JP7317066B2 - Information processing device, information processing method and program - Google Patents

Description

The present invention relates to an information processing device, an information processing method, and a program.

Business operators use financial institutions, etc. to procure funds necessary for their business activities. Patent Literature 1 discloses a system used for fundraising.

JP 2019-079539 A

Efficient risk assessment becomes difficult in cases where fund providers need to analyze paper-based materials or analyze information manually by a large number of people in order to assess the risks of business operators and other fund demanders. There is In addition, compared to funding for large-scale funding, funding for small-scale funding results in a smaller amount of profit. and may not be proactive. As a result, in the situation described above, the fund demander may not be able to raise funds smoothly.

SUMMARY OF THE INVENTION An object of the present invention is to provide a technique for assisting fund procurement smoothly by a fund demander.

An information processing apparatus according to an aspect of the present invention includes an evaluation unit that evaluates the risk of repayment of the provision of funds for each of the fund demanders based on information about the plurality of fund demanders; a classification unit that classifies the plurality of fund demanders into one or more groups based on the attributes of each; and for each of the groups, based on the risk evaluated by the evaluation unit and a generation unit for generating frame information used for structuring financial products whose financial assets are the funds provided to the fund demanders to which they belong.

An information processing method according to an aspect of the present invention comprises: a computer evaluating a risk of repayment of the provision of funds for each of the fund demanders based on information about a plurality of fund demanders; classifying the plurality of fund demanders into one or more groups based on the attributes of each of the demanders; and generating frame information used for structuring financial products whose financial assets are funds provided to the fund demanders belonging to the above.

A program according to an aspect of the present invention comprises a computer, an evaluation unit that evaluates the risk of repayment for providing funds for each of the fund demanders based on information about the plurality of fund demanders, and the plurality of fund demanders. A classification unit that classifies the plurality of fund demanders into one or more groups based on the attributes of each of the above, and each of the groups belongs to the group based on the risk evaluated by the evaluation unit It functions as a generation unit that generates frame information used for composition of financial products whose financial assets are the funds provided to the fund demanders.

Advantageous Effects of Invention According to the present invention, it is possible to provide a technique for assisting a fund demander in procuring funds smoothly.

1 is a conceptual diagram showing an example of the configuration of a funding platform system in one embodiment; FIG. 1 is a conceptual diagram for outlining exemplary processing by a funding platform system in one embodiment; FIG. 1 is a conceptual diagram for outlining exemplary processing by a funding platform system in one embodiment; FIG. 1 is a conceptual diagram for conceptually explaining exemplary processing by a funding platform system in one embodiment; FIG. FIG. 4 is a conceptual diagram for explaining details of exemplary processing by the funding platform system in one embodiment; FIG. 4 is a conceptual diagram for explaining details of exemplary processing by the funding platform system in one embodiment; FIG. 4 is a conceptual diagram for explaining details of exemplary processing by the funding platform system in one embodiment; FIG. 4 is a conceptual diagram for explaining details of exemplary processing by the funding platform system in one embodiment; It is a figure which shows an example of the hardware constitutions of the computer in one embodiment.

In the present invention, "part", "means", "apparatus" and "system" do not simply mean physical means, but the "part", "means", "apparatus" and "system" It also includes the case where the function is realized by software. In addition, even if the function of one "part", "means", "apparatus", or "system" is realized by two or more physical means or devices, two or more "part", "means", "device", or "system" The functions of "apparatus" and "system" may be realized by one physical means or device.

A funding platform system according to an embodiment of the present invention will be described in detail below with reference to the drawings. However, the embodiments described below are merely examples, and are not intended to exclude various modifications and application of techniques not explicitly described below. That is, the present invention can be practiced by variously modifying or combining each embodiment without departing from the scope of the invention. In addition, in the following description of the drawings, the same or similar parts are denoted by the same or similar reference numerals.

[System configuration]
An example of the configuration of the funding platform system in this embodiment will be described with reference to FIG. The fund procurement platform system 1 is a system for supporting a fund demander who raises funds to receive funding and a fund provider to provide funds. The funding platform system 1 includes a server device 10 and terminal devices 20 , 30 , 40 , 50 and 60 . Each device is configured to be able to communicate with each other via the network N. FIG.

The server device 10 is an information processing device such as a server computer. The server device 10 may be configured by one information processing device (or computer; the same shall apply hereinafter), or may be configured by a plurality of information processing devices. In particular, the server device 10 executes various processes for supporting a fund demander who raises funds to receive funds and a fund provider to provide funds. Details of the processing will be described later.

The terminal devices 20, 30, 40, 50, and 60 are information processing devices such as personal computers or mobile terminals (for example, smart phones). These terminal devices are used, for example, by fund demanders, financial product providers, fund providers, data providers, and operators who are users of the fund procurement platform system 1 . A description of each user will be given later.

The network N is composed of a wireless network and a wired network. The network N includes arbitrary networks such as the Internet, mobile communication networks, LANs (Local Area Networks), and the like.

In the example shown in FIG. 1, the funding platform system 1 includes one server device and five terminal devices, but the number of devices included in the funding platform system 1 is not limited to this. The funding platform system 1 may include less than five or six or more terminal devices, may include two or more server devices, or may include other devices. In the following description, the processing described as the processing of the server device may be performed by the terminal device, and the processing described as the processing of the terminal device may be performed by the server device.

