WO2018092358A1 - Investment assistance system and method - Google Patents
Investment assistance system and method Download PDFInfo
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- WO2018092358A1 WO2018092358A1 PCT/JP2017/027596 JP2017027596W WO2018092358A1 WO 2018092358 A1 WO2018092358 A1 WO 2018092358A1 JP 2017027596 W JP2017027596 W JP 2017027596W WO 2018092358 A1 WO2018092358 A1 WO 2018092358A1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/08—Auctions
Definitions
- 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.
- 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.
- assets subject to investment may be distributed in the form of transactions such as auctions.
- 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.
- 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.
- 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.
- 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 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.
- 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.
- “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.
- 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.
- 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.
- FIG. 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.
- a collective investment scheme 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.
- 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.
- 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.
- the interface device may be abbreviated as “I / F”.
- the “memory unit” is one or more memories.
- the at least one memory may be a volatile memory or a non-volatile memory.
- 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).
- 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.
- 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.
- 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.
- two or more programs may be realized as one program, or one program may be realized as two or more programs.
- 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.
- 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”.
- 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.
- a reference code 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.
- “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”.
- 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.
- a communication network for example, the Internet
- 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.
- the investment support server 103 may be configured to directly or indirectly perform a commercial transaction such as an auction.
- 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.
- 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.
- various terminals such as a notebook PC (laptop / Notebook computer / Personal computer), a tablet PC, and a smartphone can be employed.
- an actual auction site 111 there is an actual auction site 111.
- the actual auction hall 111 there is an exhibition area 113 where products to be exhibited for auction are displayed.
- the auction hall 111 there are one or more cameras 125 (for example, two cameras 125A and 125B).
- 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.
- 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 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- an investment target candidate and one investor 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.
- 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.
- 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.
- 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).
- 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).
- the investment target candidate for attention may belong to the selected group.
- 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). .
- 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.
- 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.
- 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. .
- 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.
- 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.
- 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. .
- 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.
- 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.
- 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.
- 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.
- a UI user interface
- “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.
- 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.
- 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.
- 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.
- 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).
- 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.
- 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.
- the application reception program 511 May close the application for the investment candidate.
- the upper limit of recruitment 705 may be updated based on information stored in the investment support server 103.
- the application reception program 511 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.
- 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.
- 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.
- 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.
- the acceptance of the application may be continued without raising the upper limit of recruitment 705.
- 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.
- 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.
- 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).
- 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.
- the result transmission program 513 transmits result information including information indicating the investment object determined in S803 to the investor terminal 101A.
- the result transmission program 513 may transmit the bid upper limit calculated in S804 for the determined investment target to the buyer terminal 117.
- 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.
- the upper limit of bidding can be calculated.
- 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.
- 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.
- “before bidding” means before sales start
- “being bidding” means within the sales period
- “after bidding” means after purchase.
- 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.
- 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.
- 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.
- 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
- the bid upper limit 703 is updated by the bid upper limit calculation program 512.
- 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.
- “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.
- the investment support server 103 may recognize that the phase is “being bidding”.
- you may comprise so that the preset bid end time may be extended according to the condition of a bid.
- the bid end time may not be set in advance, and for example, the bid end time may be the bid end time.
- 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.
- 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).
- S1000 may be performed in the previous day phase or may be performed in the pre-bidding phase.
- 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.
- the auction status includes the bid amount.
- 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.
- 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).
- the application acceptance program 511 can accept the change in the investment amount for the investment target being bid.
- an amount change 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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”.
- 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.
- 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.
- the computer system 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
- -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 is information from each of the plurality of investor terminals.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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 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.
- 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.
- 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).
- the investment target determining means can determine the investment target based on at least one of the investment amount and the number of investors.
- 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.
- Investment target determination means determines the top three investment target candidates A, C, and F with the largest number of investors as investment targets.
- 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.
- the investment target determining means associates the investor with an investment target candidate having the highest selection priority set by the investor.
- the investment object determination means performs a replacement process as appropriate.
- the investment priority candidate set by the investor is assigned the next priority (next rank).
- a specific example of the replacement process is as follows.
- “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).
- 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.
- 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.
- the investment amount is reassigned from the investment target candidate B to the investment target candidates A and F.
- an example before and after the replacement process is as follows.
- Investment target determination means performs the following processing, for example.
- 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.
- 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.
- 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.
- 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.
- Investment target determination means performs the following processing, for example.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- the investment target determination means determines the remaining investment target candidates A, B, and C as investment targets.
- 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 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.
- 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).
- 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.
- 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.
- 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.
- 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.
- the amount in parentheses is a provisional investment amount.
- “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.
- 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) ⁇
- 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.
- the investment target determining means determines “investment target candidate A” having the highest temporary investment amount as an investment target.
- 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.
- S33 is performed.
- the determined number of investment objects is less than 3 (since the determined number of investment objects is still 1), S33 is performed.
- 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)
- 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.
- 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.
- 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)
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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
- 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.
- the investment target determining means when there is no next investment target candidate, does not add the investment amount of the recently selected candidate to any investment target candidate with no replacement destination.
- 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.
- 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.
- 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
- 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.
- 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.
- 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
- 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”.
- the determination result in S43 is true.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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).
- 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.
- 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.
- 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.
- 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.
- 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).
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- the account management means 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.
- 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 determining means determines three investment target candidates in a combination with the least surplus as investment targets.
- 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 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.
- 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. )
- 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.
- 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.
- assumed sales amount for example, an assumed transaction amount
- 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.
- the application receiving means sets the number of selectable investment target candidates for at least one of the plurality of investors.
- 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 ⁇ 1 of selectable investment target candidates is determined according to the number ⁇ 1 of investment target candidates indicated by the candidate information for investors. For example, as ⁇ 1 is larger, ⁇ 1 is larger. The smaller ⁇ 1 is, the smaller ⁇ 1 is.
- the number ⁇ 2 of selectable investment target candidates is determined according to the investment amount ⁇ 2 for one or more investment target candidates selected by the investor. For example, as ⁇ 2 is larger, ⁇ 2 is larger. The smaller ⁇ 2 is, the smaller ⁇ 2 is.
- the number ⁇ 3 of selectable investment target candidates is determined according to the investor performance (for example, the total amount invested in the past) ⁇ 3. For example, the larger ⁇ 3 is, the larger ⁇ 3 is. The smaller ⁇ 3, the smaller ⁇ 3.
- 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.
- 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.
- the auction is a real auction such as an auction held at a venue.
- 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
- FIG. 17 is a flowchart showing the rest of the overall process flow.
- 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.
- 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.
- 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.
- 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 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 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 result transmission program 513 transmits result information including information indicating the investment target determined in S1510 to the investor terminal 101A (S1513).
- S1500 to S1513 may be performed.
- 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).
- 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).
- 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 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 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 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.
- 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 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).
- the buyer 118 and the data information provider 116 may be the same person.
- the purchaser terminal 117 may also serve as the information provider person terminal 115.
- all or a part of the investment amount for the successful bid target may be cancelled.
- 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.
- the arrangement of programs and data is an example.
- at least one of the tables 521 and 522 may be stored in the memory 502 instead of the storage device group 505.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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”.
- 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;
- 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.
- 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 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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:
- 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.
- 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.
- 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
- a computer for example, investor terminal 101
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
本発明は、概して、コンピュータを用いて投資を支援する技術に関する。
The present invention generally relates to technology for supporting investment using a computer.
集団投資スキーム(以下、ファンドという)とは、ファンドの運営者(以下、運営者)が他者から金銭などの出資・拠出を集め、当該金銭を用いて何らかの事業・投資を行い、その事業又は投資から生じる収益などを出資者に分配するような仕組みのことである。現在ファンドの対象となる事業・投資は多岐にわたっている。
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.
ファンドにおける事業となり得る範囲の一つとして資産への投資がある。例えば、運営者が投資の対象となる資産を予め特定し、当該特定された投資の対象となる資産に対して投資家(ファンドに金銭を出資又は拠出する者、例えば出資者)から出資などにより金銭を集め、当該集めた金銭を用いて投資の対象となる資産を取得することによってファンドを組成する。
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.
また、当該投資の対象となる資産はオークションなどの取引形態で流通する場合もあり、当該オークションなどの取引形態で流通する資産を投資の対象としてファンドを組成する場合、例えばファンドの運営者は投資家から出資などにより金銭を集め、当該集めた金銭を資金として投資の対象となる資産のオークションに参加した上で、落札を成功させることにより投資の対象となる資産を確保することとなる。なお、「資産」は、有体物であっても無体物であってもよい。
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.
オークションに関して、例えば、特許文献1及び2の技術が知られている。特許文献1及び2のいずれも、オークションそれ自体の技術、具体的には、オークションに対する共同入札のための技術である。
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.
ところで、運営者及び複数の投資家にとって、ファンドにおける事業の一つである資産への投資を行う対象として、魅力ある資産を見つけたいというニーズがある。そのニーズを満たす方法の1つとして、運営者以外の者が提供する商取引(例えば、オークション)で流通する資産などの取引対象を投資の対象とすることが考えられる。運営者以外の者が提供する商取引(例えば、オークション)でなければ流通しない資産などの取引対象があることが理由の1つとして挙げられる。
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.
運営者以外の者が提供する商取引(例えば、オークション)で流通する複数の取引対象の全部又は一部が、運営者にとって、複数の投資家に対して選択可能とする投資対象候補である。商取引は、運営者以外の者によって提供されているため、運営者は、そのような商取引の前段階において(例えば少なくとも取引成立前までに)、複数の投資対象候補のうちのいずれを投資対象とするか(すなわち、実際の取引の対象とするか)を決めることになる。しかしながら、運営者以外の者が提供する商取引で流通する複数の投資対象候補から投資対象を決めることは、運営者にとって、容易なことではない。その理由の一例として、複数の投資家にとってどの程度の需要があるかを全ての投資対象候補について把握することが難しいことを挙げることができる。
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.
このような課題は、運営者が提供する商取引についてもあり得る。
Such a problem can also be caused by commercial transactions provided by the operator.
また、このような課題は、特許文献1及び2の技術を用いて解決できることはできない。なぜなら、特許文献1及び2のいずれも、オークションの複数の参加者が共同で入札する共同入札の技術であり、投資家が参加者として直接商取引に参加して投資対象を決める必要があるからである。
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.
計算機システムが、投資家が選択可能な複数の投資対象候補の情報である候補情報を複数の投資家の投資家端末にそれぞれ送信する。計算機システムが、複数の投資家端末の各々から申込を受け付ける。申込は、投資家を識別するための情報である投資家識別情報と、当該投資家端末に送信された候補情報に含まれる1以上の投資対象候補の選択を示す情報である選択候補情報と、当該1以上の投資対象候補に対する投資金額を示す情報である投資金額情報とを含む。計算機システムは、複数の投資家端末から受け付けた複数の申込を基に、2以上の投資対象候補から1以上の投資対象を決定する。
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.
複数の投資対象候補の各々は、少なくとも1つの商取引により流通する取引対象(例えば、商品又はサービス)でよい。なお、上述したように、「商取引」の一例として、「オークション」がある。「オークション」は、定められた金額を最も早く入札した者が落札者となるオークションであってもよいし、最も高い金額を入札した者が落札者となるオークションであってもよい。すなわち、「オークション」とは、一般に、出品された対象を最も良い購入条件を提示した者に売却するために購入条件を競わせる仕組みであるが、競われる購入条件は、限定されない。競われる購入条件は、時間、金額又はその他の条件であってもよい。また、「オークション」は、会場で開催されるオークションのようなリアルなオークションであってもよいし、インターネット上のサイトで開催されるオークションのようなバーチャルなオークションであってもよい。
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.
複数の投資対象候補から投資対象を決めることを運営者にとって容易とすることができる。
It can be made easy for the operator to determine the investment target from a plurality of investment target candidates.
集団投資スキーム(ファンド)とは、ファンドの運営者が他者から金銭などの出資又は拠出を集め、当該金銭を用いて何らかの事業又は投資を行い、その事業又は投資から生じる収益などを投資家(例えば出資者)に分配するような仕組みのことである。ファンドの対象となる事業又は投資は多岐にわたっている。
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.
以下、図面を参照して、幾つかの実施例を説明する。なお、以下の説明では、「商取引」の一例として「オークション」が採用される。本発明は、オークション以外の商取引にも適用可能である。
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.
以下の説明では、「インターフェース部」は、ユーザインターフェース部と、通信インターフェース部とのうちの少なくとも1つを含む。ユーザインターフェース部は、1以上のI/Oデバイス(例えば入力デバイス(例えばキーボード及びポインティングデバイス)と出力デバイス(例えば表示デバイス))と表示用計算機とのうちの少なくとも1つのI/Oデバイスを含んでよい。通信インターフェース部は、1以上の通信インターフェースを含んでよい。1以上の通信インターフェースは、1以上の同種のインターフェースデバイス(例えば1以上のNIC(Network Interface Card))であってもよいし2以上の異種のインターフェースデバイス(例えばNICとHBA(Host Bus Adapter))であってもよい。また、以下の説明では、インターフェースデバイスを「I/F」と略記することがある。
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”.
また、以下の説明では、「メモリ部」は、1以上のメモリである。少なくとも1つのメモリは、揮発性メモリであってもよいし不揮発性メモリであってもよい。
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.
また、以下の説明では、「記憶部」は、メモリ部と、1以上の記憶デバイス(典型的には、不揮発性の補助記憶デバイス)とのうち、少なくともメモリ部を含む。
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).
また、以下の説明では、「プロセッサ部」は、1以上のプロセッサを含む。少なくとも1つのプロセッサは、典型的には、CPU(Central Processing Unit)である。プロセッサ部は、処理の一部または全部を行うハードウェア回路を含んでもよい。
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.
また、以下の説明では、「プログラム」を主語として処理を説明する場合があるが、プログラムは、プロセッサ部によって実行されることで、定められた処理を、適宜にメモリ部及びインターフェース部のうちの少なくとも1つを用いながら行うため、処理の主語が、プロセッサ部(或いは、プロセッサ部を有する計算機システム)とされてもよい。プログラムは、プログラムソースから計算機システムにインストールされてもよい。プログラムソースは、例えば、プログラム配布サーバ又は計算機が読み取り可能な記憶メディアであってもよい。また、以下の説明において、2以上のプログラムが1つのプログラムとして実現されてもよいし、1つのプログラムが2以上のプログラムとして実現されてもよい。
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.
また、以下の説明では、要素の識別情報として、ID又は名称が採用されるが、要素を識別可能な情報であればどのような種類の情報が採用されてもよい。
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.
また、以下の説明では、「xxxテーブル」といった表現にて情報を説明することがあるが、情報は、どのようなデータ構造で表現されていてもよい。すなわち、情報がデータ構造に依存しないことを示すために、「xxxテーブル」を「xxx情報」と言うことができる。また、以下の説明において、各テーブルの構成は一例であり、1つのテーブルは、2以上のテーブルに分割されてもよいし、2以上のテーブルの全部又は一部が1つのテーブルであってもよい。
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.
また、以下の説明では、同種の要素を区別しないで説明する場合には、参照符号における共通部分を使用し、同種の要素を区別して説明する場合は、参照符号を使用することがある。例えば、投資家端末を特に区別しないで説明する場合には、「投資家端末101」と記載し、個々の投資家端末を区別して説明する場合には、「投資家端末101A」、「投資家端末101B」のように記載することがある。
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”.
また、以下の説明では、「計算機システム」は、1以上の物理的な計算機(例えば計算機のクラスタ)であってもよいし、少なくとも1つの仮想的な計算機(例えばVM(Virtual Machine))を含んでもよい。また、計算機システムが有する機能の全部又は一部(例えば、後述の投資支援サーバ103)は、1以上の物理コンピュータリソースを有するクラウドコンピューティングシステム上でコンピュータプログラムが実行されることにより発揮されてもよい。
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.
図1は、実施例1に係るシステム全体を示すブロック図である。
FIG. 1 is a block diagram illustrating the entire system according to the first embodiment.
投資支援サーバ103が構築される。投資支援サーバ103は、ファンドの運営者によって運営されてもよいし、ファンドの運営者とは異なる者によって運営されてもよい。投資支援サーバ103は、通信ネットワーク(例えば、インターネット)105を介して、複数の投資家端末101(101A、101B、…)、買付人端末117、及び、情報提供担当者端末115と通信する。
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.
投資家端末101A、101B、…は、投資家102A、102B、…がそれぞれ使用する情報処理端末である。「投資家」は、典型的には、投資支援サーバ103が提供するサービスの会員であるが、非会員であってもよい。また、「投資家」は、人間に限らずコンピュータ(例えばAI(Artificial Intelligence))でもよい。
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)).
買付人端末117は、買付人118が使用する情報処理端末である。「買付人」は、例えば、オークションなどに参加して資産を取得するために入札などの取引を行う者のうち、ファンドの運営者に係る者とすることができる。また、オークションなどの商取引を投資支援サーバ103が直接又は間接的に行うように構成してもよい。この場合に、投資支援サーバ103を買付人端末117としてもよいし、投資支援サーバ103によって直接又は間接的に制御される何れかの端末を買付人端末117としてもよい。
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.
情報提供担当者端末115は、情報提供担当者116が使用する情報処理端末である。「情報提供担当者」は、例えば、オークションなどの商取引の状況に関する情報を提供する担当者であり、買付人118と同様、ファンドの運営者に係る者とすることができる。また、オークションなどの商取引の状況に関する情報の提供を投資支援サーバ103が直接又は間接的に行うように構成してもよい。この場合に、投資支援サーバ103を情報提供端末115としてもよいし、投資支援サーバ103によって直接又は間接的に制御される何れかの端末を情報提供端末115としてもよい。
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.
投資家端末101、買付人端末117及び情報提供担当者端末115のいずれも、情報処理端末の種類は限定されない。情報処理端末として、ノートPC(laptop/Notebook computer/Personal Computer)、タブレットPC、スマートフォンなどの種々の端末を採用可能である。
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.
本実施例でのオークションでは、現実のオークション会場111が存在する。現実のオークション会場111には、オークションの対象として出品される商品が展示される出品エリア113がある。オークション会場111には、1台以上のカメラ125(例えば2台のカメラ125A及び125B)がある。カメラ125で撮影された映像を配信する映像配信サーバ121が存在する。配信される映像は、静止画でも動画でもよい。映像配信サーバ121から配信される映像は通信ネットワーク105を介して投資支援サーバ103に送られる。なお、オークション会場としては、例えば、図15に示すように、オークションのWeb上のページとして構成される仮想オークション会場2500が採用されてもよい。仮想オークション会場2500には、オークションの対象として出品される商品が表示される出品商品表示エリア2501があり、当該オークションに関する情報を配信するオークション情報配信サーバ2510が存在する。配信される情報はテキスト情報などの非映像情報であってもよいし、静止画や動画などの映像情報であってもよい。オークション情報配信サーバ2510から配信される情報(例えば仮想オークション会場2500)は、例えば、投資支援サーバ103経由又は非経由で、投資家端末101に送られてよい。
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.
