JP2021128800A - Information processor - Google Patents

Abstract

To provide a fund product where an object of investment excels in investment yield, demand-and-supply balance and stability in market as well as being capable of allocating desired profit and loss by an investor.SOLUTION: A purchase selling amount arithmetic unit 301 calculates purchase amount of t number of vehicles and a sales amount after a prescribed passage of time. A lease fee arithmetic unit 303 calculates a lease fee for each of the t number of vehicles with a fund manager FM who purchased each of the t number of vehicles as a lessor. A profit and loss arithmetic unit 304 calculates each of a profit and loss amount of a truck fund and the profit and loss amount of an investor investing on the fund product by purchasing the fund product composed of a combination of the t number of vehicles, based on the lease fee, the purchase amount, and the sale amount. A product optimization unit 202 has various calculations repeatedly executed and determines content of the fund product so that the profit and loss amount of the truck fund becomes the desired amount by an investor I based on the executed results.SELECTED DRAWING: Figure 3

Description

The present invention relates to an information processing device.

Conventionally, an investment strategy planning system has been proposed for the purpose of smoothly promoting investment activities in funds and stably paying high dividends to investors (see, for example, Patent Document 1).

Japanese Unexamined Patent Publication No. 2003-1087776

However, from investors, a fund that has better investment yield, supply and demand balance, and stability of the trading market than the conventional technology including Patent Document 1, and can record desired profit and loss. There is a demand to invest in.

The present invention has been made in view of such a situation, and the investment target is excellent in investment yield, supply-demand balance, and stability of the trading market, and can record the profit and loss desired by the investor. The purpose is to provide the products of the fund to investors.

In order to achieve the above object, the information processing device of one aspect of the present invention is
Purchase and sales amount calculation unit that calculates the purchase amount of vehicles in the t range (t is an integer value of 1 or more) including the vehicle type, history information including elapsed years, and price as parameters, and the sales amount after a predetermined period has elapsed. When,
A rental cost calculation unit that calculates the rental cost when renting each of the t-unit vehicles to a predetermined lessee under a lease contract, with the person who purchased each of the t-unit vehicles as the lender.
Based on the rental cost, the purchase amount, and the sales amount, the profit and loss amount of the lender and the profit and loss amount of the investor who purchases the product of the fund consisting of the combination of the t vehicles are calculated. The profit and loss calculation unit to calculate,
By changing the combination of the parameters, the t-unit, the purchase amount, the sales amount, the rental cost, the profit / loss of the lender, and the profit / loss of the investor, the purchase sales amount calculation unit, the rental cost calculation unit, And, each process of the profit and loss calculation unit is repeatedly executed, and based on the execution result, the content of the product of the fund is determined so that the profit and loss amount of the lender becomes the amount desired by the investor. Kabu and
To be equipped.

In addition, a depreciation calculation unit for calculating the depreciation cost of each of the t-unit vehicles is further provided.
The profit and loss calculation unit further
Based on the rental cost, the depreciation cost, the purchase amount, and the sales amount, the profit and loss amount of the lender and the profit and loss amount of the investor who purchases the product of the fund are calculated respectively. ,
The product optimization department also
By changing the combination of the parameters, the t-unit, the purchase amount, the sales amount, the depreciation cost, the rental cost, the profit / loss of the lender, and the profit / loss of the investor, the purchase / sales amount calculation unit, the said. Each process of the depreciation calculation unit, the rental cost calculation unit, and the profit and loss calculation unit is repeatedly executed, and based on the execution result, the profit and loss amount of the lender becomes the amount desired by the investor. The content of the product of the fund can be determined.

In addition, the product optimization unit further
Based on the amount of funds procured by the lender through the loan and the amount of funds procured by selling the products of the fund, the amount of profit or loss of the lender may be the amount desired by the investor. The combination of the loan and the fund can be optimized.

Further, at least a part of the t-unit vehicles may include a towing vehicle that can be separated into a tractor and a trailer.

In addition, the rental expense calculation unit further
The rental cost of the vehicle can be calculated based on the amount of consideration obtained when the borrower provides a predetermined service using the vehicle.

In addition, the vehicle can be a commercial freight transport vehicle.

Moreover, the vehicle can be a vehicle for carrying passengers.

According to the present invention, it is possible to provide a fund product in which the investment target is excellent in investment yield, supply-demand balance, and stability of the trading market, and can record the profit and loss desired by the investor.

It is a figure which shows the outline of the structure of the information processing system including the information processing apparatus which concerns on one Embodiment of this invention. It is a block diagram which shows the hardware configuration of the service providing server 1 of FIG. FIG. 5 is a functional block diagram showing an example of a functional configuration of a service providing server 1, an investor terminal 2, a seller terminal 3, and a borrower terminal 4 in the information processing system of FIG. 1. It is a functional block diagram which shows an example of the functional configuration of the service providing server 1 in the information processing system of FIG. It is a figure which shows the specific example of the calculation result performed in the simulation part. It is a figure which shows the specific example of the calculation result by the profit and loss calculation part of the simulation part. It is a figure which shows the example of the result of optimization by the product optimization part. It is a figure which shows the example of the vehicle information about the commercial freight transport vehicle which constitutes the product of the optimized truck fund.

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

FIG. 1 is a diagram showing an outline of a configuration of an information processing system including an information processing device according to an embodiment of the present invention.

The information processing system shown in FIG. 1 includes a service providing server 1 operated by the fund manager FM and an investor terminal 2 operated by investors I-1 to In (n is an arbitrary integer value of 1 or more). -1 to 2-n, seller terminals 3-1 to 3-m operated by sellers S-1 to SM (m is an arbitrary integer value of 1 or more), and borrower R- Each of the borrower terminals 4-1 to 4-p operated by each of 1 to R-p (p is an arbitrary integer value of 1 or more) is connected to each other via a predetermined network N such as the Internet. It is composed of things.

Here, the fund manager FM is an individual or an organization whose purpose is to manage and increase the assets entrusted by investors I-1 to In as the operating entity of the fund for commercial freight transport vehicles. To say.
The target of the fund to which the present invention is applied is a vehicle, and in particular, in the present embodiment, a used vehicle of a commercial freight transport vehicle is adopted. The vehicle in the present invention is not particularly limited. For example, any vehicle can be included, such as a freight-carrying vehicle such as a truck or trailer, or a vehicle for carrying passengers such as a bus.
In addition, unless otherwise specified in the present specification, when simply referred to as a used vehicle, it shall mean a used vehicle of a commercial freight transport vehicle.