[Overview of system functions]
An overview of the functions of the funding platform system 1 will be described. The fund procurement platform system 1 executes processing for supporting a fund demander who raises funds to receive funding and a fund provider to provide funds. In order to realize the above processing, the server device 10 has a function of evaluating the risk of repayment of the provision of funds for each of the fund demanders based on information about the plurality of fund demanders, and and a function of classifying the plurality of fund demanders into one or a plurality of groups based on the attributes of each. The server device 10 is further used for composing financial products whose financial assets are the funds provided to the fund demanders included in the groups based on the risks evaluated above for each of the groups. It has a function to generate frame information. Details of processing by the server device 10 (or the funding platform system 1) related to these functions will be described later.

As described above, according to the present embodiment, the server device 10 evaluates the risk of repayment for the provision of funds for each of the fund demanders based on the information about the plurality of fund demanders. As a result, for the risk assessment of the fund demander, it is possible to carry out an efficient risk assessment compared to the analysis of paper-based materials and the analysis of information by a large number of people. This enables smooth fund procurement by fund demanders.

A financial product in this embodiment is a financial product whose financial assets are funds provided to a plurality of fund demanders belonging to a predefined group. According to this embodiment, by grouping a plurality of fund demanders, it is possible to increase the demand for funds to a certain level or more. Further, in the present embodiment, one financial product is defined as a sum of fund demands of a plurality of fund demanders belonging to one group. By purchasing the financial product, the fund provider can provide funds to fund demanders belonging to the group, and as a result, it is possible to provide funds above a certain level. As a result, fund providers can be more active in providing funds through the above financial products than individual funding to fund demanders, enabling smooth fund procurement by fund demanders. Become.

In this embodiment, the attributes of the fund demanders used to classify the plurality of fund demanders into one or more groups include, for example, industry type, region, or scale. The attributes of the money seeker may also include the above-assessed risk of the money seeker (eg, sound, caution, or at risk).

As described above, users of the funding platform system 1 include fund demanders, financial product providers, fund providers, data providers, and operators. A fund demander is a person who desires to provide funds, for example, a business operator. A financial product provider is a person who provides financial products via the funding platform system 1, such as a bank, a securities company, or a fintech company. A fund provider is a person who provides funds to a fund demander through a financial product, and is, for example, a financial institution or an investor. A data provider is a person who provides information used to evaluate the repayment risk of a fund demander, and is, for example, a business operator, such as a financial institution, that is connected to the business activities of the fund demander. The operator is a business operator that supports fundraising by fund-seekers via the fundraising platform system 1 .

In this embodiment, the information used to evaluate the repayment risk of the fund demander (hereinafter referred to as risk evaluation information) includes, for example, information on the business activities of the fund demander and is provided by the data provider. Risk evaluation information includes, for example, sales information, payment information, expense reimbursement information, accounting processing information, or employee information. Each information is explained below.

1) Sales information Sales information is information related to sales in the business activities of the fund demander (may include authorization information). Data providers of sales information include, for example, card companies, payment network companies, financial institutions, etc. that acquire and manage information on sales of fund demanders.

2) Settlement Information The settlement information is information related to settlement in the business activities of the fund demander, and may be information related to BtoB settlement, for example. Data providers of payment information are, for example, providers of accounting (cloud) systems, SCM (Supply Chain Management) systems, or ERP (Enterprise Resources Planning) systems that obtain and manage information on payments from fund demanders, or Including financial institutions.

3) Expense reimbursement information Expense reimbursement information is information relating to reimbursement of expenses by the fund demander. The data provider of expense reimbursement information includes, for example, an issuer of a corporate card used by a person demanding funds, or a provider of an accounting (cloud) system used by a person demanding funds.

4) Accounting Processing Information Accounting processing information is information relating to accounting processing by the fund demander. Data providers of accounting processing information include, for example, accounting (cloud) system providers used by fund demanders, accounting firms, and the like.

5) Employee Information Employee information is information about employees of the fund demander, who is a business operator, and includes, for example, employee attendance information or employee employment information. Data providers of employee information include, for example, providers of attendance management (cloud) systems or hiring systems (personnel solution systems) used by consumers.

[Outline of processing flow]
An overview of the processing flow by the funding platform system 1 will be described with reference to FIGS. 2 and 3. FIG. Each processing step described below is realized by, for example, the control units of the server device 10 and the terminal devices 20 to 60 reading and executing a computer program stored in the storage unit.

With reference to FIG. 2, the outline of the processing from soliciting fund demanders to providing funds will be described. First, in step S101, the server device 10 transmits solicitation information of a business operator (fund demander) desiring to raise funds to the terminal device 50 of the fund demander. Recruitment of fund demanders may be carried out by, for example, the data provider, a business affiliated with the data provider, or an operator, or may be carried out by another person.

Recruitment information for fund demanders may be transmitted in cooperation with a database that stores and manages information on fund demanders. The transmission of the recruitment information of the fund demander is performed by any method. (downloaded).

In the present embodiment, the recruitment information of the fund demander is transmitted from the server device 10 to the terminal device 50, but as a modification, it is not transmitted from the server device 10 but from another device (e.g. (equipment of the company) to the terminal device 50. For example, the function of the server device 10 for transmitting the recruitment information of the fund demander is made public by an API (Application Programming Interface), and another device receives the recruitment information from the server device 10 by using the API, and the terminal The recruiting information may be transmitted to the device 50 .

