JP7517748B2 - Information processing device - Google Patents

Description

The present invention relates to an information processing device.

Previously, there have been proposals for investment strategy planning systems aimed at smoothly promoting investment activities in funds and providing stable, high dividends to investors (see, for example, Patent Document 1).

JP 2003-108776 A

However, investors are demanding that they invest in funds that offer better investment yields, supply and demand balance, and trading price stability than conventional techniques, including those in Patent Document 1, and that can record desired profits and losses.

The present invention was made in light of this situation, and aims to provide investors with a fund product whose investment target is excellent in terms of investment yield, supply and demand balance, and trading price stability, and which allows investors to record the profits and losses they desire.

In order to achieve the above object, an information processing device according to one aspect of the present invention comprises:
a purchase and sales price calculation unit that calculates the purchase price and sales price after a predetermined period of time for t vehicles (t is an integer value of 1 or more) including at least vehicle type, history information including age, and price as parameters;
a rental cost calculation unit that calculates rental costs when each of the t vehicles is rented to a specific lessee under a rental contract by a person who has purchased each of the t vehicles as a lessor;
a profit and loss calculation unit that calculates the profit and loss of the lender and the profit and loss of an investor who purchases a fund product consisting of the combination of the t vehicles based on the rental cost, the purchase price, and the sales price;
a product optimization unit which repeatedly executes the processes of the purchase and sale amount calculation unit, the rental cost calculation unit, and the profit and loss calculation unit by changing the combination of the parameters, the t-number of units, the purchase amount, the sale amount, the rental cost, the profit and loss of the lender, and the profit and loss of the investor, and determines the content of the fund product based on the results of the execution so that the profit and loss of the lender is the amount desired by the investor;
Equipped with.

The vehicle management system further includes a depreciation calculation unit that calculates the depreciation cost of each of the t vehicles,
The profit and loss calculation unit further comprises:
Calculating the profit and loss of the lender and the profit and loss of the investors who purchase the fund's products based on the rental cost, the depreciation cost, the purchase price, and the sales price;
The Product Optimization Department further:
The parameters and the t-number of units, the purchase amount, the sales amount, the depreciation expense, the rental expense, the lessor's profit and loss, and the investor's profit and loss can be changed to repeatedly execute the processes of the purchase and sales amount calculation unit, the depreciation calculation unit, the rental expense calculation unit, and the profit and loss calculation unit, and based on the results of these executions, the contents of the fund products can be determined so that the lessor's profit and loss will be the amount desired by the investor.

In addition, the product optimization unit further
Based on the amount of funds the lender raises through loans and the amount of funds raised by selling the fund's products, the combination of the loan and the fund can be optimized so that the lender's profit and loss amount is the amount desired by the investor.

In addition, at least a portion of the t vehicles may include a towing vehicle that can be separated into a tractor and a trailer.

In addition, the rental cost calculation unit further
The rental cost of the vehicle can be calculated based on the amount of compensation that is obtained when the lessee uses the vehicle to provide a specified service.

The vehicle may also be a commercial freight transport vehicle.

Additionally, the vehicle may be a vehicle for carrying passengers.

The present invention makes it possible to provide a fund product whose investment target is excellent in terms of investment yield, supply and demand balance, and trading price stability, and which can realize the profit and loss desired by investors.

1 is a diagram showing an outline of the configuration of an information processing system including an information processing device according to an embodiment of the present invention. 2 is a block diagram showing a hardware configuration of the service providing server 1 of FIG. 1. 2 is a functional block diagram showing an example of the functional configuration of a service providing server 1, an investor terminal 2, a seller terminal 3, and a borrower terminal 4 in the information processing system of FIG. 1. 2 is a functional block diagram showing an example of a functional configuration of a service providing server 1 in the information processing system of FIG. 1 . 5A to 5C are diagrams showing specific examples of the results of various calculations performed in a simulation unit. 13 is a diagram showing a specific example of a calculation result by a profit and loss calculation unit of the simulation unit. FIG. FIG. 13 is a diagram showing an example of a result of optimization performed by a product optimization unit. FIG. 2 illustrates an example of vehicle information for commercial freight vehicles that make up an optimized truck fund product.

The following describes an embodiment of the present invention with reference to the drawings.

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

The information processing system shown in FIG. 1 is configured by connecting a service provider server 1 operated by a fund manager FM, investor terminals 2-1 to 2-n operated by investors I-1 to I-n (n is any integer value equal to or greater than 1), seller terminals 3-1 to 3-m operated by sellers S-1 to S-m (m is any integer value equal to or greater than 1), and borrower terminals 4-1 to 4-p operated by borrowers R-1 to R-p (p is any integer value equal to or greater than 1) to each other via a predetermined network N such as the Internet.

Here, the fund manager FM refers to an individual or group that operates a fund targeting commercial freight transport vehicles and aims to manage and increase the assets entrusted to it by investors I-1 through In.
The subject of the fund to which the present invention is applied is a vehicle, and in particular, in this embodiment, a used commercial freight transport vehicle is used. Note that the vehicle in the present invention is not particularly limited. For example, any vehicle can be included, such as a freight transport vehicle such as a truck or trailer, or a vehicle for carrying passengers such as a bus.
In addition, unless otherwise specified in this specification, when the term "used car" is used, it means a used commercial freight transport vehicle.

