WO2018092358A1

WO2018092358A1 - Investment assistance system and method

Info

Publication number: WO2018092358A1
Application number: PCT/JP2017/027596
Authority: WO
Inventors: 誠栗林; 和裕西村; 巧野本; 敬司亀山
Original assignee: 株式会社ＦｉｎａｎｃｉａｌＣｏｎｓｕｌｔｉｎｇ
Priority date: 2016-11-16
Filing date: 2017-07-31
Publication date: 2018-05-24
Also published as: TW201820243A

Abstract

A computer system transmits, to each investor terminal of a plurality of investors, candidate information which is information of a plurality of investment subject candidates which the investors may select among. The computer system accepts applications from each of the plurality of investor terminals. The application includes: investor identification information which is information for identifying the investor; selected candidate information which is information which indicates a selection of one or more of the investment subject candidates which are included in the candidate information which has been transmitted to the investor terminals; and investment amount information which is information which indicates an amount of an investment in the one or more investment subject candidates. On the basis of a plurality of applications which have been accepted from the plurality of investor terminals, the computer system determines one or more investment subjects from two or more of the investment subject candidates.

Description

Investment support system and method

The present invention generally relates to technology for supporting investment using a computer.

A collective investment scheme (hereinafter referred to as “fund”) refers to a fund operator (hereinafter referred to as an “operator”) that collects contributions / contributions such as money from other parties and conducts some business / investment using the money. It is a mechanism that distributes profits from investments to investors. The businesses and investments that are currently covered by the fund are diverse.

One of the possible business areas of a fund is investment in assets. For example, an operator specifies an asset to be invested in advance and invests from an investor (a person who contributes or contributes money to the fund, such as an investor) to the specified asset to be invested. Funds are created by collecting money and using the collected money to acquire assets to be invested.

In addition, assets subject to investment may be distributed in the form of transactions such as auctions. When a fund is created with assets distributed in the form of transactions such as auctions as targets for investment, for example, the fund operator invests. Money is collected from the house by investment or the like, and the collected money is used as a fund to participate in the auction of the asset to be invested, and then the asset to be invested is secured by making a successful bid. The “assets” may be tangible or intangible.

Regarding the auction, for example, the techniques of

Patent Documents

1 and 2 are known. Each of

Patent Documents

1 and 2 is a technique for an auction itself, specifically, a technique for joint bidding for an auction.

JP 2002-183510 A JP 2006-004362 A

By the way, there is a need for operators and multiple investors to find attractive assets as targets for investing in assets that are one of the businesses in the fund. As one of methods for satisfying the needs, it is conceivable that a transaction target such as an asset distributed in a commercial transaction (for example, an auction) provided by a person other than the operator is an investment target. One reason is that there is a transaction object such as an asset that is not distributed unless a commercial transaction (for example, an auction) provided by a person other than the operator.

All or part of a plurality of transaction objects distributed in a commercial transaction (for example, auction) provided by a person other than the operator is an investment object candidate that can be selected by the operator for a plurality of investors. Since the commercial transaction is provided by a person other than the operator, the operator selects any of a plurality of investment target candidates as the investment target in the previous stage of the commercial transaction (for example, at least before the transaction is completed). (That is, whether to make an actual transaction). However, it is not easy for an operator to determine an investment object from a plurality of investment object candidates distributed in a commercial transaction provided by a person other than the operator. As an example of the reason, it can be mentioned that it is difficult to grasp for all the investment target candidates how much demand there is for a plurality of investors.

Such a problem can also be caused by commercial transactions provided by the operator.

Also, such a problem cannot be solved using the techniques of

Patent Documents

1 and 2. This is because both

Patent Documents

1 and 2 are joint bidding techniques in which a plurality of participants in an auction jointly bid, and it is necessary for an investor to directly participate in a commercial transaction as a participant and determine an investment target. is there.

The computer system transmits candidate information, which is information of a plurality of investment target candidates that can be selected by the investor, to the investor terminals of the plurality of investors. A computer system accepts an application from each of a plurality of investor terminals. The application includes investor identification information that is information for identifying an investor, selection candidate information that is information indicating selection of one or more investment target candidates included in the candidate information transmitted to the investor terminal, Investment amount information which is information indicating the investment amount for the one or more candidates for investment. The computer system determines one or more investment targets from two or more investment target candidates based on a plurality of applications received from a plurality of investor terminals.

Each of the plurality of investment target candidates may be a transaction target (for example, a product or a service) distributed through at least one commercial transaction. As described above, “auction” is an example of “commerce”. The “auction” may be an auction in which a person who bids the determined amount earliest becomes the winning bidder, or an auction in which the person who bids the highest amount becomes the winning bidder. In other words, the “auction” is generally a mechanism for competing for purchase conditions in order to sell the exhibited object to the person who presented the best purchase conditions, but the purchase conditions for the competition are not limited. The purchase conditions to be competed may be time, amount of money or other conditions. Further, the “auction” may be a real auction such as an auction held at a venue, or a virtual auction such as an auction held at a site on the Internet.

It can be made easy for the operator to determine the investment target from a plurality of investment target candidates.

1 is a block diagram illustrating an entire system according to a first embodiment. It is a block diagram which shows the structure of an investor terminal. It is a block diagram which shows the structure of a buyer terminal. It is a block diagram which shows the structure of an information provision person in charge terminal. It is a block diagram which shows the structure of an investment support server. It is a schematic diagram which shows the structure of an investor management table. It is a schematic diagram which shows the structure of an investment object candidate management table. It is a schematic diagram which shows the process performed in a previous day phase. It is a schematic diagram which shows an example of a previous day application screen. It is a schematic diagram which shows the process performed in the day phase. It is a schematic diagram which shows an example of a day application screen. It is a schematic diagram which shows an example of an auction relay loading screen. It is a schematic diagram which shows an example of a successful bid result screen in the case of successful bid. It is a schematic diagram which shows an example of a successful bid result screen in case a successful bid is not established. It is a schematic diagram which shows an example of a virtual auction hall. 12 is a flowchart illustrating a part of the overall flow of processing according to the second embodiment. 10 is a flowchart showing the remaining flow of the entire process according to the second embodiment.

A collective investment scheme (fund) is a fund operator that collects money or other contributions or contributions from other parties, conducts some kind of business or investment using the money, and returns profits from the business or investment to investors ( For example, it is a mechanism that distributes to investors. The businesses or investments covered by the fund are diverse.

Hereinafter, some embodiments will be described with reference to the drawings. In the following description, “auction” is adopted as an example of “commerce”. The present invention is also applicable to commercial transactions other than auctions.

In the following description, the “interface unit” includes at least one of a user interface unit and a communication interface unit. The user interface unit includes at least one I / O device of one or more I / O devices (for example, an input device (for example, a keyboard and a pointing device), an output device (for example, a display device)), and a display computer. Good. The communication interface unit may include one or more communication interfaces. The one or more communication interfaces may be one or more similar interface devices (for example, one or more NIC (Network Interface Card)) or two or more different interface devices (for example, NIC and HBA (Host Bus Adapter)). It may be. In the following description, the interface device may be abbreviated as “I / F”.

In the following description, the “memory unit” is one or more memories. The at least one memory may be a volatile memory or a non-volatile memory.

In the following description, the “storage unit” includes at least a memory unit among a memory unit and one or more storage devices (typically, a nonvolatile auxiliary storage device).

In the following description, the “processor unit” includes one or more processors. The at least one processor is typically a CPU (Central Processing Unit). The processor unit may include a hardware circuit that performs part or all of the processing.

In the following description, the process may be described using “program” as the subject, but the program is executed by the processor unit, so that the determined process can be appropriately performed in the memory unit and the interface unit. Since the processing is performed using at least one, the subject of processing may be a processor unit (or a computer system having a processor unit). The program may be installed in the computer system from a program source. The program source may be, for example, a storage medium that can be read by a program distribution server or a computer. In the following description, two or more programs may be realized as one program, or one program may be realized as two or more programs.

In the following description, ID or name is adopted as element identification information, but any kind of information may be adopted as long as the element can be identified.

In the following description, information may be described using an expression such as “xxx table”, but the information may be expressed in any data structure. That is, in order to show that the information does not depend on the data structure, the “xxx table” can be referred to as “xxx information”. In the following description, the configuration of each table is an example, and one table may be divided into two or more tables, or all or part of the two or more tables may be a single table. Good.

Also, in the following description, when a description is made without distinguishing the same type of element, a common part in the reference code is used, and when a description is made by distinguishing the same type of element, a reference code may be used. For example, “investor terminal 101” is described when explaining without specifically distinguishing the investor terminal, and “investor terminal 101A”, “investor” when distinguishing and explaining individual investor terminals. It may be described as “terminal 101B”.

In the following description, the “computer system” may be one or more physical computers (for example, a cluster of computers) and includes at least one virtual computer (for example, a VM (Virtual Machine)). But you can. Further, all or part of the functions of the computer system (for example, the investment support server 103 described later) may be exhibited by executing a computer program on a cloud computing system having one or more physical computer resources. Good.

FIG. 1 is a block diagram illustrating the entire system according to the first embodiment.

Investment support server 103 is constructed. The investment support server 103 may be operated by a fund operator, or may be operated by a person different from the fund operator. The investment support server 103 communicates with a plurality of investor terminals 101 (101A, 101B,...), A purchaser terminal 117, and an information provider person terminal 115 via a communication network (for example, the Internet) 105.

Investor terminals 101A, 101B,... Are information processing terminals used by

investors

102A, 102B,. The “investor” is typically a member of a service provided by the investment support server 103, but may be a non-member. The “investor” is not limited to a human but may be a computer (for example, AI (Artificial Intelligence)).

The purchaser terminal 117 is an information processing terminal used by the purchaser 118. The “buyer” may be, for example, a person related to the fund operator among those who participate in auctions and perform transactions such as bidding in order to acquire assets. Further, the investment support server 103 may be configured to directly or indirectly perform a commercial transaction such as an auction. In this case, the investment support server 103 may be the purchaser terminal 117, and any terminal that is directly or indirectly controlled by the investment support server 103 may be the purchaser terminal 117.

The information provision person in charge terminal 115 is an information processing terminal used by the information provision person in charge 116. The “information provider” is, for example, a person who provides information related to the status of commercial transactions such as auctions, and can be a person related to the fund operator, like the buyer 118. Further, the investment support server 103 may be configured to directly or indirectly provide information related to the status of commercial transactions such as auctions. In this case, the investment support server 103 may be the information providing terminal 115, and any terminal controlled directly or indirectly by the investment support server 103 may be the information providing terminal 115.

The types of information processing terminals are not limited in any of the investor terminal 101, the buyer terminal 117, and the information providing person in charge terminal 115. As the information processing terminal, various terminals such as a notebook PC (laptop / Notebook computer / Personal computer), a tablet PC, and a smartphone can be employed.

In the auction in this embodiment, there is an actual auction site 111. In the actual auction hall 111, there is an exhibition area 113 where products to be exhibited for auction are displayed. In the auction hall 111, there are one or more cameras 125 (for example, two

cameras

125A and 125B). There is a video distribution server 121 that distributes video captured by the camera 125. The distributed video may be a still image or a moving image. The video distributed from the video distribution server 121 is sent to the investment support server 103 via the communication network 105. As the auction site, for example, as shown in FIG. 15, a virtual auction site 2500 configured as a page on the auction Web may be employed. The virtual auction hall 2500 has an exhibition product display area 2501 in which products to be exhibited as auction targets are displayed, and an auction information distribution server 2510 that distributes information related to the auction exists. The distributed information may be non-video information such as text information or video information such as a still image or a moving image. Information distributed from the auction information distribution server 2510 (for example, the virtual auction site 2500) may be sent to the investor terminal 101 via the investment support server 103 or not.

The investment support server 103 is an example of a computer system. The investment support server 103 communicates with the investor terminal 101, the purchaser terminal 117, the information provider person terminal 115, and the video distribution server 121 via the communication network 105.

FIG. 2 is a block diagram showing the configuration of the investor terminal 101.

The investor terminal 101 includes an input device 200, a display device 201, an I / F (communication interface device) 204, a memory 202, and a processor 203 connected thereto. In the investor terminal 101, the input device 200, the display device 201, and the I / F 204 are examples of an interface unit. The memory 202 is an example of a storage unit (memory unit). The processor 203 is an example of a processor unit.

The input device 200 is, for example, a keyboard and a mouse. The display device 201 is, for example, a liquid crystal display. The input device 200 and the display device 201 are examples of user interface devices. The user interface device may be a touch panel in which the input device 200 and the display device 201 are integrated.

The memory 202 stores programs such as an OS (Operating System) 213, a browser (typically a Web browser) 212, and an APP (Application Program) 211. The processor 203 executes programs such as the OS 213, the browser 212, and the APP 211. At least one of the browser 212 and the APP 211 operates on the OS 213 and communicates with the investment support server 103 via the I / F 204. At least one of the browser 212 and the APP 211 transmits data to the investment support server 103, receives data from the investment support server 103, and displays at least a part of the received data on the display device 201.

FIG. 3 is a block diagram showing the configuration of the buyer terminal 117.

The buyer terminal 117 includes an input device 300, a display device 301, an I / F 304, a memory 302, and a processor 303 connected thereto.

The input device 300 is, for example, a keyboard and a mouse. The display device 301 is, for example, a liquid crystal display. The input device 300 and the display device 301 are examples of user interface devices. The user interface device may be a touch panel in which the input device 300 and the display device 301 are integrated.