Next, in step S<b>102 , in response to the terminal device 50 being operated by the fund demander to apply for the recruitment information, the terminal device 50 transmits the application information to the server device 10 . The application information includes, for example, information on the person requesting funds (including, for example, the name, location, size, type of business, and other attribute information of the business operator), the desired amount of funding (financing) (preferred loan amount) and desired loan period.

Furthermore, in response to the terminal device 50 being operated by the fund demander to consent to the provision of his/her own risk assessment information, the terminal device 50 transmits the consent information to the server device 10. do. Application to the solicitation of fund demanders and consent to the provision of information for risk evaluation are performed by a plurality of fund demanders via a plurality of terminal devices 50 .

Note that the above application and consent information may be transmitted (uploaded) from the terminal device 50 to the server device 10 via another device (for example, a device of another business such as a data provider). For example, a function for transmitting application and consent information to the server device 10 is made public by an API, and another device receives the application and consent information from the terminal device 50 by using the API, and sends the application and consent information to the server device 10. You may send.

Next, in step S103, the risk evaluation information of the fund demander who has applied and given consent may be the data provider's terminal device 20 (not the terminal device but the server device. In the present embodiment, the same shall apply hereinafter. ) to the server device 10 . As described above, risk evaluation information includes, for example, sales information, payment information, expense reimbursement information, accounting processing information, or employee information.

Note that the server device 10 receives the attribute information of the fund demander from each of the terminal device 20 of the data provider and the terminal device 50 of the fund demander, and based on the consistency of the attribute information, in step S102 It may be determined whether the application is fraudulent, such as falsely applying for the recruitment information.

Next, in step S104, the server device 10 classifies the plurality of fund demanders into one or a plurality of groups based on the respective attributes of the plurality of fund demanders who have applied. In addition, the server device 10 evaluates the risk of repayment for the provision of funds for each fund demander based on the information about the plurality of fund demanders who applied and agreed. The server device 10 further provides, for each of the classified groups of fund demanders, based on the above-evaluated risks, a financial product in which funds are provided to the fund demanders included in the group as financial assets. generates frame information used in the composition of

The funds provided to the person demanding funds may be, for example, the amount of funds that the person demanding funds wishes to procure, or the amount of funds determined based on the desired amount of funds and predetermined criteria. It can be the amount. The frame information includes, for example, information on the fund demanders belonging to the group, the total amount of funds provided to the fund demanders included in the group (funding scale), and information on the risks evaluated above (e.g. , caution, or at risk).

Next, in step S105, the server device 10 calculates or sets an assumed value regarding product conditions of the financial product. For example, the server device 10 optimizes the financing means (selection of the optimal financing means), and calculate the assumed value of the fee. The server device 10 further sets assumed values for repayment conditions, collateral conditions, and other various conditions for the funds provided to the fund demander.

Financing means include, for example, banks, public institutions, securitization of claims (using securities companies), STO (Security Token Offering), DeFi (Decentralized Finance), or other financing means. In the process of optimizing funding instruments, for example, for each funding instrument, the assumed interest rate and fees are calculated according to the frame information, and the risk is evaluated. selection of appropriate financing methods. The processing of optimizing financing means is performed, for example, based on the interest rates of banks or public institutions at the time of the processing, the term of loans, or the like.

The interest rate calculation process is performed, for example, based on the risk information evaluated above. A plurality of types of interest rates may be calculated, and may include, for example, an interest rate for fund providers and an interest rate for fund demanders. In addition, the calculated interest rate for fund providers may be calculated to have different values for fund provider managers (preferential interest rates) and for general fund providers (general interest rates), which will be described later.

The calculation of the fee is calculated based on the financing instrument selected by optimization of the financing instrument, for example. A plurality of types of commissions may be calculated, and may include, for example, a commission returned to the data provider and a commission for the financial product provider.

Funds repayment terms, collateral terms, and other terms are set according to predetermined terms or in response to operational input by the operator.

In step S105, the server device 10 may further calculate an assumed value of the capital contribution ratio of the managing provider and the general provider of the fund provider, which will be described later, according to a predetermined condition or in response to an operation input by the operator. .

The process of calculating or setting the assumed values described above may be performed using artificial intelligence technology such as machine learning or deep learning. For example, first, a trained model is generated using evaluated risk information, interest rates of banks or public institutions, and loan terms as explanatory variables, and interest rates and fees as objective variables. After that, by inputting the evaluated risk information, the interest rate of the bank or public institution, and the loan term to the model, the assumed values of the interest rate and the fee may be calculated.

An example of assumed values of product conditions calculated and set by the server device 10 in step S105 of FIG. 2 will be described with reference to FIG. FIG. 4 shows a risk group, a caution group, and a healthy group as groups of fund demanders classified on the basis of the above-mentioned risks, which are attributes of the fund demanders. Interest rate: 10%, commission: 5%, and collateral: required are set as product conditions for the risk group group. Interest rate: 6%, commission: 5%, and collateral: not required are set as product conditions for the attention group group. For the healthy group, interest rate: 4%, commission: 5%, and no collateral are set as product conditions.