Investors I-1 through In are individuals or corporations who invest their current assets in a fund with the main objective of increasing their assets in the future, and include, for example, individual investors, institutional investors, etc. The objective of investors I-1 through In investing in a fund includes that the profit and loss of the track fund relative to their investment amount will be the amount desired by investors I-1 through In.
The sellers S-1 to S-m are persons who sell commercial cargo transport vehicles and receive payment based on a sales contract for the commercial cargo transport vehicles with the fund manager FM, and include, for example, transportation companies that sell commercial cargo transport vehicles that are no longer in use for business purposes as used cars.
The lessees R-1 to R-p are persons who rent one or more commercial cargo transport vehicles that are the subject of the fund based on a lease agreement with the fund manager FM, and include, for example, transportation companies that operate a transportation business using used vehicles.

The commercial cargo transport vehicles that are eligible for the fund can include towing vehicles that can be separated into a tractor and trailer (cargo bed or passenger car). Here, the tractor and trailer are combined when moving, but can be separated when storing, so if Lessee R-1 has one or more tractors, he or she can store more trailers. Therefore, in this embodiment, the tractor and trailer are treated separately, and each can be eligible for the fund individually. In other words, when describing a towing vehicle as "one commercial cargo transport vehicle," this includes the meaning of "one towing vehicle (a set of tractor and trailer)," as well as "one tractor" or "one trailer."

In the following, when there is no need to individually distinguish between investors I-1 through I-n, investor terminals 2-1 through 2-n, sellers S-1 through S-m, seller terminals 3-1 through 3-m, borrowers R-1 through R-p, and borrower terminals 4-1 through 4-p, they will be collectively referred to as "investor I," "investor terminal 2," "seller S," "seller terminal 3," "borrower R," and "borrower terminal 4," respectively.

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

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

That is, in this embodiment, the fund manager FM purchases t (t is an integer value greater than or equal to 1) commercial cargo transport vehicles from the seller S, and concludes a vehicle purchase and sale agreement, a vehicle lease agreement, and an asset management agreement with the fund.
Here, the asset management contract refers to a contract that stipulates that the fund manager FM manages commercial freight transport vehicles on behalf of the fund that owns the commercial freight transport vehicles.
In addition, the fund manager FM leases t commercial cargo transport vehicles from the fund and leases the t commercial cargo transport vehicles to the lessee R.
Therefore, the fund manager FM can earn profits based on the vehicle purchase and sale contract and asset management contract with the fund, and the rental contract with the lessee R.
In addition, the fund can earn profits based on the vehicle lease contract with the fund manager FM and the sale of the t commercial freight transport vehicles after a certain number of years have passed. This can be used as a source of stable dividends to the investor I.
In the following, funds with this type of revenue structure will be referred to as "track funds."

Here, a new car may be used as the commercial freight transport vehicle that is the target of the truck fund, but in this embodiment, a used car is used for the following reasons.
First, in Japan, at least, from a tax perspective, when purchasing a vehicle, whether it is a new or used car, it is not permitted to immediately expense the entire amount spent on acquiring the vehicle. This is because a vehicle is used for several years, and it is necessary to expense it as depreciation according to the period of use of the vehicle. The period of use is called the "useful life."
In this case, Investor I can record the depreciation cost of the commercial freight transport vehicle that he invested in as an expense in his own accounting until the useful life of the vehicle has elapsed. In other words, Investor I can enjoy tax benefits by purchasing the Truck Fund product.
The benefits of depreciation in terms of taxation and the like are particularly great for used cars compared to new cars. This is because used cars are generally thought to be unable to be used for as long as new cars, and so their useful life is shorter than that of new cars. In other words, used cars have the advantage that they can be expensed (depreciated) in a shorter period of time in accounting than new cars. For this reason, used cars can be said to be an investment target for Investor I, with excellent investment yields, stable supply and demand balance, and stable trading prices.

In addition, even when compared with real estate funds that invest in real estate such as homes and buildings, which have a longer useful life than a new car, the useful life of a used car is much shorter than that of real estate, so Investor I can enjoy the benefits of depreciation in a short period of time.
Furthermore, compared to airplane funds, ship funds, and the like, which are often managed overseas, Investor I can enjoy the benefit of lower risk of exchange rate fluctuations.
In other words, the truck fund is an excellent fund product that allows investor I to receive stable dividends and record depreciation expenses in a short period of time.

In this regard, fund manager FM can provide such an excellent fund product (track fund) to investor I with peace of mind. Furthermore, fund manager FM can fully recover profits even if dividends are paid to investor I.

In addition, in a truck fund, a lessee R who operates a transportation company can acquire a new means of procuring vehicles for transporting commercial cargo by renting used cars from the fund manager FM as vehicles for transporting commercial cargo.
That is, the conventional method of procuring general commercial cargo transport vehicles is for the transport company itself to purchase the commercial cargo transport vehicle. In this case, even though the transportation company is responsible for the purchase cost of the commercial cargo transport vehicle and taxes such as automobile tax, the financial asset value is not highly evaluated. In addition, there is also the risk of vehicle breakdown. In other words, the general method of procuring commercial cargo transport vehicles has the above disadvantages.
However, with a truck fund, the ownership of the commercial cargo transport vehicles used by the lessee R, who runs a transportation company, belongs to the truck fund, so there are no disadvantages that arise when a transportation company purchases commercial cargo transport vehicles directly.
In other words, the lessee R does not need to own a commercial cargo transport vehicle, but only needs to pay a monthly rental fee to the fund manager FM based on the contents of the vehicle rental contract concluded with the fund manager FM.
In addition, depending on the contents of the lease agreement, financial burdens such as automobile tax and risks such as vehicle breakdown may be borne by the Truck Fund rather than by Lessee R.
Therefore, when the management structure (balance sheet, etc.) of Lessee R is evaluated by a third party, including a financial institution, Lessee R will be evaluated more highly if it procures commercial cargo transport vehicles through rental rather than purchasing them.

