JP6247418B1 - Three-party crowdfunding system - Google Patents

Abstract

The present invention provides a crowdfunding system for increasing the attractiveness of a project in crowdfunding and improving the establishment rate. A product preparation step in which a beneficiary and a return provider each prepare a product, an investment solicitation step in which a catalog is presented and soliciting funding for the project from the investor, and funds that the beneficiary has raised A three-party crowdfunding system used in a three-party crowdfunding method comprising a fund receiving step for receiving a plurality of funds provided by a beneficiary and a return provider in association with an amount of funding for a project. Calculate the product catalog that describes the contents of the product and the expected return rate that indicates how much the beneficiary can raise funds based on factors including popularity and cost of multiple products. It has a reduction rate trial statement and a checkout statement that distributes money to the beneficiary and return provider after the expiration date of the product exchange. [Selection] Figure 3

Description

  The present invention relates to a crowdfunding system that solicits funding from a large number of investment applicants, and in particular, as an investor who provides funds, a beneficiary who receives funds, and a return of funds (hereinafter referred to as “return”). The present invention relates to a crowdfunding system executed by three return providers who provide goods, services, rights, etc. to investors.

  Crowd funding refers to those who wish to invest (crowd) with a specific or unspecified number of people (beneficiaries) who need funds to carry out a project or plan (hereinafter referred to as “project”). This is a fund raising method established by soliciting funding from each of them, and each of a plurality of investors providing a part of the necessary funds. The beneficiary is obliged to present the implementation plan of the project and the return to the investor in advance and execute them instead of receiving funding.

  There are various forms of crowdfunding depending on the nature of the project and the form of return. Representative examples are “investment-type crowdfunding” that places importance on monetary return, “donation-type crowdfunding” that does not place emphasis on monetary return, and some products, services, rights, etc. arising from projects instead of money "Purchase-type crowdfunding" etc. in which a return of "product etc." is made.

  In order to widely inform the projects that beneficiaries plan and attract the attention of a wide variety of investors, many cloud funding systems that seek funding are operated on the WEB site on the Internet (Patent Documents 1 and 2). reference). In this kind of unspecified large-scale crowdfunding, it is possible to seek funding from people around the world who are not related to the beneficiaries, so that many investors can provide small amounts of funds. Large funds may be established.

  On the other hand, there may be a specific majority type of crowdfunding that seeks funding only from those who want to invest in relation to the beneficiaries. This form has the advantage that the establishment rate is high because the number of people who call for funding is limited, but funding is solicited from people who are relatively motivated to fund the beneficiaries. .

JP2015-197904 A International Publication No. 2015/121933 Pamphlet

  In crowdfunding, the more attractive the project is, the easier it is to collect funds. The attractiveness of the project here is that if it is an investment type, the project has a high probability of success and a high investment effect. If it is a donation type, the social significance of the project and the beneficiary's personality / attraction If it is a purchase type, it is the attractiveness of the product etc. which is a return.

In this way, there are various factors that are attractive to applicants for investment, and there are few projects that have a good balance of attractiveness of projects, attractiveness of investment, attractiveness of returns, etc., and there are few scenes where investment applicants hesitate to invest. Absent.
On the other hand, investors who are attracted by the beneficiary's aspirations and attractiveness tend to provide funding without considering the high probability of project success, investment effects, attractiveness of returns, etc. Absent. The reality is that most people who want to support beneficiaries will not have the motivation to fund an unattractive project.

  As a result of diligent research in view of such circumstances, the present inventor, in addition to investors and beneficiaries, among the three parties of return providers who provide products that return to support beneficiaries, all three parties The inventors have come up with the idea that profitable crowdfunding can be performed, and have achieved the present invention described below.

The three-party crowdfunding system of the present invention is between a beneficiary who solicits funding for a project, an investor who provides funding for the project, and a return provider who provides returns to investors upon funding. It is used. The conceptual diagram is shown in FIG.
More specifically, the present invention relates to a product preparation step in which a beneficiary who raises funds for a project and a return provider who supports the beneficiary each prepares a product, and an investor desires among those products. An investment soliciting step for presenting a catalog for selecting an item as a return on investment and soliciting funding for the project from the investor, and a fund receiving step for receiving funds procured by the beneficiary after a product exchange date A three-party crowdfunding system for use in a three-party crowdfunding method comprising a plurality of products provided by the beneficiary and the return provider in association with the amount of funds provided to the project. A product catalog that describes the content and the expected return rate for the beneficiary to raise funds A reduction ratio trial calculation that predicts and calculates the principal rate based on factors including popularity and cost of multiple products, and a checkout statement that distributes money to the beneficiary and the return provider after the replacement date A three-party crowdfunding system having
In the present invention, a system does not necessarily mean a computer system. Any combination of objects is acceptable. It can be configured as a combination of three items: a product catalog (whether paper or electronic catalog on the Internet), a reduction rate trial report, and a checkout.

