JP7496282B2 - Financial assistance device, financial assistance method, and program - Google Patents

Description

The present invention relates to devices and the like that support investment in companies.

A known prior art crowdfunding system includes a storage unit, a determination unit, and an output unit, in which the determination unit determines a ranking for each of a number of items based on item information stored in the storage device, and generates ranking information by determining a ranking based on the rankings of the multiple items, thereby enabling users considering providing funds to easily find users who could be eligible for support (see, for example, Patent Document 1).

JP 2019-197254 A (page 1, Figure 1, etc.)

However, in the past, there was an issue with not being able to adequately support financial transactions such as investments.

For example, in the past, there was a problem that it was difficult to introduce appropriate investment destinations to investors. For example, even if ranking information on investment destinations was generated using multiple items as in the above-mentioned conventional technology, it was difficult for ordinary investors to judge how reliable this ranking information was, and introducing highly ranked investment destinations to investors did not necessarily mean introducing appropriate investment destinations (e.g. safe investment destinations, etc.) to the investor. In addition, when it comes to investment destinations recommended by specialized companies that recommend investments to investors, it was difficult to judge how trustworthy the companies themselves can be, so there was a problem that it was difficult to use information received from such companies to decide on investment destinations.

In addition, companies introducing investment targets have to collect and analyze information on various investment targets in order to introduce them, which is time-consuming, and there is little benefit to simply introducing investment targets and receiving a commission, etc.

The present invention has been made to solve the above problems, and aims to provide a financial support device etc. that can appropriately support financial transactions.

The financial support device of the present invention is a financial support device including a company information storage unit in which one or more pieces of company information including a company identifier that identifies a company are stored, a loan information storage unit in which loan information related to loans made to companies identified by each of the company identifiers is stored in association with each of the one or more company identifiers, an investment information storage unit in which investment information related to investments in companies identified by each of the company identifiers is stored in association with each of the one or more company identifiers, a recruitment information transmission unit in which recruitment information for soliciting investments in companies identified by the company identifiers is transmitted in association with the company identifiers, an investment information receiving unit in which investment information related to investments in companies identified by the company identifiers is received in association with the company identifiers, and an investment information accumulation unit in which investment information received by the investment information receiving unit is accumulated in the investment information storage unit in association with the company identifiers.

This configuration allows companies that are receiving loans to solicit investments and appropriately support financial transactions.

The financial support device of the present invention may further include a judgment unit that judges whether or not a company corresponding to one or more pieces of company information stored in the company information storage unit is seeking investment, and the recruitment information transmission unit may transmit recruitment information including the company information of one or more companies that the judgment unit judges to be seeking investment.

This structure allows only those companies that meet the conditions among those that have received loans to be targeted for investment.

In addition, in the financial support device of the present invention, one or more pieces of company information stored in the company information storage unit may include assessment information regarding the assessment results at the financial institution.

With this configuration, users who make investments can check the assessment information related to the assessment results of financial institutions, and can make safe investments. In addition, loan assessment information can be provided as information to be used in considering investments, and the loan assessment information can be effectively used for investments.

The financial support device of the present invention may further include a repayment processing unit in which the loan information has loan amount information specifying the loan amount, the investment information has investment amount information specifying the investment amount, and the investment information uses the investment trust amount information received by the investment information to perform repayment processing for repaying the loan amount.

This structure allows financial institutions to reduce their risk in financing by repaying loans through investment.

The financial support device of the present invention may further include a repayment amount information acquisition unit that acquires repayment amount information that specifies the amount to be repaid to the financial institution that received the loan, the amount being equal to or less than the loan amount specified by the loan amount information and equal to or less than the investment amount specified by the investment amount information, and the repayment processing unit may perform repayment processing to repay the amount specified by the repayment amount information acquired by the repayment amount information acquisition unit against the loan amount.

With this configuration, an appropriate repayment amount can be repaid from the investment. For example, by obtaining repayment amount information that sets the repayment amount to a value less than the loan amount, a portion of the loan can be left, and the financial institution can receive interest on the remaining loan.

The financial support device of the present invention may further include a loan condition change unit in which the loan information has loan condition information that specifies the loan conditions, and the loan condition change unit changes the loan condition information contained in the loan information that is paired with the company identifier that is paired with the investment information, according to the investment information in the investment information storage unit.

This configuration can reduce the risk of lending to financial institutions. In addition, for example, it can change the loan conditions depending on the investment, and give preferential treatment to borrowers whose risk has been reduced by repaying the loan through investment.

The financial support device of the present invention may further include an investment fee acquisition unit that acquires investment fee information that identifies the investment fee, which is a fee for the investment amount identified by the investment amount information contained in the investment information stored in the investment information storage unit, and an investment fee output unit that outputs the investment fee information, in which the investment information includes investment amount information that identifies the investment amount.

This configuration ensures that revenues related to the operation of the financial support device are appropriately secured.

The financial support device of the present invention may further include a dividend information receiving unit that receives dividend information that identifies a dividend to the investor in association with a company identifier and an investor identifier, a dividend fee obtaining unit that obtains dividend fee information that is a fee for the dividend specified by the dividend information received by the dividend information receiving unit, and a dividend fee output unit that outputs the dividend fee information.

This configuration ensures that revenues related to the operation of the financial support device are appropriately secured.

The financial assistance device according to the present invention can appropriately assist financial transactions.

Block diagram of a financial support system according to an embodiment of the present invention. Block diagram of the financial support system A flowchart illustrating an example of the operation of the financial support device. FIG. 4(a) shows a company information management table of the financial support device, and FIG. 4(b) shows a loan information management table of the financial support device. FIG. 13 shows an example of the display on the investment terminal. FIG. 13 shows an example of the display on the investment terminal. FIG. 13 is a diagram showing an investment information management table for the financial support device. FIG. 13 is a diagram showing a loan information management table of the financial support device; FIG. 1 shows an example of the external appearance of the computer system. FIG. 1 is a diagram showing an example of a configuration of a computer system.

Embodiments of the financial support device and the like will be described below with reference to the drawings. Note that components with the same reference numerals in the embodiments perform similar operations, and therefore may not be described again.

(Embodiment)
FIG. 1 is a block diagram of a financial support system 1000 according to the present embodiment.
Fig. 2 is a block diagram of each bank terminal 2, investment terminal 3, and company terminal 4 of financial support system 1000. Fig. 2 shows an example in which bank terminal 2, investment terminal 3, and company terminal 4 are each connected to a network.

The financial support system 1000 comprises a financial support device 1, a bank terminal 2, one or more investment terminals 3, and one or more corporate terminals 4. The financial support device 1 is connected to each of the bank terminal 2, one or more investment terminals 3, and one or more corporate terminals 4 via wired or wireless communication lines or the like so as to enable the sending and receiving of information. For example, these are connected via a wired or wireless network such as the Internet. Here, as an example, a case is shown in which there are three or more investment terminals 3 and three or more corporate terminals 4.

The financial support device 1 includes a storage unit 11, a receiving unit 12, a processing unit 13, a transmitting unit 14, and an output unit 15. The storage unit 11 includes a company information storage unit 111, a loan information storage unit 112, and an investment information storage unit 113. The receiving unit 12 includes a loan information receiving unit 121, a transmission instruction receiving unit 122, an investment information receiving unit 123, and a dividend information receiving unit 124. The processing unit 13 includes a loan information accumulation unit 131, a judgment unit 132, an investment information accumulation unit 133, a repayment amount information acquisition unit 134, a repayment processing unit 135, a loan condition change unit 136, an investment fee acquisition unit 137, and a dividend fee acquisition unit 138. The transmitting unit 14 includes a recruitment information transmission unit 141. The output unit 15 includes an investment fee output unit 151 and a dividend fee output unit 152.

The bank terminal 2 includes a bank storage unit 21, a bank reception unit 22, a bank processing unit 23, a bank transmission unit 24, a bank reception unit 25, and a bank output unit 26.

The investment terminal 3 includes an investment storage unit 31, an investment reception unit 32, an investment processing unit 33, an investment transmission unit 34, an investment reception unit 35, and an investment output unit 36.

The company terminal 4 includes a company storage unit 41, a company reception unit 42, a company processing unit 43, a company transmission unit 44, a company reception unit 45, and a company output unit 46.

The financial support device 1 is typically a server device. For example, the financial support device 1 is a cloud server or an ASP (application server device). However, the financial support device 1 is not limited to a server device. The financial support device 1 is realized, for example, by a computer, etc.

The storage unit 11 stores multiple pieces of information. For example, the storage unit 11 stores information stored in the company information storage unit 111, the loan information storage unit 112, and the investment information storage unit 113. The storage unit 11 may also store information other than the above.

The storage unit 11 may be a non-volatile recording medium or a volatile recording medium. For example, information may be temporarily stored in the storage unit 11. Furthermore, the storage unit 11 may be physically one recording medium or may be multiple recording media. The same applies to the other storage units.

The company information storage unit 111 stores one or more pieces of company information. The company information is information including a company identifier. The company identifier is information that can identify a company. A company is an economic unit that performs economic activities. A company may be, for example, a private company such as a sole proprietor or a private shop, or a corporate company such as a joint stock company, a general partnership, a limited partnership, a limited liability company, or an agricultural cooperative. The company identifier is, for example, a company name or a code assigned to a company. The company identifier may be a representative email address or a representative telephone number of a company. Note that the company identifier is not limited to these pieces of information. The company information stored in the company information storage unit 111 and the company identifier included in the company information are usually company information and company identifiers of companies that have received loans from financial institutions such as banks. In this embodiment, the case where such company information is stored will be described below. However, the company information stored in the company information storage unit 111 and the company identifier included in the company information may include company information and company identifiers of companies that have not received loans from financial institutions such as banks, companies that are being assessed for loans, etc.

The corporate information may be, for example, information on documents for loan applications submitted to financial institutions, etc. The corporate information may be, for example, information on a company's overview such as the company's business content, operations, business scale, business form, etc., or information having basic data on the company's status such as the company's capital, capital status, management status, financial status, and capital status. The corporate information may be information contained in a securities report, etc., or information having IR (investor relations) information, etc. It may also be a rating value (e.g., rank) regarding investments rated by a rating agency, etc.

The one or more pieces of company information stored in the company information storage unit 111 may be company information including assessment information on the assessment results at a financial institution such as a bank. The assessment results at a financial institution such as a bank are, for example, the assessment results of a loan at a financial institution such as a bank. The assessment information is, for example, financial institution assessment completion information and rank information indicating the assessment results by the financial institution. For example, the financial institution assessment completion information is information on the assessment results indicating whether or not a loan is possible. The rank information is information on the rank of the company regarding the loan made in the assessment by the financial institution (for example, information indicating an indicator representing the safety of the loan or the soundness of the company's management situation, etc.).

In the following, in this embodiment, the case where the financial institution that provides the loan etc. is a bank will be described as an example. However, the financial institution is not limited to a bank, and may be, for example, a non-bank such as a venture capital firm, or a credit union. In addition, if the financial institution is not limited to a bank, the explanation of the bank in the following explanation etc. may be appropriately replaced with, for example, an explanation of the financial institution. For example, the bank terminal, bank server, etc. in the following explanation etc. may be replaced with a financial terminal, financial institution server, etc.

The loan information storage unit 112 stores loan information on loans made to companies identified by each company identifier in association with one or more company identifiers stored in the company information storage unit 111. The loan information is, for example, information having loan amount information. The loan amount information is information specifying the loan amount to a company, for example, information having the loan amount. The loan information is, for example, loan condition information. The loan condition information is information specifying the loan conditions. The loan conditions are, for example, conditions when making a loan, such as the repayment period of the loaned funds, interest rate, and the method of repayment of the principal in equal installments or equal installments of principal and interest. The loan information may also include information such as collateral.

The loan information may include information identifying the bank that provided the loan. The information identifying the bank may be, for example, the bank name or a code assigned to the bank. The bank name may include the branch name, etc. However, if the loan information stored in the loan information storage unit 112 indicates that the bank providing the loan is limited to one specific bank, the information identifying the bank may not be included. For simplicity's sake, in this embodiment, an example will be described in which the loan is provided only by a specific financial institution and the loan information does not include information identifying the financial institution. Note that, if the loan information is associated with information identifying the bank that provided the loan, the investment processing described below, repayment of the investment, dividend processing, etc. may be performed on the bank that provided the loan to the company, for example, by using the information identifying the bank included in the loan information.