Next, in step S106, first, in order to recruit financial product providers, the server device 10 sends an external device such as the terminal device 30 of one or a plurality of (candidates for) financial product providers to step S104. Transmit and disclose financial product information (financial product provider offering information) with the frame information generated in step S105 and the assumed values calculated and set in step S105 as assumed values for the product conditions (product specifications). . The financial product provider solicitation information to be transmitted further includes information requesting a quote for the provision of the financial product by the financial product provider candidate and a bid for the provision of the financial product.

A quote is an estimate of the terms of a financial instrument. For example, a candidate for a financial product provider may use frame information (e.g., information about fund demanders included in the group, the total amount of funds provided to the fund demanders included in the group, and the above evaluation including estimates of interest rates, fees, and collateral requirements when providing financial products, taking into account the risk information provided by the financial institution. That is, the value indicated by the estimate may be a different value from the assumed value of the product condition.

The terminal device 30 transmits, to the server device 10, information on quotations and bids for the received solicitation information of the financial product provider in response to an operation input by the candidate for the financial product provider.

The server device 10 compares the quotes received from a plurality of terminal devices 30 (that is, a plurality of financial product provider candidates) with the above-calculated (preset) assumed value of product conditions, and performs the comparison. determine the financial product provider for the financial product for which the provider was solicited, based on the results of For example, the server device 10 may determine the bidder whose quotation is closest to the assumed value of the product condition as the financial product provider. Alternatively, the server device 10 selects a predetermined number (for example, 3 business operators) of candidates for the financial product provider based on the result of the above comparison, and selects a final financial product provider may be determined. The final financial product provider may be one business operator or multiple business operators. The server device 10 determines the information indicated by the quotation presented by the determined financial product provider as the condition of the financial product.

Next, in step S107, the server device 10 sends the financial product determined in step S106 to the terminal device 50 of the fund demander belonging to the group of the fund demander indicated by the financial product in order to present conditions to the fund demander. to send condition information (financial product condition information).

The fund demander confirms the financial product condition information received by the terminal device 50 and, if agreeing, operates the terminal device 50 for consent. The terminal device 50 transmits the consent information to the server device 10 in response to the consent operation by the fund demander. The consent information corresponds to the actual application for funding request by the fund demander. The consent (offer) to the conditions is, for example, to the financial product provider, but may be consent to another person such as an operator.

Next, in step S108, the server device 10 adjusts the conditions of the financial product according to the consent information received from the plurality of terminal devices 50 in step S107. For example, if there is a fund demander who does not agree to the financial product condition information and withdraws from the group in step S107, according to the information of the fund demander who has given consent, Update information.

The server device 10 transmits the updated financial product condition information to the terminal device 30 of the financial product provider, and in response to the financial product provider agreeing to the financial product condition information, the consent information is sent from the terminal device 30. receive.

In step S109, the server apparatus 10 sends information on recruitment of organizers to fund providers (candidates) in order to recruit organizers among the fund providers who provide funds by purchasing financial products. It transmits to an external device such as the terminal device 40 . An underwriter is a funder that has the right to make decisions or agree on terms of a financial instrument that relate to the funder (eg, funder interest rate, etc.).

The fund provider confirms the recruiting information of the organizer provider received by the terminal device 40, and performs an application operation via the terminal device 40 when applying to the organizer provider. The terminal device 40 transmits the application information of the organizer provider to the server device 10 according to the application operation. The server device 10 determines an organizer provider according to the received application information. It should be noted that the manager or the data provider may be the organizer provider.

In step S110, in order to solicit general providers among the fund providers who provide funds by purchasing financial products, the terminal device 30 of the financial product provider transmits the solicitation information of the general providers to the fund providers. It is transmitted to an external device such as the (candidate) terminal device 40 . General Providers are funders (ie, purchasers of financial instruments) other than the Leading Provider.

In addition, the above-mentioned product conditions of the financial product may include the capital contribution ratio of the managing provider or the general provider of the fund provider. For example, the product conditions may include a condition that the investment ratio of the lead provider in the procurement scale is 50% or more.

In step S111, the fund provider confirms the recruitment information of the general provider received by the terminal device 40, and applies (i.e., purchases financial products) to the general provider through the terminal device 40. That is, an application for purchase of a financial product) is operated. The terminal device 40 transmits the application information of the general provider to the server device 10 according to the application operation. The server device 10 determines a general provider according to the received application information.

Financial products may be sold to general providers using a virtual currency mechanism such as STO (Security Token Offering) or staking.

In addition, an API may be provided from the server device 10 or the server device of the financial product provider so that other business operators can sell financial products as a sales channel of the financial product provider. Business operators other than financial product providers can use the API to sell financial products.

In step S112, the terminal device 30 of the financial product provider executes processing for providing funds to the fund demander after the financial product is purchased and funds are provided by the manager provider and the general provider. . The process of providing funds may include, for example, the process of transferring funds to the account of the fund seeker. The processing for funding may be performed by the server device 10 or other device.

Next, with reference to FIG. 3, an outline of processing from the provision of funds to the fund demander to redemption and return will be described. First, in step S201, the terminal device 20 of the data provider transmits information (monitoring information) for monitoring the repayment (redemption) status and repayment ability of the funds provided to the fund demander to the server device 10. do. The monitoring information may include, for example, sales information, payment information, expense reimbursement information, accounting processing information, or employee information, similar to the risk assessment information described above.

