JP2019067362A - Three-party type crowd funding system using point system - Google Patents

Abstract

To execute, between an investor, a drafter and a commodity supplier and a point issuing secretariat, crowd funding that is beneficial to all.SOLUTION: A drafter presents a plan for fund raising. A fund provider applies for subscription. A project for fund raising is finished and accounts are settled. An operator adds points to each fund provider. The operator performs a point adding process in the my page of each fund provider, allowing the fund providers to confirm point balances that they own for themselves. The fund providers access the my page and confirm their own point balances. The fund providers access a catalog and purchase a commodity buyable with their own balances. The commodity is delivered from the commodity supplier to the fund providers. Servers having the same function for each region and each organization are instituted, and information about return commodities is shared among a plurality of servers. An effort is made to link producers and consumers as found in "local production and local consumption," "regional economic development project," and a "roadside rest zone."SELECTED DRAWING: Figure 7

Description

  The present invention relates to a crowdfunding system that solicits funding from a large number of potential investors, and in particular, a funding sponsor, a beneficiary who receives the funding (the drafter), a return of the funding (hereinafter referred to as “return ) Relates to a crowdfunding system that is executed among three parties of a return provider (product provider) who provides goods and services, rights, points and the like to the investor.

  Crowd funding means a person (beneficiary) who needs funds to carry out a project or a project (hereinafter referred to as a “project”) is a large number of specified or unspecified large number of prospective clients (crowd) The fund raising method is established by providing funds from each of the investors and providing some of the necessary funds. The beneficiaries are obligated in advance to present the project implementation plan and returns to the investors, and instead of receiving funding, carry them out.

  Crowdfunding comes in various forms depending on the nature of the project and the form of return. Typical examples are “investment-type crowdfunding, which places importance on monetary return,“ donation-type crowdfunding, which does not place importance on monetary return, and any products / services or rights that arise from a project instead of money (see below) , “Commodity etc.” return), “purchasing type crowdfunding”, etc.

  Many crowdfunding systems have been operated to raise funds at web sites on the Internet in order to widely disseminate projects planned by the beneficiaries and to attract the attention of a wide variety of investment applicants (Patent Documents 1 and 2) reference). With this kind of unspecified majority crowdfunding, people from around the world who are not related to the beneficiaries can seek funding widely and shallowly, and by a large number of investors providing small amounts of funding. Large funds may be established.

  On the other hand, there may also be a large number of crowdfundings that seek to provide funding only to those who have a relationship with the beneficiaries. In this form, although there are only a limited number of targets calling for funding, there is an advantage that the establishment rate is high because funding will be sought from people with a relatively high motivation for funding beneficiaries. .

In Patent Document 3, a return point processing unit that converts and manages the return obtained by investment into points, and a reinvestment question inquiring the user whether or not to reinvest the return or the return points converted into points. An investment system having a means is disclosed.
Patent Document 4 discloses an equity support system in which a part of the sales is returned to the consumer, and a part of the returned sales can be allocated as a fund to a shareholder desired by the consumer.
Patent Document 5 discloses an investment method in which all or a part of the difference between the sales amount and the product purchase amount is distributed to investors.

JP 2015-197904 International Publication No. 2015/121933 brochure Patent Document 1: Japanese Patent Application Laid-Open No. 2005-011270 Japanese Patent Application Laid-Open No. 2002-245307 Patent Document 1: Japanese Patent Application Laid-Open No. 2001-331674

In crowdfunding, the more attractive the project is, the easier it is to get funding. The attractiveness of the project here is the high probability of success of the project and the high return on investment if it is an investment type, and if it is a donation type, the social significance of the project and the beneficiary's desires and attractiveness of the beneficiary If it is a purchase type, it is the attraction of the product etc. which becomes a return.
As described above, there are a variety of factors that are attractive to potential investors, and there are few projects with well-balanced project attractiveness, attractiveness in investment, attractiveness of return, etc. Absent.
On the other hand, investors who are attracted to the beneficiaries's desires and attractiveness tend to provide funds by neglecting the high prospects of project success, investment effects, attractiveness of returns, etc. Absent. It is a reality that most people who want to support beneficiaries do not have the motivation to fund projects that are not attractive.

The inventor, as a result of earnest research in view of such actual circumstances, has three points of shareholders, beneficiaries, return providers who provide products etc. that become returns to support the beneficiaries, and points. With the secretariat that issues and manages it, it was conceived that three or four parties could both perform profitable crowdfunding, resulting in the present invention described below.
The object of the present invention is to provide the investor, the beneficiary, the three parties of the return provider who provides the product etc. as a return to support the beneficiary, and the secretariat which issues and manages points further. , A system for three or four parties to perform a profitable crowdfunding together.

  The three-party crowdfunding system of the present invention is a drafter (beneficiary) who calls for funding for the project, a funder (funder) who funds the project, and a secretariat (operator who issues and manages points ), It is used between the three parties (between the four parties when counting the secretariat) of the product provider who provides a return to the investor according to the point. The conceptual diagram is shown in FIG.

  In the present invention, most procedures can be done on a website prepared by the operator (the secretariat). The operator secures as a member a drafter (candidate) who asks for funding in advance and a commodity provider (candidate). In addition, a system has been established for funders (fundholders) to register as members, and once the members are registered, they can access My Page for each funder, and their investment history (funding history), points earned Make it possible to check the history of using points, etc.

In addition, the operator prepares a page to introduce the fundraising project (hereinafter simply referred to as “project”) for the drafter who asks for funding, and the course of the amount of money at the beginning and end of the recruitment period of the project. Etc. Prepare for general website viewers (potential funders) to be easy to understand.
Furthermore, the operator negotiates in advance the offered amount of the product (or service), the exchange ratio with the points, etc. for the return provider who provides the return to the investor, and creates the product catalog. This catalog may be created not only as an electronic catalog on the web but also as a printed matter.

A plurality of drafters (candidates) and product providers can be secured respectively, and a website created by the operator is launched and ready.
The drafter (one of them) calls on the public (potential funders) to make contributions by displaying its business plan, funding projects, past performance, etc. on the website. It is assumed that the investment courses are proposed as three thousand yen courses, three thousand yen courses, and ten thousand yen courses. And the return for it is 1000 yen course only with 1000 yen course, Sank mail with 3000 yen course (for public order and morals violation, non-disclosure) 1,000 points, and drafter product with 10000 yen course (for public order manners violation) Not published) 3,000 points will be presented. Here, (non-publication about public order and morals violation) points are points issued by the point system managed by the operator. Instead of providing points as return, it may be a general gift certificate (such as a gift certificate of a department store, a gift certificate issued by a credit card company, a local currency, etc.), or even a combination of points and gift certificates. I do not mind.

Among the public who saw the presentation of the project on the website, those who would like to provide funding will register as a member of the site and apply according to the amount they wish to invest. For example, if you want to invest 43,000 yen, you can apply for four 10,000 yen courses and one 3,000 yen course.
There are many funders such as one for 3,000 yen course for one funder, another for 10,000 yen course for another funder, and so on. , The project ends.