In this way, the track fund product is an attractive fund that can provide benefits to all parties: investor I, fund manager FM, and borrower R.
For this reason, it is desirable that the contents of the track fund product optimize the profits and losses of the four parties, including the investor I, the fund manager FM, the track fund, and the borrower R.
In other words, in order to perform such optimization, the fund manager FM needs to consider the optimal combination of each of the following items (1) to (5) for each of the t commercial cargo transport vehicles.
(1) The purchase price including at least the vehicle model, historical information including the number of years since it was sold as a new car, and the vehicle price as parameters (hereinafter referred to as "parameter information"); (2) The sales price (trade-in price) after a predetermined period of time has passed since the purchase from the seller S.
(3) Depreciation expense (4) Rental cost when renting to a specified lessee R (5) Profit and loss of investor I, fund manager FM, the truck fund, and lessee R

The service providing server 1 in this embodiment performs simulations for various combinations of the above (1) to (5), thereby making it possible to provide a truck fund product based on an optimal combination of multiple commercial freight transport vehicles.
Such a product is an optimal product that comprehensively takes into consideration the profits and losses of investor I, fund manager FM, the track fund, and lessee R (rental fees and financial advantages and disadvantages).

Details of the processes executed by the service providing server 1 will be described later with reference to Figures 3 and 4.

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

The service providing server 1 includes a CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12, a RAM (Random Access Memory) 13, a bus 14, an input/output interface 15, an output unit 16, an input unit 17, a memory unit 18, a communication unit 19, and a drive 20.

The CPU 11 executes various processes according to a program recorded in the ROM 12 or a program loaded from the storage unit 18 to the RAM 13 .
The RAM 13 also stores data and the like necessary for the CPU 11 to execute various processes.

The CPU 11, ROM 12, and RAM 13 are interconnected via a bus 14. An input/output interface 15 is also connected to this bus 14. An output unit 16, an input unit 17, a memory unit 18, a communication unit 19, and a drive 20 are connected to the input/output interface 15.

The output unit 16 is composed of a display, a speaker, etc., and outputs various information as images and sounds.
The input unit 17 is composed of a keyboard, a mouse, etc., and is used to input various information.

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

Removable media 30, such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory, is appropriately loaded into the drive 20. Programs read from the removable media 30 by the drive 20 are installed in the storage unit 18 as necessary.
Further, the removable medium 30 can store various data stored in the storage unit 18 in the same manner as the storage unit 18 .

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

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

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

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

In the simulation unit 201, for example, for a combination of t commercial freight transport vehicles (t is an integer value of 1 or more) arbitrarily selected from a plurality of commercial freight transport vehicles, the following calculations are executed in each calculation unit. Note that for each of the t arbitrarily selected commercial freight transport vehicles, at least the vehicle type, history information including elapsed years, and price are associated as parameters, and are stored and managed in the vehicle DB 401.
Here, the combination of t commercial freight transport vehicles can include commercial freight transport vehicles that the truck fund can purchase in the future, in addition to those currently owned by the truck fund.

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

The depreciation calculation unit 302 calculates the depreciation cost of each of the t commercial freight transport vehicles based on the calculation results of the purchase prices, etc. by the purchase/sale price calculation unit 301.
A specific example of the depreciation cost of a commercial freight transport vehicle calculated by the depreciation calculation unit 302 will be described later with reference to FIG. 5B.

The rental cost calculation unit 303 calculates the rental cost when the fund manager FM, who has leased each of the t commercial freight transport vehicles from the truck fund, is the lessor and leases each of the t commercial freight transport vehicles to a lessee R based on a lease contract. This rental cost is a variable element and is calculated by a predetermined algorithm.
In addition, the rental fee for the commercial freight transport vehicle can also be calculated based on the amount of compensation that the lessee R receives when he/she uses the commercial freight transport vehicle to provide a specified service.
This enables the fund manager FM to rent out commercial cargo transport vehicles and also provide (mediate) the actual cargo transport services using the commercial cargo transport vehicles to the lessee R.
A specific example of the rental cost of a commercial freight transport vehicle calculated by the rental cost calculation unit 303 will be described later with reference to FIG. 5C.

The profit and loss calculation unit 304 calculates the profit and loss of the truck fund, the profit and loss of investor I, and the profit and loss of lessee R based on the calculation results by the purchase and sale amount calculation unit 301, the calculation results by the depreciation calculation unit 302, and the calculation results by the rental cost calculation unit 303.
Here, the profit and loss of the truck fund is mainly the amount obtained by subtracting depreciation and other expenses for commercial cargo transport vehicles from the total amount of rental income and sales price (trade-in price) of commercial cargo transport vehicles.
In addition, Investor I's profit or loss is mainly the amount obtained by subtracting the depreciation cost of commercial freight transport vehicles, which Investor I can record as his/her own expenses, from the dividend amount of the truck fund.
Lessee R's profit and loss mainly includes the difference between the cost of purchasing a commercial cargo transport vehicle at its own expense and the cost of renting it, as well as the increase in the company's asset value that may arise from changing from purchasing the vehicle itself to renting it.
Specific examples of various profit and loss amounts calculated by the profit and loss calculation unit 304 will be described later with reference to FIG.