Next, in step S<b>202 , the server device 10 monitors the repayment status and repayment ability of the funds provided to the fund demander based on the monitoring information received from the terminal device 20 . The status of repayment of funds is monitored, for example, based on the accounting information included in the monitoring information. Ability to repay funds is monitored, for example, based on changes in sales information, payment information, expense reimbursement information, or employee information included in the monitoring information. For example, if sales are declining or settlement is delayed, it may be determined that the ability to repay funds is declining. Also, when sales are increasing or when the number of employees is increasing, it may be determined that the ability to repay funds is increasing.

Next, in step S203, the server device 10 generates report information on the performance results or forecast of the funds provided to the fund demander via the financial product based on the information on the fund demander. The information on the fund demander includes, for example, the monitoring information received by the server device 10 in step S201 and the information on the fund demander publicly disclosed (eg, settlement information and news). The fund management performance report information may be generated using, for example, the repayment status information monitored in step S202. A capital operating forecast may be generated, for example, using the repayment capacity information monitored in step S202.

Next, in step S204, the server device 10 transmits the report information on the operational performance or operational forecast of the funds generated in step S203 to the terminal device 30 of the financial product provider and the terminal device 40 of the fund provider. The financial product provider and fund provider can confirm the report information received via the terminal device 30 or terminal device 40 .

In step S205, the terminal device 50 of the fund demander executes processing for repaying (redeeming) the provided funds to the financial product provider in accordance with the operation input of the fund demander. The reimbursement process may include, for example, crediting the financial product provider's account. Repayment is timed according to the terms of the financial instrument. Alternatively, the repayment of funds by the fund demander may be made through an intermediary rather than directly to the financial product provider. In addition, when the operator or data provider has a counterclaim against the fund demander, the server device 10 or the terminal device 20 may execute a process of appropriating the counterclaim to repay the counterclaim.

Next, in step S206, the terminal device 30 calculates the amount of money or other value to be returned to the fund provider based on the conditions of the financial product and the investment performance of the funds, and based on the result of the calculation, Execute the process of returning to the person. The process of returning may include, for example, the process of transferring money to the funder's account. In addition, in step S206, the terminal device 30 calculates the remuneration to be distributed to the data provider based on the conditions of the financial product and the investment performance of the funds, and distributes the remuneration to the data provider based on the result of the calculation. You may perform a process to The distributing process may include, for example, transferring money to the data provider's account.

For the funds that have not been redeemed by the fund demanders, the manager or the financial product provider may compose a financial product as a junk bond containing the funds and sell it to general consumers. The manager or financial product provider may return the junk bond to the fund supplier based on the investment performance of the junk bond.

In step S207, the server device 10 provides data relating to accounting processing and executes accounting processing to the fund demander or fund provider. For example, data may be transmitted to the accounting system of the fund demander or fund provider, or the result of accounting processing may be transmitted to the system of the fund demander or fund provider. Note that the process of step S207 is executed at arbitrary timing.

[Process flow details]
Details of the processing flow by the funding platform system 1 will be described with reference to FIGS. 5 to 8. FIG. Each processing step described below is realized by, for example, the control units of the server device 10 and the terminal devices 20 to 60 reading and executing a computer program stored in the storage unit. Descriptions of the contents that have already been described above are simplified or omitted.

First, in step S1011 of FIG. 5, the terminal device 60 transmits an instruction to solicit funds demanders to the server device 10 in response to an operation input by the manager for recruiting funds demanders. The solicitation instruction for the fund demander may be initiated by other methods, such as being initiated by the server device 10 according to a predetermined condition, instead of being initiated by the terminal device 60 .

In step S<b>1012 , the server device 10 transmits the fund demander recruitment information to the plurality of terminal devices 50 . The terminal device 50 that has received the solicitation information of the fund demander displays the solicitation information on the display section of the terminal device 50 in response to the operation input by the fund demander.

In step S1021, in response to the terminal device 50 being operated by the fund demander to apply for the recruitment information and to consent to the provision of his/her own risk assessment information, the terminal device 50: The application and agreement information is transmitted to the server device 10 . The information of the application to be sent includes, for example, information on the person demanding funds (including, for example, the name, location, size, type of business, and other attribute information of the business) The amount (desired loan amount) and desired loan period may be included.

In step S<b>1022 , the server device 10 identifies and eliminates false applications among the applications for the recruitment information received from the terminal device 50 . For example, the server device 10 stores the attribute information of the fund demander received in advance from the terminal device 20 of the data provider and stored in the storage unit, and the attribute information of the fund demander received from the terminal device 50 of the fund demander in step S1021. Information may be compared to determine whether the application is false based on the consistency of the attribute information. In this case, the server device 10 may determine that the application is valid if the attribute information matches, and that the application contains false content if the attribute information does not match.

In step S1023, the server device 10 uses the information included in the application determined to be valid in step S1022 among the applications received from the plurality of terminal devices 50 and the above-mentioned agreement information as the application information of the fund demander. Stored in the storage unit of the server device 10 .

In step S1031, the server device 10 transmits to the terminal device 20 a request for provision of evaluation information used in evaluating the repayment risk of the fund demander whose application information is stored in step S1023.