Investors I-1 to In are individuals or corporations that invest their current assets in funds with the main purpose of increasing their assets in the future. For example, individual investors and institutional investors. Etc. are included. The purpose of investing in the fund by investors I-1 to In includes that the profit / loss amount of the truck fund with respect to the investment amount of the investor I-1 to In becomes the amount desired by the investors I-1 to In. Is done.
Sellers S-1 to SM are persons who sell commercial freight vehicles and receive compensation based on a sales contract for commercial freight vehicles with the fund manager FM, and are not used for business purposes, for example. Includes transportation companies that sell commercial freight transportation vehicles as used vehicles.
Borrowers R-1 to R-p are persons who rent one or more commercial freight-carrying vehicles covered by the fund based on a lease contract with the fund manager FM, and transport them using, for example, a used car. Includes transportation companies that operate businesses.

The commercial freight transport vehicles covered by the fund can include towing vehicles that can be divided into tractors and trailers (loading platforms and passenger cars). Here, the tractor and the trailer are combined at the time of movement, but can be divided at the time of storage. Therefore, for the borrower R-1, if there is one or more tractors, more trailers are stored. It is also possible. Therefore, in this embodiment, the tractor and the trailer can be handled separately, and each can be the target of the fund independently. In other words, when describing a towing vehicle as "one commercial freight transport vehicle," it means "one towing vehicle (a set of a tractor and a trailer)," as well as "one tractor" or "one trailer." It also includes the meaning of "dai".

Hereinafter, investors I-1 to In, investor terminals 2-1 to 2-n, sellers S-1 to SM, seller terminals 3-1 to 3-m, borrowers R-1 to R -P, When it is not necessary to distinguish each of the borrower terminals 4-1 to 4-p individually, these are collectively referred to as "investor I", "investor terminal 2", "seller S", and "seller terminal". 3 ”,“ Borrower R ”, and“ Borrower terminal 4 ”are called respectively.

The service providing server 1 executes various processes in order to manage the operations of the investor terminal 2, the seller terminal 3, and the borrower terminal 4.
The investor terminal 2 is an information processing terminal operated by the investor I, and is composed of, for example, a personal computer, a smartphone, or the like.
The seller terminal 3 is an information processing terminal operated by the seller S, and is composed of, for example, a personal computer, a smartphone, or the like.
The borrower terminal 4 is an information processing terminal operated by the borrower R, and is composed of, for example, a personal computer, a smartphone, or the like.

Specifically, in the present embodiment, the service providing server 1 manages the operations of the investor terminal 2, the seller terminal 3, and the borrower terminal 4 as follows.

That is, in the present embodiment, the fund manager FM purchases t units (t is an integer value of 1 or more) of commercial freight transport vehicles from the seller S, and makes a vehicle sales contract, a vehicle lease contract, and a vehicle lease contract with the fund. And conclude an asset management contract.
Here, the asset management contract means a contract in which the fund manager FM manages the commercial freight forwarding vehicle on behalf of the fund that is the owner of the commercial freight forwarding vehicle.
In addition, the fund manager FM rents t units of commercial freight transport vehicles from the fund and rents the t units of commercial freight transport vehicles to the borrower R.
Therefore, the fund manager FM can earn profits based on the vehicle sales contract and the asset management contract with the fund and the rental contract with the borrower R.
In addition, the fund can earn profits based on a vehicle lease contract with the fund manager FM and the sale of the t-unit commercial freight transport vehicle after a lapse of a predetermined number of years. In addition, using this as a source, stable dividends can be paid to Investor I.
Hereinafter, a fund having such a profit structure will be referred to as a “track fund”.

Here, a new vehicle may be adopted as a commercial freight transport vehicle that is the target of the truck fund, but in the present embodiment, a used vehicle is adopted. This is due to the following reasons.
First of all, as a premise, at least in Japan, for tax purposes, regardless of whether it is a new car or a used car, it is allowed to immediately expense all the amount required to acquire the vehicle in the accounting process when purchasing the vehicle. Not done. This is because the vehicle is used for several years and needs to be expensed as depreciation according to the period of use of the vehicle. The period of use is referred to as "useful life".
In this case, Investor I will pay the depreciation cost of the purchase cost of the commercial freight transport vehicle covered by the truck fund for the portion invested by himself / herself during the period until the useful life expires. Can be expensed in accounting. That is. Investor I can enjoy the tax benefits by purchasing the products of the truck fund.
The merit of depreciation in terms of taxation is particularly greater for used cars than for new cars. This is because it is generally considered that used cars cannot be used longer than new cars, so used cars have a shorter useful life than new cars. That is, a used car has an advantage that it can be expensed (depreciated) in a shorter period of time than a new car in terms of accounting processing. Therefore, it can be said that the used car is an investment target for Investor I, which has an excellent investment yield and a stable supply-demand balance and transaction market price.

Also, even when compared to a fund that invests in real estate such as houses and buildings that have a longer useful life than new cars, used cars have a much shorter useful life than real estate, so investors I can enjoy the benefits of depreciation in a short period of time.
Furthermore, compared to airplane funds, ship funds, etc., which are often managed overseas, Investor I can enjoy the advantage of low risk of exchange fluctuations.
That is, the truck fund is an excellent fund product that can obtain a stable dividend for Investor I and can record depreciation expenses in a short period of time.

In this respect, the fund manager FM can provide such an excellent fund product (truck fund) to the investor I with peace of mind. In addition, the fund manager FM can sufficiently recover the profit even if the dividend is paid to the investor I.

In addition, in a truck fund, the borrower R, who runs a transportation company, can acquire a new means of procuring a commercial freight transport vehicle by renting a used car as a commercial freight transport vehicle from the fund manager FM.
That is, the conventional general means of procuring a commercial freight transport vehicle is that the transportation company itself purchases the commercial freight transport vehicle. In this case, although the transportation company is responsible for the purchase cost of the commercial freight transport vehicle and taxes such as automobile tax, it cannot be highly evaluated as a financial asset value. In addition, there is a risk of vehicle breakdown. That is, the above-mentioned demerits occur in the general means of procuring a commercial freight transport vehicle.
However, in the truck fund, the ownership of the commercial freight transport vehicle used by the borrower R who runs the transport company belongs to the truck fund, so when the transport company directly purchases the commercial freight transport vehicle. There is no such disadvantage.
That is, the lessee R does not own a vehicle for carrying commercial freight, and only has to pay the rental fee to the fund manager FM every month based on the contents of the vehicle lease contract concluded with the fund manager FM.
Further, for example, the financial burden such as automobile tax and the risk of vehicle breakdown may be borne by the truck fund instead of the borrower R depending on the contents of the lease contract.
Therefore, when the management constitution (balance sheet, etc.) of the borrower R is evaluated by a third party including a financial institution, it is better to procure it by rent than to procure a commercial freight transport vehicle by purchase. , Borrower R will be highly evaluated.

