JP7163030B2 - Business feasibility evaluation support device, business feasibility evaluation support method, program, and business feasibility evaluation support system - Google Patents

Description

The present invention relates to a business feasibility evaluation support device, a business feasibility evaluation support method, a program, and a business feasibility evaluation support system.

In response to the "Japan Revitalization Strategy" approved by the Cabinet in 2014, financial institutions will be appropriately evaluated for their business content and growth potential (business feasibility evaluation) in the "Fiscal 2014 Financial Monitoring Basic Policy." was asked to do so.

However, financial institutions' loan screening has traditionally focused on collateral and financial evaluation, and it is difficult to say that the business feasibility itself is properly evaluated. In fact, the current balance of loans to SMEs at credit unions and credit unions has only increased slightly, indicating the difficulty of reflecting business feasibility in loan screening.

By the way, crowdfunding (hereinafter abbreviated as CF) is spreading as a method of raising funds that can be used by start-up companies and individuals who launch new businesses (hereinafter, both are collectively referred to as fund demanders). In the five years from 2012 to 2016, the amount of financial assistance provided by CF has grown more than sixfold.

CF judges whether or not it is a CF project in which a large number of ordinary people (hereinafter referred to as investors) who wish to purchase services, products, etc., can invest by examining the fund demanders and their business contents. there is Therefore, for fund demanders, in addition to being able to raise the amount raised for CF projects that have established funds, it is possible to confirm that demand and markets exist for business content (services, products, etc.) .

For this reason, when a financial institution conducts a loan screening for a fund demander, it has been proposed to evaluate the business feasibility of the fund demander's business by referring to the financing situation of the CF used by the fund demander.

For example, Patent Literature 1 discloses an invention that provides financial institutions with an index indicating whether or not an investment in a CF project that has already been established is possible.

Japanese Patent No. 5733869

The invention described in Patent Document 1 merely provides financial institutions with an index indicating whether or not an investor can invest in a CF project that has already been completed. It is hard to say that the funding situation for unsuccessful CF projects is widely used not only by financial institutions but also by fund demanders and investors.

The present invention has been made in view of this situation, and aims to enable financial institutions, fund demanders, investors, etc., to widely utilize information on CF projects that have not been established or have not been established. .

The present application includes a plurality of means for solving at least part of the above problems, and examples thereof are as follows. In order to solve the above-described problems, a business feasibility evaluation support device according to an aspect of the present invention includes a storage unit, and receives crowdfunding project information related to a crowdfunding project provided from a crowdfunding company device. an acquiring unit that acquires investment information for the crowdfunding project from the crowdfunding company device; and the crowdfunding project selected by the financial institution device is included in the crowdfunding project information. Business plan information and fund demander information contained in said financial institution, and investor attribute information and investment status information contained in said investment information are analyzed using a predetermined algorithm to generate business feasibility evaluation information, said financial institution and a generator for supplying to the device.

The management unit can generate a list of the crowdfunding projects that match a search condition specified by the financial institution device and supply the list to the financial institution device, and the generation unit can select the financial institution device from the list. can generate the business feasibility evaluation information for the crowdfunding project selected by .

The current status information includes an achievement rate representing the ratio of the investment amount to the target amount, the business plan information includes a recruitment period, and the management unit specifies the search conditions specified by the financial institution device. When the success status is included, the success status of the crowdfunding proposal can be determined based on the achievement rate and the recruitment period, and the list can be generated.

The business plan information includes a solicitation period, and if the search condition specified by the financial institution device includes the solicitation period, the management unit performs to generate the list of crowdfunding projects.

The current status information includes an achievement rate indicating the ratio of the investment amount to the target amount, and the management unit, when the search condition specified by the financial institution device includes the achievement rate, the business status information The list of the crowdfunding proposals can be generated based on the achievement rate included in the.

The fund demander information includes a past number representing the number of times the fund demander applied for crowdfunding in the past, and the management unit includes the past number in the search condition specified by the financial institution device. If it is, the list of the crowdfunding proposals can be generated based on the past number of cases included in the fund demander information.

The management unit can generate the list of the crowdfunding projects that the same fund demander applied for in the past.

The acquisition unit can acquire the investment information from the crowdfunding company device in response to a request for the business evaluation information from the financial institution device.

The acquisition unit can acquire the investment information for the registered crowdfunding project from the crowdfunding company device at preset timing.

The management unit can supply the crowdfunding project information to the investor device.

A business feasibility evaluation support method according to another aspect of the present invention includes a receiving step of receiving crowdfunding project information relating to a crowdfunding project provided from a crowdfunding company device, and storing the crowdfunding project information in a storage unit. a registration step of registering; an acquisition step of acquiring investment information for the crowdfunding project from the crowdfunding company device; and the crowdfunding project selected by the financial institution device is included in the crowdfunding project information. a generation step of generating business feasibility evaluation information by analyzing business plan information, fund demander information, and investor attribute information and investment status information included in the investment information using a predetermined algorithm; and a supplying step of supplying the obtained business feasibility evaluation information to the financial institution device.

A program according to still another aspect of the present invention comprises a computer, a management unit that receives crowdfunding project information related to a crowdfunding project provided from a crowdfunding company device and registers it in a storage unit; an acquisition unit that acquires investment information for a project from the crowdfunding company device; business plan information and fund demander information included in the crowdfunding project information for the crowdfunding project selected by the financial institution device; Functioning as a generating unit that analyzes attribute information of the investor included in the investment information and current status information representing the investment status using a predetermined algorithm, generates business feasibility evaluation information, and supplies the information to the financial institution device. It is characterized by

A business feasibility evaluation support system according to still another aspect of the present invention includes a business feasibility evaluation support device, a crowdfunding company device used by a crowdfunding company, and a financial institution device used by a financial institution. In the support system, the business feasibility evaluation support device includes: a storage unit; a management unit that receives and registers crowdfunding project information relating to crowdfunding projects provided from a crowdfunding company device in the storage unit; an acquisition unit for acquiring investment information for a funding project from the crowdfunding company device; and business plan information and fund demanders included in the crowdfunding project information for the crowdfunding project selected by the financial institution device a generation unit that analyzes the information, the attribute information of the investor included in the investment information, and the current status information representing the investment status using a predetermined algorithm, generates business feasibility evaluation information, and supplies the information to the financial institution device; The crowdfunding company device includes a providing unit that receives applications for crowdfunding projects from fund demanders and provides the crowdfunding project information to the business feasibility evaluation support device, and a request from the business feasibility evaluation support device. and a notification unit that notifies the investment information for the crowdfunding project in response to the request, and the financial institution device includes a request unit that requests the business feasibility evaluation support device for the business feasibility evaluation information. It is characterized by

According to the present invention, financial institutions, fund demanders, investors, and the like can widely utilize information on unfinished or unfinished CF projects.

Problems, configurations, and effects other than those described above will be clarified by the following description of the embodiments.

BRIEF DESCRIPTION OF THE DRAWINGS It is a figure which shows the structural example of the whole business feasibility evaluation support system which is one embodiment which concerns on this invention. It is a block diagram which shows the structural example of a business feasibility evaluation support apparatus. It is a figure which shows an example of the data structure of CF company TBL. It is a figure which shows an example of the data structure of financial institution TBL. It is a figure which shows an example of the data structure of CF case DB. It is a figure which shows an example of the data structure of fund demander DB. It is a figure which shows an example of the data structure of investor DB. It is a figure which shows an example of the data structure of analysis result DB. 2 is a block diagram showing a configuration example of a CF enterprise device; FIG. It is a figure which shows an example of the data structure of end case DB. 1 is a block diagram showing a configuration example of a financial institution device; FIG. It is a figure which shows an example of the data structure of business evaluation information DB. FIG. 4 is a sequence diagram illustrating an example of processing by the business feasibility evaluation support system; FIG. 11 is a flowchart illustrating an example of CF item registration processing; FIG. FIG. 11 is a flowchart illustrating an example of investor registration processing; FIG. It is a flow chart explaining an example of investment information acquisition processing. It is a flow chart explaining an example of business evaluation information presenting processing. FIG. 11 is a diagram showing a display example of a CF item list screen; FIG. 10 is a diagram showing a display example of a business feasibility evaluation information browsing screen; FIG. 10 is a diagram showing a display example of a business feasibility evaluation data reference screen; FIG. 10 is a diagram showing a display example of a list request screen; It is a block diagram which shows the structural example of a computer.

An embodiment according to the present invention will be described below with reference to the drawings. Note that, in principle, the same members are denoted by the same reference numerals in all the drawings for describing one embodiment, and repeated description thereof will be omitted. In addition, in the following embodiments, the constituent elements (including element steps, etc.) are not necessarily essential, unless otherwise specified or clearly considered essential in principle. Needless to say. In addition, when saying "consisting of A", "consisting of A", "having A", or "including A", other elements are excluded unless it is explicitly stated that only those elements are included. It goes without saying that it is not something to do. Similarly, in the following embodiments, when referring to the shape, positional relationship, etc. of components, etc., unless otherwise specified or in principle clearly considered otherwise, the shape is substantially the same. It shall include things that are similar or similar to, etc.