Settlement is done at this point. The drafter knows how much funding is available by the end of the funding period, so it knows in advance how much money can be procured and how much the drafter's product should be prepared it can.
About the investment of 43,000 yen, 7,000 yen × 4 + 2 thousand yen = 30,000 yen is paid to the drafter. The drafter then ships four drafter products to the funder. The funder not only receives the drafter's goods from the drafter, but also receives and receives points (non-publication for public order and moral violations) issued by the operator (the secretariat).

The funder has registered for membership when making an offer for funding, so the operator has completed the creation of a My Page for the funder by the time of settlement. By accessing the page, the funding provider can check the history of funding, the history of granting points, the history of point consumption, the balance of points, and the like.
The funders do not necessarily have to consume the points at the end of the funding period (when the project is settled). If one point grant is insufficient to obtain the desired product, it is sufficient to accumulate the points and wait for sufficient points to accumulate.

  A product provider who provides products in a catalog (an electronic catalog on a website or / and a catalog of printed matter) determines the price of the product provided by himself by using a number such as 10,000 yen or 8,000 yen. There is no need to choose. For example, the amount shown is the sum of the price that can be suggested for oneself to support the drafter, such as 6,843 yen (6,843 points), and in some cases, the operator (secretary) side fee be able to.

  Now, let's assume that a funder wants a 8,000 yen product listed in the catalog. Once I checked my point balance, I found that I got 8,000 points in total. Therefore, it applies for purchasing the product by consuming points. The goods provider then ships the goods to the funder. The operator rewrites the point usage history and point balance of the donor. Then, the operator makes a payment to the product provider.

  The operator obtains commission income at the time of creating a web page, executing a project, purchasing a product, etc. based on the prior contract with the drafter (the beneficiary) and the product provider respectively. Allocate to maintenance cost of the system and labor cost.

It is possible to realize mutual fundraising type crowdfunding where the beneficiaries who receive the funding and the return provider help each other. Therefore, not only the beneficiaries who start the project receive the benefit, but also the return provider has an opportunity to inform the funders of their goods and services.
According to the present invention, the timing of the financing project and the timing of the product purchase by the catalog can be made asynchronous. Also in terms of cash flow, the time when funds move can be different from each other, and also in terms of shipping of goods, the time of dispatch of the drafter's goods and the time of dispatch of the goods of the goods provider. Can be different.
By separating the purchase of return products from the funding project, it is possible to decide how much funding the drafter can raise, before the funders look at the catalog to purchase return products.
The drafter can propose a point grant of the desired amount, separately from the price of the product that the funder wants to buy.
The product provider can determine the price of the product provided by the product provider independently of the price of the course set in the crowdfunding project.

It is a conceptual diagram of a three-party crowdfunding system using a point system of the present invention. The website prepared by the operator shows in what order the drafter, funder and product provider are involved. (1) indicates that the drafter presents a financing plan. (2) indicates that the funder applies for funding. (3) indicates that the financing project is completed and settled. (4) indicates that the operator gives points to each funder. (5) indicates that the operator can perform point addition processing on the personal page of each funder so that the funder can confirm the balance of points owned by the funder. (6) indicates that the funder accesses my page to check his point balance. (7) indicates that the funder accesses the catalog and purchases 8,000 points of goods. (8) indicates that the product is delivered from the product provider to the funder. It is a conceptual diagram which shows the hardware constitutions of the whole computer system. It is a functional block diagram which shows the structure of the server computer which comprises a three-party type crowd funding system. It is a flowchart which shows the processing (a trial calculation process, a goods catalog edit process, etc.) before crowdfunding execution. 6 is a flowchart showing execution processing of crowdfunding (a process of collecting an investor, settling an investment of the investor, and the like). It is a flowchart which shows the process (The point grant is completed and the process etc. which are settled among an operator, a drafter, a fund provider etc.) after execution of crowdfunding. It is a sequence diagram which shows the exchange made between a server, an operator terminal, a drafter terminal, a goods provider terminal, and a funder terminal. It is a block diagram which shows the modification which sets up a server for every area | region or every group, and shares the information of popularity degree of return goods among several servers.

Hereinafter, a three-party crowdfunding system using the point system of the present invention will be described with reference to the drawings.
FIG. 1 is a conceptual view of a three-party crowdfunding system using the point system of the present invention. The website prepared by the operator shows in what order the drafter, funder and product provider are involved. (1) indicates that the drafter presents a financing plan. (2) indicates that the funder applies for funding. (3) indicates that the financing project is completed and settled. (4) indicates that the operator gives points to each funder. (5) indicates that the operator can perform point addition processing on the personal page of each funder so that the funder can confirm the balance of points owned by the funder. (6) indicates that the funder accesses my page to check his point balance. (7) indicates that the funder accesses the catalog and purchases 8,000 points of goods. (8) indicates that the product is delivered from the product provider to the funder.

  The drafter (beneficiary) needs funds to launch a new project (project). The return provider provides goods or the like (including service provision) to the investor as a return (return) of equity in order to support the drafter (beneficiary). The investor, for example, invests in the form of how many shares each of a 10,000 yen course, a 3,000 yen course, and a one thousand yen course will be invested. The beneficiary prepares to provide the drafter-provided product as a return to the investor. Also, part of the return can be provided at the points of the point system managed by the operator. Other gift certificates (department stores, gift certificates issued by a credit card company, regional currency for regional promotion) and the like can also be provided.

  FIG. 1 shows how an operator (secretary) works and functions in order to smoothly operate this three-party crowdfunding system. It is conceivable that the beneficiary and the return provider belong to the same membership organization (for example, a membership organization for which small and medium enterprises aim at helping each other), and the operator is the secretariat of the membership organization. In this case, the investor may be a member of the member organization or may not be a member.

Operators seek return providers to cooperate with the beneficiaries who want to raise money. At that time, we will negotiate to offer products as cheap as possible. This is because it is possible that the funders are more interested in the return product and thus increase their willingness to invest. In addition, the operator creates an environment (for example, construction of a website) that catalogs products and is easy for investors to invest. Payment via the Internet is convenient for the method of funding. However, the present invention is not limited thereto, and a product catalog may be created as a printed matter by performing on a document.
The operator creates a product catalog, creates, updates, and manages a funder's my page, and participates in the entire three-way crowdfunding, including the operation of the point system.

  Although the product catalog is not shown, it is not necessary to classify the product catalog according to the amount. The value of each product may be displayed so that each funder can confirm its point balance, confirm that the balance is sufficient, and select a product.

In carrying out the three-party crowdfunding of the present invention, the beneficiaries and the operator need to consult with each other to determine the scale of the bidding (how much the amount of funding should be raised). How much the beneficiaries are funded is the number of bids for the 10,000 yen course, how many bids for the 3,000 yen course, and how many bids for the 1,000 yen course. Determine the size in advance. For example, it is possible to make a plan such that the bidding period is two weeks but the bidding is closed when the planned number of applications have been made.
As a result, the drafter (beneficiary) estimates the amount of funds that can be procured.