A single simulation result for a given combination of t commercial freight transport vehicles is stored in the calculation result DB402.

The product optimization unit 202 repeatedly executes each process in the purchase and sale amount calculation unit 301, the depreciation calculation unit 302, the rental cost calculation unit 303, and the profit and loss calculation unit 304 while changing the combination of parameters, purchase price, sales price, depreciation cost, rental cost, profit and loss of the truck fund, profit and loss of investor I, and profit and loss of lessee R for each of the t commercial freight transport vehicles. Then, based on the execution results of each process, the product optimization unit 202 determines the contents of the truck fund product so that the profit and loss of the truck fund is the amount desired by investor I.
That is, the product optimization unit 202 repeatedly executes simulations by the simulation unit 201 while changing combinations of parameters, purchase price, sales price, depreciation expenses, rental expenses, profit and loss of the truck fund, profit and loss of investor I, and profit and loss of lessee R for each of the t commercial cargo transport vehicles.
Then, the product optimization unit 202 determines the product contents of the track fund based on the results of a large number of simulations performed by the simulation unit 201 .
In this way, the content of the Track Fund product is optimal for the fund manager FM, the investors I, and the borrowers R.
Specific examples of track fund products optimized by the product optimization unit 202 will be described later with reference to FIGS.

The above describes the case where the managing entity of the track fund is the fund manager FM.
The case where the information processing device according to an embodiment of the present invention can be applied is not limited to the case where the operating entity of the track fund is the fund manager FM. For example, the information processing device can be applied to the case where a single company is the operating entity without taking the form of a fund.
A case in which the operating entity is a single company without adopting the form of a fund will now be described with reference to FIG.
FIG. 4 is a functional block diagram showing an example of the functional configuration of the service providing server 1, the seller terminal 3, and the lessee terminal 4 of FIG.
In the example of FIG. 4, one operating company is described as "Manager M."

As can be easily seen by comparing FIG. 3 with FIG. 4, the functional configuration of the service providing server 1 is the same regardless of the operating entity.
That is, there are two differences between the case where the operating entity is fund manager FM and the case where the operating entity is manager M (a single company). The first difference is the source of funds for the purchase price of t commercial freight transport vehicles. That is, in the former case, the source of funds for the purchase price of t commercial freight transport vehicles is the investment amount of investor I, whereas in the latter case, it is an amount separately prepared by manager M (a single company). The second difference is that in the latter case, since investor I does not exist, there are no dividends, and all profits generated by the truck fund become the profits of manager M.
Apart from the two differences mentioned above, the two are basically the same. Therefore, even if the operator is a manager M (a single company), the same simulation as when the operator is a fund manager FM is performed to determine the optimal product content for the track fund.

As explained above using Figures 3 and 4, the service providing server 1 performs various processes to create a track fund product with optimal content for the fund manager FM, manager M, investor I, and borrower R.

5 to 8, an example will be described assuming that the amount invested by investor I is 30,000,000 yen, and that the amount invested by investor I wishes to record as profit or loss in the first year is 18,000,000 yen, which is 60% of the investment amount. Specifically, the example will be described assuming that, as a result of each process being executed in the service providing server 1, a truck fund product is proposed to investor I with the number of commercial freight transport vehicles being "8 vehicles," the amount invested by investor I being "30,000,000 (yen)," and the profit or loss in the first year being "-17,293,333 (yen)."
5 to 8 are diagrams showing specific examples of the results of various calculations performed in the simulation unit 201 and the results of optimization processing performed in the product optimization unit 202. FIG.

FIG. 5A is a diagram showing a specific example of information stored in the calculation result DB 402 as the calculation result by the purchase/sale amount calculation unit 301 of the simulation unit 201.
In the example shown in Figure 5A, the investment price (purchase price), residual value rate, and selling price (sales amount) after a two-year depreciation period are calculated for each of eight cargo transport vehicles using the vehicle model name, model type, and year as parameters.
Specifically, for the first of eight commercial freight transport vehicles that make up the Truck Fund product, based on the parameters of a commercial freight transport vehicle with a vehicle model name of "Large Van (Wing)", model number "FS64JZ-550" and year of manufacture "2007 (Heisei)", the calculation results show an investment price of "2,500,000 (yen)", a residual value rate of "40.00%" and a selling price of "1,000,000 (yen)".
In addition, for the second of the eight commercial cargo transport vehicles that make up the Truck Fund product, based on the parameters of a commercial cargo transport vehicle with a vehicle name of "2-ton van," model number "XZU548-000," and year of manufacture "2009 (Heisei)," the calculation results show an investment price of "1,000,000 (yen)," a residual value rate of "30.00%," and a selling price of "300,000 (yen)."
Other specific examples of information stored in the calculation result DB 402 as the calculation results by the purchase and sale amount calculation unit 301 are as shown in Figure 5A, where the total investment price is "27,200,000 (yen)" and the total selling price is "15,500,000 (yen)."