<Configuration example of a business feasibility evaluation support system that is an embodiment according to the present invention>
FIG. 1 shows a configuration example of a business feasibility evaluation support system that is an embodiment according to the present invention.

The business feasibility evaluation support system includes a business feasibility evaluation support device 10 connected to the Internet 1, one or more CF company devices 20, one or more investor devices 30, one or more financial institution devices 40, and It consists of one or more fund demander devices 50 . In the embodiment described below, it is assumed that a plurality of CF enterprise devices 20, investor devices 30, financial institution devices 40, and fund demander devices 50 are present.

The business feasibility evaluation support device 10 consists of a server computer or a general computer. The business feasibility evaluation support device 10 is based on CF project information and investment information provided from a plurality of CF company devices 20, and a fund demander who has applied for a CF project plans to implement it with funds collected from investors. business), and provides the generated business feasibility evaluation information to a plurality of financial institutions. A configuration example of the business feasibility evaluation support device 10 will be described later.

The CF company device 20 consists of a server computer and general computers. The CF enterprise device 20 is used in a CF enterprise. In response to an application for CF from a fund demander, the business plan of the CF project is disclosed on a website or the like, investors are solicited, and the investment collected from the investors is collected. Supply to those who demand funds.

In addition, the CF enterprise device 20 provides the business feasibility evaluation support device 10 with CF case information. The CF project information includes business plan information representing the details of the business planned by the fund demander using the funds collected by the CF, and attribute information of the fund demander. Furthermore, the CF company device 20 supplies investment information in response to a request from the business feasibility evaluation support device 10 . The investment information includes current status information representing the investment status of the CF project from the investor, and attribute information of the investor. A configuration example of the CF enterprise device 20 will be described later.

The contributor device 30 consists of a general computer such as a PC, smart phone, tablet, or the like. The contributor device 30 is used by contributors. The investor connects to the CF company device 20 and the business feasibility evaluation support device 10 using the investor device 30, browses information on CF projects for which the CF company is seeking investors, and prepares the business plan of the fund demander. Decide whether or not to invest.

The financial institution device 40 consists of a server computer or a general computer. A financial institution device 40 is used in a financial institution. The financial institution device 40 can connect to the business feasibility evaluation support device 10 and acquire CF project information and business feasibility evaluation information for the business of the CF project. In addition, the financial institution device 40 can conduct loan screening for the fund demander based on the business feasibility evaluation information.

The fund demander device 50 is composed of a general computer such as a PC, smart phone, tablet, or the like. The fund demander device 50 is used by a fund demander who wants to use CF. The fund demander can use the fund demander device 50 to connect to the CF enterprise device 20 and apply for CF.

Next, FIG. 2 shows a configuration example of the business feasibility evaluation support device 10. As shown in FIG. The business feasibility evaluation support device 10 has a control unit 11 , a storage unit 12 and a communication unit 13 .

The control unit 11 comprehensively controls each processing and function by the business feasibility evaluation support device 10 . The control unit 11 has an authentication unit 111 , a CF project management unit 112 , a CF project information analysis unit 113 , an investment information acquisition unit 114 , a current situation information processing unit 115 , an attribute information processing unit 116 and a business feasibility evaluation unit 117 .

The authentication unit 111 determines whether access to the business feasibility evaluation support device 10 is permitted from other devices (the CF company device 20, the investor device 30, the financial institution device 40, etc.). Also, the authentication unit 111 registers the user of another device in the business feasibility evaluation support device 10 . For example, the authentication unit 111 accesses the business feasibility evaluation support device 10 using the investor device 30, receives the registration of an investor who wishes to view the CF project information, and stores the attribute information of the investor in the storage unit 12. is registered in the investor DB 125 of

The CF case management unit 112 (corresponding to the management unit of the present invention) manages CF case information provided from the CF company device 20 . Specifically, the CF case management unit 112 receives CF case information, registers it in the CF case DB 123 of the storage unit 12, or publishes it on the website. Furthermore, the CF case management unit 112 supplies a list of CF cases registered in the CF case DB 123 to the investor device 30 and the financial institution device 40 .

CF project information includes business plan information (project name, business outline, fund type, applicant ID, application date, solicitation amount, fee rate, solicitation start date, solicitation end date, etc.) and fund demander information (applicant name , address, contact information, number of CF applications in the past, etc.).

The CF item information analysis unit 113 analyzes the CF item information and records the analysis result in the analysis result DB 126 of the storage unit 12 . For example, the CF project information analysis unit 113 analyzes the business plan information included in the CF project information, classifies the business category to identify other similar CF projects, or identifies other CF projects that are similar to each other. The information is analyzed to identify the CF projects that the fund demander applied for in the past. Note that category information may be included in the business plan information in advance.

The investment information acquisition unit 114 (corresponding to the acquisition unit of the present invention) requests investment information from the CF company device 20 at a preset predetermined timing (for example, once a day at a predetermined time), and receives this request. Get the contribution information supplied according to The current status information processing unit 115 registers the current status information (the current investment amount, the number of investment units, the achievement rate, etc. for the CF project) included in the investment information in the CF project DB 123 .

The attribute information processing unit 116 registers investor attribute information (sex, age, address, number of times of investment, etc.) included in the investment information in the investor DB 125 of the storage unit 12 . In addition, the attribute information processing unit 116 analyzes investor attribute information. For example, the attribute information processing unit 116 calculates the male/female composition and age composition of the investors in the CF project, and totals the place of residence, the number of times of investment, and the like. Furthermore, the attribute information processing unit 116 records the analysis result of the investor's attribute information in the analysis result DB 126 of the storage unit 12 .

The business feasibility evaluation unit 117 (corresponding to the generation unit of the present invention) generates CF project information and investment information for CF projects that have been established, have not been established (during the investor solicitation period), and have not been established (the investor solicitation period has ended). Using the analysis result of 1, business feasibility evaluation information is generated according to a predetermined algorithm, and the generated business feasibility evaluation information is supplied to the financial institution device 40 . For example, the business feasibility evaluation unit 117 generates business feasibility evaluation information including evaluation ranks and future prospects for CF projects.

The storage unit 12 stores a CF company TBL (table) 121, a financial institution TBL 122, a CF project DB (database) 123, a fund demander DB 124, an investor DB 125, an analysis result DB 126, and a temporary storage file 127.

Information about the CF company is recorded in the CF company TBL 121 . Information for each branch of a financial institution is recorded in the financial institution TBL 122 . Information on CF cases is recorded in the CF case DB 123 . Information about the fund demander is recorded in the fund demander DB 124 . Information on investors is recorded in the investor DB 125 . Analysis results of CF project information and investment information are recorded in the analysis result DB 126 . In the temporary storage file 127, the business feasibility evaluation information of the CF project supplied to the financial institution device 40 is temporarily recorded, and is stored at a predetermined timing (for example, immediately after transmission to the financial institution device 40, once a day). time, etc.).

The communication unit 13 communicates with the CF company device 20, the investor device 30, the financial institution device 40, and the like via the Internet 1. FIG. Each functional unit of the control unit 11 communicates various information with other devices via the communication unit 13 .

The authentication unit 111, the CF project management unit 112, the CF project information analysis unit 113, the investment information acquisition unit 114, the current situation information processing unit 115, the attribute information processing unit 116, and the business feasibility evaluation unit 117 included in the control unit 11, All or part of the CF company TBL 121, financial institution TBL 122, CF project DB 123, fund demander DB 124, investor DB 125, analysis result DB 126, and temporary storage file 127 stored in the storage unit 12 are stored on a so-called cloud server. You may arrange it.

FIG. 3 shows an example of the data structure of the CF company TBL121. The CF company TBL 121 is provided with a company ID field 1211, a company name field 1212, an address field 1213, a contact field 1214, a password field 1215 and the like for recording information on the CF company.

The company ID field 1211 records a company ID assigned as an identifier to the CF company. The company name field 1212 records the company name of the CF company. The address field 1213 records the address of the CF company. The contact information field 1214 records the contact information (person in charge, telephone number, FAX number, e-mail address, etc.) of the CF company. In the PIN number field 1215, a PIN number is recorded when the CF company device 20 used in the CF company accesses the business feasibility evaluation support device 10. FIG.

FIG. 4 shows an example of the data structure of the financial institution TBL 122. As shown in FIG. Financial institution TBL 122 contains a financial institution code field 1221, a branch code field 1222, a financial institution name field 1223, a branch name field 1224, an address field 1225, a contact field 1226, a sales An area field 1227, a password field 1228, and the like are provided.

The financial institution code field 1221 records the financial institution code given to the financial institution. The branch code field 1222 records the branch code given to the branch of the financial institution. The financial institution name field 1223 records the name of the financial institution. The branch name field 1224 records the name of the branch. The address field 1225 records the address of the branch. The contact information field 1226 records the contact information (person in charge, telephone number, FAX number, e-mail address, etc.) of the branch. The business area field 1227 records the business area of the branch. A personal identification number field 1228 records a personal identification number used when the financial institution device 40 used at the branch office accesses the business feasibility evaluation support device 10 .