The loan information storage unit 112 stores loan information, for example, in association with the company identifier of the company to which the loan is made. Storing loan information in association with the company identifier may mean, for example, storing information having loan information and a company identifier, or storing loan information in association with information such as an identifier associated with the company identifier, or storing loan information having a company identifier. This also applies to cases where other information is stored in association with an identifier such as a company identifier, or where other information is stored in the storage unit 11, etc. in association with an identifier such as a company identifier.

The investment information storage unit 113 stores investment information on investments in companies identified by each company identifier in association with one or more company identifiers stored in the company information storage unit 111. The investment information is usually stored in association with the company identifier of the company in which the investment indicated by the investment information is made. The investment information is, for example, information having investment amount information that specifies the investment amount. The investment amount information may be, for example, information having the investment amount, or information that allows the investment amount to be calculated (for example, information having the amount of investment shares and the number of investment shares). The investment information may also have, for example, an investor identifier that identifies the investment source. The investor is, for example, a user such as an investor who has made an investment. The user here may be a corporation or an individual. The investor identifier is, for example, the name of the investor or a code assigned to the investor. The investor identifier may be, for example, the investor's email address or the investor's phone number. The investment information may have one or more of information specifying the amount of dividends for the investment, information having the timing and conditions of receiving dividends, and information specifying the investment period.

The receiving unit 12 receives information to be transmitted to the financial support device 1. The information received by the receiving unit 12 is, for example, information received by the loan information receiving unit 121, the transmission instruction receiving unit 122, and the investment information receiving unit 123. The receiving unit 12 may also receive information other than the above. The receiving unit 12 is realized by a wireless or wired communication means. The receiving unit 12 may or may not be considered to include a communication device. The same applies to other receiving units, etc.

The loan information receiving unit 121 receives loan information. For example, the loan information receiving unit 121 receives loan information associated with the company identifier of the company to which the loan is to be provided. Typically, the loan information receiving unit 121 receives, in addition to the loan information, company information having a company identifier associated with this loan information. For example, the loan information receiving unit 121 receives loan information, etc. from a bank terminal 2 of the bank that provides the loan.

Note that receiving loan information associated with a corporate identifier may mean receiving a pair of a corporate identifier and loan information, or may mean receiving loan information having a corporate identifier, and as long as the loan information associated with the corporate identifier can be received as a result, the manner in which it is received is not important. The same applies to the case of receiving other information associated with an identifier such as a corporate identifier, or the case of transmitting other information associated with an identifier such as a corporate identifier. It may also mean receiving investment information having a corporate identifier.

The transmission instruction receiving unit 122 receives a transmission instruction. The transmission instruction is, for example, an instruction to request the financial support device 1 to transmit recruitment information. The recruitment information, etc. will be described later. The transmission instruction receiving unit 122 receives a transmission instruction, for example, from the investment terminal 3. The transmission instruction receiving unit 122 receives a transmission instruction associated with, for example, an identifier of the investment terminal 3 that transmits the transmission instruction. The identifier of the investment terminal 3 may be, for example, information that can identify the investment terminal 3, such as the IP address or email address of the investment terminal 3, or may be an investor identifier of the investor using the investment terminal 3. If the recruitment information transmitting unit 141, described later, transmits the recruitment information regardless of the transmission instruction, the transmission instruction receiving unit 122 may be omitted.

The investment information receiving unit 123 receives investment information related to an investment in a company identified by a company identifier, in association with the company identifier. The investment information receiving unit 123 receives, for example, investment information having an investor identifier. The investor identifier contained in the investment information is the investor identifier of the investor making the investment indicated by the investment information. The investment information receiving unit 123 receives investment information associated with a company identifier, for example, in response to the transmission of recruitment information by the recruitment information transmitting unit 141 described below. Receiving investment information in response to the transmission of recruitment information means, for example, receiving investment information entered via an input form displayed by the recruitment information, or investment information transmitted as a reply to the recruitment information.

The dividend information receiving unit 124 receives dividend information that specifies the dividend to the investor in association with the company identifier and the investor identifier. Usually, the company identifier associated with the dividend information is the company identifier of the company that pays the dividend, and the investor identifier associated with the dividend information is the investor identifier of the investor that receives the dividend. The dividend information may have dividend amount information that specifies the amount of the dividend. The dividend amount information is, for example, information that has the amount of the dividend or information that can calculate the amount of the dividend. The information that can calculate the amount of the dividend is, for example, information that indicates a ratio to the amount specified by the investment amount information in the investment information associated with the investor identifier, and the amount obtained by multiplying this ratio by the corresponding loan amount is the dividend amount specified by the dividend amount information. The dividend amount information may be, for example, the amount before the dividend fee is subtracted from the amount of the dividend provided by the company, or the amount after the dividend fee is subtracted. Usually, the amount of the dividend specified by the dividend amount information in the dividend information received by the dividend information receiving unit 124 is the amount before the dividend fee is subtracted.

The processing unit 13 performs multiple processes. The processes performed by the processing unit 13 are, for example, the processes performed by the loan information accumulation unit 131, the judgment unit 132, the investment information accumulation unit 133, and the repayment amount information acquisition unit 134. In addition to these processes, the processing unit 13 may also perform other processes.

The loan information accumulation unit 131 accumulates the loan information received by the loan information receiving unit 121 in the loan information storage unit 112. For example, the loan information accumulation unit 131 accumulates the loan information associated with the company identifier received by the loan information receiving unit 121 in the loan information storage unit 112 in association with this company identifier. In addition, the loan information accumulation unit 131 accumulates, for example, company information received by the loan information receiving unit 121 and having a company identifier associated with the loan information received by the loan information receiving unit 121 in the company information storage unit 111. As a result, for example, company information of a company to which a loan has been made is accumulated in the company information storage unit 111, and loan information related to this loan is accumulated in the loan information storage unit 112 in association with the company identifier.

The judgment unit 132 judges whether or not a company corresponding to one or more pieces of company information stored in the company information storage unit 111 will solicit investment. Since the company corresponding to the company information stored in the company information storage unit 111 is usually a company that receives loans from a bank, a company that the judgment unit 132 judges to solicit investment is usually a company that accepts loans from a bank. The judgment unit 132 does not ask about the conditions of the company that will solicit investment. For example, the judgment unit 132 may judge whether or not to solicit investment according to each piece of company information stored in the company information storage unit 111, may judge whether or not to solicit investment according to loan information associated with each company identifier stored in the loan information storage unit 112, or may judge whether or not to solicit investment for a combination of these. For example, the judgment unit 132 may judge whether or not to solicit investment according to conditions based on the company information. The condition based on the company information may be, for example, a condition on the amount of sales contained in the company information (for example, sales are equal to or greater than a threshold (for example, 100 million yen or more)) or a condition on the assessment information contained in the company information (for example, a rating indicated by the assessment information is equal to or greater than a specific rank). It may also be, for example, a condition on the loan amount indicated by the loan information (for example, the loan amount is equal to or greater than a threshold, or is equal to or less than a threshold). Note that the conditions here are merely examples, and the conditions used for the judgment are not limited to the above conditions. The judgment unit 132 may, for example, read out these conditions pre-stored in the storage unit 11 as appropriate and use them for the judgment.

For example, when the receiving unit 12 has received instructions or permission to solicit investment from a company from which the receiving unit 12 has received a loan, the judgment unit 132 may determine that the company is to solicit investment, and may treat the company as a target for judgment on soliciting investment. For example, the company information may have a flag indicating that the company has received instructions or permission to solicit investment.

The financial support device 1 may further have an investment recommendation unit (not shown) that recommends the solicitation of investments to a company or a bank. The investment recommendation unit (not shown) may recommend the solicitation of investments and output it to the bank terminal 2 or the company terminal 4. The investment recommendation unit may recommend the solicitation of investments based not only on the investment track record of the company, but also on the investment track record of companies similar to the company, the level of attention from investors, the level of attention and popularity of the company's business (expectations for market expansion, etc.), the number of SNS followers of the company, the number of shareholders, the amount of advertising, the motivation of the loan officer (in addition to the information used in the loan decision, information that was not used in the loan decision but that the loan officer obtained independently (for example, information that the plating technology of the local factory can be repurposed)), etc. Also, if the financial support system 1000 is operated by a financial institution, the investment recommendation unit may recommend the solicitation of investments based on the investment track record of companies similar to the company, the level of attention from investors, the level of attention and popularity of the company's business (expectations for market expansion, etc.), the number of SNS followers of the company, the number of shareholders, the amount of advertising, the motivation of the loan officer (information used in the loan decision, as well as information that was not used in the loan decision but that the loan officer obtained independently (for example, information that the plating technology of the local factory can be repurposed)), etc. When outputting the investment solicitation to the terminal 4, a reduction in the advance loan or interest amount may be presented on the condition that the investment is solicited. When the investment recommendation unit presents a reduction in the advance loan amount or interest amount to the company terminal 4, the reduction rate may be displayed based on the effect of publicity and advertising due to the investment solicitation (based on the idea that a situation in which investment is collected at a place where investment is solicited and a situation in which positive comments are posted is equivalent to publicity and advertising). In addition, the reduction rate for each investment application status may be displayed. This presented information can be used by the company to decide whether or not to solicit investment.

The investment information accumulation unit 133 accumulates the investment information received by the investment information receiving unit 123 in the investment information storage unit 113 in association with the company identifier. The investment information receiving unit 123 may accumulate, instead of the investment information received by the investment information receiving unit 123, investment amount information updated with investment amount information that specifies the investment amount obtained by subtracting the investment fee acquired by the investment fee acquisition unit 137, which will be described later, for the investment amount information from the amount specified by the investment amount information.

The repayment amount information acquisition unit 134 acquires repayment amount information for each company indicated by a company identifier corresponding to one or more pieces of company information stored in the company information storage unit 111. The repayment amount information is information specifying the repayment amount of the loan. The repayment amount information is, for example, information having a repayment amount. The repayment amount information acquisition unit 134 acquires repayment amount information specifying the repayment amount for repaying at least a portion of the loan to the financial institution that obtained the loan. The repayment amount information is, for example, the repayment amount when repaying the loan indicated by the loan information associated with the company identifier associated with the investment information using the investment indicated in the investment information received by the investment information receiving unit 123. The repayment amount information acquisition unit 134 acquires, for example, repayment amount information specifying a repayment amount that is an amount equal to or less than the loan amount specified by the loan amount information contained in the loan information corresponding to the company identifier and is equal to or less than the investment amount specified by the investment amount information corresponding to the company identifier.

The repayment amount information acquisition unit 134 may, for example, determine the repayment amount using a predetermined calculation method or the like to acquire the repayment amount information. For example, the repayment amount information acquisition unit 134 may determine the entire investment amount (however, if it exceeds the loan amount, the entire loan amount) as the repayment amount, or may determine a predetermined ratio (for example, 10% of the investment amount) of the investment amount (however, if it exceeds the loan amount, the entire loan amount) as the repayment amount. Also, instead of the entire loan amount, the repayment amount may be determined using a predetermined ratio (for example, 5%) of the loan amount. Also, the repayment amount information acquisition unit 134 may determine a certain amount of the investment amount (if the investment amount is less than the certain amount, the entire amount) as the repayment amount. Note that, if a part of the loan amount has already been repaid based on other investment amount information, the remaining loan amount may be used as the loan amount used in determining the repayment amount here. Note that the process of acquiring the repayment amount information here is one example, and the process of the repayment amount information acquisition unit 134 acquiring the repayment amount information is not limited to the above process.

For example, each time the investment information receiving unit 123 receives investment information associated with a company identifier, the repayment amount information acquisition unit 134 may acquire repayment amount information to be used for repaying the loan of the company identified by the company identifier, using the investment amount specified by the investment amount information contained in the investment information.