In this way, the products of the truck fund are attractive funds that can benefit all of the investor I, the fund manager FM, and the borrower R.
Therefore, it is desirable that the profit and loss of the four parties including the investor I, the fund manager FM, the truck fund, and the borrower R be optimized for the contents of the truck fund products.
That is, in order for such optimization to be performed, the fund manager FM selects the optimum combination as the combination of the following items (1) to (5) regarding each of the t units of commercial freight transport vehicles. Need to consider.
(1) Purchase amount including vehicle type, history information including the number of years elapsed since it was sold as a new vehicle, and vehicle price as at least parameters (hereinafter referred to as "parameter information") (2) Predetermined after purchase from seller S Sales amount after the lapse of the period (trade-in price)
(3) Depreciation cost (4) Rental cost when renting to a predetermined borrower R (5) Gains and losses of investor I, fund manager FM, track fund, and borrower R

The service providing server 1 in the present embodiment performs simulations for various combinations of the above (1) to (5). This makes it possible to provide truck fund products based on the optimum combination of a plurality of commercial freight transport vehicles.
Such a product is an optimal product in which the profit and loss of the investor I, the fund manager FM, the track fund, and the profit and loss of the borrower R (rental costs, financial advantages and disadvantages) are comprehensively considered.

The details of these processes executed by the service providing server 1 will be described later with reference to FIGS. 3 and 4.

FIG. 2 is a block diagram showing a hardware configuration of the service providing server 1 of FIG.

The service providing 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. A 17, a storage unit 18, a communication unit 19, and a drive 20 are provided.

The CPU 11 executes various processes according to the program recorded in the ROM 12 or the program loaded from the storage unit 18 into the RAM 13.
Data and the like necessary for the CPU 11 to execute various processes are also appropriately stored in the RAM 13.

The CPU 11, ROM 12 and RAM 13 are connected to each other via the 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 is composed of a display, a speaker, and the like, and outputs various information as images and sounds.
The input unit 17 is composed of a keyboard, a mouse, and the like, and inputs various information.

The storage unit 18 is composed of a hard disk, a DRAM (Dynamic Random Access Memory), or the like, and stores various data.
The communication unit 19 uses other devices (in the example of FIG. 1, investor terminals 2-1 to 2-n, seller terminals 3-1 to 3-m, and borrower terminals 4-1 to 3) via a network N including the Internet. Communicate with 4-p).

A removable media 30 made of a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is appropriately mounted on the drive 20. The program read from the removable media 30 by the drive 20 is installed in the storage unit 18 as needed.
Further, the removable media 30 can also store various data stored in the storage unit 18 in the same manner as the storage unit 18.

Although not shown, among the information processing systems of FIG. 1, the investor terminal 2, the seller terminal 3, and the borrower terminal 4 as one embodiment of the present invention also have the hardware configuration shown in FIG. There is.

FIG. 3 is a functional block diagram showing an example of the functional configuration of the service providing server 1 in the information processing system of FIG.

In the CPU 11 (FIG. 2) of the service providing server 1, the simulation unit 201 and the product optimization unit 202 function as shown in FIG.
A vehicle DB 401 and a calculation result DB 402 are provided in one area of the storage unit 18 (FIG. 2).

The simulation unit 201 includes a purchase / sales amount calculation unit 301, a depreciation calculation unit 302, a rent expense calculation unit 303, and a profit / loss calculation unit 304.

In the simulation unit 201, for example, with respect to a combination of t units (t is an integer value of 1 or more) arbitrarily selected from a plurality of commercial freight transport vehicles, the following in each calculation unit Such an operation is performed. For each of the t units of commercial freight transport vehicles selected arbitrarily, at least the vehicle type, the history information including the elapsed years, and the price are associated as parameters, and are stored and managed in the vehicle DB 401. ing.
Here, the combination of t units of commercial freight-carrying vehicles can include not only those currently owned by the truck fund but also commercial freight-carrying vehicles that can be purchased by the truck fund in the future.

The purchase / sales amount calculation unit 301 calculates the purchase amount and the sales amount (trade-in price) after a lapse of a predetermined period for each of the t units of commercial freight transport vehicles.
For commercial freight-carrying vehicles currently owned by the Truck Fund, the amount paid when the commercial freight-carrying vehicle is actually purchased is calculated as the purchase price. For commercial freight transport vehicles that can be purchased by the truck fund in the future, the estimated purchase price calculated based on the information obtained from the seller terminal 3 is the purchase price. The specific amount of investment by Investor I is determined based on the purchase amount of the t-unit commercial freight transport vehicle.
The sales amount (trade-in price) after the lapse of a predetermined period is the estimated sales amount calculated based on the above parameters and the purchase amount of the commercial freight transport vehicle.
A specific example of the purchase amount of the commercial freight transport vehicle calculated by the purchase / sales amount calculation unit 301 will be described later with reference to FIG. 5A.

The depreciation calculation unit 302 calculates the depreciation cost of each of the t units of commercial freight transport vehicles based on the calculation result of the purchase amount and the like by the purchase sales amount calculation unit 301.
A specific example of the depreciation cost of the commercial freight transport vehicle calculated by the depreciation calculation unit 302 will be described later with reference to FIG. 5B.

The rental expense calculation unit 303 makes a lease contract with the lessee R for each of the t units of commercial freight transportation vehicles, with the fund manager FM renting each of the t units of commercial freight transportation vehicles from the truck fund as the lessor. Calculate the rental cost when renting based on. This rental cost is a variable factor and is calculated by a predetermined algorithm.
In addition, the rental cost of the commercial freight transport vehicle can be calculated based on the amount of consideration obtained when the borrower R provides a predetermined service using the commercial freight transport vehicle.
As a result, the fund manager FM can rent a commercial freight transport vehicle and provide (intermediate) the specific freight transport business itself using the commercial freight transport vehicle to the borrower R.
A specific example of the rental cost of the commercial freight transport vehicle calculated by the rental cost calculation unit 303 will be described later with reference to FIG. 5C.