  Mutual aid type crowdfunding can be realized in which beneficiaries who receive funding and return providers help each other. Thus, not only is the beneficiary that initiates the project profitable, but the return provider also has the opportunity to make their goods and services known to the funder.

1 is a conceptual diagram of a three-party crowdfunding system of the present invention. FIG. 1 (a) shows the case of only three of the beneficiary, the return provider, and the fund provider, and FIG. 1 (b) shows the case where an operator is added to them. It is a figure which shows an example of a goods catalog. It is a figure which shows an example of a reduction rate trial calculation. It is a figure which shows an example of a statement of accounts. It is a conceptual diagram which shows the hardware constitutions of the whole computer system. It is a functional block diagram which shows the structure of the server computer which comprises a three-party type crowdfunding system. It is a flowchart which shows the processes (reduction rate trial calculation process, merchandise catalog edit process, etc.) before execution of crowdfunding. It is a flowchart which shows the execution process of crowdfunding (a process etc. which raises an investor and settles the purchase of goods of an investor). It is a flowchart which shows the process after execution of crowdfunding (process etc. in which product exchange is completed and it settles between an operator, a beneficiary, and a return provider). It is a sequence diagram which shows the exchange performed between a server, an operator terminal, a beneficiary terminal, a return provider terminal, and an investor terminal. It is a block diagram which shows the modification which stands up the server for every area or every group, and shares the information of the popularity of return goods among several servers.

The three-party crowdfunding system of the present invention will be described below with reference to the drawings.
FIG. 1 (a) shows the relationship between beneficiaries, return providers, and investors. Beneficiaries need money to launch new projects. In order to support the beneficiary, the return provider provides products and the like (including service provision) to the investor as an investment return (return). The investor invests funds, for example, in the form of how many units of the 10,000 yen course or 5,000 yen course each. The beneficiary and the return provider prepare products for the 10,000 yen course and the 5,000 yen course, respectively, in order to provide the goods as returns to the investors.

  FIG. 1 (b) shows how the operator enters and functions in order to smoothly operate this three-party crowdfunding system. There may be a case where the beneficiary and the return provider belong to the same member organization (for example, a member organization for the purpose of helping SMEs to help each other), and the operator is the secretariat of the member organization. In this case, the investor may be a member of the member organization or a non-member.

Operators seek collaborative return providers for beneficiaries who want funding. At that time, negotiate to get the product as cheap as possible. This is because the amount of funds (return rate) that the beneficiary obtains increases. In addition, the operator creates a product catalog (see FIG. 2) and creates an environment in which the investor can easily invest (for example, construction of a website). Payment via the Internet is convenient for investing. However, the present invention is not limited to this, and the product catalog may be created as printed matter on a document.
In addition to creating a product catalog, the operator creates a reduction rate trial calculation (see FIG. 3) and a checkout (see FIG. 4), which will be described later, and participates in the entire three-party crowdfunding.

  FIG. 2 is a diagram illustrating an example of the product catalog 10. For each of the 10,000 yen course and the 5,000 yen course, five products (or services) are described in the order of a photograph, its description, and an order button. These five products are products (or services) provided by the beneficiary A and the return providers B, C, D, and E, respectively. This product catalog is given to investors. And the investor orders the product for the amount that corresponds to his investment. It is determined how many products are delivered to the investors on the product exchange date (for example, one month after the end of bidding). In recent years, there is a so-called catalog gift that is given to wedding attendees. The recipient receives the product when he / she selects and orders the product described in the catalog within a predetermined period. The merchandise catalog in the present invention is a printed matter (or a page on a website) delivered to an investor (fund provider) with the same feeling as the catalog gift.

FIG. 3 is a diagram showing an example of the reduction rate trial calculation.
In executing the three-party crowdfunding of the present invention, it is necessary for the beneficiary and the operator to consult with each other to determine the scale of the bid (how much money to raise). The amount of funds raised to beneficiaries is determined by the scale of the number of bids for the 10,000 yen course and the number of bids for the 5,000 yen course, and the return provider. It depends on the wholesale price of the products to be sold, and also on the variation in how many of each product can be sold.
Therefore, the operator creates a trial calculation of the return rate shown in FIG. 3, and consults with the beneficiary to determine the scale of the bid.