  Temporarily, consider the case where 250 bids for a 10,000 yen course, 500 bids for a 3,000 yen course, and 200 bids for a 1,000 yen course. As shown in FIG. 1, since the 10,000 yen course has a drafter product and a return of 3,000 points, 7,000 yen × 250 = 1,750,000 yen is received to the drafter. The 3,000 yen course has a return of 1,000 points, so the drafter has a deposit of 2,000 yen x 500 = 1,000,000 yen. Since the 1,000 yen course is a return zero, there is a deposit of 1,000 yen × 200 = 200,000 yen. A total of 2,950,000 yen can be raised. Then, the drafter provides 250 drafter products as a return to the 10,000 yen course investor.

At this time, the investor (funder) will purchase the product from the catalog later than when the points are accumulated, but the value of the point provided by the drafter to the investor is fixed. Since it has been decided from the outset, the amount of funds that the drafter can procure is decided regardless of what return product the investor purchases from the catalog, how much the stock value of the product is, etc. .
If the drafter can be satisfied on the condition of procuring 2.95 million yen cash and offering 250 drafter products, the drafter should have 250 units of the 10,000 yen course and 500 units of the 3000 yen course. Start as a 1,000 yen course 200 units. If you want to raise more money, adjust the number of units accordingly.

  If the offer period is over and all the numbers have been filled, the funds will be raised as scheduled as a result of the settlement. If it does not meet the planned number, the settlement will result in less than the planned funding. When it is time to settle, thanks will be sent to investors. In that case, the server side of the operator's side of the contents of "You have been able to raise ¥ 100,000 yen thanks to you. Can be automatically created and sent.

«Actual flow»
Below, the drafter (beneficiary: fund raising) and the product provider (return offer) will know what kind of concrete flow will be achieved using the three-party cloud founding system using this point system. , From the side of the operator (the secretariat) and the side of the investor (the funder) and explain.

<Proposer (funder: beneficiary) side>
(1) The party (beneficiary) who wants to raise funds wants 3 million yen.
(2) Prepare and create products to be put in the product catalog (catalog gift) yourself and put them in the product catalog (catalog gift).
(3) Start crowdfunding by deciding the course price, the number of units, the point price of return, the presence of the drafter-provided return product, etc.
(4) Bids enter the 1,000 yen course, the 3,000 yen course, the 10,000 yen course, and so on.
(5) The bidding ends and all the money once enters the secretariat.
(6) The remainder from which the value of points to be returned is deducted is paid to the drafter.
(7) Dispatch the drafter-provided product to the shareholders of the 10,000 yen course.
(8) Whether or not the planned funding amount has been reached depends on whether or not the planned number of funds has been invested. It does not depend on which product the investor chose from the catalog and received the return product.

<Product listing (return provider) side>
(1) The secretariat asks product catalog postings to potential product sellers (return providers).
(2) At that time, ask them to make the selling price as low as possible, and make a contract with the secretariat at that selling price. For example, although it is a 5000 yen nail course, it makes a contract to provide it from Cloudfunding for 3500 yen. At this time, it is also possible to set a limited number of books, or to set a time limit such as only this month. For example, by updating the publication on the catalog monthly, it becomes possible to post timed products.
(3) Instead of making it cheaper, it is possible to negotiate that the secretariat should bear the cost of posting product catalogs, interviews, and simple photos.
(4) When individual crowdfunding is done several times, and each funder's point balance is accumulated, the procedure to view and order the catalog begins. The secretariat passes the orderer's list to the seller (return provider). The product seller sends products to the respective funders based on the list of the orderers. The product seller may perform future direct marketing using the list passed to the product seller. The secretariat negotiates with the return provider, "We will publish it in the product catalog for free. And the customer list when placing an order will be delivered to the return provider (product seller), so we should put the product as cheap as possible" It is also possible.

<Operator: Secretariat side>
(1) Hearing about the profile of funding applicants and funding reasons. When the hearing is over, ask the product seller for permission to sell.
(2) The product catalog is composed of the person who received OK and the product of the candidate for procurement.
(3) Consult with the fund raising applicant and advise on the drafting of the fund raising plan.
(4) Decide the suggested price of crowdfunding.
(5) Create a crowdfunding page and send a link to the members by e-mail (It may be done with paper documents without using a web site). Also, it may be notified to non-members, and may be registered as members when making contributions.

<Investor (funder)>
(1) We are interested in the website of this crowdfunding system in anticipation that it is possible to purchase the desired product cheaply by investing a small amount in a new business.
(2) Register as a member in advance, or become a member immediately before the investment and make an investment.
(3) Select and invest in a company you want to support.
(4) Check the point balance.
(5) When the point balance which can be purchased with the product of the catalog is available, purchase it.

<< About the embodiment in the case of configuring as a computer system >>
The hardware configuration, software configuration, processing contents, and processing of a computer system will be described for an embodiment in which a three-party crowdfunding system using a point system according to the present invention is configured as a computer system with reference to FIG. Explain the procedure of

FIG. 2 shows the hardware configuration of the entire computer system in the case where the three-party crowdfunding system according to the present invention is configured as a computer system comprising a combination of a server connected via the Internet and a terminal device. It is a conceptual diagram shown.
An oval extending in the middle of FIG. 2 indicates the Internet communication network. The system is configured by connecting the server 110, the operator terminal 120, the drafter terminal 130, the product provider terminal 140, ..., 149, the funder terminals 41, 42, ... 49 to the Internet (Internet communication network) Ru.

The server 110 is a computer that is configured by a so-called server computer and receives access from other terminals 24 hours a day, 365 days a year. It is a computer which plays a central role in the three-party crowdfunding system according to the present invention.
The operator terminal 120 is a terminal device used by an operator (secret office) who manages the server 110 for input and output to the server 110, and may be configured by a desktop computer, a notebook computer, a tablet computer, or the like. Also, some of the tasks that the operator should perform may be done by a smartphone. The operator not only manages the three-party crowdfunding system according to the present invention, but also handles the relationship between the drafter (the beneficiary), the product provider, and the funder (funding), negotiates if necessary. Play a role in making the three parties work well.

  Here, although only one computer is drawn, the drafter terminal 130 is a computer used by a person who intends to receive a contribution using the three-party crowdfunding system according to the present invention. It is considered that there is one drafter terminal for each project that raises funds. The drafter terminal 130 is a terminal device used to communicate with the server 110 in each of the progress processes of a project in which the company itself invests, and to execute an input process to the server 110 if necessary. It may be configured by a desktop computer, a notebook computer, a tablet computer, or a smartphone.

  The commodity provider terminals 140,..., 149 are terminal devices for accessing the server 110 by using a return provider who provides a commodity or service in return to the investor. The drafter (beneficiary) who is willing to receive equity may also provide a return (draft maker's products, points, gift certificate, etc.) to the capital provider (investor). However, that alone may not make investors feel attractive. By offering products and services at a low price in return for investment, other vendors can offer proposals in return for various types of products and services as a product provider in order to support the drafter (beneficiary) So, this three-party crowdfunding is established. The article provider terminals 140,..., 149 may be configured by a desktop computer, a notebook computer, a tablet computer, or a smartphone.