投資支援サーバ103は、計算機システムの一例である。投資支援サーバ103は、投資家端末101、買付人端末117、情報提供担当者端末115及び映像配信サーバ121と、通信ネットワーク105経由で通信する。
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.
図2は、投資家端末101の構成を示すブロック図である。
FIG. 2 is a block diagram showing the configuration of the investor terminal 101.
投資家端末101は、入力デバイス200、表示デバイス201、I/F(通信インターフェースデバイス)204、メモリ202、及び、それらに接続されたプロセッサ203を有する。投資家端末101において、入力デバイス200、表示デバイス201及びI/F204がインターフェース部の一例である。メモリ202が、記憶部(メモリ部)の一例である。プロセッサ203が、プロセッサ部の一例である。
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.
入力デバイス200は、例えばキーボード及びマウスである。表示デバイス201は、例えば、液晶ディスプレイである。入力デバイス200及び表示デバイス201は、ユーザインターフェースデバイスの一例である。ユーザインターフェースデバイスは、入力デバイス200と表示デバイス201が一体になったタッチパネルであってもよい。
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.
メモリ202は、OS(Operating System)213、ブラウザ(典型的にはWebブラウザ)212、及びAPP(Application program)211といったプログラムを記憶する。プロセッサ203は、OS213、ブラウザ212およびAPP211といったプログラムを実行する。ブラウザ212及びAPP211のうちの少なくとも1つが、OS213上で動作し、I/F204経由で、投資支援サーバ103と通信する。ブラウザ212及びAPP211のうちの少なくとも1つが、投資支援サーバ103にデータを送信したり、投資支援サーバ103からデータを受信したり、受信したデータの少なくとも一部を表示デバイス201に表示したりする。
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.
図3は、買付人端末117の構成を示すブロック図である。
FIG. 3 is a block diagram showing the configuration of the buyer terminal 117.
買付人端末117は、入力デバイス300、表示デバイス301、I/F304、メモリ302、及び、それらに接続されたプロセッサ303を有する。
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.
入力デバイス300は、例えばキーボード及びマウスである。表示デバイス301は、例えば、液晶ディスプレイである。入力デバイス300及び表示デバイス301は、ユーザインターフェースデバイスの一例である。ユーザインターフェースデバイスは、入力デバイス300と表示デバイス301が一体になったタッチパネルであってもよい。
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.
メモリ302は、OS313、ブラウザ(典型的にはWebブラウザ)312、及びAPP311といったプログラムを記憶する。プロセッサ303は、OS313、ブラウザ312及びAPP311といったプログラムを実行する。ブラウザ312及びAPP311のうちの少なくとも1つが、OS313上で動作し、I/F304経由で、投資支援サーバ103と通信する。ブラウザ312及びAPP311のうちの少なくとも1つが、投資支援サーバ103にデータを送信したり、投資支援サーバ103からデータを受信したり、受信したデータの少なくとも一部を表示デバイス301に表示したりする。
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.
図4は、情報提供担当者端末115の構成を示すブロック図である。
FIG. 4 is a block diagram illustrating a configuration of the information providing person-in-charge terminal 115.
情報提供担当者端末115は、入力デバイス400、表示デバイス401、I/F404、メモリ402、及び、それらに接続されたプロセッサ403を有する。
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.
入力デバイス400は、例えばキーボード及びマウスである。表示デバイス401は、例えば、液晶ディスプレイである。入力デバイス400及び表示デバイス401は、ユーザインターフェースデバイスの一例である。ユーザインターフェースデバイスは、入力デバイス400と表示デバイス401が一体になったタッチパネルであってもよい。
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.
メモリ402は、OS413、ブラウザ(典型的にはWebブラウザ)412、及びAPP411といったプログラムを記憶する。プロセッサ403は、OS413、ブラウザ412及びAPP411といったプログラムを実行する。ブラウザ412及びAPP411のうちの少なくとも1つが、OS413上で動作し、I/F404経由で、投資支援サーバ103と通信する。ブラウザ412及びAPP411のうちの少なくとも1つが、投資支援サーバ103にデータを送信したり、投資支援サーバ103からデータを受信したり、受信したデータの少なくとも一部を表示デバイス401に表示したりする。
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.
図5は、投資支援サーバ103の構成を示すブロック図である。
FIG. 5 is a block diagram showing the configuration of the investment support server 103.
投資支援サーバ103は、I/F504、記憶デバイス群505、メモリ502及びそれらに接続されたプロセッサ503を有する。I/F504が、インターフェース部の一例である。投資支援サーバ103において、記憶デバイス群505及びメモリ502が、記憶部の一例である。メモリ502が、メモリ部の一例である。プロセッサ503が、プロセッサ部の一例である。
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.
記憶デバイス群505は、1以上の不揮発性の記憶デバイス(例えばHDD(Hard Disk Drive)又はSSD(Solid State Drive))などである。記憶デバイス群505が、投資家管理テーブル521及び投資対象候補管理テーブル522といったデータを記憶する。投資家管理テーブル521は、複数の投資家102に関する情報と各投資家102の投資状況に関する情報を含む情報を保持する。投資対象候補管理テーブル522は、複数の投資対象候補に関する情報を保持する。なお、投資家管理テーブル521は、投資家102の情報を保持し、投資家管理テーブル521とは別に投資対象に対する投資家の投資状況を示す情報を保持する投資状況管理テーブル(図示せず)を備えるように構成してもよい。また、「複数の投資対象候補」とは、オークションで流通する複数の取引対象の全部又は一部であって、複数の投資家102に対して選択可能とする対象である。「オークション」は、1以上の商取引(例えば運営者以外の者が提供する1以上の商取引)のうちの少なくとも1つの一例である。
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).
メモリ502が、一覧送信プログラム510、申込受付プログラム511、投資対象決定プログラム1912、入札上限算出プログラム512、結果送信プログラム513、オークション通知プログラム514、落札結果送信プログラム515、オークション状況管理プログラム516、口座管理プログラム517及びOS518といったプログラムを記憶する。プロセッサ503が、これらのプログラムを実行する。OS518上で、プログラム510~517が動作する。なお、一覧送信プログラム510、申込受付プログラム511、入札上限算出プログラム512、結果送信プログラム513、オークション通知プログラム514、落札結果送信プログラム515、オークション状況管理プログラム516、口座管理プログラム517、候補選択制御プログラム1913、及びOS518といったプログラムは記憶デバイス群505に記憶されるように構成してもよい。
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.
一覧送信プログラム510は(正確には、一覧送信プログラム510がプロセッサ503に実行されることにより発揮される機能が)、候補情報送信手段の一例である。一覧送信プログラム510は、投資対象候補の一覧(投資家が選択可能な複数の投資対象候補の情報である候補情報の一例)を投資家端末101に送信する。なお、一覧送信プログラム510は、単体の投資対象候補の情報を候補情報の少なくとも一部として投資家端末101に送信するように構成してもよい。
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.
申込受付プログラム511は、申込受付手段の一例である。申込受付プログラム511は、投資家端末101から申込を受け付ける。申込は、投資家を識別するための情報である投資家識別情報、投資家端末101に送信された候補情報に含まれる1以上の投資対象候補の選択を示す情報である選択候補情報、及び、当該1以上の投資対象候補に対する投資金額を示す情報である投資金額情報、を含む。申込受付プログラム511は、受け付けた申込を投資家管理テーブル521に登録する。
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.
投資対象決定プログラム1912は、投資対象決定手段の一例である。投資対象決定プログラム1912は、複数の投資家端末101から受け付けた複数の申込を基に、2以上の投資対象候補から1以上の投資対象を決定する。投資対象決定プログラム1912は、いずれの投資対象候補を投資対象として決定したかを、投資対象候補管理テーブル522に登録する。
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.
入札上限算出プログラム512は、取得上限算出手段の一例である。入札上限算出プログラム512は、複数の投資家端末101からの申込を基に、投資対象決定プログラム1912により決定された投資対象(資産(商品))の入札上限を算出する。入札上限算出プログラム512は、算出した入札上限を、投資対象候補管理テーブル522に登録する。
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.
結果送信プログラム513は、結果送信手段の一例である。結果送信プログラム513は、決定された投資対象について算出された入札上限を買付人端末117に送信する。また、結果送信プログラム513は、決定された投資対象を示す情報を含んだ結果情報を投資家端末102に送信する。結果情報は、算出された入札上限を示す情報を含んでもよい。
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.
オークション状況通知プログラム514は、オークション状況通知手段の一例である。オークション状況通知プログラム514は、投資対象に関するオークション状況を投資家端末101に通知する。投資対象について、通知先は、いずれの投資家端末101であってもよいし、当該投資対象としての投資対象候補を選択した投資家102の投資家端末101のみでもよい。なお、後述するように、本実施例では、オークション状況の通知は、オークション状況の中継である。オークション状況の中継については、後に詳述する。
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.
落札結果送信プログラム515は、落札結果送信手段の一例である。落札結果送信プログラム515は、投資対象の落札結果を投資家端末101に送信する。投資対象について、落札結果の送信先は、いずれの投資家端末101であってもよいし、当該投資対象としての投資対象候補を選択した投資家102の投資家端末101のみでもよい。
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.
オークション状況管理プログラム516は、オークション状況管理手段の一例である。オークション状況管理プログラム516は、オークションの状況に関する情報を情報提供担当者端末115から受けて投資対象候補管理テーブル522に登録する。オークション状況は、入札金額、落札成否及び落札金額のうちの少なくとも1つを含んでよい。なお、オークションの状況に関する情報は、情報提供担当者端末115に代えて又は加えて、情報提供担当者端末115以外の装置(例えば、オークションの主催者の情報処理端末)から受けてもよい。
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.
口座管理プログラム517は、口座管理手段の一例である。口座管理プログラム517は、例えば投資家管理テーブル521に登録されている投資家102に係る口座に関する情報の管理(例えば、口座の残高の更新)を行う。口座管理プログラム517は、後述するように、投資家102からの申込に従う投資金額の拘束及びその解除を実行することができる。
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.
候補選択制御プログラム1913は、複数の投資家のうちの少なくとも1の投資家について、先に選択した投資対象候補に係る情報を基に当該投資家の選択における投資対象候補の範囲及び投資金額とのうちの少なくとも1つを制御する。
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.
図6は、投資家管理テーブル521の構成を示す模式図である。
FIG. 6 is a schematic diagram showing the configuration of the investor management table 521.
投資家管理テーブル521は、選択された投資対象候補毎に、レコードを有する。各レコードは、投資家ID601、口座番号602、口座残高613、口座余力603、候補名/属性名604、選択優先順位614及び投資金額605といった情報を格納する。以下、1つの投資対象候補及び1の投資家(図6の説明において「注目投資対象候補」及び「注目投資家」と言う)を例に取る。
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.
投資家ID601は、注目投資家102を一意に識別する識別情報(ID)を表す。
The investor ID 601 represents identification information (ID) that uniquely identifies the noted investor 102.
口座番号602は、注目投資家102に係る口座を一意に識別する口座の番号を表す。
The account number 602 represents an account number that uniquely identifies an account related to the noted investor 102.
口座残高613は、投資家が投資可能な資金の上限金額である注目投資家102の口座における金額の残高を示す。
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.
口座余力603は、注目投資家102の口座の余力を表す。口座余力603は、口座残高613から投資金額612の総額を引いた値である(言い換えれば、口座残高613の内訳は、口座余力603と、投資金額612の総額である)。このため、投資金額612の少なくとも一部が取り消された場合、その分口座余力603が増えることになる。つまり、口座残高613≧口座余力603である。なお、それに代えて、例えば、投資家102の別の資産(例えば有価証券)に基づく金額が口座余力603に充当されてもよく、この場合、口座余力603が口座残高613を超えることがあってもよい。また、余力は、投資家に関連付けられていればよく、本実施例のように投資家102の口座に直接的に関連付けられている必要は無い。また、余力の単位は、金額に限らない。例えば、余力は、百分率で表現されてもよい。
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.
候補名/属性名604は、注目投資家102の投資家端末101から受け付けた申込に含まれる選択候補情報から特定される注目投資対象候補の情報に相当する。候補名/属性名604は、注目投資対象候補の名称と、注目投資対象候補の属性の名称とを表す。投資対象候補の属性については後述する。注目投資対象候補は、選択グループに属することも可能である。
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.
選択優先順位614は、注目投資家102にとって注目投資対象候補を投資対象とすることの優先順位である選択優先順位を示す。選択優先順位が高い程、注目投資家102にとっての投資対象として決定されやすい。選択優先順位は、注目投資家102によって手動で設定されてもよいし、申込受付プログラム511によって自動で決定されてもよい。選択優先順位の自動決定では、例えば、選択優先順位は、投資金額612の高さの順位と同じ順位、注目投資家102にとっての投資対象の属性の偏りに関するポリシー(例えば、投資対象の属性が属性aに偏ること又は異なる属性に均等に分散すること)に基づく順位、或いはそれらを総合的に考慮した順位でよい。図6に示すように、2以上の投資対象候補の選択優先順位を同じとすることもできる。
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.
投資金額612は、注目投資家102の投資家端末101から受け付けた申込に含まれる投資金額情報から特定された、注目投資対象候補についての投資金額を示す。投資金額612は、例えば投資口数と1口当たりの金額との積を表す。投資金額612の単位は金額のみで表現されることに限定されるものではなく例えば投資口数のみで表現されてもよい。
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.
投資家管理テーブル521が保持する情報は、図6に示した情報に限らない。すなわち、投資家管理テーブル521には、図6に示した情報のうちの一部が無くてもよいし、図6に示した情報に代えて又は加えて他種の情報があってもよい。
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.
なお、「申込」を受け付けたとき、本実施例では、その申込に従う投資金額は、口座余力603から引かれるが、口座残高613からは引かれない(つまり、資金移動が発生しない)。しかし、それに限らず、受け付けられた申込に従う投資金額は、口座余力603に代えて又は加えて、口座残高613から引かれてもよい(つまり、資金移動が発生してもよい)。
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).
また、図6に示すように、注目投資対象候補は、選択グループに属していることがある。言い換えれば、すなわち、注目投資家102が、2以上の投資対象候補(例えば、投資対象候補A, B及びC)を1つのグループとして、当該グループ(グループ1)に対して投資金額(3,000円)を設定することができる。同一の選択グループに属する2以上の投資対象候補にそれぞれ対応した2以上の選択優先順位は同一であってもよいし(図6のグループ1)、異なっていてもよい(図6のグループ2)。本実施例では、投資対象候補をグループで選択することが可能であるため、投資家102に対して、柔軟な投資方法が提供される。すなわち、「投資対象候補A、B及びCのいずれが投資対象になってもよいから3,000円の予算で投資をしたい」といった投資家102は、投資対象候補A、B及びCを1つのグループとし、そのグループに対して投資金額(3,000円)を設定すれば、希望通りの投資を行うことができる。
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.
図7は、投資対象候補管理テーブル522の構成を示す模式図である。
FIG. 7 is a schematic diagram showing the configuration of the investment target candidate management table 522.
投資対象候補管理テーブル522は、投資対象候補毎に、レコードを有する。各レコードは、候補名/属性名701、参考金額702、入札上限703、総投資金額704、募集上限705、決定優先順位711、入札開始時刻712、投資家数713、入札金額706、ステータス707及び落札金額708といった情報を格納する。本実施例では、入札上限703及び募集上限705のうちのいずれも、単位は、金額であるが、入札上限703及び募集上限705のうちの少なくとも1つについての単位は、金額とは異なる単位(例えば口数など)であってもよい。以下、1つの投資対象候補(図7の説明において「注目投資対象候補」と言う)を例に取る。
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.
候補名/属性名701は、注目投資対象候補の名称及び注目投資対象候補の属性の名称を表す。
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.
参考金額702は、注目投資対象候補についてオークションの主催者(オークションの主催者の一態様)が提示した金額を表す。
The reference amount 702 represents the amount presented by the auction organizer (one aspect of the auction organizer) for the target investment target.
入札上限703は、注目投資対象候補へ入札することができる金額の上限を表す。
The bid upper limit 703 represents the upper limit of the amount of money that can be bid on the target investment target candidate.
総投資金額704は、1以上の投資家端末101からそれぞれ受け付けられた1以上の申込に従う1以上の投資金額の合計を表す。
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.
募集上限705は、ファンドの購入を募集する金額の上限、言い換えれば、総投資金額704の上限を表す。
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.
入札金額706は、オークションにおいて注目投資対象候補に対して入札されている金額を表す。
The bid amount 706 represents the amount bid for the target investment target at the auction.
ステータス707は、オークションの進捗状況を表す。ステータス707として、例えば、“落札成功”、“落札不成立”、“入札中”、“入札開始前”などがあってよい。
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.
落札金額708は、注目投資対象候補が落札された金額を表す。
The winning bid amount 708 represents the amount for which the target investment target candidate has been awarded.
決定優先順位711は、注目投資対象候補を対象候補とすることの優先順位である決定優先順位を示す。なお、“決定”は、投資対象として決定されたことを意味し、“対象外”は、投資対象として決定されなかったことを意味する。また、決定優先順位711は、総投資金額、入札開始時刻及び投資家数のうちの少なくとも1つを基に決定されてよい。例えば、図7の例によれば、総投資金額が最も高い(又は入札開始時刻が最も早い)投資対象候補Xの決定優先順位が最も高い。また、例えば、投資対象候補A~Cは、総投資金額は同じであるが、投資家数は投資対象候補Aが最も多く、且つ、入札開始時刻も投資対象候補Aの最も早いため、投資対象候補Aの決定優先順位が最も高い。次に、投資対象候補B及びCCは、投資家数は同じであるが、入札開始時刻は投資対象候補Bの方が早いため、投資対象候補Bの決定優先順位の方が高い。
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.
入札開始時刻712は、注目投資対象候補の入札開始時刻(取引開始時刻の一例)を示す。
Bid start time 712 indicates the bid start time (an example of the transaction start time) of the target investment target candidate.
投資家数713は、注目投資対象候補を選択した投資家102の数を示す。
The number of investors 713 indicates the number of investors 102 who have selected a target investment target investment.
投資対象候補管理テーブル522に、投資対象数721が関連付けられていてよい。投資対象数721は、投資対象として選択可能な投資対象候補の数である投資対象数を示す。
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.
投資対象候補管理テーブル522が保持する情報は、図7に示した情報に限らない。すなわち、投資対象候補管理テーブル522には、図7に示した情報のうちの一部が無くてもよいし、図7に示した情報に代えて又は加えて他種の情報があってもよい。
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. .
以下、本実施例で行われる処理の流れを説明する。
Hereinafter, the flow of processing performed in this embodiment will be described.
前日フェーズと当日フェーズとに大別される。
大 Broadly divided into the previous day phase and the current day phase.