FIG. 5 shows an example of the data structure of the CF case DB 123. As shown in FIG. The CF case DB 123 has a case ID field 1231, a case name field 1232, a case summary field 1233, an applicant ID field 1234, an application date field 1235, a solicited amount field 1236, and a commission rate field 1237 in order to record information about CF cases. , solicitation start date field 1238, solicitation end date field 1239, fund type field 12310, investment amount field 12311, investment unit number field 12312, company ID field 12313, and the like are provided.

In the case ID field 1231, a case ID assigned as an identifier to the CF case is recorded. The project name field 1232 records the name of the CF project. The project summary field 1233 records the summary of the CF project. This summary also includes information on the details of returns to investors (discount sales of products, dividends, etc.). The applicant ID field 1234 records the applicant ID given to the applicant (fund demander) who applied for the CF project. The application date field 1235 records the date when the applicant applied for the CF case. The solicited amount field 1236 records the solicited amount of the CF project. The commission rate field 1237 records the CF company's commission rate for the solicited amount of the CF project. The solicitation start date field 1238 records the solicitation start date of the CF project. The solicitation end date field 1239 records the solicitation end date of the CF project. The fund type field 12310 records the fund type of the CF project (donation type, purchase type, investment type, etc.). The investment amount field 12311 records the total amount of investment from each investor for the CF project. The investment unit number field 12312 records the investor ID and the investment unit number of each investor for the CF project. The CF company ID field 12313 records the company ID of the CF company to which the CF project has been applied.

FIG. 6 shows an example of the data structure of the fund demander DB 124. As shown in FIG. Applicant ID field 1241, corporate individual type field 1242, applicant name field 1243, address field 1244, contact A destination field 1245, a password field 1246, and the like are provided. Further, the fund demander DB 124 is provided with an application serial number field 1247, an application ID field 1248, an application date field 1249, and the like, in order to record information on the CF project applied for by the applicant. The application sequence number field 1247 to the application date field 1249 are provided for the number of CF projects applied for by the applicant.

Applicant ID field 1241 records an applicant ID given as an identifier to the applicant who applied for the CF project. The corporate individual type field 1242 records the applicant's type (corporation or individual). Applicant name field 1243 records the name of the applicant. Address field 1244 records the applicant's address. The contact information field 1245 records the applicant's contact information (person in charge (in the case of a corporation), telephone number, FAX number, e-mail address, etc.). A personal identification number field 1246 records a personal identification number when the applicant accesses the business feasibility evaluation support device 10 using the fund demander device 50 .

The application serial number field 1247 records the application serial number assigned to the application for the CF case by the applicant. The matter ID field 1248 records the matter ID of the CF matter corresponding to the application serial number. The application date field 1249 records the application date of the CF case corresponding to the application serial number.

FIG. 7 shows an example of the data structure of the investor DB 125. As shown in FIG. Investor DB 125 has investor ID field 1251, investor name field 1252, address field 1253, contact information field 1254, sex field 1255, age field 1256, password field 1257, etc. in order to record investor attribute information. is provided. In addition, the investor DB 125 is provided with a project ID field 1258, an application date field 1259, a settlement information field 12510, and the like, in order to record information on the CF project for which the investor applied for investment. Note that the case ID field 1258 to settlement information field 12510 are provided for the number of CF cases for which the investor has applied for investment.

The investor ID field 1251 records the investor ID assigned to the investor as an identifier. The investor name field 1252 records the name of the investor. The address field 1253 records the address of the investor. The contact information field 1254 records the contact information (telephone number, FAX number, e-mail address, etc.) of the investor. The sex field 1255 records the sex of the contributor. Age field 1256 records the age of the contributor. In the PIN number field 1257, the PIN code used when the investor accesses the business evaluation support device 10 using the investor device 30 is recorded.

The project ID field 1258 records the project ID of the CF project for which the investor has applied for investment. The application date field 1259 records the date when the investor applied for investment in the CF project. The settlement information field 12510 records the settlement information (credit card information, etc.) of the investor.

FIG. 8 shows an example of the data structure of the analysis result DB 126. As shown in FIG. In the analysis result DB 126, in order to record analysis results of CF project information by the CF project information analysis unit 113 and analysis results of investor attribute information by the attribute information processing unit 116, etc., a project ID field 1261, an analysis date field 1262, An analysis item field 1263, an analysis result field 1264, and the like are provided. Analysis item fields 1263 and analysis result fields 1264 are provided for the number of analysis items.

The matter ID field 1261 records the matter ID of the analyzed CF matter. The date of analysis is recorded in the analysis date field 1262 . In the analysis item field 1263, analysis items of CF project information and investment information are recorded. For example, the analysis items may include the number of CF projects for each category, the achievement rate of each CF project, and the aggregated results of attributes of investors in each CF project. The analysis result field 1264 records the analysis result of the analysis item recorded in the analysis item field 1263 .

Next, FIG. 9 shows a configuration example of the CF enterprise device 20. As shown in FIG. The CF enterprise device 20 has a control section 21 , a storage section 22 and a communication section 23 .

The control unit 21 comprehensively controls each process and function by the CF company device 20 . The control unit 21 has a CF project reception examination unit 211 , a contribution reception unit 212 , a business fund management unit 213 , a CF project information provision unit 214 , and a contribution information provision unit 215 .

The CF case acceptance examination unit 211 receives and examines CF cases applied by fund demanders, and registers the corresponding CF case information (business plan information and fund demander information) in the CF case DB 221 of the storage unit 22 . .

The investment reception unit 212 receives an application for investment from an investor in the CF project, and registers the investor's attribute information, investment amount, etc. in the investor DB 223 of the storage unit 22 .

The business fund management unit 213 manages capital contributions from investors to established CF projects, and lending and repayment of funds to fund demanders.

The CF project information providing unit 214 (corresponding to the providing unit of the present invention) provides CF project information to the business feasibility evaluation support device 10 . The investment information providing unit 215 (corresponding to the notification unit of the present invention) provides investment information (current status information and investor attribute information) regarding the CF project in response to a request from the business feasibility evaluation support device 10 .

The storage unit 22 stores a CF case DB 221 , a fund demander DB 222 , an investor DB 223 , and a finished case DB 224 .

The CF case DB 221 records information about CF cases applied for by fund demanders. Note that the data structure of the CF case DB 221 is the same as the data structure of the CF case DB 123 in the business feasibility evaluation support device 10 (FIG. 5), so the description thereof will be omitted.

Information about the fund demander is recorded in the fund demander DB 222 . Note that the data structure of the fund demander DB 222 is the same as the data structure of the fund demander DB 124 (FIG. 6) in the business feasibility evaluation support device 10, so the description thereof will be omitted.

Information about the investor is recorded in the investor DB 223 . Note that the data structure of the investor DB 223 is the same as the data structure of the investor DB 125 (FIG. 7) in the business feasibility evaluation support device 10, so a description thereof will be omitted.

Information relating to CF projects for which the solicitation period for investors has ended is recorded in the terminated project DB 224 . The data structure of the finished matter DB 224 will be described later.

The communication unit 23 communicates with the business feasibility evaluation support device 10 , the investor device 30 , the financial institution device 40 , the fund demander device 50 and the like via the Internet 1 . Each functional unit of the control unit 21 communicates various information with other devices via the communication unit 23 .

In addition, the CF project reception screening unit 211, the investment reception unit 212, the business fund management unit 213, the CF project information providing unit 214, and the investment information providing unit 215 included in the control unit 21, the CF project DB 221 stored in the storage unit 22, All or part of the fund demander DB 222, investor DB 223, and closed case DB 224 may be arranged on a so-called cloud server.

FIG. 10 shows an example of the data structure of the finished case DB 224. As shown in FIG. In order to record information about CF projects for which the investor solicitation period has ended, the finished project DB 224 includes a project ID field 2241, a success/failure flag field 2242, a business fund payment date field 2243, an affiliated flag field 2244, and an affiliated financial institution. A field 2245, a tie-up amount field 2246, an applicant ID field 2247, a return flag field 2248, a return execution date field 2249, an achievement rate field 22410, and the like are provided.

The project ID field 2241 records the project ID assigned to the CF project for which the investor solicitation period has ended. The success/failure flag field 2242 records a flag indicating whether or not the CF case has been established. The business fund payment date field 2243 records the date of payment of the invested business funds when the CF case is a successful CF case. The partnership flag field 2244 stores a flag indicating whether or not the financial institution cooperates to finance the CF project. The affiliated financial institution field 2245 records the financial institution code of the financial institution that provides financing in partnership with the CF project. Affiliate amount field 2246 records the amount financed by the affiliated financial institution. Applicant ID field 2247 records an applicant ID representing the applicant of the CF matter. A return flag field 2248 records a flag indicating whether or not a return (delivery of goods, payment of dividends, etc.) to the investor of the CF project has been completed. The return execution date field 2249 records the execution date or scheduled execution date of the return. The achievement rate field 22410 records the achievement rate (ratio of investment amount to solicited amount) when the CF project is unsuccessful.