FIG. 5B is a diagram showing a specific example of information stored in the calculation result DB 402 as the calculation result by the depreciation calculation unit 302 of the simulation unit 201.
In the example shown in FIG. 5B, along with the depreciation method (the declining balance method in the example of FIG. 5B) and the depreciation rate for each year, the calculation results for the depreciation years determination (result), the depreciation rate determination (result), the number of months until the first fiscal year settlement, and the depreciation amount for each year for each of the eight cargo transport vehicles are shown.
Specifically, for the first of eight commercial freight transport vehicles that make up the Truck Fund product, the calculation results show that the depreciation period determination (result) is "2 years," the depreciation rate determination (result) is "100.00%," the depreciation amount for the first year is "1,666,667 (yen)," and the depreciation amount for the second year is "833,333 (yen)."
In addition, for the second of the eight commercial freight transport vehicles that make up the Truck Fund product, the calculation results show that the depreciation period determination (result) is "2 years," the depreciation rate determination (result) is "100.00%," the depreciation amount for the first year is "666,667 (yen)," and the depreciation amount for the second year is "333,333 (yen)."
Other specific examples of information stored in the calculation result DB 402 as the calculation results by the depreciation calculation unit 302 are as shown in FIG. 5B, in which the total depreciation amount for the first year is “18,133,333 (yen)” and the total depreciation amount over the entire period is “27,200,000 (yen).”

FIG. 5C is a diagram showing a specific example of information stored in the calculation result DB 402 as the calculation result by the rental cost calculation unit 303 of the simulation unit 201.
In the example shown in Figure 5C, the calculation results are shown for the lessee (name of lessee R), monthly lease fee (gross), AM (asset management) fee, annual expenditure (vehicle inspection and maintenance), monthly rental income (net), etc. for each of eight cargo transport vehicles.
Specifically, for the first of eight commercial cargo transport vehicles that make up the Truck Fund product, the calculation results show that the name of the lessee R is "XX Transport Ltd.", the monthly lease fee (gross) is "100,000 (yen)," the AM fee is "5,000 (yen)," the annual expenditure (vehicle inspection and maintenance) is "477,700 (yen)," the monthly expenditure (vehicle inspection and maintenance) is "39,808 (yen)," and the monthly rental income (net) is "50,192 (yen)."
In addition, for the second of the eight commercial cargo transport vehicles that make up the Truck Fund product, the calculation results show that the name of the lessee R is "XX Transport Ltd.", the monthly lease fee (gross) is "50,000 (yen)," the AM fee is "2,500 (yen)," the annual expenditure (vehicle inspection and maintenance) is "252,000 (yen)," the monthly expenditure (vehicle inspection and maintenance) is "21,000 (yen)," and the monthly rental income (net) is "24,000 (yen)."
Another specific example of information stored in the calculation result DB 402 as a result of calculation by the rental expense calculation unit 303 is as shown in Figure 5C, where the total monthly lease fee (gross) is "671,000 (yen)."

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

The cash flow shown in FIG. 6 shows the calculation results for the TK (anonymous partnership) investment amount, loan, lease fee (rental cost), provisionally received consumption tax amount, consumption tax refund amount, vehicle sales amount (sales amount), vehicle purchase amount, expenses, provisionally paid consumption tax amount, consumption tax paid amount, loan repayment amount, TK (anonymous partnership) principal redemption amount, income and expenditure, and CF (cash flow) cumulative amount. Note that "TK (anonymous partnership) investment amount" refers to the investment amount by investor I. Also, "loan" refers to borrowings by loan from financial institutions. In other words, not only the investment from investor I but also borrowings by loan from financial institutions can be used as funds for procuring commercial cargo transport vehicles. This allows the fund manager FM to provide investor I with a truck fund product that takes into account the balance between the fund and the loan. Note that the calculation results that take into account the balance between the fund and the loan will be described later with reference to FIG. 7.

As shown in Figure 6, in the first period, the TK (anonymous partnership) investment amount was "30,000,000 (yen)", the loan amount was "0 (yen)", the lease fee (rental cost) was "5,368,000 (yen)", the provisional consumption tax received was "429,440 (yen)", the consumption tax refund amount was "0 (yen)", the vehicle sales amount (sales amount) was "0 (yen)", the vehicle purchase amount was "27,200,000 (yen)", The calculation results show that expenses are "4,528,000 (yen)", provisional consumption tax payment is "2,538,240 (yen)", consumption tax payment is "0 (yen)", loan repayment amount is "0 (yen)", TK (anonymous partnership) principal repayment amount is "0 (yen)", income/expenses is "1,531,200 (yen)", and CF (cash flow) accumulated amount is "1,531,200 (yen)".

Here, of the cash flows shown in FIG. 6, the lease fee (rental cost) for the first period "5,368,000 (yen)" is equal to eight months' worth of the total monthly lease fee (gross) "671,000 (yen)" shown in FIG. 5C. Also, of the cash flows shown in FIG. 6, the vehicle sales amount for the fourth period "15,500,000 (yen)" is equal to the total sales price shown in FIG. 5A (i.e., the sales price for eight vehicles). Also, of the cash flows shown in FIG. 6, the vehicle purchase amount for the first period "27,200,000 (yen)" is equal to the total investment price shown in FIG. 5A (i.e., the investment price for eight vehicles).

In the income statement (profit and loss of the truck fund) shown in Figure 6, the profit and accumulated profit are calculated using the lease fee (rental cost) and the vehicle sales amount (sales price) as sales, and various expenses, borrowing interest, and depreciation as expenses.
Specifically, in the first period, the lease fee (rental cost) is "5,368,000 (yen)" and the vehicle sales amount is "0 (yen)", so the total sales amount is "5,368,000 (yen)". In addition, the miscellaneous expenses are "4,528,000 (yen)", the borrowing interest is "0 (yen)", and the depreciation expense is "18,133,333 (yen)", so the total expenses amount is "22,661,333 (yen)". As a result, the profit amount is "-17,293,333 (yen)" and the accumulated profit amount is "-17,293,333 (yen)".

