WO2015121933A1

WO2015121933A1 - Fund raising system

Info

Publication number: WO2015121933A1
Application number: PCT/JP2014/053248
Authority: WO
Inventors: 秀也岡崎
Original assignee: 秀也岡崎
Priority date: 2014-02-13
Filing date: 2014-02-13
Publication date: 2015-08-20

Abstract

A fund raising system according to the present invention is characterized by being provided with an information processing unit (17) that, in order to ensure a predetermined profit by managing funds raised for a business, calculates a predetermined index value for determining, on the basis of the predetermined value and a predetermined computing method, whether a predetermined value set in a solicitation plan for the funds is properly set.

Description

Funding system

The present invention relates to a fund procurement system.

In the past, when a business operator solicits funds for its own business, it usually took the following form. That is, a bank, a securities company, an insurance company, an investment fund, etc. (hereinafter referred to as a financial intermediary) deposits funds from the masses with cash, and the financial intermediary provides the funds to businesses.
However, although the operator can receive funding in such a form, intermediate costs are generated due to the intermediary between the masses and the business operators, and the funds provided by the masses are efficiently utilized by the business operators. I could n’t flow down. In addition, because financial intermediaries examine eligibility for businesses that provide funds, there are also restrictions such as businesses must have certain assets in order to comply with the examination. Even if such an adverse effect existed, there was no other effective means of receiving funds directly from the masses, so operators were forced to rely on this form.

In recent years, the spread of the Internet has created and spread the form of crowdfunding, etc., where companies that require funds as described above create their own funds and solicit funds directly from the public via the Internet. is there.
In the product investment system according to Patent Document 1, the investment information including the minimum amount of money that is the recruitment amount set by the image and the text showing the content of the product for which the business requires the funds, Held in a storage device in the system. Investors who are general individuals or corporations can browse the contents of the product from their terminals through the Internet. An investor can apply for investment on the system for the viewed product. The investment application from the investor is managed on the system, and when the investment amount reaches the minimum funding amount, the system performs a fund recovery process.

JP 2001-312605 A

However, the fund raising system via the Internet like the invention according to Patent Document 1 has made a structure in which funds flow directly from the masses to businesses, but for those who provide funds, the fund or business There is a negative effect that it is difficult to judge whether it is sufficiently reliable. The fact that the other party's identity cannot be seen at all due to the Internet is also a factor that promotes such harmful effects. In the form of providing funds through the financial intermediaries, the reliability is ensured because the financial intermediaries examine the business operators as described above. In other words, the financial intermediary had the function of guaranteeing the reliability of the funding as well as the function of mediating the funding. The latter function has been lacking in the conventional fund raising system via the Internet.

Therefore, the fund procurement system according to the present invention has a function of determining whether the fund plan related to the fund is sound, and the fund must be approved through an audit by a professional such as a lawyer or a certified public accountant. The purpose is to have a function for ensuring the reliability of the fund as described above by adopting a mechanism that does not hold.

As a means for solving the above problems, the fund raising fund system according to the present invention is set in the fund solicitation plan in order to secure a predetermined profit by the operation of the fund in the fund raising for the business. And an information processing unit that calculates a predetermined index value used for determining whether or not the predetermined numerical value is properly set based on the predetermined numerical value and a predetermined calculation method. And

Further, as a means for solving the above problem, in the fund raising fund system according to the present invention, the information processing unit uses the index value to determine whether or not a desired amount of funds is set appropriately. It is characterized in that only cases that have been determined based on and determined that the desired amount of funds has been set appropriately are disclosed.

Further, as a means for solving the above-mentioned problem, it is an absolute condition that an audit by a professional such as a lawyer, a certified public accountant or the like is included, and in the funding funding system according to the present invention, the information processing unit is the Only when the result of the audit indicates that the audit has been passed, the registration is updated as a case where the contract for funds is established.

According to the present invention, the business operator can determine whether the set amount of money is appropriate based on the index value calculated by the system, and has a function for ensuring the reliability of the fund in the system. You can have it. In using the fund raising system according to the present invention, when the collected funds are delivered to a business operator, it is required to receive funding that is an absolute requirement to undergo an audit of a professional such as a lawyer or a certified public accountant. By making it clear at the time, it is possible to give restraint to businesses and a sense of security to the public.

It is a block diagram of the fund procurement system which concerns on the form for implementing this invention. It is a figure which shows an example of the provider information which concerns on the form for implementing this invention. It is a figure which shows an example of the fund information which concerns on the form for implementing this invention. It is a figure which shows an example of the special discount information which concerns on the form for implementing this invention. It is a figure which shows an example of the application information which concerns on the form for implementing this invention. It is a schematic diagram of the fund analysis screen which concerns on the form for implementing this invention. It is a schematic diagram of the fund analysis screen which concerns on the form for implementing this invention. It is a schematic diagram of the fund analysis screen which concerns on the form for implementing this invention. It is a schematic diagram of the fund analysis screen which concerns on the form for implementing this invention. It is a schematic diagram of the fund analysis screen which concerns on the form for implementing this invention. It is a schematic diagram of the fund registration screen which concerns on the form for implementing this invention. It is a schematic diagram of the fund search screen which concerns on the form for implementing this invention. It is a schematic diagram of the fund detailed screen which concerns on the form for implementing this invention. It is a schematic diagram of the screen which displays the progress situation etc. of the fund application concerning the form for carrying out the present invention It is a flowchart which shows the process after the registration of the fund which concerns on the form for implementing this invention. It is a flowchart which shows the process after the application to the fund which concerns on the form for implementing this invention.