Next, FIG. 11 shows a configuration example of the financial institution device 40. As shown in FIG. The financial institution device 40 has a control section 41 , a storage section 42 , a communication section 43 , a display section 44 and an input section 45 .

The control unit 41 comprehensively controls each process and function by the financial institution device 40 . The control unit 41 has an examination unit 411 and a business feasibility evaluation information acquisition unit 412 .

The examination unit 411 examines whether or not financing is possible for the fund demander. The business feasibility evaluation information acquisition unit 412 (corresponding to the request unit of the present invention) acquires the business feasibility evaluation information supplied from the business feasibility evaluation support device 10 and registers it in the business feasibility evaluation information DB 422 of the storage unit 42 .

The storage unit 42 stores a CF case DB 421 and a business feasibility evaluation information DB 422 .

The CF case DB 421 records information about CF cases browsed using the financial institution device 40 . Note that the data structure of the CF case DB 421 is the same as the data structure of the CF case DB 123 (FIG. 5) in the business feasibility evaluation support device 10, so the explanation thereof will be omitted.

Business feasibility evaluation information supplied from the business feasibility evaluation support device 10 is recorded in the business feasibility evaluation information DB 422 . The data structure of the business feasibility evaluation information DB 422 will be described later.

The communication unit 43 communicates with the business feasibility evaluation support device 10, the CF enterprise device 20, and the like via the Internet 1. FIG. Each functional unit of the control unit 41 communicates various information with other devices via the communication unit 43 .

The display unit 44 displays a screen such as business feasibility evaluation information. The display unit 44 is composed of, for example, a liquid crystal display.

The input unit 45 receives a user's operation. The input unit 45 is composed of, for example, a keyboard, a mouse, and the like.

All or part of the examination unit 411 and business feasibility evaluation information acquisition unit 412 of the control unit 41 and the CF case DB 421 and business feasibility evaluation information DB 422 stored in the storage unit 42 are arranged on a so-called cloud server. You may make it

FIG. 12 shows an example of the data structure of the business feasibility evaluation information DB 422. As shown in FIG. The business feasibility evaluation information DB 422 includes a project ID field 4221, an information acquisition date field 4222, a solicited amount field 4223, a current amount field 4224, an investment unit number field 4225, an achievement rate field 4226, an evaluation rank field 4227, a future prospect field 4228, and the like. is provided.

The project ID field 4221 records the project ID of the CF project corresponding to the business feasibility evaluation information. The information acquisition date field 4222 records the date when the business feasibility evaluation information was acquired from the business feasibility evaluation support device 10 . The solicited amount field 4223 records the solicited amount of the CF project. The current amount field 4224 records the investment amount as of the information acquisition date. The number of investment units field 4225 records the number of investment units as of the information acquisition date. The achievement rate field 4226 records the achievement rate (the ratio of the investment amount to the solicitation amount) as of the information acquisition date. An evaluation rank is recorded in the evaluation rank field 4227 . The future forecast field 4228 records the future forecast.

<Flow of processing by business feasibility evaluation support system>
Next, the flow of processing by the business feasibility evaluation support system will be described. FIG. 13 is a sequence diagram illustrating an example of processing by the business feasibility evaluation support system.

First, a fund demander connects to the CF enterprise device 20 using the fund demander device 50 for the purpose of procuring funds for a new business or the like, and applies for CF (step S1). At this time, the fund demander device 50 transmits CF project information including business plan information and fund demander information to the CF enterprise device 20 .

In the CF enterprise device 20, the matter reception examination section 211 receives the CF matter information and examines whether or not the fund demander meets the application qualifications. Then, when the fund demander meets the application qualifications, etc., the CF project information providing unit 214 of the CF company device 20 provides the CF project information to the business feasibility evaluation support device 10 . In the business feasibility evaluation support device 10, the CF case management unit 112 receives the CF case information and registers it in the CF case DB 123 (step S2). Also, the CF case information analysis unit 113 starts analyzing the CF case information registered in the CF case DB 123 . Details of the processing in step S2 will be described later with reference to FIG.

By registering the CF case information in the CF case DB 123 , the business feasibility evaluation support device 10 can thereafter disclose the CF case to the investor device 30 and the financial institution device 40 .

Next, when the investor accesses the business feasibility evaluation support device 10 using the investor device 30 for the purpose of viewing the CF case, the business feasibility evaluation support device 10 undergoes the investor authentication process by the authentication unit 111. After that, the CF cases registered in the CF case DB 123 are disclosed to the investor device 30 . Thereby, investor device 30 can view the CF case (step S3). Note that investor registration processing including investor authentication processing by the authentication unit 111 will be described later with reference to FIG. 15 .

Next, when an investor who has browsed the CF projects disclosed by the business feasibility evaluation support device 10 finds a CF project that has business potential and future potential and can be expected to return, the investor device 30 is used. and connect to the CF company device 20, and apply for investment in the CF project (step S4).

This application for investment is accepted by the investment reception unit 212 of the CF company device 20 . Then, the investment receiving unit 212 updates the record of the current amount field and the number of investment units field of the CF case corresponding to the investment application in the CF case DB 221 . Furthermore, the investment reception unit 212 registers the attribute information of the investor who applied for investment in the investor DB 223 .

Next, the investment information acquisition unit 114 of the business feasibility evaluation support device 10 periodically acquires the investment information related to the CF projects registered in the CF project DB 123 from the CF company device 20 (step S5). Note that the process of acquiring investment information in step S5 will be described later with reference to FIG.

In the business feasibility evaluation support device 10 that has acquired the investment information, the current status information processing unit 115 updates the current investment amount and the number of investment units related to the CF project in the CF project DB 123 based on the current status information included in the investment information. The current status information is analyzed and the analysis results are registered in the analysis result DB 126 . Further, the attribute information processing unit 116 registers the attribute information of the investor included in the investment information in the investor DB 125, analyzes the attribute information of the investor, and registers the analysis result in the analysis result DB 126 (step S6). ).

After that, the financial institution accesses the business feasibility evaluation support device 10 using the financial institution device 40 for the purpose of finding CF projects to be financed and investment demanders. Browse the list of CF projects registered in . Then, when the financial institution selects one CF case from the browsed list of CF cases, the business feasibility evaluation unit 117 of the business feasibility evaluation support device 10 generates business feasibility evaluation information of the CF case, It is supplied to the financial institution device 40 together with the CF case information. In the financial institution device 40, the business feasibility evaluation information acquisition unit 412 acquires the CF project information and the business feasibility evaluation information, and displays them on the screen of the display unit 44 (step S7).

In the financial institution device 40, the examination unit 411 conducts loan examination for the CF project and the investment requester based on the business evaluation information from the business evaluation support device 10 (step S8). This is the end of the outline explanation of the flow of processing by the business feasibility evaluation support system.

<Details of CF matter registration process>
Next, FIG. 14 is a flowchart detailing an example of the CF item registration process in step S2 described above.

The CF case registration processing is executed when the business feasibility evaluation support device 10 is accessed in order for the CF company apparatus 20 to provide CF case information.

First, the authentication unit 111 of the business feasibility evaluation support device 10 refers to the CF company table 121 for the accessed CF company device 20 and performs authentication processing (step S11). Specifically, for example, based on whether or not the company ID, password, etc. notified from the CF company device 20 have been registered in the CF company table 121, it is determined whether or not the authentication is possible.

If it is determined that authentication is not possible (NG in step S11), the authentication unit 111 notifies the CF company device 20 of the fact that authentication is not possible (step S12), and starts the CF case registration process. finish. After finishing the CF case registration process, a process (similar to the investor registration process described later) may be executed to prompt the CF company to register.

Conversely, if it is determined that authentication is possible (OK in step S11), the authentication unit 111 notifies the CF company device 20 that authentication is possible, and the CF company device 20 provides The CF matter management unit 112 receives the incoming CF matter information (step S13).

Next, the CF case management unit 112 assigns a case ID to the CF case in the received CF case information, and registers the information of each item of the business plan information included in the CF case information in the CF case DB 123 (step S14). Next, the CF project management unit 112 registers information of each item in the fund demander information included in the received CF project information in the fund demander DB 124 (step S15). After that, the CF case information analysis unit 113 analyzes the CF case information registered in the CF case DB 123 (step S6 in FIG. 13).

<Details of investor registration process>
Next, FIG. 15 is a flowchart detailing an example of the investor registration process in step S3.

The investor registration process is executed when the investor device 30 accesses the business feasibility evaluation support device 10 for the purpose of viewing the CF case.

First, the authentication unit 111 of the business evaluation support device 10 refers to the investor DB 125 for the investor device 30 that has accessed, and performs authentication processing (step S21). Specifically, for example, it determines whether or not authentication is possible based on whether or not the investor ID, password, etc. notified from the investor device 30 match those registered in the investor DB 125 .