「前日」とは、オークション開催日の1日以上前の日である。「前日」とは、当該投資対象の第1の期限の一例であってもよいし、当該第1の期限までの時間の一部でもあってもよい。各投資対象について、「第1の期限」とは、当該投資対象の入札開始時刻又は当該入札開始時刻よりも前(例えば所定時間前)の時点のことである。
“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).
「当日」とは、オークション開催日である。オークション開催日は、投資対象候補管理テーブル522に登録されていてよい。「当日」とは、当該投資対象の第2期限の一例であってもよいし、当該第2の期限を含んでいてもよい。各投資対象について、「第2の期限」とは、当該投資対象の第1の期限よりも後の時点であって当該投資対象の落札時刻(入札終了時刻)よりも前の時点のことである。
“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.前日フェーズ
1. Previous day phase
図8は、前日フェーズにおいて行われる処理を示す模式図である。なお、複数の投資家端末101が存在するが、図8では、投資家102Aの投資家端末101Aを例に取り示す。
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:資金反映
S800: Fund reflection
口座管理プログラム517は、投資家102Aの申込に先立って受信した投資家ID(投資家102Aの投資家ID)に対応する指定された資金を示す情報に基づき、当該指定された資金を投資家102Aの口座の残高に反映する。投資家102Aの口座への資金反映は、1以上の方法のいずれの方法により行われてもよい。例えば、投資支援サーバ103が提供するポイントを一定数以上購入することで購入されたポイント数に見合った資金が口座の残高に反映されてもよいし、投資家102Aによって金融機関から投資支援サーバ103の運営会社へ振り込まれた資金が口座の残高に反映されてもよい。また、S800(資金反映)は、投資家102Aの申込に先だって行われればいつ行われてもよい。
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.
S801:一覧送信
S801: List transmission
一覧送信プログラム510が、投資対象候補一覧を投資家端末101Aに送信する。投資対象候補一覧の送信は、典型的には、投資家端末101Aからの要求に応答して行われる。また、投資対象候補一覧を、例えば、一覧送信プログラム510が、投資対象候補管理テーブル522を参照することにより生成する。送信された投資対象候補一覧が投資家端末101Aに表示される。図9に、投資対象候補一覧を含んだ前日申込画面900の一例を示す。図9に示すように、投資家端末101Aに表示される前日申込画面900は、口座情報901及び投資対象一覧902を表示する。
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.
口座情報901は、口座番号、口座残高、現在の口座余力及び申込後の口座余力を含む。「口座番号」は、投資家102Aの口座番号602が表す値である。「口座残高」は、投資化102Aの口座残高613が表す値である。「現在の口座余力」は、投資家102Aの口座余力603が表す値である。「申込後の口座余力」は、投資対象一覧902に入力した投資口数分の金額を現在の口座余力から引いた額である。なお、1口当たりの金額は、全ての投資対象に共通であってもよいし、投資対象によっては異なる金額であってもよい。
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.
投資対象候補一覧902は、投資対象候補毎に、候補名/属性名、募集上限、投資口数及び選択優先順位などに関しての表示又は入力受付のためのUI(ユーザインターフェース)を含む。
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.
「候補名/属性名」は、投資対象候補を一意に識別可能な候補名/属性名701が表す値である。図9に示す「候補名/属性名」の状態は、投資家102Aにより既にグループも構成された状態である。
“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.
「募集上限」は、投資対象候補の募集上限705が表す値である。
“Recruit upper limit” is a value represented by the upper limit 705 of candidates for investment.
「投資口数UI」は、投資口数の入力のためのUIである(図9は既に入力された状態を示す)。
“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).
「選択優先順位UI」は、選択優先順位の入力のためのUIである(図9は既に入力された状態を示す)。
“Selection priority UI” is a UI for inputting selection priority (FIG. 9 shows a state in which the selection priority is already input).
投資家102Aは、所望の投資対象候補に対応した投資口数UIに所望の投資口数を入力したり、所望の投資対象候補に対応した選択優先順位UIに所望の選択優先順位を入力したりすることができる。所望の投資対象候補についての投資口数の入力が、投資対象の選択と、投資金額の入力とを兼ねることができる。
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.
なお、一覧送信プログラム510は、投資家102Aからの要求に応答して、その要求で指定されている投資対象候補に関連付けられている詳細情報を取得し投資家端末103Aに送信(表示)してもよい。
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.
「S800:資金反映」及び「S801:一覧送信」の各々は、投資家102A以外の各投資家102についても行われ、結果として、後述の「S802:申込受付」が、投資家102A以外の1以上の投資家102によって先に行われることがある。候補選択制御プログラム1913は、投資家102Aについて、他の投資家により先に選択された投資対象候補に係る情報を基に、「S802:申込受付」について投資家102Aの選択における投資対象候補の範囲及び投資金額とのうちの少なくとも1つを制御する。図9に示す画面900を通じて投資家102Aが選択可能なる投資対象候補の範囲及び設定可能な投資金額は、候補選択制御プログラム1913により制御された範囲及び金額であるとする。また、候補選択制御プログラム1913は、投資家102Aによって選択された投資対象候補に係る情報を基に、「S802:申込受付」について投資家102Aの選択における投資対象候補の範囲及び投資金額とのうちの少なくとも1つを制御するように構成してもよい。
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:申込受付
S802: Application acceptance
投資家102Aは、投資家端末101Aを用いて投資対象候補一覧から投資対象候補を選択し、且つ、選択したその投資対象候補について投資金額(投資口数)及び選択優先順位を決定する。投資家端末101Aは、申込を投資支援サーバ103に送信する。申込は、投資家102Aの投資家IDと、選択した投資対象候補の情報(選択優先順位を含む)と、選択したその投資対象候補の投資金額の情報とを含む。申込受付プログラム511は、投資家端末101Aから申込を受け付ける。例えば、図9に示した前日申込画面900上の実行ボタン903の押下に応じて、投資対象候補の選択とその投資対象候補に対する投資金額及び選択優先順位とを含んだ申込が通信ネットワーク105を介して投資家端末101Aから投資支援サーバ103に送信され、当該投資支援サーバ103において当該申込が受け付けられる。申込受付プログラム511は、受け付けた申込から特定された投資家102Aのレコードに、その申込に含まれる選択候補情報及び投資金額情報を、候補名/属性名604、選択優先順位614及び投資金額612として投資家管理テーブル521に登録する。また、申込受付プログラム511から呼び出された口座管理プログラム517は、受け付けた申込に従う投資金額を、投資家102Aに対応した口座余力603から引く。すなわち、当該投資金額が投資家102Aによって他の用途に使用されないようその投資家102Aの口座余力603から引く(つまり、口座残高613から拘束する)ことによって投資金額の拘束が実行される。また、申込受付プログラム511は、選択された投資対象候補毎に、その投資対象候補の投資金額を、その投資対象候補について投資対象候補管理テーブル522に登録されている総投資金額704に加算する。これにより、総投資金額704が更新される。また、また、申込受付プログラム511は、選択された投資対象候補毎に、その投資対象候補の投資家数713を1加算する。これにより、投資家数713が更新される。
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.
なお、投資対象候補について更新後の総投資金額704が募集上限705を超えた場合、募集上限705がファンドの運営者により更新されてもよいし(引き上げられてもよいし)、申込受付プログラム511がその投資対象候補について申込の受け付けを締め切ってもよい。総投資金額704が募集上限705を超えた投資対象について申込の受け付けを締め切ることで、投資効率の低下(投資対象候補を高すぎる金額で落札すること)を回避することが期待できる。
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).
また、投資対象候補について更新後の総投資金額704が募集上限705を超えた場合、募集上限705が投資支援サーバ103に記憶されている情報に基づいて更新されるように構成してもよい。
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.
また、投資対象候補について更新後の総投資金額704が募集上限705を超えた場合、申込受付プログラム511は、募集上限705を引き上げることと、当該投資対象候補について申込の受け付けを締め切ることとのいずれを実行するかを、所定の情報に基づいて選択してよい。例えば、「所定の情報」は、募集上限705の最大値と、当該投資対象となる資産に類似する資産の過去の取引情報(例えば、落札金額)とのうちの少なくとも1つを含んでよい。募集上限705の初期値は、初期の段階での最適値(例えば、資産(商品)の参考金額と、当該資産をファンドとして組成するにあたり見積られたコストとに基づいて決定された金額)と考えられる。これにより、初期の段階では、当該投資対象候補に投資金額が集中することの回避、別の言い方をすれば、当該投資対象候補以外の投資対象候補に投資金額が分散することが期待できる。投資対象候補について総投資金額704が募集上限705を超えた場合、申込受付プログラム511は、当該募集上限705を引き上げることを上記所定の情報が表していれば(例えば、当該募集上限705が募集上限705の最大値未満である、又は、過去の取引情報から推定される落札金額が当該募集上限705より高い)、当該募集上限705を引き上げる。これにより、当該投資対象候補の落札成功の可能性が高まる。また、投資家102の参入余地が広がる。一方、投資対象候補について総投資金額704が募集上限705を超えた場合、申込受付プログラム511は、当該投資対象候補について申込の受け付けを締め切ることを上記所定の情報が表していれば(例えば、当該募集上限705が募集上限705の最大値である、又は、過去の取引情報から推定される落札金額が当該募集上限705である)、当該投資対象候補について申込の受け付けを締め切る。これにより、投資効率の低下を回避することが期待できる。
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.
また、投資対象候補について更新後の総投資金額704が募集上限705を超えた場合、募集上限705の引き上げがされることなく、申込の受け付けが継続されてもよい。この場合、申込をそれぞれ行った複数の投資家102のうち、少なくとも一部の投資家102については、抽選が行われてもよい。落選した投資家102には、その投資家102から受け付けられた申込に従う投資金額はその投資家102の口座余力603に戻されてもよい。
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:投資対象の決定
S803: Determination of investment targets
投資対象決定プログラム1912が、投資家端末101Aを含む複数の投資家端末101から受け付けた複数の申込により特定される2以上の投資対象候補から、その複数の申込を基に(例えば、それら2以上の投資対象候補の選択優先順位と、投資金額と投資家数とのうちの少なくとも1つとを基に)、1以上の投資対象を決定する。
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:入札上限の算出
S804: Calculation of upper bid limit
入札上限算出プログラム512は、S803で決定された投資対象に対応する総投資金額704を投資対象候補管理テーブル522から取得する。入札上限算出プログラム512は、当該総投資金額704を基に、当該投資対象についての入札上限を算出する。入札上限算出プログラム512は、当該投資対象について、算出した入札上限を、入札上限703として投資対象候補管理テーブル522に登録する。当該投資対象の入札上限は、当該投資対象に対応した総投資金額704と同額であってもよいし、総投資金額704から当該投資対象への投資に付随して発生するコスト(例えば、ファンド組成に必要なコスト)を減じた額でもよい。また、算出された入札上限は、総投資金額704と投資支援サーバ103において過去に投資をした資産の収益などに基づいて設定された額であってもよい。
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:結果の送信
S805: Sending the result
結果送信プログラム513が、S803で決定された投資対象を示す情報を含んだ結果情報を投資家端末101Aに送信する。また、結果送信プログラム513は、決定された投資対象についてS804で算出された入札上限を買付人端末117に送信してもよい。
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.
以上のように、前日フェーズでは、オークション開催日の前日において受け付けた申込に基づいて、当該申込から特定される2以上の投資対象候補から1以上の投資対象を決定し、決定された投資対象毎に、入札上限を算出することができる。
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.当日フェーズ
2. Same-day phase
図10は、当日フェーズにおいて行われる処理を示す模式図である。なお、複数の投資家端末101Aが存在するが、図10では、図8と同様、投資家102Aの投資家端末101Aを例に取り示す。
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.
当日フェーズは、投資対象毎に、入札開始前フェーズ、入札中フェーズ及び落札後フェーズの3つに大別できる。なお、この段落で言う「投資対象」とは、前日フェーズで決定された投資対象である。また、商取引の形態がオークションではない場合には、入札開始前とは販売開始前のことであり、入札中とは販売期間内のことであり、落札後とは購入後のことである。
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.入札開始前フェーズ
2-1. Pre-bidding phase
「入札開始前」とは、入札が開始される時刻(又は入札が開始される時刻から一定時間前の時刻)よりも前の時点を意味し、入札開始前フェーズの終了時刻は、第1の期限の一例でよく、具体的には、例えば、入札中フェーズが始まる時点である入札が開始される時刻(又は入札が開始される時刻から一定時間前の時刻)である。また、投資対象毎に、入札開始前フェーズの終了時刻(例えば入札開始時刻)が、投資対象候補管理テーブル522に登録されていてもよい。
“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.
一覧送信プログラム510が、前日フェーズでの処理結果に基づく投資対象候補一覧を投資家端末101Aに送信できる。当該投資対象候補一覧は、いずれの投資対象候補が前日フェーズにおいて投資対象として決定されたかを示す情報を含んでよい。具体的には、例えば、一覧送信プログラム510により、投資家102Aに対応したレコード上の情報が投資家管理テーブル521から取得され、取得された情報を基に投資対象候補一覧が生成される。生成された投資対象候補一覧が投資家端末101Aに送信されて投資家端末101Aの表示デバイス201に表示される。図11に、投資対象候補一覧を含んだ当日申込画面の一例を示す。投資家端末101Aに表示される当日申込画面1100の構成は、前日申込画面900の構成と同様でよい。すなわち、図11に示すように、当日申込画面1100は、口座情報1101及び投資対象候補一覧1102を表示する。投資家102Aは、当日申込画面1100から、投資家102Aの口座残高と口座余力と投資状況とを確認できる。投資家102Aは、投資対象候補一覧1102から、前日フェーズにおいて選択した投資対象候補のうちのいずれが投資対象として決定されたかを知ることができる。投資家102Aは、所望の投資対象に対応した投資口数UIを用いて、その投資対象について投資口数を増やし(又は減らし)、実行ボタン1103を押下することができる。言い換えれば、投資家102Aは、当日に追加の申込をする(又は申込の少なくとも一部を取り消す)ことができる。この操作に応答して、総投資金額704が申込受付プログラム511によって更新され、投資家102Aの口座余力603が口座管理プログラム517によって更新され、入札上限703が入札上限算出プログラム512によって更新される。
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.
なお、候補選択制御プログラム1913は、投資家102Aについて、先に選択された投資対象候補に係る情報を基に、「2-1.入札開始前フェーズ」について投資家102Aの選択における投資対象候補の範囲及び投資金額とのうちの少なくとも1つを制御する。ここでの「先に選択された投資対象候補」は、投資家102A以外の投資家によって選択され投資対象候補に加えて、前日フェーズにおいて投資家102Aが選択した投資対象候補を含んでもよい。図11に示した画面1100を通じて投資家102Aが選択可能なる投資対象候補の範囲及び設定可能な投資金額は、候補選択制御プログラム1913により制御された範囲及び金額であるとする。
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.入札中フェーズ
2-2. Bidding phase
「入札中」とは、入札が開始される時刻から落札される時刻又は予め設定された入札終了時刻までの時点を意味する。投資支援サーバ103が認識する現在時刻が入札開始時刻に達した場合にフェーズが「入札中」であると投資支援サーバ103に認識されてよい。なお、予め設定された入札終了時刻は入札の状況に応じて延長されるように構成してもよい。また、入札終了時刻は予め設定されていなくてもよく、例えば、落札した時刻が入札終了時刻であってもよい。
“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:入札上限の送信
S1000: Send bid limit
結果送信プログラム513は、投資対象について投資対象候補管理テーブル522に登録されている入札上限703が表す値を入札上限として買付人端末117に送信する。送信された入札上限は買付人端末117の表示デバイス301に表示される。これにより、買付人118は、入札中フェーズにおいて入札上限を知ることができる。入札上限は、複数の投資家102Aからの申込、つまり、複数の投資家102の需要、に基づいて決定された額である。買付人118は、そのような入札上限に基づいて(例えばその入札上限の範囲で)、投資対象に対して入札をすることができる。
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).
なお、S1000は、前日フェーズにおいて行われてもよいし、入札開始前フェーズにおいて行われてもよい。
Note that S1000 may be performed in the previous day phase or may be performed in the pre-bidding phase.
S1001:状況受付
S1001: Status reception
オークション状況管理プログラム516は、情報提供担当者端末115から、オークションなどのオークションの状況に関する情報を受け付け、オークション状況を投資対象候補管理テーブル522に登録する。入札中フェーズにおいて、オークション状況は、入札金額を含む。入札金額が更新された場合、情報提供担当者116が更新後の入札金額を入力し、その入力された入札金額が、情報提供者端末115からオークション状況管理プログラム516を通じて投資対象候補管理テーブル522に入札金額706として登録される。
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:オークション中継
S1002: Auction relay
投資支援サーバ103は、映像配信サーバ121から映像を取得する。映像配信サーバ121から取得される映像は、カメラで撮影された映像(オークションの様子などを撮影した映像)それ自体、又は、その映像の加工後の映像である。
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.
オークション通知プログラム514は、投資家端末101Aに、オークションの状況を中継する。オークション状況の中継とは、上述したように、オークション状況の通知の一例である。オークション状況の中継とは、例えば、映像配信サーバ121からの映像に基づく映像(映像配信サーバ121からの映像それ自体またはその映像の加工後の映像)の配信と、投資対象候補管理テーブル522に登録されている入札金額の配信とを含むことができる。図12に、投資家端末101Aに表示されるオークション中継画面1200の一例を示す。オークション中継画面1200は、例えば、口座情報1201、オークション映像1202、入札状況情報1203、及び、金額変更UI1204を表示する。
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.
口座情報1201は、前日申込画面900及び当日申込画面1100と同様、口座番号、口座残高、現在の口座余力及び申込後の口座余力を含む。
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.
オークション映像1202は、映像配信サーバ121から取得した映像である。
The auction video 1202 is a video acquired from the video distribution server 121.
入札状況情報1203は、入札状況を表す情報であり、例えば、現在の出品対象(当該対象の対象名701を表す情報)、現在の入札金額(当該対象の入札金額706を表す値)、及び、参考金額(当該対象の参考金額702を表す値)を含む。つまり、入札状況情報1203は、投資対象候補管理テーブル522から得られた情報に基づいた情報である。なお、少なくとも参考金額の表示は無くてもよい(これは図13及び図14についても同様である)。また、投資対象候補管理テーブル522(図7)に参考金額702が無くてもよい。
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).