The fund raising system according to the present invention (hereinafter referred to as the present system) is a system used by a business operator who needs funds for a business to create a fund for soliciting funds and to publish it through the Internet. If a person who has viewed the contents of a public fund (hereinafter referred to as a viewer) agrees and wants to provide funds, he can apply for the fund on the funding system. In return, the person who applied for the fund and provided the funds (hereinafter referred to as a collaborator) can receive preferential treatment when using the services related to the business. For example, the special treatment includes discounting the price including free of charge when purchasing a product related to the business or using the service (hereinafter referred to as a special discount).

In addition, when the above-mentioned company creates a fund, predetermined information related to the fund is input to this system. This system analyzes the fund based on the input information, and calculates the earnings forecast when the fund is invested. The business operator can determine whether the set amount of the fund is appropriate based on this balance forecast on this system. The fund's set amount is appropriate based on the fact that a predetermined profit can be secured in the calculated balance forecast. That is, the set amount of the fund that can ensure the predetermined profit as a minimum is the upper limit of the funds that can be procured.

Hereinafter, an embodiment as a mode for carrying out the present invention will be described in detail with reference to the drawings. It should be noted that the use of the service related to the business includes the purchase of products related to the business. In addition, when the period during which the special treatment can be received is limited, this period is referred to as a special treatment period.

<Example 1>
FIG. 1 is a configuration diagram of the present system. This system includes a server 1 and a terminal 2. The number of terminals is not limited to one, but the terminal operated by an unspecified number of users (operators or viewers) using the system is connected to the server 1 via the Internet. The server 1 is a general computer. Further, the server 1 does not have to be a physically single server, and may be configured such that each function of the server 1 is distributed to a plurality of servers and processed in parallel. The terminal 2 may be anything that can be connected to the Internet, has a screen, and can install an application that can use a service provided by the present system. Specifically, it is a general computer, a tablet terminal, a smart phone, a mobile phone, or the like.

The server 1 includes a central processing unit 11, a main storage device 12, an auxiliary storage device 13, an input interface 14, an output interface 15, and a communication interface 16. These are connected to each other by a bus. The server 1 is communicably connected to the outside via the communication interface 16. The auxiliary storage device 13 stores business information 31, fund information 32, special discount information 33, and application information 34. The information processing unit 17 is a program in an execution state, and is read out from the auxiliary storage device 13 by the central processing unit 11 and loaded into the main storage device 12, and then the function of the program is executed. Hereinafter, the information processing unit 17 is expressed as a subject of processing by the program.

FIG. 2 is a table showing the configuration of the provider information 31. The business operator information 31 stores information about business operators seeking funds. The first line indicates information items included in the business operator information 31, and the contents described in the second and subsequent lines are a unit of information, and this unit of information is called a record. . Other information (fund information 32 to application information 34) stored in the auxiliary storage device 13 has the same configuration.

In the table, column 311 is the business ID, column 312 is the name of the business, column 313 is the location of the business or store of the business, column 314 is the person in charge, and column 315 is the email address. The column 316 registers the URL of the website, the column 317 stores the bank account, the column 318 indicates whether the company is listed, and the column 319 stores the type of business to which the business belongs. The business operator ID is an identifier that uniquely identifies the business operator.

FIG. 3 is a diagram showing the structure of the fund information 32. As shown in FIG. The fund information 32 stores information about a fund for which a business solicits funds. In the table, the column 321 is the fund ID, the column 322 is the business operator ID, the column 323 is the name, the column 324 is the target amount of funds, the column 325 is the purpose of the business to be funded, and the column 326 is Is the contents of the project to be funded, column 327 is the scheduled start date of the project to be funded, column 328 is the scheduled completion date of the project to be funded, and column 329 is the case of applying for funds The amount of money for one mouth, the application deadline in the column 3210, the progress status in the predetermined process in the column 3211, and the status as to whether or not to open the fund to the public are registered in the column 3212, respectively.

The fund ID is an identifier that uniquely identifies the fund. The company ID corresponds to the company ID in the company information 31 described above. As a result, the fund information 32 record and the business operator information 31 are linked, and it is possible to determine which business the fund registered in the fund information 32 belongs to. The target amount of funds is an amount set by the business operator that solicits the funds. If the total amount of funds collected does not reach the target amount after the application deadline has passed, the fund is not established.

The progress status indicates the stage in the process defined by this system from when the fund is registered until the contract is established or not established. For the status, if this is on, it indicates that the fund is open. Thus, if the status is off, it indicates that the fund is not open to the public. “Public” means setting whether or not to be a target of search by an unspecified number of viewers in the fund search described later (description of the screen 50 (FIG. 12)). In other words, only records whose status is on are subject to the search, and can be hit when the search conditions are satisfied, so that they are made public.

FIG. 4 is a table showing the structure of the special discount information 33. In the special discount information 33, specific contents of the special discount are registered. In the table, column 331 is a special discount ID, column 332 is a fund ID, column 333 is an implementation method, column 334 is a discount rate, column 335 is a minimum usage amount, and column 336 is a special discount. In the column 337, discount methods are registered respectively.

The special discount ID is an identifier that uniquely identifies a special discount for each fund. The fund ID corresponds to the fund ID in the fund information 32 described above. As a result, the record of the special discount information 33 and the record of the fund information 32 are linked, and it is possible to determine which fund the special discount registered in the special discount information 33 is for.

FIG. 5 is a table showing the configuration of the application information 34. When the viewer applies for the fund, the information processing unit 17 registers a record in the application information 34. In the table, the column 341 has an application ID, the column 342 has a collaborator ID, the column 343 has a fund ID, the column 344 has received an application, and the column 345 has received an application on the system. The date and time, column 346 shows the method of depositing funds, column 347 shows the bank account number to which the funds deposited in the unsuccessful fund are returned, and column 348 shows whether the application is valid as a contract. Each is registered.