The memory 302 stores programs such as an OS 313, a browser (typically a Web browser) 312, and an APP 311. The processor 303 executes programs such as the OS 313, the browser 312, and the APP 311. At least one of the browser 312 and the APP 311 operates on the OS 313 and communicates with the investment support server 103 via the I / F 304. At least one of the browser 312 and the APP 311 transmits data to the investment support server 103, receives data from the investment support server 103, and displays at least a part of the received data on the display device 301.

FIG. 4 is a block diagram illustrating a configuration of the information providing person-in-charge terminal 115.

The information provider person terminal 115 includes an input device 400, a display device 401, an I / F 404, a memory 402, and a processor 403 connected to them.

The input device 400 is, for example, a keyboard and a mouse. The display device 401 is a liquid crystal display, for example. The input device 400 and the display device 401 are examples of user interface devices. The user interface device may be a touch panel in which the input device 400 and the display device 401 are integrated.

The memory 402 stores programs such as an OS 413, a browser (typically a Web browser) 412, and an APP 411. The processor 403 executes programs such as the OS 413, the browser 412, and the APP 411. At least one of the browser 412 and the APP 411 operates on the OS 413 and communicates with the investment support server 103 via the I / F 404. At least one of the browser 412 and the APP 411 transmits data to the investment support server 103, receives data from the investment support server 103, and displays at least a part of the received data on the display device 401.

FIG. 5 is a block diagram showing the configuration of the investment support server 103.

The investment support server 103 includes an I / F 504, a storage device group 505, a memory 502, and a processor 503 connected thereto. The I / F 504 is an example of an interface unit. In the investment support server 103, the storage device group 505 and the memory 502 are examples of a storage unit. The memory 502 is an example of a memory unit. The processor 503 is an example of a processor unit.

The storage device group 505 is one or more nonvolatile storage devices (for example, HDD (Hard Disk Drive) or SSD (Solid State Drive)). The storage device group 505 stores data such as an investor management table 521 and an investment target candidate management table 522. The investor management table 521 holds information including information on a plurality of investors 102 and information on the investment status of each investor 102. The investment target candidate management table 522 holds information regarding a plurality of investment target candidates. The investor management table 521 holds information on the investor 102, and an investment status management table (not shown) that holds information indicating the investor's investment status with respect to the investment target separately from the investor management table 521. You may comprise so that it may be provided. Further, the “plurality of investment target candidates” are all or a part of a plurality of transaction targets distributed in an auction and are targets that can be selected by a plurality of investors 102. An “auction” is an example of at least one of one or more commercial transactions (for example, one or more commercial transactions provided by a person other than the operator).

A memory 502 includes a list transmission program 510, an application reception program 511, an investment target determination program 1912, a bid upper limit calculation program 512, a result transmission program 513, an auction notification program 514, a successful bid result transmission program 515, an auction status management program 516, and an account management. Programs such as the program 517 and the OS 518 are stored. The processor 503 executes these programs. On the OS 518, programs 510 to 517 operate. The list transmission program 510, the application reception program 511, the bid upper limit calculation program 512, the result transmission program 513, the auction notification program 514, the successful bid result transmission program 515, the auction status management program 516, the account management program 517, and the candidate selection control program 1913 , And the OS 518 may be configured to be stored in the storage device group 505.

The list transmission program 510 (exactly, a function that is exhibited when the list transmission program 510 is executed by the processor 503) is an example of candidate information transmission means. The list transmission program 510 transmits a list of investment target candidates (an example of candidate information that is information on a plurality of investment target candidates that an investor can select) to the investor terminal 101. The list transmission program 510 may be configured to transmit information on a single investment target candidate to the investor terminal 101 as at least part of the candidate information.

The application reception program 511 is an example of application reception means. The application reception program 511 receives an application from the investor terminal 101. The application includes investor identification information that is information for identifying an investor, selection candidate information that is information indicating selection of one or more investment target candidates included in the candidate information transmitted to the investor terminal 101, and Investment amount information which is information indicating an investment amount for the one or more candidates for investment. The application reception program 511 registers the received application in the investor management table 521.

The investment object determination program 1912 is an example of an investment object determination means. The investment object determination program 1912 determines one or more investment objects from two or more investment object candidates based on a plurality of applications received from a plurality of investor terminals 101. The investment object determination program 1912 registers in the investment object candidate management table 522 which investment object candidate has been determined as an investment object.

The bid upper limit calculation program 512 is an example of an acquisition upper limit calculation means. The bid upper limit calculation program 512 calculates the bid upper limit of the investment target (asset (product)) determined by the investment target determination program 1912 based on the application from the plurality of investor terminals 101. The bid upper limit calculation program 512 registers the calculated bid upper limit in the investment target candidate management table 522.

The result transmission program 513 is an example of a result transmission unit. The result transmission program 513 transmits the bid upper limit calculated for the determined investment object to the buyer terminal 117. The result transmission program 513 transmits result information including information indicating the determined investment target to the investor terminal 102. The result information may include information indicating the calculated upper bid limit.

The auction status notification program 514 is an example of an auction status notification means. The auction status notification program 514 notifies the investor terminal 101 of the auction status related to the investment target. With respect to the investment target, the notification destination may be any investor terminal 101 or only the investor terminal 101 of the investor 102 that has selected the investment target candidate as the investment target. As will be described later, in this embodiment, the notification of the auction status is a relay of the auction status. The relay of the auction status will be described in detail later.

The successful bid result transmission program 515 is an example of a successful bid result transmission means. The successful bid result transmission program 515 transmits the successful bid result of the investment target to the investor terminal 101. With respect to the investment target, the destination of the successful bid result may be any investor terminal 101, or only the investor terminal 101 of the investor 102 that has selected the investment target candidate as the investment target.

The auction status management program 516 is an example of an auction status management means. The auction status management program 516 receives information related to the auction status from the information providing person in charge terminal 115 and registers it in the investment target candidate management table 522. The auction status may include at least one of a bid price, successful bid success / failure, and successful bid price. Information regarding the auction status may be received from a device other than the information provider terminal 115 (for example, an information processing terminal of an auction organizer) instead of or in addition to the information provider terminal 115.

The account management program 517 is an example of account management means. The account management program 517 manages, for example, information related to the account relating to the investor 102 registered in the investor management table 521 (for example, update of the account balance). As will be described later, the account management program 517 can restrain and release the investment amount according to the application from the investor 102.

The candidate selection control program 1913 determines the range of the investment target candidates and the investment amount in the selection of the investor based on the information related to the investment target candidate selected previously for at least one of the plurality of investors. Control at least one of them.

FIG. 6 is a schematic diagram showing the configuration of the investor management table 521.

The investor management table 521 has a record for each selected investment target candidate. Each record stores information such as an investor ID 601, an account number 602, an account balance 613, an account capacity 603, a candidate name / attribute name 604, a selection priority 614, and an investment amount 605. Hereinafter, one investment target candidate and one investor (referred to as “notable investment target candidate” and “notable investor” in the description of FIG. 6) are taken as an example.

The investor ID 601 represents identification information (ID) that uniquely identifies the noted investor 102.

The account number 602 represents an account number that uniquely identifies an account related to the noted investor 102.

The account balance 613 indicates the balance of the amount in the account of the noted investor 102 that is the upper limit amount of funds that the investor can invest.

The account capacity 603 represents the account capacity of the noted investor 102. The account capacity 603 is a value obtained by subtracting the total investment amount 612 from the account balance 613 (in other words, the breakdown of the account balance 613 is the total account amount 603 and the total investment amount 612). For this reason, when at least a part of the investment amount 612 is canceled, the account capacity 603 increases accordingly. That is, account balance 613 ≧ account capacity 603. Instead, for example, an amount based on another asset (for example, securities) of the investor 102 may be allocated to the account capacity 603. In this case, the account capacity 603 may exceed the account balance 613. Also good. Further, the surplus power is only required to be associated with the investor, and does not need to be directly associated with the account of the investor 102 as in the present embodiment. The unit of surplus power is not limited to the amount of money. For example, the remaining power may be expressed as a percentage.

The candidate name / attribute name 604 corresponds to information on the target investment target candidate specified from the selection candidate information included in the application received from the investor terminal 101 of the target investor 102. The candidate name / attribute name 604 represents the name of the target investment target candidate and the name of the attribute of the target investment target candidate. The attributes of investment target candidates will be described later. The target investment target candidate can also belong to a selected group.

The selection priority 614 indicates a selection priority that is a priority for the target investor 102 to set the target investment target candidate as an investment target. The higher the selection priority, the easier it is to be determined as an investment target for the noted investor 102. The selection priority order may be set manually by the noted investor 102 or may be automatically determined by the application reception program 511. In the automatic determination of the selection priority, for example, the selection priority is the same rank as the rank of the investment amount 612 and the policy regarding the bias of the investment target attribute for the investor of interest 102 (for example, the attribute of the investment target is the attribute). a ranking based on a) or a distribution based on different attributes. As shown in FIG. 6, two or more investment target candidates can have the same selection priority.

The investment amount 612 indicates the investment amount of the target investment target candidate specified from the investment amount information included in the application received from the investor terminal 101 of the target investor 102. The investment amount 612 represents, for example, the product of the number of investment units and the amount per unit. The unit of the investment amount 612 is not limited to being expressed only by the amount, and may be expressed only by the number of investment units, for example.

The information held in the investor management table 521 is not limited to the information shown in FIG. In other words, the investor management table 521 may not have a part of the information shown in FIG. 6, or may contain other types of information instead of or in addition to the information shown in FIG.

In addition, when the “application” is received, in this embodiment, the investment amount according to the application is subtracted from the account capacity 603 but not from the account balance 613 (that is, no funds transfer occurs). However, the present invention is not limited thereto, and the investment amount according to the accepted application may be subtracted from the account balance 613 instead of or in addition to the account capacity 603 (that is, fund transfer may occur).

Further, as shown in FIG. 6, the investment target candidate for attention may belong to the selected group. In other words, the investor of interest 102 sets two or more investment target candidates (for example, investment target candidates A, B, and C) as one group, and the investment amount (3,000 yen) for the group (group 1). Can be set. Two or more selection priorities corresponding to two or more investment target candidates belonging to the same selection group may be the same (group 1 in FIG. 6) or different (group 2 in FIG. 6). . In this embodiment, it is possible to select investment target candidates in groups, so that a flexible investment method is provided to the investor 102. In other words, an investor 102 who wants to invest with a budget of 3,000 yen because any of investment target candidates A, B and C may be an investment target, makes investment target candidates A, B and C as one group. If you set an investment amount (3,000 yen) for the group, you can make the investment you want.

FIG. 7 is a schematic diagram showing the configuration of the investment target candidate management table 522.

The investment target candidate management table 522 has a record for each investment target candidate. Each record includes a candidate name / attribute name 701, a reference amount 702, a bid upper limit 703, a total investment amount 704, an offer upper limit 705, a decision priority 711, a bid start time 712, an investor number 713, a bid amount 706, a status 707, and Information such as the highest bid 708 is stored. In this embodiment, the unit of the bid upper limit 703 and the offer upper limit 705 is an amount, but the unit for at least one of the bid upper limit 703 and the offer upper limit 705 is a unit different from the amount ( For example, it may be a number. Hereinafter, one investment target candidate (referred to as “target investment target candidate” in the description of FIG. 7) is taken as an example.

The candidate name / attribute name 701 represents the name of the target investment target candidate and the name of the target investment target candidate attribute.

The reference amount 702 represents the amount presented by the auction organizer (one aspect of the auction organizer) for the target investment target.

The bid upper limit 703 represents the upper limit of the amount of money that can be bid on the target investment target candidate.

The total investment amount 704 represents a total of one or more investment amounts according to one or more applications received from one or more investor terminals 101, respectively.

The solicitation upper limit 705 represents the upper limit of the amount of funds solicited for fund purchase, in other words, the upper limit of the total investment amount 704.

The bid amount 706 represents the amount bid for the target investment target at the auction.

Status 707 represents the progress of the auction. The status 707 may include, for example, “successful bid”, “unsuccessful bid”, “during bidding”, “before starting bidding”, and the like.

The winning bid amount 708 represents the amount for which the target investment target candidate has been awarded.

The decision priority 711 indicates a decision priority that is a priority for setting a target investment target candidate as a target candidate. “Determined” means determined as an investment target, and “non-target” means not determined as an investment target. Further, the determination priority order 711 may be determined based on at least one of the total investment amount, the bid start time, and the number of investors. For example, according to the example of FIG. 7, the determination priority of the investment target candidate X having the highest total investment amount (or the earliest bid start time) is the highest. In addition, for example, investment target candidates A to C have the same total investment amount, but the investment target candidate A has the largest number of investors, and the bidding start time is the earliest of investment target candidate A. Candidate A has the highest decision priority. Next, although the investment target candidates B and CC have the same number of investors, the investment target candidate B has a higher decision priority since the investment target candidate B has a faster bidding start time.

Bid start time 712 indicates the bid start time (an example of the transaction start time) of the target investment target candidate.

The number of investors 713 indicates the number of investors 102 who have selected a target investment target investment.

The number of investment targets 721 may be associated with the investment target candidate management table 522. The number of investment targets 721 indicates the number of investment targets that is the number of investment target candidates that can be selected as investment targets.

The information held in the investment target candidate management table 522 is not limited to the information shown in FIG. That is, the investment target candidate management table 522 may not have some of the information illustrated in FIG. 7, and may include other types of information instead of or in addition to the information illustrated in FIG. 7. .

Hereinafter, the flow of processing performed in this embodiment will be described.

大 Broadly divided into the previous day phase and the current day phase.

“The day before” is the day one day or more before the auction date. The “previous day” may be an example of the first deadline for the investment target, or may be a part of the time until the first deadline. For each investment object, the “first deadline” is a bid start time of the investment object or a time point before the bid start time (for example, a predetermined time).