The repayment amount information acquisition unit 134 may also use one or more pieces of investment information associated with the company identifiers of each company newly received by the investment information receiving unit 123 for each predetermined period to calculate the total investment amount identified by the investment amount information contained in the investment information, and use the calculated total investment amount of each company as the investment amount of each company to acquire repayment amount information for each company.

Note that the repayment amount information acquisition unit 134 may be omitted if there is no need to acquire the repayment amount information in advance, such as when the repayment processing unit 135 described below allocates the entire investment amount indicated by the investment amount information indicated in the investment information (up to the loan amount) to repay the loan.

The repayment processing unit 135 performs repayment processing to repay the loan using the investment trust amount information contained in the investment information received by the investment information receiving unit 123. The repayment processing unit 135 performs repayment processing for the loan amount corresponding to the company identifier associated with the investment information, for example. The repayment processing unit 135 performs repayment processing for repaying the repayment amount specified by the repayment amount information acquired by the repayment amount information acquisition unit 134, for the loan amount. Repayment using the investment trust amount information means, for example, repaying the loaned funds indicated by the loan amount information with the invested funds indicated by the investment amount information.

For example, each time the investment information receiving unit 123 receives investment information, the repayment processing unit 135 performs a process of repaying the loan of the company associated with this investment information from the invested funds by the investment amount specified by the investment amount information contained in the received investment information, or by the repayment amount specified by the repayment amount information acquired by the repayment amount information acquisition unit 134 using the investment amount information contained in the received investment information. The repayment processing unit 135 may also perform a process of repaying the loan of each company from the funds invested in each company by using one or more investment information associated with the company identifier of each company received by the investment information receiving unit 123 for each predetermined period, by the total amount of investment amounts specified by the investment amount information contained in the investment information associated with the company identifier of each company newly received during the predetermined period, or by the repayment amount specified by the repayment amount information of each company acquired by the repayment amount information acquisition unit 134 using the investment amount information contained in the investment information associated with the company identifier of each company newly received during the predetermined period. Note that the timing at which the repayment processing unit 135 makes a repayment is not limited to the above-mentioned timing.

The repayment process here is, for example, a process of updating the loan amount information held by the loan information stored in the loan information storage unit 112 using the repayment amount specified by the repayment amount information acquired by the repayment amount information. For example, the repayment process is a process of updating the loan amount information held by the loan information with the loan amount information held by the loan information storage unit 112, which has the balance obtained by subtracting the repayment amount from the loan amount indicated by the loan amount information held by the loan information stored in the loan information storage unit 112 as the updated loan amount. The repayment process here may be one or more of the following: a process of recreating the repayment plan table of the loan held by the loan information with the balance of the loan amount subtracted by the repayment amount; sending an instruction to the bank terminal 2 or the bank server (not shown) to repay the loan by the repayment amount; sending information indicating that a repayment has been made, including the repayment amount, to the company terminal 4. The repayment amount here may be the full amount of the investment amount indicated by the investment amount information, as described above, or may be the repayment amount indicated by the repayment amount information acquired by the repayment amount information acquisition unit 134. In the latter case, the repayment amount information may be considered to be the repayment amount information acquired by the repayment amount information acquisition unit 134. A bank server is, for example, a server of a bank that manages the deposit accounts of companies and investment sources and processes deposits and withdrawals to those accounts.

The loan condition change unit 136 changes the loan condition information held by the loan information paired with the company identifier paired with the investment information according to the investment information in the investment information storage unit 113. For example, as the total amount of the amount specified by the investment amount information held by one or more investment information associated with one company identifier among the investment information stored in the investment information storage unit 113 increases, the loan condition information paired with this one company identifier is changed so that repayment becomes easier for the company identified by this one company identifier that is receiving the loan. For example, the loan condition change unit 136 may change the loan condition information so that the interest rate of the loan indicated by the loan condition information becomes lower in a stepwise or continuous manner as the total investment amount increases. The loan condition change unit 136 may also change the loan condition information so that the repayment period of the loan indicated by the loan condition information becomes longer in a stepwise or continuous manner as the total investment amount increases. Note that the loan condition information changed here and the process of changing the loan condition information here are examples, and the loan condition information changed by the loan condition change unit 136 and the process of changing the loan condition information are not limited to the above loan condition information and the above process.

The investment fee acquisition unit 137 acquires investment fee information that identifies an investment fee, which is a fee for the investment amount specified by the investment amount information held by the investment information accumulation unit 133. The investment fee information is, for example, information indicating the amount of the investment fee. For example, the investment fee acquisition unit 137 may acquire investment fee information that identifies, as the investment fee, an amount that is a predetermined fixed ratio (for example, 5%) of the investment amount specified by the investment amount information held by the investment information. The investment fee acquisition unit 137 may also acquire investment fee information that identifies, as the investment fee, an amount (however, an amount smaller than the investment amount) that changes stepwise (for example, increases stepwise or decreases stepwise) in accordance with an increase in the investment amount specified by the investment amount information. The investment fee acquisition unit 137 may also acquire investment fee information that identifies, as the investment fee, a predetermined fixed amount. The investment fee may also be determined so that it is a different fee for each investor. As a specific example, the investment information receiving unit 123 may receive comments for each investment case from the investment terminal 3, and the investor's fees may vary depending on the number of follows for that comment (for example, the number of times the GOOD button is pressed). Note that the investment fee information and the process for acquiring the investment fee information described here are merely examples, and the investment fee information acquired by the investment fee acquiring unit 137 and the process for acquiring the investment fee information are not limited to the above-mentioned investment fee information and the process for acquiring the above-mentioned investment fee information.

The processing unit 13 may use the investment information received by the investment information receiving unit 123 to perform a process of investing from an investment source indicated by an investment source identifier contained in the investment information to a company indicated by a company identifier associated with the investment information. For example, the processing unit 13 may perform a process of investing an amount obtained by subtracting an investment fee specified by the investment fee information acquired by the investment fee acquisition unit 137 from the investment amount specified by the investment amount information contained in the investment information received by the investment information receiving unit 123, from the investment source indicated by the investment source identifier contained in the investment information to a company indicated by a company identifier associated with the investment information. For example, the processing unit 13 may output (for example, transmit) an instruction to make such an investment to the bank terminal 2, a bank server (not shown), or the like, and use this instruction to cause a bank using the bank terminal 2, a bank server, or the like to perform the above-mentioned investment processing. The instruction to make this investment is, for example, an instruction associated with the above-mentioned company identifier and the investment source identifier. The process of making an investment may be any process for making an investment. The process of making an investment includes, for example, storing investment amount information in association with the corporate identifier of the investee company, storing information on the investment amount specified by the investment amount information minus the investment fee specified by the investment fee information in association with the corporate identifier of the investee company, and transferring the amount obtained by subtracting the investment fee specified by the investment fee information from the investment amount specified by the investment amount information to the bank account specified in the account information corresponding to the corporate identifier of the investee company.

The dividend fee acquisition unit 138 acquires dividend fee information that identifies the dividend fee, which is a fee for the dividend specified by the dividend information received by the dividend information receiving unit 124. The dividend fee information is, for example, information indicating the amount of the dividend fee. The dividend fee acquisition unit 138 acquires, for example, dividend fee information that identifies the dividend fee, which is a fee corresponding to the dividend amount specified by the dividend amount information possessed by the dividend information received by the dividend information receiving unit 124. The dividend fee acquisition unit 138 acquires dividend fee information that identifies, as the dividend fee, an amount that is a certain ratio of the dividend amount specified by the dividend information received by the dividend information receiving unit 124 (for example, the dividend amount specified by the dividend amount information). The dividend fee acquisition unit 138 may also acquire dividend fee information that identifies, as the dividend fee, an amount (however, an amount smaller than the amount of the dividend) that changes stepwise (for example, increases stepwise or decreases stepwise) according to an increase in the dividend amount specified by the dividend information received by the dividend information receiving unit 124 (for example, the dividend amount specified by the dividend amount information). The dividend commission acquisition unit 138 may also acquire dividend commission information that specifies a predetermined fixed amount as the dividend commission. Note that the dividend commission information and the process of acquiring the dividend commission information described here are merely examples, and the dividend commission information acquired by the dividend commission acquisition unit 138 and the process of acquiring the dividend commission information are not limited to the dividend commission information described above and the process of acquiring the dividend commission information described above.

The processing unit 13 may perform a process of providing the dividend specified by the dividend information (for example, the dividend amount specified by the dividend amount information contained in the dividend information) or the dividend obtained by subtracting the dividend fee specified by the dividend fee information acquired by the dividend fee acquisition unit 138 from the dividend specified by the dividend information to the investment source indicated by the investment source identifier associated with the dividend information. For example, the processing unit 13 may output (for example, transmit) an instruction to provide such a dividend to the bank terminal 2 or a bank server (not shown), and use this instruction to cause the bank using the bank terminal 2 or the bank server to perform the process of providing the dividend as described above. The instruction to provide the dividend is, for example, an instruction associated with the corporate identifier and the investment source identifier as described above. The process of providing the dividend to the investment source may be any process related to providing the dividend to the investment source. The process of giving a dividend to the investor includes, for example, a process of transferring the dividend amount specified by the dividend information received by the dividend information receiving unit 124 to an account indicated by the account information corresponding to the investor identifier, a process of transferring the dividend amount obtained by subtracting the dividend fee specified by the dividend fee information from the dividend specified by the dividend information to an account indicated by the account information corresponding to the investor identifier, and a process of transmitting information on the dividend amount to the investment terminal 3 corresponding to the investor identifier.

The transmission unit 14 transmits one or more pieces of information. The information transmitted by the transmission unit 14 is, for example, information transmitted by the recruitment information transmission unit 141. The transmission unit 14 may also transmit information other than the above. For example, when the investment information reception unit 123 receives investment information associated with a company identifier, the transmission unit 14 may transmit information indicating that an investment has been received to the company terminal 4 of the company indicated by the company identifier. The information indicating that an investment has been received is, for example, information having investment amount information and an investor identifier. Furthermore, when the dividend information reception unit 124 receives dividend information associated with an investor identifier, the transmission unit 14 may transmit information indicating that a dividend has been received to the investment terminal 3 of the investor indicated by the investor identifier. The transmission unit 14 is realized by a wireless or wired communication means. The transmission unit 14 may be considered to include or not include a communication device. The same applies to the recruitment information transmission unit 141 and the like.

The recruitment information transmission unit 141 transmits recruitment information for soliciting investment in a company identified by one or more company identifiers in association with one or more company identifiers. The company identifier here is, for example, a company identifier of a company to which a bank has provided financing, and is, for example, a company identifier stored in association with company information in the company information storage unit 111 or a company identifier associated with financing information. The recruitment information transmission unit 141 transmits, for example, recruitment information for soliciting investment in one or more companies, and includes company information for each company. The recruitment information transmission unit 141 transmits, for example, recruitment information including company information for one or more companies that the judgment unit 132 has judged to solicit investment. The company information here may be all or a part of the company information for each company stored in the company information storage unit 111.

In addition, when the company information stored in the company information storage unit 111 and the company identifier contained in this company information are company information and company identifiers of companies that have not received loans or companies for which loans are being assessed, it is preferable that the recruitment information transmitted by the recruitment information transmission unit 141 in association with the company identifiers is recruitment information associated with one or more company identifiers associated with the loan information, and is recruitment information for soliciting investments in companies identified by the one or more company identifiers. For example, the recruitment information transmission unit 141 may generate recruitment information by selecting companies soliciting investments from the company information associated with the company identifiers associated with the loan information.

The solicitation information is, for example, screen information soliciting investment in one or more companies. The screen information soliciting investment may be screen information encouraging investment. The solicitation information may be, for example, screen information for applying for investment, or screen information having a link to screen information for applying for investment. The solicitation information may be, for example, information of one or more web pages soliciting investment, or information of e-mail soliciting investment. The information of a web page is information for outputting (for example, displaying) a web page, for example, information such as an HTML file. The information of a web page soliciting investment is preferably information of a web page through which investment in a company can be applied for via a web page, such as information of a web page having an input form for applying for investment. In addition, the information of a web page that is the solicitation information may be information of a web page having a link to a web page through which such investment can be applied for. The web page soliciting investment may be a web page associated with multiple company identifiers and may be a web page soliciting investment for multiple companies identified by the multiple company identifiers, for example, a web page on which company information of each company is arranged. For example, the webpage soliciting investments may be a so-called crowdfunding webpage. Note that the screen information soliciting investments is publicly known technology, so a detailed description will be omitted.