In FIG. 3, suppose that a 10,000 yen course bid is 250 units and a 5,000 yen course bid is 500 units, and that 5 million yen is raised. In this case, a trial calculation of how much money is to be returned to the beneficiary is a return rate trial report 20 shown in FIG. In this reduction rate trial statement 20, the number of five products that are expected to be sold is temporarily set. If there is no reason to vary in particular about 5 items, 250 units in the 10,000 yen course are ordered evenly for 5 products, and 500 units in the 5000 yen course are ordered equally in the 5 products. Is treated as
Each wholesale price (price at which the return provider provides the product) is set between the operator, the return provider, and the beneficiary. The amount of payment to each product provider can be obtained by multiplying the number of possible sales by the wholesale price. The total cost is calculated by adding up the amount of 10 products and then adding up the operating costs (site management costs, administrative fees, etc.). If 10,000 yen is 250 units and 5,000 yen is 500 units, there will be 5 million yen in total. By subtracting the expenses from that, the amount of investment that can be delivered to the beneficiary is obtained. Calculate the reduction rate by calculating how much the amount is 5 million yen. Here, 29.7% is obtained.
If the beneficiary thinks that this amount is sufficient and agrees with the operator, the scale of funding will be determined to be 10,000 yen 250 units and 5,000 yen 500 units.

  FIG. 4 is a diagram showing an example of a statement of payment that is created after a product catalog is delivered to the investor and a product replacement deadline of about one month has come. At this stage, the number of items sold is determined. “Number of sold” is replaced with “Number of sold” in the trial calculation. As a result, the payment amount to the product provider is determined, and the total investment amount is determined. As a result, the amount of funds procured to the beneficiary is determined. Here, the reduction rate is 28%.

≪The actual flow≫
Below, the beneficiary (fund procurement) side and the return provider (product exhibition) side will show the specific flow using these product catalogs (catalog gifts), return rate trial statements, and settlement statements. , See and explain each from the operator (secretariat) side.

<Funding (beneficiary) side>
(1) The side (beneficiary) who wants to raise funds wants 1 million yen.
(2) Prepare and create a product to be put in the product catalog (catalog gift) yourself and put it in the product catalog (catalog gift).
(3) If the expected return rate is 20%, crowdfunding starts at 5 million yen.
(4) Bids are placed on 5000 yen courses, 10000 yen courses, etc.
(5) The tender ends and all the money enters the secretariat.
(6) When the product exchange date of the product catalog (catalog gift) comes (about one month after the end of bidding), it will be determined how much money will be charged for the product.
(7) Here, if you choose a lot of products that you put out, you will get a lot of money.
(8) As a result of payment, it may be more than 1 million yen or it may be less than 1 million yen.

<Product listing (return provider) side>
(1) The secretariat will consult the product catalog (catalog gift).
(2) At that time, if it is a 5000 yen course, have the price of 5000 yen as cheap as possible and make a contract with the secretariat at that price. (Example) A nail course of 5000 yen A contract of 3500 yen will be provided if crowdfunding is offered. At this time, it is possible to set a limited number of lines, or it is possible to limit the period only to this month.
(3) Instead of making it cheaper, the Secretariat will bear the posting of product catalogs (catalog gifts) and simple photos of interviews.
(4) After the crowdfunding is completed, when the product exchange starts, the orderer list is given to the exhibitor (return provider). The merchandise seller sends the merchandise to each customer based on the orderer's list. Using the list passed to the merchandise seller, the merchandise seller may conduct future direct marketing. The secretariat will negotiate with the return provider, “I will post it for free in the product catalog. And, since the customer list will be handed over to the return provider (product seller), I would like the product to be as cheap as possible”. To do.

<Secretariat side>
(1) Hear about the profile of funding applicants and the reasons for funding. When the interview is over, the product exhibition side is inquired about whether or not to exhibit.
(2) The product catalog is composed of the products from the people who received the OK and those who want to procure.
(3) Calculate the expected return rate based on the average cost of the product (preparation of the return rate trial report).
(4) Determine the offer price for crowdfunding from the expected return rate.
(5) Create a crowdfunding page and send the link to members via email (you can do it with paper documents without using the WEB site).

  There are several possible variations in this crowdfunding, but using a product catalog, creating a return rate trial statement to determine the offer price for crowdfunding, and using a checkout to pay for the procurement Determining the amount of funding made is a skeleton part.