金額変更UI1204は、投資家102Aから投資金額の変更を受け付けるためのUIである。投資家102Aは、オークション中継を見ながら新規に又は追加で、金額変更UI1204を用いて、オークションのステータスが入札中である投資対象(以下、入札中投資対象)に対して投資金額の変更をすることができる。金額変更UI1204は、例えば、投資対象(その対象の対象名701を表す情報)、募集上限(その対象の募集上限705を表す値)、及び、入札中の投資対象について投資口数UIを含む。投資家102Aは、投資口数UIを用いて、その投資対象に対する投資口数を増やせる。なお、投資口数を減らすこと(つまり申込604の少なくとも一部を取り消すこと)が可能であってもよい。
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:金額変更の受付
S1003: Acceptance of price changes
投資家102A(典型的には、オークション中継を見ている投資家102A)から、入札中投資対象について、申込受付プログラム511が、投資金額の変更を受け付けることができる。金額変更を受け付けた場合(例えば、図12に示したオークション中継画面1200において、投資口数の変更後に実行ボタン1205が押下された場合)、申込受付プログラム511は、その金額変更を基に、投資家102Aに対応した投資金額612を更新したり、入札中投資対象に対応した総投資金額704を更新したりする。申込受付プログラム511から呼び出された口座管理プログラム517は、投資家102Aの口座余力603を更新する。
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:入札上限の更新
S1004: Update bid limit
入札中投資対象について金額変更の受け付けがあった場合(言い換えれば、総投資金額704が更新された場合)、入札上限算出プログラム512は、入札中投資対象に対応した入札上限703を、更新後の総投資金額704に基づいて更新する。
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:入札上限の送信
S1005: Send bid limit
入札中投資対象について入札上限703が更新された場合、結果送信プログラム513は、更新後の入札上限703を買付人端末117に送信する。買付人118は、その更新後の入札上限703の範囲で、投資対象に対して入札をすることができる。
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.落札後フェーズ
2-3. Phase after a successful bid
S1006:状況受付
S1006: Status reception
オークション状況管理プログラム516は、情報提供担当者端末115から、落札成否(“落札成功”又は“落札不成立”)と落札金額とを含んだオークション状況を受け付ける。オークション状況管理プログラム516は、そのオークション状況を基に、オークションが終了した投資対象についてそれぞれ対応したステータス707に更新し、且つ、その投資対象に対応した落札金額708を投資対象候補管理テーブル522に登録する。
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.
なお、落札成否及び落札金額は、情報提供担当者端末115に代えて買付人端末117から投資支援サーバ103に入力されてもよい。
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:落札結果の送信
S1007: Send successful bid result
落札結果送信プログラム515は、オークションが終了した投資対象について、落札結果を投資家端末101Aに送信する。落札結果は、その投資対象に対応したステータス(“落札成功”又は“落札不成立”)と落札金額とを含む。落札成功の場合に、落札された投資対象がファンドとして組成されてよい。
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.
図13に、落札成功の場合に投資家端末101Aに表示される落札結果画面の一例を示す。落札結果画面1300Aは、落札結果情報1301A及び口座情報1302Aを表示してよい。落札結果情報1301Aは、落札成否(オークションが終了した投資対象のステータス707が表す情報、例えば“成功”など)、落札金額(オークションが終了した投資対象の落札金額708が表す値)、参考金額(オークションが終了した投資対象の参考金額702が表す値)、及び、あなたの投資金額(投資家102A及び当該投資家が選択した投資対象に対応した投資金額612が表す値)を含んでよい。口座情報1302Aは、口座番号、口座残高及び現在の口座余力を含んでよい。
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.
落札成功の場合、口座管理プログラム517が、投資家102Aの口座残高613から投資金額を引く。落札成功の場合、申込に従うファンド持分が、その申込を出した投資家102に提供される。つまり、投資家102は、申込に従うファンド持分を取得する。
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.
なお、落札成功の場合、入札上限703に対して落札金額708の方が小さい場合に、口座管理プログラム517は、投資家102Aの投資金額612の一部、例えば、投資上限と落札金額の差額を複数の投資家102の投資金額612に応じて按分した額を、その投資家102Aの口座(口座残高613)に戻してもよい。これにより、入札上限703より低額で落札に成功したメリットを投資家102Aに還元することができる。なお、「投資上限」とは、投資対象となる資産(商品)の金額の上限、言い換えれば、当該投資対象をファンドとして組成するのに必要なコストなどの費用を募集上限705から引いた額である。
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.
また、口座管理プログラム517は、落札成功の投資対象に対する投資金額612の取消の要求を投資家端末101Aから受け付け、その要求に応答してその投資金額612の全部又は一部を投資家102Aの口座(口座残高613)に戻してもよい。すなわち、投資家102Aに対して、落札金額708を見て投資を取り消す機会が与えられてもよい。なお、このような取り消しは、所定の条件が満たされる範囲、例えば、入札上限703が落札金額708以上の範囲で、可能であってもよい。
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.
図14に、落札不成立の場合に投資家端末101Aに表示される落札結果画面の一例を示す。落札不成立の場合の落札結果画面1300Bも落札結果情報1301B及び口座情報1302Bを表示してよい。落札結果画面1300Bが落札結果画面1300Aと異なる点は、例えば次の点でよい。すなわち、落札成否は“不成立”を表す。また、口座管理プログラム517が、投資金額拘束を解除してよい、すなわち、落札不成立の投資対象に対する投資金額612を投資家102Aの口座余力603に加算してよい。これにより、投資家102Aは、戻った金額(解除された金額)を、後に出品予定の投資対象に対して投資することができる。
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.
以上が、本実施例の説明である。
The above is the description of this embodiment.
以下、実施例1を総括する。なお、総括の記載は、上述の説明の一部についての詳細な説明、及び、上述の説明に無い事項についての詳細な説明を含んでもよい。
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.
第1の観点によれば、計算機システム(例えば、投資支援サーバ103)は、候補情報送信手段(例えば一覧送信プログラム510)、申込受付手段(例えば、申込受付プログラム511)及び投資対象決定手段(例えば、投資対象決定プログラム1912)を備える。
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).
候補情報送信手段は、投資家が選択可能な複数の投資対象候補の情報である候補情報を複数の投資家の投資家端末にそれぞれ送信する。
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.
申込受付手段は、複数の投資家端末の各々から、以下の情報を含んだ申込を受け付ける。
・投資家を識別するための情報である投資家識別情報、
・当該投資家端末に送信された候補情報に含まれる1以上の投資対象候補の選択を示す情報である選択候補情報、及び、
・当該1以上の投資対象候補に対する投資金額(選択された投資対象候補毎の投資金額と、選択された1以上の投資対象候補の投資金額の合計金額とのいずれでもよい)を示す情報である投資金額情報。 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.
・投資家を識別するための情報である投資家識別情報、
・当該投資家端末に送信された候補情報に含まれる1以上の投資対象候補の選択を示す情報である選択候補情報、及び、
・当該1以上の投資対象候補に対する投資金額(選択された投資対象候補毎の投資金額と、選択された1以上の投資対象候補の投資金額の合計金額とのいずれでもよい)を示す情報である投資金額情報。 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.
投資対象決定手段は、複数の投資家端末から受け付けた複数の申込を基に、2以上の投資対象候補から1以上の投資対象を決定する。
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.
投資対象として決定される投資対象候補の数に制限はなくてもよい。また、投資対象を決定するタイミングに制限はなくてもよい。
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.
第1の観点によれば、投資家が投資対象を直接的に選択するのではなく、複数の投資家により選択された2以上の投資対象候補の中から投資対象決定手段により1以上の投資対象が決定される。これにより、複数の投資家からの複数の申込の全体の状況を基に柔軟に投資対象を決定することができる。例えば、複数の投資家からの選択や投資金額が分散してしまっていずれの投資対象候補についても十分な総投資金額又は投資家数が得られないような場合でも、総投資金額又は投資家数を許容範囲内で付け替えて投資対象を決定することができる。このため、例えば、投資家Aから投資対象候補P及びQの申込を受け付けた時点で投資対象候補P及びQの投資金額を投資家Aの口座から拘束するようになっている場合、投資対象候補Pの総投資金額が十分でなくても、投資対象決定手段が投資対象候補Pの投資金額を投資対象候補Qの総投資金額に付け替えることで投資対象候補Qを投資対象として決定した場合、投資対象候補Pの投資金額について拘束を解除するといった処理を不要にすることも期待できる。
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.
第1の観点の具体例は、例えば下記の通りである。
Specific examples of the first viewpoint are as follows, for example.
(処理1)候補情報送信手段が、投資対象候補A-Jという10個の投資対象候補の情報を投資家1-100といった100人の投資家の投資家端末に送信する。投資対象候補数=10は、投資対象候補数Tの一例である。投資家数=100は、投資家数Uの一例である。
(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.
(処理2)申込受付手段が、投資家1-100の投資家端末の各々から、投資対象候補の選択と投資対象候補に対する投資金額とを含んだ申込を受け付ける。受け付けた複数の申込(具体的には100個の申込)の具体例は、下記の通りである。計算機システムは、記憶手段(例えば記憶デバイス群505)を有していて、投資家1-100の投資家端末から受けた申込に従う下記データが、記憶手段に蓄積される。後述の(処理3)は、下記データを基に行われる。
・投資対象候補A:選択した投資家数=30人、総投資金額=3,000万円
・投資対象候補B:選択した投資家数=15人、総投資金額=1,800万円
・投資対象候補C:選択した投資家数=20人、総投資金額=4,000万円
・投資対象候補E:選択した投資家数=12人、総投資金額=1,920万円
・投資対象候補F:選択した投資家数=18人、総投資金額=4,500万円
・投資対象候補J:選択した投資家数=5人、総投資金額=5,000万円
・投資対象候補D,G,H,Iは、誰からも選択されなかった。 (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.
・投資対象候補A:選択した投資家数=30人、総投資金額=3,000万円
・投資対象候補B:選択した投資家数=15人、総投資金額=1,800万円
・投資対象候補C:選択した投資家数=20人、総投資金額=4,000万円
・投資対象候補E:選択した投資家数=12人、総投資金額=1,920万円
・投資対象候補F:選択した投資家数=18人、総投資金額=4,500万円
・投資対象候補J:選択した投資家数=5人、総投資金額=5,000万円
・投資対象候補D,G,H,Iは、誰からも選択されなかった。 (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.
(処理3)投資対象決定手段が、受け付けた複数の申込を基に、2以上の投資対象候補(複数の投資対象候補A-Jのうち、選択されたと特定された2以上の投資対象候補)A, B, C, E, F及びJから、1以上の投資対象を決定する。投資対象決定の具体例<ケース1>~<ケース4>は、下記の通りである。なお、以下の説明では、説明の理解を容易にするために、「投資金額」と「投資家数」とで場合分けして説明し、故に、後述の付け替え処理も、「投資金額」と「投資家数」とで場合分けして説明する。しかし、実際には、投資金額の付け替えに伴い投資家数も付け替えられてもよいし(例えば或る投資家の投資金額分が付け替えられたら投資家数が付け替えられてもよいし)、投資家数の付け替えに伴い投資金額も付け替えられてもよい(例えば或る投資家が付け替えられたら当該投資家の投資金額が付け替えられてもよい)。例えば、投資対象決定手段は、投資金額と投資家数の少なくとも1つに基づいて投資対象を決定することができるようになっている。
(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.
<ケース1>投資対象の決定のポリシーが例えば「総投資金額」であり、次点の考慮(例えば、投資対象として選ばれなかった投資対象候補に対する投資金額の少なくとも一部を別の投資対象候補に対する投資金額に反映する必要性)が無く、投資対象数が例えば所定値「3」の場合。なお、投資対象数=3は、投資対象数Vの一例である。
<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.
投資対象決定手段が、総投資金額が高い上位3つの投資対象候補J,F,Cを投資対象として決定する。
Investment target determination means determines the top three investment target candidates J, F, and C with the highest total investment amount as investment targets.
<ケース2>投資対象の決定のポリシーが例えば「投資家数」であり、次点の考慮が無く、投資対象数が例えば所定値「3」の場合
<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”
投資対象決定手段が、投資家数が多い上位3つの投資対象候補A,C,Fを投資対象として決定する。
Investment target determination means determines the top three investment target candidates A, C, and F with the largest number of investors as investment targets.
以上が、<ケース1>及び<ケース2>である。<ケース1>及び<ケース2>のいずれも、次点の考慮が無いため、付け替え処理が発生しない。
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.
一方、後述の<ケース3>及び<ケース4>は、次点の考慮があるため、付け替え処理が発生する。例えば、前提として、少なくとも1の投資家からの申込が、当該投資家により選択された複数の投資対象候補の各々について設定された選択優先順位を示す情報を含む。投資対象決定手段は、投資家毎に、当該投資家を、当該投資家が設定した選択優先順位が一番高い投資対象候補に対応付ける。そして、投資対象決定手段は、適宜、付け替え処理を行う。付け替え処理は、投資対象として決定する条件を満たしていない投資対象候補に対応する投資家について、当該投資家が設定した選択優先順位が次点(次の順位)である投資対象候補に、当該投資家の投資金額、及び、当該投資家分の投資家数(「1」)、のうちの少なくとも1つを付け替える処理である。すなわち、「次点の考慮がある」とは、或る投資対象候補が投資対象として決定されなかった場合に当該投資対象候補の選択優先順位の次点の(次に低い)選択優先順位の投資対象候補が存在することを意味する。
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.
付け替え処理の具体例は、下記の通りである。なお、下記の記載において、「B>A」は、投資対象候補Bの次点が投資対象候補Aである(投資対象候補Aの選択優先順位が、投資対象候補Bの選択優先順位より1つ低い順位である)ことを意味する。
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).
投資家69からの申込が、「B>A」及び「投資金額:100万円」を示しているとする。投資対象候補Bが投資対象として決定する条件を満たしていない場合(例えば投資対象候補Bの総投資金額が規定金額に達しない)、投資家69について投資対象候補Bの次点が投資対象候補Aであるため、投資対象決定手段は、投資対象候補Bに対応付けられていた投資金額100万円を、次点の投資対象候補Aに対応する投資金額として付け替える。
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.
投資家70からの申込が、「B>F」及び「投資金額:50万円」を示しているとする。投資対象候補Bが投資対象として決定する条件を満たしていない場合、投資家70について投資対象候補Bの次点が投資対象候補Fであるため、投資対象決定手段は、投資対象候補Bに対応付けられていた投資金額50万円を、次点の投資対象候補Fに対応する投資金額として付け替える。
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.
このような付け替え処理が、投資対象候補Bの選択優先順位を最上位にしている全ての投資家について行われると、投資対象候補Bから投資対象候補A及びFに投資金額が付け替えられる。例えば、付け替え処理の前と後の一例は、下記の通りとなる。
<<付け替え処理前>>
・「B>A」の投資家が15人
・「B>C」の投資家が0人
・「B>D」の投資家が0人
・「B>E」の投資家が0人
・「B>F」の投資家が10人
・「B>G」の投資家が0人
・「B>H」の投資家が0人
・「B>I」の投資家が0人
・「B>J」の投資家が0人
<<付け替え処理後>>
・「B>A」の投資家が15人の投資金額の合計が1200万円であれば、1200万円が、投資対象候補Aの総投資金額に加算される。
・「B>A」の投資家が10人の投資金額の合計が600万円であれば、600万円が、投資対象候補Fの総投資金額に加算される。 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.
<<付け替え処理前>>
・「B>A」の投資家が15人
・「B>C」の投資家が0人
・「B>D」の投資家が0人
・「B>E」の投資家が0人
・「B>F」の投資家が10人
・「B>G」の投資家が0人
・「B>H」の投資家が0人
・「B>I」の投資家が0人
・「B>J」の投資家が0人
<<付け替え処理後>>
・「B>A」の投資家が15人の投資金額の合計が1200万円であれば、1200万円が、投資対象候補Aの総投資金額に加算される。
・「B>A」の投資家が10人の投資金額の合計が600万円であれば、600万円が、投資対象候補Fの総投資金額に加算される。 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.
<ケース3>投資対象の決定のポリシーが例えば「総投資金額」であり、次点の考慮があり、投資対象数が例えば所定値「3」の場合
<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”
投資対象決定手段が、例えば以下の処理を行う。
Investment target determination means performs the following processing, for example.
(S3-1)投資対象決定手段が、最も総投資金額が少ない投資対象候補Bを選択した投資家の投資金額を、各投資家の次点に選択した投資対象候補(付け替え対象となる投資対象候補Bに対応する投資家が予め設定した選択優先順位が次点である投資対象候補)の投資金額に付け替える。結果として、総投資金額は、下記のように変更される。なお、下記は、付け替え処理の具体例と同様である。
・投資対象候補Bの総投資金額1,800万円のうち、1,200万円が、投資対象候補Aに付け替えられ、600万円が、投資対象候補Fに付け替えられる。
・故に、投資対象候補Aの総投資金額は、3,000万円から4,200万円に変わる。
・同様に、投資対象候補Fの総投資金額は、4,500万円から5,100万円に変わる。 (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.
・投資対象候補Bの総投資金額1,800万円のうち、1,200万円が、投資対象候補Aに付け替えられ、600万円が、投資対象候補Fに付け替えられる。
・故に、投資対象候補Aの総投資金額は、3,000万円から4,200万円に変わる。
・同様に、投資対象候補Fの総投資金額は、4,500万円から5,100万円に変わる。 (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)投資対象決定手段が、(S3-1)で付替後に最も総投資金額が少ない投資対象候補Eを選択した投資家の投資金額を、各投資家の次点に選択した投資対象候補に付け替える。結果として、総投資金額は、下記のように変更される。
・投資対象候補Eの総投資金額1,920万円のうち、1,000万円が投資対象候補Aに付け替えられ、600万円が、投資対象候補Cに付け替えられ、320万円が、投資対象候補Fに付け替えられる。
・故に、投資対象候補Aの総投資金額は、4,200万円から5,200万円に変わる。
・また、投資対象候補Cの総投資金額は、4,000万円から4,600万円に変わる。
・また、投資対象候補Fの総投資金額は、5,100万円から5,420万円に変わる。 (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.
・投資対象候補Eの総投資金額1,920万円のうち、1,000万円が投資対象候補Aに付け替えられ、600万円が、投資対象候補Cに付け替えられ、320万円が、投資対象候補Fに付け替えられる。
・故に、投資対象候補Aの総投資金額は、4,200万円から5,200万円に変わる。
・また、投資対象候補Cの総投資金額は、4,000万円から4,600万円に変わる。
・また、投資対象候補Fの総投資金額は、5,100万円から5,420万円に変わる。 (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)投資対象決定手段が、(S3-2)で付替後に最も投資金額の総額が少ない投資対象候補Cを選択した投資家の投資金額を各投資家の次点に選択した投資対象候補に付け替える。結果として、総投資金額は、下記のように変更される。
・投資対象候補Cの総投資金額4,600万円のうち、2,000万円が投資対象候補Aに付け替えられ、1,000万円が投資対象候補Fに付け替えられる。1,600万円分は次点なしとなる。
・故に、投資対象候補Aの総投資金額は、5,200万円から7,200万円に変わる。
・また、投資対象候補Fの総投資金額は、5,420万円から6,420万円に変わる。 (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.
・投資対象候補Cの総投資金額4,600万円のうち、2,000万円が投資対象候補Aに付け替えられ、1,000万円が投資対象候補Fに付け替えられる。1,600万円分は次点なしとなる。
・故に、投資対象候補Aの総投資金額は、5,200万円から7,200万円に変わる。
・また、投資対象候補Fの総投資金額は、5,420万円から6,420万円に変わる。 (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)投資対象決定手段は、投資対象候補が「所定数=3」となったので、残った投資対象候補A,F,Jを投資対象として決定する。
(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”.