The recruitment information is, for example, information having company information of a company identified by a company identifier corresponding to the recruitment information. The recruitment information having company information is, for example, information in which company information is displayed. The recruitment information having company information is, for example, information such as a webpage in which company information is placed, or information capable of displaying a webpage in which company information is placed. The company information contained in the recruitment information may have the above-mentioned assessment information. That is, the recruitment information may have assessment information. For example, the recruitment information may have bank assessment completion information or link information, which are assessment information. It is preferable that the assessment information of the bank assessment completion information is, for example, information that can be displayed on a screen (for example, a webpage) indicated by screen information soliciting investment. The assessment information may be, for example, image information.

The offering information may be information that includes investment conditions (for example, information that can display the conditions). Investment conditions include the amount per investment unit, the upper and lower limits of the investment amount, dividends, repayment deadlines, disclaimers, and notes. The information may also include information such as an investment agreement, and may include links to this information.

The recruitment information is, for example, screen information encouraging investment, and screen information containing company information including bank appraisal completion information.

The recruitment information transmission unit 141 generates recruitment information using, for example, the company information or loan information stored in the company information storage unit 111 or the loan information storage unit 112, and transmits the generated recruitment information. For example, when new company information or loan information is stored in the company information storage unit 111 or the loan information storage unit 112, the recruitment information transmission unit 141 generates recruitment information to solicit loans for companies including a company indicated by a company identifier corresponding to the new company information or loan information. The recruitment information transmission unit 141 may also generate recruitment information immediately before transmitting the recruitment information (for example, when the transmission instruction receiving unit 122 receives an instruction to transmit the recruitment information). However, the timing at which the recruitment information transmission unit 141 generates the recruitment information is not limited to such timing. The recruitment information transmission unit 141 may also store the generated recruitment information in the storage unit 11, etc.

The recruitment information sending unit 141 normally sends recruitment information when it receives an instruction to send recruitment information from the investment terminal 3 of the investment source. For example, the recruitment information sending unit 141 sends recruitment information to the investment terminal 3 that sent the sending instruction. However, the timing at which the recruitment information sending unit 141 sends the recruitment information is not limited to such timing. For example, when new company information or loan information is accumulated in the company information storage unit 111 or the loan information storage unit 112, or at any other arbitrary timing, the recruitment information sending unit 141 may send recruitment information by email or the like to each of one or more predetermined investment source investment terminals 3.

When the recruitment information transmission unit 141 transmits recruitment information based on a request from the company terminal 4, the recruitment information may be transmitted together with information that the investment recommendation unit (not shown) described above has recommended the company for investment.

The output unit 15 outputs a plurality of pieces of information. The information output by the output unit 15 is the information output by the investment fee output unit 151 and the dividend fee output unit 152. However, other information may be output. For example, when the dividend information receiving unit 124 receives dividend information, the output unit 15 may output (e.g., transmit) information indicating that a dividend has been received to the investment terminal 3 corresponding to the investment source identifier associated with the dividend information. The output here is a concept that includes the transmission and storage of information, the transfer of processing results to the processing unit 13 or other programs, and the giving of instructions according to the processing results. The output unit 15 may or may not include an output device. The output unit 15 is realized by driver software for an output device, or driver software for an output device and an output device. The same applies to the investment fee output unit 151, the dividend fee output unit 152, and other output units.

The investment fee output unit 151 outputs the investment fee information acquired by the investment fee acquisition unit 137. For example, the investment fee output unit 151 outputs the investment fee information in association with the company identifier of the investee company and the investor identifier of the investor. The output of the investment fee information here is an output for collecting the investment fee indicated by the investment fee information from the investor corresponding to the investment information used to acquire the investment fee information. The output of the investment fee information here is an output for collecting the investment fee indicated by the investment fee information from the investor corresponding to the investment information used to acquire the investment fee information, such as storing the investment fee information in the storage unit 11, outputting an instruction to the bank terminal 2, a bank server (not shown), the processing unit 13, etc. to collect the investment fee indicated by the investment fee information from the bank account of the investor corresponding to the investment information used to acquire the investment fee information, and transmitting the investment fee information to the investment terminal 3. The process of collecting the investment fee may be a process of collecting the investment fee from the investment amount specified by the investment amount information. In this case, for example, the investment information accumulation unit 133 etc. accumulates in the investment information storage unit 113 investment information having investment amount information updated with the investment amount specified by the investment amount information minus the investment fee.

The dividend fee output unit 152 outputs the dividend fee information acquired by the dividend fee acquisition unit 138. For example, the dividend fee output unit 152 outputs the dividend fee information in association with the company identifier of the company that provides the dividend and the investment source identifier of the investment source that is the dividend recipient. The output of the dividend fee information here is an output for collecting the dividend fee indicated by the dividend fee information from the company that provides the dividend and the investment source that receives the dividend. For example, the output of the dividend fee information may be an output for collecting the dividend fee indicated by the dividend fee information from the dividend specified by the dividend information used to acquire the dividend fee information. The output of the dividend fee information here is, for example, accumulation of the dividend fee information in the storage unit 11, etc., output of an instruction to collect the dividend fee indicated by the dividend fee information from the bank account of the investment source corresponding to the dividend information used to acquire the dividend fee information to the bank terminal 2, a bank server (not shown), the processing unit 13, etc., transmission of the dividend fee information to the investment terminal 3, etc. The process of collecting the dividend fee may be, for example, a process of collecting the dividend fee from the dividend amount specified by the dividend amount information contained in the dividend information received by the dividend information receiving unit 124. In this case, for example, the transmitting unit 14 transmits information having the amount obtained by subtracting the dividend fee as the dividend amount to the investment terminal 3 of the investor as information indicating that a dividend has been paid.

Here, for example, the storage unit 11 may store a database (not shown) that manages information on the accounts of the company receiving the loan and the accounts of the investors, and the processing unit 13 may use this account information to perform processing such as loans according to the loan information, investments according to the investment information, repayment of loans, dividends to the investors, collection of investment fees, and collection of dividend fees.

The processing unit 13 may, for example, deposit the loan amount specified by the loan amount information contained in the loan information received by the loan information receiving unit 121 into the account of the company to which the loan is made.

The processing unit 13 may, for example, use the investment information received by the investment information receiving unit 123 to transfer the investment amount specified by the investment amount information contained in the investment information from the investor's account to the investee company's account (i.e., subtract the investment amount from the balance in the investor's account and add the investment amount to the balance in the investee company's account). Then, when the investment fee information is acquired, the investment fee specified in the investment fee information may be collected from the investor or investee company. Alternatively, instead of the above processing, the processing unit 13 may subtract the investment amount from the balance in the investor's account and add the investment amount, minus the investment fee specified by the investment fee information acquired by the investment fee acquisition unit 137, to the balance in the investee company's account, so that the bank collects the investment fee.

The repayment processing unit 135 of the processing unit 13 may also collect the repayment amount specified by the repayment amount information acquired by the repayment amount information acquisition unit 134 from the account of the company making the loan repayment and pass it on to the bank.

The processing unit 13 may also transfer the dividend amount specified by the dividend amount information contained in the dividend information from the account of the company that sent the dividend information to the account of the investment source that is the dividend destination (i.e., subtract the dividend amount from the balance in the account of the company that sent the dividend information and add the dividend amount to the balance in the account of the investment source that is the dividend destination). Then, when the dividend fee information is acquired, the dividend fee specified in the dividend fee information may be collected from the investment source or investment destination company. Alternatively, instead of the above processing, the processing unit 13 may subtract the dividend amount from the balance in the account of the company that sent the dividend information and add the dividend amount minus the dividend fee specified by the dividend fee information acquired by the dividend fee acquisition unit 138 to the balance in the account of the investment source that is the dividend destination, so that the bank collects the dividend fee.

Note that processing similar to that performed by the processing unit 13 described here may be performed by the bank server or the like.

The bank terminal 2 is an information processing terminal device used by the bank. The bank terminal 2 can be realized, for example, by a personal computer, a tablet terminal, a smartphone, etc.

The bank storage unit 21 stores one or more pieces of information. For example, the bank storage unit 21 stores information accepted by the bank acceptance unit 22 (described later) and information received by the bank reception unit 25. Here, the storage may be temporary.

The bank reception unit 22 receives input from a bank (e.g., a bank employee, etc.). The reception of input here may be the reception of an operation, or may be the reception of input information, etc. The bank reception unit 22 receives instructions to provide a loan to a company. The instructions to provide a loan include, for example, information similar to the information contained in the loan information, such as the company identifier of the loan recipient company and the loan amount. The bank reception unit 22 may also receive input of information necessary for creating company information for a company that is determined to be eligible for a loan as a result of the assessment. The reception here includes, for example, reception from an input means, reception of an input signal transmitted from another device, reading of information from a recording medium, etc. The input means may be anything, such as a touch panel, a keyboard, a mouse, or a menu screen. The bank reception unit 22 may be realized by a device driver for an input means such as a numeric keypad or keyboard, or control software for a menu screen. The same applies to the other reception units.

The bank processing unit 23 performs one or more processes. For example, the bank processing unit 23 generates loan information and company information including a company identifier corresponding to the loan information in response to an instruction to provide a loan received by the bank reception unit 22 and information necessary for creating company information. The bank processing unit 23 also generates information that instructs a bank server (not shown) or the like to provide a loan.

The bank processing unit 23 also generates information instructing a bank server (not shown) or the like to make an investment in response to an instruction to make an investment received by a bank receiving unit 25 described later from the financial support device 1. The bank processing unit 23 also generates information instructing a bank server (not shown) or the like to collect an investment fee, for example, using a company identifier received by a bank receiving unit 25 described later from the financial support device 1 and investment fee information associated with an investor identifier.

The bank processing unit 23 also generates information to instruct a bank server (not shown) or the like to repay the loan in response to an instruction to repay the loan, which includes information on the repayment amount, etc., received from the financial support device 1 by the bank receiving unit 25 described below.

The bank processing unit 23 may also generate information instructing a bank server (not shown) or the like to make a dividend in response to an instruction to make a dividend received by the bank receiving unit 25 described later from the financial support device 1. The bank processing unit 23 may also generate information instructing a bank server (not shown) or the like to collect a dividend fee, using, for example, the company identifier of the company making the dividend received by the bank receiving unit 25 described later and dividend fee information associated with the investor identifier of the investment source to which the dividend is to be paid.

The bank transmission unit 24 transmits one or more pieces of information. For example, the bank transmission unit 24 transmits the loan information acquired by the bank processing unit 23 and company information including a company identifier corresponding to the loan information to the financial support device 1.

The bank receiving unit 25 receives one or more pieces of information from the financial support device 1, etc. The bank receiving unit 25 may receive, for example, from the financial support device 1, information instructing the making of an investment that is associated with investment amount information, a dividend source identifier, a company identifier, etc. Also, the bank receiving unit 25 receives, for example, from the financial support device 1, information instructing the making of loan repayment that is associated with a company identifier and information indicating the repayment amount, etc.

The bank receiving unit 25 receives, for example, information instructing the making of an investment having investment amount information associated with a company identifier and an investor identifier, and instructions to collect an investment fee associated with investment fee information associated with the company identifier and the investor identifier from the financial support device 1.

The bank receiving unit 25 receives, for example, instructions from the financial support device 1 to make a dividend having dividend amount information etc. associated with the company identifier and the investor identifier, and instructions to collect a dividend fee having dividend fee information etc. associated with the company identifier and the investor identifier.