The profit / loss calculation unit 304 determines the profit / loss amount of the track fund and the investor I based on the calculation result of the purchase / sales amount calculation unit 301, the calculation result of the depreciation calculation unit 302, and the calculation result of the rental expense calculation unit 303. The profit and loss amount of the borrower R and the profit and loss amount of the borrower R are calculated respectively.
Here, the profit and loss of the truck fund mainly refers to the depreciation cost and various expenses for the commercial freight forwarding vehicle from the total amount of the rental income and the sales amount (trade-in price) of the commercial freight forwarding vehicle. It is the reduced amount.
The profit / loss of Investor I is mainly the amount obtained by subtracting the depreciation cost of the commercial freight transport vehicle that can be recorded as its own expense from the dividend amount of the truck fund.
The profit and loss of the borrower R is mainly the difference between the cost required when purchasing a commercial freight transport vehicle at its own expense and the cost required when renting it, and the profit and loss of the company that can be incurred by changing from own purchase to rent. Includes improvement of asset value.
Specific examples of various profit and loss amounts calculated by the profit and loss calculation unit 304 will be described later with reference to FIG.

One simulation result for a predetermined combination of t units of commercial freight transport vehicles is stored in the calculation result DB 402.

The product optimization unit 202 describes the parameters, the purchase price, the sales price, the depreciation cost, the rent cost, the profit and loss of the truck fund, and the profit and loss of the investor I regarding each of the t units of commercial freight transport vehicles. While changing the combination of the profit and loss and the profit and loss of the borrower R, each process in the purchase / sales amount calculation unit 301, the depreciation calculation unit 302, the rental expense calculation unit 303, and the profit / loss calculation unit 304 is repeatedly executed. Then, the product optimization unit 202 determines the content of the product of the track fund so that the profit / loss amount of the track fund becomes the amount desired by the investor I based on the execution result of each process.
That is, the product optimization unit 202 describes the parameters, the purchase amount, the sales amount, the depreciation cost, the rent cost, the profit and loss of the truck fund, and the investor regarding each of the t units of commercial freight transport vehicles. The simulation by the simulation unit 201 is repeatedly executed while changing the combination of the profit and loss of I and the profit and loss of the borrower R.
Then, the product optimization unit 202 determines the product content of the truck fund based on a large number of simulation results by the simulation unit 201.
In this way, the content of the track fund's products is optimal for the fund manager FM, the investor I, and the borrower R.
Specific examples of the truck fund products optimized by the product optimization unit 202 will be described later with reference to FIGS. 7 and 8.

The case where the operating entity of the truck fund is the fund manager FM has been described above.
The case where the information processing device according to the embodiment of the present invention can be applied is not limited to the case where the operating entity of the truck fund is the fund manager FM. For example, it can be applied to a case where one company is the sole operating entity without taking the form of a fund.
In this way, a case in which the operating entity is a single company without taking the form of a fund will be described with reference to FIG.
FIG. 4 is a functional block diagram showing an example of the functional configuration of the service providing server 1 of FIG. 1, the seller terminal 3, and the borrower terminal 4.
In the example of FIG. 4, one company that is the operating entity is described as "manager M".

As can be easily understood by comparing FIG. 3 and FIG. 4, the functional configuration of the service providing server 1 is the same regardless of the operating entity.
That is, there are two differences between the case where the operating entity is the fund manager FM and the case where the operating entity is the manager M (one company alone). That is, the first is the difference in the source of funds for the purchase price of t units of commercial freight transport vehicles. That is, the source of the purchase price of the t-unit commercial freight transport vehicle is the investment amount of the investor I in the former, while the latter is the amount separately prepared by the manager M (one company alone). It becomes. The second difference is that in the latter case, since there is no investor I, there is no dividend itself, and all the profits generated by the truck fund are the profits of the manager M.
Except for the two differences mentioned above, they are basically the same. Therefore, even if the operating entity is manager M (one company alone), the same simulation as when the operating entity is fund manager FM is performed, which is optimal as the content of the truck fund product. Things are decided.

As described above with reference to FIGS. 3 and 4, the service providing server 1 performs various processes so as to be a track fund product having the optimum contents for the fund manager FM, the manager M, the investor I, and the borrower R. To execute.

Hereinafter, referring to FIGS. 5 to 8, the amount that Investor I intends to invest is 30,000,000 yen, and the amount that Investor I wants to record profit or loss in the first year is 60% of the investment amount18. An example assuming a case of ¥ 1,000,000 will be described. Specifically, as a result of each process being executed on the service providing server 1, the number of commercial freight transport vehicles is "8", the investment amount of Investor I is "30,000,000 (yen)", and the first year. The explanation will be made on the assumption that a truck fund product with a profit / loss amount of “-17,293,333 (yen)” is proposed to Investor I.
5 to 8 are diagrams showing specific examples of the results of various operations performed by the simulation unit 201 and the results of the optimization processing performed by the product optimization unit 202.

FIG. 5A is a diagram showing a specific example of information stored in the calculation result DB 402 as the calculation result by the purchase / sales amount calculation unit 301 of the simulation unit 201.
In the example shown in FIG. 5A, the set price (purchase amount), the residual value ratio, and the amortization period of 2 years have passed, with the model name, model, and year of each of the eight freight carriers as parameters. The selling price (sales amount) of is calculated.
Specifically, as the first of the eight commercial freight-carrying vehicles that make up the truck fund products, the model name is "Large Van (Wing)", the model is "FS64JZ-550", and the year is. Based on the parameters of the commercial freight transport vehicle set to "(Heisei) 19 (year)", the built-in price is "2,500,000 (yen)", the residual value ratio is "40.00%", and the sale The calculation result that the price is "1,000,000 (yen)" is shown.
In addition, as the second of the eight commercial freight transport vehicles that make up the truck fund products, the model name is "2t van", the model is "XZU548-000", and the year is "(Heisei) 21 (Heisei) 21. Based on the parameters of the commercial freight forwarding vehicle, the built-in price is "1,000,000 (yen)", the residual value ratio is "30.00%", and the selling price is "300,000". The calculation result of "(yen)" is shown.
As the calculation result by the purchase and sale amount calculation unit 301, other specific examples of the information stored in the calculation result DB 402 are as shown in FIG. 5A, and the total inclusion price is "27,200,000". (Yen) ”, the total selling price is“ 15,500,000 (yen) ”.