Here, in the income statement shown in Fig. 6, the lease fee (rental cost) for the first period "5,368,000 (yen)" matches eight months' worth of the total monthly lease fee (gross) "671,000 (yen)" shown in Fig. 5C. Also, in the income statement shown in Fig. 6, the depreciation expense for the first period "18,133,333 (yen)" matches the total depreciation amount for the first year shown in Fig. 5B (i.e., the depreciation amount for eight units in the first year).
Another specific example of information stored in the calculation result DB 402 as the calculation result by the profit and loss calculation unit 304 is as shown in FIG.

Looking at the progress of the profit amount for each period in the income statement of FIG. 6, the profit amount for the first period is "-17,293,333 (yen)" as described above. Also, the profit amount for the second period is "-3,581,667 (yen)" and the accumulated profit amount is "-20,875,000 (yen)". However, in the third period, the profit amount turns positive, becoming "7,563,000 (yen)" and the accumulated profit amount is "-13,312,000 (yen)". Furthermore, in the fourth period, the profit amount becomes more positive, becoming "14,425,000 (yen)", and the accumulated profit amount also turns positive, becoming "1,113,000 (yen)".
In this way, because Truck Fund products invest in commercial freight transport vehicles such as trucks with short useful lives, profits and losses are positive over the entire period, but depreciation expenses can be recorded significantly in the early accounting years such as the first and second periods. Therefore, a combination of multiple commercial freight transport vehicles to be invested in can be determined according to Investor I's needs.

The combination of the results calculated in the simulation unit 201 is optimized by the product optimization unit 202. As a result, a track fund product is created in which the profit and loss amount of the track fund is the amount desired by investor I.
Specifically, the product optimization unit 202 repeatedly executes the processes of the purchase and sale amount calculation unit 301, the depreciation calculation unit 302, the rental cost calculation unit 303, and the profit and loss calculation unit 304 while changing the above-mentioned parameters, as well as the combination of the number of commercial freight transport vehicles that are the subject of the truck fund product, the purchase price, the sales price, the depreciation cost, the rental cost, the profit and loss of the truck fund, and the profit and loss of investor I. Then, based on the results of this execution, the contents of the truck fund product are determined so that the profit and loss of the truck fund is the amount desired by investor I.

Figure 7 shows an example of the results of optimization performed by the product optimization unit 202 in this manner.

In FIG. 7A, the number of commercial freight transport vehicles that are the subject of the truck fund, the vehicle purchase cost, the vehicle sales price, the first year depreciation cost, and the first year rental cost are shown as information about the truck fund product optimized by the product optimization unit 202. Specifically, it is shown that the optimal number of commercial freight transport vehicles that are the subject of the truck fund is "8 (vehicles)", in which case the vehicle purchase cost is "27,200,000 (yen)", the vehicle sales price is "15,500,000 (yen)", the first year depreciation cost is "18,133,333 (yen)", and the first year rental cost is "5,368,000 (yen)".

Here, the vehicle purchase cost "27,200,000 (yen)" shown in FIG. 7A matches the vehicle purchase amount in the first period in the cash flow shown in FIG. 6. Also, the vehicle sales amount "15,500,000 (yen)" shown in FIG. 7A matches the vehicle sales amount in the fourth period in the cash flow and income statement shown in FIG. 6. Also, the first year depreciation expense "18,133,333 (yen)" shown in FIG. 7A matches the depreciation expense in the first period in the income statement shown in FIG. 6.

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

Here, the first year loss amount "-17,293,333 (yen)" shown in FIG. 7B matches the profit amount for the first period in the profit and loss statement shown in FIG. 6. Also, the investor investment amount "30,000,000 (yen)" shown in FIG. 7B matches the TK (anonymous partnership) investment amount for the first period in the cash flow shown in FIG. 6. Also, the first year depreciation expense "18,133,333 (yen)" shown in FIG. 7A matches the depreciation expense for the first period in the profit and loss statement shown in FIG. 6.
In this way, the combination of the results calculated in the simulation unit 201 is optimized by the product optimization unit 202 to create a truck fund product in which the profit and loss of the truck fund is the amount desired by investor I. That is, in the example shown in Figures 5 to 8, a truck fund product in which the number of commercial freight transport vehicles is "8 vehicles," investor I's investment amount is "30,000,000 (yen)," and the loss amount for the first year is "-17,293,333 (yen)" is proposed to investor I.

FIG. 8 shows an example of vehicle information for eight commercial freight vehicles that make up the optimized Truck Fund product as described above.
As shown in Fig. 8, vehicle information for eight commercial freight transport vehicles includes the vehicle control number, vehicle photo, vehicle name, model year, manufacturer, and vehicle user location. The vehicle information shown in Fig. 8 can be made viewable by investor I and lessee R using investor terminal 2 and lessee terminal 4.

Although one embodiment of the present invention has been described above, the present invention is not limited to the above-mentioned embodiment, and modifications and improvements that can achieve the object of the present invention are included in the present invention.

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

Furthermore, the functional block diagrams shown in Figures 3 and 4 are merely examples and are not particularly limited. In other words, it is sufficient for the information processing device to have the functionality to execute the above-mentioned series of processes as a whole, and the functional blocks used to realize this functionality are not particularly limited to the examples in Figures 3 and 4.