<ケース4>投資対象の決定のポリシーが例えば「投資家数」であり、次点の考慮があり、投資対象数が例えば所定値「3」の場合
<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”
投資対象決定手段が、例えば以下の処理を行う。
Investment target determination means performs the following processing, for example.
(S4-1)投資対象決定手段が、最も投資家の数が少ない投資対象候補Jを選択した投資家について各投資家の次点に選択した投資対象候補に付け替える。結果として、投資家数は、下記のように変更される。
・投資対象候補Jの投資家数5人のうち、3人が投資対象候補Aに付け替えられ、2人が投資対象候補Bに付け替えられる。
・故に、投資対象候補Aの投資家数は、30人から33人に変わる。
・また、投資対象候補Bの投資家数は、15人から17人に変わる。 (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.
・投資対象候補Jの投資家数5人のうち、3人が投資対象候補Aに付け替えられ、2人が投資対象候補Bに付け替えられる。
・故に、投資対象候補Aの投資家数は、30人から33人に変わる。
・また、投資対象候補Bの投資家数は、15人から17人に変わる。 (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)投資対象決定手段が、(S4-1)で付替後に最も投資家の数が少ない投資対象候補Eを選択した投資家について各投資家の次点に選択した投資対象候補に付け替える。結果として、投資家数は、下記のように変更される。
・投資対象候補Eの投資家数12人のうち、5人が投資対象候補Bに付け替えられ、7人が、投資対象候補Cに付け替えられる。
・故に、投資対象候補Bの投資家数は、17人から22人に変わる。
・また、投資対象候補Cの投資家数は、20人から27人に変わる。 (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.
・投資対象候補Eの投資家数12人のうち、5人が投資対象候補Bに付け替えられ、7人が、投資対象候補Cに付け替えられる。
・故に、投資対象候補Bの投資家数は、17人から22人に変わる。
・また、投資対象候補Cの投資家数は、20人から27人に変わる。 (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)投資対象決定手段が、(S4-2)で付替後に最も投資家の数が少ない投資対象候補Fを選択した投資家について各投資家の次点に選択した投資対象候補に付け替える。結果として、投資家数は、下記のように変更される。
・投資対象候補Fの投資家数18人のうち、5人が投資対象候補Aに付け替えられ、3人が投資対象候補Bに付け替えられ、2人が投資対象候補Cに付け替えられる。8人分は次点なしとなる。
・故に、投資対象候補Aの投資家数は、33人から38人に変わる。
・また、投資対象候補Bの投資家数は、22人から25人に変わる。
・また、投資対象候補Cの投資家数は、27人から29人に変わる。 (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.
・投資対象候補Fの投資家数18人のうち、5人が投資対象候補Aに付け替えられ、3人が投資対象候補Bに付け替えられ、2人が投資対象候補Cに付け替えられる。8人分は次点なしとなる。
・故に、投資対象候補Aの投資家数は、33人から38人に変わる。
・また、投資対象候補Bの投資家数は、22人から25人に変わる。
・また、投資対象候補Cの投資家数は、27人から29人に変わる。 (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)投資対象決定手段は、投資対象候補が「所定数=3」となったので、残った投資対象候補A,B,Cを投資対象として決定する。
(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.
なお、ケース3及びケース4においては、投資対象決定手段は、投資金額(例えば総投資金額、又は、想定取引金額に対する投資金額の充足率)又は投資家数が閾値以下の投資対象候補のみ「次点への付替」を行ってもよい。また、総投資金額又は投資家数の「閾値」は、各投資対象候補への総投資金額又は投資家数の平均値又は中央値などであってもよいし、任意の値であってもよい。
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. .
以上が、第1の観点についての具体例である。
The above is a specific example of the first viewpoint.
第2の観点によれば、複数の投資家端末のうちの少なくとも1つの投資家端末からの申込において、選択候補情報は、更に、1以上の候補グループを示す情報を含む。当該1以上の候補グループの各々は、選択された2以上の投資対象候補で構成されている。また、投資金額情報は、1以上の候補グループの各々についての投資金額を示す情報を含む。投資対象決定手段は、複数の申込から1又は複数の候補グループを特定した場合、当該1又は複数の候補グループの各々についての投資金額に基づいて、1以上の投資対象を決定する。具体的には、例えば、投資家が、複数の投資対象候補(A, C, E)を1つの候補グループとして、当該候補グループに対して投資金額(100万円)を設定することができる。投資対象決定手段は、設定された候補グループ(投資対象候補A, C, E)に対して設定された投資金額(100万円)に基づいて投資対象を決定することができる。
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).
第2の観点によれば、候補グループに属するいずれの投資対象候補を当該グループに対する投資金額の範囲で投資対象として決定するといったより柔軟な投資対象決定が期待できる。例えば、候補グループに属する投資対象候補A, C, Eのうち投資対象候補Aが投資対象として決定されなくても投資対象候補Cに対して投資金額(100万円)を投じることで投資対象候補Cを投資対象として決定することができる。
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.
なお、第2の観点の具体例は、例えば下記の通りである。
A specific example of the second viewpoint is as follows, for example.
投資家1-100からの申込中の選択候補情報が、下記であるとする。なお、下記の記載において、「グループ(A, C, E)/100万円」とは、投資対象候補A,C,Eが属する候補グループに対して投資金額が100万であることを意味する。また、「単体(B)/150万円」とは、候補グループに属さない投資対象候補Bに対して投資金額が150万円であることを意味する。
・投資家1:グループ(A, C, E)/100万円
・投資家2:グループ(A, F, J)/100万円
・投資家3:単体(B)/150万円
~(中略)~
・投資家99:グループ(A, B, C)/50万円
・投資家100:グループ(E, F, J)/10万円 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
・投資家1:グループ(A, C, E)/100万円
・投資家2:グループ(A, F, J)/100万円
・投資家3:単体(B)/150万円
~(中略)~
・投資家99:グループ(A, B, C)/50万円
・投資家100:グループ(E, F, J)/10万円 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
また、下記の前提があるとする。
・選択した複数の投資対象候補の間の選択優先順位は全て同じ又は選択優先順位は存在しない
・投資対象として決定する数は「3」 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 ''
・選択した複数の投資対象候補の間の選択優先順位は全て同じ又は選択優先順位は存在しない
・投資対象として決定する数は「3」 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 ''
投資対象決定手段は、投資対象候補への投資金額の紐付け処理(設定されている投資金額を全ての投資対象候補にそのままの金額で仮の投資金額として割り当てる処理)を行う。結果は、例えば下記の通りである。なお、下記において、カッコ内の金額が、仮の投資金額である。例えば、「グループ(A, C, E)/100万円 ⇒A:(100万円), C:(100万円), E:(100万円)」は、投資対象候補A,C,Eが属する候補グループに対する投資金額100万円が、当該候補グループに属する投資対象候補A,C,Eの各々に仮の投資金額として100万円が割り当てられたことを意味する。
・グループ(A, C, E)/100万円 ⇒A:(100万円), C:(100万円), E:(100万円)s
・グループ(A,F,J)/100万円 ⇒A:(100万円), F:(100万円), J:(100万円)
・単体(B)/150万円⇒B:(150万円)
~(中略)~
・グループ(B,A,C)/50万円 ⇒B:(50万円), A:(50万円), C:(50万円)
・グループ(E,F,J)/10万円 ⇒E:(10万円), F:(10万円), J:(10万円) 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)
・グループ(A, C, E)/100万円 ⇒A:(100万円), C:(100万円), E:(100万円)s
・グループ(A,F,J)/100万円 ⇒A:(100万円), F:(100万円), J:(100万円)
・単体(B)/150万円⇒B:(150万円)
~(中略)~
・グループ(B,A,C)/50万円 ⇒B:(50万円), A:(50万円), C:(50万円)
・グループ(E,F,J)/10万円 ⇒E:(10万円), F:(10万円), J:(10万円) 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)
投資対象決定手段は、投資対象候補毎に、仮投資金額(及び投資家数)を集計する。集計結果の一例が下記である。なお、下記において、カッコ内の金額が、付け替え可能な金額である。
・投資対象候補A:6,200万円(3,200万円)
・投資対象候補B:2,600万円(800万円)
・投資対象候補C:6,000万円(2,000万円)
・投資対象候補D:300万円(300万円)
・投資対象候補E:2,620万円(700万円)
・投資対象候補F:5,500万円(1,000万円)
・投資対象候補G:0円(0円)
・投資対象候補H:800万円(800万円)
・投資対象候補I:1,600万円(1,600万円)
・投資対象候補J:5,000万円(0円) 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)
・投資対象候補A:6,200万円(3,200万円)
・投資対象候補B:2,600万円(800万円)
・投資対象候補C:6,000万円(2,000万円)
・投資対象候補D:300万円(300万円)
・投資対象候補E:2,620万円(700万円)
・投資対象候補F:5,500万円(1,000万円)
・投資対象候補G:0円(0円)
・投資対象候補H:800万円(800万円)
・投資対象候補I:1,600万円(1,600万円)
・投資対象候補J:5,000万円(0円) 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)
投資対象決定手段は、上記の集計結果を示すデータを基に、投資対象を決定する。具体的には、例えば、以下の(S31)~(S33)が行われる。
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)投資対象決定手段は、最も仮投資金額の高い「投資対象候補A」を投資対象として決定する。
(S31) The investment target determining means determines “investment target candidate A” having the highest temporary investment amount as an investment target.
(S32)投資対象決定手段は、決定された投資対象の数が、所定の投資対象数に達したか否かを判断する。S32の判断結果が真の場合、処理が終了する。
(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.
一方、S32の判断結果が偽の場合、S33が行われる。ここでは、決定された投資対象の数が3未満のため(決定された投資対象の数は未だ1であるため)、S33が行われる。
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)投資対象決定手段は、最近決定した投資対象である最近決定対象(ここでは投資対象候補A)を含んだ選択候補情報を有する申込に対応した1以上の投資家の各々について、当該投資家の選択候補情報に含まれている、最近決定対象(投資対象候補A)以外の投資対象候補の投資額を更新する。当該1以上の投資家の各々について、S33が行われた結果の一例が、下記の通りである。下記において、カッコ内の金額が、付け替え可能な金額である。
・投資対象候補A:6,200万円(3,200万円)
・投資対象候補B:2,500万円(700万円)
・投資対象候補C:5,300万円(1,300万円)
・投資対象候補D:0円(0円)
・投資対象候補E:2,120万円(200万円)
・投資対象候補F:5,100万円(600万円)
・投資対象候補G:0円(0円)
・投資対象候補H:400万円(400万円)
・投資対象候補I:800万円(800万円)
・投資対象候補J:5,000万円(0円) (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)
・投資対象候補A:6,200万円(3,200万円)
・投資対象候補B:2,500万円(700万円)
・投資対象候補C:5,300万円(1,300万円)
・投資対象候補D:0円(0円)
・投資対象候補E:2,120万円(200万円)
・投資対象候補F:5,100万円(600万円)
・投資対象候補G:0円(0円)
・投資対象候補H:400万円(400万円)
・投資対象候補I:800万円(800万円)
・投資対象候補J:5,000万円(0円) (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)
S33の後、処理がS31に戻る。すなわち、投資対象決定手段は、最近のS33での残りの投資対象候補のうち、最も投資金額の高い「投資対象候補C」を投資対象として決定する。
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.
その後、S32が行われる。すなわち、投資対象決定手段は、決定された投資対象の数が、所定の投資対象数に達したか否かを判断する。ここでは、決定された投資対象の数が3未満のため(決定された投資対象の数は未だ2であるため)、S32の判断結果は偽である。このため、S33が行われる。
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.
S33で、投資対象決定手段は、最近決定対象(ここでは投資対象候補C)を含んだ選択候補情報を有する申込に対応した1以上の投資家の各々について、当該投資家の選択候補情報に含まれている、最近決定対象(投資対象候補C)以外の投資対象候補の投資額を更新する。当該1以上の投資家の各々について、S32が行われた結果の一例が、下記の通りである。下記において、カッコ内の金額が、付け替え可能な金額である。
・投資対象候補A:6,200万円(3,200万円)
・投資対象候補B:2,100万円(300万円)
・投資対象候補C:5,300万円(1,300万円)
・投資対象候補D:0円(0円)
・投資対象候補E:2,120万円(200万円)
・投資対象候補F:4,900万円(400万円)
・投資対象候補G:0円(0円)
・投資対象候補H:300万円(300万円)
・投資対象候補I:200万円(200万円)
・投資対象候補J:5,000万円(0円) 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)
・投資対象候補A:6,200万円(3,200万円)
・投資対象候補B:2,100万円(300万円)
・投資対象候補C:5,300万円(1,300万円)
・投資対象候補D:0円(0円)
・投資対象候補E:2,120万円(200万円)
・投資対象候補F:4,900万円(400万円)
・投資対象候補G:0円(0円)
・投資対象候補H:300万円(300万円)
・投資対象候補I:200万円(200万円)
・投資対象候補J:5,000万円(0円) 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)
S33の後、処理がS31に戻る。すなわち、投資対象決定手段は、最近のS33での残りの投資対象候補のうち、最も投資金額の高い「投資対象候補J」を投資対象として決定する。
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.
その後、S32が行われる。すなわち、投資対象決定手段は、決定された投資対象の数が、所定の投資対象数に達したか否かを判断する。ここでは、決定された投資対象の数が3に達したため、S32の判断結果は真である。従って、処理が終了する。
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.
第3の観点によれば、少なくとも1つの投資家端末からの申込が、更に以下の情報、すなわち、1以上の候補グループの各々について、当該候補グループに含まれる各投資対象候補の選択優先順位を示す情報である選択優先順位情報を含む。投資対象決定手段は、1又は複数の候補グループの各々についての投資金額及び各選択優先順位に基づいて、1以上の投資対象を決定する。
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.
第3の観点によれば、候補グループに属する2以上の投資対象候補の各々の選択優先順位を基に、当該候補グループのうちのいずれの投資対象候補を投資対象とするかを決定することができる。同一候補グループにおいて、選択優先順位は、全ての投資対象候補について異なっていてもよいし、一部又は全部の投資対象候補の選択優先順位が同じであってもよい。また、候補グループと、候補グループに属さない投資対象候補とが混在している場合、候補グループに属する投資対象候補について選択優先順位が設定されていることに加えて、候補グループに属さない投資対象候補について選択優先順位が設定されていてよい。
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.
なお、第3の観点の具体例は、例えば下記の通りである。
A specific example of the third viewpoint is as follows, for example.
投資家1-100からの申込中の選択候補情報が、下記であるとする。なお、下記の記載において、「グループ(A>C>E)/100万円」とは、投資対象候補A,C,Eが属する候補グループに対して投資金額が100万であり、且つ、投資対象候補Aの次点が投資対象候補Cであり、投資対象候補Cの次点が投資対象候補Eであることを意味する。また、「単体(B)/150万円」とは、候補グループに属さない投資対象候補Bに対して投資金額が150万円であることを意味する。
・投資家1:グループ(A>C>E)/100万円
・投資家2:グループ(A>F>J)/100万円
・投資家3:単体(B)/150万円
~(中略)~
・投資家99:グループ(B>A>C)/50万円
・投資家100:グループ(E>F>J)/10万円 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
・投資家1:グループ(A>C>E)/100万円
・投資家2:グループ(A>F>J)/100万円
・投資家3:単体(B)/150万円
~(中略)~
・投資家99:グループ(B>A>C)/50万円
・投資家100:グループ(E>F>J)/10万円 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
また、下記の前提があるとする。
・選択した複数の投資対象候補の間に選択優先順位がある
・投資対象として決定する数は「3」 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 ''
・選択した複数の投資対象候補の間に選択優先順位がある
・投資対象として決定する数は「3」 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 ''
投資対象決定手段は、各投資家について、投資対象候補への投資金額の紐付け処理(設定されている投資金額を最も選択優先順位の高い投資対象候補に割り当てる処理)を行う。結果は、例えば下記の通りである。なお、下記において、例えば、「グループ(A>C>E)/100万円 ⇒A:100万円」は、投資対象候補A,C,Eが属する候補グループに対する投資金額100万円が、当該候補グループにおいて最も選択優先順位の高い投資対象候補Aに割り当てられたことを意味する。
・グループ(A>C>E)/100万円 ⇒A:100万円
・グループ(A>F>J)/100万円 ⇒A:100万円
・単体(B)/150万円⇒B:150万円
・グループ(B>A>C)/50万円 ⇒A:50万円
・グループ(E>F>J)/10万円 ⇒E:10万円
・単体(B)/150万円⇒B:(150万円) 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)
・グループ(A>C>E)/100万円 ⇒A:100万円
・グループ(A>F>J)/100万円 ⇒A:100万円
・単体(B)/150万円⇒B:150万円
・グループ(B>A>C)/50万円 ⇒A:50万円
・グループ(E>F>J)/10万円 ⇒E:10万円
・単体(B)/150万円⇒B:(150万円) 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)
投資対象決定手段は、投資対象候補毎に、仮投資金額(及び投資家数)を集計する。集計結果の一例が下記である。
・投資対象候補A:3,000万円
・投資対象候補B:1,800万円
・投資対象候補C:4,000万円
・投資対象候補D:0円
・投資対象候補E:1,920万円
・投資対象候補F:4,500万円
・投資対象候補G:0円
・投資対象候補H:0円
・投資対象候補I:0円
・投資対象候補J:5,000万円 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
・投資対象候補A:3,000万円
・投資対象候補B:1,800万円
・投資対象候補C:4,000万円
・投資対象候補D:0円
・投資対象候補E:1,920万円
・投資対象候補F:4,500万円
・投資対象候補G:0円
・投資対象候補H:0円
・投資対象候補I:0円
・投資対象候補J:5,000万円 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
投資対象決定手段は、上記の集計結果を示すデータを基に、投資対象を決定する。具体的には、例えば、以下の(S41)~(S45)が行われる。
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)投資対象決定手段は、(投資金額が「0円」を除いて)S41で未選択の投資対象候補から、最も仮投資金額の低い投資対象候補(ここでは投資対象候補B)を選択する。
(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)投資対象決定手段は、最近のS41で選択された投資対象候補である最近選択候補(ここでは投資対象候補B)を示す選択候補情報を含む申込に対応した投資家について、当該投資家が最近選択候補に対応付けた投資金額を、当該投資家にとって次点の投資対象候補に付け替える。これにより、最近選択候補を選択した投資家毎に、最近選択候補の投資金額が、最近選択候補の次点の投資対象候補に付け替えられる。結果として、最近選択候補以外の投資対象候補の投資金額が更新される。S42の結果の一例が下記である。
・投資対象候補A:4,200万円
・投資対象候補B:0円
・投資対象候補C:4,000万円
・投資対象候補D:0円
・投資対象候補E:1,920万円
・投資対象候補F:5,100万円
・投資対象候補G:0円
・投資対象候補H:0円
・投資対象候補I:0円
・投資対象候補J:5,000万円 (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
・投資対象候補A:4,200万円
・投資対象候補B:0円
・投資対象候補C:4,000万円
・投資対象候補D:0円
・投資対象候補E:1,920万円
・投資対象候補F:5,100万円
・投資対象候補G:0円
・投資対象候補H:0円
・投資対象候補I:0円
・投資対象候補J:5,000万円 (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
なお、S42において、最近選択候補の次点の投資対象候補の投資金額が、最近選択候補(付替元の投資対象候補)の投資金額未満の場合(例えば、次点の投資対象候補の投資金額が「0円」の場合)、投資対象決定手段は、最近選択候補の投資金額を、次点の投資対象候補に代えて、更に次点の投資対象候補に付け替える。
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.