FIG. 5B is a diagram showing a specific example of information stored in the calculation result DB 402 as the calculation result by the depreciation calculation unit 302 of the simulation unit 201.
In the example shown in FIG. 5B, along with the amortization method (declining balance method in the example of FIG. 5B) and the amortization rate for each year, the amortization period determination (result) and the amortization rate determination (result) for each of the eight freight transport vehicles. , The number of months until the settlement of accounts for the first year, and the calculation results for the amortization amount for each year are shown.
Specifically, as the first of the eight commercial freight transport vehicles that make up the truck fund products, the amortization period determination (result) is "2 years" and the amortization rate determination (result) is "100. The calculation result is "00%", the first year of the amortization amount is "1,666,667 (yen)", and the second year of the amortization amount is "833,333 (yen)".
In addition, as the second of the eight commercial freight transport vehicles that make up the truck fund products, the amortization period judgment (result) is "2 years" and the amortization rate judgment (result) is "100.00%". The calculation result is shown that the first year of the amortization amount is "666,667 (yen)" and the second year of the amortization amount is "333,333 (yen)".
As the calculation result by the depreciation calculation unit 302, other specific examples of the information stored in the calculation result DB 402 are as shown in FIG. 5B, but the total depreciation amount in the first year is "18, "133,333 (yen)", and the total depreciation amount over the entire period is "27,200,000 (yen)".

FIG. 5C is a diagram showing a specific example of information stored in the calculation result DB 402 as the calculation result by the rental cost calculation unit 303 of the simulation unit 201.
In the example shown in Fig. 5C, the borrower (name of borrower R), monthly lease fee (gross), AM (asset management) remuneration, annual expenditure (vehicle inspection / maintenance), monthly amount for each of the eight freight transport vehicles. The calculation results for rental income (net), etc. are shown.
Specifically, as the first of the eight commercial freight transport vehicles that make up the truck fund products, the name of the borrower R is "○○ Transportation Co., Ltd." and the monthly lease fee (gross) is "100." 000 (yen), AM reward "5,000 (yen)", annual expenditure (vehicle inspection / maintenance) "477,700 (yen)", monthly expenditure (vehicle inspection / maintenance) "39,808 (yen)" , The calculation result that the monthly rental income (net) is "50,192 (yen)" is shown.
In addition, as the second of the eight commercial freight forwarding vehicles that make up the truck fund products, the name of the borrower R is "XX Transportation Co., Ltd." and the monthly lease fee (gross) is "50,000 (gross). Yen), AM fee is "2,500 (yen)", annual expenditure (vehicle inspection / maintenance) is "252,000 (yen)", monthly expenditure (vehicle inspection / maintenance) is "21,000 (yen)", monthly amount The calculation result that the rental income (net) is "24,000 (yen)" is shown.
As the calculation result by the rental cost calculation unit 303, other specific examples of the information stored in the calculation result DB 402 are as shown in FIG. 5C, but the total monthly lease fee (gross) is "671,". It is "000 (yen)".

FIG. 6 is a diagram showing a specific example of information stored in the calculation result DB 402 as the calculation result by the profit and loss calculation unit 304 of the simulation unit 201.
In the example shown in FIG. 6, the investment conditions, the cash flow, and the income statement (profit and loss amount of the truck fund) are shown as the calculation result by the profit and loss calculation unit 304.
The investment conditions include the investment amount, the loss for the first year, the loss for the second year, the investment period, and the final profit / loss (investor's profit / loss). Specifically, it is shown that the final profit / loss (investor's profit / loss) is "103.87%". That is, in the example shown in FIG. 6, the investor I can finally obtain a dividend of 3.83% of the investment amount by purchasing (that is, investing) the product of the truck fund. The first period (first year) in the examples of FIGS. 5 to 8 is "8 (months)" as shown in "the number of months until the settlement of accounts for the first year" in FIG. 5B. ..

The cash flows shown in FIG. 6 include TK (anonymous association) investment amount, loan, leasing fee (rental cost), provisional consumption tax amount, consumption tax refund amount, vehicle sale amount (sales amount), vehicle purchase amount, cost, and so on. The calculation results for the temporary payment consumption tax amount, consumption tax payment amount, loan repayment amount, TK (anonymous association) principal redemption amount, income and expenditure, and CF (cash flow) cumulative amount are shown. The "TK (anonymous association) investment amount" means the investment amount by Investor I. In addition, "loan" refers to a loan from a financial institution. That is, as a fund for procuring a vehicle for carrying commercial cargo, not only the investment from Investor I but also the borrowing from a financial institution can be used. As a result, the fund manager FM can provide the investor I with a truck fund product in which the balance between the fund and the loan is taken into consideration. The calculation result in consideration of the balance between the fund and the loan will be described later with reference to FIG. 7.

As shown in Fig. 6, in the first period, the TK (anonymous association) investment amount is "30,000,000 (yen)", the loan amount is "0 (yen)", and the lease fee (rental cost) is "5". , 368,000 (yen) ”, provisional consumption tax amount is“ 429,440 (yen) ”, consumption tax refund amount is“ 0 (yen) ”, vehicle sale amount (sales amount) is“ 0 (yen) ”, The vehicle purchase amount is "27,200,000 (yen)", the cost is "4,528,000 (yen)", the temporary payment consumption tax amount is "2,538,240 (yen)", and the consumption tax payment amount is "2,538,240 (yen)". 0 (yen) ”, loan repayment amount is“ 0 (yen) ”, TK (anonymous association) principal redemption amount is“ 0 (yen) ”, balance is“ 1,531,200 (yen) ”, CF (cash) Flow) The calculation result that the cumulative amount is "1,531,200 (yen)" is shown.

Here, of the cash flows shown in FIG. 6, the lease fee (rental cost) “5,368,000 (yen)” for the first period is the total monthly lease fee (gross) “671,000” shown in FIG. 5C. It matches the amount for 8 months of "(yen)". In addition, of the cash flow shown in FIG. 6, the vehicle sales amount “15,500,000 (yen)” in the fourth period matches the total sales price shown in FIG. 5A (that is, the sales price for eight vehicles). .. In addition, of the cash flow shown in FIG. 6, the vehicle purchase amount “27,200,000 (yen)” in the first period is the total of the inclusion prices shown in FIG. 5A (that is, the inclusion price for eight vehicles). Match.