  .. 49 are terminals used by a person who intends to invest in a project in which the drafter (beneficiary) tries to receive investment. A funder (fundholder) can be any person who is authorized to access the three-party crowdfunding page prepared by the server 110. In particular, those who clear age restrictions such as 18 years or older can be investors if they do not have access rights. Although the funder terminals 41, 42,..., 49 depict a smartphone in FIG. 2, they may be a tablet computer, a notebook computer, or a desktop computer in addition to the smartphone.

FIG. 3 is a functional block diagram showing the configuration of a server computer that constitutes a three-party crowdfunding system.
The security management device 50 executes processing to protect devices and information in the server 110 from unauthorized access and falsification from the outside.
The drafter information editing device 51 executes a process of editing information such as the drafter's business plan, business philosophy and profile in order to show the funder (investor) and the product provider.
The drafter information display device 52 executes a process of displaying drafter information to a investor or a product provider.

The point management device 53 is a device that issues, manages and grants points to the funders by backing up the funds that can be procured, and manages the history, usage status, balance, and the like of the points.
The product catalog editing apparatus 54 executes a process of editing a product catalog for showing a product or service as a return for investment to the investor.
The product catalog display device 55 executes a process of displaying the product catalog to the investor.
The equity solicitation device 56 executes a process of inviting the (potential) equity partner to invest in the drafter. Specifically, e-mail transmission and the like.
The investment settlement device 57 executes settlement processing of the investment of the investor by credit card, debit card, electronic money, convenience store settlement, use of points, and the like.

The settlement document preparation apparatus 58 executes a process of calculating the amount to be paid to the drafter after the period for recruiting investors has passed.
The settlement apparatus 59 executes (or supports) a process (for example, a bank transfer process) of performing the money movement associated with the settlement with the product provider, the drafter, and the operator (the secretariat).
The login authentication device 60 executes a process of authenticating that a drafter, a product provider, an investor, and the like access the server 110 with a proper authority. Perform authentication by ID and password, authentication by unique information of devices such as smartphones, etc.
The server 110 has these devices. The term “apparatus” means that the CPU (central processing unit) of the server 110 reads and operates a necessary computer program. A plurality of servers may cooperate with each other to share functions without having all of these devices in one server.

  The drafter information DB 61 is information about a drafter (beneficiary), that is, a person (individual entrepreneur, company, etc.) who wants to receive funds using a three-party crowdfunding, and the address, name, representative company name , Business plans and project plans, financial statements (income statement, balance sheet), cash flow, business philosophy, management profile, etc. This drafter information is considered to be that the person who wants to receive funds registers the necessary information at that time. If this beneficiary is a member of a mutual aid type membership organization in advance and wants to raise funds using that organization, the drafter can be prepared by submitting additional information when he / she wants to receive funding. It becomes possible to register information.

  The product provider information DB 62 is a product provider, that is, in the three-party crowdfunding, information of a person who intends to offer a product or service cheaply (cheaperly) to an investor to support a beneficiary. It is a database that includes information on which price (and how much discount) a product or service can be provided to which beneficiaries, as well as the address, name, representative name, and the like. Information on this price (how much discount can be made), besides general-purpose information (the discount is applied to anyone who is the beneficiary so far), special discount information (for the beneficiary who is specific, It can also be set hierarchically as discount).

  The investor information DB 63 is information on an investor, and is a database of a name, an address, an e-mail address, a contact information, settlement information, an investment history, and the like. It is possible to limit the funders to members of the membership organization and make them closed crowdfunding, but it is also possible to extend them to outsiders who have learned about word of mouth from the funders. Anyone may be able to invest in advance without limiting qualifications. In addition, it is possible to raise funds by limiting the place where you live. Even if the investor is an unregistered investor, it is possible to read and understand the rules and the like immediately before the investment and register in the investor information DB 63 to become a member.

  The product information DB 64 is information on a product or service provided by a product provider, and detailed information on the product or service itself, general popularity of the product or service, the past in the three-party crowdfunding A database that may contain information such as how much it sold (how much it sold at what price), wholesale price information, etc. As for the past results in the three-party crowdfunding, in the three-party crowdfunding according to the present invention, the more the results (the number of executions) are increased, the more the results of selling the product or service are accumulated. About past results, it is possible to make it into data using statistical method and to be useful.

  The product catalog information DB 65 is information on a product catalog created based on the product information DB 64. Create a web page that appeals to the investor that the product or service is attractive and show it as a product catalog. Specifically, it is information for displaying a product catalog as shown in FIG. 2, and further, when a photo showing the product or service is clicked, the detailed content can be displayed to be displayed. .

  The point DB 66 is a database having information on acquisition, use, balance, and the like of points owned by each capital provider (investor). A secure My Page is prepared for each of the capital providers, and if the capital provider accesses the page, it is a source for displaying the point balance, point acquisition history, and point usage history. Is a database of information.

  When the operator and the drafter reach an agreement and the drafter decides to execute the three-party crowdfunding, according to it, the application period will end when the 10,000 yen course reaches the end . The 5,000 yen course will end when it has reached a certain level. Decide and prepare. For the member who can be a shareholder, etc., guidance of the three-party crowdfunding is guided by e-mail etc. by the equity offering device 56, and the shareholder accesses the server 110 and drafts it by the drafter information display device 52. The information of the person is confirmed, the product catalog display device 55 operates to select the product or service as a return to the investment, the number of units of investment is determined, and the investment settlement device 57 functions to settle the investment.

  The settlement document DB 67 is a database for determining the actual payment amount to the drafter when the application period for contribution ends, and storing the settlement documents prepared for the purpose of executing the settlement. It is used in cooperation with the payment document preparation device 58. This account contains information on the number of units actually applied for each investment course. The settlement document preparation apparatus 58 extracts necessary information from the settlement document and updates the settlement document. The updated information can be used by the drafter to make plans in the next three-way crowdfunding.

  The investment settlement information DB 68 is a database for storing information on the settlement procedure when the investor invests. Information necessary for confirming that payment is properly made is stored for payment methods that may be selected by the investor such as credit card payment, debit card payment, electronic money payment, convenience store payment, and the like. It is used in cooperation with the investment settlement apparatus 57. An example is also possible in which the point balance is used to determine the contribution.

  The settlement settlement information DB 69 is a database for storing settlement information on a relatively large amount of money exchanged among the operator (the secretariat), the beneficiary, and the product provider. It is used in cooperation with the settlement settlement apparatus 59.

  Here, a database refers to a collection of information stored in an easy-to-use manner by associating multiple items of information.

«Flow of pre-processing»
FIG. 4 is a flowchart showing pre-processing (such as product catalog editing processing) prior to execution of crowdfunding. When the drafter (beneficiary) who is going to receive the funding accesses the server 110 and is determined to be authorized (Yes in step 701), the drafter (beneficiary) will return the amount he / she wants to raise, as his own return. Enter information about the desired conditions, such as the quantity and wholesale value of available products or services, and when you want to raise funds. The server 110 obtains it (step 702). Then, the server 10 refers to the product information DB 63, the product provider information DB 62, etc. (step 703), extracts necessary information, and prepares a trial report meeting the beneficiaries's wishes (step 704). . If the drafter (the beneficiary) decides whether or not to proceed with the contents shown in the prepared trial calculation and the contents can be agreed, the drafter (the beneficiary) indicates the intention (Yes in step 705) . In response to this, the server 110 (product catalog editing device 54) proceeds to product catalog creation (step 706), and ends the pre-processing. Although omitted in the flowchart, the created product catalog is stored in the product catalog information DB.