<< Embodiment when configured as a computer system >>
With reference to FIG. 5 and subsequent figures, the hardware configuration, software configuration, processing contents, processing procedure, etc. of the computer system will be described for the embodiment when the three-party crowdfunding system according to the present invention is configured as a computer system. To do.

FIG. 5 shows a hardware configuration of the entire computer system when the three-party crowdfunding system according to the present invention is configured as a computer system composed of a combination of a server and a terminal device connected via the Internet. FIG.
An ellipse extending horizontally in the center of FIG. 5 indicates the Internet communication network. The server 110, the operator terminal 120, the beneficiary terminal 130, the return provider terminal 140,..., 149, and the investor terminals 41, 42,... 49 are connected to the Internet (Internet communication network). .

The server 110 is configured by a so-called server computer, and is operated by accepting access from other terminals for 24 hours 365 days. It is a computer that plays the central role of the three-party crowdfunding system according to the present invention.
The operator terminal 120 is a terminal device used by an operator (secretariat) that manages the server 110 for input and output to the server 110, and may be configured by a desktop computer, a notebook computer, a tablet computer, or the like. In addition, some of the operations to be performed by the operator can be performed by a smartphone. The operator not only manages the three-party crowdfunding system according to the present invention, but also has a relationship between the beneficiary, the return provider and the investor. Play the role of making it go.

  The beneficiary terminal 130 is a computer used by a person who intends to receive investment using the three-party crowdfunding system according to the present invention, although only one computer is depicted here. We think that there is one beneficiary terminal for each project that seeks investment. The beneficiary terminal 130 is a terminal device that is used to communicate with the server 110 and execute input processing on the server 110 if necessary, in each of the progress processes of the project for which it seeks investment. It can be constituted by a desktop computer, a notebook computer, a tablet computer, or a smartphone.

  Return provider terminals 140,..., 149 are terminal devices that are used by return providers who provide goods and services in return to investors and access the server 110. A beneficiary who wants to receive an investment may also provide a return to the investor, but that alone may not make the investor feel attractive. As a return provider, in order to support other beneficiaries, by providing products and services at low prices in return for investment, various types of products and services can be proposed in return. Person-type crowdfunding is established. The return provider terminals 140,..., 149 may be configured by a desktop computer, a notebook computer, a tablet computer, or a smartphone.

  Investor terminals 41,..., 49 are terminal devices used by a person who intends to invest in a project in which a beneficiary intends to receive investment. The investor can be anyone who is permitted to access the three-party crowdfunding page prepared by the server 110. In particular, if access authority is not provided, a person who clears age restrictions such as 18 years of age or more can be an investor. Investor terminals 41, 42,..., 49 draw a smartphone in FIG.

FIG. 6 is a functional block diagram showing the configuration of the server computer that constitutes the three-party crowdfunding system.
The security management device 50 executes processing for protecting the devices and information in the server 110 from being illegally accessed or tampered with from the outside.
The beneficiary information editing device 51 executes a process of editing information such as the business plan, management philosophy, and profile of the beneficiary so as to be shown to investors and return providers.
The beneficiary information display device 52 executes a process for displaying the beneficiary information to the investor or the return provider.

The return rate trial calculation device 53 executes a process for calculating the return rate at the stage when the goods / services provided by the return provider are available. How much reduction will be made.
The merchandise catalog editing device 54 executes a process of editing a merchandise catalog for showing a merchandise or a service as a return of investment for the investor.
The product catalog display device 55 executes a process of displaying the product catalog for investors.
The investment soliciting device 56 executes a process of calling the investor to invest in the beneficiary, in other words, to purchase a return from the return provider.
The investment settlement apparatus 57 executes a settlement process for the investment of the investor (purchase of return product) by credit card, debit card, electronic money, convenience store settlement or the like.

The checkout preparation device 58 sends the product (service) to the investor after the period for recruiting the investor, finishes the payment to the return provider, and returns the amount of money to be returned to the beneficiary. Execute the process to create a check sheet to be calculated.
The payment settlement apparatus 59 executes (or supports) processing (for example, bank transfer processing) in which payment associated with payment is performed with the return provider, beneficiary, and operator (secretariat).
The login authentication device 60 executes a process for authenticating that a beneficiary, a return provider, an investor, or the like accesses the server 110 with a legitimate authority. Authentication by ID and password, authentication by unique information of devices such as smartphones, and the like are performed.
The server 110 has these devices. The term “OO device” indicates that the CPU (central processing unit) of the server 110 reads and operates a necessary computer program.