The bank output unit 26 outputs one or more pieces of information. For example, the bank output unit 26 outputs information generated by the bank processing unit 23 instructing to make a loan, information instructing to make an investment, information instructing to repay a loan, information instructing to collect an investment fee, information instructing to make a dividend, information instructing to collect a dividend fee, etc. to a bank server (not shown). The bank server (not shown) performs processing such as loans, investments, repayment, collection of investment fees, dividends, and collection of dividend fees, for example, in accordance with these pieces of information. These processing performed by the bank server, etc. are publicly known technologies, so detailed explanations are omitted here. Note that instead of outputting (for example, transmitting) the information instructing to make the above-mentioned loans or investments to the bank server, the information may be displayed on a monitor or printed out and transmitted to a department or the like that processes the loans or investments, etc., or the information may be transmitted to a department or the like that processes the loans or investments, etc., so that the loans or investments, etc. are processed manually or automatically in the department or the like that processes the loans or investments, etc.

Note that in cases where the financial support device 1 or a bank server (not shown) processes loans, investments, etc., and there is no need to transmit information from the financial support device 1 to the bank terminal 2, the bank terminal 2 may be omitted.

The investment terminal 3 is an information processing terminal device used by an investment source such as an investor. The investment terminal 3 can be realized, for example, by a so-called personal computer, a tablet terminal, a smartphone, etc.

The investment storage unit 31 stores one or more pieces of information. For example, the investment storage unit 31 stores information accepted by the investment acceptance unit 32 (described below) and information received by the investment reception unit 35. The storage here may be temporary.

The investment reception unit 32 receives input from the investment source. The reception of the input here may be reception of an operation, or may be reception of information to be input. The investment reception unit 32, for example, receives an operation to request transmission of recruitment information. For example, the investment reception unit 32 receives information such as a URL (Uniform Resource Locator) of the recruitment information, which is a web page. The investment reception unit 32 may also receive an operation to make an investment. The operation to make an investment is, for example, an operation performed via an input form for accepting investment in the recruitment information, which is a web page output by the investment output unit 36 described later on a monitor (not shown), etc., and is an operation to apply for investment in a company indicated by one or more company identifiers indicated by the recruitment information. This operation is, for example, an operation to input information required for application for investment, such as the company identifier of the investment destination company, the amount of investment, and the investment source identifier of the investment source. However, the operation to accept investment is not limited to this operation, and for example, the investment book may apply for investment to a bank, etc. by telephone, email, etc. Note that the input accepted by the investment reception unit 32 is not limited to the above input.

The investment processing unit 33 performs one or more processes. For example, the investment processing unit 33 generates a transmission instruction for recruitment information (e.g., request information for a web page having an input URL, etc.) in response to an operation requesting the transmission of recruitment information received by the investment receiving unit 32. The investment processing unit 33 also generates investment information in response to an operation to make an investment received by the investment receiving unit 32. For example, the investment processing unit 33 generates investment information having a company identifier, investment amount, and investor identifier input in the operation to make an investment. Note that the processes performed by the investment processing unit 33 are not limited to the above processes.

The investment transmission unit 34 transmits one or more pieces of information. For example, the investment transmission unit 34 transmits an instruction to transmit the recruitment information generated by the investment processing unit 33 to the financial support device 1 in association with the investor identifier. In addition, the investment transmission unit 34 transmits the investment information generated by the investment processing unit 33 to the financial support device 1. Note that the information transmitted by the investment transmission unit 34 is not limited to the above information.

The investment receiving unit 35 transmits one or more pieces of information. The investment receiving unit 35 receives, for example, recruitment information transmitted by the financial support device 1. The investment receiving unit 35 receives, for example, recruitment information transmitted by the financial support device 1 in response to information requesting recruitment information transmitted by the investment transmitting unit 34. Note that the information received by the investment receiving unit 35 is not limited to the above information. The investment receiving unit 35 may receive, for example, information indicating that a dividend has been received transmitted by the financial support device 1. The investment receiving unit 35 may also receive, for example, information transmitted by the financial support device 1 other than the above.

The investment output unit 36 outputs one or more pieces of information. The investment output unit 36 outputs, for example, the recruitment information received by the investment receiving unit 35, information indicating that a dividend has been received, etc. For example, the investment output unit 36 displays this information on a monitor (not shown), etc. Note that the output performed by the investment output unit 36 is not limited to the above outputs. For example, information other than the above received by the investment receiving unit 35 may be output (for example, displayed).

The company terminal 4 is an information processing terminal device used by a company. The company terminal 4 can be realized, for example, by a computer, etc.

The company storage unit 41 stores one or more pieces of information. For example, the investment storage unit 31 stores information accepted by the company reception unit 42 (described below) and information received by the company reception unit 45. The storage here may be temporary.

The company reception unit 42 accepts input from a company (e.g., a user belonging to the company). The input reception here may be the reception of an operation, or may be the reception of input information, etc. The company reception unit 42, for example, accepts information necessary for a loan application. The information necessary for a loan application, for example, accepts input of information having one or more pieces of information similar to the information contained in the above-mentioned company information, excluding the assessment information. In addition, the company reception unit 42 accepts input of information having dividend amount information that specifies the amount of dividend, which is associated with the investment source identifier of the investment source that is the dividend destination. In addition, the company reception unit 42 may accept information indicating whether or not the financial support device 1 is allowed to solicit investment for the company. Note that the inputs accepted by the company reception unit 42 are not limited to the above-mentioned inputs.

The company processing unit 43 performs one or more processes. For example, the company processing unit 43 generates application information to be submitted to apply for a loan, based on the information for applying for a loan received by the company reception unit 42. In addition, the company processing unit 43 generates dividend information, for example, using information having dividend amount information associated with the investment source identifier received by the company reception unit 42. Note that the processes performed by the company processing unit 43 are not limited to the above processes.

The company transmission unit 44 transmits one or more pieces of information. For example, the company transmission unit 44 transmits application information for applying for a loan generated by the company processing unit 43 to the bank terminal 2, etc. In addition, the company transmission unit 44 transmits, for example, dividend information generated by the company processing unit 43 to the financial support device 1 in association with an investor identifier and a company identifier. In addition, the company transmission unit 44 may transmit information indicating whether or not the investment accepted by the company acceptance unit 42 may be solicited to the financial support device 1. Note that the information transmitted by the company transmission unit 44 is not limited to the above information.

The corporate receiving unit 45 transmits one or more pieces of information. For example, the corporate receiving unit 45 may receive information indicating that an investment has been received from the financial support device 1. Note that the information received by the corporate receiving unit 45 is not limited to the above information.

The company output unit 46 outputs one or more pieces of information. For example, the company output unit 46 outputs (for example, displays on a monitor, not shown) information indicating that the company receiving unit 45 has received an investment. Note that the output performed by the company output unit 46 is not limited to the above-mentioned output. For example, the company output unit 46 may display on a monitor, not shown, information for displaying an input screen for inputting information necessary to apply for a loan that is stored in advance in the company storage unit 41, or an input screen for accepting input of information that is associated with the investment source identifier of the investment destination and has dividend amount information that specifies the amount of the dividend.

Next, an example of the operation of the financial support device 1 of the financial support system 1000 will be described using the flowchart in Figure 3.

(Step S101) The loan information receiving unit 121 determines whether loan information associated with a company identifier has been received from the bank terminal 2, etc. For example, it is preferable for the loan information receiving unit 121 to determine whether loan information associated with a company identifier and company information having this company identifier have been received from the bank terminal 2, etc. If received, proceed to step S102, and if not received, proceed to step S103.

(Step S102) The loan information accumulation unit 131 accumulates the loan information associated with the company identifier received in step S101 in the loan information storage unit 112 in association with the company identifier. For example, the loan information accumulation unit 131 accumulates the loan information associated with the company identifier received in step S101 in association with the company identifier in the loan information storage unit 112, and accumulates the company information received in step 101 having this company identifier in the company information storage unit 111. Then, the process returns to step S101.

(Step S103) The transmission instruction receiving unit 122 determines whether a transmission instruction has been received from one of the investment terminals 3. If so, proceed to step S104; if not, proceed to step S107.

(Step S104) The judgment unit 132 uses each piece of company information to judge whether the company indicated by the company information stored in the company information storage unit 111 is eligible to solicit investment.

(Step S105) The recruitment information sending unit 141 generates recruitment information that has the company identifiers of one or more companies that have been determined in step S104 to be eligible to solicit investment, and is information soliciting investment for each company. The recruitment information can be dynamically generated, for example, using a template or the like that is pre-stored in the storage unit 11.

(Step S106) The recruitment information transmission unit 141 transmits the recruitment information generated in step S105 to the investment terminal 3 that is the source of the transmission instruction received in step S103.

(Step S107) The investment information receiving unit 123 determines whether investment information associated with the company information has been received from one of the investment terminals 3. This investment information is, for example, investment information sent from the investment terminal 3 in response to the sending of the recruitment information sent in step S105. If it has been received, proceed to step S108; if it has not been received, proceed to step S114.

(Step S108) The investment fee acquisition unit 137 acquires investment fee information using the investment information received in step S107. For example, the investment fee information is acquired using the investment amount specified in the investment amount information contained in the investment information.

(Step S109) The investment information accumulation unit 133 accumulates the investment information received in step S107 in the investment information storage unit 113 in association with the investor's investor identifier and the investee's company identifier. The investment information accumulation unit 133 may accumulate in the investment information storage unit 113, for example, the investment amount determined by subtracting the investment fee determined by the investment fee information acquired in step 108 from the investment amount determined by the investment information received in step S107.

(Step S110) The investment fee output unit 151 outputs the investment fee information acquired in step S108 in association with the investor identifier of the investor that sent the investment information and the company identifier of the investee company. For example, by outputting this information to the bank terminal 2 or a bank server (not shown), the investment fee is collected from the investor making the investment or the company receiving the investment. When the processing unit 13 performs a process of collecting the investment fee using the investment information received in step S107, this information may be output to the processing unit 13. Note that, depending on the investment information received in step S107, the processing unit 13 may output to the bank terminal 2 or the bank server (not shown) an instruction to make an investment, for example, an instruction to perform a process of transferring funds specified by the investment information from the investor to the investee company, so that the actual investment is made.

The investment information accumulation unit 133 may accumulate in the investment information storage unit 113 the investment amount obtained by subtracting the investment fee specified by the investment fee information acquired in step 108 from the investment amount specified by the investment information received in step S107. In accordance with the investment fee information output by the investment fee output unit 151, the bank may, for example, receive the investment amount specified by the investment information received in step S107 from the investor and deposit the investment amount minus the investment fee to the investee company, thereby enabling the bank to obtain an investment fee from the investment. In this case, the process of collecting the investment fee described in step S110 may be omitted.

(Step S111) The repayment amount information acquisition unit 134 acquires repayment amount information specifying the repayment amount of the loan for the company indicated by the company identifier associated with the investment information accumulated in step S110, using the loan information and investment information associated with this company.

(Step S112) The repayment processing unit 135 uses the repayment amount information acquired in step S111 to perform processing to repay the loan to the company indicated by the company identifier associated with the investment information accumulated in step S110. For example, an instruction to perform processing to repay the loan having the repayment amount information, etc., is output (e.g., transmitted) to the bank terminal 2 or a bank server (not shown) in association with the company identifier. Note that when the processing unit 13 performs the loan repayment processing, this information may be output to the processing unit 13.

(Step S113) Using the investment information associated with the company identifier associated with the investment information accumulated in step S110, change the loan condition information of the company indicated by this company identifier, which is stored in the loan information associated with this company identifier. Note that if there is no change to the loan condition information, no change is required. Then, return to step S101.

(Step S114) The dividend information receiving unit 124 determines whether dividend information has been received from the company terminal 4, etc. For example, the dividend information receiving unit 124 determines whether dividend information associated with a company identifier and an investor identifier has been received. If dividend information has been received, the process proceeds to step S115; if not, the process proceeds to step S101.

(Step S115) The dividend fee acquisition unit 138 acquires the dividend fee information using the dividend information received in step S114. For example, the dividend fee acquisition unit 138 acquires the dividend fee information using the dividend amount information contained in the dividend information.

(Step S116) The dividend fee output unit outputs the dividend fee information acquired in step S115 in association with the company identifier and the investor identifier associated with the dividend information. For example, an instruction to collect the dividend fee having this information is output to the bank terminal 2 or a bank server (not shown), etc., to collect the dividend fee from the company that pays the dividend or the investor that receives the dividend. Note that when the processing unit 13 performs processing to collect the investment fee, this information may be transmitted to the processing unit 13.