  If the drafter (beneficiary) can not agree with the trial calculation prepared in step 704, the processing after step 702 is repeated (No in step 705 and the process returns to step 702). If only the automatic processing of only the computer does not reach the contents desired by the drafter (beneficiary), the staff of the secretariat of the operator intervenes, and the quantity or the wholesale price of the goods or services provided by the goods provider For example, it may be possible to negotiate a draft of the drafter (beneficiary) to be a satisfactory estimate.

«Flow of crowdfunding process»
FIG. 5 is a flowchart showing execution processing of crowdfunding (processing for recruiting investors, settlement of product purchases by investors, etc.). The equity offering device 56 of the server 110 notifies the (potential) equity owner by e-mail magazine, web advertisement or the like, and the equity partner accesses this site knowing that crowdfunding will be performed. If the investor has already registered as a member and is authorized to access the server 110, it is determined at step 801 that the authority is authorized. The server 110 (product catalog display device 55) displays the product catalog to the investor (step 802).

  Further, if the investor wishes, the drafter information display device 52 displays the information of the drafter (beneficiary), that is, the contents of the project, the profile of the manager, and the like. If necessary, the sponsor (funding party) refers to detailed information on the contents of the product or service, determines the number of products or services to be purchased and the number of products or services, and presses the purchase button. The server 110 (the equity settlement device 57) acquires selection information selected by the investor by pressing the purchase button (step 803). The server 110 (the equity settlement device 57) creates and displays a confirmation screen of the contents of equity (step 804). If the investor confirms and agrees (Yes at step 805), the investor settles. The server 110 (funds settlement device 57) executes settlement processing (step 806). Thereafter, the server 110 (the equity settlement device 57) executes database update such as the equity settlement information DB 68 based on the contents (step 807).

If the investor can not agree with the display content of the confirmation screen in step 805, No is selected in step 805. Then, the process returns to the process after step 802.
If it is determined in step 801 that the user is not authorized, member registration processing may be performed on the spot to permit the process to proceed to step 802 and subsequent steps (No in step 801, step 808, step 801). And yes).
Since the present invention is a crowdfunding system, the number of investors is large, and the process of FIG. 5 is repeated several times during the period of soliciting funds.

«Post-processing flow»
FIG. 6 is a flowchart showing processing after execution of crowdfunding (processing of giving points and the like, and processing of settlement among an operator, a drafter, and a funder, etc.). In the post-processing shown in FIG. 6, when it is determined that the operator with authority on the operator side has access to the server 110 (Yes in step 901), the server 110 (payment document creation apparatus 58) receives a course of investment. A process (step 902) is performed to enter each account number and prepare a statement of accounts for the amount of funds received by the drafter. The server 110 (settlement settlement device 58) executes exchange of money between the operator, the drafter, and the funders, and point grant based on the contents of the settlement sheet. This process may be, for example, a bank transfer process by a computer or a payment process by a credit card. A computer may output a printout of transfer contents on paper, and a human may perform transfer processing. The server 110 (the settlement document preparation device 58 or the settlement device 59) calculates the popularity of the product based on the quantity of the return product actually purchased (step 904), and rewrites the product popularity in the product information DB 64 (Step 905). The degree of popularity of the product can indicate, for example, as a percentage, which product sold well when there are a plurality of products provided by the drafter. Information on the account book is stored in the account book DB 67, and information on the account settlement is stored in the account settlement information DB 69.
If an unauthorized person attempts to execute the process shown in FIG.

FIG. 7 is a sequence diagram showing exchanges made between the server, the operator terminal, the drafter terminal, the goods provider terminal, and the funder terminal.
It is assumed that the information on the beneficiary, the operator, the product provider and the information on the return product have already been registered in the server. The beneficiary wishes to obtain funding, accesses the server, and enters the desired conditions (such as the timing and amount of funding). The server receives it, prepares a trial calculation based on information such as the popularity of the product in the product information database, communicates with the drafter (beneficiary), and creates a product catalog when it is agreed. When the plan of crowdfunding including the period for soliciting investment is decided, that fact is notified to the drafter (beneficiary), the operator, the product provider and the funder (investor).

Investors who know that crowdfunding will be implemented will access the server within the relevant period, and offer the investment courses (one thousand yen course, one thousand yen course, another thousand yen course), the drafter Select a return item and press the purchase button to make a payment. The server updates various databases after performing product selection and settlement processing. This process is similarly repeated for multiple investors.
When the period for soliciting contributions ends, the operator accesses the server and prepares a statement of accounts. Then, money is exchanged between the operator, the funder and the drafter (beneficiary) to carry out the settlement (settlement settlement). Specifically, the secretariat gives points to the funders, and the drafter (beneficiary) is delivered an amount obtained by deducting the point grant from the fund raised.

  In addition, the server manages points owned by the funders. When the funder accesses the server, selects a product and consumes points, the product provider sends the product to the funder. Then, the server (operator) pays the product provider.

As described above, the three-party crowdfunding system according to the present invention is
A server computer that operates a three-party crowdfunding, an operator terminal used by an operator operating the three-party crowdfunding, a drafter terminal used by a drafter who receives the provision of funds, and a stakeholder's contribution A three-party crowdfunding system in which a product provider terminal used by a product provider who provides a return product in return for money and a funder terminal used by an investor are connected via the Internet,
The server computer is
An item of goods provided by a product provider that describes the contents of the product provided by the drafter in association with the amount of funding provided by the investor, and provides the funder with a product as a return for investment on behalf of the drafter. A product catalog display device for displaying a product catalog which also describes contents;
Among the products described in the product catalog displayed by the product catalog display device, the product offered by the drafting provider is selected as a return product, and the product provided by the product provider is selected as a returnable point. An investment settlement apparatus that executes settlement funded by the investor;
A point management device which grants points as return of equity to the funder after the equity application period has elapsed based on the settlement made by the equity settlement device, and manages the points as owned by the funder; ,
A statement preparation device for creating a statement of accounts which calculates an amount obtained by subtracting the amount of points as return of the contribution from the amount of funds provided by the funders as the amount of funds to be delivered to the beneficiary It is characterized by having. This enables the investor to invest based on the attractiveness of the return product without having to judge the management skills of the beneficiary.

Further, in the three-party crowdfunding system according to the present invention,
The server computer is
The fund provider terminal consumes points and performs processing of purchasing a product of the product provider, manages consumption history of the point, and processes payment for the product provider. Do.
This makes it possible to provide a return on investment on behalf of the drafter.

Furthermore, in the three-party crowdfunding system according to the present invention,
The investment settlement apparatus is characterized in that the investment settlement can be performed using points owned by the funders. This enables reuse of the granted points and improves asset turnover.