The income statement (profit and loss amount of the truck fund) shown in Fig. 6 includes the lease fee (rental cost) and the vehicle sale amount (sales amount) as sales, and various expenses, borrowing interest rate, and depreciation cost as expenses. The profit amount and the cumulative profit amount are calculated.
Specifically, in the first period, the lease fee (rental cost) is "5,368,000 (yen)" and the vehicle sales amount is "0 (yen)", so the total sales amount is "5". , 368,000 (yen) ”. In addition, the total cost is "4,528,000 (yen)", the borrowing interest rate is "0 (yen)", and the depreciation cost is "18,133,333 (yen)". It is "22,661,333 (yen)". As a result, the calculation result that the profit amount is "-17,293,333 (yen)" and the cumulative profit amount is "-17,293,333 (yen)" is shown.

Here, in the income statement shown in FIG. 6, the lease fee (rental cost) “5,368,000 (yen)” for the first period is the total monthly lease fee (gross) “671,” shown in FIG. 5C. It is the same as the amount for 8 months of "000 (yen)". In the income statement shown in FIG. 6, the depreciation expense “18,133,333 (yen)” in the first period is the total depreciation amount in the first year shown in FIG. 5B (that is, 8 in the first year). Amortization amount for each vehicle).
As the calculation result by the profit and loss calculation unit 304, other specific examples of the information stored in the calculation result DB 402 are as shown in FIG.

Looking at the transition of the profit amount in each period in the income statement of FIG. 6, as described above, the profit amount in the first period is "-17,293,333 (yen)". In the second period, the profit amount is "-3,581,667 (yen)" and the cumulative profit amount is "-20,875,000 (yen)". However, in the third period, the profit amount turns positive and becomes "7,563,000 (yen)", and the cumulative profit amount becomes "-13,312,000 (yen)". Furthermore, in the 4th period, the positive range of the profit amount becomes large and becomes "14,425,000 (yen)", and the cumulative profit amount also turns positive and becomes "1,113,000 (yen)".
In this way, truck fund products invest in commercial freight forwarding vehicles such as trucks with a short useful life, so profits and losses will be positive over the entire period, but the first and second periods will be positive. It is possible to record a large amount of depreciation expenses in the initial fiscal year such as. Therefore, it is possible to determine the combination of a plurality of commercial freight transport vehicles to be invested according to the needs of Investor I.

The combination of the results calculated by the simulation unit 201 will be optimized by the product optimization unit 202. As a result, a truck fund product is completed in which the profit / loss amount of the truck fund is the amount desired by Investor I.
Specifically, the product optimization unit 202 has the above-mentioned parameters, as well as the number, purchase amount, sales amount, depreciation cost, rent cost, and truck fund of the commercial freight transport vehicle that is the target of the truck fund product. While changing the combination of the profit and loss of Investor I and the profit and loss of Investor I, each process of the purchase and sale amount calculation unit 301, the depreciation calculation unit 302, the rent expense calculation unit 303, and the profit and loss calculation unit 304 is repeatedly executed. Then, based on the execution result, the content of the truck fund product is determined so that the profit / loss amount of the truck fund becomes the amount desired by the investor I.

FIG. 7 is a diagram showing an example of the result of optimization performed by the product optimization unit 202 in this way.

In FIG. 7A, as information on the truck fund products optimized by the product optimization unit 202, the number of commercial freight transport vehicles subject to the truck fund, vehicle purchase costs, vehicle sales amount, and depreciation in the first year are shown. The cost and the rental cost for the first year are shown. Specifically, the optimal number of commercial freight transport vehicles covered by the truck fund is "8 (units)", and the vehicle purchase cost in that case is "27,200,000 (yen)", vehicles. The sale price may be "15,500,000 (yen)", the depreciation cost for the first year may be "18,133,333 (yen)", and the rental cost for the first year may be "5,368,000 (yen)". It is shown.

Here, the vehicle purchase cost “27,200,000 (yen)” shown in FIG. 7A coincides with the vehicle purchase amount in the first period of the cash flow shown in FIG. In addition, the vehicle sales amount “15,500,000 (yen)” shown in FIG. 7A coincides with the vehicle sales amount in the fourth period in the cash flow and income statement shown in FIG. Further, the depreciation expense “18,133,333 (yen)” for the first year shown in FIG. 7A coincides with the depreciation expense for the first period in the income statement shown in FIG.

FIG. 7B shows an example in which a combination of a fund and a loan (borrowed from a financial institution) is optimized as a product of a track fund optimized by the product optimization unit 202. Specifically, for each ratio of the loan to the investment amount from Investor I (hereinafter, simply referred to as "loan ratio"), the loss amount in the first year, the interest burden amount, the principal repayment amount, the investor investment amount, and the loan. The amount and the deduction rate for the first year are shown. For example, if the loan ratio is "0.00%", the loss amount for the first year is "-17,293,333 (yen)", the interest burden is "0 (yen)", and the principal repayment amount is ""0(yen)", the investor investment amount is "30,000,000 (yen)", the loan amount is "0 (yen)", and the first year loss rate, which is the ratio of the first year loss amount to the investor investment amount, is It is shown to be "-57.64%".
If the loan ratio is "10.00%", the investor investment amount may be "30,000,000 (yen)" and the loan amount may be "3,000,000 (yen)". It is shown.

Here, the loss amount “-17,293,333 (yen)” in the first year shown in FIG. 7B coincides with the profit amount in the first period in the income statement shown in FIG. The investor investment amount “30,000,000 (yen)” shown in FIG. 7B coincides with the TK (anonymous association) investment amount in the first period of the cash flow shown in FIG. Further, the depreciation expense “18,133,333 (yen)” for the first year shown in FIG. 7A coincides with the depreciation expense for the first period in the income statement shown in FIG.
In this way, the combination of the results calculated by the simulation unit 201 is optimized by the product optimization unit 202, so that the profit and loss amount of the track fund becomes the amount desired by the investor I. Is completed. That is, in the examples shown in FIGS. 5 to 8, the number of commercial freight transport vehicles is "8", the investment amount of Investor I is "30,000,000 (yen)", and the loss amount in the first year is A truck fund product of "-17,293,333 (yen)" will be proposed to Investor I.