Here, if it is determined that authentication is possible (OK in step S21), the authentication unit 111 notifies the investor device 30 that authentication is possible, and terminates the investor registration process. Thereafter, the CF case management unit 112 of the business feasibility evaluation support device 10 supplies a list of CF cases registered in the CF case DB 123 to the investor device 30 determined to be certifiable.

Conversely, if it is determined that authentication is not possible (NG in step S21), the authentication unit 111 notifies the investor device 30 that authentication is not possible (step S22). Next, the authentication unit 111 determines whether or not the user (investor) of the investor device 30 has been registered in the investor DB 125 .

Specifically, for example, in step S21, although the investor ID notified from the investor device 30 exists in the investor DB 125, it is determined that authentication is not possible because the notified personal identification number does not match. In this case, the authentication unit 111 determines that the investor has already been registered in the investor DB 125 (YES in step S23), returns the process to step S21, and repeats the steps thereafter.

Further, for example, if it is determined in step S21 that the investor ID notified from the investor device 30 does not exist in the investor DB 125 and authentication is impossible, the authentication unit 111 It is determined that the person is not registered in the person DB 125 (NO in step S23), and the process proceeds to step S24.

Next, the authentication unit 111 prompts the investor device 30 to perform investor registration, and determines whether or not the investor performs investor registration (step S24). If the investor device 30 replies that the investor registration is to be performed in response to the prompting (YES in step S24), the authentication unit 111 causes the investor device 30 to input the attribute information of the investor. to obtain attribute information of the investor (step S25).

Next, the authentication unit 111 assigns the investor ID to the investor, associates it with the acquired attribute information, and records it in the investor DB 125, thereby ending the investor registration of the investor (step S26). . Thereafter, the CF case management unit 112 of the business evaluation support device 10 supplies a list of CF cases registered in the CF case DB 123 to the investor device 30 that has registered the investor.

In step S24, when investor device 30 replies that investor registration is not to be performed in response to investor registration prompt to investor device 30 (NO in step S24), authentication unit 111 End the investor registration process.

Note that, like the investor registration process described above, when it is determined that authentication is not possible because the (user of) the accessing device is unregistered, the process of prompting registration is performed by the CF device 20 other than the investor device 30. , the financial institution device 40 and the fund demander device 50 access the business feasibility evaluation support device 10.

<Details of investor information acquisition processing>
Next, FIG. 16 is a flowchart detailing an example of the processing of steps S5 and S6 described above (hereinafter referred to as investment information acquisition processing).

The investment information acquisition process is periodically executed with all CF cases registered in the CF case DB 123 being sequentially processed. Further, the investment information acquisition process is executed when there is an inquiry from the financial institution device 40 for CF projects registered in the CF project DB 123 (specifically, when one CF project is selected from the list of CF projects). case), the CF case is also executed as a processing target.

First, the investment information acquisition unit 114 of the business feasibility evaluation support device 10 requests the CF enterprise device 20 for investment information of the CF project (step S31).

In response to the request, the investment information providing unit 215 of the CF enterprise device 20 reads out the current investment amount and number of investment units for the CF project from the CF project DB 221 to generate current status information, and also reads the current status information from the investor DB 223. Read the attribute information of the investor of the CF project, and return the investment information including the current status information and the attribute information of the investor. The investment information acquisition unit 114 of the business evaluation support device 10 acquires the investment information returned from the CF company device 20, supplies the current situation information included in the investment information to the current situation information processing unit 115, and obtains the attribute information of the investor. is supplied to the attribute information processing unit 116 (step S32).

Next, based on the supplied current status information, the current status information processing unit 115 registers the current investment amount and the number of investment units related to the CF project in the CF project DB 123, analyzes the current status information, and stores the analysis results in the analysis result DB 126. Register (step S33). On the other hand, the attribute information processing unit 116 registers the supplied investor attribute information in the investor DB 125, analyzes the investor attribute information, and registers the analysis result in the analysis result DB 126 (step S34). With this, the investment information acquisition process is terminated.

<Details of business feasibility evaluation information presentation processing>
Next, FIG. 17 is a flowchart detailing an example of the business evaluation information presentation process in step S7 described above.

The business feasibility evaluation information presentation process is executed when the financial institution device 40 accesses the business feasibility evaluation support device 10 .

First, the authentication unit 111 of the business feasibility evaluation support device 10 inquires the financial institution device 40 to the financial institution TBL 122 to perform authentication processing (step S51). If it is determined that the authentication is not possible (NG), the authentication unit 111 notifies the financial institution device 40 that the authentication is not possible (step S52), and terminates the business feasibility evaluation information presentation process. do. Note that after the business evaluation information presentation process CF case registration process is completed, a process (same as the above-described investor registration process) that prompts the financial institution device 40 to register may be executed. .

Conversely, if it is determined that authentication is possible (OK in step S51), the authentication unit 111 notifies the financial institution device 40 and the CF case management unit 112 that authentication is possible.

Next, the CF case management unit 112 supplies a list of CF cases registered in the CF case DB 123 to the financial institution device 40 (step S53). This list may include all CF cases registered in the CF case DB 123 . Alternatively, after displaying a list request screen 90 (FIG. 21), which will be described later, to select a search condition, a list of CF cases registered in the CF case DB 123 narrowed down by the search conditions may be supplied. good.

FIG. 18 shows a display example of a CF case list screen 60 displayed on the display unit 44 of the financial institution device 40. As shown in FIG.

On the CF case list screen 60, various items related to CF cases registered in the CF case DB 123 of the business feasibility evaluation support device 10 (in the case of the figure, case ID, case name, sponsor name (fund demander name) name, organizer area (address of fund demander), solicitation period, solicitation amount, project summary) are displayed in a scrollable manner.

The number of items displayed on the CF item list screen 60 may be reduced (for example, only item names and item summaries may be displayed) so that more CF item information can be displayed on the screen at the same time.

Return to FIG. Next, the CF case management unit 112 waits until one CF case is selected on the CF case list screen 60 displayed on the financial institution device 40 (NO in step S54). After that, if one CF item is selected (YES in step S54), the CF item management unit 112 advances the process to step S55.

Next, the CF case management unit 112 requests the business feasibility evaluation unit 117 to generate business feasibility evaluation information for the CF case selected by the financial institution device 40 . In response to this request, the business feasibility evaluation unit 117 generates business feasibility evaluation information for the CF case, and supplies it to the financial institution device 40 together with the CF case information (step S55). In the financial institution device 40, the business feasibility evaluation information acquisition unit 412 acquires the CF project information and the business feasibility evaluation information, and causes the display unit 44 to display the business feasibility evaluation information browsing screen 70 (FIG. 19). With this, the business feasibility evaluation information presentation process is terminated.

<Display example of business feasibility evaluation information browsing screen>
Next, FIG. 19 shows a display example of a business feasibility evaluation information browsing screen 70 displayed on the display unit 44 of the financial institution device 40. As shown in FIG.

On the business feasibility evaluation information browsing screen 70, a display case ID display column 700 in which the case ID of the CF case is displayed, a business plan information display column 701, a case evaluation information display column 717, a previous case button 732, and business evaluation information reference. A button 733, a next case button 734, and a close button 735 are provided.

On the upper side of the business plan information display column 701, the sponsor area (address of the fund demander) and the solicitation period are displayed.

The organizer area is set to the address read from the applicant ID field 1234 of the applicant ID field 1234 of the CF project DB 123 by the business feasibility evaluation unit 117 and read from the address field 1244 of the record corresponding to the applicant ID of the fund demander DB 124. It is specified based on The solicitation period is specified by the business feasibility evaluation unit 117 based on the dates read from the solicitation start date field 1238 and the solicitation end date field 1239 of the CF project DB 123 .

A URL button 702 is provided on the upper side of the business plan information display column 701 . The URL button 702 is linked to a website for recruiting investors for the CF project published by the CF company to which the CF project has been applied. When the URL button 702 is pressed, the website pops up. Is displayed.

In the business plan information display field 701, a project name display field 703, a project sponsor display field 704, a reference button 705, a solicited amount display field 706, a current investment amount display field 707, and an investor number display field 708 are provided. It is

The project name display field 703 displays the name of the CF project. The name of the CF case is read from the case name field 1232 of the CF case DB 123 by the business feasibility evaluation unit 117 . The project organizer display field 704 displays the name of the organizer of the CF project (name of the fund demander). The sponsor name is obtained by reading the applicant ID from the applicant ID field 1234 of the CF project DB 123 by the business feasibility evaluation unit 117 and from the applicant name field 1243 of the record corresponding to the applicant ID of the fund demander DB 124. It is.

A reference button 705 is linked to the detailed information of the organizer of the CF item, and when the reference button 705 is pressed, the detailed information of the organizer is popped up.

The solicited amount display column 706 displays the solicited amount of the CF project. The solicited amount is read from the solicited amount field 1236 of the CF case DB 123 by the business feasibility evaluation unit 117 . The current investment amount display column 707 displays the current total amount of investment from each investor for the CF project. The investment amount is read by the business feasibility evaluation unit 117 from the investment amount field 12311 of the CF project DB 123 . The number of investors display column 708 displays the current number of investors for the CF project. The number of investors is based on information read by the business feasibility evaluation unit 117 from the investment unit number field 12312 of the CF project DB 123 .