Furthermore, the locations of the functional blocks are not limited to those shown in FIGS.
Furthermore, one functional block may be configured as a single piece of hardware, a single piece of software, or a combination of both.

When the processing of each functional block is executed by software, the program constituting the software is installed into a computer or the like from a network or a recording medium.
The computer may be a computer built into dedicated hardware, or may be a computer capable of executing various functions by installing various programs, such as a server, a general-purpose smartphone, or a personal computer.

Recording media containing such programs are not only configured as removable media that are distributed separately from the device body in order to provide each user with the program, but also as recording media etc. that are provided to each user in a state where they are already installed in the device body.

In addition, the number of conditions in the calculation of the rental cost for the commercial freight transport vehicle by the rental cost calculation unit 303 is not limited to one. The rental cost calculation unit 303 can perform calculation for each of the conditions set in the calculation of the rental cost for the commercial freight transport vehicle.
For example, the rental cost of a vehicle can be calculated based on the amount of compensation that a lessee R receives when using a commercial cargo transport vehicle to provide a specified service.
This enables the fund manager FM to rent out commercial cargo transport vehicles and also provide (mediate) the actual cargo transport services using the commercial cargo transport vehicles to the lessee R.

In addition, the t number of commercial cargo transport vehicles that are subject to lease under the Truck Fund can include a towing vehicle that can be separated into a tractor (a towing vehicle including a driver's seat) and a trailer (a towed vehicle such as a cargo bed or passenger car).
Here, since trailers can be depreciated in the same way as driving vehicles such as trucks and tractors, investor I can enjoy the benefits of depreciation described above.
In addition, trailers have the advantage of being less prone to breakdowns than driven vehicles, and therefore have the advantage of lower running costs than driven vehicles. Furthermore, trailers have the advantage of being less likely to depreciate when sold compared to driven vehicles. For this reason, it is possible to actively include trailers in the investment targets of truck funds, for example by increasing the number of trailers per tractor.
This makes it possible to easily and simply create a fund product that further optimizes the profits and losses of each of the investor I, the fund manager FM, the track fund, and the borrower R.

In the above embodiment, the vehicle that is the target of the truck fund product is a used car, but it is not limited to a used car. A new car can also be the target of the truck fund product. Even in this case, since the useful life of a vehicle is shorter than that of real estate, a certain advantage can be enjoyed from depreciation.
In addition, when the vehicle covered by the Truck Fund product is a new car, Investor I can enjoy the same benefits as with a used car by combining financing through the fund with financing through a loan.
This is because, generally, the useful life of a new car is longer than that of a used car, so it is more difficult to enjoy the benefits of depreciation than with a used car. However, by combining this with financing through a loan, investor I can increase the proportion of depreciation expenses relative to his or her investment amount.

In addition, in the above-described embodiment, the fund manager FM purchases a commercial cargo transport vehicle, enters into a vehicle purchase and sale agreement, a vehicle lease agreement, and an asset management agreement with the truck fund, and then leases the commercial cargo transport vehicle to the lessee R.
However, without being limited to the above embodiment, the truck fund may directly purchase a commercial freight transport vehicle and rent it to the lessee R.

In summary, the information processing apparatus to which the present invention is applied is sufficient if it has the following configuration, and can take various different embodiments.
That is, the information processing device to which the present invention is applied is
a purchase/sales amount calculation unit (e.g., the purchase/sales amount calculation unit 301 in FIG. 3 and FIG. 4 ) that calculates the purchase amount and the sales amount after a predetermined period of time of t vehicles (e.g., commercial freight transport vehicles) (t is an integer value of 1 or more) including at least vehicle type, history information including elapsed years, and price as parameters;
a rental cost calculation unit (e.g., rental cost calculation unit 303 in FIGS. 3 and 4 ) that calculates rental costs when a person who has purchased each of the t vehicles (e.g., fund manager FM in FIGS. 1 and 3 ) is the lessor and each of the t vehicles is rented to a specific lessee (e.g., lessee R in FIGS. 1 and 3 ) under a rental contract;
a profit and loss calculation unit (e.g., the profit and loss calculation unit 304 in FIG. 3 and FIG. 4 ) that calculates the profit and loss of the lessor and the profit and loss of an investor (e.g., investor I in FIG. 1 and FIG. 3 ) who purchases a product of a fund (e.g., a truck fund) consisting of a combination of the t vehicles, based on the rental cost, the purchase price, and the sales price;
a product optimization unit (e.g., the product optimization unit 202 in FIG. 3 and FIG. 4 ) that repeatedly executes the processes of the purchase and sale amount calculation unit, the rental cost calculation unit, and the profit and loss calculation unit by changing the combination of the parameters and the t-number of units, the purchase amount, the sale amount, the rental cost, the profit and loss of the lender, and the profit and loss of the investor, and determines the content of the fund product based on the execution results so that the profit and loss of the lender is the amount desired by the investor;
Equipped with.
This makes it possible to easily and simply create fund products that optimize the profits and losses of lenders, investors, and borrowers. In other words, it is possible to provide investors with fund products whose investment targets are excellent in terms of investment yields, supply and demand balance, and trading price stability.