FIG. 8 shows an example of vehicle information about eight commercial freight transport vehicles that make up the goods of the truck fund optimized as described above.
As shown in FIG. 8, as vehicle information for eight commercial freight-carrying vehicles, a vehicle management number, a vehicle photograph, a vehicle name, a year, a manufacturer, and a user location of the vehicle are shown. The vehicle information shown in FIG. 8 can be made available to the investor I and the borrower R by using the investor terminal 2 and the borrower terminal 4.

Although one embodiment of the present invention has been described above, the present invention is not limited to the above-described embodiment, and modifications, improvements, and the like within the range in which the object of the present invention can be achieved are included in the present invention. Is.

For example, the hardware configuration shown in FIG. 2 is merely an example for achieving the object of the present invention, and is not particularly limited.

Further, the functional block diagrams shown in FIGS. 3 and 4 are merely examples, and are not particularly limited. That is, it suffices if the information processing apparatus is provided with a function capable of executing the above-mentioned series of processes as a whole, and what kind of functional block is used to realize this function is particularly shown in the examples of FIGS. 3 and 4. Not limited.

Further, the location of the functional block is not limited to FIGS. 3 and 4, and may be arbitrary.
Further, one functional block may be configured by a single piece of hardware, a single piece of software, or a combination thereof.

When the processing of each functional block is executed by software, the programs constituting the software are installed on a computer or the like from a network or a recording medium.
The computer may be a computer embedded in dedicated hardware. Further, the computer may be a computer capable of executing various functions by installing various programs, for example, a general-purpose smartphone or a personal computer in addition to a server.

The recording medium containing such a program is not only composed of removable media, which is distributed separately from the main body of the device to provide the program to each user, but also is preliminarily incorporated in the main body of the device to each user. It is composed of the provided recording medium and the like.

Further, the condition for calculating the rental cost for the commercial freight transport vehicle by the rental cost calculation unit 303 is not limited to one. The rental cost calculation unit 303 can calculate each condition set in the calculation of the rental cost of the commercial freight transport vehicle.
For example, the rent cost of the vehicle can be calculated based on the amount of consideration obtained when the borrower R provides a predetermined service using the commercial freight transport vehicle.
As a result, the fund manager FM can rent a commercial freight transport vehicle and provide (intermediate) the specific freight transport business itself using the commercial freight transport vehicle to the borrower R.

In addition, the t-unit commercial freight transport vehicles that are subject to leasing in truck funds include towed vehicles that can be separated into tractors (towing vehicles including the driver's seat) and trailers (towed vehicles such as loading platforms and passenger cars). Can be included.
Here, since the trailer can be depreciated in the same manner as a driving vehicle such as a truck or a tractor, the investor I can enjoy the above-mentioned depreciation advantage.
Since the trailer has a feature that there are fewer breakdowns than the driving vehicle, it has an advantage that the running cost is lower than that of the driving vehicle. Furthermore, it has the advantage that the price drop at the time of sale is smaller than that of a driving vehicle. Therefore, it is possible to utilize a method of actively including trailers in the investment target of the truck fund, for example, increasing the number of trailers per tractor.
This makes it possible to easily and easily create a fund product that further optimizes the profit and loss of each of the investor I, the fund manager FM, the truck fund, and the borrower R.

Further, in the above-described embodiment, the vehicle targeted for the truck fund product is a used vehicle, but the vehicle is not limited to the used vehicle. New cars can also be targeted by truck fund products. Even in this case, since the vehicle has a shorter useful life than real estate, it is possible to enjoy certain benefits of depreciation.
If the vehicle covered by the truck fund product is a new vehicle, Investor I will enjoy the same benefits as a used vehicle by combining the fund procurement with the fund and the financing with the loan. Can be done.
This is because the useful life of a new car is generally longer than that of a used car, so it is harder to enjoy the benefits of depreciation than a used car. This is because the ratio of depreciation costs can be increased.

Further, in the above-described embodiment, the fund manager FM purchases a vehicle for carrying commercial cargo, concludes a vehicle sales contract, a vehicle lease contract, and an asset management contract with the truck fund, and then uses the vehicle for business use. The vehicle for freight transportation is rented and rented to the lessee R.
However, the present invention is not limited to the above embodiment, and the truck fund may directly purchase a commercial freight transport vehicle and rent it to the borrower R.

Summarizing the above, the information processing apparatus to which the present invention is applied need only have the following configuration, and various various embodiments can be taken.
That is, the information processing device to which the present invention is applied is
Purchase price of vehicles in t units (t is an integer value of 1 or more) (for example, commercial freight transport vehicles), including vehicle type, history information including elapsed years, and price as parameters, and sales after a predetermined period of time The purchase and sales amount calculation unit (for example, the purchase and sales amount calculation unit 301 in FIGS. 3 and 4) that calculates the amount, and
The person who purchased each of the t-vehicles (for example, the fund manager FM in FIGS. 1 and 3) is the lender, and each of the t-vehicles is the predetermined borrower (for example, the borrower R in FIGS. 1 and 3). The rental cost calculation unit (for example, the rental cost calculation unit 303 in FIGS. 3 and 4) that calculates the rental cost when renting with a lease contract,
An investor (for example, FIG. The profit and loss calculation unit (for example, the profit and loss calculation unit 304 of FIGS. 3 and 4) that calculates the profit and loss amount of the investor I) of 1 and FIG.
By changing the combination of the parameters, the t-unit, the purchase amount, the sales amount, the rental cost, the profit / loss of the lender, and the profit / loss of the investor, the purchase sales amount calculation unit, the rental cost calculation unit, And, each process of the profit and loss calculation unit is repeatedly executed, and based on the execution result, the product optimum for determining the content of the product of the fund so that the profit and loss amount of the lender becomes the amount desired by the investor. Chemical unit (for example, product optimization unit 202 in FIGS. 3 and 4) and
To be equipped.
This makes it possible to easily and easily create a fund product that optimizes the profit and loss of each of the lender, the investor, and the borrower. That is, the investment target can provide investors with the products of the fund having excellent investment yield, supply and demand balance, and stability of the trading market.