In step S1032, the terminal device 20 transmits the evaluation information of the fund demander to the server device 10 in response to the received evaluation information provision request. The information for risk evaluation includes, for example, sales information, payment information, expense reimbursement information, accounting processing information, or employee information stored and managed by the data provider. Information for risk assessment may also be collected externally by web crawling or other methods. Information for risk evaluation collected from the outside may be, for example, business operation information of the fund demander (credit research company information), customer reputation (information from web pages or social networking sites), or market reputation ( information on credit bureaus, information on securities/financial institutions, etc.).

Next, in step S1041 of FIG. 6, the server device 10 identifies the plurality of fund demanders based on the attributes of each of the plurality of fund demanders who applied (excluding false applications). Categorize into one or more groups. The information of the fund demander who applied and the attribute information of the fund demander are obtained by referring to the storage unit of the server device 10, for example.

In addition, the server device 10 refers to the storage unit and evaluates the risk of repayment for the provision of funds for each fund demander based on the information on the plurality of fund demanders who have applied. Evaluated risk information includes, for example, sound, caution, or at risk. The server device 10 stores the group and risk information in the storage unit in association with the information of the fund demander.

In step S1042, for each of the classified groups of fund demanders, server device 10 treats the funds provided to the fund demanders included in the group as financial assets based on the risks evaluated above. Generates frame information that is used to create financial products that The frame information includes, for example, information on the fund demanders belonging to the group, the total amount of funds provided to the fund demanders included in the group (financing scale), and information on the risks evaluated above. The server device 10 stores the generated frame information in the storage unit.

In step S<b>1051 , the server device 10 calculates or sets an assumed value regarding product conditions of the financial product based on at least one of the frame information and the operator's operation input to the terminal device 60 . Assumed values regarding product conditions of financial instruments are, for example, optimal funding means (selection of optimal funding means), funding scale, interest rates, fees, fund repayment conditions, collateral conditions, and other various conditions. including the assumed value of The server device stores the set or calculated assumed value in the storage unit.

In step S1061, the server device 10 refers to the storage unit and sends the frame information generated in step S1042 and the frame information calculated in step S1051 to the terminal devices 30 of (candidates for) one or more financial product providers. and the information of the financial product (financial product provider's offering information) having the set assumed value as the assumed value of the product condition (product specification).

In step S1062, the server device 10 refers to the storage unit, and information for requesting a quote and a bid for the provision of the financial product when the candidate for the financial product provider provides the solicited financial product. to the terminal device 30 .

In step S<b>1063 , the terminal device 30 transmits the information of the estimate and the bid to the server device 10 in accordance with the operation input by the financial product provider. The server device 10 receives a plurality of different information on quotations and bids via a plurality of terminal devices 30, and stores them in the storage unit.

In step S1064, the server device 10 refers to the storage unit, compares the quotations received from the plurality of terminal devices 30 and the assumed values of the product conditions preset above, and based on the result of the comparison, Determining financial product providers for financial products for which providers are solicited. For example, the server device 10 may determine the bidder whose quotation is closest to the assumed value of the product condition as the financial product provider. The server device 10 stores information on the determined financial product provider in the storage unit.

Next, in step S1071 of FIG. 7, the server device 10 refers to the storage unit and sends the financial product condition information of the financial product to the terminal devices 50 of the funds demanders belonging to the group of the funds demanders related to the financial product. to send.

In step S1072, the terminal device 50 transmits consent information to the server device 10 in response to the operation of consenting to the financial product conditions by the fund demander. The terminal device 50 stores the consent information received from the terminal device 50 in the storage unit.

In step S1073, the server device 10 transmits to the terminal device 30 formal application (main application) information for purchase of financial products by the fund demander in response to receiving the consent information from the terminal device 50 in step S1072. .

In step S1081, the server device 10 refers to the storage unit, updates the contents of the financial product conditions according to whether or not the fund demander agrees to the financial product conditions, and stores them in the storage unit. For example, if there is a fund demander who does not agree to the financial product condition information and withdraws from the group, the server device 10 selects the financing scale from the financial product conditions according to the information of the fund demander who has given consent. information is updated and stored in the storage unit.

In step S<b>1082 , the server device 10 transmits the updated financial product condition information to the terminal device 30 . The terminal device 30 stores the received updated financial product condition information in the storage unit.

In step S1083, the terminal device 30 transmits consent information to the server device 10 in response to the financial product provider's operation of consenting to the updated financial product conditions. The server device 10 stores the received consent information in the storage unit.

In step S<b>1091 , the server device 10 transmits recruiting information for organizer providers to the terminal device 40 in order to recruit organizer providers among fund providers.

In step S1092, the terminal device 40 transmits the agreement information to the server device 10 in response to the fund provider's operation of agreeing to become the organizer provider. The server device 10 stores the agreement information received from the terminal device 40 in the storage unit.

In step S<b>1093 , the server device 10 refers to the storage unit and transmits the agreement information of the organizer provider to the terminal device 30 . The terminal device 30 stores the received agreement information in the storage unit.

Next, in step S1101 of FIG. 8, the terminal device 30 refers to the storage unit and transmits general provider recruitment information to the terminal device 40 in order to recruit general providers.