Application ID is an identifier that uniquely identifies application information. The collaborator ID uniquely identifies the collaborator, and uses information unique to the collaborator (for example, an e-mail address). You may create your own collaborator ID on this system. The fund ID identifies a fund to be applied, and corresponds to the fund ID in the fund information 32 described above. With these, the record of the application information 34 is linked to the record of the collaborator and the fund information 32, and it is possible to determine which collaborator has applied for which fund.

Fig. 6 is a schematic diagram of the fund analysis screen. This system has a funding function that analyzes whether or not the amount of funds that an operator wants to raise is appropriate. When the business operator inputs predetermined information on the fund analysis screen 41, the information processing unit 17 analyzes the balance by simulating the balance when the fund is operated based on the information, and the result is the same fund analysis screen. Output to.

If the value of profit calculated by the above analysis is equal to or greater than a predetermined value, it is determined that the amount of funds that the operator intends to raise is within an appropriate range. In the balance calculation by the analysis, a value based on the effect of investing the fund is added. In addition, in the balance calculation, the value based on the debt from the recruitment of funds is deducted.

Details of the fund analysis screen 41 will be described. In addition, when specifying the value in the table of the fund analysis screen 41, the display (for example, 4111a) which combined the number of the column where the value is described, and the symbol of the line where the value is described is used. I will do it. When a row in a table is specified, or when individual values written in a specific row are indicated collectively, a display combining the number of the table and the symbol of the row (for example, 415a) (The same applies to FIGS. 7 to 10).

A business operator seeking a fund inputs predetermined information related to the fund in Table 411. The predetermined information related to the fund includes the desired amount of money 4111a, unit price 4111b, discount rate 4111c, total number of users 4111d, number of users (number of customers) 4111e, number of cooperators 4111f, cooperator ratio 4111g, normal The number of uses is 4111h, and the number of uses is 4111i.

The desired acquisition amount 4111a indicates the amount that the business operator wishes to acquire with the fund. The unit price 4111b indicates the amount per unit when applying for the fund. The discount rate 4111c indicates a discount rate in a preferential discount given to a collaborator. The normal use count 4111h is an actual value of the average number of times the customer uses the service of the operator in January. Further, it is expected that a person who becomes a collaborator among the above customers uses the service at a frequency higher than the normal usage count 4111h during the special treatment period in which the special treatment discount is received. The number of preferential treatment use times is a predicted value of the average number of times that the cooperator uses the service of the business in January in such a case.

The total number of users 4111d and the number of users 4111e are the total number of customers and net number of customers who used the service of the business in January. Therefore, the number of users 4111e can be considered as the number of customers owned by the business. The number of users (number of customers) 4111e may be calculated by the information processing unit 17 dividing the total number of users 4111d by the number of normal usage times 4111h.

The number of collaborators 4111f is a predicted value of the number of collaborators acquired by the fund, and the collaborator ratio 4111g is a ratio of the number of collaborators to the number of customers owned by the business. The information processing unit 17 may calculate the number of cooperators 4111f by multiplying the number of customers 4111e and the cooperator ratio 4111g.

A business operator seeking a fund inputs, in Table 412, an actual value so far and an expected value after the fund has been introduced with respect to accounting items, etc., which are predetermined information related to the business of the business operator. The predetermined information related to sales is the total number of users 412a, average customer unit price 412b, cost rate 412c, fixed expenses 412d, executive salary 412e, and bank loan repayment 412f, each of which has different values depending on the period Indicates the number per month. The accounting items included in the analysis are examples, and are selected according to the accuracy required for the analysis.

In Table 413, the amount obtained based on the input information is displayed. The acquisition amount gross 4131a is the total amount of funds paid from the cooperator. The acquisition amount net 4131b is an amount obtained by subtracting a predetermined rate of fee from the acquisition amount gross 4131a, and is an amount paid to a collaborator. The information processing unit 17 calculates the earned amount gross 4131a by multiplying the unit price 4111b by the number of collaborators 4111f. Further, the information processing unit 17 calculates a predetermined amount of fee from the acquired amount gross 4131a and subtracts this to calculate the acquired amount net 4131b.

In Table 414, information on the predicted sales statistics per month calculated by the above analysis is output. The output information is divided into statistics for a collaborator and a general customer who is a customer other than the collaborator. For the collaborators, further statistics are provided for each of the special treatment period and outside the special treatment period. The contents of the statistics are the net number of people 414a, the number of uses 414b, the total number of people 414c, the average customer unit price 414d, and the sales amount 414e. The net number of collaborators 4141a (4142a) is the same as the number of collaborators 4111f. The net number 4143a of general customers is obtained by subtracting the net number 4141a (4142a) of the cooperator from the value obtained by dividing the predicted value 4122a of the total number of users by the normal usage number 4111h (the estimated value of the number of net users). To calculate.

The number of times of use 4141b in the preferential period of the collaborator quotes the preferential period use number 4111i. The usage count 4142b outside the preferential treatment period of the cooperator and the usage count 4143b of the general customer respectively quote the normal usage count 4111h. The total number of people 414c is calculated by multiplying the net number of people 414a and the number of uses 414b. The average customer unit price 414d is calculated by multiplying the average customer unit price 4141d of the cooperator during the preferential treatment period by the predicted value 4122b of the average customer unit price and “100% -discount rate 4111c”. For other items (average customer unit price 4142d, 4143d), the predicted value 4122b of the average customer unit price is quoted. The sales 414e is calculated by multiplying the total number of people 414c and the average customer unit price 414d.