“The day” is the auction date. The auction date may be registered in the investment target candidate management table 522. The “current day” may be an example of the second deadline of the investment target or may include the second deadline. For each investment object, the “second deadline” is a time point after the first deadline of the investment object and before the successful bid time (bid end time) of the investment object. .

1. Previous day phase

FIG. 8 is a schematic diagram showing processing performed in the previous day phase. Although there are a plurality of investor terminals 101, FIG. 8 shows an example of the investor terminal 101A of the investor 102A.

S800: Fund reflection

The account management program 517 uses the information indicating the designated funds corresponding to the investor ID (investor ID of the investor 102A) received prior to the application of the investor 102A, to assign the designated funds to the investor 102A. To reflect in your account balance. Reflecting funds in the account of the investor 102A may be performed by any one of one or more methods. For example, funds corresponding to the number of points purchased by purchasing a certain number or more of the points provided by the investment support server 103 may be reflected in the balance of the account, or by the investor 102A from the financial institution to the investment support server 103. The funds transferred to the operating company may be reflected in the account balance. Further, S800 (fund reflection) may be performed any time as long as it is performed prior to the application for the investor 102A.

S801: List transmission

The list transmission program 510 transmits the investment target candidate list to the investor terminal 101A. The transmission of the investment target candidate list is typically performed in response to a request from the investor terminal 101A. Further, for example, the list transmission program 510 generates the investment target candidate list by referring to the investment target candidate management table 522. The transmitted investment target candidate list is displayed on the investor terminal 101A. FIG. 9 shows an example of the previous day application screen 900 including a list of candidates for investment. As shown in FIG. 9, the previous day application screen 900 displayed on the investor terminal 101 </ b> A displays account information 901 and an investment target list 902.

The account information 901 includes an account number, an account balance, a current account capacity, and an account capacity after application. The “account number” is a value represented by the account number 602 of the investor 102A. “Account balance” is a value represented by the account balance 613 of the investment 102A. The “current account capacity” is a value represented by the account capacity 603 of the investor 102A. The “account capacity after application” is an amount obtained by subtracting the amount corresponding to the number of investment units input in the investment object list 902 from the current account capacity. The amount per unit may be common to all investment targets, or may be different depending on the investment targets.

The investment target candidate list 902 includes, for each investment target candidate, a UI (user interface) for display or input reception regarding a candidate name / attribute name, an upper limit for recruitment, the number of investment units, a selection priority order, and the like.

“Candidate name / attribute name” is a value represented by a candidate name / attribute name 701 that can uniquely identify an investment candidate. The “candidate name / attribute name” state shown in FIG. 9 is a state in which a group is already configured by the investor 102A.

“Recruit upper limit” is a value represented by the upper limit 705 of candidates for investment.

“The number of investment units UI” is a UI for inputting the number of investment units (FIG. 9 shows a state in which the number has already been input).

“Selection priority UI” is a UI for inputting selection priority (FIG. 9 shows a state in which the selection priority is already input).

The investor 102A inputs a desired investment unit number to the investment unit number UI corresponding to the desired investment target candidate, or inputs a desired selection priority order to the selection priority order UI corresponding to the desired investment target candidate. Can do. The input of the number of investment units for a desired investment target candidate can serve as both the selection of the investment target and the input of the investment amount.

In response to the request from the investor 102A, the list transmission program 510 acquires detailed information associated with the investment target candidate specified in the request, and transmits (displays) the detailed information to the investor terminal 103A. Also good.

Each of “S800: Fund reflection” and “S801: Send list” is also performed for each investor 102 other than the investor 102A, and as a result, “S802: Application reception” described later is 1 other than the investor 102A. This may be done by the above investor 102 first. The candidate selection control program 1913 determines the range of investment target candidates in the selection of the investor 102A for “S802: application acceptance” based on the information related to the investment target candidates previously selected by the other investor for the investor 102A. And at least one of the investment amount. The range of investment target candidates that can be selected by the investor 102A through the screen 900 shown in FIG. 9 and the settable investment amount are the ranges and amounts controlled by the candidate selection control program 1913. Further, the candidate selection control program 1913 includes, based on the information related to the investment target candidate selected by the investor 102A, the range of the investment target candidates and the investment amount in the selection of the investor 102A for “S802: application acceptance”. You may comprise so that at least one of these may be controlled.

S802: Application acceptance

The investor 102A selects an investment target candidate from the investment target candidate list using the investor terminal 101A, and determines an investment amount (investment unit) and a selection priority for the selected investment target candidate. The investor terminal 101 </ b> A transmits the application to the investment support server 103. The application includes the investor ID of the investor 102A, information on the selected investment target candidate (including selection priority), and information on the investment amount of the selected investment target candidate. The application reception program 511 receives an application from the investor terminal 101A. For example, in response to pressing of the execution button 903 on the previous day application screen 900 shown in FIG. 9, an application including selection of an investment target candidate, an investment amount for the investment target candidate, and a selection priority order is transmitted via the communication network 105. The investment support server 103 transmits the application to the investment support server 103, and the investment support server 103 accepts the application. The application reception program 511 sets the selection candidate information and the investment amount information included in the application as the candidate name / attribute name 604, selection priority 614, and investment amount 612 in the record of the investor 102A specified from the received application. Register in the investor management table 521. The account management program 517 called from the application reception program 511 subtracts the investment amount according to the received application from the account capacity 603 corresponding to the investor 102A. That is, the investment amount is constrained by subtracting it from the account capacity 603 of the investor 102A so that the investment amount is not used for other purposes by the investor 102A (that is, constraining from the account balance 613). Further, the application reception program 511 adds the investment amount of each investment target candidate to the total investment amount 704 registered in the investment target candidate management table 522 for the investment target candidate for each selected investment target candidate. As a result, the total investment amount 704 is updated. In addition, the application reception program 511 adds 1 to the number of investors 713 of the investment target candidates for each selected investment target candidate. Thereby, the investor number 713 is updated.

If the updated total investment amount 704 for the investment target candidate exceeds the upper limit of recruitment 705, the upper limit of recruitment 705 may be updated (may be raised) by the fund operator, or the application reception program 511 May close the application for the investment candidate. By closing acceptance of applications for investment targets for which the total investment amount 704 exceeds the recruitment upper limit 705, it can be expected to avoid a decrease in investment efficiency (successful bids for investment target candidates at an excessively high amount).

Further, when the updated total investment amount 704 of the investment target candidate exceeds the upper limit of recruitment 705, the upper limit of recruitment 705 may be updated based on information stored in the investment support server 103.

In addition, when the updated total investment amount 704 for the investment target candidate exceeds the solicitation upper limit 705, the application reception program 511 either increases the solicitation upper limit 705 or closes the acceptance of the application for the investment target candidate. May be selected based on predetermined information. For example, the “predetermined information” may include at least one of the maximum value of the recruitment upper limit 705 and past transaction information (for example, successful bid amount) of assets similar to the investment target asset. The initial value of the upper limit of recruitment 705 is considered to be an optimum value at the initial stage (for example, an amount determined based on a reference amount of an asset (product) and an estimated cost for forming the asset as a fund). It is done. Thereby, at the initial stage, it can be expected that the investment amount is dispersed to the investment target candidates other than the investment target candidate, in other words, avoiding the concentration of the investment amount on the investment target candidate. If the total investment amount 704 exceeds the upper limit for recruitment 705 for the candidate for investment, the application reception program 511 indicates that the predetermined information indicates that the upper limit for recruitment 705 is to be raised (for example, the upper limit for recruitment 705 is the upper limit for recruitment). If it is less than the maximum value of 705 or the amount of money for a successful bid estimated from past transaction information is higher than the solicitation upper limit 705), the solicitation upper limit 705 is raised. This increases the possibility of successful bids for the investment target candidates. In addition, room for entry of investors 102 is expanded. On the other hand, if the total investment amount 704 for the investment target candidate exceeds the upper limit 705 for application, the application reception program 511 indicates that the predetermined information indicates that the application reception for the investment target candidate is closed (for example, the The application upper limit 705 is the maximum value of the application upper limit 705, or the winning bid amount estimated from the past transaction information is the application upper limit 705), and application acceptance for the investment target candidate is closed. This can be expected to avoid a decrease in investment efficiency.

Further, when the updated total investment amount 704 for the investment target candidate exceeds the upper limit of recruitment 705, the acceptance of the application may be continued without raising the upper limit of recruitment 705. In this case, lottery may be performed for at least some of the plurality of investors 102 who have applied each. The invested amount according to the application received from the investor 102 may be returned to the account capacity 603 of the investor 102 for the investor 102 who has been elected.

S803: Determination of investment targets

Based on the plurality of applications (for example, two or more of them) from the two or more investment target candidates specified by the plurality of applications received from the plurality of investor terminals 101 including the investor terminal 101A. One or more investment targets are determined (based on the selection priority order of the investment target candidates) and at least one of the investment amount and the number of investors.

S804: Calculation of upper bid limit

The bid upper limit calculation program 512 acquires the total investment amount 704 corresponding to the investment target determined in S803 from the investment target candidate management table 522. The bid upper limit calculation program 512 calculates a bid upper limit for the investment target based on the total investment amount 704. The bid upper limit calculation program 512 registers the calculated bid upper limit for the investment target in the investment target candidate management table 522 as the bid upper limit 703. The upper limit of the bid for the investment target may be the same as the total investment amount 704 corresponding to the investment target, or a cost (for example, fund composition) generated from the total investment amount 704 accompanying the investment in the investment target. It may be an amount obtained by reducing the necessary cost). In addition, the calculated upper bid limit may be an amount set based on the total investment amount 704 and the return of assets previously invested in the investment support server 103.

S805: Sending the result

The result transmission program 513 transmits result information including information indicating the investment object determined in S803 to the investor terminal 101A. In addition, the result transmission program 513 may transmit the bid upper limit calculated in S804 for the determined investment target to the buyer terminal 117.

As described above, in the previous day phase, one or more investment targets are determined from two or more investment target candidates specified from the application based on the application received on the day before the auction date, and each determined investment target is determined. In addition, the upper limit of bidding can be calculated.

2. Same-day phase

FIG. 10 is a schematic diagram showing processing performed in the day phase. Although there are a plurality of investor terminals 101A, FIG. 10 illustrates the investor terminal 101A of the investor 102A as an example, as in FIG.

日 The day phase can be broadly divided into three phases: the pre-bidding phase, the bidding phase, and the post-successful phase, depending on the investment target. The “investment target” in this paragraph is the investment target determined in the previous day phase. Further, when the form of the commercial transaction is not an auction, “before bidding” means before sales start, “being bidding” means within the sales period, and “after bidding” means after purchase.

2-1. Pre-bidding phase

“Before bidding has started” means a time before the time when bidding starts (or time before a certain time before the time when bidding starts (or a certain time before the time when bidding starts), and the end time of the pre-bidding phase is the first end time. It may be an example of a time limit, and specifically, for example, is a time when a bid is started (or a time before a certain time from when a bid is started), which is a time point when a bidding phase starts. Further, for each investment target, the end time of the pre-bid start phase (for example, the bid start time) may be registered in the investment target candidate management table 522.

The list transmission program 510 can transmit the investment target candidate list based on the processing result in the previous day phase to the investor terminal 101A. The investment target candidate list may include information indicating which investment target candidates are determined as investment targets in the previous day phase. Specifically, for example, the list transmission program 510 acquires information on a record corresponding to the investor 102A from the investor management table 521, and generates an investment target candidate list based on the acquired information. The generated investment target candidate list is transmitted to the investor terminal 101A and displayed on the display device 201 of the investor terminal 101A. FIG. 11 shows an example of the same day application screen including the investment target candidate list. The configuration of the same day application screen 1100 displayed on the investor terminal 101A may be the same as the configuration of the previous day application screen 900. That is, as shown in FIG. 11, the same day application screen 1100 displays the account information 1101 and the investment target candidate list 1102. The investor 102A can confirm the account balance, account capacity, and investment status of the investor 102A from the application screen 1100 on the day. The investor 102A can know from the investment target candidate list 1102 which of the investment target candidates selected in the previous day phase has been determined as the investment target. The investor 102A can increase (or decrease) the number of investment units for the investment target using the investment unit number UI corresponding to the desired investment target, and press the execution button 1103. In other words, the investor 102A can make an additional application (or cancel at least a portion of the application) on that day. In response to this operation, the total investment amount 704 is updated by the application receiving program 511, the account capacity 603 of the investor 102A is updated by the account management program 517, and the bid upper limit 703 is updated by the bid upper limit calculation program 512.

It should be noted that the candidate selection control program 1913 selects the investment target candidate in the selection of the investor 102A for the “2-1. Pre-Bid Phase” for the investor 102A based on the information related to the previously selected investment target candidate. Control at least one of range and investment amount. The “investment candidate selected earlier” here may include an investment candidate selected by an investor other than the investor 102A and selected by the investor 102A in the previous day phase. It is assumed that the range of investment target candidates that can be selected by the investor 102A through the screen 1100 shown in FIG. 11 and the set investment amount are the ranges and amounts controlled by the candidate selection control program 1913.

2-2. Bidding phase

“Bid in progress” means the time from when the bid is started to when the bid is made or until a preset bid end time. When the current time recognized by the investment support server 103 reaches the bidding start time, the investment support server 103 may recognize that the phase is “being bidding”. In addition, you may comprise so that the preset bid end time may be extended according to the condition of a bid. In addition, the bid end time may not be set in advance, and for example, the bid end time may be the bid end time.