The vehicle management system further includes a depreciation calculation unit (e.g., the depreciation calculation unit 302 in FIG. 3 and FIG. 4 ) that calculates the depreciation cost of each of the t vehicles,
The profit and loss calculation unit further comprises:
Calculating the profit and loss of the lender and the profit and loss of the investors who purchase the fund's products based on the rental cost, the depreciation cost, the purchase price, and the sales price;
The Product Optimization Department further:
The parameters and the t-number of units, the purchase amount, the sales amount, the depreciation expense, the rental expense, the lessor's profit and loss, and the investor's profit and loss can be changed to repeatedly execute the processes of the purchase and sales amount calculation unit, the depreciation calculation unit, the rental expense calculation unit, and the profit and loss calculation unit, and based on the results of these executions, the contents of the fund products can be determined so that the lessor's profit and loss will be the amount desired by the investor.
This makes it possible to easily and simply create fund products that optimize the profits and losses of lenders, investors, and borrowers. In other words, it is possible to provide investors with fund products whose investment targets are excellent in terms of investment yields, supply and demand balance, and trading price stability, and which allow investors to record the profits and losses they desire.

The product optimization unit further comprises:
Based on the amount of funds the lender raises through loans and the amount of funds raised by selling the fund's products, the combination of the loan and the fund can be optimized so that the lender's profit and loss amount is the amount desired by the investor.
This allows us to offer investors fund products that take into account the balance between funds and loans.

At least a portion of the t vehicles may include a towing vehicle that can be separated into a tractor and a trailer.
That is, trailers (cargo beds and passenger cars) can be depreciated in the same way as trucks and tractors, and since they have fewer breakdowns than driving vehicles, their running costs are lower and their price drop is smaller when they are sold. Therefore, by making good use of trailers as investment targets, it is easy and simple to create fund products that further optimize the profits and losses of lenders, investors, and borrowers.

In addition, the rental cost calculation unit further
The rental cost of the vehicle can be calculated based on the amount of compensation that is obtained when the lessee uses the vehicle to provide a specified service.
This allows the fund manager FM (and the truck fund) to not only rent out commercial cargo transport vehicles, but also provide (mediate) the actual cargo transport services using the commercial cargo transport vehicles to the lessee R.

The vehicle may also be a vehicle for carrying passengers.
This makes it possible to provide fund products that are targeted not only at vehicles for transporting cargo as in the above-described embodiment, but also at vehicles for carrying passengers, such as buses.

In this specification, the steps of describing a program to be recorded on a recording medium include not only processes that are performed in chronological order, but also processes that are not necessarily performed in chronological order but are executed in parallel or individually.

In addition, in this specification, the term "system" refers to an overall device that is composed of multiple devices, multiple means, etc.

1: Service providing server 2, 2-1, 2-n: Investor terminal 3, 3-1, 3-m: Seller terminal 4, 4-1, 4-p: Borrower terminal 11: CPU
12. ROM
13. RAM
REFERENCE SIGNS LIST 14 bus 15 input/output interface 16 output unit 17 input unit 18 storage unit 19 communication unit 20 drive 30 removable media 201 simulation unit 202 product optimization unit 203 profit and loss calculation unit 301 purchase/sales amount calculation unit 302 depreciation calculation unit 303 rental cost calculation unit 304 profit calculation unit 401 vehicle DB
402... Calculation result DB
FM: Fund Manager M: Manager I, I-1, I-n: Investor S, S-1, S-m: Seller R, R-1, R-p: Borrower N: Network

Claims (7)

a purchase and sales price calculation unit that calculates the purchase price and sales price after a predetermined period of time for t vehicles (t is an integer value of 1 or more) including at least vehicle type, history information including age, and price as parameters;
a rental cost calculation unit that calculates rental costs when each of the t vehicles is rented to a specific lessee under a rental contract by a person who has purchased each of the t vehicles as a lessor;
a profit and loss calculation unit that calculates the profit and loss of the lender and the profit and loss of an investor who purchases a fund product consisting of the combination of the t vehicles based on the rental cost, the purchase price, and the sales price;
A simulation execution unit that executes a simulation by repeatedly executing the processes of the purchase and sale amount calculation unit, the rental cost calculation unit, and the profit and loss calculation unit by changing the combination of the parameters, the t units, the purchase amount, the sales amount, the rental cost, the profit and loss of the lender, and the profit and loss of the investor , so that the profit and loss of the lender becomes the amount desired by the investor;
An information processing device comprising: A depreciation calculation unit is further provided for calculating a depreciation cost for each of the t vehicles,
The profit and loss calculation unit further comprises:
Calculating the profit and loss of the lender and the profit and loss of the investors who purchase the fund's products based on the rental cost, the depreciation cost, the purchase price, and the sales price;
The simulation execution unit further
Repeatedly executing the processes of the purchase and sale amount calculation unit, the depreciation calculation unit, the rental cost calculation unit, and the profit and loss calculation unit by changing the parameters, the t-unit, the purchase amount, the sales amount, the depreciation calculation unit, the rental cost calculation unit, the profit and loss of the lessor, and the profit and loss of the investor.
The information processing device according to claim 1 . The simulation execution unit further
Executing the simulation so that the profit and loss of the lender will be the amount desired by the investor based on the amount of funds the lender will raise through the loan and the amount of funds the lender will raise by selling the fund product .
3. The information processing device according to claim 1 or 2. At least a portion of the t vehicles includes a towing vehicle that can be separated into a tractor and a trailer.
The information processing device according to claim 1 . The rental cost calculation unit further comprises:
Calculating the rental cost of the vehicle based on the amount of compensation obtained when the lessee uses the vehicle to provide a specified service;
The information processing device according to claim 1 . The vehicle is a commercial freight vehicle.
The information processing device according to claim 1 . The vehicle is a vehicle for carrying passengers.
The information processing device according to claim 1 .

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