In Table 415, information on the monthly balance calculated by the above analysis is output. The monthly balance is calculated for the actual value before the fund is entered and the predicted value after the fund is entered. Furthermore, the predicted value is calculated for the special treatment period and outside the special treatment period. The sales amount 4151a before the fund is introduced is calculated by multiplying the actual value 4121a of the total number of customers at the store and the actual value 4121b of the average customer unit price. The sales amounts 4152a and 4153a after the fund input are calculated by adding together the sales amounts 4142e and 4141e of the cooperators for the corresponding period and the sales amount 4143e of the general customers.

The expense 415b is calculated by adding the variable expense 415c and the fixed expense 415d. The variable cost 415c is calculated by multiplying the sales amount 415a and the cost rate 412c. However, the variable expense 4153c for the preferential treatment period is calculated based on the average customer unit price when the discount rate 4111c is not applied. For the calculation of the sales amount, the predicted value 4122b of the average customer unit price is used as it is in place of the average customer unit price 4141d of the cooperator during the special treatment period. That is, instead of the sales amount 4141e, the product of the total number of people 4141c and the predicted value 4122b of the average customer unit price is calculated as the temporary sales amount.

Quoting fixed cost 412d as fixed cost. The fixed cost 415f other than the executive salary is calculated by subtracting the executive salary 412e from the fixed cost 415d. In calculating the balance, when using the values in Table 412, the actual value (column 4121) is used for the balance before the fund (column 4151), and the balance after the fund (columns 4152 and 4153). The predicted value (column 4122) is used for.

Profit 415h is calculated by subtracting the cost 415b from the sales 415a. The margin value 415i indicates how much margin the profit 415h has from the predetermined lower limit value. The predetermined lower limit is a lower limit of profit 415h for determining that each set amount related to the fund is appropriate. For example, when profit 415h is in the red, Apply the maximum amount of deficit that can be compensated from e.

FIG. 11 is a schematic diagram of a screen 47 for registering information on the fund and the company that created the fund. On the screen 47, a frame 48 and a frame 49 are displayed. In the frame 48, information related to the business operator is input. Enter your name in the column 481, the location of the sales office in the column 482, the mail address in the column 483, the URL of the website in the column 484, and the name of the person in charge in the column 485.

In the frame 49, information related to the fund is registered. If the name of the fund is set in the column 491, the unit price in the column 493, the desired amount to be acquired in the column 494, the discount rate of the special discount is set in the column 495, and the minimum amount that can use the special discount is set in the column 497 In the Amount field 499, the contents of the business that is the purpose of using the funds are entered. The radio button 492 selects the purpose of use of the funds, whether the radio button 496 has a minimum amount for which a special discount can be used, and the check box 498 selects a discount method using the special discount.

After inputting the predetermined items, the button 471 is pressed. When the button 471 is pressed, information input on the screen 47 is transmitted from the terminal 2 to the server 1. When the server 1 receives the information from the terminal 2, the information processing unit 17 registers a record in the business operator information 31 and the fund information 32. In the record, the received information is registered in appropriate fields. In the target amount (column 324) of the fund information 32, an amount obtained by adding a predetermined percentage of fee to the desired acquisition amount (column 494) is registered. Further, when registering the record, the information processing unit 17 generates and registers a unique business operator ID (columns 311 and 322) and a unique fund ID (column 321) according to a predetermined rule.

FIG. 12 is a schematic diagram of a screen 50 for searching for funds. A frame 51 and a table 52 are displayed on the screen 50. In the frame 51, fund search conditions are input. As a search condition, for example, a region or a business type can be set as shown in the figure. In addition, information in the company information 31 and the fund information 32 can be added as a search condition. When a desired search condition is input and a button 517 is pressed, the input search condition is transmitted to the server 1.

When the server 1 receives the search condition, the information processing unit 17 covers records that are registered in the provider information 31 and the fund information 32 and linked to each other by the provider ID. Are combined, and a search is performed on these based on the search condition. The search result is output in Table 52. Accordingly, each row of the table 52 is a combination of one record of the

business entity information

31 and 1 record of the fund information 32 based on the business entity ID. The columns 525, 526, and 527 of the table 52 correspond to the

columns

312, 319, and 313 related to the provider information 31, respectively, and the

columns

521, 522, 523, 524, and 528 correspond to the columns 323 related to the fund information 32, respectively. 325, 329, 324, 3210.

Each row in the table 52 can be selected. When one row is selected, the fund ID of the fund related to that row is transmitted to the server 1, and the screen display is changed to the screen 53 (FIG. 13). . In the server 1, the information processing unit 17 performs a search using the received fund ID as a search condition.

FIG. 13 is a schematic diagram of a screen 53 that displays information about funds and preferential discounts related to the row selected in Table 52 (FIG. 12). On the screen 53, a frame 54 and a frame 55 are displayed. When the selection operation is performed, the information processing unit 17 joins the records registered in the fund information 32 and the preferential discount information 33 and linked with the fund ID as described above. For these, a search is performed using the fund ID received as a search condition. In the frame 54, information of the combined records obtained as the search result is displayed. The

columns

541, 542, 543, 547, and 548 correspond to the

columns

323, 329, 324, 325, and 326 related to the fund information 32, respectively, the

columns

544 and 545, and the

columns

334 and 335 related to the preferential discount information 33, respectively. Corresponding to The list 546 is generated based on the

fields

336 and 337.

In the frame 55, information necessary for applying to the fund is entered. In the frame, in the

fields

551, 552, 553, and 554, the mail address of the collaborator, the number of applications, the funds deposit method, and the bank account are entered. When a predetermined item is input and the button 531 is pressed, the input item and the fund ID of the fund are transmitted to the server 1.