S1000: Send bid limit

The result transmission program 513 transmits the value represented by the bid upper limit 703 registered in the investment target candidate management table 522 for the investment target to the buyer terminal 117 as the bid upper limit. The transmitted upper bid limit is displayed on the display device 301 of the buyer terminal 117. Thereby, the buyer 118 can know the upper limit of the bid in the bidding phase. The bid upper limit is an amount determined based on applications from a plurality of investors 102A, that is, demands from a plurality of investors 102. The purchaser 118 can bid on the investment object based on such a bid upper limit (for example, within the range of the bid upper limit).

Note that S1000 may be performed in the previous day phase or may be performed in the pre-bidding phase.

S1001: Status reception

The auction status management program 516 receives information related to the status of an auction such as an auction from the information provider person terminal 115 and registers the auction status in the investment target candidate management table 522. In the bidding phase, the auction status includes the bid amount. When the bid amount is updated, the information provider 116 inputs the updated bid amount, and the input bid amount is input from the information provider terminal 115 to the investment target candidate management table 522 through the auction status management program 516. A bid amount 706 is registered.

S1002: Auction relay

The investment support server 103 acquires a video from the video distribution server 121. The video acquired from the video distribution server 121 is a video shot by a camera (video shot of an auction etc.) itself or a video after processing the video.

The auction notification program 514 relays the auction status to the investor terminal 101A. The relay of the auction status is an example of notification of the auction status as described above. The relay of the auction status is, for example, the distribution of the video based on the video from the video distribution server 121 (the video itself from the video distribution server 121 or the video after processing the video) and the registration in the investment target candidate management table 522 Distribution of the bid amount being made. FIG. 12 shows an example of an auction relay screen 1200 displayed on the investor terminal 101A. The auction relay screen 1200 displays, for example, account information 1201, auction video 1202, bid status information 1203, and amount change UI 1204.

The account information 1201 includes the account number, the account balance, the current account capacity, and the account capacity after application, as in the previous day application screen 900 and the same day application screen 1100.

The auction video 1202 is a video acquired from the video distribution server 121.

The bid status information 1203 is information indicating the bid status, for example, the current listing target (information indicating the target name 701 of the target), the current bid price (value indicating the target bid price 706), and The reference amount (a value representing the target reference amount 702) is included. That is, the bid status information 1203 is information based on information obtained from the investment target candidate management table 522. Note that at least the reference amount may not be displayed (the same applies to FIGS. 13 and 14). Further, the reference amount 702 may not be present in the investment target candidate management table 522 (FIG. 7).

The amount change UI 1204 is a UI for accepting a change in the investment amount from the investor 102A. The investor 102A changes the investment amount with respect to an investment object whose auction status is under bidding (hereinafter referred to as an investment object under bidding) by using the amount change UI 1204 while newly or adding while watching the auction relay. be able to. The amount change UI 1204 includes, for example, an investment target (information indicating the target name 701 of the target), a solicitation upper limit (a value indicating the solicitation upper limit 705 of the target), and an investment unit number UI for the investment target being bid. The investor 102A can increase the number of investment units for the investment target using the investment unit number UI. It may be possible to reduce the number of investment units (that is, to cancel at least a part of the application 604).

S1003: Acceptance of price changes

From the investor 102A (typically, the investor 102A watching the auction relay), the application acceptance program 511 can accept the change in the investment amount for the investment target being bid. When an amount change is accepted (for example, when the execution button 1205 is pressed after changing the number of investment units in the auction relay screen 1200 shown in FIG. 12), the application reception program 511 returns the investor based on the amount change. The investment amount 612 corresponding to 102A is updated, or the total investment amount 704 corresponding to the investment target being bid is updated. The account management program 517 called from the application reception program 511 updates the account capacity 603 of the investor 102A.

S1004: Update bid limit

When the amount change is accepted for the investment target being bid (in other words, when the total investment amount 704 is updated), the bid upper limit calculation program 512 sets the bid upper limit 703 corresponding to the investment target being bid after the update. Update based on total investment amount 704.

S1005: Send bid limit

When the bid upper limit 703 is updated for the investment target being bid, the result transmission program 513 transmits the updated bid upper limit 703 to the buyer terminal 117. The buyer 118 can bid on the investment target within the range of the updated bid upper limit 703.

2-3. Phase after a successful bid

S1006: Status reception

The auction status management program 516 receives an auction status including a successful bid result (“successful bid” or “successful bid”) and a successful bid amount from the information providing person in charge terminal 115. Based on the auction status, the auction status management program 516 updates the status 707 corresponding to the investment target for which the auction has ended, and registers the winning bid amount 708 corresponding to the investment target in the investment target candidate management table 522. To do.

Note that the success / failure of the successful bid and the successful bid amount may be input to the investment support server 103 from the purchaser terminal 117 instead of the information providing person in charge terminal 115.

S1007: Send successful bid result

The successful bid result transmission program 515 transmits the successful bid result to the investor terminal 101A for the investment target for which the auction has ended. The successful bid result includes a status (“successful bid” or “successful bid”) and a successful bid amount corresponding to the investment target. If the successful bid is successful, the investment target for which the bid is successful may be formed as a fund.

FIG. 13 shows an example of a successful bid result screen displayed on the investor terminal 101A when the successful bid is successful. The successful bid result screen 1300A may display successful bid result information 1301A and account information 1302A. The successful bid result information 1301A includes successful bid success / failure (information represented by the status 707 of the investment target for which the auction has been completed, for example, “success”), a successful bid amount (value represented by the successful bid amount 708 of the investment target for which the auction has been completed), And the investment amount (a value represented by the investment amount 612 corresponding to the investor 102A and the investment target selected by the investor). Account information 1302A may include an account number, an account balance, and current account reserve.

If the successful bid is successful, the account management program 517 subtracts the investment amount from the account balance 613 of the investor 102A. If the successful bid is successful, the fund interest according to the application is provided to the investor 102 who has made the application. That is, the investor 102 acquires the fund share according to the application.

In the case of successful bid, when the successful bid amount 708 is smaller than the bid upper limit 703, the account management program 517 determines a part of the investment amount 612 of the investor 102A, for example, the difference between the upper limit of investment and the successful bid amount. The amount prorated according to the investment amount 612 of the plurality of investors 102 may be returned to the account (account balance 613) of the investor 102A. As a result, the merit of successfully making a successful bid at a lower price than the upper bid limit 703 can be returned to the investor 102A. The “investment cap” is the upper limit of the amount of the asset (product) to be invested, in other words, the amount required to create the investment target as a fund minus the solicitation upper limit 705. is there.

Further, the account management program 517 receives from the investor terminal 101A a request for canceling the investment amount 612 with respect to the successful investment target, and in response to the request, all or part of the investment amount 612 is stored in the account of the investor 102A. You may return to (account balance 613). That is, the investor 102A may be given an opportunity to cancel the investment after seeing the successful bid amount 708. Such cancellation may be possible within a range where a predetermined condition is satisfied, for example, within a range where the bid upper limit 703 is equal to or greater than the highest bid 708.

FIG. 14 shows an example of a successful bid result screen displayed on the investor terminal 101A when the successful bid is not established. The successful bid result screen 1300B when the successful bid is not established may also display the successful bid result information 1301B and the account information 1302B. The difference between the successful bid result screen 1300B and the successful bid result screen 1300A may be, for example, as follows. That is, the success or failure of the successful bid represents “not established”. Further, the account management program 517 may release the investment amount constraint, that is, may add the investment amount 612 for the investment target that has not been successful bid to the account capacity 603 of the investor 102A. As a result, the investor 102A can invest the returned amount (cancelled amount) in the investment target to be listed later.

The above is the description of this embodiment.

Hereinafter, Example 1 will be summarized. Note that the general description may include a detailed description of a part of the above description and a detailed description of matters not included in the above description.

According to the first aspect, the computer system (for example, investment support server 103) includes candidate information transmission means (for example, list transmission program 510), application reception means (for example, application reception program 511), and investment target determination means (for example, , An investment object determination program 1912).

The candidate information transmission means transmits candidate information, which is information of a plurality of investment target candidates that can be selected by the investor, to the investor terminals of the plurality of investors.

The application receiving means receives an application including the following information from each of the plurality of investor terminals.
・ Investor identification information, which is information for identifying an investor,
Selection candidate information that is information indicating selection of one or more investment target candidates included in the candidate information transmitted to the investor terminal; and
-Information indicating the investment amount for the one or more investment target candidates (which may be either the investment amount for each selected investment target candidate or the total investment amount of the one or more selected investment target candidates). Investment amount information.

The investment target determining means determines one or more investment targets from two or more investment target candidates based on a plurality of applications received from a plurality of investor terminals.

数 There is no limit to the number of investment target candidates determined as investment targets. Moreover, there may be no restriction | limiting in the timing which determines investment object.

According to the first aspect, an investor does not directly select an investment object, but one or more investment objects are selected by an investment object determination means from two or more investment object candidates selected by a plurality of investors. Is determined. Thereby, the investment object can be determined flexibly based on the overall situation of a plurality of applications from a plurality of investors. For example, even if the selection from multiple investors or the investment amount is dispersed and a sufficient total investment amount or number of investors cannot be obtained for any candidate investment target, the total investment amount or the number of investors The investment object can be determined by changing the value within the allowable range. For this reason, for example, if the investment amount of the investment target candidates P and Q is restricted from the account of the investor A when the application for the investment target candidates P and Q is received from the investor A, the investment target candidates Even if the total investment amount of P is not sufficient, if the investment target determination means determines the investment target candidate Q as an investment target by replacing the investment amount of the investment target candidate P with the total investment amount of the investment target candidate Q, the investment It can also be expected that processing such as releasing the constraint on the investment amount of the target candidate P is unnecessary.

Specific examples of the first viewpoint are as follows, for example.

(Processing 1) The candidate information transmitting means transmits information on ten investment target candidates called investment target candidates A to J to the investor terminals of 100 investors such as investors 1-100. The number of investment target candidates = 10 is an example of the number T of investment target candidates. The number of investors = 100 is an example of the number of investors U.

(Process 2) The application receiving means receives an application including selection of an investment target candidate and an investment amount for the investment target candidate from each of the investor terminals of the investors 1-100. Specific examples of the received multiple applications (specifically, 100 applications) are as follows. The computer system has storage means (for example, storage device group 505), and the following data according to the application received from the investor terminal of the investor 1-100 is accumulated in the storage means. (Process 3) described later is performed based on the following data.
-Candidate for investment A: 30 selected investors, total investment = 30 million yen-Candidate for investment B: 15 selected investors, total investment = 18 million yen-Candidate for investment C: Number of selected investors = 20, total investment amount = 40 million yen ・ Investment candidate No. E: Number of selected investors = 12, total investment amount = 19.20 million ・ Investment target candidate F: Number of selected investors = 18 people, total investment amount = 45 million yen-Investment target candidate J: Number of selected investors = 5 people, total investment amount = 50 million yen-investment target candidates D, G, H, I are selected by anyone There wasn't.

(Process 3) Based on the plurality of received applications, the investment target determining means has two or more investment target candidates (two or more investment target candidates identified as selected from the plurality of investment target candidates AJ) A, One or more investment targets are determined from B, C, E, F and J. Specific examples of investment target determination <Case 1> to <Case 4> are as follows. In the following description, in order to facilitate understanding of the description, the “investment amount” and the “number of investors” will be described separately. Therefore, the reassignment process described later also includes “investment amount” and “investment amount”. “Investor numbers” will be explained separately. However, in practice, the number of investors may be changed as the investment amount is changed (for example, the number of investors may be changed if the investment amount of a certain investor is changed). The investment amount may be changed as the number is changed (for example, if an investor is changed, the investment amount of the investor may be changed). For example, the investment target determining means can determine the investment target based on at least one of the investment amount and the number of investors.

<Case 1> The investment target determination policy is, for example, “total investment amount”, and consideration of the next point (for example, at least a part of the investment amount for the investment target candidate that was not selected as an investment target is another investment target candidate) There is no need to reflect it in the investment amount), and the number of investment targets is, for example, a predetermined value “3”. The investment target number = 3 is an example of the investment target number V.

Investment target determination means determines the top three investment target candidates J, F, and C with the highest total investment amount as investment targets.

<Case 2> When the policy for determining the investment target is, for example, “number of investors”, the next point is not considered, and the number of investment targets is, for example, the predetermined value “3”

Investment target determination means determines the top three investment target candidates A, C, and F with the largest number of investors as investment targets.

These are <Case 1> and <Case 2>. In both <Case 1> and <Case 2>, the replacement process does not occur because the next point is not considered.

On the other hand, in <Case 3> and <Case 4> to be described later, since the next point is considered, a replacement process occurs. For example, as a premise, an application from at least one investor includes information indicating a selection priority set for each of a plurality of investment target candidates selected by the investor. For each investor, the investment target determining means associates the investor with an investment target candidate having the highest selection priority set by the investor. And the investment object determination means performs a replacement process as appropriate. In the reassignment process, for an investor corresponding to an investment target candidate that does not meet the conditions to be determined as an investment target, the investment priority candidate set by the investor is assigned the next priority (next rank). This is a process of changing at least one of the investment amount of the house and the number of investors for the investor (“1”). That is, “considering the next point” means that when a certain investment target candidate is not determined as an investment target, the investment of the selection priority (next lower) of the selection priority of the investment target candidate. It means that the target candidate exists.

A specific example of the replacement process is as follows. In the following description, “B> A” means that investment target candidate B is next to investment target candidate B (the selection priority of investment target candidate A is one higher than the selection priority of investment target candidate B). It means lower rank).