また、S42において、次点の投資対象候補がない場合、投資対象決定手段は、付け替え先なしとして、最近選択候補の投資金額をいずれの投資対象候補にも加算しない。
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)投資対象決定手段は、投資金額が「0円」ではない投資対象候補の数が、投資対象数「3」に達したか否かを判断する。S43の判断結果が真の場合、投資対象決定手段は、投資金額が「0円」ではない投資対象候補が投資対象として決定し、処理を終了する。ここでは、投資金額が「0円」ではない投資対象候補の数は、3を超えているため、S43の判断結果が偽である。
(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.
S43の判断結果が偽の場合、処理がS41に戻る。すなわち、投資対象決定手段は、最近のS43での残りの投資対象候補のうち、(投資金額が「0円」を除いて)最も投資金額の低い投資対象候補(ここでは投資対象候補E)を選択する。
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.
S42で、投資対象決定手段は、最近選択候補(ここでは投資対象候E)を示す選択候補情報を含む申込に対応した投資家について、当該投資家が最近選択候補に対応付けた投資金額を、当該投資家にとって次点の投資対象候補に付け替える。これにより、最近選択候補を選択した投資家毎に、最近選択候補の投資金額が、最近選択候補の次点の投資対象候補に付け替えられる。S42の結果の一例が下記である。
・投資対象候補A:5,200万円
・投資対象候補B:0円
・投資対象候補C:4,600万円
・投資対象候補D:0円
・投資対象候補E:0円
・投資対象候補F:5,420万円
・投資対象候補G:0円
・投資対象候補H:0円
・投資対象候補I:0円
・投資対象候補J:5,000万円 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
・投資対象候補A:5,200万円
・投資対象候補B:0円
・投資対象候補C:4,600万円
・投資対象候補D:0円
・投資対象候補E:0円
・投資対象候補F:5,420万円
・投資対象候補G:0円
・投資対象候補H:0円
・投資対象候補I:0円
・投資対象候補J:5,000万円 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
S43で、投資対象決定手段は、投資金額が「0円」ではない投資対象候補の数が、投資対象数「3」に達したか否かを判断する。ここでも、投資金額が「0円」ではない投資対象候補の数は、3を超えているため、S43の判断結果が偽である。
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.
S43の判断結果が偽の場合、上述した通り、処理がS41に戻る。すなわち、投資対象決定手段は、最近のS43での残りの投資対象候補のうち、(投資金額が「0円」を除いて)最も投資金額の低い投資対象候補(ここでは投資対象候補C)を選択する。
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.
S42で、投資対象決定手段は、最近選択候補(ここでは投資対象候C)を示す選択候補情報を含む申込に対応した投資家について、当該投資家が最近選択候補に対応付けた投資金額を、当該投資家にとって次点の投資対象候補に付け替える。これにより、最近選択候補を選択した投資家毎に、最近選択候補の投資金額が、最近選択候補の次点の投資対象候補に付け替えられる。S42の結果の一例が下記である。
・投資対象候補A:7,200万円
・投資対象候補B:0円
・投資対象候補C:0円
・投資対象候補D:0円
・投資対象候補E:0円
・投資対象候補F:6,420万円
・投資対象候補G:0円
・投資対象候補H:0円
・投資対象候補I:0円
・投資対象候補J:5,000万円 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
・投資対象候補A:7,200万円
・投資対象候補B:0円
・投資対象候補C:0円
・投資対象候補D:0円
・投資対象候補E:0円
・投資対象候補F:6,420万円
・投資対象候補G:0円
・投資対象候補H:0円
・投資対象候補I:0円
・投資対象候補J:5,000万円 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
S43で、投資対象決定手段は、投資金額が「0円」ではない投資対象候補の数が、投資対象数「3」に達したか否かを判断する。ここでは、S43の判断結果が真となる。この場合、投資対象決定手段は、投資金額が「0円」ではない投資対象候補A, F, Jを、投資対象として決定し、処理を終了する。
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.
なお、投資対象決定手段は、或る選択優先順位の投資対象候補に対応する投資金額の全ての金額を選択優先順位が次点の投資対象候補に対応する投資金額に付け替えなくてもよい。例えば「投資家1:グループ(A:100万>C:80万>E:60万)/100万円」のように投資対象候補毎に異なる投資金額の上限が設定されている場合に、投資対象決定手段が、投資対象候補Aに対応付けられた100万円の投資金額のうち、次点の投資対象候補Bの投資上限である80万円を投資対象候補Bの投資金額として付け替えて、余りの20万円については、口座管理手段が、残余金額として投資家1の口座の拘束を解除するように構成してもよい。
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.
第4の観点によれば、投資対象決定手段は、2以上の投資対象候補の各々についての投資金額と投資家数とのうちの少なくとも1つに基づいて2以上の投資対象候補の各々に決定優先順位を決定し、2以上の決定優先順位に基づいて1以上の投資対象を決定する。ここで言う「投資金額」は、総投資金額であってもよいし、想定取引金額(例えば、上記の参考金額のような想定落札金額)に対する投資金額の充足率であってもよい。「投資家数」は、投資対象候補に対する投資家の数である。
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.
第4の観点によれば、総投資金額と投資家数とのうちの少なくとも1つに基づいて決まる決定優先順位を基に投資対象候補を投資対象として決定するので、所定の投資対象数の範囲内で最適な投資対象を決定することが期待できる。
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.
第4の観点の具体例は、例えば下記の通りである。
(1)「総投資金額を基に決定優先順位を決定する」とは、例えば下記のうちのいずれかである。
・総投資金額が高い程、決定優先順位が高い。
・投資対象候補に対応する想定取引金額に対する総投資金額の充足率に基づいて、決定優先順位を決定する。具体的には、例えば、充足率が高い程、決定優先順位が高い。
・投資効率が高い程、決定優先順位が高い。
(2)「投資家数を基に決定優先順位を決定する」とは、例えば下記である。
・投資家数が多い程、決定優先順位が高い。 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.
(1)「総投資金額を基に決定優先順位を決定する」とは、例えば下記のうちのいずれかである。
・総投資金額が高い程、決定優先順位が高い。
・投資対象候補に対応する想定取引金額に対する総投資金額の充足率に基づいて、決定優先順位を決定する。具体的には、例えば、充足率が高い程、決定優先順位が高い。
・投資効率が高い程、決定優先順位が高い。
(2)「投資家数を基に決定優先順位を決定する」とは、例えば下記である。
・投資家数が多い程、決定優先順位が高い。 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.
第5の観点によれば、投資対象決定手段は、2以上の投資対象候補の全体についての投資金額合計と投資家数とのうちの少なくとも1つに基づいて、決定される投資対象の数を決定し、決定された数の投資対象を決定する。ここで言う「投資金額」は、総投資金額であってもよいし、想定取引金額(例えば、上記の参考金額のような想定落札金額)に対する投資金額の充足率であってもよい。「投資家数」は、投資対象候補に対する投資家の数である。
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.
第5の観点によれば、総投資金額と投資家数とのうちの少なくとも1つに基づいて投資対象数が決定されるので、投資対象数を最適な数とすることが期待できる。
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.
第5の観点の具体例は、例えば下記の通りである。
(1)「総投資金額を基に投資対象数を決定する」とは、例えば下記のうちのいずれかである。
・総投資金額が高い程、投資対象数が多い。
・投資対象候補に対応する想定取引金額に対する総投資金額の充足率に基づいて、投資対象数を決定する。具体的には、例えば、充足率が高い程、投資対象数が多い。
(2)「投資家数を基に投資対象数を決定する」とは、例えば下記である。
・投資家数が多い程、投資対象数が多い。 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.
(1)「総投資金額を基に投資対象数を決定する」とは、例えば下記のうちのいずれかである。
・総投資金額が高い程、投資対象数が多い。
・投資対象候補に対応する想定取引金額に対する総投資金額の充足率に基づいて、投資対象数を決定する。具体的には、例えば、充足率が高い程、投資対象数が多い。
(2)「投資家数を基に投資対象数を決定する」とは、例えば下記である。
・投資家数が多い程、投資対象数が多い。 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.
第6の観点によれば、投資対象候補選択制御手段(例えば、候補選択制御プログラム1913)が更に備えられる。投資対象候補選択制御手段は、複数の投資家のうちの少なくとも1の投資家について、先に選択した投資対象候補に係る情報を基に当該投資家の選択における投資対象候補の範囲及び投資金額とのうちの少なくとも1つを制御する。
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.
当該投資家について、「先に選択した投資対象候補」とは、当該投資家による今回の選択よりも先に当該投資家及び当該投資家以外の投資家により選択した投資対象候補である。
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.
「先に選択した投資対象候補に係る情報」は、例えば、先に選択した投資対象候補の投資額、投資家数及び取引開始時刻のうちの少なくとも1つを示す情報である。
“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.
「投資対象候補の範囲の制御」とは、選択可能な投資対象候補の範囲を、先に選択された投資対象候補よりも前に取引開始時刻が到来する投資対象候補の選択を禁止又は警告することである。後の選択可能な投資対象候補が、先に選択された投資対象候補よりも前に取引開始時刻が到来する投資対象候補であると、先に選択された投資対象候補が投資対象として決定されなかった場合に既に取引開始時刻が過ぎていて選択不可能になっているおそれがあるからである。
“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.
「投資対象候補の投資金額の制御」とは、選択可能な投資対象候補に対する投資金額を、先に選択された投資対象候補の投資金額以上の投資金額を設定することを禁止又は警告することである。例えば、下記のうちのいずれかが採用されてもよい。
・後の選択可能な投資対象候補の投資金額の上限Kは、先に選択された投資対象候補Aの投資金額a(つまり、K=a)。
・上限Kは、先に選択された投資対象候補A, Bの投資金額a, bの合計(つまり、K=a+b)。
・上限Kは、先に選択された投資対象候補A, Bの投資金額a, bのうちの最低額(つまり、Kは、a及びbのうちの小さい方)。 “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).
・後の選択可能な投資対象候補の投資金額の上限Kは、先に選択された投資対象候補Aの投資金額a(つまり、K=a)。
・上限Kは、先に選択された投資対象候補A, Bの投資金額a, bの合計(つまり、K=a+b)。
・上限Kは、先に選択された投資対象候補A, Bの投資金額a, bのうちの最低額(つまり、Kは、a及びbのうちの小さい方)。 “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).
第6の観点によれば、先に選択された投資対象候補に係る情報を基に、投資家の選択における投資対象候補の範囲及び投資金額とのうちの少なくとも1つが制御される。これにより、投資家に対して適切な投資を促すことができる。
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.
なお、警告を投資家により了承された場合には、申込受付手段は、投資対象候補の順位(例えば選択優先順位)を取引開始時刻に応じて変更してよい。
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.
第7の観点によれば、計算機システムは、更に、複数の投資家の各々について当該投資家の投資家識別情報が対応付けられている口座を管理する口座管理手段を備える。座管理手段は、複数の投資家の各々について、当該投資家について申込に先立って受信した投資家識別情報に対応する指定された資金を示す情報に基づき、当該指定された資金を当該投資家の口座の残高に反映する。
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.
第7の観点によれば、口座の残高の範囲(申込に先立って用意されている金額の範囲)で投資の申込を受け付けることができる。
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).
第8の観点によれば、口座管理手段が、複数の投資家の各々について、申込に含まれる投資金額情報が示す投資金額を当該申込に含まれる投資家識別情報に対応する口座から拘束する。
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.
第8の観点によれば、申込が示す投資金額を他の用途に使用されてしまうことを避けることができる。
According to the eighth aspect, the investment amount indicated by the application can be avoided from being used for other purposes.
第8の観点の具体例は、例えば下記のうちのいずれかでよい。
・投資対象候補の選択を受け付けた時点で投資金額を拘束する。
・投資対象候補から投資対象が決定された時点で投資金額を拘束する。
・取引開始時刻までの残り時間が所定時間となった時点で投資金額を拘束する。 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.
・投資対象候補の選択を受け付けた時点で投資金額を拘束する。
・投資対象候補から投資対象が決定された時点で投資金額を拘束する。
・取引開始時刻までの残り時間が所定時間となった時点で投資金額を拘束する。 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.
第9の観点によれば、申込受付手段は、複数の投資対象候補のうちのいずれかの投資対象候補に対する総投資金額が当該投資対象候補についての募集上限を超えた場合に、他の投資対象候補に関する所定の情報を基に、当該募集上限を引き上げることと、当該投資対象について申込の受け付けを締め切ることとのいずれか一方を実行するかを選択する。
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.
「他の投資対象候補に関する所定の情報」とは、下記のうちの少なくとも1つでよい。
・他の投資対象候補への投資金額及び投資家数のうちの少なくとも1つ。
・当該投資対象候補に類似する他の投資対象候補の過去の取引金額(例えば落札金額)。
・当該投資対象候補に類似する他の投資対象候補の過去の想定取引金額に対する取引成功率(例えば落札成功率)。 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.
・他の投資対象候補への投資金額及び投資家数のうちの少なくとも1つ。
・当該投資対象候補に類似する他の投資対象候補の過去の取引金額(例えば落札金額)。
・当該投資対象候補に類似する他の投資対象候補の過去の想定取引金額に対する取引成功率(例えば落札成功率)。 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.
第9の観点によれば、募集上限の引き上げとするか、或いは、申込受付を締め切るかを、適切に選択することが期待できる。
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.
第9の観点の具体例は、例えば下記のうちの少なくとも1つでよい。
・申込受付手段は、他の投資対象候補の選択状況に基づいて、或る投資対象候補の募集上限を引き上げるか又は受付を締め切るかを選択する(例えば、他の投資対象候補について総投資金額又は投資家数が十分であれば、当該或る投資対象候補の募集上限を引き上げ、他の投資対象候補について総投資金額又は投資家数が不十分であれば、当該或る投資対象候補について申込受付を締め切る)。
・申込受付手段は、或る投資対象候補と類似する投資対象候補への過去の投資実績(例えば、入札成功率や、想定取引金額(例えば参考金額)の上振れ可能性)に基づいて、募集上限を引き上げるか又は受付を締め切るかを選択する。
・申込受付手段は、他の投資対象候補への投資家の興味の度合いに基づいて、募集上限を引き上げるか又は受付を締め切るかを選択する(例えば、当該他の投資対象候補への興味の度合いが高ければ(例えば、総投資金額又は投資家数が一定値を超えていれば)、或る投資対象候補について申込受付を締め切り、当該或る投資対象候補についての投資金額を他の投資対象候補に付け替える)。なお、申込受付手段は、投資家から、投資の他に、投資対象候補等の検索及び閲覧等の要求を受け付け当該要求に応答することができるようなっており、投資家毎に、検索履歴、閲覧履歴及び投資履歴等の履歴を管理する。申込受付手段は、投資家の検索履歴、閲覧履歴及び投資履歴等の履歴のうちの少なくとも1つに基づいて、当該投資家の興味の度合いの推定することができる。
・申込受付手段は、取引成功率が低いほど、募集上限を引き上げる。 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.
・申込受付手段は、他の投資対象候補の選択状況に基づいて、或る投資対象候補の募集上限を引き上げるか又は受付を締め切るかを選択する(例えば、他の投資対象候補について総投資金額又は投資家数が十分であれば、当該或る投資対象候補の募集上限を引き上げ、他の投資対象候補について総投資金額又は投資家数が不十分であれば、当該或る投資対象候補について申込受付を締め切る)。
・申込受付手段は、或る投資対象候補と類似する投資対象候補への過去の投資実績(例えば、入札成功率や、想定取引金額(例えば参考金額)の上振れ可能性)に基づいて、募集上限を引き上げるか又は受付を締め切るかを選択する。
・申込受付手段は、他の投資対象候補への投資家の興味の度合いに基づいて、募集上限を引き上げるか又は受付を締め切るかを選択する(例えば、当該他の投資対象候補への興味の度合いが高ければ(例えば、総投資金額又は投資家数が一定値を超えていれば)、或る投資対象候補について申込受付を締め切り、当該或る投資対象候補についての投資金額を他の投資対象候補に付け替える)。なお、申込受付手段は、投資家から、投資の他に、投資対象候補等の検索及び閲覧等の要求を受け付け当該要求に応答することができるようなっており、投資家毎に、検索履歴、閲覧履歴及び投資履歴等の履歴を管理する。申込受付手段は、投資家の検索履歴、閲覧履歴及び投資履歴等の履歴のうちの少なくとも1つに基づいて、当該投資家の興味の度合いの推定することができる。
・申込受付手段は、取引成功率が低いほど、募集上限を引き上げる。 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.
第10の観点によれば、計算機システムは、更に、取得上限算出手段を備える。取得上限算出手段は、複数の投資家端末から受け付けた申込を基に、前記決定された1以上の投資対象の各々について、当該投資対象の取得金額の上限である取得上限を算出する。
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.
第10の観点によれば、投資対象の取得を行う者(例えば買付人118)が、当該投資対象の取得金額の上限を知ることができる。
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.
第11の観点によれば、申込受付手段は、記複数の投資家端末のうち少なくとも1つの投資家端末からの申込に含まれる選択候補情報が示す1以上の投資対象候補のうちの少なくとも1の投資対象候補に関連する投資対象候補を特定する。申込受付手段は、特定された関連する投資対象候補の選択を、当該関連する投資対象候補を選択していない1以上の投資家の投資家端末の少なくとも1つにリコメンドする。投資対象決定手段にとっての選択肢となる2以上の投資対象候補は、上記のリコメンドに応答して選択された関連する投資対象候補を含む。
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.
第11の観点によれば、より柔軟な投資を提供できる。例えば、或る投資家が選択したいずれの投資対象候補も投資対象として決定されなくても、関連する投資対象候補をリコメンドし、そのリコメンドに応答して当該投資家により当該関連する投資対象候補が選択されれば、当該投資家の投資金額を当該関連する投資対象候補に流用することができる。また、それにより、当該投資金額の拘束を解除するといった処理の発生を避けることも期待できる。
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.
第12の観点によれば、口座管理手段は、複数の投資家の各々について、拘束した投資金額のうち使用されなかった金額である未使用金額がある場合に、当該未使用金額を当該投資家の口座の残高に反映する拘束解除を行うようになっている。投資対象決定手段は、拘束解除の回数が最小になるように、2以上の投資対象候補から1以上の投資対象を決定する。
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.