(Step S117) The processing unit 13 performs a process of giving a dividend from the invested company to the investor using the dividend information received in step S114. For example, the processing unit 13 instructs the bank terminal 2 or the bank server (not shown) to give the dividend from the company to the investor, the dividend specified by the dividend amount information contained in the dividend information associated with the company identifier or the investor identifier, and causes the bank or the like to execute the process of giving the dividend. In this process of giving the dividend, for example, the bank may deposit the dividend amount obtained by subtracting the dividend fee specified by the dividend fee information acquired in step 115 and output in step S116 from the dividend amount specified by the dividend information received in step S114 as a dividend to the investor, and may receive the dividend amount specified by the dividend information received in step S114 from the company that pays the dividend, so that the bank can receive the dividend fee from the dividend given by the company. Then, the process returns to step S101.

In the flowchart in Figure 3, processing ends when the power is turned off or an interrupt occurs to end processing.

Next, an example of the operation of banking terminal 2 will be briefly described.
When the bank receiving unit 25 receives loan application information and the like from one of the company terminals 4, the received application information is stored in the bank storage unit 21. Using the stored application information and the like, the bank assesses, for example, whether a loan can be granted to the company using the one of the company terminals 4.

When it is determined that a loan is available for a company, and the bank reception unit 22 receives, for example, instructions to provide a loan to the company, information related to the loan, and information about the company used in the appraisal, the bank processing unit 23 generates loan information associated with the company identifier and the corresponding company information, and the bank transmission unit 24 transmits this loan information and the company information to the financial support device 1. The bank processing unit 23 also generates information that instructs a bank server (not shown) or the like to execute the loan, and the bank output unit 26 outputs this instruction to the bank server (not shown) or the like. For example, in response to this instruction, the bank server or the like processes the loan (for example, deposits the loan amount into the company's account), etc.

When the bank receiving unit 25 receives an instruction to make an investment or to pay an investment fee from the financial support device 1, the bank processing unit 23 creates an instruction to make an investment or to collect an investment fee, and the bank output unit 26 outputs this instruction to a bank server (not shown) or the like. For example, in response to this instruction, the bank server or the like performs processing such as making an investment or collecting an investment fee.

When the bank receiving unit 25 receives an instruction to pay a dividend or an instruction to pay a dividend fee from the financial support device 1, the bank processing unit 23 creates an instruction to pay a dividend or an instruction to collect a dividend fee, and the bank output unit 26 outputs this instruction to a bank server (not shown) or the like. For example, in response to this instruction, the bank server or the like performs processing such as paying a dividend or collecting a dividend fee.

In addition, when the bank receiving unit 25 receives, for example, from the financial support device 1, an instruction to repay the loan using investment for one or more companies, the bank processing unit 23 generates an instruction to repay the loan using investment and outputs the generated instruction to a bank server (not shown) or the like. In response to this instruction, for example, the bank server or the like performs processing to repay the loan using investment for one or more companies that have received a loan.

Next, an example of the operation of the investment terminal 3 will be briefly described.
When the investment receiving unit 32 receives an operation from the investment source requesting the transmission of recruitment information, the investment processing unit 33 generates an instruction to transmit the recruitment information, and the investment transmitting unit 34 transmits the instruction to transmit the recruitment information to the financial support device 1.

When the investment receiving unit 35 receives the recruitment information transmitted from the financial support device 1, the investment processing unit 33 temporarily stores the received recruitment information in the investment storage unit 31, and the investment output unit 36 displays the temporarily stored recruitment information on a monitor (not shown) of the investment terminal 3, etc.

When the investment reception unit 32 receives an operation to invest in a company via the recruitment information displayed on the monitor, the investment processing unit 33 generates investment information, and the investment transmission unit 34 transmits the investment information, etc. to the financial support device 1.

When the investment receiving unit 35 receives information from the financial support device 1 indicating that a dividend has been paid, the investment processing unit 33 stores the received information in the investment storage unit 31, and the investment output unit 36 displays the stored information on a monitor (not shown) of the investment terminal 3, etc.

Next, we will briefly explain an example of the operation of the company terminal 4.

When the company reception unit 42 receives information for applying for a loan, the company processing unit 43 generates loan application information, and the company transmission unit 44 transmits the generated application information to the bank terminal 2.

When the company receiving unit 45 receives information indicating that a loan has been made from the bank terminal 2 or the like, the company processing unit 43 stores the received information in the company storage unit 41, and the company output unit 46 displays the stored information on a monitor (not shown) of the company terminal 4 or the like.

When the company receiving unit 45 receives information indicating that an investment has been made from the financial support device 1 or the like, the company processing unit 43 stores the received information in the company storage unit 41, and the company output unit 46 displays the stored information on a monitor (not shown) of the company terminal 4, etc.

When the company reception unit 42 receives information indicating that dividends are to be paid to one or more investment sources, the company processing unit 43 generates dividend information, etc., and the company transmission unit 44 transmits the generated dividend information to the financial support device 1.

The operation of the financial support system 1000 in this embodiment will be described below with a specific example. Here, it is assumed that the financial support device 1 is a server, and the bank terminal 2, the investment terminal 3, and the company terminal 4 are all computers with monitors.

First, in order to obtain a loan from a bank, an employee of company A inputs the information required for the loan application, such as the company name "ABC Industries", capital, financial situation, and loan amount, into the company reception unit 42 of company A's company terminal 4, and performs an operation to transmit this information to the bank terminal 2. The company processing unit 43 uses the input information to generate application information to be submitted to apply for the loan, and the company transmission unit 44 transmits the generated application information to the bank terminal 2.

When the bank receiving unit 25 of the bank terminal 2 receives the above application information from the company terminal 4 of company A, the bank processing unit 23 stores the received information in the bank storage unit 21, and the bank output unit 26 displays the stored application information on a monitor (not shown) of the bank terminal 2. A bank employee using the bank terminal 2 uses the application information displayed on the monitor and information about company A that the bank employee has collected to assess whether to grant the loan.

Here, for example, it is assumed that the assessment result indicates that the loan may be granted. In this case, when the bank employee inputs information indicating that the loan has been granted to the bank reception unit 22 of the bank terminal 2 and performs an operation to transmit this information to the company terminal 4 of company A, the bank transmission unit 24 transmits information indicating that the loan has been granted to the company terminal 4 of company A, the company reception unit 45 of the company terminal 4 of company A receives this information, the company processing unit 43 stores the received information in the company storage unit 41, and the company output unit 46 displays the received information on the monitor (not shown) of the company terminal 4. Note that if the assessment result indicates that the loan is not granted, information indicating that the loan is not granted is transmitted instead of indicating that the loan is granted.

When the loan has been approved, a bank employee or the like inputs an instruction to the bank reception unit 22 of the bank terminal 2 to provide a loan to Company A for the amount indicated in the loan information. The bank processing unit 23 of the bank terminal 2 creates an instruction to cause the bank server (not shown) to execute the loan corresponding to this instruction, and the bank output unit 26 outputs the created instruction to the bank server. As a result, the bank deposits the loan amount into Company A's bank account.

In addition, for company A that has been granted a loan, the bank employee prepares the company identifier, loan amount, loan conditions, company information used for the appraisal, appraisal information such as financial institution appraisal completion information and the company rank determined in the appraisal, and other information necessary for creating the loan information and company information, and inputs this information into the bank reception unit 22. The bank processing unit 23 uses this information to create company information and loan information, associates the created company information with the loan information, and sends it to the financial support device 1. The company information is assumed to be information that includes company A's company identifier "C121". The company identifier here is assumed to be a code assigned to the company.

When the loan information receiving unit 121 of the financial support device 1 receives company information and loan information, the loan information accumulation unit 131 accumulates the received company information in the company information storage unit 111, and accumulates the received loan information in the loan information storage unit 112 in association with the company identifier "C121" contained in the received company information.

4(a) is a company information management table for managing the company information stored in the company information storage unit 111. The company information management table has attribute values such as "company ID", "company name", "capital", "business content", "bank loan", and "rank". "Company ID" is a company identifier, "company name" is a company name, "capital" is a company's capital, "business content" is a company's business content, and "bank loan" is information on the loan assessment result of whether or not the bank has provided a loan, which corresponds to the financial institution assessment completion information, and the value "1" indicates that the loan has been provided, and the value "0" indicates that the loan has not been provided. Here, since only the company information of companies that have provided a loan is stored, all values are "1". "Rank" is company rank information indicating the safety of the loan judged at the time of the loan assessment, and the value "A" indicates a high evaluation (i.e., high safety), the value "B" indicates the next highest evaluation, and the value "C" indicates a low evaluation. "Bank loan" and "rank" correspond to the above-mentioned assessment information. In addition, the company information may have an image of the company to be displayed in the recruitment information. In the company information management table, each row represents a record of company information.

Figure 4 (b) is a loan information management table that manages the loan information stored in the loan information storage unit 112. The loan information management table has information such as "Company ID," "Loan recipient," "Loan amount," "Collateral," "Repayment period," and "Interest rate." "Company ID" is the company identifier, "Loan recipient" is the name of the borrower's company, "Loan amount" is loan amount information indicating the amount loaned, "Collateral" is the collateral for the loan, "Repayment period" is the repayment period, and "Interest rate" is the interest rate on the loan (specifically, the annual interest rate). In the loan information management table, each row represents a record of each loan information. Here, the attribute values of "Repayment period" and "Interest rate" are assumed to be loan condition information.

When investor B, using one investment terminal 3, inputs the URL of a webpage containing recruitment information designated in advance by a bank or the like into the investment reception unit 32 of the investment terminal 3 in order to make an investment, the investment processing unit 33 creates a transmission instruction requesting the transmission of the recruitment information having the input URL, and the investment transmission unit 34 transmits this transmission instruction. If this URL is the URL of the webpage containing the recruitment information transmitted by the financial support device 1, this transmission instruction is transmitted to the financial support device 1, and the transmission instruction receiving unit 122 of the financial support device 1 receives the transmission instruction for the recruitment information transmitted from investor B's investment terminal 3.

When the transmission instruction receiving unit 122 receives an instruction to transmit recruitment information, the judgment unit 132 uses the company information of each company stored in the company information storage unit 111 to judge whether or not it is acceptable to solicit investment for each company. In this case, if the condition for judging that it is acceptable to solicit investment is that the value of the company's "capital" is "20 million yen" or more, the judgment unit 132 detects a record (row) in the company information management table shown in FIG. 4(a) where the value of "capital" is "20 million yen" or more, reads out the information of the detected record, and temporarily stores it in the storage unit 11, etc. For example, here, it is judged that a plurality of company information including the company information of company A with a company identifier "C121" is acceptable to solicit investment.

For ease of explanation, the conditions are expressed in natural language here, but the actual conditions may be composed of, for example, one or more functions corresponding to these natural languages, method names, or control syntax indicated by "if", "then", etc. The conditions may also be algorithms for performing judgment processing corresponding to the natural language. The same applies to other conditions. The conditions here can be used by reading out those that have been stored in advance in the storage unit 11, etc.

The recruitment information sending unit 141 generates recruitment information, which is information having a company identifier and soliciting investment for each company, using the company information of one or more companies that the judgment unit 132 reads out and temporarily stores after judging that it is acceptable to solicit investment. The recruitment information is, for example, information on a webpage generated by arranging information such as the company identifier of each piece of company information into a template (not shown) that is pre-stored in the storage unit 11. This recruitment information is information on a webpage linked to a webpage having an input form for accepting investment for each company. Note that the process of dynamically generating a webpage by arranging information extracted from a database or the like into a template is a known technology, and therefore a detailed explanation will be omitted.

Then, the recruitment information transmission unit 141 transmits the generated recruitment information to the investment terminal 3 of investor B, which is the source of the instruction to transmit the above recruitment information.

Figure 5 shows an example of recruitment information displayed on the monitor 36a of the investment terminal 3.

When the investment receiving unit 35 of investor B's investment terminal 3 receives the recruitment information from the financial support device 1, the investment processing unit 33 temporarily stores the received recruitment information in the investment storage unit 31, and the investment output unit 36 displays the temporarily stored recruitment information on the monitor 36a of the investment terminal 3 as shown in FIG. 5.