<< Modification 1: Create a server with the same function for each area or group, and share information on returned products among multiple servers >>
FIG. 8 is a block diagram showing a modified embodiment in which servers are set for each area or each group, and information on popularity of return products is shared among a plurality of servers.
Here, servers having a plurality of similar functions up to servers 110, 111, 112, 113,..., 119 respectively function. In FIG. 11, terminals of an operator, a drafter, a product provider, and a funder (investor) are not shown.
By making each server function independently, it is possible to respond when you want to further secure the security in each area or group. In addition, concentration of processing on the server can be mitigated. In such a modified embodiment, it is possible to be able to exchange and share the popularity of products registered independently in each server among a plurality of servers. Become.
In that case, at the request of the drafter, it becomes possible to accept a request for catalog creation that one wants to use return products of any group (or area).

«Modified example 2: Efforts to connect producers and consumers found in local production for local consumption, local origination, road stations, etc.»
In recent years, efforts have been made to connect producers and consumers in activities such as local production for local consumption, regional revitalization, and Michi-no-eki. Even in the three-party crowdfunding system using the point system of the present invention, by working in a somewhat narrow area, it can be expected to work to strengthen the connection between the producer and the consumer.
In that case, the point of the present invention can use the local currency used in the area. Conversely, in areas where there is no regional currency yet, it is possible to use the point system of the present invention as well as the regional currency.

«Modified example 3: It is also possible to invest using points»
As the operation performance of the system according to the invention increases, the points according to the invention have the same value as the regional currency in the region. Therefore, it is also possible to contribute this point to the drafter. That is, a modified embodiment is possible in which the settlement apparatus may accept not only bank transfer and credit card settlement but also consumption of points issued by the system for settlement.

«Cooperation with other point systems»
Various things have already been realized in the world as a point system. A variant embodiment is also possible in which the point system of the present invention is linked with other point systems to enable point exchange and to make it possible to purchase goods that can be purchased by other point systems.

<< claims in the original application of the original application >>
<< Claim 1 >>
A server computer that operates a three-party crowdfunding, an operator terminal used by an operator operating the three-party crowdfunding, a drafter terminal used by a drafter who receives the provision of funds, and a stakeholder's contribution A three-party crowdfunding system in which a product provider terminal used by a product provider who provides a return product in return for money and a funder terminal used by an investor are connected via the Internet,
The server computer is
An item of goods provided by a product provider that describes the contents of the product provided by the drafter in association with the amount of funding provided by the investor, and provides the funder with a product as a return for investment on behalf of the drafter. A product catalog display device for displaying a product catalog which also describes contents;
Among the products described in the product catalog displayed by the product catalog display device, the product offered by the drafting provider is selected as a return product, and the product provided by the product provider is selected as a returnable point. An investment settlement apparatus that executes settlement funded by the investor;
A point management device which grants points as return of equity to the funder after the equity application period has elapsed based on the settlement made by the equity settlement device, and manages the points as owned by the funder; ,
A statement preparation device for creating a statement of accounts which calculates an amount obtained by subtracting the amount of points as return of the contribution from the amount of funds provided by the funders as the amount of funds to be delivered to the beneficiary It is characterized by having.
<< Claim 2 >>
The server computer is
The fund provider terminal consumes points and performs processing of purchasing a product of the product provider, manages consumption history of the point, and processes payment for the product provider. The three-party crowdfunding system according to claim 1.
<< Claim 3 >>
Furthermore, in the three-party crowdfunding system according to the present invention,
The investment settlement apparatus is characterized in that the investment settlement can be performed using points owned by the funders.

<< claims at the time when the original application received a patent decision >>
<< Claim 1 >>
A server computer that operates a three-party crowdfunding, an operator terminal used by an operator operating the three-party crowdfunding, a drafter terminal used by a drafter who receives the provision of funds, and a stakeholder's contribution A three-party crowdfunding system in which a product provider terminal used by a product provider who provides a return product in return for money and a funder terminal used by an investor are connected via the Internet,
The server computer is
An item of goods provided by a product provider that describes the contents of the product provided by the drafter in association with the amount of funding provided by the investor, and provides the funder with a product as a return for investment on behalf of the drafter. A product catalog display device for displaying a product catalog which also describes contents;
A product catalog editing apparatus for editing display contents displayed by the product catalog display apparatus;
Among the products described in the product catalog displayed by the product catalog display device, the product offered by the drafting provider is selected as a return product, and the product provided by the product provider is selected as a returnable point. An investment settlement apparatus that executes settlement funded by the investor;
A point management device which grants points as return of equity to the funder after the equity application period has elapsed based on the settlement made by the equity settlement device, and manages the points as owned by the funder; ,
A statement preparation device for creating a statement of accounts to calculate an amount obtained by subtracting the amount of points as return of the contribution from the amount of funds provided by the funders as the amount of procurement funds to be delivered to the drafter Have
While the product catalog editing apparatus inputs information on the amount that the drafter wants to raise, the quantity and the wholesale price of the goods or services that the drafter can provide as a return, and the time to raise the fund. Create a trial calculation, and when the drafter agrees with it, create the product catalog,
The points that the point management device gives to the investor can be held by the investor even if it is time for funds to move to the drafter.
As a result, the timing of financing by the drafter and the timing of point consumption by the investor can be made different, and the timing of shipping of the drafter's product and the timing of shipping of the product of the product provider will be different. A three-party crowdfunding system characterized by being able to.
<< Claim 2 >>
A server computer that operates a three-party crowdfunding, an operator terminal used by an operator operating the three-party crowdfunding, a drafter terminal used by a drafter who receives the provision of funds, and a stakeholder's contribution A three-party crowdfunding system in which a product provider terminal used by a product provider who provides a return product in return for money and a funder terminal used by an investor are connected via the Internet,
The server computer is
An item of goods provided by a product provider that describes the contents of the product provided by the drafter in association with the amount of funding provided by the investor, and provides the funder with a product as a return for investment on behalf of the drafter. A product catalog display device for displaying a product catalog which also describes contents;
Among the products described in the product catalog displayed by the product catalog display device, the product offered by the drafting provider is selected as a return product, and the product provided by the product provider is selected as a returnable point. An investment settlement apparatus that executes settlement funded by the investor;
A point management device which grants points as return of equity to the funder after the equity application period has elapsed based on the settlement made by the equity settlement device, and manages the points as owned by the funder; ,
A statement preparation device for creating a statement of accounts to calculate an amount obtained by subtracting the amount of points as return of the contribution from the amount of funds provided by the funders as the amount of procurement funds to be delivered to the drafter Have
The above-mentioned investment settlement apparatus is closed at the stage where the planned scale of bidding has been made, based on the predetermined size of the bid as to how much money is to be procured.
As a result, the drafter can determine the amount of funds to be procured when the bid is closed, and can determine the amount of funds to procure independently of the timing of the purchase of the counterfeit product by the investor and the purchase price of the product. Three-way crowdfunding system.
<< Claim 3 >>
A server computer that operates a three-party crowdfunding, an operator terminal used by an operator operating the three-party crowdfunding, a drafter terminal used by a drafter who receives the provision of funds, and a stakeholder's contribution A three-party crowdfunding system in which a product provider terminal used by a product provider who provides a return product in return for money and a funder terminal used by an investor are connected via the Internet,
The server computer is
An item of goods provided by a product provider that describes the contents of the product provided by the drafter in association with the amount of funding provided by the investor, and provides the funder with a product as a return for investment on behalf of the drafter. A product catalog display device for displaying a product catalog which also describes contents;
A product catalog editing apparatus for editing display contents displayed by the product catalog display apparatus;
Among the products described in the product catalog displayed by the product catalog display device, the product offered by the drafting provider is selected as a return product, and the product provided by the product provider is selected as a returnable point. An investment settlement apparatus that executes settlement funded by the investor;
A point management device which grants points as return of equity to the funder after the equity application period has elapsed based on the settlement made by the equity settlement device, and manages the points as owned by the funder; ,
A statement preparation device for creating a statement of accounts to calculate an amount obtained by subtracting the amount of points as return of the contribution from the amount of funds provided by the funders as the amount of procurement funds to be delivered to the drafter Have
The product catalog editing apparatus
The product catalog is created so that the points which the point management device gives to the investor can be consumed to purchase return products provided by the product provider.
The points that the point management device gives to the investor can be held by the investor even if it is time for funds to move to the drafter.
As a result, the timing of financing by the drafter and the timing of point consumption by the investor can be made different, and the timing of shipping of the drafter's product and the timing of shipping of the product of the product provider will be different. A three-party crowdfunding system characterized by being able to.
<< Claim 4 >>
The server computer is
The fund provider terminal consumes points and performs processing of purchasing a product of the product provider, manages consumption history of the point, and processes payment for the product provider. The three-party crowdfunding system according to any one of claims 1 to 3, wherein
<< Claim 5 >>
Furthermore, in the three-party crowdfunding system according to the present invention,
The three-party crowdfunding according to any one of claims 1 to 3, wherein the investment settlement apparatus enables the investment settlement using points owned by a funder. system.