  The beneficiary information DB 61 is information about beneficiaries, that is, those who want to receive funds using three-party crowdfunding (individual entrepreneurs, companies, etc.), address, name, representative company name, business plan, It is a database that can contain project plans, financial statements (income statement, balance sheet), cash flow, management philosophy, management profile, etc. As for this beneficiary information, it is considered that a person who wants to receive funds registers necessary information at that time. If this beneficiary is a member of a mutual aid-type member organization in advance and intends to raise funds using that organization, the beneficiary can submit the additional information when he / she wants to receive funds. Information can be registered.

  The return provider information DB 62 is information on a return provider, that is, a person who intends to provide goods and services at a low price (cheap) to investors in order to support beneficiaries in three-party crowdfunding. In addition to address, name, representative name, etc., it is a database that contains information on which beneficiaries can be offered goods or services at what price (how much discount). For information on this price (how much discounts can be made), in addition to general-purpose information (discounts so far regardless of who is the beneficiary), special discount information (if the beneficiary is a specific person, It can also be set hierarchically.

  The investor information DB 63 is information relating to the investor, and is a database of name, address, email address, contact information, settlement information, investment history, and the like. It is possible to limit the investor to members of the member organization for closed crowdfunding, but it is also possible to extend it to outsiders who know through word of mouth from the investor. Anyone may be allowed to invest without limiting their qualifications in advance. It is also possible to seek investment by limiting the places where you live. Even an unregistered investor may read and understand the rules and the like and register in the investor information DB 63 to become a member immediately before the investment.

  The product information DB 64 is information about a product or service provided by the return provider, detailed information about the product or service itself, general popularity of the product or service, and past in three-party crowdfunding. It is a database that can contain the actual results (how much was sold at what price), wholesale price information, etc. As for past performance in three-party crowdfunding, as the performance (number of implementations) increases in the three-party crowdfunding according to the present invention, the performance of selling products or services increases. The past performance can be converted into data using a statistical method and used.

  The product catalog information DB 65 is information about a product catalog created based on the product information DB 64. Create a web page that appeals to investors that the product or service is attractive and show it as a product catalog. Specifically, it is information for displaying a product catalog as shown in FIG. 2, and further, when a photograph showing the product or service is clicked, the detailed contents can be displayed. .

  The reduction rate trial calculation DB 66 is a database having information on the reduction rate trial calculation as shown in FIG. In the three-party crowdfunding according to the present invention, it is the beneficiary that decides to perform the crowdfunding. Then, in order to help the beneficiaries to decide, the manager (secretariat) prepares the return rate trial statement several times and proposes it to the beneficiaries.

  There are five types of products (or services) with a price of 10,000 yen (10,000 yen course) in the reduction rate trial calculation shown in Fig. 3. Products (or services) with a price of 5,000 yen (5,000 yen course) If there are five types, there will be a reduction rate estimate in the situation where the wholesale price is determined by negotiation between the secretariat and the return provider (or the beneficiary if the product is provided by the beneficiary). Has been created. It is possible to propose the number of each product that is expected to sell, as the past performance of the product information DB 64 is enriched, the number according to the actual popularity. In Fig. 3, as five items are sold equally, the 10,000 yen course is 250 and the 5,000 yen course is 500. Collect the total of 5 million yen and multiply the wholesale price by the number of items sold. With the combined number as payment to the product provider, the remaining 1,485,000 yen after subtraction is expected to be procured, and the ratio of 29.7% to 5 million yen is calculated as the reduction rate. is there.

  The operator (the secretariat) can create this reduction rate trial calculation automatically using the reduction rate trial calculation device 53 or semi-automatically with the support. Show the beneficiary's trial calculation report to the beneficiaries and propose to execute three-party crowdfunding. The beneficiary tells the secretariat that he wants to raise a little more money after seeing it. In that case, the secretariat will expand the scope of fund solicitation, increase the time for fund solicitation, increase the number of products, negotiate with return providers to lower wholesale prices, beneficiaries themselves We propose to provide products as return products and take countermeasures. Then, the reduction rate trial calculation is recreated.