As shown in FIG. 5, the recruitment information displayed on the monitor 36a is a webpage in which information on one or more (here, multiple) companies that have been determined to be eligible for investment is arranged for each company. The information on each company arranged in the recruitment information is, for example, information that includes at least a portion of the company information and loan information corresponding to each company. As described above, the company information here is information on each company to which a loan has been made, and is information used in the assessment of the loan. For example, the company information arranged in the recruitment information includes the company name, capital, business content, and assessment information (for example, the presence or absence of bank loans and rank). The loan amount, etc. may or may not be arranged. Also, here, a button for making an investment in each company is arranged near the information on each company. Each button is linked to a webpage having an input form for accepting investment in each company, and by pressing each button, a webpage having an input form for accepting investment in the company corresponding to the button is displayed. The information on each company arranged in the recruitment information may include the conditions of the investment (for example, the unit of investment (the amount of a share), an explanation of dividends, the investment period, the presence or absence of principal guarantee, etc.). These conditions may be conditions specified by each company, or may be conditions determined by certain or specific rules that are specified in advance in a template or the like. Here, the investment conditions are assumed to be placed on a web page that has an input form for applying for an investment.

Figure 6 shows an example of a web page having an input form for applying for an investment that is displayed on monitor 36a.

After viewing the recruitment information, investor B presses the investment button 50 located adjacent to the information on company A, whose name is "ABC Industries" displayed in the recruitment information, to invest in this company A. As shown in FIG. 6, this displays a web page with an input form for applying for an investment in company A, whose name is "ABC Industries". This input form is an input form for information on the investor, such as the number of investment units, the investor's investor identifier, and the investor's name. Here, the investor identifier is assumed to be a code assigned to the investor. For example, the investor identifier for investor B is assumed to be "R523". The investment unit here is assumed to be "100,000 yen" per unit.

Then, when investor B inputs the number of shares to be invested ("50"), information about the investor, and other information into the input form and performs an operation to send the information of this input form (for example, an operation of pressing the send button, etc.), the investment processing unit 33 generates investment information having the investee's company identifier "C121" and the investor's investor identifier "R523" from the information entered into the input form, and the investment sending unit 34 sends the generated investment information to the financial support device 1. Assume that this investment information has, as investment amount information, information indicating that an investment of "50 shares" will be made, and "100,000 yen" which is the investment amount per share. Note that the data format of the investment amount information is not important.

When the investment information receiving unit 123 of the financial support device 1 receives investment information from the investment terminal 3 of investor B, the investment fee acquisition unit 137 identifies the investment amount using the investment amount information contained in the investment information. Here, the investment amount of "5 million yen" is identified from the above investment amount information contained in the investment information. Then, the investment fee acquisition unit 137 acquires the investment fee using this investment amount information. Specifically, the investment fee acquisition unit 137 determines the investment fee to be "50,000 yen", which is 1% of the investment amount of "5 million yen", which is a predetermined ratio, and acquires investment fee information indicating that the investment fee is "50,000 yen".

The investment fee output unit 151 transmits to the bank terminal 2 an instruction to collect from investor B the investment fee indicated in the investment fee information acquired by the investment fee acquisition unit 137 above. The processing unit 13 also transmits to the bank terminal 2 an instruction to have investor B, indicated by the investment source identifier "R523" in the investment information, invest in company A, indicated by the company identifier "C121" in the investment information, in the amount indicated in the investment amount information in the accumulated investment information (for example, an instruction to transfer the amount indicated in the investment amount information from investor B's account to company A's account).

When the bank receiving unit 25 of the bank terminal 2 receives from the financial support device 1 an instruction to have investor B invest the amount indicated in the investment amount information in company A, or an instruction to collect the investment fee indicated in the investment fee information from investor B, the bank processing unit 23 generates an instruction to have a bank server (not shown) or the like execute such processing, and the investment output unit 36 outputs the generated instruction to the bank server or the like, thereby making the investment and collecting the investment fee, etc., as described above.

The investment information accumulation unit 133 subtracts the investment fee "50,000 yen" indicated by the investment fee information acquired by the investment fee acquisition unit 137 from the investment amount "5 million yen" specified by the investment amount information contained in the investment information to acquire the investment amount remaining after the investment fee is deducted, that is, "4.95 million yen." The investment amount information of the investment information received by the investment information receiving unit 123 is then updated to investment amount information specifying the newly acquired amount "4.95 million yen," and the investment information having the updated investment amount information is accumulated in the investment information storage unit 113.

Figure 7 shows an investment information management table that manages the investment information stored in the investment information storage unit 113. The investment information management table has attributes such as "Investor ID", "Company ID", "Investment Amount", "Investment Period", and "Dividend". "Investor ID" is the investor identifier, "Company ID" is the company identifier, "Investment Amount" is investment amount information, "Investment Period" is the investment period, and "Dividend" is information indicating the dividend.

The investment information accumulation unit 133 also uses the transmission unit 14 etc. to transmit information indicating that an investment has been made having information similar to the information accumulated in the investment information storage unit 113 to the company terminal 4 of company A indicated by the company identifier "C121" contained in the investment information.

When the corporate receiver 45 of the corporate terminal 4 of company A receives information indicating that this investment has been made, it stores the received information in the corporate storage unit 41, and the corporate output unit 46 displays the stored information on a monitor (not shown) or the like of the corporate terminal 4. This allows company A to know that an investment has been made by investor B.

When the investment information storage unit 133 stores the investment information, the repayment amount information acquisition unit 134 acquires "4.95 million yen", which is the amount specified by the investment amount information of the investment information corresponding to the newly stored company identifier "C121", and acquires the repayment amount information using the acquired amount. Here, from the record (row) in the loan amount management table shown in FIG. 4(b) in which the "company identifier" is "C121", the attribute value of "loan amount", which is the amount of the loan received from the bank, "10 million yen" is acquired, and a predetermined ratio of this amount, here, "50%" as an example, "5 million yen", is calculated as the repayable amount. Then, a predetermined ratio of the amount "4.95 million yen" specified by the investment amount information corresponding to the company identifier "C121", here, "20%" as an example, "990,000 yen", is calculated, and if this amount is less than the repayable amount "5 million yen" acquired above, this amount is determined as the repayment amount to the bank. If the calculated amount is not equal to or less than the repayable amount of 5 million yen, the full repayable amount will be repaid. In this case, since the amount is equal to or less than the repayable amount, repayment amount information is obtained that specifies the calculated repayment amount of 990,000 yen.

The repayment processing unit 135 performs processing to repay the above repayment amount "990,000 yen" from the current loan amount of 10 million yen of company A, whose company identifier is "C121". Specifically, the repayment processing unit 135 transmits an instruction to the bank terminal 2 to collect the above repayment amount "990,000 yen" from the company identified by the company identifier "C121". When the bank receiving unit 25 of the bank terminal 2 receives this instruction, the bank processing unit 23 generates an instruction to a bank server (not shown) or the like to collect the above repayment amount "990,000 yen" from company A, whose company identifier is "C121", and the bank output unit 26 outputs the generated instruction to a bank server (not shown) or the like. In response to this instruction, for example, the bank server or the like collects the above repayment amount "990,000 yen" from the account of company A, whose company identifier is "C121".

The repayment processing unit 135 also updates the attribute value of "loan amount" of the record (row) in the loan amount management table shown in Figure 4 (b) in which the "company identifier" is "C121", from "10 million yen", to "9,010,000 yen", which is the amount obtained by subtracting the repayment amount of "990,000 yen" from this amount.

The repayment processing unit 135 also sends information indicating that the above repayment amount has been repaid to the company terminal 4 of company A, identified by the company identifier "C121".

When the corporate receiving unit 45 of the corporate terminal 4 of company A receives information indicating that this investment has been made, it stores the received information in the corporate storage unit 41, and the corporate output unit 46 displays the stored information on a monitor (not shown) or the like of the corporate terminal 4. This allows company A to know that part of the loan has been automatically repaid in accordance with the investment.

When the investment information storage unit 133 accumulates the investment information associated with the company identifier "C121", the loan condition change unit 136 detects the investment information associated with the same company identifier as the company identifier "C121" from the investment information stored in the investment information storage unit 113, and calculates the total investment amount specified by the investment amount information of the detected investment information, that is, the total of the attribute value of "investment amount" in the investment information management table shown in FIG. 7. Then, the loan condition change unit 136 changes the loan condition according to the total. Here, as an example, the loan condition change unit 136 performs a process to reduce the loan interest rate to "4%" when the condition that the total investment amount exceeds a predetermined threshold value of "5 million yen" is satisfied. For example, if the calculated total investment amount is "5.8 million yen", the loan interest rate, which is the attribute value of "interest rate" of the record in which the "company ID" in the loan information management table shown in FIG. 4 is "C121", is updated to "4%". Note that if it is already "4%, there is no need to update it.

Figure 8 shows the loan information management table in which the values of "Loan Amount" and "Interest Rate" for the record with "Company ID" of "C121" in the loan management table shown in Figure 4(b) have been updated. The loan information management table updated as described above will look like Figure 8.

Now, suppose that it is time for company A to give a dividend on an investment to investor C, which is an investor with an investor identifier of "R529" that has invested in company A. Then, when company A inputs information of predetermined attributes necessary for giving a dividend, such as company A's company identifier "C121", the investor identifier "R529" of the investor giving the dividend, and the dividend amount "100,000 yen" to the company reception unit 42 of the company terminal 4, and performs an operation to give a dividend, the company processing unit 43 uses the input information to generate dividend information having the investor identifier "R529", the dividend amount information specifying the dividend amount "100,000 yen", and the company identifier "C121" giving the dividend, and the like, and the company transmission unit 44 transmits the generated dividend information to the financial support device 1.

When the dividend information receiving unit 124 of the financial support device 1 receives the dividend information, the dividend fee acquisition unit 138 acquires the dividend fee information using the dividend amount "100,000 yen" specified by the dividend amount information contained in the dividend information. Specifically, the dividend fee acquisition unit 138 acquires dividend fee information that specifies a predetermined ratio of the dividend amount, here, 5% as an example, as the dividend fee. In this case, since the dividend amount is "100,000 yen," the dividend fee acquisition unit 138 acquires dividend fee information that specifies 5% of that amount, or "5,000 yen," as the dividend fee.

The dividend fee output unit 152 transmits to the bank terminal 2 information having the dividend fee information acquired by the dividend fee acquisition unit 138, and instructs the bank terminal 2 to collect the amount specified in the dividend fee information from the dividend indicated by the dividend information. The processing unit 13 also creates an instruction to perform processing to give the dividend obtained by subtracting the dividend fee specified in the dividend fee information from the dividend fee from the dividend fee, from company A indicated by company identifier "C121" to investment source C indicated by investment source identifier "R529", and transmits the instruction to the bank terminal 2.

When the bank receiving unit 25 of the bank terminal 2 receives from the financial support device 1 an instruction to give a dividend from company A minus a dividend fee to dividend source C as described above, or an instruction to collect an investment fee from the dividend, the bank processing unit 23 generates an instruction to cause a bank server (not shown) or the like to execute such processing, and the investment output unit 36 outputs the generated instruction to the bank server or the like, thereby performing processing to give the dividend from which the dividend fee has been subtracted to dividend source C as described above, collect the dividend fee, etc.

The processing unit 13 also uses the transmission unit 14, etc. to transmit information indicating that a dividend has been paid, including the amount of the dividend, the amount of the dividend fee collected, etc., to the investment terminal 3 of the investment source C indicated by the investment source identifier "R529" contained in the dividend information.

When the investment receiving unit 35 of investor C's investment terminal 3 receives information indicating that a dividend has been paid, it stores the received information in the investment storage unit 31, and the investment output unit 36 displays the stored information on a monitor (not shown) or the like of the investment terminal 3. This allows investor C to know that a dividend has been paid on his investment.

As described above, according to this embodiment, by transmitting solicitation information for soliciting investments in companies that have received loans, the investment source can select investment targets from among companies that are determined to be eligible for loans, thereby appropriately supporting financial transactions.

In addition, by providing recruitment information that includes information used in the assessment of loans for each company, the information used in the assessment of loans can be effectively utilized.