Suppose that an application from Investor 69 shows “B> A” and “Investment amount: 1 million yen”. If the investment target candidate B does not satisfy the conditions for determining as an investment target (for example, the total investment amount of the investment target candidate B does not reach the specified amount), the second target of the investment target candidate B for the investor 69 is the investment target candidate A Therefore, the investment target determining means replaces the investment amount of 1 million yen associated with the investment target candidate B as the investment amount corresponding to the next investment target candidate A.

Suppose that an application from Investor 70 shows “B> F” and “Investment amount: 500,000 yen”. If the investment target candidate B does not satisfy the conditions for determining as an investment target, the investment target candidate B is associated with the investment target candidate B because the next point of the investment target candidate B for the investor 70 is the investment target candidate F. The existing investment amount of 500,000 yen will be replaced as the investment amount corresponding to the next candidate investment target F.

When such a reassignment process is performed for all investors having the highest priority for selection of the investment target candidate B, the investment amount is reassigned from the investment target candidate B to the investment target candidates A and F. For example, an example before and after the replacement process is as follows.
<< Before replacement process >>
・ 15 investors from `` B> A '' ・ 0 investors from `` B> C '' ・ 0 investors from `` B> D '' ・ 0 investors from `` B> E ''"B>F" 10 investors, "B>G" 0 investors, "B>H" 0 investors, "B>I" 0 investors, "B> ”J” investor << after post-replacement process >>
・ If the total investment amount of 15 investors with “B> A” is 12 million yen, 12 million yen is added to the total investment amount of candidate A for investment.
・ If the total investment amount of 10 investors with “B> A” is 6 million yen, 6 million yen is added to the total investment amount of Candidate F for Investment.

<Case 3> When the investment target decision policy is, for example, “total investment amount”, the next point is considered, and the number of investment targets is, for example, the predetermined value “3”

Investment target determination means performs the following processing, for example.

(S3-1) The investment target candidate who has selected the investment amount of the investor candidate B who has the smallest total investment amount as the investment target candidate B as the second point of each investor (the investment target to be replaced) The investment amount of the investment target candidate that has the next selection priority set in advance by the investor corresponding to the candidate B) is replaced. As a result, the total investment amount is changed as follows. The following is the same as a specific example of the replacement process.
• Of the total investment amount of 18 million yen for Candidate for Investment B, 12 million yen will be replaced with Candidate for Investment A and 6 million yen will be replaced with Candidate for Investment F.
-Therefore, the total investment amount of candidate A for investment will change from 30 million yen to 42 million yen.
・ Similarly, the total investment amount of candidate investment target F will change from 45 million yen to 51 million yen.

(S3-2) Investment in which the investment target of the investor selected by the investor selection means as the next point of each investor is the investment target candidate E who has selected the investment target candidate E with the smallest total investment amount after the replacement in (S3-1) Change the target candidate. As a result, the total investment amount is changed as follows.
・ Of the total investment amount of 19.2 million yen for Candidate for Investment E, 10 million yen will be replaced with Candidate for Investment A, 6 million yen will be replaced with Candidate for Investment C, and 3.2 million yen will be replaced with Candidate for Investment F Can be replaced.
-Therefore, the total investment amount of Candidate A for investment will change from 42 million yen to 52 million yen.
・ The total investment amount of Candidate C for investment will change from 40 million yen to 46 million yen.
・ The total investment amount of Candidate F for Investment will change from 51 million yen to 54.2 million yen.

(S3-3) Investment in which the investment target is selected by the investor selected by the investor candidate who has selected the investment target candidate C having the smallest total investment amount after the replacement in (S3-2) Change the target candidate. As a result, the total investment amount is changed as follows.
-Of the total investment amount of 46 million yen for Candidate for Investment C, 20 million yen will be transferred to Candidate A for investment and 10 million yen will be transferred to Candidate F for Investment. There is no runner-up for 16 million yen.
-Therefore, the total investment amount of investment candidate A will change from 52 million yen to 72 million yen.
・ In addition, the total investment amount of candidate investment F will change from 54.2 million yen to 64.2 million yen.

(S3-4) The investment target determining means determines the remaining investment target candidates A, F, and J as investment targets because the investment target candidates are “predetermined number = 3”.

<Case 4> When the investment target decision policy is, for example, “Number of investors”, the next point is considered, and the number of investment targets is, for example, the predetermined value “3”

(S4-1) The investment target determining means replaces the investor candidate J, which has the smallest number of investors, with the investee candidate selected as the next point of each investor. As a result, the number of investors is changed as follows.
・ Of the five investors for candidate investment J, three are transferred to investment candidate A and two are transferred to investment candidate B.
・ Therefore, the number of investors in candidate A for investment will change from 30 to 33.
・ In addition, the number of investors for candidate B for investment will change from 15 to 17.

(S4-2) The investment target determining means selects the investment target candidate selected as the runner-up of each investor for the investor who selected the investment target candidate E with the smallest number of investors after the replacement in (S4-1). Replace. As a result, the number of investors is changed as follows.
-Of the 12 investors subject to investment target E, 5 will be replaced with investment candidate B and 7 will be replaced with investment candidate C.
・ Therefore, the number of investors for candidate B for investment will change from 17 to 22.
・ In addition, the number of investors for candidate C for investment will change from 20 to 27.

(S4-3) The investment target determining means selects the investment target candidate F that has the smallest number of investors after the replacement in (S4-2) as the investment target candidate selected as the runner-up of each investor. Replace. As a result, the number of investors is changed as follows.
-Of the 18 investors subject to investment candidate F, 5 will be replaced with investment candidate A, 3 will be replaced with investment candidate B, and 2 will be replaced with investment candidate C. There will be no runner-up for 8 people.
・ Therefore, the number of investors in Candidate A for investment will change from 33 to 38.
・ In addition, the number of investors for candidate B for investment will change from 22 to 25.
・ In addition, the number of investors for candidate C for investment will change from 27 to 29.

(S4-4) Since the investment target candidates are “predetermined number = 3”, the investment target determination means determines the remaining investment target candidates A, B, and C as investment targets.

In case 3 and case 4, the investment target determining means only determines the investment target candidates whose investment amount (for example, the total investment amount or the sufficiency ratio of the investment amount with respect to the assumed transaction amount) or the number of investors is equal to or less than the threshold. "Distribution to points" may be performed. The “threshold value” of the total investment amount or the number of investors may be an average value or a median value of the total investment amount or the number of investors for each investment target candidate, or may be an arbitrary value. .

The above is a specific example of the first viewpoint.

According to the second aspect, in the application from at least one of the plurality of investor terminals, the selection candidate information further includes information indicating one or more candidate groups. Each of the one or more candidate groups is composed of two or more selected investment target candidates. The investment amount information includes information indicating the investment amount for each of the one or more candidate groups. When one or more candidate groups are specified from a plurality of applications, the investment target determining means determines one or more investment targets based on the investment amount for each of the one or more candidate groups. Specifically, for example, an investor can set a plurality of investment target candidates (A, C, E) as one candidate group and set an investment amount (1 million yen) for the candidate group. The investment target determining means can determine the investment target based on the investment amount (1 million yen) set for the set candidate group (investment target candidates A, C, E).

According to the second aspect, more flexible investment target determination can be expected such that any investment target candidate belonging to the candidate group is determined as an investment target within the range of the investment amount for the group. For example, investment target candidate A, C, E belonging to the candidate group can be invested by investing the investment amount (million yen) to investment target candidate C even if investment target candidate A is not determined as an investment target C can be determined as an investment target.

A specific example of the second viewpoint is as follows, for example.

It is assumed that the selection candidate information during application from the investor 1-100 is as follows. In the following description, “Group (A, C, E) / ¥ 1 million” means that the investment amount is 1 million for the candidate group to which the candidates for investment A, C, E belong. . “Non-consolidated (B) /¥1.5 million” means that the investment amount is ¥ 1.5 million for investment target candidate B that does not belong to the candidate group.
・ Investor 1: Group (A, C, E) / ¥ 1 million ・ Investor 2: Group (A, F, J) / ¥ 1 million ・ Investor 3: Non-consolidated (B) /¥1.5 million ) ~
・ Investor 99: Group (A, B, C) / 500,000 yen ・ Investor 100: Group (E, F, J) / 100,000 yen

Also, assume the following assumptions.
・ Selection priority among multiple investment target candidates is the same or selection priority does not exist ・ Number to be determined as investment target is `` 3 ''

The investment target determining means performs a process of associating the investment amount with the investment target candidate (a process of assigning the set investment amount to all the investment target candidates as the tentative investment amount). The results are as follows, for example. In the following, the amount in parentheses is a provisional investment amount. For example, “Group (A, C, E) / 1 million yen ⇒ A: (1 million yen), C: (1 million yen), E: (1 million yen)” is the candidate for investment A, C, E Means that an investment amount of 1 million yen for the candidate group to which “1” belongs is allocated to each of the investment target candidates A, C, E belonging to the candidate group as a temporary investment amount of 1 million yen.
・ Group (A, C, E) / 1 million yen ⇒ A: (1 million yen), C: (1 million yen), E: (1 million yen)
・ Group (A, F, J) / 1 million yen ⇒ A: (1 million yen), F: (1 million yen), J: (1 million yen)
・ Non-consolidated (B) / 1.5 million yen ⇒ B: (1.5 million yen)
~ (Omitted) ~
・ Group (B, A, C) / 500,000 yen ⇒ B: (500,000 yen), A: (500,000 yen), C: (500,000 yen)
・ Group (E, F, J) / 100,000 yen ⇒ E: (100,000 yen), F: (100,000 yen), J: (100,000 yen)

The investment target determining means totals the temporary investment amount (and the number of investors) for each investment target candidate. An example of the counting result is as follows. In the following, the amount in parentheses is the amount that can be replaced.
・ Candidate for investment A: 62 million yen (32 million yen)
・ Candidate for investment B: 26 million yen (8 million yen)
・ Candidate for investment C: 60 million yen (20 million yen)
・ Candidate for investment D: 3 million yen (3 million yen)
・ Investment candidate E: 26.2 million yen (7 million yen)
・ Candidate for investment F: 55 million yen (10 million yen)
・ Investment candidate G: 0 yen (0 yen)
・ Candidate for investment H: 8 million yen (8 million yen)
・ Candidate for investment I: 16 million yen (16 million yen)
・ Candidate for investment J: 50 million yen (0 yen)

The investment target determining means determines the investment target based on the data indicating the above-mentioned totaling results. Specifically, for example, the following (S31) to (S33) are performed.

(S31) The investment target determining means determines “investment target candidate A” having the highest temporary investment amount as an investment target.

(S32) The investment target determining means determines whether or not the determined number of investment targets has reached a predetermined number of investment targets. If the determination result in S32 is true, the process ends.

On the other hand, if the determination result in S32 is false, S33 is performed. Here, since the determined number of investment objects is less than 3 (since the determined number of investment objects is still 1), S33 is performed.

(S33) The investment target determining means, for each of one or more investors corresponding to the application having the selection candidate information including the recently determined investment target (in this case, investment target candidate A), which is the investment target that has been recently determined, Update the investment amount of investment target candidates other than the latest decision target (investment target candidate A) included in the house selection candidate information. An example of the result of S33 for each of the one or more investors is as follows. In the following, the amount in parentheses is the amount that can be replaced.
・ Candidate for investment A: 62 million yen (32 million yen)
・ Candidate for investment B: 25 million yen (7 million yen)
・ Candidate for investment C: 53 million yen (13 million yen)
・ Candidate for investment D: 0 yen (0 yen)
・ Investment candidate E: 21.2 million yen (2 million yen)
・ Investment candidate F: ¥ 51 million (¥ 6 million)
・ Investment candidate G: 0 yen (0 yen)
・ Investment candidate H: 4 million yen (4 million yen)
・ Investment candidate I: 8 million yen (8 million yen)
・ Candidate for investment J: 50 million yen (0 yen)

After S33, the process returns to S31. That is, the investment target determining means determines “investment target candidate C” having the highest investment amount among the remaining investment target candidates in the recent S33 as an investment target.

Thereafter, S32 is performed. That is, the investment target determining means determines whether or not the determined number of investment targets has reached a predetermined number of investment targets. Here, since the determined number of investment objects is less than 3 (since the determined number of investment objects is still 2), the determination result of S32 is false. For this reason, S33 is performed.

In S33, the investment target determining means includes, for each of one or more investors corresponding to the application having the selection candidate information including the latest determination target (in this case, investment target candidate C), in the investor selection candidate information. The investment amount of the investment target candidate other than the recently determined target (investment target candidate C) is updated. An example of the result of S32 for each of the one or more investors is as follows. In the following, the amount in parentheses is the amount that can be replaced.
・ Candidate for investment A: 62 million yen (32 million yen)
・ Candidate for investment B: 21 million yen (3 million yen)
・ Candidate for investment C: 53 million yen (13 million yen)
・ Candidate for investment D: 0 yen (0 yen)
・ Investment candidate E: 21.2 million yen (2 million yen)
・ Candidate F for investment: ¥ 49 million (¥ 4 million)
・ Investment candidate G: 0 yen (0 yen)
・ Investment candidate H: 3 million yen (3 million yen)
・ Candidate for investment I: 2 million yen (2 million yen)
・ Candidate for investment J: 50 million yen (0 yen)

After S33, the process returns to S31. That is, the investment target determining means determines “investment target candidate J” having the highest investment amount among the remaining investment target candidates in the recent S33 as an investment target.

Thereafter, S32 is performed. That is, the investment target determining means determines whether or not the determined number of investment targets has reached a predetermined number of investment targets. Here, since the determined number of investment objects has reached 3, the determination result of S32 is true. Therefore, the process ends.