In step S1111, the terminal device 40 transmits application information (purchase application) to the server device 10 in response to an operation to purchase financial products as a general provider. The server device 10 stores the application information received from the terminal device 40 in the storage unit. Further, the terminal device 40 executes processing for providing funds in accordance with operations by the fund provider. Processing for funding may include, for example, transferring funds to a financial product provider's account.

In step S1121, the terminal device 30 executes processing for providing funds to the fund demander in accordance with the processing in step S1111. The process for providing funds may include, for example, the process of transferring funds to the fund demander's account.

In step S2011, the terminal device 20 transmits to the server device 10 monitoring information for monitoring the repayment status and repayment ability of the funds provided to the fund demander. The server device 10 stores the received monitoring information in the storage unit.

In step S2021, the server device 10 monitors the repayment status and repayment ability of the funds provided to the fund demander based on the monitoring information received in step S2011.

In step S2031, server device 10 refers to the storage unit, and based on the information (including monitoring information) on the fund demander, manages the performance of funds provided to the fund demander via financial products. or generate reporting information about operational forecasts. The server device 10 stores the generated report information in the storage unit.

In step S<b>2041 , the server device 10 transmits the report information generated in step S<b>2031 to the terminal device 30 . In step S2042, the server device 10 also transmits the report information generated in step S2031 to the terminal device 40 as well.

In step S2051, the terminal device 50 refers to the storage unit and executes processing for repaying (redeeming) the funds to the financial product provider in accordance with the operation input of the fund demander or predetermined conditions. The reimbursement process may include, for example, crediting the financial product provider's account.

In step S2061, the terminal device 30 refers to the storage unit, calculates the amount of money or other value to be returned to the fund provider based on the conditions of the financial product and the investment performance of the funds, and based on the result of the calculation, and execute the process of returning to funders. The process of returning may include, for example, the process of transferring money to the funder's account. In step S2062, the terminal device 30 refers to the storage unit, calculates the remuneration to be distributed to the data provider based on the conditions of the financial product and the investment performance of the funds, and based on the result of the calculation, the data provider Executes the process of distributing rewards to participants. The distributing process may include, for example, transferring money to the data provider's account.

In step S2071, the server device 10 refers to the storage unit and executes accounting support processing for the fund demander or fund provider. Accounting support processing includes, for example, sending data to the financial demander's or funder's accounting system, or sending accounting results to the funder's or funder's system.

As described above, according to the present embodiment, the server device 10 evaluates the risk of repayment for the provision of funds for each of the fund demanders based on the information on the plurality of fund demanders. As a result, for the risk assessment of the fund demander, it is possible to carry out an efficient risk assessment compared to the analysis of paper-based materials and the analysis of information by a large number of people. This enables smooth fund procurement by fund demanders.

Further, according to the present embodiment, by grouping a plurality of fund demanders, it is possible to increase the demand for funds to a certain level or more. Further, in the present embodiment, one financial product is defined as a sum of fund demands of a plurality of fund demanders belonging to one group. By purchasing the financial product, the fund provider can provide funds to fund demanders belonging to the group, and as a result, it is possible to provide funds above a certain level. As a result, fund providers can be more active in providing funds through the above financial products than individual funding to fund demanders, enabling smooth fund procurement by fund demanders. Become.

In addition, in the present embodiment, the explanation is based on the premise that the users of the funding platform system 1 include the fund demander, the financial product provider, the fund provider, the data provider, and the operator. It's just a user role. Therefore, for example, one business operator may play multiple roles among a fund demander, financial product provider, fund provider, data provider, and operator. Also, a plurality of business operators may jointly play one role.

Also, in this embodiment, the funds provided to the fund demander are typically cash, but are not limited to this, and may be virtual currency, electronic money, or other forms of value.

[Hardware configuration]
An example of a hardware configuration when the server device 10 or the terminal devices 20, 30, 40, 50, 60 are implemented by a computer 800 will be described with reference to FIG. It should be noted that the function of each device can also be implemented by being divided into a plurality of devices.

As shown in FIG. 9, a computer 800 includes a processor 801, a memory 803, a storage device 805, an input I/F section 807, a data I/F section 809, a communication I/F section 811, and a display device. 813 included.

The processor 801 is a control unit that controls various processes in the computer 800 by executing programs stored in the memory 803 .

The memory 803 is, for example, a storage medium such as a RAM (Random Access Memory). The memory 803 temporarily stores program codes of programs executed by the processor 801 and data necessary for executing the programs.

The storage device 805 is a non-volatile storage medium such as a hard disk drive (HDD) or flash memory. A storage device 805 stores an operating system and various programs for realizing the above configurations.

An input I/F unit 807 is a device for receiving input from the user. Specific examples of the input I/F unit 807 include a keyboard, mouse, touch panel, various sensors, wearable devices, and the like. The input I/F unit 807 may be connected to the computer 800 via an interface such as USB (Universal Serial Bus).

A data I/F unit 809 is a device for inputting data from outside the computer 800 . A specific example of the data I/F unit 809 is a drive device for reading data stored in various storage media. Data I/F unit 809 may be provided outside computer 800 . In that case, the data I/F unit 809 is connected to the computer 800 via an interface such as USB.