第12の観点によれば、拘束解除の回数が最小になるので、拘束解除の処理の回数を減らし、以って、計算機システムの処理負荷を軽減することが期待できる。
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.
なお、第12の観点の具体例は、例えば、下記の通りである。
・「拘束解除の回数が最小」とは、投資金額のうち、投資対象に紐付かない投資金額が最小となることである。投資対象決定手段は、10個の投資対象候補の中から3個の投資対象候補を投資対象として決定する組合せ(10C3 = 120通り)の各々の組合せについて、総投資金額のうち投資対象に紐付かない投資金額(余剰金)を算出する。投資対象決定手段は、余剰金が最も少なくなる組合せにおける3個の投資対象候補を投資対象として決定する。なお、「余剰金が最も少なくなる組合せ」は、必要に応じて(例えば少なくとも1の投資家により選択優先順位が設定されていることで次点の考慮があるケースでは)付け替え処理が行われた結果として算出される。
・「拘束解除の回数が最小」とは、投資対象として決定された投資対象候補以外の投資対象候補のみを投資対象候補として設定した投資家の数が最小となることである。投資対象決定手段は、10個の投資対象候補の中から3個の投資対象候補を投資対象として決定する組合せ(10C3 = 120通り)の各々の組合せについて、投資家数から当該組合せに含まれる3個の投資対象候補に紐つく投資家を除いた数を算出する。投資対象決定手段は、算出された数が最も小さい組合せにおける3個の投資対象候補を投資対象として決定する。なお、「算出された数が最も小さい組合せ」は、必要に応じて(例えば少なくとも1の投資家により選択優先順位が設定されていることで次点の考慮があるケースでは)付け替え処理が行われた結果として算出される。 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.
・「拘束解除の回数が最小」とは、投資金額のうち、投資対象に紐付かない投資金額が最小となることである。投資対象決定手段は、10個の投資対象候補の中から3個の投資対象候補を投資対象として決定する組合せ(10C3 = 120通り)の各々の組合せについて、総投資金額のうち投資対象に紐付かない投資金額(余剰金)を算出する。投資対象決定手段は、余剰金が最も少なくなる組合せにおける3個の投資対象候補を投資対象として決定する。なお、「余剰金が最も少なくなる組合せ」は、必要に応じて(例えば少なくとも1の投資家により選択優先順位が設定されていることで次点の考慮があるケースでは)付け替え処理が行われた結果として算出される。
・「拘束解除の回数が最小」とは、投資対象として決定された投資対象候補以外の投資対象候補のみを投資対象候補として設定した投資家の数が最小となることである。投資対象決定手段は、10個の投資対象候補の中から3個の投資対象候補を投資対象として決定する組合せ(10C3 = 120通り)の各々の組合せについて、投資家数から当該組合せに含まれる3個の投資対象候補に紐つく投資家を除いた数を算出する。投資対象決定手段は、算出された数が最も小さい組合せにおける3個の投資対象候補を投資対象として決定する。なお、「算出された数が最も小さい組合せ」は、必要に応じて(例えば少なくとも1の投資家により選択優先順位が設定されていることで次点の考慮があるケースでは)付け替え処理が行われた結果として算出される。 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.
第13の観点によれば、投資対象決定手段は、2以上の投資対象候補が、異なる2以上の属性に属する場合、異なる2以上の属性から2以上の投資対象を決定する。「属性」は、不動産や美術品といった大属性でもよいし、大属性毎の1以上の小属性の各々(例えば、大属性が「不動産」の場合、小属性は「マンション」、「アパート」等)でもよい。
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. )
第13の観点によれば、決定される1以上の投資対象の属性を特定の属性に偏らないよう分散することが期待できる。例えば、第14の観点では、投資対象決定手段が、2以上の投資対象候補の各々を、複数の属性のうち当該投資対象候補が該当する属性に分類し、2以上の属性の各々から少なくとも1つの投資対象を決定してもよい。
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.
第13の観点の具体例は、例えば下記のうちのいずれかである。
・投資対象候補の数が多い属性に分類された投資対象候補ほど相対的に多くの投資対象として決定する。
・投資対象候補の数が多い属性ほど属性間の優先順位を高くする。例えば、属性と投資対象候補数との関係が、属性1:6、属性2:3、属性3:4の場合、属性の優先順位は、属性1>属性3>属性2である。属性の優先順位の差は、投資対象候補数の差に応じて決められてよい。優先順位が高い属性程、多くの投資対象候補が投資対象として決定される。
・属性に分類される投資対象候補への投資金額を考慮。例えば、総投資金額が多い属性に属する投資対象候補を優先的に投資対象として決定する。
・総投資金額/想定販売金額(例えば想定取引金額)が大きい属性に属する投資対象候補を優先的に投資対象として決定する。
・属性に分類される投資対象候補の投資効率を考慮。例えば、投資効率が高い投資対象候補が多い属性に属する投資対象候補を優先的に投資対象として決定する。 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 isattribute 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.
・投資対象候補の数が多い属性に分類された投資対象候補ほど相対的に多くの投資対象として決定する。
・投資対象候補の数が多い属性ほど属性間の優先順位を高くする。例えば、属性と投資対象候補数との関係が、属性1:6、属性2:3、属性3:4の場合、属性の優先順位は、属性1>属性3>属性2である。属性の優先順位の差は、投資対象候補数の差に応じて決められてよい。優先順位が高い属性程、多くの投資対象候補が投資対象として決定される。
・属性に分類される投資対象候補への投資金額を考慮。例えば、総投資金額が多い属性に属する投資対象候補を優先的に投資対象として決定する。
・総投資金額/想定販売金額(例えば想定取引金額)が大きい属性に属する投資対象候補を優先的に投資対象として決定する。
・属性に分類される投資対象候補の投資効率を考慮。例えば、投資効率が高い投資対象候補が多い属性に属する投資対象候補を優先的に投資対象として決定する。 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
-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.
第14の観点によれば、前記申込受付手段は、前記複数の投資家のうちの少なくとも1の投資家について、選択可能な投資対象候補の数を設定する。
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.
第14の観点によれば、少なくとも1の投資家に対して選択可能な投資対象候補の数(例えば、上限及び下限のうちの少なくとも1つ)を設定することができる。
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.
第14の観点の具体例は、例えば下記のうちのいずれかでよい。
・投資家に対する候補情報が示す投資対象候補の数α1に応じて、選択可能な投資対象候補の数β1を決定する。例えば、α1が大きい程、β1は大きい。α1が小さい程、β1は小さい。
・投資家が選択した1以上の投資対象候補に対する投資金額α2に応じて、選択可能な投資対象候補の数β2を決定する。例えば、α2が大きい程、β2は大きい。α2が小さい程、β2は小さい。
・投資家の投資実績(例えば、過去に投資した金額の合計)α3に応じて、選択可能な投資対象候補の数β3を決定する。例えば、α3が大きい程、β3は大きい。α3が小さい程、β3は小さい。 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.
・投資家に対する候補情報が示す投資対象候補の数α1に応じて、選択可能な投資対象候補の数β1を決定する。例えば、α1が大きい程、β1は大きい。α1が小さい程、β1は小さい。
・投資家が選択した1以上の投資対象候補に対する投資金額α2に応じて、選択可能な投資対象候補の数β2を決定する。例えば、α2が大きい程、β2は大きい。α2が小さい程、β2は小さい。
・投資家の投資実績(例えば、過去に投資した金額の合計)α3に応じて、選択可能な投資対象候補の数β3を決定する。例えば、α3が大きい程、β3は大きい。α3が小さい程、β3は小さい。 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.
本実施例によれば、オークションで流通する資産を投資対象とすると仮定した場合に想定される、ファンド運営者及び投資家102の双方の課題を、解決することができる。
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.
すなわち、ファンド運営者(買付人118)は、投資家102の需要を把握しながら、投資対象に対して入札するか否かや入札金額を幾らにするかといったことを、柔軟に決定することができる。このため、不良在庫をかかえることを防げる。なお、ファンド組成は落札成功後でもよい。これは、不良在庫をかかえることのリスクを更に低減する。
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.
投資家102は、オークションの雰囲気を楽しむことができる。一般人にとっては満たすことが困難な参加条件が課せられるオークションもあるが、そういったオークションについても、投資家102はその雰囲気を楽しむことができる。投資家102が欲しい資産を投資対象として入手する範囲をオークションにまで広げることができる。
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.
また、本実施例によれば、オークションで流通する投資対象候補の通知、申込の受付、2以上の投資対象候補からの1以上の投資対象の決定、オークションの中継、落札結果の通知といった流れをオンラインで一本化することができる。
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.
実施例2を説明する。その際、実施例1との相違点を主に説明し、実施例2との共通点については説明を省略又は簡略する。
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.
実施例1では、オークションは、会場で開催されるオークションといったリアルなオークションであるが、実施例2では、オークションは、インターネット上のサイトで開催されるオークションのようなバーチャルなオークションである。
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.
図16は、実施例2に係る処理全体の流れの一部を示すフローチャートであり、図17は、当該処理全体の流れの残りを示すフローチャートである。
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.
実施例2では、オークションサーバ1501が設けられる。オークションサーバ1501は、オークション運営者により運営されるオークションを提供する。オークションサーバ1501は、オークション対象について入札を受け付ける。オークションサーバ1501は、オークション管理テーブル1502を管理する。オークション管理テーブル1502は、オークション対象に関する情報(例えば、入札金額、入札者名、落札金額及び落札者名)をオークション対象毎に保持する。
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.
また、実施例2では、投資支援サーバ103は、情報提供担当者端末115及び映像配信サーバ121に代えて、オークションサーバ1501からオークション状況を取得できる。言い換えれば、実施例2では、情報提供担当者端末115及び映像配信サーバ121は無くてもよく、情報提供担当者端末115及び映像配信サーバ121は投資支援サーバ103の一機能として構成されていてもよい。
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.
以下、実施例2で行われる処理の流れを説明する。
Hereinafter, the flow of processing performed in the second embodiment will be described.
1.前日フェーズ
1. Previous day phase
まず、「S800:資金反映」と同様の処理が行われる。すなわち、口座管理プログラム517は、投資家102Aの申込に先立って受信した投資家ID(投資家102Aの投資家ID)に対応する指定された資金を示す情報に基づき、当該指定された資金を投資家102の口座の残高に反映する(S1500)。
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).
「S801:一覧送信」と同様の処理が行われる。すなわち、投資家端末101Aは、投資対象候補一覧を投資支援サーバ103に要求する(S1501)。一覧送信プログラム510は、その要求に応答して、各投資対象候補に関する情報を投資対象候補管理テーブル522から取得する(S1502)。一覧送信プログラム510は、取得した情報を基に投資対象候補一覧を生成し、生成した投資対象候補一覧を投資家端末101Aに送信する(S1503)。投資家端末101Aは、受信した投資対象候補一覧を表示する(S1504)。
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).
「S802:申込受付」と同様の処理が行われる。すなわち、投資家端末101Aは、投資対象候補の選択と投資金額及び選択優先順位の入力とを受け(S1505)、投資対象の選択と投資金額及び選択優先順位とを含んだ申込を投資支援サーバ103に送信する(S1506)。申込受付プログラム511は、申込を受け付け(S1507)、その申込を投資家管理テーブル521に登録し、且つ、その申込を投資対象候補管理テーブル522に反映する(S1508)。また、申込受付プログラム511から呼び出された口座管理プログラム517は、受け付けた申込に従う投資金額を、投資家102Aに対応した口座余力603から引く投資金額拘束を実行する(S1509)。
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).
「S803:投資対象の決定」と同様の処理が行われる。すなわち、投資対象決定プログラム1912が、投資家端末101Aを含む複数の投資家端末101から受け付けた複数の申込により特定される2以上の投資対象候補から、複数の申込を基に、1以上の投資対象を決定する(S1510)。
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).
「S804:入札上限の算出」と同様の処理が行われる。すなわち、入札上限算出プログラム512は、決定された投資対象の総投資金額704(複数の投資家102Aに対応した申込)を投資対象候補管理テーブル522から取得する(S1511)。入札上限算出プログラム512は、当該総投資金額704を基に、当該投資対象についての入札上限を算出する(S1512)。
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).
「S805:結果の送信」と同様の処理が行われる。すなわち、結果送信プログラム513が、S1510で決定された投資対象を示す情報を含んだ結果情報を投資家端末101Aに送信する(S1513)。
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.当日フェーズ
2. Same-day phase
2-1.入札開始前フェーズ
2-1. Pre-bidding phase
S1500~S1513が行われてよい。
S1500 to S1513 may be performed.
2-2.入札中フェーズ
2-2. Bidding phase
「S1000:入札上限の送信」と同様の処理が行われる。すなわち、結果送信プログラム513は、投資対象について投資対象候補管理テーブル522に登録されている入札上限703が表す値を入札上限として買付人端末117に送信する(S1514)。買付人端末117は、投資対象の入札上限を受け付け表示する(S1515)。
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).
なお、S1512及びS1513は、前日フェーズにおいて行われてもよいし、入札開始前フェーズにおいて行われてもよい。
In addition, S1512 and S1513 may be performed in the previous day phase, and may be performed in the phase before a bid start.
買付人端末117は、投資対象について、受け付けた入札上限に基づいて、入札金額をオークションサーバ1501に入力する(S1516)。
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).
オークションサーバ1501は、入札金額を買付人端末117から受け付け(S1517)、受け付けた入札金額を、当該投資対象について、オークション管理テーブル1502に登録する(S1518)。
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).
図示しないが、「2-2.入札中フェーズ」において、投資支援サーバ103は、オークションサーバ1501からオークション状況を取得し投資家端末101Aに通知できる。具体的には、例えば、オークションサーバ1501は、投資支援サーバ103からの要求に応答して(又は、そのような要求無しに)、入札中の投資対象に対応した入札金額を含む情報をオークション管理テーブル1502から取得し、取得した入札金額を含む情報をオークション状況として投資支援サーバ103に送信する。投資支援サーバ103がオークション状況を受け付け、オークション通知プログラム514が、そのオークション状況を投資家端末101Aに通知する。オークション状況の通知を受けた投資家端末101Aについて、上述した「S1003:金額変更の受付」が行われ、その後、「S1004:入札上限の更新」及び「S1005:入札上限の送信」が行われてよい。つまり、「2-2.入札中フェーズ」において、オークション状況の通知、申込の受け付け、入札上限の更新、及び、入札上限の送信が、繰り返し行われてよい。
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.落札後フェーズ
2-3. Phase after a successful bid
オークションサーバ1501は、落札した投資対象に関する情報(例えば、落札時の入札金額及び入札者名)をオークション管理テーブル1502から取得する(S1519)。オークションサーバ1501は、取得した情報から、落札時の入札金額及び入札者を特定し(S1520)、特定した入札金額及び入札者を落札金額及び落札者としてオークション管理テーブル1502に登録する(S1521)。オークションサーバ1501は、落札情報(例えば落札金額及び落札者名)を投資支援サーバ103に送信する(S1522)。
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).
「S1006:状況受付」と同様の処理が行われる。すなわち、オークション状況管理プログラム516は、オークションサーバ1501から、落札情報を受け付ける。オークション状況管理プログラム516は、その落札情報を基に、落札成否を判断し、落札成否及び落札金額を投資対象候補管理テーブル522に登録する(S1523)に登録する。落札者名が買付人の名前と同じ場合、落札成功と判断され、落札者名が買付人の名前と違う場合、落札不成立と判断される。
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.
「S1007:落札結果の送信」と同様の処理が行われる。すなわち、落札結果送信プログラム515は、落札された投資対象について、落札結果(例えば、落札成否の判断結果、及び、落札金額)を投資家端末101Aに送信する(S1524)。口座管理プログラム517は、落札された投資対象に対して投資した投資家102Aの口座について、口座処理を行う(S1525)。例えば、落札成功の場合、口座管理プログラム517は、落札成功した投資対象に対する投資金額612を、投資家102Aの口座残高613から引く。一方、落札不成立の場合、口座管理プログラム517は、投資家102Aについての投資金額拘束を解除する(すなわち、落札不成立の投資対象に対する投資金額612を投資家102Aの口座余力603に加算する)。
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).
以上が、実施例2の説明である。なお、実施例2では、買付人端末117が無くてもよく、買付人端末117の機能を投資支援サーバ103が有してもよい。すなわち、投資支援サーバ103が、入札手段の一例としての入札プログラムを実行してもよい。入札プログラムは、投資対象について算出された入札上限を基に(典型的には入札上限の範囲で)、投資対象に対して入札をオークションサーバ1501に対して実行してよい(入札金額をオークションサーバ1501に入力してよい)。
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).
以上、幾つかの実施例を説明したが、これらは本発明の説明のための例示であって、本発明の範囲をこれらの実施例にのみ限定する趣旨ではない。本発明は、他の種々の形態でも実施することが可能である。
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.
例えば、買付人118とデータ情報提供担当者116が同一人でもよい。このため、買付人端末117が情報提供担当者端末115を兼ねてもよい。
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.
また、落札対象の入札開始前であれば、その落札対象についての投資金額の全部又は一部の取消が可能であってもよい。落札対象の入札中は、入札上限703が入札金額706未満にならない範囲で、その落札対象についての投資金額の全部又は一部の取消が可能であってもよい。
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.
また、例えば、図2~図5において、プログラム及びデータの配置は一例である。例えば、図5において、テーブル521及び522のうちの少なくとも1つは、記憶デバイス群505に代えてメモリ502に格納されていてもよい。また、プログラム510~518のうちの少なくとも1つは、メモリ502に代えて記憶デバイス群505に格納されていて、必要に応じてメモリ502に読み出されてもよい。
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.
また、本発明における商取引の一態様である「オークション」は、最も高い金額を入札した者が落札者となるオークションに代えて、入札すると同時に落札することができる金額(例えば、即落札金額など)が予め設定され当該金額を最も早く入札した者が落札者となるオークションであってもよい。
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.
また、落札不成立に伴い投資家102Aの口座に戻った投資金額の全部又は一部は、口座管理プログラム517により、投資家102Aから選択された1以上の他の投資対象のうちの少なくとも1つに対応した投資金額に加算されてよい。
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.
また、本発明における商取引は、販売者が提示した固定の金額で商取引が行われる態様であってもよく、当該商取引の期限が設定されていてもされていなくてもよい。
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.
また、投資金額の拘束が、口座余力603から投資金額を引くが口座残高613から投資金額を引かない場合、投資金額拘束の解除は、口座余力603に投資金額を戻すことでよい。投資金額の拘束が、口座残高613から投資金額を引くことを含む場合、投資金額拘束の解除は、口座残高613に投資金額を戻すことを含んでよい。
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.