Further, a depreciation calculation unit (for example, depreciation calculation unit 302 in FIGS. 3 and 4) for calculating the depreciation cost of each of the t vehicles is further provided.
The profit and loss calculation unit further
Based on the rental cost, the depreciation cost, the purchase amount, and the sales amount, the profit and loss amount of the lender and the profit and loss amount of the investor who purchases the product of the fund are calculated respectively. ,
The product optimization department also
By changing the combination of the parameters, the t-unit, the purchase amount, the sales amount, the depreciation cost, the rental cost, the profit / loss of the lender, and the profit / loss of the investor, the purchase / sales amount calculation unit, the said. Each process of the depreciation calculation unit, the rental cost calculation unit, and the profit and loss calculation unit is repeatedly executed, and based on the execution result, the profit and loss amount of the lender becomes the amount desired by the investor. The content of the product of the fund can be determined.
This makes it possible to easily and easily create a fund product that optimizes the profit and loss of each of the lender, the investor, and the borrower. That is, it is possible to provide an investor with a fund product in which the investment target is excellent in investment yield, supply-demand balance, and stability of the trading market, and can record the profit and loss desired by the investor.

The product optimization department further
Based on the amount of funds procured by the lender through the loan and the amount of funds procured by selling the products of the fund, the amount of profit or loss of the lender may be the amount desired by the investor. The combination of the loan and the fund can be optimized.
This makes it possible to provide investors with fund products that take into consideration the balance between the fund and the loan.

Further, at least a part of the t-unit vehicles can include a towing vehicle that can be separated into a tractor and a trailer.
That is, trailers (loading platforms and passenger cars) can handle depreciation in the same way as trucks and tractor drive cars, and because there are fewer breakdowns than drive cars, running costs (costs) are low, and at the time of sale. The price drop is small. Therefore, by making good use of the trailer as an investment target, it is possible to easily and easily create a fund product that further optimizes the profit and loss of the lender, the investor, and the borrower.

In addition, the rental expense calculation unit further
The rental cost of the vehicle can be calculated based on the amount of consideration obtained when the borrower provides a predetermined service using the vehicle.
As a result, the fund manager FM (and the truck fund) rents the commercial freight transport vehicle and provides (intermediates) the specific freight transport business itself using the commercial freight transport vehicle to the borrower R. be able to.

In addition, the vehicle can be a vehicle for carrying passengers.
As a result, it is possible to provide a fund product for vehicles for carrying passengers such as buses, as well as vehicles for carrying cargo as in the above-described embodiment.

In the present specification, the steps for describing a program recorded on a recording medium are not necessarily processed in chronological order according to the order, but are not necessarily processed in chronological order, but are arranged in parallel or individually. It also includes the processing to be executed.

Further, in the present specification, the term of the system means an overall device composed of a plurality of devices, a plurality of means, and the like.

1 ... Service providing server 2,2-1,2-n ... Investor terminal 3,3-1,3-m ... Seller terminal 4,4-1,4-p ... Borrower terminal 11 ... CPU
12 ... ROM
13 ... RAM
14 ... Bus 15 ... Input / output interface 16 ... Output unit 17 ... Input unit 18 ... Storage unit 19 ... Communication unit 20 ... Drive 30 ... Removable media 201 ...・ Simulation unit 202 ・ ・ ・ Product optimization unit 203 ・ ・ ・ Profit and loss calculation unit 301 ・ ・ ・ Purchase and sales amount calculation unit 302 ・ ・ ・ Depreciation calculation unit 303 ・ ・ ・ Rental cost calculation unit 304 ・ ・ ・ Profit calculation unit 401 ・ ・ ・ Vehicle DB
402 ・ ・ ・ Calculation result DB
FM ... Fund Manager M ... Manager I, I-1, In ... Investor S, S-1, Sm ... Seller R, R-1, R-p ... Borrower N ... Network

Claims (7)

Purchase and sales amount calculation unit that calculates the purchase amount of vehicles in the t range (t is an integer value of 1 or more) including the vehicle type, history information including elapsed years, and price as parameters, and the sales amount after a predetermined period has elapsed. When,
A rental cost calculation unit that calculates the rental cost when renting each of the t-unit vehicles to a predetermined lessee under a lease contract, with the person who purchased each of the t-unit vehicles as the lender.
Based on the rental cost, the purchase amount, and the sales amount, the profit and loss amount of the lender and the profit and loss amount of the investor who purchases the product of the fund consisting of the combination of the t vehicles are calculated. The profit and loss calculation unit to calculate,
By changing the combination of the parameters, the t-unit, the purchase amount, the sales amount, the rental cost, the profit / loss of the lender, and the profit / loss of the investor, the purchase sales amount calculation unit, the rental cost calculation unit, And, each process of the profit and loss calculation unit is repeatedly executed, and based on the execution result, the content of the product of the fund is determined so that the profit and loss amount of the lender becomes the amount desired by the investor. Kabu and
Information processing device equipped with. Further equipped with a depreciation calculation unit for calculating the depreciation cost of each of the t vehicles.
The profit and loss calculation unit further
Based on the rental cost, the depreciation cost, the purchase amount, and the sales amount, the profit and loss amount of the lender and the profit and loss amount of the investor who purchases the product of the fund are calculated respectively. ,
The product optimization department also
By changing the combination of the parameters, the t-unit, the purchase amount, the sales amount, the depreciation cost, the rental cost, the profit / loss of the lender, and the profit / loss of the investor, the purchase / sales amount calculation unit, the said. Each process of the depreciation calculation unit, the rental cost calculation unit, and the profit and loss calculation unit is repeatedly executed, and based on the execution result, the profit and loss amount of the lender becomes the amount desired by the investor. Determine the content of the fund's products,
The information processing device according to claim 1. The product optimization department further
Based on the amount of funds procured by the lender through the loan and the amount of funds procured by selling the products of the fund, the amount of profit or loss of the lender may be the amount desired by the investor. Optimize the combination of the loan and the fund,
The information processing device according to claim 1 or 2. At least some of the t vehicles include a tow vehicle that can be separated into a tractor and a trailer.
The information processing device according to any one of claims 1 to 3. The rental expense calculation unit further
The rental cost of the vehicle is calculated based on the amount of consideration obtained when the borrower provides a predetermined service using the vehicle.
The information processing device according to any one of claims 1 to 4. The vehicle is a commercial freight transport vehicle.
The information processing device according to any one of claims 1 to 5. The vehicle is a vehicle for carrying passengers.
The information processing device according to any one of claims 1 to 3.

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