When the server 1 receives the information input on the screen 55 from the terminal 2, the information processing unit 17 registers a record in the application information 34 based on the information. Information input in the

fields

551, 552, 553, and 554 input on the screen 50 is registered in the

fields

342, 344, 346, and 347 of the application information 34, respectively. In the column 341, when the record is registered, the information processing unit 17 generates and registers a unique application ID according to a predetermined rule.

In the column 343, the fund ID transmitted simultaneously with the information input in the frame 55 is registered. As described above, the record of the application information 34 and the fund information 32 is linked by this fund ID. In the column 345, the date and time when the server 1 receives the information is registered as the application date and time. The status in the column 348 is turned off at the time of registration, and is updated to be turned on when payment from a collaborator is confirmed, as will be described later (description of FIG. 16).

FIG. 14 is a schematic diagram of a screen 56 that displays a progress status of a fund related to a specific business operator or a collaborator as a target person. On the screen, a column 568 indicating the time when the screen is displayed, and a table 560 showing a list of fund progress statuses and the like are displayed. Table 560 lists funds that the target person has created or applied for.

The information processing unit 17 stores the business ID of the target person or the collaborator ID, and creates the table 560 by searching the fund information 32 based on the information when the screen 56 is displayed. To do. As a method for the information processing unit 17 to acquire the business operator ID or the collaborator ID, for example, this system may have an authentication function. Thereby, when the target person performs authentication on the system, the information processing unit 17 can acquire the ID.

When the target person in Table 560 is a business operator, the information processing unit 17 searches the fund information 32 based on the acquired business operator ID, and acquires a record related to the business operator. If the target of Table 560 is a collaborator, the information processing unit 17 comprehensively combines the records of the fund information 32 and the application information 34 based on the fund ID. Next, the information processing unit 17 searches for the combined record based on the acquired collaborator ID, and acquires a record related to the collaborator (hereinafter, a target record).

The information processing unit 17 creates a table 560 based on the target record. In the table,

columns

561, 562, 563, and 566 correspond to the

columns

323, 3211, 324, and 3210 of the fund information 32, respectively. In the column 564, the total amount of applications calculated based on the applications made by all the previous collaborators is displayed. A column 565 displays a numerical value obtained by dividing the total application amount by the target amount, that is, a ratio of the total application amount to the target amount. A column 567 displays the remaining time until the application for the fund is closed. The remaining time is calculated by subtracting the current time from the application deadline in the column 566.

The method for calculating the total application amount will be explained. The information processing unit 17 extracts the fund ID and the unit price from the target record. The application information 34 is searched based on the extracted fund ID, and the total value of the numbers (column 344) registered in all the acquired records is calculated. Next, the information processing section 17 multiplies the calculated total number of units by the extracted unit price and calculates the total application amount. By performing the above processing for every record for all target records, the total application amount to be displayed in each row of the table 560 is calculated.

FIG. 15 is a flowchart showing fund processing in this system. As described above, when the business operator inputs predetermined information on the screen 47 (FIG. 11) and presses the button, the information is transmitted from the terminal 2 to the server 1. In step 611, when the server 1 receives the information, the process proceeds to step 612 (Yes in step 611). When the server 1 does not receive the information, the process returns to step 611 and waits for reception of information (No in step 611).

In step 612, the information processing unit 17 newly registers a record in the business operator information 31 and the fund information 32 based on the information received in step 611. At this time, the progress status (column 3211) of the fund information 32 is registered as awaiting examination, and the status (column 3212) is registered as OFF. The other fields of the newly registered record are as described above in the description of the screen 47 (FIG. 11). When the record is registered, the process proceeds to step 613.

In step 613, the information processing unit 17 examines whether the fund satisfies a predetermined standard based on the information registered in the record created in step 612. In the examination, the information processing unit 17 performs the same processing as the fund analysis performed on the screen 41 (FIG. 6). Therefore, if the value corresponding to the profit 415h is equal to or greater than the publication standard value as a result of the processing, the examination is passed. When the examination is completed, the information processing unit 17 updates the progress status (column 3211) of the record based on the examination result. At this time, if the examination has passed, the progress status is updated to the examination passage. If it has failed, it will be updated to be unsuccessful. When the progress status is updated, the process proceeds to step 614.

In step 614, the information processing section 17 evaluates the examination result in step 613. If the progress status of the record (column 3211) has passed examination, the information processing unit 17 updates the status (column 3212) to ON, and the process proceeds to step 615 (Yes in step 614). When the status is turned on, the fund is open to the public and can be searched from the terminals 2 of an unspecified number of viewers connected to the system. If the progress status is a screening failure, the fund is not established and the processing is terminated (No in step 614).

In step 615, the information processing unit 17 determines whether or not the application deadline (column 3210) relating to the fund has elapsed. If the application deadline has passed, the information processing unit 17 updates the status (column 3212) relating to the fund to OFF, and the process proceeds to step 616 (Yes in step 615). When the status is turned off, the fund is generally closed to the public and cannot be searched from the terminals 2 of an unspecified number of viewers connected to the system. If the application deadline has not elapsed, the process returns to step 615 (No in step 615).

In step 616, the information processing unit 17 determines whether or not the total application amount related to the fund has reached the target amount. The total application amount and the calculation method thereof are the same as those described above for the screen 56 (FIG. 14). For the target amount, refer to the corresponding column (column 324) of the record relating to the fund. If it is determined that the total application amount has reached the target amount, the information processing unit 17 updates the progress status of the record (column 3211) to awaiting auditing, and the process proceeds to step 617 (Yes in step 616). . If the total application amount has not reached the target amount, the information processing unit 17 updates the progress of the record in a poor application. In this case, the fund is not established, and the process ends (No in step 616).