According to the third aspect, the application from the at least one investor terminal further sets the selection priority of each investment target candidate included in the candidate group for each of the following information, that is, each of the one or more candidate groups. It includes selection priority information that is information to be shown. The investment target determining means determines one or more investment targets based on the investment amount and each selection priority for each of one or a plurality of candidate groups.

According to the third aspect, based on the selection priority of each of two or more investment target candidates belonging to the candidate group, it is possible to determine which investment target candidate in the candidate group is to be the investment target. it can. In the same candidate group, the selection priority order may be different for all investment target candidates, or the selection priority order of some or all investment target candidates may be the same. In addition, when there are a mix of candidate groups and investment target candidates that do not belong to the candidate group, the selection priority is set for the investment target candidates that belong to the candidate group, and the investment target that does not belong to the candidate group Selection priority may be set for the candidates.

A specific example of the third viewpoint is as follows, for example.

It is assumed that the selection candidate information during application from the investor 1-100 is as follows. In the following description, “Group (A>C> E) / 1,000,000 yen” means that the investment amount is one million for the candidate group to which the candidates for investment A, C, E belong, and the investment It means that the next candidate of the target candidate A is the investment target candidate C, and the next point of the target investment C is the investment target candidate E. “Non-consolidated (B) /¥1.5 million” means that the investment amount is ¥ 1.5 million for investment target candidate B that does not belong to the candidate group.
・ Investor 1: Group (A>C> E) / ¥ 1 million ・ Investor 2: Group (A>F> J) / ¥ 1 million ・ Investor 3: Non-consolidated (B) /¥1.5 million (Omitted) ) ~
・ Investor 99: Group (B>A> C) / 500,000 yen ・ Investor 100: Group (E>F> J) / 100,000 yen

Also, assume the following assumptions.
・ There is a selection priority among multiple selected investment targets ・ The number to be determined as investment targets is `` 3 ''

The investment target determining means performs, for each investor, a process of linking an investment amount to an investment target candidate (a process of assigning a set investment amount to an investment target candidate having the highest selection priority). The results are as follows, for example. In the following, for example, “Group (A>C> E) / 1 million yen ⇒ A: 1 million yen” means that the investment amount for the candidate group to which the candidates for investment A, C, E belong is 1 million yen It means that it is assigned to investment candidate A having the highest selection priority in the candidate group.
・ Group (A>C> E) / 1 million yen ⇒A: 1 million yen ・ Group (A>F> J) / 1 million yen ⇒A: 1 million yen ・ Non-consolidated (B) /1.5 million yen ⇒B: 1.5 million yen ・ Group (B>A> C) / 500,000 yen ⇒A: 500,000 yen ・ Group (E>F> J) / 100,000 yen ⇒E: 100,000 yen ・ Non-consolidated (B) /1.5 million yen ⇒ B: (1.5 million yen)

The investment target determining means totals the temporary investment amount (and the number of investors) for each investment target candidate. An example of the counting result is as follows.
-Candidate for investment A: 30 million yen-Candidate for investment B: 18 million yen-Candidate for investment C: 40 million yen-Candidate for investment D: 0 yen-Candidate for investment E: 19 million yen-Candidate for investment F: 45 million yen-Candidate for investment G: 0 yen-Candidate for investment H: 0 yen-Candidate for investment I: 0 yen-Candidate for investment J: 50 million yen

The investment target determining means determines the investment target based on the data indicating the above-mentioned totaling results. Specifically, for example, the following (S41) to (S45) are performed.

(S41) The investment target determination means selects the investment target candidate (in this case, investment target candidate B) having the lowest temporary investment amount from the investment target candidates not selected in S41 (except for the investment amount of “0 yen”). To do.

(S42) The investment target determining means, for the investor corresponding to the application including the selection candidate information indicating the recently selected candidate (in this case, the investment target candidate B) that is the investment target candidate selected in recent S41, Replaces the investment amount recently associated with the selection candidate with the next candidate investment target for the investor. Thereby, for each investor who has selected the recently selected candidate, the investment amount of the recently selected candidate is replaced with the investment target candidate next to the recently selected candidate. As a result, the investment amount of the investment target candidate other than the recently selected candidate is updated. An example of the result of S42 is as follows.
-Candidate for investment A: 42 million yen-Candidate for investment B: 0 yen-Candidate for investment C: 40 million yen-Candidate for investment D: 0 yen-Candidate for investment E: 19.2 million yen-Candidate for investment F: 5,100 10,000 yen-Candidate for investment G: 0 yen-Candidate for investment H: 0 yen-Candidate for investment I: 0 yen-Candidate for investment J: 50 million yen

In S42, when the investment amount of the investment target candidate next to the recently selected candidate is less than the investment amount of the recently selected candidate (transfer target investment candidate) (for example, the investment amount of the next investment candidate candidate) In the case of “0 yen”), the investment target determining means replaces the investment amount of the recently selected candidate with the next investment target candidate instead of the next investment target candidate.

Also, in S42, when there is no next investment target candidate, the investment target determining means does not add the investment amount of the recently selected candidate to any investment target candidate with no replacement destination.

(S43) The investment target determining means determines whether or not the number of investment target candidates whose investment amount is not “0 yen” has reached the number of investment targets “3”. If the determination result in S43 is true, the investment target determining means determines an investment target candidate whose investment amount is not “0 yen” as an investment target, and ends the process. Here, since the number of investment target candidates whose investment amount is not “0 yen” exceeds 3, the determination result in S43 is false.

If the determination result in S43 is false, the process returns to S41. That is, the investment target determination means selects the investment target candidate (in this case, investment target candidate E) having the lowest investment amount (except for the investment amount of “0 yen”) among the remaining investment target candidates in recent S43. select.

In S42, the investment target determining means, for the investor corresponding to the application including the selection candidate information indicating the latest selection candidate (in this case, the investment target candidate E), the investment amount associated with the recent selection candidate by the investor, It will be replaced with the next candidate for investment for the investor. Thereby, for each investor who has selected the recently selected candidate, the investment amount of the recently selected candidate is replaced with the investment target candidate next to the recently selected candidate. An example of the result of S42 is as follows.
-Candidate for investment A: 52 million yen-Candidate for investment B: 0 yen-Candidate for investment C: 46 million yen-Candidate for investment D: 0 yen-Candidate for investment E: 0 yen-Candidate for investment F: 54.2 million Yen ・ Candidate for investment G: 0 yen ・ Candidate for investment H: 0 yen ・ Candidate for investment I: 0 yen ・ Candidate for investment J: 50 million yen

In S43, the investment target determining means determines whether or not the number of investment target candidates whose investment amount is not “0 yen” has reached the number of investment targets “3”. Again, since the number of investment target candidates whose investment amount is not “0 yen” exceeds 3, the determination result in S43 is false.

If the determination result in S43 is false, the process returns to S41 as described above. That is, the investment target determining means selects the investment target candidate (in this case, investment target candidate C) having the lowest investment amount (except for the investment amount of “0 yen”) among the remaining investment target candidates in the recent S43. select.

In S42, the investment object determining means, for an investor corresponding to the application including the selection candidate information indicating the recently selected candidate (in this case, the investment object candidate C), the investment amount associated with the recently selected candidate by the investor, It will be replaced with the next candidate for investment for the investor. Thereby, for each investor who has selected the recently selected candidate, the investment amount of the recently selected candidate is replaced with the investment target candidate next to the recently selected candidate. An example of the result of S42 is as follows.
-Candidate for investment A: 72 million yen-Candidate for investment B: 0 yen-Candidate for investment C: 0 yen-Candidate for investment D: 0 yen-Candidate for investment E: 0 yen-Candidate for investment F: 64.2 million yen -Candidate for investment G: 0 yen-Candidate for investment H: 0 yen-Candidate for investment I: 0 yen-Candidate for investment J: 50 million yen

In S43, the investment target determining means determines whether or not the number of investment target candidates whose investment amount is not “0 yen” has reached the number of investment targets “3”. Here, the determination result in S43 is true. In this case, the investment target determining means determines the investment target candidates A, F, and J whose investment amount is not “0 yen” as investment targets, and ends the processing.

Note that the investment target determining means may not replace all the investment amounts corresponding to the investment target candidates with a certain selection priority with the investment amounts corresponding to the investment target candidates with the next selection priority. For example, if there is a different investment amount limit for each candidate investment, such as “Investor 1: Group (A: 1 million> C: 800,000> E: 600,000) / 1 million yen” The target determination means replaces the investment amount of 800,000 yen, which is the upper limit of investment of the next candidate investment target B, among the investment amount of 1 million yen associated with investment target candidate A as the investment amount of investment target candidate B, For the remaining 200,000 yen, the account management means may be configured to release the restraint on the account of the investor 1 as the remaining amount.

According to the fourth aspect, the investment target determining means determines each of the two or more investment target candidates based on at least one of the investment amount and the number of investors for each of the two or more investment target candidates. Priorities are determined, and one or more investment targets are determined based on two or more determination priorities. The “investment amount” referred to here may be a total investment amount or a sufficiency ratio of the investment amount with respect to an assumed transaction amount (for example, an assumed successful bid amount such as the above reference amount). The “number of investors” is the number of investors for the investment target candidates.

According to the fourth aspect, since the investment target candidates are determined as investment targets based on the determination priority order determined based on at least one of the total investment amount and the number of investors, a predetermined range of investment targets It can be expected that the optimal investment target will be determined.

Specific examples of the fourth aspect are as follows, for example.
(1) “Determining the priority of determination based on the total investment amount” is, for example, one of the following.
・ The higher the total investment amount, the higher the decision priority.
・ Determine the order of priority based on the rate of satisfaction of the total investment amount relative to the assumed transaction amount corresponding to the investment target candidate. Specifically, for example, the higher the fullness rate, the higher the determination priority.
・ The higher the investment efficiency, the higher the priority for decision.
(2) “Determining the priority of determination based on the number of investors” is, for example, as follows.
・ The higher the number of investors, the higher the decision priority.

According to the fifth aspect, the investment target determining means determines the number of investment targets to be determined based on at least one of the total investment amount and the number of investors for the two or more investment target candidates as a whole. Determine and determine the determined number of investments. The “investment amount” referred to here may be a total investment amount or a sufficiency ratio of the investment amount with respect to an assumed transaction amount (for example, an assumed successful bid amount such as the above reference amount). The “number of investors” is the number of investors for the investment target candidates.

According to the fifth aspect, since the number of investment targets is determined based on at least one of the total investment amount and the number of investors, it can be expected that the number of investment targets is an optimal number.

Specific examples of the fifth aspect are as follows, for example.
(1) “Determining the number of investments based on the total investment amount” is, for example, one of the following.
・ The higher the total investment amount, the greater the number of investments.
・ Determine the number of investment targets based on the sufficiency ratio of the total investment amount to the assumed transaction amount corresponding to the investment target candidate. Specifically, for example, the higher the satisfaction rate, the greater the number of investment targets.
(2) “Determining the number of investments based on the number of investors” is, for example, as follows.
・ The larger the number of investors, the greater the number of investments.

According to the sixth aspect, investment target candidate selection control means (for example, candidate selection control program 1913) is further provided. The investment target candidate selection control means, for at least one investor among a plurality of investors, based on the information related to the investment target candidate previously selected, Control at least one of them.

Regarding the investor, “the investment target candidate selected first” is an investment target candidate selected by the investor or an investor other than the investor prior to the current selection by the investor.

“The information related to the investment target candidate selected earlier” is information indicating at least one of the investment amount, the number of investors, and the transaction start time of the investment target candidate selected earlier, for example.

“Control of the scope of investment target candidates” means prohibiting or warning the selection of investment target candidates whose transaction start time comes before the previously selected investment target candidates. That is. If the later selectable investment target candidate is an investment target candidate whose transaction start time comes before the previously selected investment target candidate, the previously selected investment target candidate is not determined as the investment target. This is because the transaction start time has already passed and the selection may not be possible.

“Control of investment amount of investment target candidate” means prohibiting or warning that the investment amount for a selectable investment target candidate is set to an investment amount greater than the investment amount of the previously selected investment target candidate. is there. For example, any of the following may be adopted.
The upper limit K of the investment amount of the subsequent investment target candidate that can be selected is the investment amount a of the investment target candidate A that was selected earlier (that is, K = a).
The upper limit K is the sum of the investment amounts a and b of the investment target candidates A and B selected earlier (that is, K = a + b).
The upper limit K is the minimum of the investment amounts a and b of the investment target candidates A and B selected earlier (that is, K is the smaller of a and b).

According to the sixth aspect, at least one of the range of the investment target candidates and the investment amount in the selection of the investor is controlled based on the information related to the investment target candidates selected previously. This can encourage investors to make appropriate investments.

In addition, when the warning is approved by the investor, the application receiving means may change the order of the investment target candidates (for example, the selection priority order) according to the transaction start time.

According to the seventh aspect, the computer system further includes an account management means for managing an account associated with the investor identification information of each of the plurality of investors. For each of the plurality of investors, the location management means assigns the designated funds to the investors based on information indicating the designated funds corresponding to the investor identification information received prior to the application for the investors. Reflect in the account balance.

According to the seventh aspect, it is possible to accept an application for investment in the range of the account balance (the range of the amount prepared prior to the application).

According to the eighth aspect, the account management means binds, for each of a plurality of investors, the investment amount indicated by the investment amount information included in the application from the account corresponding to the investor identification information included in the application.

According to the eighth aspect, the investment amount indicated by the application can be avoided from being used for other purposes.

A specific example of the eighth aspect may be any of the following, for example.
・ Restrict investment amount at the time of accepting selection of candidates for investment.
・ The investment amount is restricted when the investment target is determined from the investment target candidates.
-The investment amount will be restricted when the remaining time until the transaction start time reaches a predetermined time.