  When the operator and the beneficiary reach an agreement and the beneficiary decides to perform three-party crowdfunding, the application period ends from when to when, and how many 10,000 yen courses are reached. . The 5000 yen course ends when it reaches the number of mouths. Prepare and decide. When the preparation of the necessary website is completed by the work of the product catalog editing device 54, the investment soliciting device 56 provides guidance on three-party crowdfunding to members who can become investors by e-mail or the like. The investor accesses the server 110, confirms the information of the beneficiary by the beneficiary information display device 52, selects the product or service as a return for the investment by the function of the product catalog display device 55, And the settlement of investment is made by the function of the investment settlement apparatus 57.

  The statement book DB 67 is a database that stores a statement book (see FIG. 4) created for the purpose of determining the actual payment amount to the product provider and executing the settlement at the end of the application period for investment. It is used in cooperation with the statement book creation device 58. This check sheet includes information on the number of items actually sold. The checkout preparation device 58 extracts information on the number of sold products from the checkout and updates the product information DB 64. The updated information is used when the return rate trial calculation device 53 estimates the number of products that can be sold in the next and subsequent three-party crowdfunding.

  The investment settlement information DB 68 is a database that stores information related to a settlement procedure when an investor invests. Information necessary for confirming that payment is made properly is stored for each payment method that the investor may choose, such as credit card payment, debit card payment, electronic money payment, and convenience store payment. Used in cooperation with the investment settlement apparatus 57.

  The settlement settlement information DB 69 is a database that stores settlement information about a relatively large amount of money exchanged between an operator (secretariat), a beneficiary, and a return provider. Used in cooperation with the settlement settlement apparatus 59.

  Here, the database refers to a collection of information stored in an easy-to-use manner by associating multiple items of information.

≪Pre-processing flow≫
FIG. 7 is a flowchart showing pre-processing (such as a return rate trial calculation process and a product catalog editing process) before execution of crowdfunding. If the beneficiary who wants to receive funding accesses the server 110 and is deemed authorized (Yes in step 701), the beneficiary wants to raise money, the quantity of goods or services that he or she can provide as a return Enter information about desired conditions such as wholesale price, when you want to raise funds. The server 110 acquires it (step 702). Then, the server 10 (reduction rate estimation device 53) refers to the product information DB 63, the return provider information DB 62, etc. (step 703), extracts necessary information, and satisfies the beneficiary's wishes. A trial statement 20 (see FIG. 3) is created (step 704). If the beneficiary can determine whether or not to proceed with the contents shown in the created return rate trial calculation form 20, the beneficiary displays the intention (Yes in step 705). In response to this, the server 110 (product catalog editing device 54) proceeds to product catalog creation (step 706) and ends the pre-processing. Although omitted in the flowchart, the created product catalog is stored in the product catalog information DB.

  If the beneficiary cannot agree with the return rate trial calculation prepared in step 704, the process from step 702 is repeated (No in step 705 and returns to step 702). If the beneficiaries do not achieve what they want by computer-only automatic processing, the operator's secretariat staff will intervene to negotiate the quantity and wholesale price of the goods or services provided by the return provider. By doing so, it is possible to aim for a return rate trial report that satisfies the beneficiaries.

≪Cloud funding process flow≫
FIG. 8 is a flowchart showing a crowdfunding execution process (such as a process for recruiting investors and paying for the purchase of goods by the investors). When the investment soliciting device 56 of the server 110 notifies the investor by an e-mail magazine or a web advertisement, the investor knows that crowd funding will be implemented and accesses this site. If the investor has already registered as a member and has the authority to access the server 110, it is determined in step 801 that the authority is authorized. The server 110 (product catalog display device 55) displays the product catalog 10 shown in FIG. 2 to the investor (step 802).

  If the investor wishes, the beneficiary information display device 52 displays the beneficiary information, that is, the contents of the project, the profile of the manager, and the like. If necessary, the investor decides the product or service to be purchased by referring to the detailed information on the content of the product or service, and presses the purchase button. The server 110 (the investment settlement apparatus 57) acquires the selection information selected by the investor pressing the purchase button (step 803). The server 110 (the investment settlement apparatus 57) creates and displays a confirmation screen for the investment content (step 804). If the investor confirms and agrees (Yes in step 805), the investor makes a settlement. The server 110 (the investment settlement apparatus 57) executes a settlement process (Step 806). Thereafter, the server 110 (investment settlement apparatus 57) updates the database such as the investment settlement information DB 68 based on the contents (step 807).

If the investor cannot agree on the display content of the confirmation screen in step 805, No is selected in step 805. And it returns to the process after step 802.
If it is determined in step 801 that the user is not authorized, the member registration process may be performed on the spot, and the process may proceed to step 802 and subsequent steps (No in step 801, step 808, step 801). Yes).
Since the present invention is a crowdfunding system, the number of investors is large, and the process of FIG. 8 is repeated several times during the period for seeking investment.