The communication I/F unit 811 is a device for performing data communication with a device external to the computer 800 via the Internet N by wire or wirelessly. Communication I/F unit 811 may be provided outside computer 800 . In that case, the communication I/F unit 811 is connected to the computer 800 via an interface such as USB.

The display device 813 is a device for displaying various information. Specific examples of the display device 813 include a liquid crystal display, an organic EL (Electro-Luminescence) display, and a wearable device display. The display device 813 may be provided outside the computer 800 . In that case, the display device 813 is connected to the computer 800 via, for example, a display cable. Further, when a touch panel is adopted as the input I/F section 807 , the display device 813 can be integrated with the input I/F section 807 .

[Modification]
The program for implementing the funding platform system 1 (or the server device 10 and the terminal devices 20, 30, 40) in this embodiment is an optical disk such as a CD-ROM, a magnetic disk, a semiconductor memory, etc. It can be installed or loaded onto a computer through media or by downloading over a communication network or the like.

The present invention is not limited to the embodiments described above, and can be implemented in various other forms without departing from the scope of the present invention. The above embodiments are merely examples in all respects and should not be construed as limiting.

1 funding platform system 10 server device 20, 30, 40, 50, 60 terminal device N network

Claims (15)

an evaluation unit that evaluates the risk of repayment for provision of funds for each of the fund demanders based on information about a plurality of fund demanders;
a classification unit that classifies the plurality of fund demanders into one or more groups based on the attributes of each of the plurality of fund demanders;
For each of the groups, based on the risks evaluated by the evaluation unit, frame information used for structuring financial products whose financial assets are funds provided to the fund demanders belonging to the group. a generator that generates ;
a transmitting unit configured to transmit financial product condition information indicating conditions of the financial product including the amount of funds to be raised to each of the terminals of the fund demanders belonging to the group;
a receiving unit for receiving, from the terminal of the fund demander, consent information indicating consent to the conditions, when the fund demander agrees to the conditions;
an updating unit that updates the procurement scale among the conditions according to the presence or absence of the consent of the fund demander based on the consent information;
Information processing device. 2. The information processing apparatus according to claim 1, wherein the information on a plurality of fund demanders includes information on business activities of said fund demanders. 3. The information processing apparatus according to claim 2, wherein the information relating to the business activities of the fund demander includes sales information, payment information, expense reimbursement information, accounting processing information, or employee information. The information processing apparatus according to any one of claims 1 to 3, wherein said attribute includes said risk evaluated by said evaluation unit. The information processing apparatus according to any one of claims 1 to 4, wherein the frame information includes information on the scale of financing or the risk. 6. The information processing apparatus according to any one of claims 1 to 5, further comprising a first transmission unit that transmits recruitment information of said financial product provider to an external device based on said frame information. a receiving unit that receives quotation information related to the conditions in response to transmission of the recruitment information;
a determination unit that determines a provider of the financial product based on the quotation information;
The information processing apparatus according to claim 6, comprising: The determination unit determines a provider of the financial product based on the estimate information and an assumed value related to the preset conditions .
The information processing apparatus according to claim 7. 9. The information processing apparatus according to any one of claims 1 to 8, comprising a second transmission unit that transmits recruitment information of a fund provider who is a purchaser of said financial product to an external device. 10. The information processing device according to claim 9, wherein said funder includes a lead provider who makes decisions or agrees on terms of said financial instrument. 11. The information processing apparatus according to claim 10, wherein said fund provider includes a general provider who is a purchaser of said financial product other than said managing provider. 12. The information processing apparatus according to claim 10, wherein the condition of said financial product includes information on the investment ratio of said managing provider. 13. Any one of claims 1 to 12, further comprising a reporting unit that generates report information on performance results or forecasts of funds provided to said fund demander via said financial product based on information on said fund demander. or the information processing device according to claim 1. the computer
Evaluating the risk of repayment for providing funds for each of the fund demanders based on information about a plurality of fund demanders;
Classifying the plurality of fund demanders into one or more groups based on the attributes of each of the plurality of fund demanders;
For each of the groups, based on the evaluated risks, generate frame information used for structuring financial products whose financial assets are funds provided to the fund demanders belonging to the group. and
transmitting financial product condition information indicating conditions of the financial product including the amount of funds to be raised to each of the terminals of the fund demanders belonging to the group;
receiving, from the terminal of the person demanding funds, consent information indicating consent to the conditions, if the person demanding funds agrees to the conditions;
Updating the procurement scale among the conditions according to the presence or absence of the consent of the fund demander based on the consent information
A method of processing information, comprising: the computer,
an evaluation unit that evaluates the risk of repayment for provision of funds for each of the fund demanders based on information about a plurality of fund demanders;
a classification unit that classifies the plurality of fund demanders into one or more groups based on the attributes of each of the plurality of fund demanders;
For each of the groups, based on the risks evaluated by the evaluation unit, frame information used for structuring financial products whose financial assets are funds provided to the fund demanders belonging to the group. a generator that generates,
a transmitting unit that transmits financial product condition information indicating conditions of the financial product including the amount of funds to be raised to each of the terminals of the fund demanders belonging to the group;
a receiving unit that receives, from the terminal of the fund demander, consent information indicating consent to the conditions when the fund demander agrees to the conditions;
an update unit that updates the procurement scale among the conditions according to the presence or absence of the consent by the fund demander based on the consent information;
A program to function as

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