Further, in the business plan information display column 701, a CF company name display column 709, a reference button 710, a fund type display column 711, a return content display column 712, a reference button 713, an achievement rate display column 714, a remaining days display column 715, and an item summary display column 716 are provided.

The CF company name display column 709 displays the name of the CF company to which the CF project has been applied. The CF company name is obtained by the business feasibility evaluation unit 117 reading the company ID of the CF company from the CF company ID field 12313 of the CF project DB 123 and reading it from the company name field 1212 of the record corresponding to the company ID of the CF company TBL 121. is. The reference button 710 is linked to the detailed information of the CF company to which the CF project has been applied, and when the reference button 710 is pressed, the detailed information of the CF company is popped up.

The fund form display column 711 displays the fund form of the CF project. The fund type is read by the business feasibility evaluation unit 117 from the fund type field 12310 of the CF case DB 123 . The return content display column 712 displays the return content for the investor of the CF project. The contents of the return are read from the project outline field 1233 of the CF project DB 123 by the business feasibility evaluation unit 117 .

The reference button 713 is linked to detailed information about the contents of the return, and when the reference button 713 is pressed, the detailed information is popped up. The achievement rate display column 714 displays the current achievement rate (ratio of the current amount to the solicited amount) of the CF project. The achievement rate is obtained by the business feasibility evaluation unit 117 reading the analysis result of the current situation information (calculation of the ratio of the current amount to the solicited amount) by the current situation information processing unit 115 recorded in the analysis result case DB 126 .

The remaining days display field 715 displays the number of days remaining in the solicitation period of the CF project. The number of remaining days is specified based on the date read from the solicitation end date field 1239 of the CF project DB 123 by the business feasibility evaluation unit 117 . The item outline display field 716 displays an outline of the CF item. The summary of the CF project is read from the project summary 1233 of the CF project DB 123 by the business feasibility evaluation unit 117 .

The project evaluation information display field 717 is provided with an evaluation rank display field 718, a future forecast display field 719, a same category number display field 720, a reference button 721, a sponsor's past project number display field 722, and a reference button 723. there is

In the evaluation rank display field 718, the evaluation rank of the CF project is displayed in a multi-level evaluation (in the case of FIG. 1, five-level evaluation of D, C, B, A, and S). In the future prospect display field 719, the future of the CF project is displayed in a multi-level evaluation (in the case of FIG. 1, five-level evaluation of D, C, B, A, and S). The evaluation rank and the future potential are specified by the business feasibility evaluation unit 117 according to a predetermined algorithm using the CF project information and investment information analysis results.

The same category number display column 720 displays the number of other CF cases that are registered in the CF case DB 123 of the business feasibility evaluation support device 10 and classified in the same category as the CF case. . The number of identical categories is obtained by the business feasibility evaluation unit 117 reading the analysis of the CF cases by the CF case information analysis unit 113 recorded in the analysis result case DB 126 (results of identifying and aggregating the categories of each CF case). It is.

The reference button 721 is linked to a list of other CF projects classified into the same category as the CF project, and when the reference button 721 is pressed, the list pops up.

The sponsor's past project number display column 722 displays the number of CF projects applied for in the past by the sponsor (fund demander) of the CF project. The number of cases is determined by the business feasibility evaluation unit 117 reading the applicant ID from the applicant ID field 1234 of the CF project DB 123 and specifying the number of the project ID field 1248 of the record corresponding to the applicant ID of the fund demander DB 124. is.

The reference button 723 is linked to a list of CF projects that the organizer of the CF project applied for in the past, and when the reference button 723 is pressed, the list is popped up. The list is the CF case management unit 112 reading the applicant ID from the applicant ID field 1234 of the CF case DB 123, and the cases recorded in the case ID field 1248 of the record corresponding to the applicant ID of the fund demander DB 124. It is created based on the ID.

Further, the project evaluation information display column 717 includes a gender composition display column 724, an age composition display column 725, a reference button 726, a place of residence display column 727, a reference button 728, an investment count display column 729, a reference button 730, and a detail button. 731 is provided.

The male/female ratio display column 724 displays a graph showing the male/female ratio of investors in the CF project. The age composition display column 725 displays a graph showing the ratio of the age composition of the investors of the CF project. The male/female composition ratio and the age composition ratio are obtained by the business feasibility evaluation unit 117 reading the attribute information analysis result of the investor by the attribute information processing unit 116 recorded in the analysis result case DB 126 .

The reference button 726 is linked to detailed information about the age of the investor of the CF project, and when the reference button 726 is pressed, the detailed information is popped up.

The place of residence display column 727 displays a graph representing the ratio of the top five places of residence (addresses in units of prefectures in the case of FIG. 11) with the largest number of investors in the CF project. The proportion of the place of residence is obtained by the business feasibility evaluation unit 117 reading the attribute information analysis result of the investor by the attribute information processing unit 116 recorded in the analysis result case DB 126 .

The reference button 728 is linked to the detailed information about the residential area where many investors of the CF project are located, and when the reference button 728 is pressed, the detailed information is popped up.

The number of investments display column 729 displays a graph representing the ratio of the number of times invested in the CF project by the investor of the CF project. The ratio of the number of investments is obtained by the business feasibility evaluation unit 117 reading the attribute information analysis result of the investor by the attribute information processing unit 116 recorded in the analysis result case DB 126 .

The reference button 730 is linked to the detailed information about the number of times of investment in the CF project by the investor of the CF project, and when the reference button 730 is pressed, the detailed information is popped up.

A previous case button 732 is used to browse the business feasibility evaluation information corresponding to the CF case immediately preceding the CF case in the CF case list screen 60 displayed on the display unit 44 of the financial institution device 40 in the process of step S53 described above. linked to the screen. When the previous project button 732 is pressed, the display on the display unit 44 is changed to the business feasibility evaluation information viewing screen corresponding to the previous CF project.

The business evaluation information reference button 733 is linked to the business evaluation information reference screen 80 (FIG. 20), and when the business evaluation information reference button 733 is pressed, the business evaluation information reference screen 80 pops up.

The next project button 734 is used to browse the business feasibility evaluation information corresponding to the next CF project following the CF project in the CF project list screen 60 displayed on the display unit 44 of the financial institution device 40 in the process of step S53 described above. linked to the screen. When the next project button 734 is pressed, the display on the display unit 44 is changed to the business feasibility evaluation information browsing screen corresponding to the next CF project.

When the close button 735 is pressed, the business feasibility evaluation information viewing screen 70 being displayed is closed (erased), and the CF case list screen 60 is displayed on the display unit 44 .

Next, FIG. 20 shows a display example of the business feasibility evaluation information reference screen 80. As shown in FIG.

The business feasibility evaluation information reference screen 80 is provided with radio buttons 801 and 802 , a send button 803 and a close button 804 .

Either one of the radio buttons 801 and 802 can be selected. The radio button 801 is for "request detailed business feasibility evaluation information of the current CF project", and the radio button 802 is for "enter conditions and list Request from".

When the radio button 801 is selected from the radio buttons 801 and 802 and the send button 803 is pressed, the evaluation rank displayed in the project evaluation information display field 717 of the business feasibility evaluation information viewing screen 70 for the CF project. More detailed business feasibility evaluation information (for example, results of comparison between the CF project and other similar CF projects) is displayed.

When the radio button 802 is selected from among the radio buttons 801 and 802 and the send button 803 is pressed, a list request screen 90 (FIG. 21) for inputting search conditions for CF items is displayed.

When the close button 804 is pressed, the business feasibility evaluation information reference screen 80 being displayed is closed (erased), and the business feasibility evaluation information viewing screen 70 is displayed on the display unit 44 .

Next, FIG. 21 shows a display example of a list request screen 90 for inputting search conditions for CF items.

The list request screen 90 is provided with radio buttons 901 to 906 , a clear button 907 , a create list button 908 and a close button 909 .

A radio button 901 is used to select the establishment status as a CF case search condition. In the example shown in FIG. . In order to extract successful projects among the CF projects recorded in the CF project DB 123, the ratio (achievement rate) of the amount recorded in the investment amount field to the amount recorded in the solicitation amount field 1236 is calculated. is 100% or more. To extract unsuccessful projects among the CF projects recorded in the CF project DB 123, the ratio (achievement rate) of the amount recorded in the investment amount field to the amount recorded in the solicitation amount field 1236 is calculated. is less than a predetermined percentage (usually 100%) and the date recorded in the recruitment end date field 1239 has passed.

A radio button 902 is used to select a solicitation period as a CF item search condition, and in the example shown in FIG.

The radio button 903 is for selecting the achievement rate as a CF item search condition, and in the example shown in FIG. Less than %, 100% or more, or designation of achievement rate can be selected. In addition, when achievement rate designation is selected, the achievement rate can be specifically input.