  This crowdfunding system can be used particularly when raising funds using a mutual aid type membership organization. It can also be used for efforts to connect producers and consumers for regional revitalization.

41, ..., 49 Funder terminal 50 Security management device 51 Drafter information editing device 52 Drafter information display device 53 Point management device 54 Merchandise catalog editing device 55 Product catalog display device 56 Equity solicitation device 57 Equity settlement device 58 Settlement document Creation device 59 Settlement settlement device 60 Login authentication device 61 Drafter information DB
62 Product Provider Information DB
63 Investor Information Database
64 Product Information DB
65 Product Catalog Information DB
66 points DB
67 Settlement book DB
68 Investment Settlement Information DB
69 Settlement settlement information DB
110, 111, ..., 119 servers (computers)
120 operator terminal 130 drafter terminal 140, ..., 149 product provider terminals

Claims (10)

A server computer that operates a three-party crowdfunding, an operator terminal used by an operator operating the three-party crowdfunding, a drafter terminal used by a drafter who receives the provision of funds, and a stakeholder's contribution A three-party crowdfunding system in which a product provider terminal used by a product provider who provides a return product in return for money and a funder terminal used by an investor are connected via the Internet,
The server computer is
An item of goods provided by a product provider that describes the contents of the product provided by the drafter in association with the amount of funding provided by the investor, and provides the funder with a product as a return for investment on behalf of the drafter. A product catalog display device for displaying a product catalog which also describes contents;
A product catalog editing apparatus for editing display contents displayed by the product catalog display apparatus;
Among the products described in the product catalog displayed by the product catalog display device, the product offered by the drafting provider is selected as a return product, and the product provided by the product provider is selected as a returnable point. An investment settlement apparatus that executes settlement funded by the investor;
A point management device which grants points as return of equity to the funder after the equity application period has elapsed based on the settlement made by the equity settlement device, and manages the points as owned by the funder; ,
A statement preparation device for creating a statement of accounts to calculate an amount obtained by subtracting the amount of points as return of the contribution from the amount of funds provided by the funders as the amount of procurement funds to be delivered to the drafter Have
While the product catalog editing apparatus inputs information on the amount that the drafter wants to raise, the quantity and the wholesale price of the goods or services that the drafter can provide as a return, and the time to raise the fund. Create a trial calculation, and when the drafter agrees with it, create the product catalog,
The points that the point management device gives to the investor can be held by the investor even if it is time for funds to move to the drafter.
As a result, the timing of financing by the drafter and the timing of point consumption by the investor can be made different, and the timing of shipping of the drafter's product and the timing of shipping of the product of the product provider will be different. Can be
Furthermore, the server computer is a three-party crowdfunding system characterized in that the server computer sets up one having the same function for each area or group and shares information about return products among a plurality of servers. . A server computer that operates a three-party crowdfunding, an operator terminal used by an operator operating the three-party crowdfunding, a drafter terminal used by a drafter who receives the provision of funds, and a stakeholder's contribution A three-party crowdfunding system in which a product provider terminal used by a product provider who provides a return product in return for money and a funder terminal used by an investor are connected via the Internet,
The server computer is
An item of goods provided by a product provider that describes the contents of the product provided by the drafter in association with the amount of funding provided by the investor, and provides the funder with a product as a return for investment on behalf of the drafter. A product catalog display device for displaying a product catalog which also describes contents;
Among the products described in the product catalog displayed by the product catalog display device, the product offered by the drafting provider is selected as a return product, and the product provided by the product provider is selected as a returnable point. An investment settlement apparatus that executes settlement funded by the investor;
A point management device which grants points as return of equity to the funder after the equity application period has elapsed based on the settlement made by the equity settlement device, and manages the points as owned by the funder; ,
A statement preparation device for creating a statement of accounts to calculate an amount obtained by subtracting the amount of points as return of the contribution from the amount of funds provided by the funders as the amount of procurement funds to be delivered to the drafter Have
The above-mentioned investment settlement apparatus is closed at the stage where the planned scale of bidding has been made, based on the predetermined size of the bid as to how much money is to be procured.
As a result, the drafter can determine the amount of funds raised at the end of the bidding, and can determine the amount of funds raised regardless of the timing of the return product purchase by the investor and the purchase price of the products.
Furthermore, the server computer is a three-party crowdfunding system characterized in that the server computer sets up one having the same function for each area or group and shares information about return products among a plurality of servers. . A server computer that operates a three-party crowdfunding, an operator terminal used by an operator operating the three-party crowdfunding, a drafter terminal used by a drafter who receives the provision of funds, and a stakeholder's contribution A three-party crowdfunding system in which a product provider terminal used by a product provider who provides a return product in return for money and a funder terminal used by an investor are connected via the Internet,
The server computer is
An item of goods provided by a product provider that describes the contents of the product provided by the drafter in association with the amount of funding provided by the investor, and provides the funder with a product as a return for investment on behalf of the drafter. A product catalog display device for displaying a product catalog which also describes contents;
A product catalog editing apparatus for editing display contents displayed by the product catalog display apparatus;
Among the products described in the product catalog displayed by the product catalog display device, the product offered by the drafting provider is selected as a return product, and the product provided by the product provider is selected as a returnable point. An investment settlement apparatus that executes settlement funded by the investor;
A point management device which grants points as return of equity to the funder after the equity application period has elapsed based on the settlement made by the equity settlement device, and manages the points as owned by the funder; ,
A statement preparation device for creating a statement of accounts to calculate an amount obtained by subtracting the amount of points as return of the contribution from the amount of funds provided by the funders as the amount of procurement funds to be delivered to the drafter Have
The product catalog editing apparatus
The product catalog is created so that the points which the point management device gives to the investor can be consumed to purchase return products provided by the product provider.
The points that the point management device gives to the investor can be held by the investor even if it is time for funds to move to the drafter.
As a result, the timing of financing by the drafter and the timing of point consumption by the investor can be made different, and the timing of shipping of the drafter's product and the timing of shipping of the product of the product provider will be different. Can be