According to the ninth aspect, when the total investment amount for any one of the plurality of investment target candidates exceeds the upper limit of recruitment for the investment target candidate, the application receiving means Based on the predetermined information on the candidate, it is selected whether to raise the upper limit of the offer or to close application acceptance for the investment target.

The “predetermined information regarding other investment target candidates” may be at least one of the following.
-At least one of the investment amount and the number of investors for other candidates for investment.
A past transaction amount (for example, a successful bid amount) of another investment target candidate similar to the investment target candidate.
A transaction success rate (for example, successful bid success rate) with respect to the past assumed transaction amount of another investment target candidate similar to the investment target candidate.

According to the 9th viewpoint, it can be expected to appropriately select whether to raise the upper limit of recruitment or close the application reception.

A specific example of the ninth aspect may be at least one of the following, for example.
-The application reception means selects whether to raise the upper limit of recruitment of a certain investment target candidate or close the reception based on the selection status of other investment target candidates (for example, the total investment amount or the other investment target candidates If the number of investors is sufficient, raise the upper limit for recruitment of the candidate for investment, and if the total investment amount or the number of investors is insufficient for other candidates for investment, application for the candidate for investment is accepted. Closes).
-The application acceptance means recruits based on past investment performance (for example, the success rate of bids and the possibility of an upside in the assumed transaction amount (for example, the reference amount)) to investment target candidates similar to a certain investment target candidate. Choose whether to raise the limit or close the reception.
The application reception means selects whether to raise the upper limit of recruitment or close the reception based on the degree of interest of the investor in other investment target candidates (for example, the degree of interest in the other investment target candidates) Is high (for example, if the total investment amount or the number of investors exceeds a certain value), the application acceptance deadline for a certain investment target candidate is closed, and the investment amount for the certain investment target candidate is determined as another investment target candidate. To replace). The application accepting means can accept requests from investors and search for and search for investment candidates, etc. in addition to investments, and can respond to such requests. For each investor, a search history, Manages history such as browsing history and investment history. The application receiving means can estimate the degree of interest of the investor based on at least one of the investor's search history, browsing history, and investment history.
-The application acceptance means raises the upper limit of recruitment as the transaction success rate is lower.

According to the tenth aspect, the computer system further includes acquisition upper limit calculation means. The acquisition upper limit calculation means calculates, for each of the determined one or more investment targets, an acquisition upper limit that is the upper limit of the acquisition amount of the investment target, based on the application received from a plurality of investor terminals.

According to the tenth aspect, the person who acquires the investment target (for example, the buyer 118) can know the upper limit of the acquisition amount of the investment target.

According to the eleventh aspect, the application accepting means includes at least one of one or more investment target candidates indicated by selection candidate information included in an application from at least one investor terminal among the plurality of investor terminals. Identify investment candidates related to investment candidates. The application receiving means recommends the selection of the identified related investment target candidate to at least one of the investor terminals of one or more investors who have not selected the related investment target candidate. The two or more investment target candidates that are options for the investment target determining means include related investment target candidates selected in response to the above recommendation.

According to the eleventh aspect, more flexible investment can be provided. For example, even if any investment target candidate selected by a certain investor is not determined as an investment target, the related investment target candidate is recommended, and in response to the recommendation, the relevant investment target candidate is selected by the investor. If selected, the investment amount of the investor can be diverted to the related investment target candidate. It can also be expected to avoid the occurrence of processing such as releasing the constraint on the investment amount.

According to the twelfth aspect, when there is an unused amount that is an unused amount of the constrained investment amount for each of the plurality of investors, the account management means sets the unused amount to the investor. The restriction is reflected to be reflected in the account balance. The investment object determining means determines one or more investment objects from two or more investment object candidates so that the number of times of debinding is minimized.

According to the twelfth aspect, since the number of times of constraint release is minimized, it can be expected that the processing load of the computer system will be reduced by reducing the number of times of constraint release processing.

A specific example of the twelfth aspect is as follows, for example.
-“Minimum number of times of debinding” means that the investment amount that is not tied to the investment target is minimized. The investment target determination means determines the investment target among the total investment amounts for each combination ( ₁₀ C ₃ = 120 ways) that determines three investment target candidates from among the ten investment target candidates. Calculate the investment amount (surplus) that is not linked. The investment target determining means determines three investment target candidates in a combination with the least surplus as investment targets. In addition, the “combination with the least surplus” was subjected to replacement processing as necessary (for example, in the case where the next priority is taken into account because the selection priority is set by at least one investor) Calculated as a result.
“The number of times of debinding is minimal” means that the number of investors who set only investment candidate candidates other than investment candidate candidates determined as investment targets is minimized. The investment target determination means includes, for each combination of ₁₀ investment target candidates from 10 investment target candidates ( ₁₀ C ₃ = 120), the combination from the number of investors. Calculate the number excluding the investors associated with the three candidates for investment. The investment target determining means determines three investment target candidates in the combination having the smallest calculated number as the investment target. Note that the “combination with the smallest calculated number” is subjected to replacement processing as necessary (for example, in the case where the next priority is considered because the selection priority is set by at least one investor). As a result.

According to the thirteenth aspect, the investment object determining means determines two or more investment objects from two or more different attributes when two or more investment object candidates belong to two or more different attributes. The “attribute” may be a large attribute such as real estate or art, or each of one or more small attributes for each large attribute (for example, when the large attribute is “real estate”, the small attribute is “apartment”, “apartment”, etc. )

According to the thirteenth aspect, it can be expected that one or more determined investment target attributes are distributed so as not to be biased toward specific attributes. For example, in the fourteenth aspect, the investment target determining means classifies each of the two or more investment target candidates into an attribute to which the investment target candidate corresponds among a plurality of attributes, and at least one of each of the two or more attributes One investment target may be determined.

A specific example of the thirteenth aspect is, for example, one of the following.
・ Investment candidates classified as attributes with a large number of investment candidates are determined as relatively many investment targets.
・ Higher priority among attributes for attributes with more investment candidates. For example, when the relationship between the attribute and the number of investment candidates is attribute 1: 6, attribute 2: 3, and attribute 3: 4, the attribute priority order is attribute 1> attribute 3> attribute 2. The difference in the priority order of attributes may be determined according to the difference in the number of investment target candidates. The higher the priority, the more investment target candidates are determined as investment targets.
-Consider the amount of investment in investment candidates that are classified as attributes. For example, an investment target candidate belonging to an attribute having a large total investment amount is preferentially determined as an investment target.
A candidate for investment belonging to an attribute having a large total investment amount / assumed sales amount (for example, an assumed transaction amount) is preferentially determined as an investment object.
-Consider the investment efficiency of investment candidates that are classified into attributes. For example, investment target candidates belonging to attributes having a large number of investment target candidates with high investment efficiency are preferentially determined as investment targets.

According to a fourteenth aspect, the application receiving means sets the number of selectable investment target candidates for at least one of the plurality of investors.

According to the fourteenth aspect, the number of investment target candidates that can be selected for at least one investor (for example, at least one of an upper limit and a lower limit) can be set.

A specific example of the fourteenth aspect may be any of the following, for example.
-The number β1 of selectable investment target candidates is determined according to the number α1 of investment target candidates indicated by the candidate information for investors. For example, as α1 is larger, β1 is larger. The smaller α1 is, the smaller β1 is.
The number β2 of selectable investment target candidates is determined according to the investment amount α2 for one or more investment target candidates selected by the investor. For example, as α2 is larger, β2 is larger. The smaller α2 is, the smaller β2 is.
The number β3 of selectable investment target candidates is determined according to the investor performance (for example, the total amount invested in the past) α3. For example, the larger α3 is, the larger β3 is. The smaller α3, the smaller β3.

According to the present embodiment, it is possible to solve the problems of both the fund operator and the investor 102 that are assumed when it is assumed that an asset distributed in an auction is an investment target.

That is, the fund operator (buyer 118) can flexibly determine whether or not to bid on the investment target and how much to bid, while grasping the demand of the investor 102. Can do. For this reason, it is possible to prevent having a bad stock. Fund formation may be after successful bid. This further reduces the risk of having a bad inventory.

Investor 102 can enjoy the atmosphere of the auction. There are some auctions where participation conditions that are difficult to meet for the general public are imposed, but the investors 102 can enjoy the atmosphere of such auctions. The range in which an investor 102 obtains an asset desired by the investor 102 can be expanded to an auction.

In addition, according to the present embodiment, a flow of notification of investment target candidates distributed in an auction, acceptance of application, determination of one or more investment targets from two or more investment target candidates, relay of an auction, notification of successful bid results, etc. Can be integrated online.

Example 2 will be described. At that time, differences from the first embodiment will be mainly described, and description of common points with the second embodiment will be omitted or simplified.

In the first embodiment, the auction is a real auction such as an auction held at a venue. In the second embodiment, the auction is a virtual auction such as an auction held on a site on the Internet.

FIG. 16 is a flowchart showing a part of the overall process flow according to the second embodiment, and FIG. 17 is a flowchart showing the rest of the overall process flow.

In the second embodiment, an auction server 1501 is provided. The auction server 1501 provides an auction managed by an auction operator. The auction server 1501 accepts a bid for an auction target. The auction server 1501 manages the auction management table 1502. The auction management table 1502 holds information related to auction targets (for example, bid price, bidder name, successful bid price, and successful bidder name) for each auction target.

Further, in the second embodiment, the investment support server 103 can acquire the auction status from the auction server 1501 instead of the information providing person in charge terminal 115 and the video distribution server 121. In other words, in the second embodiment, the information provider person terminal 115 and the video distribution server 121 may be omitted, and the information provider person terminal 115 and the video distribution server 121 may be configured as one function of the investment support server 103. Good.

Hereinafter, the flow of processing performed in the second embodiment will be described.

1. Previous day phase

First, the same processing as “S800: Fund reflection” is performed. That is, the account management program 517 invests the designated funds based on the information indicating the designated funds corresponding to the investor ID (investor ID of the investor 102A) received prior to the application of the investor 102A. This is reflected in the balance of the house 102 account (S1500).

The same processing as “S801: List transmission” is performed. That is, the investor terminal 101A requests the investment support server 103 for an investment target candidate list (S1501). In response to the request, the list transmission program 510 acquires information on each investment target candidate from the investment target candidate management table 522 (S1502). The list transmission program 510 generates an investment target candidate list based on the acquired information, and transmits the generated investment target candidate list to the investor terminal 101A (S1503). The investor terminal 101A displays the received investment target candidate list (S1504).

The same processing as “S802: Application acceptance” is performed. That is, the investor terminal 101A receives the selection of the investment target candidate and the input of the investment amount and the selection priority (S1505), and applies the application including the selection of the investment target, the investment amount and the selection priority order to the investment support server 103. (S1506). The application reception program 511 receives the application (S1507), registers the application in the investor management table 521, and reflects the application in the investment target candidate management table 522 (S1508). Further, the account management program 517 called from the application reception program 511 executes the investment amount restriction that subtracts the investment amount according to the received application from the account capacity 603 corresponding to the investor 102A (S1509).

The same processing as “S803: Determination of investment target” is performed. That is, the investment object determination program 1912 selects one or more investments based on a plurality of applications from two or more investment object candidates specified by a plurality of applications received from the plurality of investor terminals 101 including the investor terminal 101A. A target is determined (S1510).

The same processing as “S804: Calculation of bid upper limit” is performed. That is, the bid upper limit calculation program 512 acquires the determined total investment amount 704 (application corresponding to a plurality of investors 102A) from the investment target candidate management table 522 (S1511). The bid upper limit calculation program 512 calculates the bid upper limit for the investment target based on the total investment amount 704 (S1512).

The same processing as “S805: Send result” is performed. That is, the result transmission program 513 transmits result information including information indicating the investment target determined in S1510 to the investor terminal 101A (S1513).

2. Same-day phase

2-1. Pre-bidding phase

S1500 to S1513 may be performed.

2-2. Bidding phase

The same processing as “S1000: Send bid upper limit” is performed. That is, the result transmission program 513 transmits the value represented by the bid upper limit 703 registered in the investment target candidate management table 522 for the investment target to the buyer terminal 117 as the bid upper limit (S1514). The buyer terminal 117 accepts and displays the upper limit of bids to be invested (S1515).

In addition, S1512 and S1513 may be performed in the previous day phase, and may be performed in the phase before a bid start.

The buyer terminal 117 inputs the bid amount to the auction server 1501 based on the accepted bid upper limit for the investment target (S1516).

The auction server 1501 accepts the bid price from the buyer terminal 117 (S1517), and registers the accepted bid price in the auction management table 1502 for the investment target (S1518).

Although not shown, in the “2-2. Bidding phase”, the investment support server 103 can acquire the auction status from the auction server 1501 and notify the investor terminal 101A of the auction status. Specifically, for example, in response to a request from the investment support server 103 (or without such a request), the auction server 1501 manages auction information including a bid amount corresponding to the investment target being bid. Information acquired from the table 1502 and including the acquired bid amount is transmitted to the investment support server 103 as an auction status. The investment support server 103 receives the auction status, and the auction notification program 514 notifies the investor terminal 101A of the auction status. The above-described “S1003: Acceptance of amount change” is performed on the investor terminal 101A that has received the notification of the auction status, and then “S1004: Update bid upper limit” and “S1005: Send bid upper limit” are performed. Good. That is, in the “2-2. Bidding phase”, notification of auction status, acceptance of application, update of the bid upper limit, and transmission of the bid upper limit may be repeatedly performed.