Radio buttons 904 are used to select categories as search conditions for CF projects. Transportation/communications, wholesale/retail, restaurant business, finance/insurance, real estate, service industry, or others can be selected. Although the CF item information analysis unit 113 classifies the CF items into categories based on the outline of the items, the CF companies may classify the CF items in advance.

A radio button 905 is used to select the area of the project organizer (finance demander) as a CF project search condition. , Chugoku/Shikoku, Kyushu, Okinawa, or address code input can be selected. When the address code input is selected, a plurality of address codes can be input in the address code input field 9051 by separating them with "," or the like, thereby specifying the area of the project organizer.

A radio button 906 is used to select the number of CF projects that the project sponsor applied for in the past as a CF project search condition. can be selected.

A clear button 907 is for clearing the selection of the radio buttons 901 to 906. When the clear button 907 is pressed, none of the radio buttons 901 to 906 is selected.

A create list button 908 is for requesting creation of a CF case list screen. is generated by the CF case management unit 112 and supplied to the financial institution device 40 , and a new CF case list screen 60 is displayed on the display unit 44 .

When the close button 909 is pressed, the list request screen 90 being displayed is closed (erased), and the business feasibility evaluation information reference screen 80 is displayed on the display unit 44 .

In the financial institution device 40, by selecting the CF project again from the displayed CF project list screen 60, the business feasibility evaluation information viewing screen 70 corresponding to the selected CF project can be displayed.

Therefore, financial institutions can obtain the business feasibility evaluation information viewing screen 70 not only for completed CF deals, but also for unfinished or unsuccessful CF deals, as well as for CF deals that meet various conditions. It becomes possible to find promising CF projects and fund demanders.

<Summary>
As described above, the business feasibility evaluation support device 10 presents a large number of CF projects collected from a plurality of CF companies to a plurality of financial institutions, thereby providing business funds, working capital, etc. to fund demanders. You can solicit financial institutions to lend. In addition, financial institutions can be provided with useful business feasibility evaluation information in their loan screening.

Further, the business feasibility evaluation support device 10 can provide not only the business feasibility evaluation information for the CF project but also the attribute information of the investor to the financial institution.

In addition, the business feasibility evaluation support device 10 aims to support a CF project that may lead to the launch of a new business by providing a loan from a financial institution, although the investment amount has not reached the solicitation amount. For financial institutions that are interested in a CF project, the CF project that the applicant of the CF project has applied for in the past, other CF projects similar to the CF project (belonging to the same category), and the attributes of the investor It is also possible to provide analysis results, attribute information of fund demanders, and the like. The financial institution that obtains this information may directly contact applicants for CF deals that have not reached the amount solicited.

In addition, when a person seeking financing comes for a loan consultation, financial institutions may not be eligible for a loan (cannot provide credit) in the conventional loan screening (granting of credit), or may If it is not possible to make a full loan to the fund, we will encourage the fund demander to use the CF company or introduce the CF company to obtain business feasibility evaluation information as a CF project and then refinance. can be examined. In this case, it becomes possible for a fund demander to start a business by procuring funds through CF that are insufficient for the credit amount (loan amount) of a financial institution.

Furthermore, the business feasibility evaluation support device 10 may provide not only financial institutions but also investors with information such as the success or failure of past CF projects by the same fund demander and the return record. In that case, the investor can decide whether to invest based on the success or failure of past CF projects by the same fund demander.

In addition, the investor can expect an increase in the amount of returns received because the possibility of realizing the business supported by the fund demander smoothly raises funds.

Fund-demanders can expect to raise funds not only from CF but also from financial institutions.

CF companies will have more opportunities to collaborate on projects with non-affiliated financial institutions. In addition, it can be expected that CF projects, which have not reached the target amount and have not been established in the past, will be established with the support of financial institutions.

By the way, the business feasibility evaluation support device 10, the CF company device 20, and the financial institution device 40 described above can be configured by hardware or realized by software. When the business feasibility evaluation support device 10 or the like is realized by software, a program that constitutes the software is installed in a computer. Here, the computer includes, for example, a computer built into dedicated hardware and a general-purpose personal computer capable of executing various functions by installing various programs.

FIG. 22 is a block diagram showing a configuration example of hardware of a computer that implements the business feasibility evaluation support device 10 and the like by a program.

In this computer 1000 , a CPU (Central Processing Unit) 1001 , a ROM (Read Only Memory) 1002 and a RAM (Random Access Memory) 1003 are interconnected by a bus 1004 .

An input/output interface 1005 is further connected to the bus 1004 . An input unit 1006 , an output unit 1007 , a storage unit 1008 , a communication unit 1009 and a drive 1010 are connected to the input/output interface 1005 .

The input unit 1006 includes a keyboard, mouse, microphone, etc., and functions as the input unit 312 (FIG. 3). The output unit 1007 includes a display, a speaker, etc., and functions as the display unit 313 (FIG. 3).

The storage unit 1008 is composed of an HDD, SSD, etc., and functions as a storage unit for the business feasibility evaluation support device 10 and the like. A communication unit 1009 includes a LAN I/F and a Wi-Fi I/F, and functions as a communication unit of the business feasibility evaluation support device 10 and the like. A drive 1010 drives a removable medium 1011 such as a magnetic disk, optical disk, magneto-optical disk, or semiconductor memory.

In the computer 1000 configured as described above, the CPU 1001 loads, for example, a program stored in the storage unit 1008 into the RAM 1003 via the input/output interface 1005 and the bus 1004, and executes it, thereby increasing business feasibility. A control unit such as the evaluation support device 10 is realized.

A program executed by the computer 1000 (CPU 1001) can be provided by being recorded on a removable medium 1011 such as a package medium, for example. Also, the program can be provided via a wired or wireless transmission medium such as a local area network, the Internet, or digital satellite broadcasting.

In computer 1000 , programs can be installed in storage unit 1008 via input/output interface 1005 by loading removable medium 1011 into drive 1010 . Also, the program can be received by the communication unit 1009 and installed in the storage unit 1008 via a wired or wireless transmission medium. In addition, programs can be installed in the ROM 1002 and the storage unit 1008 in advance.

Note that the program executed by the computer 1000 may be a program in which processing is performed in chronological order according to the order described in this specification, or a program in which processing is performed in parallel or at a required timing such as when a call is made. It may be a program in which processing is performed in

The effects described herein are only examples and are not limiting, and other effects may be present.

The present invention is not limited to the above-described embodiments, and includes various modifications. For example, each of the above-described embodiments has been described in detail in order to explain the present invention in an easy-to-understand manner, and the present invention is not necessarily limited to those having all the described components. Also, part of the configuration of one embodiment can be replaced with the configuration of another embodiment, and the configuration of another embodiment can be added to the configuration of one embodiment. Moreover, it is possible to add, delete, or replace part of the configuration of each embodiment with another configuration.

Further, each of the above configurations, functions, processing units, processing means, and the like may be realized by hardware, for example, by designing them in an integrated circuit. Moreover, each of the above configurations, functions, etc. may be realized by software by a processor interpreting and executing a program for realizing each function. Information such as programs, tables, and files that implement each function can be stored in storage devices such as memories, hard disks, SSDs (Solid State Drives), or recording media such as IC cards, SD cards, and DVDs. Further, the control lines and information lines indicate those considered necessary for explanation, and not all control lines and information lines are necessarily indicated on the product. In practice, it may be considered that almost all configurations are interconnected.

DESCRIPTION OF SYMBOLS 1... Internet, 10... Business possibility evaluation support apparatus, 11... Control part, 12... Storage part, 13... Communication part, 20... CF company apparatus, 21... Control Unit 22 Storage unit 23 Communication unit 30 Investor device 40 Financial institution device 41 Control unit 42 Storage unit 43 Communication unit 44 Display unit 50 Fund demander device 60 Item list screen 70 Business feasibility evaluation information viewing screen 80 Business feasibility evaluation information reference screen 90 List request screen 111 Authentication unit 112 Project management unit 113 Project information analysis unit 114 Investment information acquisition unit 115 Current status information processing unit 116 Attribute information processing unit 117 Business feasibility evaluation unit 118 Investor registration unit 121 Company table 127 Temporary storage file 211 Item reception screening unit 212 ... investment reception unit, 213 ... business fund management unit, 214 ... project information provision unit, 215 ... investment information provision unit, 411 ... examination section, 412 ... business evaluation information Acquisition unit 700 Display item ID display column 701 Business plan information display column 702 URL button 703 Item name display column 704 Item organizer display column 705 ... Reference button 706 ... Solicitation amount display column 707 ... Current investment amount display column 708 ... Investor number display column 709 ... Company name display column 710 ... Reference button , 711... fund type display column, 712... return content display column, 713... reference button, 714... achievement rate display column, 715... number of days display column, 716... project summary display Columns 717 Item evaluation information display column 718 Evaluation rank display column 719 Future forecast display column 720 Same category number display column 721 Reference button 722 723: Reference button 724: Gender composition display column 725: Age composition display column 726: Reference button 727: Place of residence display column , 728... Reference button, 729... Investment count display field, 730... Reference button, 731... Details button, 732... Previous project button, 733... Business evaluation information reference button, 734 ... Next matter button 735 ... Close button 801 ... Radio button 802 ... Radio button 803 ... Send button 804 ... Close buttons 901 to 6 radio buttons 907 clear button 908 create list button 909 close button 1000 computer 1004 bus 1005 Input/output interface 1006 input unit 1007 output unit 1008 storage unit 1009 communication unit 1010 drive 1011 removable medium