Furthermore, the server computer is a three-party crowdfunding system characterized in that the server computer sets up one having the same function for each area or group and shares information about return products among a plurality of servers. . A server computer that operates a three-party crowdfunding, an operator terminal used by an operator operating the three-party crowdfunding, a drafter terminal used by a drafter who receives the provision of funds, and a stakeholder's contribution A three-party crowdfunding system in which a product provider terminal used by a product provider who provides a return product in return for money and a funder terminal used by an investor are connected via the Internet,
The server computer is
An item of goods provided by a product provider that describes the contents of the product provided by the drafter in association with the amount of funding provided by the investor, and provides the funder with a product as a return for investment on behalf of the drafter. A product catalog display device for displaying a product catalog which also describes contents;
A product catalog editing apparatus for editing display contents displayed by the product catalog display apparatus;
Among the products described in the product catalog displayed by the product catalog display device, the product offered by the drafting provider is selected as a return product, and the product provided by the product provider is selected as a returnable point. An investment settlement apparatus that executes settlement funded by the investor;
A point management device which grants points as return of equity to the funder after the equity application period has elapsed based on the settlement made by the equity settlement device, and manages the points as owned by the funder; ,
A statement preparation device for creating a statement of accounts to calculate an amount obtained by subtracting the amount of points as return of the contribution from the amount of funds provided by the funders as the amount of procurement funds to be delivered to the drafter Have
While the product catalog editing apparatus inputs information on the amount that the drafter wants to raise, the quantity and the wholesale price of the goods or services that the drafter can provide as a return, and the time to raise the fund. Create a trial calculation, and when the drafter agrees with it, create the product catalog,
The points that the point management device gives to the investor can be held by the investor even if it is time for funds to move to the drafter.
As a result, the timing of financing by the drafter and the timing of point consumption by the investor can be made different, and the timing of shipping of the drafter's product and the timing of shipping of the product of the product provider will be different. Can be
Furthermore, the server computer works in an area including a producer and a consumer, and uses the area currency used in the area as the point, or uses the point in the same manner as the area currency in the area. Three-party crowdfunding system. A server computer that operates a three-party crowdfunding, an operator terminal used by an operator operating the three-party crowdfunding, a drafter terminal used by a drafter who receives the provision of funds, and a stakeholder's contribution A three-party crowdfunding system in which a product provider terminal used by a product provider who provides a return product in return for money and a funder terminal used by an investor are connected via the Internet,
The server computer is
An item of goods provided by a product provider that describes the contents of the product provided by the drafter in association with the amount of funding provided by the investor, and provides the funder with a product as a return for investment on behalf of the drafter. A product catalog display device for displaying a product catalog which also describes contents;
Among the products described in the product catalog displayed by the product catalog display device, the product offered by the drafting provider is selected as a return product, and the product provided by the product provider is selected as a returnable point. An investment settlement apparatus that executes settlement funded by the investor;
A point management device which grants points as return of equity to the funder after the equity application period has elapsed based on the settlement made by the equity settlement device, and manages the points as owned by the funder; ,
A statement preparation device for creating a statement of accounts to calculate an amount obtained by subtracting the amount of points as return of the contribution from the amount of funds provided by the funders as the amount of procurement funds to be delivered to the drafter Have
The above-mentioned investment settlement apparatus is closed at the stage where the planned scale of bidding has been made, based on the predetermined size of the bid as to how much money is to be procured.
As a result, the drafter can determine the amount of funds raised at the end of the bidding, and can determine the amount of funds raised regardless of the timing of the return product purchase by the investor and the purchase price of the products.
Furthermore, the server computer works in an area including a producer and a consumer, and uses the area currency used in the area as the point, or uses the point in the same manner as the area currency in the area. Three-party crowdfunding system. A server computer that operates a three-party crowdfunding, an operator terminal used by an operator operating the three-party crowdfunding, a drafter terminal used by a drafter who receives the provision of funds, and a stakeholder's contribution A three-party crowdfunding system in which a product provider terminal used by a product provider who provides a return product in return for money and a funder terminal used by an investor are connected via the Internet,
The server computer is
An item of goods provided by a product provider that describes the contents of the product provided by the drafter in association with the amount of funding provided by the investor, and provides the funder with a product as a return for investment on behalf of the drafter. A product catalog display device for displaying a product catalog which also describes contents;
A product catalog editing apparatus for editing display contents displayed by the product catalog display apparatus;
Among the products described in the product catalog displayed by the product catalog display device, the product offered by the drafting provider is selected as a return product, and the product provided by the product provider is selected as a returnable point. An investment settlement apparatus that executes settlement funded by the investor;
A point management device which grants points as return of equity to the funder after the equity application period has elapsed based on the settlement made by the equity settlement device, and manages the points as owned by the funder; ,
A statement preparation device for creating a statement of accounts to calculate an amount obtained by subtracting the amount of points as return of the contribution from the amount of funds provided by the funders as the amount of procurement funds to be delivered to the drafter Have
The product catalog editing apparatus
The product catalog is created so that the points which the point management device gives to the investor can be consumed to purchase return products provided by the product provider.
The points that the point management device gives to the investor can be held by the investor even if it is time for funds to move to the drafter.
As a result, the timing of financing by the drafter and the timing of point consumption by the investor can be made different, and the timing of shipping of the drafter's product and the timing of shipping of the product of the product provider will be different. Can be
Furthermore, the server computer works in an area including a producer and a consumer, and uses the area currency used in the area as the point, or uses the point in the same manner as the area currency in the area. Three-party crowdfunding system. The server computer is
The fund provider terminal consumes points and performs processing of purchasing a product of the product provider, manages consumption history of the point, and processes payment for the product provider. The three-party crowdfunding system according to any one of claims 1 to 6.   The three-party crowdfunding according to any one of claims 1 to 6, wherein the investment settlement apparatus enables the investment settlement using points owned by a funder. system.   The points managed by the point management apparatus are linked with an existing point system to enable point exchange, thereby making it possible to purchase a product which can be purchased by the existing point system. Three-way crowdfunding system described in any one of the above.   The three-party crowdfunding system according to any one of claims 1 to 6, wherein the fundraising is performed in a mutual aid type membership organization.

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