In step 617, the information processing unit 17 waits for input of the result of the audit performed on the fund solicitation. The fund that has reached the target amount in step 616 is audited by an expert, and the audit result is input to the server 1 directly or via the terminal 2. When an audit result is input, the information processing unit 17 updates the progress status (column 3211) of the record based on the audit result. At this time, if the examination has passed, the progress status is updated to audit passing, and if it has failed, it is updated to audit missing. When the progress status is updated, the process proceeds to Step 618 (Yes in Step 617). If there is no audit result input, the process returns to step 617 and waits for input (No in step 617).

In step 618, the information processing section 17 evaluates the audit result in step 617. Then, if the progress status of the record (column 3211) is audit pass, the process proceeds to step 619 (Yes in step 618). If the progress status is an audit failure, the fund is not established and the processing is terminated (No in step 618).

In step 619, the information processing unit 17 performs predetermined processing (processing related to payment to the business operator) when the fund is established. If the fund passes the audit, the contract is finalized, and the business operator can receive funds based on the total application amount. When the predetermined process ends, the series of processes ends.

In step 620, the information processing unit 17 performs predetermined processing (processing related to refund to the cooperator) when the fund is not established. When the predetermined process ends, the series of processes ends.

FIG. 16 is a flowchart showing processing in this system from when an individual application to a fund occurs until a fund contract is established or unsuccessful. As described above, when the collaborator inputs predetermined information on the screen 53 (FIG. 13) and presses the button 531, the information is transmitted from the terminal 2 to the server 1. In step 621, when the information is received, the information processing unit 17 stores the information, and the process proceeds to step 622 (Yes in step 621). If the information is not received, the process returns to step 621, and the information processing unit 17 waits for the server 1 to receive the information (No in step 621).

In step 622, the information processing unit 17 registers a record in the application information 34 based on the information stored in step 621. The contents to be registered in each column of the record are as described above in the description of the screen 53 (FIG. 13). When the record is registered, the process proceeds to step 623.

In step 623, the information processing unit 17 confirms whether or not the funds amount has been received. As a confirmation method, there is a method in which the system acquires information by connecting to an external settlement system or the like by a predetermined protocol. Alternatively, information indicating that the deposit has been made may be directly input to the server 1. If payment is confirmed by the predetermined time limit, the process proceeds to step 624 (Yes in step 623). If payment is not confirmed by the predetermined time limit, the process proceeds to step 625 (No in step 623).

In step 624, the information processing section 17 updates the status (column 348) of the record registered in the application information 34 to ON. The application is approved when the funding amount is received from the collaborator by the predetermined deadline. By turning on the status, it is possible to reflect in the system that the application has been completed. After the record is updated, processing proceeds to step 626.

In step 625, the information processing unit 17 deletes the record registered in the application information 34. This is because if the payment is not confirmed by the predetermined time limit, the application is unsuccessful and the record becomes unnecessary. After the record is deleted, the process ends. Note that even if the record remains, there is no significant adverse effect, so the processing may be terminated without deleting the record.

In step 626, the information processing unit 17 determines whether or not a fund of the fund solicitation subject to the application has been established. The establishment of the fund can be determined by the process proceeding to “fund establishment” in the process according to the flowchart of FIG. Moreover, it can be determined that the fund has been unestablished by proceeding to “fund not established”. If it is determined that the fund has been established, the process proceeds to step 627 (Yes in step 626). If it is determined that the fund has not been established, the process proceeds to step 628 (No in step 626).

In step 627, the information processing unit 17 performs processing for transferring funds acquired by the fund to the merchant. The business operator can receive an amount of money obtained by subtracting a predetermined percentage of the fee from the total application amount. When the remittance process ends, the process ends.
In step 628, the information processing unit 17 performs a refund process, and thereafter ends the process.

<Example 2>
Compared with the first embodiment, the present embodiment differs only in the usage purpose of the fund and the method of fund analysis. Therefore, only different portions will be described, and description of portions common to the first embodiment will be omitted. In this embodiment, the purpose of use of the fund is to purchase its own stock, and analysis is performed as to whether or not the various set amounts of the fund are in an appropriate range. In addition, as a preferential treatment, the company's products are gifted to fund partners every year for a predetermined number of years.

FIG. 7 is a schematic diagram of the fund analysis screen when a fund is solicited for the purpose of purchasing its own shares. The method of specifying the values described in each table in the figure is the same as in FIG. The business operator inputs predetermined information in the tables 421, 422, and 423. The predetermined information input to the table 421 is the number of shares 4211a, the stock price 4211b, and the shareholder management cost 4211d of the company stock to be acquired. As the shareholder management cost 4211d, the management cost per share is input as a ratio to the stock price. Management costs include dividends paid per share. Based on the input information, the information processing unit 17 calculates a stock purchase cost 4211c, a shareholder management cost 4211e per share, and a management cost 4211f per share.

The predetermined information to be entered in the table 422 is a fund unit price 4221b. The information processing unit 17 adds a fee of a predetermined ratio to the stock purchase cost 4211c to calculate the total offer amount 4221a. Further, the information processing unit 17 divides the total offer amount 4221a by the unit price 4221b to calculate the number of units (hereinafter referred to as the number of units offered) 4221c necessary for establishing the fund.
Predetermined information to be entered in the table 423 includes a selling price 4231a, a cost 4231b, and a provision year 4231c of a product gifted by a special treatment (hereinafter, a special product (including a product sold at a special discount)).

The information processing unit 17 calculates the predicted value of the balance when the fund is implemented based on the information in the tables 421, 422, and 423. The information processing unit 17 multiplies the recruitment number 4221c and the cost 4231b of the preferential product to calculate the expenditure 4241a per year. In addition, the information processing unit 17 multiplies the expenditure 4241a and the provision year 4231c to calculate a expenditure 4241b that is a total of expenditures related to the fund.
The information processing unit 17 quotes the shareholder management cost 4211f in the annual revenue 4242a. In addition, the stock acquisition cost 4211c is quoted as the expenditure 4242b which is the total of the revenue related to the fund.