Claims (12)

a storage unit;
Receiving crowdfunding project information relating to a crowdfunding project provided from a crowdfunding company device, registering it in the storage unit, and responding to a request from a financial institution device and an investor device, the registered crowdfunding A management department that displays a list of projects to the requester ,
an acquisition unit that acquires investment information for the crowdfunding project from the crowdfunding company device;
For the crowdfunding project selected by the financial institution device from the list, business plan information and fund demander information included in the crowdfunding project information, and investor attribute information and investment included in the investment information a generation unit that analyzes the current situation information representing the situation, generates business feasibility evaluation information as an analysis result, and supplies the information to the financial institution device;
with
The business plan information includes at least one of project name, business outline, fund type, applicant ID, application date, solicitation amount, fee rate, solicitation start date, and solicitation end date,
The fund demander information includes at least one of the applicant's name, address, contact information, and the number of past crowdfunding applications,
The investor attribute information includes at least one item of gender, age, address, and number of times of investment,
The current status information includes at least one item of the current investment amount, the number of investment units, and the achievement rate for the crowdfunding project,
The business feasibility evaluation information includes the evaluation rank of the crowdfunding project, the number of cases in the same category, the future prospect, the past number of organizers, and the sex composition, age composition, place of residence, and number of investments of the investors. including at least one item,
The generation unit transmits at least one of information on the success or failure of a past crowdfunding project by the same fund demander as the crowdfunding project selected by the investor device from the list and information on return performance to the investor. feed the device
A business feasibility evaluation support device characterized by: The business feasibility evaluation support device according to claim 1,
The management unit generates a list of the crowdfunding projects that match search conditions specified by the financial institution device and supplies the list to the financial institution device,
The business feasibility evaluation support device, wherein the generation unit generates the business feasibility evaluation information for the crowdfunding project selected by the financial institution device from the list. The business feasibility evaluation support device according to claim 2,
The current status information includes an achievement rate representing the ratio of the investment amount to the target amount,
The business plan information includes a recruitment period,
When the search condition specified by the financial institution device includes success status, the management unit determines success status of the crowdfunding project based on the achievement rate and the recruitment period, and A business feasibility evaluation support device characterized by generating The business feasibility evaluation support device according to claim 2,
The business plan information includes a recruitment period,
When the search condition specified by the financial institution device includes a solicitation period, the management unit generates the list of the crowdfunding projects based on the solicitation period included in the business plan information. A business feasibility evaluation support device characterized by: The business feasibility evaluation support device according to claim 2,
The current status information includes an achievement rate representing the ratio of the investment amount to the target amount,
When the search condition specified by the financial institution device includes an achievement rate, the management unit generates the list of the crowdfunding projects based on the achievement rate included in the current status information. A business feasibility evaluation support device characterized by: The business feasibility evaluation support device according to claim 2,
The fund demander information includes a past number representing the number of times the fund demander applied for crowdfunding in the past,
When the search condition specified by the financial institution device includes the past number of cases, the management unit displays the list of crowdfunding projects based on the past number of cases included in the fund demander information. A business feasibility evaluation support device characterized by: The business feasibility evaluation support device according to claim 2,
The business feasibility evaluation support device, wherein the management unit generates the list of the crowdfunding projects that the same fund demander applied for in the past. The business feasibility evaluation support device according to claim 1,
The business feasibility evaluation support device, wherein the acquisition unit acquires the investment information from the crowdfunding company device in response to a request for the business feasibility evaluation information from the financial institution device. The business feasibility evaluation support device according to claim 1,
The business feasibility evaluation support device, wherein the acquisition unit acquires the investment information for the registered crowdfunding project from the crowdfunding company device at a preset timing. a receiving step of receiving crowdfunding project information relating to a crowdfunding project provided from a crowdfunding company device;
a registration step of registering the crowdfunding project information in a storage unit;
a list display step of displaying a list of the registered crowdfunding projects to the requester in response to a request from the financial institution device and the investor device;
an acquisition step of acquiring investment information for the crowdfunding project from the crowdfunding company device;
For the crowdfunding project selected by the financial institution device from the list, business plan information and fund demander information included in the crowdfunding project information, and investor attribute information and investment included in the investment information a generation step of analyzing the current status information representing the situation and generating business feasibility evaluation information as an analysis result;
a first supply step of supplying the generated business feasibility evaluation information to the financial institution device;
supplying to the investor device at least one of the success or failure of past crowdfunding projects by the same fund demander as the crowdfunding project selected from the list by the investor device and information on return performance; a feeding step of 2;
including
The business plan information includes at least one of project name, business outline, fund type, applicant ID, application date, solicitation amount, fee rate, solicitation start date, and solicitation end date,
The fund demander information includes at least one of the applicant's name, address, contact information, and the number of past crowdfunding applications,
The investor attribute information includes at least one item of gender, age, address, and number of times of investment,
The current status information includes at least one item of the current investment amount, the number of investment units, and the achievement rate for the crowdfunding project,
The business feasibility evaluation information includes the evaluation rank of the crowdfunding project, the number of cases in the same category, the future prospect, the past number of organizers, and the sex composition, age composition, place of residence, and number of investments of the investors. A business feasibility evaluation support method comprising at least one item. the computer,
Receiving crowdfunding project information on a crowdfunding project provided by a crowdfunding company device, registering it in a storage unit, and responding to a request from a financial institution device and an investor device, the registered crowdfunding project A management department that displays a list of
an acquisition unit that acquires investment information for the crowdfunding project from the crowdfunding company device;
For the crowdfunding project selected by the financial institution device from the list, business plan information and fund demander information included in the crowdfunding project information, and investor attribute information and investment included in the investment information a generation unit that analyzes the current situation information representing the situation, generates business feasibility evaluation information as an analysis result, and supplies the information to the financial institution device;
to make it work,
The business plan information includes at least one of project name, business outline, fund type, applicant ID, application date, solicitation amount, fee rate, solicitation start date, and solicitation end date,
The fund demander information includes at least one of the applicant's name, address, contact information, and the number of past crowdfunding applications,
The investor attribute information includes at least one item of gender, age, address, and number of times of investment,
The current status information includes at least one item of the current investment amount, the number of investment units, and the achievement rate for the crowdfunding project,
The business feasibility evaluation information includes the evaluation rank of the crowdfunding project, the number of cases in the same category, the future prospect, the past number of organizers, and the sex composition, age composition, place of residence, and number of investments of the investors. including at least one item,
The generation unit transmits at least one of information on the success or failure of a past crowdfunding project by the same fund demander as the crowdfunding project selected by the investor device from the list and information on return performance to the investor. feed the device
A program characterized by a business feasibility evaluation support device;
a crowdfunding company device used by a crowdfunding company;
a financial institution device used by a financial institution;
a contributor device used by the contributor;
In the business feasibility evaluation support system including
The business feasibility evaluation support device includes:
a storage unit;
receiving crowdfunding project information relating to a crowdfunding project provided from a crowdfunding company device, registering it in the storage unit, and responding to a request from the financial institution device and the investor device, the registered cloud A management department that displays a list of funding projects to the requester ,
an acquisition unit that acquires investment information for the crowdfunding project from the crowdfunding company device;
For the crowdfunding project selected by the financial institution device from the list, business plan information and fund demander information included in the crowdfunding project information, and attribute information and investor attribute information included in the investment information a generation unit that analyzes the current status information representing the investment status, generates business feasibility evaluation information as an analysis result, and supplies it to the financial institution device,
The generation unit transmits at least one of information on the success or failure of a past crowdfunding project by the same fund demander as the crowdfunding project selected by the investor device from the list and information on return performance to the investor. feed the equipment and
The crowdfunding company device,
a providing unit that receives applications for crowdfunding projects from fund demanders and provides the crowdfunding project information to the business feasibility evaluation support device;
a notification unit that notifies the investment information for the crowdfunding project in response to a request from the business feasibility evaluation support device;
The financial institution device
a requesting unit that requests the business feasibility evaluation information from the business feasibility evaluation support device;
The business plan information includes at least one of project name, business outline, fund type, applicant ID, application date, solicitation amount, fee rate, solicitation start date, and solicitation end date,
The fund demander information includes at least one of the applicant's name, address, contact information, and the number of past crowdfunding applications,
The investor attribute information includes at least one item of gender, age, address, and number of times of investment,
The current status information includes at least one item of the current investment amount, the number of investment units, and the achievement rate for the crowdfunding project,
The business feasibility evaluation information includes the evaluation rank of the crowdfunding project, the number of cases in the same category, the future prospect, the past number of organizers, and the sex composition, age composition, place of residence, and number of investments of the investors. A business feasibility evaluation support system comprising at least one item.

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