また、上述の説明では、候補情報送信手段、申込受付手段、投資対象決定手段、取得上限算出手段、結果送信手段、投資対象候補選択制御手段、及び口座管理手段のような手段の一具体例が開示されているが、これらの手段(機能)のうちの少なくとも1つが行う処理の少なくとも一部は、1以上のコンピュータプログラムをプロセッサ部が実行することにより実現される(プロセッサ部は、ハードウェア回路を含んでいてもよく、処理の少なくとも一部がハードウェア回路によって実現されてもよい)。従って、例えば、上述の説明を、以下のように表現することもできる。以下のように、候補情報送信手段、申込受付手段、投資対象決定手段、取得上限算出手段、結果送信手段、及び口座管理手段のような手段を、「プロセッサ部」と読み替えることができる。
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”.
<表現1>
複数の投資家端末と通信するインターフェース部と、
投資家及び投資対象候補に関する情報を含む管理情報を記憶する記憶部と、
インターフェース部及び記憶部に接続されており、前記インターフェース部を介して前記複数の投資家端末と通信し、前記記憶部に記憶されている前記管理情報を基に処理を実行するプロセッサ部と
を有し、
前記プロセッサ部は、
(A)投資家が選択可能な複数の投資対象候補の情報である候補情報を複数の投資家の投資家端末にそれぞれ送信し、
(B)複数の投資家端末の各々から、以下の情報(b1)~(b3)を含んだ申込を受け付け、
(b1)投資家を識別するための情報である投資家識別情報、
(b2)当該投資家端末に送信された候補情報に含まれる1以上の投資対象候補の選択を示す情報である選択候補情報、及び、
(b3)当該1以上の投資対象候補に対する投資金額を示す情報である投資金額情報、
(C)前記複数の投資家端末から受け付けた複数の申込を基に、2以上の投資対象候補から1以上の投資対象を決定する、
計算機システム。 <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.
複数の投資家端末と通信するインターフェース部と、
投資家及び投資対象候補に関する情報を含む管理情報を記憶する記憶部と、
インターフェース部及び記憶部に接続されており、前記インターフェース部を介して前記複数の投資家端末と通信し、前記記憶部に記憶されている前記管理情報を基に処理を実行するプロセッサ部と
を有し、
前記プロセッサ部は、
(A)投資家が選択可能な複数の投資対象候補の情報である候補情報を複数の投資家の投資家端末にそれぞれ送信し、
(B)複数の投資家端末の各々から、以下の情報(b1)~(b3)を含んだ申込を受け付け、
(b1)投資家を識別するための情報である投資家識別情報、
(b2)当該投資家端末に送信された候補情報に含まれる1以上の投資対象候補の選択を示す情報である選択候補情報、及び、
(b3)当該1以上の投資対象候補に対する投資金額を示す情報である投資金額情報、
(C)前記複数の投資家端末から受け付けた複数の申込を基に、2以上の投資対象候補から1以上の投資対象を決定する、
計算機システム。 <
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.
<表現2>
前記複数の投資家端末のうちの少なくとも1つの投資家端末からの申込において、
前記選択候補情報は、1以上の候補グループを示す情報を含み、当該1以上の候補グループの各々は、選択された2以上の投資対象候補で構成されており、
前記投資金額情報は、前記1以上の候補グループの各々についての投資金額を示す情報を含み、
前記プロセッサ部は、(C)において、前記複数の申込から1又は複数の候補グループを特定した場合、当該1又は複数の候補グループの各々についての投資金額に基づいて、前記1以上の投資対象を決定する、
表現1記載の計算機システム。 <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 toexpression 1.
前記複数の投資家端末のうちの少なくとも1つの投資家端末からの申込において、
前記選択候補情報は、1以上の候補グループを示す情報を含み、当該1以上の候補グループの各々は、選択された2以上の投資対象候補で構成されており、
前記投資金額情報は、前記1以上の候補グループの各々についての投資金額を示す情報を含み、
前記プロセッサ部は、(C)において、前記複数の申込から1又は複数の候補グループを特定した場合、当該1又は複数の候補グループの各々についての投資金額に基づいて、前記1以上の投資対象を決定する、
表現1記載の計算機システム。 <
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
<表現3>
前記複数の投資家端末のうちの少なくとも1つの投資家端末からの申込において、前記選択候補情報は、1以上の候補グループを示す情報を含み、当該1以上の候補グループの各々は、選択された2以上の投資対象候補で構成されており
前記少なくとも1つの投資家端末からの申込が、更に以下の情報を含み、
前記1以上の候補グループの各々について、当該候補グループに含まれる各投資対象候補の選択優先順位を示す情報である選択優先順位情報、
前記プロセッサ部は、(C)において、前記1又は複数の候補グループの各々についての投資金額及び各選択優先順位に基づいて、前記1以上の投資対象を決定する、
表現1記載の計算機システム。 <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 toexpression 1.
前記複数の投資家端末のうちの少なくとも1つの投資家端末からの申込において、前記選択候補情報は、1以上の候補グループを示す情報を含み、当該1以上の候補グループの各々は、選択された2以上の投資対象候補で構成されており
前記少なくとも1つの投資家端末からの申込が、更に以下の情報を含み、
前記1以上の候補グループの各々について、当該候補グループに含まれる各投資対象候補の選択優先順位を示す情報である選択優先順位情報、
前記プロセッサ部は、(C)において、前記1又は複数の候補グループの各々についての投資金額及び各選択優先順位に基づいて、前記1以上の投資対象を決定する、
表現1記載の計算機システム。 <
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
<表現4>
前記プロセッサ部は、(C)において、
前記2以上の投資対象候補の各々についての投資金額と投資家数とのうちの少なくとも1つに基づいて、前記2以上の投資対象候補の各々に決定優先順位を決定し、
前記2以上の決定優先順位に基づいて前記1以上の投資対象を決定する、
表現1乃至3のうちのいずれか1項に記載の計算機システム。 <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 ofexpressions 1 to 3.
前記プロセッサ部は、(C)において、
前記2以上の投資対象候補の各々についての投資金額と投資家数とのうちの少なくとも1つに基づいて、前記2以上の投資対象候補の各々に決定優先順位を決定し、
前記2以上の決定優先順位に基づいて前記1以上の投資対象を決定する、
表現1乃至3のうちのいずれか1項に記載の計算機システム。 <
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
<表現5>
前記プロセッサ部は、(C)において、
前記2以上の投資対象候補の全体についての総投資金額合計と投資家数とのうちの少なくとも1つに基づいて、決定される投資対象の数を決定し、
前記決定された数の投資対象を決定する、
表現1乃至4のうちのいずれか1項に記載の計算機システム。 <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 ofexpressions 1 to 4.
前記プロセッサ部は、(C)において、
前記2以上の投資対象候補の全体についての総投資金額合計と投資家数とのうちの少なくとも1つに基づいて、決定される投資対象の数を決定し、
前記決定された数の投資対象を決定する、
表現1乃至4のうちのいずれか1項に記載の計算機システム。 <
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
<表現6>
前記プロセッサ部は、複数の投資家のうちの少なくとも1の投資家について、先に選択した投資対象候補に係る情報を基に当該投資家の選択における投資対象候補の範囲及び投資金額とのうちの少なくとも1つを制御する、
表現1乃至5のうちのいずれか1項に記載の計算機システム。 <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 ofexpressions 1 to 5.
前記プロセッサ部は、複数の投資家のうちの少なくとも1の投資家について、先に選択した投資対象候補に係る情報を基に当該投資家の選択における投資対象候補の範囲及び投資金額とのうちの少なくとも1つを制御する、
表現1乃至5のうちのいずれか1項に記載の計算機システム。 <
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
<表現7>
前記プロセッサ部は、前記複数の投資家の各々について当該投資家の投資家識別情報が対応付けられている口座を管理し、
前記プロセッサ部は、前記複数の投資家の各々について、当該投資家の前記申込に先立って受信した前記投資家識別情報に対応する指定された資金を示す情報に基づき、当該指定された資金を当該投資家の口座の残高に反映する、
表現1乃至6のうちのいずれか1項に記載の計算機システム。 <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 ofexpressions 1 to 6.
前記プロセッサ部は、前記複数の投資家の各々について当該投資家の投資家識別情報が対応付けられている口座を管理し、
前記プロセッサ部は、前記複数の投資家の各々について、当該投資家の前記申込に先立って受信した前記投資家識別情報に対応する指定された資金を示す情報に基づき、当該指定された資金を当該投資家の口座の残高に反映する、
表現1乃至6のうちのいずれか1項に記載の計算機システム。 <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
<表現8>
前記プロセッサ部は、前記複数の投資家の各々について、前記申込に含まれる投資金額情報が示す投資金額を当該申込に含まれる投資家識別情報に対応する口座から拘束する、
表現7記載の計算機システム。 <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.
前記プロセッサ部は、前記複数の投資家の各々について、前記申込に含まれる投資金額情報が示す投資金額を当該申込に含まれる投資家識別情報に対応する口座から拘束する、
表現7記載の計算機システム。 <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.
<表現9>
前記プロセッサ部は、前記複数の投資対象候補のうちのいずれかの投資対象候補に対する総投資金額が当該投資対象候補についての募集上限を超えた場合に、現在又は過去の他の投資対象候補に関する所定の情報を基に、当該募集上限を引き上げることと、当該投資対象について申込の受け付けを締め切ることとのいずれか一方を実行するかを選択する、
表現1乃至8のうちのいずれか1項に記載の計算機システム。 <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 ofexpressions 1 to 8.
前記プロセッサ部は、前記複数の投資対象候補のうちのいずれかの投資対象候補に対する総投資金額が当該投資対象候補についての募集上限を超えた場合に、現在又は過去の他の投資対象候補に関する所定の情報を基に、当該募集上限を引き上げることと、当該投資対象について申込の受け付けを締め切ることとのいずれか一方を実行するかを選択する、
表現1乃至8のうちのいずれか1項に記載の計算機システム。 <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
<表現10>
前記プロセッサ部は、前記複数の投資家端末から受け付けた申込を基に、前記決定された1以上の投資対象の各々について、当該投資対象の取得金額の上限である取得上限を算出する、
を更に備える表現1乃至9のうちのいずれか1項に記載の計算機システム。 <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 ofexpressions 1 to 9, further comprising:
前記プロセッサ部は、前記複数の投資家端末から受け付けた申込を基に、前記決定された1以上の投資対象の各々について、当該投資対象の取得金額の上限である取得上限を算出する、
を更に備える表現1乃至9のうちのいずれか1項に記載の計算機システム。 <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
<表現11>
前記プロセッサ部は、
前記複数の投資家端末のうち少なくとも1つの投資家端末からの申込に含まれる選択候補情報が示す1以上の投資対象候補のうちの少なくとも1の投資対象候補に関連する投資対象候補を特定し、
前記特定された関連する投資対象候補の選択を、当該関連する投資対象候補を選択していない1以上の投資家の投資家端末の少なくとも1つにリコメンドし、
前記2以上の投資対象候補は、前記リコメンドに応答して選択された関連する投資対象候補を含む、
表現1乃至10のうちのいずれか1項に記載の計算機システム。 <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 ofexpressions 1 to 10.
前記プロセッサ部は、
前記複数の投資家端末のうち少なくとも1つの投資家端末からの申込に含まれる選択候補情報が示す1以上の投資対象候補のうちの少なくとも1の投資対象候補に関連する投資対象候補を特定し、
前記特定された関連する投資対象候補の選択を、当該関連する投資対象候補を選択していない1以上の投資家の投資家端末の少なくとも1つにリコメンドし、
前記2以上の投資対象候補は、前記リコメンドに応答して選択された関連する投資対象候補を含む、
表現1乃至10のうちのいずれか1項に記載の計算機システム。 <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
<表現12>
前記プロセッサ部は、前記複数の投資家の各々について、拘束した投資金額のうち使用されなかった金額である未使用金額がある場合に、当該未使用金額を当該投資家の口座の残高に反映する拘束解除を行い、
前記プロセッサ部は、(C)において、前記拘束解除の回数が最小になるように、前記1以上の投資対象を決定する、
表現8記載の計算機システム。 <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.
前記プロセッサ部は、前記複数の投資家の各々について、拘束した投資金額のうち使用されなかった金額である未使用金額がある場合に、当該未使用金額を当該投資家の口座の残高に反映する拘束解除を行い、
前記プロセッサ部は、(C)において、前記拘束解除の回数が最小になるように、前記1以上の投資対象を決定する、
表現8記載の計算機システム。 <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.
また、下記のような表現をすることも可能である。
It is also possible to express as follows.
<表現A>
投資家が選択可能な複数の投資対象候補の情報である候補情報を計算機システムから受信し、
受信した候補情報を表示し、
少なくとも投資家を識別する投資家識別情報と前記候補情報に含まれる1以上の投資対象候補の選択と当該選択された投資対象候補に対する投資金額とを含んだ申込を前記計算機システムに送信する、
ことをコンピュータ(例えば投資家端末101)に実行させるコンピュータプログラム(例えばAPP211)。 <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.
投資家が選択可能な複数の投資対象候補の情報である候補情報を計算機システムから受信し、
受信した候補情報を表示し、
少なくとも投資家を識別する投資家識別情報と前記候補情報に含まれる1以上の投資対象候補の選択と当該選択された投資対象候補に対する投資金額とを含んだ申込を前記計算機システムに送信する、
ことをコンピュータ(例えば投資家端末101)に実行させるコンピュータプログラム(例えばAPP211)。 <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…投資支援サーバ
103: Investment support server
Claims (13)
- 投資家が選択可能な複数の投資対象候補の情報である候補情報を複数の投資家の投資家端末にそれぞれ送信する候補情報送信手段と、
複数の投資家端末の各々から、以下の情報を含んだ申込を受け付ける申込受付手段と、
投資家を識別するための情報である投資家識別情報、
当該投資家端末に送信された候補情報に含まれる1以上の投資対象候補の選択を示す情報である選択候補情報、及び、
当該1以上の投資対象候補に対する投資金額を示す情報である投資金額情報、
前記複数の投資家端末から受け付けた複数の申込を基に、2以上の投資対象候補から1以上の投資対象を決定する投資対象決定手段と
を備える計算機システム。 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. - 前記複数の投資家端末のうちの少なくとも1つの投資家端末からの申込において、
前記選択候補情報は、1以上の候補グループを示す情報を含み、当該1以上の候補グループの各々は、選択された2以上の投資対象候補で構成されており、
前記投資金額情報は、前記1以上の候補グループの各々についての投資金額を示す情報を含み、
前記投資対象決定手段は、前記複数の申込から1又は複数の候補グループを特定した場合、当該1又は複数の候補グループの各々についての投資金額に基づいて、前記1以上の投資対象を決定する、
請求項1記載の計算機システム。 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. - 前記複数の投資家端末のうちの少なくとも1つの投資家端末からの申込において、前記選択候補情報は、1以上の候補グループを示す情報を含み、当該1以上の候補グループの各々は、選択された2以上の投資対象候補で構成されており
前記少なくとも1つの投資家端末からの申込が、更に以下の情報を含み、
前記1以上の候補グループの各々について、当該候補グループに含まれる各投資対象候補の選択優先順位を示す情報である選択優先順位情報、
前記投資対象決定手段は、前記1又は複数の候補グループの各々についての投資金額及び各選択優先順位に基づいて、前記1以上の投資対象を決定する、
請求項1記載の計算機システム。 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. - 前記投資対象決定手段は、
前記2以上の投資対象候補の各々についての投資金額と投資家数とのうちの少なくとも1つに基づいて、前記2以上の投資対象候補の各々に決定優先順位を決定し、
前記2以上の決定優先順位に基づいて前記1以上の投資対象を決定する、
請求項1乃至3のうちのいずれか1項に記載の計算機システム。 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. - 前記投資対象決定手段は、
前記2以上の投資対象候補の全体についての投資金額合計と投資家数とのうちの少なくとも1つに基づいて、決定される投資対象の数を決定し、
前記決定された数の投資対象を決定する、
請求項1乃至4のうちのいずれか1項に記載の計算機システム。 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. - 投資対象候補選択制御手段を更に備え、
投資対象候補選択制御手段は、
前記複数の投資家のうちの少なくとも1の投資家について、先に選択した投資対象候補に係る情報を基に当該投資家の選択における投資対象候補の範囲及び投資金額とのうちの少なくとも1つを制御する、
請求項1乃至5のうちのいずれか1項に記載の計算機システム。 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. - 前記複数の投資家の各々について当該投資家の投資家識別情報が対応付けられている口座を管理する口座管理手段、
を更に備え、
前記口座管理手段は、前記複数の投資家の各々について、当該投資家の前記申込に先立って受信した前記投資家識別情報に対応する指定された資金を示す情報に基づき、当該指定された資金を当該投資家の口座の残高に反映する、
請求項1乃至6のうちのいずれか1項に記載の計算機システム。 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. - 前記口座管理手段は、前記複数の投資家の各々について、前記申込に含まれる投資金額情報が示す投資金額を当該申込に含まれる投資家識別情報に対応する口座から拘束する、
請求項7記載の計算機システム。 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. - 前記申込受付手段は、前記複数の投資対象候補のうちのいずれかの投資対象候補に対する総投資金額が当該投資対象候補についての募集上限を超えた場合に、他の投資対象候補に関する情報を基に、当該募集上限を引き上げることと、当該投資対象について申込の受け付けを締め切ることとのいずれか一方を実行するかを選択する、
請求項1乃至8のうちのいずれか1項に記載の計算機システム。 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. - 前記複数の投資家端末から受け付けた申込を基に、前記決定された1以上の投資対象の各々について、当該投資対象の取得金額の上限である取得上限を算出する取得上限算出手段、
を更に備える請求項1乃至9のうちのいずれか1項に記載の計算機システム。 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: - 前記申込受付手段は、
前記複数の投資家端末のうち少なくとも1つの投資家端末からの申込に含まれる選択候補情報が示す1以上の投資対象候補のうちの少なくとも1の投資対象候補に関連する投資対象候補を特定し、
前記特定された関連する投資対象候補の選択を、当該関連する投資対象候補を選択していない1以上の投資家の投資家端末の少なくとも1つにリコメンドし、
前記2以上の投資対象候補は、前記リコメンドに応答して選択された関連する投資対象候補を含む、
請求項1乃至10のうちのいずれか1項に記載の計算機システム。 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. - 前記拘束制御手段は、前記複数の投資家の各々について、拘束した投資金額のうち使用されなかった金額である未使用金額がある場合に、当該未使用金額を当該投資家の口座の残高に反映する拘束解除を行い、
前記投資対象決定手段は、前記拘束解除の回数が最小になるように、前記1以上の投資対象を決定する、
請求項8記載の計算機システム。 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. - 投資家が選択可能な複数の投資対象候補の情報である候補情報を複数の投資家の投資家端末にそれぞれ送信し、
複数の投資家端末の各々から、少なくとも投資家を識別する投資家識別情報と当該投資家端末に送信された候補情報に含まれる1以上の投資対象候補の選択と当該選択された投資対象候補に対する投資金額とを含んだ申込を受け付け、
前記複数の投資家端末から受け付けた複数の申込を基に、2以上の投資対象候補から1以上の投資対象を決定する、
投資支援方法。 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.
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