≪Post-processing flow≫
FIG. 9 is a flowchart showing processing after execution of crowdfunding (processing in which product exchange is completed and settlement is performed among the operator, beneficiary, and return provider). In the post-processing in FIG. 9, when it is determined that the authority on the operator side accesses the server 110 and is determined to be authorized (Yes in step 901), the server 110 (check report creation device 58) The process (step 902) which produces the account book 30 shown is performed. Based on the contents of the checkout, the server 110 (the checkout settlement apparatus 58) executes money exchange between the operator, the beneficiary, and the return provider. This process can be a bank transfer process by a computer. The computer may output a printout of the transfer contents on paper, and humans may perform the transfer process. The server 110 (the payment statement creation device 58 or the payment settlement device 59) calculates the popularity of the product based on the quantity of the return product actually purchased (step 904), and rewrites the popularity of the product in the product information DB 64. (Step 905). The popularity of the product can be expressed as a percentage such that, for example, among the 250 items sold for 5 types of 10,000 yen course items, 74 items were sold, so the popularity was 29.6%. . The information on the checkout is stored in the checkout DB 67 and the information related to the checkout is stored in the checkout settlement information DB 69.
If an unauthorized person tries to perform the process shown in FIG. 9, it is determined No in step 901.

FIG. 10 is a sequence diagram showing an exchange performed between the server, the operator terminal, the beneficiary terminal, the return provider terminal, and the investor terminal.
Information on beneficiaries, operators, return providers, and information on return products are already registered in the server. The beneficiary wishes to raise funds, accesses the server, and inputs the desired conditions (procurement time, amount, etc.). In response to this, the server creates a return rate trial report based on information such as the popularity degree and wholesale price of the product in the product information database, interacts with the beneficiaries, and creates a product catalog when agreement is reached. When the crowdfunding plan including the period for soliciting investment is determined, the beneficiary, operator, return provider, and investor are notified.

An investor who knows that crowdfunding will be implemented accesses the server within the period, selects a return product, and presses a purchase button to make a settlement. The server updates various databases after performing product selection and payment processing. This process is repeated for a plurality of investors.
When the period for soliciting investment ends, the operator accesses the server and creates an account statement. Then, money is exchanged between the operator, the return provider, and the beneficiary to execute settlement (settlement settlement). Specifically, the secretariat pays the product price to the return provider, and the beneficiary is handed over the procured funds.

Further, in the server, the popularity is calculated from the information about which product is purchased at what ratio in the actually traded product and stored in the database.
This popularity will be the basis for preparing a trial calculation of the return rate in the next and subsequent crowdfunding.

As described above, the three-party crowdfunding system according to the present invention is
A server computer that operates three-party crowdfunding, an operator terminal that is used by an operator who operates the three-party crowdfunding, a beneficiary terminal that is used by a beneficiary who receives funds, and an investor's investment A three-party crowdfunding system in which a return provider terminal used by a return provider that provides a return product as a reward for and an investor terminal used by an investor is connected via the Internet,
The server computer
Prior to the execution of three-party crowdfunding, an expected return rate indicating how much the beneficiary can raise funds is predicted based on factors including popularity and cost of multiple return products. A reduction rate trial calculation device for creating a reduction rate trial calculation
A product catalog display device that displays a product catalog describing the contents of a plurality of products provided by the beneficiary and the return provider in association with the amount of funds provided by the investor;
An investment settlement device that executes settlement for the investor to purchase products described in the product catalog displayed by the product catalog display device;
Based on the payment made by the investment settlement device, the payment amount is calculated by multiplying the return provider by the number of sold return products and the wholesale price of the product after the expiration date of the product exchange for exchanging the product. And a statement book creation device for creating a statement book for calculating the amount of funds to be handed over to a person. Thereby, the investor can make an investment based on the attractiveness of the return product without having to judge the management ability of the beneficiary.

In the three-party crowdfunding system according to the present invention,
The server computer
A product information database having information about the popularity of the product,
The check book preparation device extracts information including the number of sold return products from the check book, processes the information into popularity degree information of the product, and stores the information in the product information database. This makes it possible to use the actual purchase results as the popularity of the product.

Furthermore, in the three-party crowdfunding system according to the present invention,
The return rate trial calculation device uses the popularity of return merchandise based on the performance of past three-party crowdfunding when creating the return rate trial calculation. This increases the reliability of the calculated reduction rate.