In the above embodiment, each process (each function) may be realized by centralized processing in a single device (system), or may be realized by distributed processing in multiple devices.

Furthermore, in the above embodiment, it goes without saying that two or more communication means (loan information receiving unit, transmission instruction receiving unit, etc.) present in one device may be realized by a single physical medium.

In addition, in each of the above embodiments, each component may be configured with dedicated hardware, or components that can be realized by software may be realized by executing a program. For example, each component may be realized by a program execution unit such as a CPU reading and executing a software program recorded on a recording medium such as a hard disk or semiconductor memory. During execution, the program execution unit may execute the program while accessing a storage unit (for example, a recording medium such as a hard disk or memory).

The software for realizing the financial support device in each of the above embodiments is a program as follows. That is, this program is a program for making a computer that can access a company information storage unit in which one or more pieces of company information including a company identifier that identifies a company are stored, a loan information storage unit in which loan information related to loans made to companies identified by each company identifier is stored in association with each of the one or more company identifiers, and an investment information storage unit in which investment information related to investments in companies identified by each company identifier is stored in association with each of the one or more company identifiers, function as a recruitment information transmission unit that transmits recruitment information for soliciting investments in companies identified by the company identifiers in association with the company identifiers, an investment information reception unit that receives investment information related to investments in companies identified by the company identifiers in association with the company identifiers, and an investment information accumulation unit that accumulates the investment information received by the investment information reception unit in the investment information storage unit in association with the company identifiers.

In addition, in the above program, the functions realized by the above program do not include functions that can only be realized by hardware. For example, functions that can only be realized by hardware such as a modem or interface card in an acquisition unit that acquires information or an output unit that outputs information are not included in the functions realized by the above program.

The program may be executed by a single computer or multiple computers. In other words, it may perform centralized processing or distributed processing.

Figure 9 is a schematic diagram showing an example of the appearance of a computer that executes the above program to realize the financial support device according to the above embodiment. The above embodiment can be realized by computer hardware and a computer program executed thereon.

In FIG. 9, computer system 900 includes computer 901 including a CD-ROM (Compact Disk Read Only Memory) drive 905, keyboard 902, mouse 903, and monitor 904.

Figure 10 is a diagram showing the internal configuration of a computer system 900. In Figure 10, the computer 901 includes, in addition to a CD-ROM drive 905, an MPU (Micro Processing Unit) 911, a ROM 912 for storing programs such as a boot-up program, a RAM (Random Access Memory) 913 connected to the MPU 911 to temporarily store application program instructions and provide temporary storage space, a hard disk 914 for storing application programs, system programs, and data, and a bus 915 for interconnecting the MPU 911, the ROM 912, etc. Note that the computer 901 may also include a network card (not shown) for providing a connection to a LAN.

A program that causes computer system 900 to execute functions such as the financial assistance device according to the above embodiment may be stored on CD-ROM 921, inserted into CD-ROM drive 905, and transferred to hard disk 914. Alternatively, the program may be sent to computer 901 via a network (not shown) and stored on hard disk 914. The program is loaded into RAM 913 when executed. The program may also be loaded directly from CD-ROM 921 or the network.

The program does not necessarily include an operating system (OS) or third party programs that cause the computer 901 to execute the functions of the financial assistance device according to the above embodiment. The program may include only a portion of instructions that call appropriate functions (modules) in a controlled manner to achieve a desired result. How the computer system 900 operates is well known, and a detailed description will be omitted.

The present invention is not limited to the above-described embodiment, and various modifications are possible, and it goes without saying that these are also included within the scope of the present invention.

As described above, the financial support device of the present invention is suitable as a device for supporting financial transactions, and is particularly useful as a device for supporting investment in companies.

REFERENCE SIGNS LIST 1 Financial support device 2 Bank terminal 3 Investment terminal 4 Company terminal 11 Storage unit 12 Receiving unit 13 Processing unit 14 Transmitting unit 15 Output unit 111 Company information storage unit 112 Loan information storage unit 113 Investment information storage unit 121 Loan information receiving unit 122 Transmission instruction receiving unit 123 Investment information receiving unit 124 Dividend information receiving unit 131 Loan information storage unit 132 Judgment unit 133 Investment information storage unit 134 Repayment amount information acquisition unit 135 Repayment processing unit 136 Loan condition change unit 137 Investment fee acquisition unit 138 Dividend fee acquisition unit 141 Offering information transmission unit 151 Investment fee output unit 152 Dividend fee output unit 1000 Financial support system

Claims (10)

a company information storage unit in which one or more pieces of company information including a company identifier for identifying a company are stored;
a loan information storage unit in which loan information regarding loans made to companies identified by the one or more company identifiers is stored in association with each of the one or more company identifiers;
an investment information storage unit in which investment information regarding investments in companies identified by the one or more company identifiers is stored in association with each of the one or more company identifiers;
a solicitation information transmission unit that transmits solicitation information for soliciting investment in a company identified by the company identifier in association with the company identifier;
an investment information receiving unit that receives, in association with a company identifier, investment information relating to an investment in a company identified by the company identifier;
an investment information storage unit that stores the investment information received by the investment information receiving unit in the investment information storage unit in association with the company identifier ;
a determination unit that determines whether or not a company corresponding to one or more pieces of company information stored in the company information storage unit is seeking investment;
The recruitment information transmission unit,
A financial support device that transmits recruitment information including company information of one or more companies that the judgment unit has judged to be seeking investment . 2. The financial support device according to claim 1, wherein one or more pieces of company information stored in said company information storage unit include assessment information relating to an assessment result in a financial institution. The loan information includes loan amount information that specifies a loan amount,
The investment information includes investment amount information that specifies an investment amount,
3. The financial support device according to claim 1, further comprising a repayment processing unit that performs repayment processing for repaying the loan amount using investment trust amount information received from the investment information. a company information storage unit in which one or more pieces of company information including a company identifier for identifying a company are stored;
a loan information storage unit in which loan information regarding loans made to companies identified by the one or more company identifiers is stored in association with each of the one or more company identifiers;
an investment information storage unit in which investment information regarding investments in companies identified by the one or more company identifiers is stored in association with each of the one or more company identifiers;
a solicitation information transmission unit that transmits solicitation information for soliciting investment in a company identified by the company identifier in association with the company identifier;
an investment information receiving unit that receives, in association with a company identifier, investment information relating to an investment in a company identified by the company identifier;
an investment information storage unit that stores the investment information received by the investment information receiving unit in the investment information storage unit in association with the company identifier,
The loan information includes loan amount information that specifies a loan amount,
The investment information includes investment amount information that specifies an investment amount,
a repayment processing unit that performs repayment processing for repaying the loan amount using the investment trust amount information received from the investment information. a repayment amount information acquisition unit that acquires repayment amount information that specifies a repayment amount to be repaid to the financial institution that has received the loan, the repayment amount being an amount equal to or less than the loan amount specified by the loan amount information and the investment amount specified by the investment amount information;
5. The financial support device according to claim 3, wherein the repayment processing unit performs repayment processing for repaying the repayment amount specified by the repayment amount information acquired by the repayment amount information acquisition unit against the loan amount. a company information storage unit in which one or more pieces of company information including a company identifier for identifying a company are stored;
a loan information storage unit in which loan information regarding loans made to companies identified by the one or more company identifiers is stored in association with each of the one or more company identifiers;
an investment information storage unit in which investment information regarding investments in companies identified by the one or more company identifiers is stored in association with each of the one or more company identifiers;
a solicitation information transmission unit that transmits solicitation information for soliciting investment in a company identified by the company identifier in association with the company identifier;
an investment information receiving unit that receives, in association with a company identifier, investment information relating to an investment in a company identified by the company identifier;
an investment information storage unit that stores the investment information received by the investment information receiving unit in the investment information storage unit in association with the company identifier,
The financing information includes financing condition information that specifies financing conditions,
The financial support device further comprises a loan condition changing unit that changes, in accordance with the investment information in the investment information storage unit, loan condition information contained in the loan information paired with the enterprise identifier paired with the investment information. a company information storage unit in which one or more pieces of company information including a company identifier for identifying a company are stored;
a loan information storage unit in which loan information regarding loans made to companies identified by the one or more company identifiers is stored in association with each of the one or more company identifiers;
an investment information storage unit in which investment information regarding investments in companies identified by the one or more company identifiers is stored in association with each of the one or more company identifiers;
a solicitation information transmission unit that transmits solicitation information for soliciting investment in a company identified by the company identifier in association with the company identifier;
an investment information receiving unit that receives, in association with a company identifier, investment information relating to an investment in a company identified by the company identifier;
an investment information storage unit that stores the investment information received by the investment information receiving unit in the investment information storage unit in association with the company identifier,
The investment information includes investment amount information that specifies an investment amount,
an investment fee acquisition unit that acquires investment fee information that identifies an investment fee, which is a fee for an investment amount identified by investment amount information included in the investment information accumulated by the investment information accumulation unit;
and an investment fee output unit that outputs the investment fee information. a company information storage unit in which one or more pieces of company information including a company identifier for identifying a company are stored;
a loan information storage unit in which loan information regarding loans made to companies identified by the one or more company identifiers is stored in association with each of the one or more company identifiers;
an investment information storage unit in which investment information regarding investments in companies identified by the one or more company identifiers is stored in association with each of the one or more company identifiers;
a solicitation information transmission unit that transmits solicitation information for soliciting investment in a company identified by the company identifier in association with the company identifier;
an investment information receiving unit that receives, in association with a company identifier, investment information relating to an investment in a company identified by the company identifier;
an investment information storage unit that stores the investment information received by the investment information receiving unit in the investment information storage unit in association with the company identifier;
The investment information has an investment source identifier for identifying an investment source,
a dividend information receiving unit that receives dividend information that specifies a dividend to be paid to the investor in association with the company identifier and the investor identifier;
a dividend commission acquisition unit that acquires dividend commission information that identifies a dividend commission that is a commission for the dividend identified by the dividend information received by the dividend information receiving unit;
The financial support device further comprises a dividend commission output unit that outputs the dividend commission information. A financial support method using a company information storage unit in which one or more pieces of company information including a company identifier for identifying a company are stored, a loan information storage unit in which loan information relating to loans made to companies identified by each of the company identifiers is stored in association with each of the one or more company identifiers, an investment information storage unit in which investment information relating to investments in companies identified by each of the company identifiers is stored in association with each of the one or more company identifiers, a recruitment information transmission unit, an investment information reception unit, an investment information accumulation unit, and a judgment unit ,
A recruitment information transmission step in which the recruitment information transmission unit transmits recruitment information for soliciting investment in a company identified by the company identifier in association with the company identifier;
an investment information receiving step in which the investment information receiving unit receives investment information relating to an investment in a company identified by the company identifier in association with the company identifier;
an investment information accumulation step in which the investment information accumulation unit accumulates the investment information received in the investment information receiving step in the investment information storage unit in association with the company identifier ;
a determination step in which the determination unit determines whether or not a company corresponding to one or more pieces of company information stored in the company information storage unit is seeking investment;
The recruitment information transmission step includes:
A financial support method comprising the step of transmitting recruitment information including company information of one or more companies determined to be seeking investment in the determination step . a computer that can access a company information storage unit in which one or more pieces of company information including a company identifier for identifying a company are stored, a loan information storage unit in which loan information relating to loans made to companies identified by each of the company identifiers is stored in association with each of the one or more company identifiers, and an investment information storage unit in which investment information relating to investments made to companies identified by each of the company identifiers is stored in association with each of the one or more company identifiers,
a solicitation information transmission unit that transmits solicitation information for soliciting investment in a company identified by the company identifier in association with the company identifier;
an investment information receiving unit that receives, in association with a company identifier, investment information relating to an investment in a company identified by the company identifier;
an investment information storage unit that stores the investment information received by the investment information receiving unit in the investment information storage unit in association with the company identifier ;
a determination unit that determines whether or not a company corresponding to one or more pieces of company information stored in the company information storage unit is seeking investment ;
The recruitment information transmission unit,
A program for transmitting recruitment information including company information of one or more companies that the judgment unit has judged to be seeking investment .

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