2-3. Phase after a successful bid

The auction server 1501 acquires information (for example, the bid amount and bidder name at the time of a successful bid) regarding the successful investment target from the auction management table 1502 (S1519). The auction server 1501 identifies the bid price and bidder at the time of the successful bid from the acquired information (S1520), and registers the identified bid price and bidder in the auction management table 1502 as the successful bid price and bidder (S1521). The auction server 1501 transmits successful bid information (for example, the successful bid amount and the successful bidder name) to the investment support server 103 (S1522).

The same processing as “S1006: Status reception” is performed. That is, the auction status management program 516 receives successful bid information from the auction server 1501. The auction status management program 516 judges whether or not the successful bid is successful based on the successful bid information, and registers the successful bid success or failure and the winning bid amount in the investment target candidate management table 522 (S1523). If the successful bidder name is the same as the purchaser's name, it is determined that the successful bid is successful. If the successful bidder name is different from the purchaser's name, it is determined that the successful bid is not successful.

The same processing as “S1007: Send successful bid result” is performed. That is, the successful bid result transmission program 515 transmits a successful bid result (for example, a successful bid determination result and a successful bid amount) to the investor terminal 101A for the investment target that has been awarded (S1524). The account management program 517 performs account processing for the account of the investor 102A who has invested in the investment target for which the bidding has been successful (S1525). For example, when the successful bid is successful, the account management program 517 subtracts the investment amount 612 for the investment target for which the successful bid is successful from the account balance 613 of the investor 102A. On the other hand, when the successful bid is not established, the account management program 517 releases the investment amount constraint on the investor 102A (that is, adds the investment amount 612 for the investment object for which the successful bid is not established to the account capacity 603 of the investor 102A).

The above is the description of the second embodiment. In the second embodiment, the buyer terminal 117 may not be provided, and the investment support server 103 may have the function of the buyer terminal 117. That is, the investment support server 103 may execute a bidding program as an example of a bidding means. The bid program may execute a bid for the investment target on the auction server 1501 based on the bid upper limit calculated for the investment target (typically within the range of the bid upper limit) (the bid price is set to the auction server). 1501).

Although several embodiments have been described above, these are merely examples for explaining the present invention, and the scope of the present invention is not limited to these embodiments. The present invention can be implemented in various other forms.

For example, the buyer 118 and the data information provider 116 may be the same person. For this reason, the purchaser terminal 117 may also serve as the information provider person terminal 115.

Further, if the bidding target of the successful bid target is not started, all or a part of the investment amount for the successful bid target may be cancelled. During bidding for a successful bid target, all or part of the investment amount for the successful bid target may be canceled within a range where the upper bid limit 703 does not become less than the bid amount 706.

Also, for example, in FIGS. 2 to 5, the arrangement of programs and data is an example. For example, in FIG. 5, at least one of the tables 521 and 522 may be stored in the memory 502 instead of the storage device group 505. Further, at least one of the programs 510 to 518 is stored in the storage device group 505 instead of the memory 502, and may be read out to the memory 502 as necessary.

In addition, an “auction” which is an aspect of the commercial transaction in the present invention is an amount that can be awarded at the same time as bidding (for example, an immediately successful bid amount) instead of an auction in which a person who bids the highest amount becomes a winning bidder. May be set in advance, and an auction in which a person who bids the amount the earliest becomes a successful bidder may be used.

Further, all or part of the investment amount returned to the account of the investor 102A due to failure of the successful bid is transferred to at least one of one or more other investment targets selected from the investor 102A by the account management program 517. It may be added to the corresponding investment amount.

Further, the commercial transaction in the present invention may be a mode in which the commercial transaction is performed with a fixed amount presented by the seller, and the time limit of the commercial transaction may or may not be set.

Also, when the investment amount is deducted from the account balance 603 but the investment amount is not deducted from the account balance 613, the investment amount constraint may be released by returning the investment amount to the account balance 603. If the investment amount constraint includes subtracting the investment amount from the account balance 613, releasing the investment amount constraint may include returning the investment amount to the account balance 613.

In the above description, specific examples of means such as candidate information transmission means, application reception means, investment target determination means, acquisition upper limit calculation means, result transmission means, investment target candidate selection control means, and account management means are described. Although disclosed, at least a part of processing performed by at least one of these means (functions) is realized by a processor unit executing one or more computer programs (the processor unit is a hardware circuit) And at least a part of the processing may be realized by a hardware circuit). Therefore, for example, the above description can be expressed as follows. As described below, means such as candidate information transmission means, application reception means, investment object determination means, acquisition upper limit calculation means, result transmission means, and account management means can be read as “processor section”.

<Expression 1>
An interface unit that communicates with a plurality of investor terminals;
A storage unit for storing management information including information on investors and candidates for investment;
A processor unit that is connected to the interface unit and the storage unit, communicates with the plurality of investor terminals via the interface unit, and executes processing based on the management information stored in the storage unit; And
The processor unit is
(A) The candidate information, which is information of a plurality of investment target candidates that can be selected by the investor, is transmitted to the investor terminals of the plurality of investors, respectively.
(B) Accepting an application including the following information (b1) to (b3) from each of a plurality of investor terminals,
(B1) Investor identification information that is information for identifying the investor;
(B2) Selection candidate information that is information indicating selection of one or more investment target candidates included in the candidate information transmitted to the investor terminal; and
(B3) Investment amount information, which is information indicating the investment amount for the one or more candidates for investment,
(C) determining one or more investment targets from two or more investment target candidates based on a plurality of applications received from the plurality of investor terminals;
Computer system.

<Expression 2>
In an application from at least one of the plurality of investor terminals,
The selection candidate information includes information indicating one or more candidate groups, and each of the one or more candidate groups includes two or more selected investment candidates.
The investment amount information includes information indicating an investment amount for each of the one or more candidate groups,
In (C), when the processor unit identifies one or more candidate groups from the plurality of applications, the processor unit determines the one or more investment targets based on the investment amount for each of the one or more candidate groups. decide,
A computer system according to expression 1.

<Expression 3>
In the application from at least one investor terminal among the plurality of investor terminals, the selection candidate information includes information indicating one or more candidate groups, and each of the one or more candidate groups is selected. The application from the at least one investor terminal, which includes two or more investment target candidates, further includes the following information:
For each of the one or more candidate groups, selection priority information that is information indicating the selection priority of each investment target candidate included in the candidate group;
The processor unit determines the one or more investment targets in (C) based on an investment amount and each selection priority for each of the one or more candidate groups.
A computer system according to expression 1.

<Expression 4>
The processor unit in (C),
Determining a priority order of determination for each of the two or more investment candidates based on at least one of the investment amount and the number of investors for each of the two or more investment candidates;
Determining the one or more investment targets based on the two or more determination priorities;
The computer system according to any one of expressions 1 to 3.

<Expression 5>
The processor unit in (C),
Determining the number of investment targets to be determined based on at least one of the total investment amount and the number of investors for the entire two or more investment target candidates;
Determining the determined number of investments;
5. The computer system according to any one of expressions 1 to 4.

<Expression 6>
The processor unit, for at least one of the plurality of investors, based on the information related to the previously selected investment target candidate, of the range of investment target candidates and the investment amount in the selection of the investor Control at least one,
The computer system according to any one of expressions 1 to 5.

<Expression 7>
The processor unit manages an account associated with the investor identification information of each of the plurality of investors,
The processor unit, for each of the plurality of investors, based on information indicating the designated funds corresponding to the investor identification information received prior to the application of the investor, the designated funds Reflected in the balance of the investor's account,
The computer system according to any one of expressions 1 to 6.

<Expression 8>
The processor unit binds, for each of the plurality of investors, an investment amount indicated by the investment amount information included in the application from an account corresponding to the investor identification information included in the application.
The computer system according to expression 7.

<Expression 9>
The processor unit, when a total investment amount for any one of the plurality of investment target candidates exceeds an upper limit of recruitment for the investment target candidate, predetermined processing related to other investment target candidates at present or in the past Based on the information in the above, select whether to raise the upper limit of the offer or to close the application acceptance for the investment target,
The computer system according to any one of expressions 1 to 8.

<Expression 10>
The processor unit calculates an acquisition upper limit that is an upper limit of an acquisition amount of the investment target for each of the determined one or more investment targets based on an application received from the plurality of investor terminals.
The computer system according to any one of expressions 1 to 9, further comprising:

<Expression 11>
The processor unit is
Identifying investment target candidates related to at least one investment target candidate among one or more investment target candidates indicated by selection candidate information included in an application from at least one investor terminal among the plurality of investor terminals;
Recommending selection of the identified related investment target candidates to at least one of the investor terminals of one or more investors who have not selected the related investment target candidates;
The two or more investment target candidates include related investment target candidates selected in response to the recommendation.
The computer system according to any one of expressions 1 to 10.

<Expression 12>
The processor unit reflects the unused amount in the balance of the investor's account when there is an unused amount that is an unused amount of the restrained investment amount for each of the plurality of investors. Release the restraint,
The processor unit determines the one or more investment targets in (C) so that the number of times of the constraint release is minimized.
A computer system described in Expression 8.

It is also possible to express as follows.

<Expression A>
Candidate information, which is information on a plurality of investment candidates that investors can select, is received from the computer system,
Display the received candidate information,
Transmitting an application including at least investor identification information for identifying an investor, selection of one or more investment target candidates included in the candidate information, and an investment amount for the selected investment target candidate to the computer system;
A computer program (for example, APP211) that causes a computer (for example, investor terminal 101) to execute the above.

103: Investment support server

Claims

Candidate information transmitting means for transmitting candidate information that is information of a plurality of investment target candidates that can be selected by an investor to each of the plurality of investor terminals;
An application receiving means for receiving an application including the following information from each of a plurality of investor terminals;
Investor identification information, which is information for identifying the investor,
Selection candidate information that is information indicating selection of one or more investment target candidates included in the candidate information transmitted to the investor terminal; and
Investment amount information, which is information indicating the investment amount for the one or more candidates for investment,
A computer system comprising: investment target determining means for determining one or more investment targets from two or more investment target candidates based on a plurality of applications received from the plurality of investor terminals.
In an application from at least one of the plurality of investor terminals,
The selection candidate information includes information indicating one or more candidate groups, and each of the one or more candidate groups includes two or more selected investment candidates.
The investment amount information includes information indicating an investment amount for each of the one or more candidate groups,
The investment object determining means determines the one or more investment objects based on the investment amount for each of the one or more candidate groups, when one or more candidate groups are specified from the plurality of applications.
The computer system according to claim 1.
In the application from at least one investor terminal among the plurality of investor terminals, the selection candidate information includes information indicating one or more candidate groups, and each of the one or more candidate groups is selected. It is composed of two or more investment target candidates, and the application from the at least one investor terminal further includes the following information:
For each of the one or more candidate groups, selection priority information that is information indicating the selection priority of each investment target candidate included in the candidate group;
The investment object determining means determines the one or more investment objects based on an investment amount and each selection priority for each of the one or more candidate groups.
The computer system according to claim 1.
The investment object determining means includes:
Determining a priority order of determination for each of the two or more investment candidates based on at least one of the investment amount and the number of investors for each of the two or more investment candidates;
Determining the one or more investment targets based on the two or more determination priorities;
The computer system according to any one of claims 1 to 3.
The investment object determining means includes:
Determining the number of investment targets to be determined based on at least one of the total investment amount and the number of investors for the entire two or more investment target candidates;
Determining the determined number of investments;
The computer system according to any one of claims 1 to 4.
Further comprising investment candidate selection control means,
Investment candidate selection control means
For at least one of the plurality of investors, at least one of the range of the investment target candidates and the investment amount in the selection of the investor based on the information related to the investment target candidate previously selected Control,
The computer system according to any one of claims 1 to 5.
Account management means for managing an account associated with the investor identification information of each of the plurality of investors,
Further comprising
The account management means, for each of the plurality of investors, based on the information indicating the designated funds corresponding to the investor identification information received prior to the application of the investor, the designated funds Reflected in the account balance of the investor,
The computer system according to any one of claims 1 to 6.
The account management means, for each of the plurality of investors, binds the investment amount indicated by the investment amount information included in the application from an account corresponding to the investor identification information included in the application,
The computer system according to claim 7.
When the total investment amount for any one of the plurality of investment target candidates exceeds the upper limit of recruitment for the investment target candidate, the application receiving means is based on information on the other investment target candidates. Select whether to raise the upper limit of the offer or to close the application for the investment target.
The computer system according to any one of claims 1 to 8.
An acquisition upper limit calculation means for calculating an acquisition upper limit that is an upper limit of the acquisition amount of the investment target for each of the determined one or more investment targets based on an application received from the plurality of investor terminals;
The computer system according to any one of claims 1 to 9, further comprising:
The application receiving means
Identifying investment target candidates related to at least one investment target candidate among one or more investment target candidates indicated by selection candidate information included in an application from at least one investor terminal among the plurality of investor terminals;
Recommending selection of the identified related investment target candidates to at least one of the investor terminals of one or more investors who have not selected the related investment target candidates;
The two or more investment target candidates include related investment target candidates selected in response to the recommendation.
The computer system according to any one of claims 1 to 10.
The restraint control means reflects the unused amount in the balance of the investor's account when there is an unused amount that is an unused amount of the restrained investment amount for each of the plurality of investors. To release the restraint,
The investment object determining means determines the one or more investment objects so that the number of times of the constraint release is minimized;
The computer system according to claim 8.
The candidate information, which is information on a plurality of investment target candidates that the investor can select, is sent to the investor terminals of the plurality of investors,
From each of the plurality of investor terminals, at least investor identification information for identifying the investor, selection of one or more investment target candidates included in the candidate information transmitted to the investor terminal, and the selected investment target candidate Accept application including investment amount,
Determining one or more investment targets from two or more investment target candidates based on a plurality of applications received from the plurality of investor terminals;
Investment support method.