<< Modified Example 1: Establishing a server having the same function for each region or group, and sharing the popularity information of the return product among a plurality of servers >>
FIG. 11 is a block diagram showing a modified embodiment in which a server is set up for each region or group and information on the popularity of return merchandise is shared among a plurality of servers.
Here, servers having a plurality of similar functions up to servers 110, 111, 112, 113,. In FIG. 11, the terminals of the operator, beneficiary, return provider, and investor are not shown.
By making each server function independently, it becomes possible to cope with the case where it is desired to protect security more strongly in each region or organization. In addition, the concentration of processing on the server can be reduced. In such a modified embodiment, it is possible to change the popularity of products that are independently registered in each server, and to exchange and share among the plurality of servers. Become.
In that case, depending on the beneficiary's request, it is possible to select which group (or region) is popular to create a return rate trial report.

<< Modified Example 2: Estimated Value and Actual Value of Reduction Rate >>
In the reduction rate trial calculation shown in FIG. 3, the reduction rate was calculated to be 29.7%, and in the actual payment statement (FIG. 4), the reduction rate was 28%. As described above, the reduction rate in the trial calculation of the reduction rate usually differs from the actual value. This difference can be obtained as statistical data in every crowdfunding.
When multiple similar servers are functioning independently, the beneficiary is able to statistically analyze the difference between each server and the relationship between the popularity of the product and the result of using the server. Can be used as a reference when selecting the popularity degree data.

  This crowdfunding system can be used particularly when funds are raised using a mutual aid type membership organization.

DESCRIPTION OF SYMBOLS 10 Product catalog 20 Reduction rate trial statement 30 Checkout statement 41, ..., 49 Investor terminal 50 Security management device 51 Beneficiary information editing device 52 Beneficiary information display device 53 Reduction rate trial calculation device 54 Product catalog editing device 55 Product catalog display device 56 Investment Recruitment Device 57 Investment Settlement Device 58 Settlement Form Creation Device 59 Settlement Settlement Device 60 Login Authentication Device 61 Beneficiary Information DB
62 Return provider information DB
63 Investor Information DB
64 product information DB
65 Product Catalog Information DB
66 Reduction rate trial calculation DB
67 Checkbook DB
68 Investment Settlement Information DB
69 Settlement settlement information DB
110, 111, ..., 119 Server (computer)
120 Operator terminal 130 Beneficiary terminal 140,..., 149 Return provider terminal

Claims (5)

A server computer that operates three-party crowdfunding, an operator terminal that is used by an operator who operates the three-party crowdfunding, a beneficiary terminal that is used by a beneficiary who receives funds, and an investor's investment A three-party crowdfunding system in which a return provider terminal used by a return provider that provides a return product as a reward for and an investor terminal used by an investor is connected via the Internet,
The server computer
Prior to the execution of three-party crowdfunding, an expected return rate indicating how much the beneficiary can raise funds is predicted based on factors including popularity and cost of multiple return products. A reduction rate trial calculation device for creating a reduction rate trial calculation
A product catalog display device that displays a product catalog describing the contents of a plurality of products provided by the beneficiary and the return provider in association with the amount of funds provided by the investor;
An investment settlement device that executes settlement for the investor to purchase products described in the product catalog displayed by the product catalog display device;
Based on the payment made by the investment settlement device, the payment amount is calculated by multiplying the return provider by the number of sold return products and the wholesale price of the product after the expiration date of the product exchange for exchanging the product. A three-party crowdfunding system having a statement book creation device for creating a statement book for calculating the amount of funds to be handed over to a person. The server computer
A product information database having information about the popularity of the product,
The payment statement creation device extracts information including the number of sold return products from the statement, processes the information into popularity information of the product, and stores the information in the product information database. Item 3. The three-party crowdfunding system according to item 1 . 3. The three-partner according to claim 2 , wherein the return rate trial calculation device uses the popularity of the return product based on the performance of the past three-party crowdfunding in creating the return rate trial calculation. Type crowdfunding system. 4. The server computer according to claim 2, wherein a plurality of the server computers are provided for each region or group, function independently of each other, and exchange information on popularity of the product among the plurality of server computers. The three-party crowdfunding system described in 1. 5. The server computer according to claim 1, wherein the server computer acquires a difference between the return rate and the actual value in the return rate trial calculation form as statistical data in every crowdfunding. The three-party crowdfunding system described in the paragraph.

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