On the screen 42, the suitability of each set amount of the fund can be determined from the table 424 which is the analysis result of the balance of funds. That is, it can be determined that the set amount of the fund is appropriate in the range where the expenditures 4241a and 4241b do not exceed the incomes 4242a and 4242b, respectively. Even if the expenditure 4241a exceeds the income 4242a by year, even if the expenditure 4241b does not exceed the income 4242b by comparison with the total amount, even if it is determined that the set amount of the fund is appropriate Good.

<Example 3>
Compared with the first embodiment, the present embodiment differs only in the usage purpose of the fund and the method of fund analysis. Therefore, only different portions will be described, and description of portions common to the first embodiment will be omitted. In this embodiment, the purpose of use of the fund is repayment of bank borrowing, and an analysis is performed as to whether or not the various set amounts of the fund are within an appropriate range. In addition, as a preferential treatment, the company's products are gifted to fund partners every year for a predetermined number of years.

FIG. 8 is a schematic diagram of the fund analysis screen when a fund is solicited for the purpose of purchasing its own shares. The method of specifying the values described in each table in the figure is the same as in FIG. The business operator inputs predetermined information in the tables 431, 432, and 433. The predetermined information input to the table 431 is a bank borrowing amount 4311a and a monthly repayment amount 4311b. Based on the input information, the information processing unit 17 calculates the repayment amount 4311c in terms of annual amount and the repayment month number 4311d, which is the number of months required for the repayment of the full amount.

The predetermined information to be entered in the table 432 is a unit price 4321b of the fund. The information processing unit 17 calculates a total offer amount 4321a by adding a predetermined ratio of fees to the stock purchase cost 4211c. In addition, the information processing unit 17 divides the total offer amount 4321a by the unit price 4321b to calculate the number 4321c necessary for establishing the fund.
Predetermined information input to the table 433 includes the selling price 4331a, the cost 4331b, and the provision year 4331c of the product given through the preferential treatment.

The information processing unit 17 calculates a predicted value of the balance when the fund is implemented based on the information in the tables 431, 432, and 433. The information processing unit 17 calculates the expenditure 4341a per year by multiplying the offer number 4321c and the cost 4331b of the preferential product. Further, the information processing unit 17 multiplies the expenditure 4341a and the provision year 4331c to calculate the expenditure 4341b that is the total of the expenditures related to the fund.
The information processing unit 17 quotes the shareholder management cost 4211f in the annual revenue 4242a. In addition, the stock acquisition cost 4211c is quoted as income 4242b, which is the total of income related to the fund.

On the screen 43, the suitability of each set amount of the fund can be determined based on the table 434 which is the analysis result of the balance concerning the fund. That is, it can be determined that the set amount of the fund is appropriate in a range where the expenditures 4341a and 4341b do not exceed the revenues 4343a and 4343b, respectively. Even if the expenditure 4341a exceeds the income 4342a by year, even if the expenditure 4341b does not exceed the income 4342b by comparison with the total amount, it may be determined that the set amount of the fund is appropriate. Good.

<Example 4>
In this embodiment, the fund recruitment form is different from that in the first embodiment. In other words, instead of directly applying for the fund by a collaborator, a premium ticket is prepared by adding the amount equivalent to the unit price when applying to the fund to the normal fee for the concert related to the business of the business operator. . By purchasing this premium ticket, the collaborator effectively applies to the fund. As a preferential treatment, for example, a preferential admission right is given to a purchaser of a premium ticket who is a cooperator in the present embodiment. Therefore, the application to the fund in the first embodiment is replaced with the purchase of the premium ticket in the present embodiment, and only other parts different from the first embodiment are described, and the description of the common parts is omitted.

FIG. 9 is a schematic diagram of the fund analysis screen in the case where funds are solicited by selling premium tickets with a bite amount added. The method for specifying the values described in each table in the figure is the same as in FIG. The business operator inputs predetermined information in the tables 441 and 442. Predetermined information to be entered in the table 441 is a predicted concert capacity 4411a, a normal ticket price 4411b, a premium ticket price 4411c, and a premium ticket occupancy 4411d. The premium ticket occupancy 4411d is a ratio of the number of premium ticket sales to the total number of ticket sales. The information processing unit 17 calculates the premium ticket purchaser number 4411e by multiplying the accommodation number 4411a and the premium ticket occupancy 4411d.

The predetermined information to be entered in the table 442 is an expense 4421c required for performing the concert. The information processing unit 17 calculates sales 4421a when only a normal ticket is sold and sales 4421b when a premium ticket is sold. The sales 4421a is calculated by multiplying the number of accommodated persons 4411a and the normal ticket price 4411b. The sales 4421b is a value obtained by multiplying the premium ticket price 4411c and the number of premium ticket purchasers 4411e, and the normal ticket price 4411b and the number of normal ticket purchasers (calculated by subtracting the number of premium ticket purchasers 4411e from the number of persons accommodated 4411a). Calculated by adding the multiplied values.

In the screen 44, the suitability of the set amount of the fund can be determined from the table 442 that is the analysis result of the balance of funds. That is, it can be determined that the set amount of the fund is appropriate in the range where the expense 4421c does not exceed the sales 4421b.

<Example 5>
Compared with the first embodiment, the present embodiment differs only in the usage purpose of the fund and the method of fund analysis. Therefore, only different portions will be described, and description of portions common to the first embodiment will be omitted. In this embodiment, the purpose of use of the fund is payment for capital investment, and analysis is performed as to whether or not the various set amounts of the fund are within an appropriate range. In addition, the fund cooperator is given a privilege to purchase a predetermined quantity of the company's product at a preferential price as a preferential treatment.

FIG. 10 is a schematic diagram of the fund analysis screen in the case where funds for capital investment are solicited as funds. The method of specifying the values described in each table in the figure is the same as in FIG. Businesses seeking funds enter predetermined information in Table 451. The predetermined information is predetermined information related to the fund unit price 4512a, the achievable number of funds 4512b, and preferential products. Predetermined information relating to the preferential product includes a cost 4512c, a normal price 4512d, a preferential price 4512e, a preferential price application number 4512f, and a normal sales planned number 4512g. In the present embodiment, the preferential products include those sold at a normal price.

The fund achievable number 4512b is the number of collaborators expected to apply for the fund. The preferential price application number 4512f is the quantity of preferential products that cooperators can purchase at the preferential price 4512e. The planned sales number of 4512 g is the quantity of the product predicted to be sold other than preferential sales.

The information processing unit 17 performs fund balance analysis processing based on the basic information and outputs the processing results to tables 452, 453, 454, and 455. The table 452 outputs the fund unit price 4522a and the application profits 4521b and 4522b. The application profit is a profit substantially obtained by the difference from the normal price 4512d when the cooperator purchases the product at the preferential price 4512e. The applied profit 4521a is the profit for each preferential product, and the applied profit 4522b is the total amount of the profit when all the predetermined quantities (the preferential price application number 4512f) are purchased.

The fund unit price 4522a quotes the fund unit price 4512a. The application profit 4521b is calculated by subtracting the preferential price 4512e from the normal price 4512d. Also, the application profit 4522b is calculated by multiplying the application profit 4521b and the preferential price application number 4512f. By comparing the fund unit price 4522a and the application profit 4522b, it is possible to know how much profit a collaborator can obtain by applying for the fund as a cost-effectiveness.

In Table 453, sales forecasts for preferential products are output. For the unit price 453a, the regular price 4512d and the preferential price 4512e of the preferential product are quoted in the unit prices 4531a and 4532a, respectively. As for the planned sales number 453b, the normal sales planned number 4512g is quoted in the planned sales number 4531b. Further, the planned sales number 4532b is calculated by multiplying the fund achievable number 4512b and the preferential price application number 4512f of the preferential product. The estimated sales amount 453c is calculated by multiplying the unit price 453a and the planned number of sales 453b.

In Table 454, the acquired amount 4541a and the capital investment possible amount 4541b are output. The acquisition amount 4541a is the total amount of money expected to be collected by applying to the fund, and is calculated by multiplying the fund's unit price 4512a by the achievable number 4512b. The capital investment possible amount 4541b is calculated by subtracting a predetermined rate of commission from the acquired amount 4541a.

In Table 455, expenditure 4551a and income 4551b related to the fund are output. Expenditure 4551a is the total of the cost of capital investment and the cost of the preferential products sold. For the cost of capital investment, the capital investment possible amount 4541b is quoted assuming that all the amount collected by the fund is used. The total cost of the preferential products sold is calculated by multiplying the sum of the planned sales numbers 4531b and 4532b by the preferential product cost 4512c. The revenue 4551b is calculated by adding the capital investment possible amount 4541b and the planned sales amounts 4531c and 4532c.

In the analysis result, as long as the expenditure 4551a does not exceed the income 4551b, it can be determined that the set amount of the fund is appropriate.

1 Server 2 Terminal 31 Company Information 32 Fund Information 33 Preferential Discount Information 34 Application Information 41 Fund Analysis Screen 42 Fund Analysis Screen 43 Fund Analysis Screen 44 Fund Analysis Screen 45 Fund Analysis Screen

Claims

In raising funds for business,
In order to secure a predetermined profit by the operation of the funds, a predetermined index value used for determining whether or not a predetermined numerical value set in the fund solicitation plan is appropriately set,
An information processing unit that calculates based on the predetermined numerical value and a predetermined calculation method;
Funding system characterized by that.
In the fund solicitation plan, a set amount includes a sip amount when applying for the fund solicitation, and a predetermined numerical value relating to a preferential treatment implemented in return for the application,
The information processing unit calculates, as the index value, the profit obtained per unit amount by the preferential treatment based on the unit amount and a predetermined numerical value relating to the preferential treatment,
The fund raising system according to claim 1.
The fund solicitation plan includes the amount of money for applying for the solicitation of funds, the number of achievements that can be expected to be achieved as the number of applications for the solicitation of funds, and various expenses in the operation of the funds. Such a predetermined numerical value is included as a setting value,
The information processing unit calculates, as the index value, income and expenditures due to the operation of the funds, based on the predetermined amount related to the unit price, the number that can be achieved, and various expenses. The fund raising system according to claim 1.
The information processing unit
Register the business to which the funds are to be invested, together with the desired amount of funds and predetermined information relating to the business,
The registered business is disclosed as a case for soliciting the funds so that the predetermined information can be searched,
Register an application for one of the projects with the amount of funds to be supported and the prescribed information pertaining to the application,
For the registered application, the amount of funds to be supported is totaled, and it is determined whether or not the desired amount of funds can be generated based on the total amount of applications as a result of the totalization. And
As a result of the determination, when it is determined that the amount can be generated, the registration is updated as a case where the contract of funds is established,
The fund raising system according to claim 1.
The information processing unit
Determining whether the desired amount of funds is set appropriately based on the index value;
Only publish cases that have been determined that the desired amount of funds is set appropriately,
The fund raising system according to claim 4, wherein:
The information processing unit
Accept the audit results for the one case,
Only when the result of the audit is that the audit has passed, the registration of the one case is updated as a case in which a fund contract has been established.
The fund raising system according to claim 4, wherein: