Social impact presentation system, information processing apparatus, and information processing method

Abstract

To calculate social impact with appropriate contents, the social impact being caused by a project conducted by a fund provision object person having received the fund provision from a funder.SOLUTION: A social impact presentation system includes: an impact-related information acquisition unit 11 which acquires impact-related information contributing to quantification of social impact which is caused by a project conducted by a fund provision object person having received the fund provision from a funder, at a plurality of periodic or non-periodic timings from the start of fund management; and a quantitative impact calculation unit 13 which calculates, based on the acquired impact-related information, quantitative impact which is quantitative social impact, at each of the plurality of timings. The social impact presentation system is configured to calculate the quantitative social impact with appropriate contents by calculating the quantitative social impact so as to be monitored at each of the plurality of periodic or non-periodic timings.SELECTED DRAWING: Figure 2

Description

Technical Field

[0001] The present invention relates to a social impact presentation system, an information processing apparatus, and an information processing method, and is particularly suitable for use in a system for visualizing the social impact generated by a business conducted by a fund recipient who has received funds from a fund provider such as an investor.

Background Art

[0002] Since the "International Goals for Sustainable Development (SDGs)" were proposed at the United Nations Summit in 2015, attention has been increasing for more public-interest and long-term sustainable businesses. In recent years, investment activities called impact investment have also attracted attention. Impact investment is an investment behavior that aims not only to obtain an economic return but also to simultaneously generate a social impact, which is a social or environmental outcome, through a business or activity. Against this background, there is a demand for constructing a mechanism to accelerate investment in socially beneficial businesses by visualizing the social impact generated by the activities of business undertakers in response to investment by investors.

[0003] On the other hand, technologies for evaluating and visualizing the social impact of a business with less effort are known (see, for example, Patent Document 1). In the business evaluation apparatus described in this Patent Document 1, a business theory creation program generates a business theory template based on information extracted from a database according to the type of business, and a user inputs the results and outcomes of the business using the indicators set in this business theory template. Then, a social impact evaluation program generates an evaluation result of the social impact of the business by converting the input results and outcomes of the business into quantitative and qualitative forms. Further, a report creation program generates a report template, and the user inputs the evaluation result of the social impact of the business generated as described above using this report template to create an impact report regarding the business.

Prior Art Documents

Patent Documents

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2022-77772 [Summary of the Invention] [Problems to be Solved by the Invention]

[0005] According to the description of Patent Document 1 above, by using the technology described in Patent Document 1, it is possible to reduce the human and time burdens required for the social impact evaluation of various businesses, and it is also possible to provide standard methods and evaluation criteria for the social impact evaluation of various businesses. However, although Patent Document 1 discloses that reports should be created according to various report formats for recipients of reports (governments and licensing bodies), implementers of businesses, beneficiaries of businesses, evaluators of businesses, supporters of evaluators (accompanying persons), etc., it does not disclose how to appropriately calculate the impact amount for investors who have made impact investments.

[0006] In the technology described in Patent Document 1, it is attempted to ensure the appropriateness of social impact evaluation by having two or more users with different user attributes evaluate. However, the more types of evaluators there are, the more costly it becomes. In particular, in impact investments where the investment amount per investment target recipient receiving investment is small, it is difficult to make a profit and continuity is difficult. Therefore, it is necessary to be able to accurately calculate the impact amount even with a limited number of evaluators.

[0007] The present invention has been made to solve such problems, and an object thereof is to enable the appropriate calculation of the social impact generated by a business conducted by a fund recipient who has received funding from a fund provider such as an investor. [Means for Solving the Problems]

[0008] In order to solve the above-described problems, in the present invention, impact-related information that contributes to the quantification of the social impact generated by the business conducted by the fund recipient who has received a fund contribution from a fund provider is acquired at a plurality of regular or irregular timings from the start of the fund operation, and based on the acquired impact-related information, a quantitative impact, which is a quantitative social impact, is calculated for each of the plurality of timings.

Effect of the Invention

[0009] According to the present invention configured as described above, it is possible to calculate in such a form that the quantitative social impact generated by the business conducted by the fund recipient who has received a fund contribution from a fund provider such as investment, donation, lending, etc. is monitored at a plurality of regular or irregular timings, so that the social impact can be calculated with appropriate content.

Brief Description of the Drawings

[0010]

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Mode for Carrying Out the Invention

[0011] (First Embodiment) Hereinafter, a first embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a diagram showing an overall configuration example of a social impact presentation system according to the first embodiment. As shown in FIG. 1, the social impact presentation system of the present embodiment includes an investor terminal 10, an investment target terminal 20A, an operation manager terminal 20B, a portfolio manager terminal 20C, an information collection server 30, an investment management server 40, and an impact management server 100. The impact management server 100 corresponds to the information processing apparatus in the claims.

[0012] The investor terminal 10 is a terminal used by an investor who makes an impact investment in a desired business or a business operator (either an individual or a corporation) that conducts the business, and is composed of a personal computer, a smartphone, a tablet, or the like. The investor terminal 10 is provided with a web browser, and the investor can browse a web page provided from the investment management server 40 or the impact management server 100 through the web browser, or input information through the web page.

[0013] The investee terminal 20A is a terminal used by an investee who receives investments from investors, and is composed of a personal computer, a smartphone, a tablet, or the like. The investee terminal 20A is equipped with a web browser, and the investee can view web pages provided by the information collection server 30 or input information through the web pages through the web browser.

[0014] In addition, in this embodiment, the case where an operator receives investments from investors and conducts business will be described, but it can be widely applied to the case where an operator receives funding from a fund provider and conducts business. The fund provider may be any fund provider including, in addition to investors, those who provide donations, subsidies, grants, etc., and those who lend money at financial institutions. The fund recipient refers to the recipient of the provided funds who creates an impact by receiving the funds. Therefore, in the following description, "investor" can be read as "fund provider", "investee" can be read as "fund recipient", and "investment operation" can be read as "fund operation".

[0015] The operation manager terminal 20B is a terminal used by an operation manager who manages the operation of the business conducted by the investee, and is composed of a personal computer, a smartphone, a tablet, or the like. The operation manager terminal 20B is equipped with a web browser, and the operation manager can view web pages provided by the information collection server 30 or input information through the web pages through the web browser.

[0016] The portfolio manager terminal 20C is a terminal used by a portfolio manager related to the business conducted by the investee, and is composed of a personal computer, a smartphone, a tablet, or the like. A plurality of investees belong to the portfolio, and the investees conduct business under the management of the portfolio. The portfolio manager terminal 20C is equipped with a web browser, and the portfolio manager can view web pages provided by the information collection server 30 or input information through the web pages through the web browser.

[0017] In the following description, the investor terminal 20A, the operation manager terminal 20B, and the syndicate manager terminal 20C may be collectively referred to as the business-related person terminal 20. Also, the investor, the operation manager, and the syndicate manager may be collectively referred to as business-related persons. Note that depending on the content of the business implemented by the investor, at least one of the operation manager and the syndicate manager may not be involved in the implementation of the business. In this case, at least one of the operation manager terminal 20B and the syndicate manager terminal 20C may not be necessary.

[0018] The impact information collection server 30 collects impact-related information from the business-related person terminal 20 that contributes to visualizing the social impact generated by the business conducted by the investee who has received investment from investors. The impact-related information includes at least information that contributes to quantifying the social impact, and may further include information that contributes to qualifying the social impact. Details of the impact-related information will be described later. Note that in the following description, what manages whether an investment actually creates both social impact and economic return from the perspective of the investor may be referred to as an investment manager. There are cases where the business-related person and the investment manager are the same, but for the sake of convenience, it is referred to as an investment manager when explaining from the perspective of the investor.

[0019] The impact information collection server 30 collects information that contributes to quantifying the social impact and information that contributes to qualifying the social impact from the business-related person terminal 20 in a predetermined format. For example, the impact information collection server 30 provides a web page for information input in a predetermined format including predetermined information input items to the business-related person terminal 20, and collects impact-related information input from the business-related person terminal 20 through the web page for information input. By collecting information based on a predetermined format, a certain quality of the information can be ensured. In particular, information that contributes to qualifying the social impact is likely to have a greater variation than information that contributes to quantifying the social impact, but it is possible to ensure a certain quality by collecting information based on a predetermined format.

[0020] Web pages for information input in a specified format are prepared in advance for each category of business, for example. By selecting the category corresponding to the business to be conducted, business-related parties can display on the web browser of the business-related party terminal 20 the information input web page corresponding to the selected category, input impact-related information into the information input items included in the information input web page, and transmit it to the information collection server 30. The information collection server 30 provides the impact-related information collected from the business-related party terminal 20 to the impact management server 100.

[0021] The investment management server 40 is a device for managing investments from investors. For example, the investment management server 40 executes processes related to crowdfunding. The processes related to crowdfunding include processes related to soliciting business support requests from investment targets, processes related to soliciting capital contributions from investors for supported businesses, processes related to providing and operating funds raised from multiple investors to investment targets, processes related to managing the results of business implementation by investment targets, processes related to calculating economic returns for investors based on the results of business implementation, and the like. The investment management server 40 provides at least a part of the investment-related information obtained through these processes to the impact management server 100.

[0022] Note that the investments managed by the investment management server 40 are not limited to crowdfunding. Any fund for a business is acceptable. For example, it may be a fund in the form of an investment trust or an investment business combination implemented by a financial institution. Also, the investment does not necessarily have to be a fund. It may be a one-to-one form of investment from an investor composed of one person or one group to an investment target composed of one person or one group.

[0023] The various types of information provided from the information collection server 30 and the investment management server 40 to the impact management server 100 are managed by being associated with, for example, an investor ID that uniquely identifies each investor and an investee ID that uniquely identifies each investee. Based on the information provided from the information collection server 30 and the investment management server 40, the impact management server 100 executes various processes related to visualizing the social impact generated by the business conducted by the investee that has received investment from the investor. The specific details of the various processes will be described later with reference to the drawings after FIG. 2.

[0024] In the present embodiment, the impact management server 100 visualizes the social impact in the form of a report and provides the report to the investor terminal 10. The report may be provided to the investor through a web page, or may be provided by sending an email (either in the email body or as an attached file), or may be provided by sending a printed document to the investor's address.

[0025] Here, a configuration in which the impact management server 100 and the information collection server 30 exist separately has been described. However, the impact management server 100 may be provided with the functions of the information collection server 30. Also, here, a configuration in which the impact management server 100 acquires information related to investment from the investment management server 40 has been described. However, it may be acquired by other means. For example, information exported to a predetermined data file from the investment management server 40 may be imported, or an operator may manually input the necessary information based on the information exported to a predetermined data file from the investment management server 40 or the printed information, and the information related to investment may be acquired in this way. Similarly, the impact management server 100 may be provided with the functions of the investment management server 40.

[0026] FIG. 2 is a block diagram showing a functional configuration example of the impact management server 100 according to the first embodiment. As shown in FIG. 2, the impact management server 100 according to the first embodiment includes, as functional components, an impact-related information acquisition unit 11, an investment-related information acquisition unit 12, a quantitative impact calculation unit 13, a qualitative impact evaluation unit 14, a report creation unit 15, and a report presentation unit 16. The quantitative impact calculation unit 13 includes, as specific functional components, a planned impact calculation unit 13A and an actual impact calculation unit 13B.

[0027] The above functional blocks 11 to 16 can be configured by any of hardware, DSP (Digital Signal Processor), and software. For example, when configured by software, the above functional blocks 11 to 16 are actually configured with a computer's CPU, RAM, ROM, etc., and are realized by the operation of a program stored in a storage medium such as RAM, ROM, hard disk, or semiconductor memory.

[0028] The impact-related information acquisition unit 11 acquires from the information collection server 30 information that contributes to the quantification of the social impact generated by the business conducted by the investee who has received investment from the investor (information that contributes to the visualization of quantitative social impact). In addition, the impact-related information acquisition unit 11 acquires from the information collection server 30 information that contributes to the qualification of the social impact generated by the business conducted by the investee (information that contributes to the visualization of qualitative social impact). In the following description, quantitative social impact is referred to as quantitative impact, and qualitative social impact is referred to as qualitative impact. Also, information that contributes to the quantification and qualification of social impact is referred to as impact-related information.

[0029] The investment-related information acquisition unit 12 acquires information related to investment (hereinafter referred to as investment-related information) from the investment management server 40. The investment-related information includes information about the investor, information about the investee, information indicating the investment operation period, information indicating the economic return to the investor, and the like.

[0030] The impact-related information acquisition unit 11 and the investment-related information acquisition unit 12 acquire impact-related information and investment-related information at a plurality of regular or irregular timings from the start of the investment operation, and store the acquired information in a storage medium for preservation. The start of the investment operation means, for example, when the fundraising period of a crowdfunding or an investment operation fund for institutional investors ends, and the funds raised from a plurality of investors are provided to the investment target and the operation is started. The start of the investment operation can be recognized by the investment-related information acquired by the investment-related information acquisition unit 12 from the investment management server 40.

[0031] The plurality of regular or irregular timings for acquiring information are, for example, the timings for creating reports on social impact. The regular timing is, for example, the timing every month. The irregular timing is the timing for creating a report specially other than the regular timing. The irregular timing can be arbitrarily specified by the administrator of the impact management server 100, for example. Note that since there may be a case where a report is created after a certain period has elapsed after the information is acquired, the timings of information acquisition and report creation do not necessarily have to exactly match. Also, the information acquired at a plurality of timings may be used not only for creating the above-mentioned reports, but also for the investment manager to confirm whether an impact is being created. In the latter case, a report for investors may not be created.

[0032] The quantitative impact calculation unit 13 calculates the quantitative impact generated by the implementation of the business of the investment target based on the impact-related information acquired by the impact-related information acquisition unit 11 and the investment-related information acquired by the investment-related information acquisition unit 12. Here, the quantitative impact calculation unit 13 calculates the quantitative impact for each of the above-mentioned plurality of timings. The quantitative impact calculation unit 13 stores the calculated quantitative impact in a storage medium for preservation so that it can be used for creating the current and subsequent reports.

[0033] The quantitative impact calculation unit 13 calculates two types of quantitative impacts by the planned impact calculation unit 13A and the actual impact calculation unit 13B. The planned impact calculation unit 13A calculates the estimated amount of the quantitative impact that may be generated by the implementation of the business during a predetermined long reporting target period from the start of the investment operation. The actual impact calculation unit 13B calculates the actual amount of the quantitative impact actually generated by the investee's implementation of the business after the start of the investment operation for each of the above-mentioned multiple timings.

[0034] The reporting target period is a period set as the calculation target period of the quantitative impact to be included in the report, and includes the investment operation period (fund operation period) and the monitoring period after the end of the operation period. The fund operation period is determined in advance for each crowdfunding or investment fund implemented by the investment management server 40, and information indicating the operation period is included in the investment-related information. Alternatively, it is also possible for the administrator of the investment management server 40 to arbitrarily set the operation period according to the content of the business implemented by the investee.

[0035] The monitoring period is a period during which the calculation of the actual amount of the quantitative impact continues even after the end of the fund operation period. The monitoring period may be determined in advance for each crowdfunding implemented by the investment management server 40, or may be arbitrarily determined by the administrator of the impact management server 100 according to the content of the business implemented by the investee.

[0036] Note that it is also possible to calculate the estimated amount of the quantitative impact for a period longer than the sum of the fund operation period and the monitoring period. In this case, the reporting target period further includes the period after the end of the monitoring period. The target period for the planned impact calculation unit 13A to calculate the estimated amount of the quantitative impact is the entire reporting target period. The multiple timings for the actual impact calculation unit 13B to calculate the actual amount of the quantitative impact include the timings during the fund operation period and the timings during the monitoring period.

[0037] In this embodiment, the investors, the investment targets, the content of the business conducted by the investment targets, etc. are arbitrary. As an example, the investment target is an individual who conducts a business by receiving investment from an investor, and the quantitative impact calculated by the quantitative impact calculation unit 13 can include the increase in the income obtained from the business conducted using the equipment purchased by the investment target through a loan, from the original income before starting the business.

[0038] In this case, the investment target is assumed to be an individual in the poverty-stricken layer who does not have the self-owned funds necessary for implementing the business and cannot take out a loan. If this type of investment target takes out a loan based on the funds raised from the fund to purchase equipment and starts a business, it can be expected that the income will increase significantly. The quantitative impact calculation unit 13 calculates this income increase amount as the quantitative impact.

[0039] Here, the loan repayment period is set to be the same as the fund operation period. The quantitative impact calculation unit 13 calculates, for the fund operation period, the income increase amount obtained by subtracting the original income before starting the business from the income after loan repayment as the quantitative impact. The income after loan repayment is the amount obtained by subtracting the monthly or annual loan repayment amount from the actual income obtained by conducting the business. Also, the quantitative impact calculation unit 13 calculates, for the period after the end of the fund operation period, the income increase amount obtained by subtracting the original income before starting the business from the actual income as the quantitative impact.

[0040] FIG. 3 is a diagram schematically showing an example of the estimated amount of quantitative impact calculated by the planned impact calculation unit 13A. In FIG. 3, the horizontal axis represents time, and the vertical axis represents monthly income. In the example of FIG. 3, the operation period is set to 36 months from the start of the fund operation. This fund operation period is the same period as the loan repayment period. Also, several months from the end of the fund operation period are set as the monitoring period. Further, the period from the start of the fund operation to the end of the useful life of the equipment purchased by the investment target is set as the reporting target period. The reporting target period in this case is longer than the sum of the fund operation period and the monitoring period.

[0041] In FIG. 3, IC0 represents the original income before the start of the business, IC1 represents the income after loan repayment during the fund operation period after the start of the business, and IC2 represents the actual income after the end of the fund operation period. The income of the investment target increases significantly in a short period due to the start of the business, and then remains at a certain amount. Since there is a loan repayment amount during the fund operation period, the income after loan repayment IC1 is lower than the actual income IC2, but it will change to the actual income IC2 after the end of the loan repayment period.

[0042] In the example of FIG. 3, the planned impact calculation unit 13A calculates the difference between the income IC1 after loan repayment and the original income IC0 as the estimated amount of quantitative impact during the fund operation period, and calculates the difference between the actual income IC2 and the original income IC0 as the estimated amount of quantitative impact during the period after the end of the fund operation period. The original income IC0, the income IC1 after loan repayment (or the loan repayment amount), and the actual income IC2 are included in the impact-related information acquired by the impact-related information acquisition unit 11.

[0043] Here, the planned impact calculation unit 13A calculates the estimated amount of quantitative impact during the reporting target period (during the fund operation period and after the operation period ends) based on the impact-related information acquired by the impact-related information acquisition unit 11 at the timing after a predetermined period from the start of the fund operation period. The timing after the predetermined period is the timing when the revenue amount is expected to stabilize almost constantly. For example, it can be the timing four months after the start of the fund operation (the first quarter). Note that it may be possible to determine whether the revenue amount has stabilized by acquiring the impact-related information several times. In this case, the planned impact calculation unit 13A makes a statistical determination by looking at the rate of change of the revenue amount. Since the steady revenue amounts vary among individual investors, more accurate estimated amounts can be obtained by acquiring the information multiple times.

[0044] The planned impact calculation unit 13A may recalculate the estimated amount of quantitative impact in the period after the end of the fund operation period based on the impact-related information acquired by the impact-related information acquisition unit 11 at the end of the fund operation period or at a later timing. This is because there may be a difference between the actual revenue IC2 at that time acquired as impact-related information four months after the start of the fund operation and the most recent revenue IC2 acquired as impact-related information after the end of the 36-month operation period. By recalculating the estimated amount of quantitative impact in the period after the end of the fund operation period based on the most recent revenue IC2, a more accurate estimated amount can be obtained.

[0045] The planned impact calculation unit 13A may calculate the total amount of the estimated amounts of quantitative impact during the reporting target period. Similarly, the actual impact calculation unit 13B may calculate the total amount of the actual amounts of quantitative impact from the start of the fund operation to the current timing. In the example of Figure 3, the total amount of the estimated amounts of quantitative impact during the reporting target period corresponds to the total amount of the areas indicated by the hatching and can be approximated by the following formula. IC1×36 months + IC2×(Reporting period - 36 months) - IC0×Reporting period

[0046] When there are one or more individuals (for example, multiple individuals belonging to a business partnership) as investment targets who conduct business by raising funds from a fund, the Impact-related Information Acquisition Unit 11 acquires impact-related information regarding each of the one or more individuals. Then, the Quantitative Impact Calculation Unit 13 may calculate the estimated amount and the actual amount of the quantitative impact per person for each individual based on the impact-related information regarding the one or more individuals acquired by the Impact-related Information Acquisition Unit 11. The estimated amount of the quantitative impact per person is as illustrated in FIG. 3.

[0047] In addition to this, the Quantitative Impact Calculation Unit 13 may calculate the estimated amount and the actual amount of the quantitative impact of the entire fund. The quantitative impact of the entire fund can be obtained by summing up the quantitative impact per person calculated for each individual. Also, when calculating the estimated amount of the quantitative impact of the entire fund, the estimated amount of the quantitative impact of the entire fund may be calculated according to a function including a loss rate determined in consideration of the possibility that there may be investment targets who leave the business during the reporting period. The estimated amount of the quantitative impact of the entire fund in this case can be calculated by the following formula. Σ(Total estimated amount of quantitative impact per person for the number of people)×(1 - loss rate)

[0048] The Qualitative Impact Evaluation Unit 14 evaluates whether the life of the investment target has been qualitatively improved compared to before starting the business based on the impact-related information (especially information contributing to the quantification of the social impact) acquired by the Impact-related Information Acquisition Unit 11. The Qualitative Impact Evaluation Unit 14 stores and saves the evaluation result of the quantitative impact in a storage medium for use in the creation of this and future reports.

[0049] Information that contributes to the quantification of social impact includes, for example, images, videos, interview articles, questionnaire response information, etc., that show the living conditions of the investment target. The qualitative impact evaluation unit 14 evaluates whether life has improved, for example, based on questionnaire response information. Alternatively, the qualitative impact evaluation unit 14 may evaluate whether life has improved by performing natural language analysis on the text of the interview article to extract words and analyzing whether the extracted words match keywords that have been previously registered as words indicating that life has improved. Further, the qualitative impact evaluation unit 14 may evaluate whether life has improved by performing speech recognition on the spoken voice included in the video to convert it into text and analyzing whether the words extracted from the text by natural language analysis match the keywords.

[0050] Note that the qualitative impact may be classified into multiple categories, and it may be evaluated for each category whether the life of the investment target has been qualitatively improved compared to before starting the business. The categories can be, for example, three categories of clothing, food, and housing. Further, categories such as savings and education may be added.

[0051] The report creation unit 15 creates a report including the quantitative impact calculated by the quantitative impact calculation unit 13 and the qualitative impact evaluated by the qualitative impact evaluation unit 14. In addition to the evaluation results by the qualitative impact evaluation unit 14, a report may be created that includes information contributing to the quantification of social impact (such as images, videos, interview articles, questionnaire response information, etc., that show the living conditions of the investment target) obtained by the impact-related information acquisition unit 11. Further, in addition to the quantitative impact and the qualitative impact, a report may be created that includes the economic return on the investment obtained by the investment-related information acquisition unit 12. Note that in the case of donations, etc., where the fund provision by the fund provider is not for the purpose of obtaining profit, the information on the economic return may not be included in the report.

[0052] Regarding quantitative impact, create a report in which the estimated and actual amounts of quantitative impact are visualized. Regarding qualitative impact, create a report in which it is visualized that the life of the investee has been qualitatively improved compared to before starting the business. For individual investors with a strong sense of social contribution thinking, there is a tendency to more easily perceive qualitative effects than quantitative effects. Therefore, by creating a report that shows changes in the life situation of the investee before and after investment, it is expected to attract investors who value social impact even if the economic return is weak, and to create an even greater social impact.

[0053] Here, the report creation unit 15 may create a report in which the change in the actual amount of quantitative impact calculated by the actual impact calculation unit 13B at a plurality of timings is visualized. For example, it is possible to create a report including the previous actual amount of quantitative impact and the current actual amount of quantitative impact, or a report including the difference in quantitative impact between the previous and current times. Alternatively, the actual impact calculation unit 13B may accumulate the actual amounts of quantitative impact calculated at a plurality of timings for each of the plurality of timings, and the report creation unit 15 may create a report in which the cumulative value of the actual amounts of quantitative impact is visualized for each of the plurality of timings.

[0054] In addition to the actual amount of quantitative impact, a report in which the cumulative value of the estimated amount of quantitative impact is also visualized may be created. In this case, the planned impact calculation unit 12A accumulates the estimated amounts of quantitative impact at a plurality of time points during the reporting target period for each of the plurality of time points. The report creation unit 15 creates a report in which the cumulative value of the actual amounts of quantitative impact is visualized for each of the plurality of timings, and at the same time, the cumulative value of the estimated amounts of quantitative impact is visualized for each of the plurality of time points.

[0055] FIG. 4 is a diagram showing an example of information in which the estimated amount and the actual amount of quantitative impact are visualized as cumulative values. FIG. 4 shows a line graph drawn based on the example shown in FIG. 3, with the horizontal axis representing time and the vertical axis representing the cumulative value of the increase in income. FIG. 4(a) shows the line graph included in the third timing report created during the fund operation period. FIG. 4(b) shows the line graph included in the report created at the end of the fund operation period.

[0056] In FIG. 4(a), the line graph AP of the actual amount C shows the actual amounts of quantitative impact for three times as cumulative values. The line graphs EX1 and EX2 of the estimated amounts show the estimated amounts during the operation period and the estimated amounts after the operation period as cumulative values. As explained in FIG. 3, the estimated amount of quantitative impact is calculated on the premise that the income IC2 of the investors after starting the business changes at a constant value, and when represented as a cumulative value, it becomes a rising straight line. The slope of the straight line EX1 during the fund operation period is due to the income IC1 after loan repayment, and the slope of the straight line EX2 after the fund operation period is due to the actual income IC2. Since loan repayment disappears as the fund operation period elapses, the slope of the straight line EX2 becomes larger than the slope of the straight line EX1 thereafter.

[0057] In FIG. 4(b), the line graph AP of the actual amount C ’ shows the actual amounts of quantitative impact calculated for each of a plurality of timings during the fund operation period as cumulative values. The line graphs EX1 and EX2 of the estimated amounts are the same as those in FIG. 4(a). In FIG. 4(b), the straight line EX2’ after the fund operation period is added. This straight line EX2’ shows the cumulative value of the estimated amount of quantitative impact recalculated based on the impact-related information acquired by the impact-related information acquisition unit 11 at the timing of the end of the fund operation period. In the example of FIG. 4(b), the slope of the straight line EX2’ is larger than the slope of the straight line EX2. Thus, it is possible to visually confirm at a glance that the actual performance has improved compared to the initial plan.

[0058] In addition, when there are multiple individual investment targets for conducting business, the investor should be able to select any investment target from among them for investment, and a report should be created in which the social impact regarding the selected investment target and the social impact of the entire fund are visualized. For example, a web page for selecting investment targets is displayed on the investor terminal 10. When the investor selects a business they wish to invest in, a list of multiple investment candidates belonging to the portfolio related to that business is displayed. The investor selects a desired investment target from this list of candidates. The report creation unit 15 creates a report in which the social impact regarding the investment target selected in this way and the social impact of the entire fund are visualized. By enabling the investor to select the investment target themselves, it is possible to improve the investor's motivation for investment. Note that since it is an important point that the investor can see the face of the investment target they have invested in, the selection itself may be performed by the system rather than the investor.

[0059] FIG. 5 is a diagram showing an example of a report created by the report creation unit 15. This report visualizes the social impact regarding three investment targets selected by the investor and the social impact of the entire fund.

[0060] This report includes the cumulative value 51 of the quantitative impact in the entire fund. In the example of FIG. 5, the cumulative value of the estimated amount of the quantitative impact at the end of the fund operation period and the cumulative value of the actual amount of the quantitative impact up to the present are shown. As a result, the investor can grasp the overall picture of the estimated amount and the actual amount of the quantitative impact and recognize that they are participating in a fund with a great (large-scale) social significance.

[0061] In addition, the report includes the amount of change in the actual amount of quantitative impact from the previous time for each of the three investees, 52, and a line graph 53 that visualizes the planned and actual amounts of quantitative impact during the reporting period as cumulative values. As a result, investors can easily recognize at a glance the changes in the social impact occurring in individual investees and can feel that they are contributing to the social impact of the investees.

[0062] In addition, the report includes the total amount for three people of the planned amount of quantitative impact during the fund operation period, 54. In the example of Figure 5, the amount of the investor's capital contribution and the total planned amount of the increase in the investee's income are shown. As a result, investors can recognize that the total planned amount of quantitative impact is generated to be more than the capital contribution amount.

[0063] In addition, the report includes the evaluation results of qualitative impact, 55, and interview article or questionnaire response information showing the living conditions of the investees, 56. In the example of Figure 5, as the evaluation results of qualitative impact, 55, categories in which the investee's life has been qualitatively improved compared to before starting the business are shown. Specifically, icons indicating a plurality of categories are shown, and the icons of the improved categories are grayed out in the sense of "completed". As a result, investors can feel the qualitative changes regarding the living conditions of the investees. It is possible to remember the items reported in the previous report in multiple report receptions, and it is also possible to maintain the motivation for continuous investment with the element of gamification of filling in the category mass.

[0064] In addition, the report includes a photo of the investee, 57, and a message sent from the investee, 58, so that investors can feel a sense of closeness to the investee. The report also includes information 59 regarding the economic return on the investment. In the example of Figure 5, the start date of the investment operation, the end date of the operation, the planned month and amount of payment of the economic return, and the total payment amount so far are shown.

[0065] In addition, the background color and background design of the report may be changed according to the magnitude of the achieved social impact. For example, when the achieved social impact is small, it may be set as gray or a cloudy sky, and when the achieved social impact is large, it may be set as blue or a clear sky, so that the magnitude of the achieved social impact can be intuitively grasped.

[0066] The report presentation unit 16 presents the report created by the report creation unit 15 to the investors. For example, the report presentation unit 16 presents the report to the investor terminal 10 in the form of a web page. Specifically, the report presentation unit 16 generates data of the web page of the report and stores the data in a storage location accessible by the investor terminal 10 by specifying a predetermined URL (Uniform Resource Locator). Thereby, the investor can view the web page of the report by specifying the URL from the web browser of the investor terminal 10 at an arbitrary timing.

[0067] The report presentation unit 16 may generate the report as a document file in a predetermined format, attach this to an email, and send it to the investor terminal 10. Alternatively, instead of attaching the document file, an email with the above-mentioned URL described in the email body may be sent to the investor terminal 10. As another example, the report presentation unit 16 may print out the report. In this case, the printed report is sent to the domicile or designated location of the investor.

[0068] FIG. 6 is a flowchart showing an operation example of the impact management server 100 according to the first embodiment configured as described above. First, the impact-related information acquisition unit 11 determines whether one month has elapsed since the previous information collection (initially, the start of investment operation) (step S1). If one month has not yet elapsed, the determination in step S1 is repeated. When one month has elapsed, the impact-related information acquisition unit 11 acquires information contributing to the quantification and qualification of social impact from the information collection server 30 (step S2). Also, the investment-related information acquisition unit 12 acquires investment-related information from the investment management server 40 (step S3).

[0069] Next, the quantitative impact calculation unit 13 determines whether the current timing is after a predetermined period (for example, the first quarter) from the start of investment operation (step S4). If it corresponds to the timing after the predetermined period, the quantitative impact calculation unit 13 calculates the estimated amount of quantitative impact during the reporting period by the planned impact calculation unit 13A and calculates the actual amount of current quantitative impact by the actual impact calculation unit 13B. Also, the qualitative impact evaluation unit 14 evaluates the improvement status of the life of the current investment target (step S5).

[0070] In step S4 above, if it is determined that the current timing does not correspond to the timing after the predetermined period, the quantitative impact calculation unit 13 determines whether the current timing is at the end of the fund operation period (step S6). If it corresponds to the timing at the end of the operation period, the quantitative impact calculation unit 13 recalculates the estimated amount of quantitative impact during the period after the end of the operation period by the planned impact calculation unit 13A and calculates the actual amount of current quantitative impact by the actual impact calculation unit 13B. Also, the qualitative impact evaluation unit 14 evaluates the improvement status of the life of the current investment target (step S7).

[0071] In step S6 above, if it is determined that the current timing does not correspond to the end of the fund operation period, the quantitative impact calculation unit 13 determines whether the current timing is after the end of the monitoring period (step S8). If the current timing does not correspond to after the end of the monitoring period, the quantitative impact calculation unit 13 calculates the actual amount of the current quantitative impact by the actual impact calculation unit 13B and evaluates the improvement status of the life of the current investment target by the qualitative impact evaluation unit 14 (step S9).

[0072] After the calculation of the quantitative impact and the evaluation of the qualitative impact are performed by any of step S5, step S7, or step S9, the report creation unit 15 creates a report including the quantitative impact calculated by the quantitative impact calculation unit 13 and the qualitative impact evaluated by the qualitative impact evaluation unit 14 (step S10). Then, the report presentation unit 16 presents the report created by the report creation unit 15 to the investor (step S11). When the report is presented via a web page, in step S11, a process of saving the report data in the storage location indicated by the URL of the web page is performed. After that, the process returns to step S1.

[0073] In step S8 above, if it is determined that the current timing corresponds to after the end of the monitoring period, the processing of the flowchart shown in FIG. 6 ends. Even after the processing of the flowchart shown in FIG. 6 ends, the investor can access the web page at an arbitrary timing and view the report.

[0074] As described in detail above, in the first embodiment, impact-related information that contributes to the quantification and qualification of the social impact generated by the business conducted by the investee who has received investment from investors is acquired at a plurality of regular or irregular timings from the start of the investment operation, and based on the acquired impact-related information, quantitative impact and qualitative impact are calculated and evaluated for each of the plurality of timings. According to the first embodiment configured in this way, the social impact generated by the business conducted by the investee who has received investment from investors can be calculated and evaluated in such a form that it is monitored for each of a plurality of regular or irregular timings, so that the social impact can be calculated and evaluated with appropriate content. Also, unlike Patent Document 1, it is not necessary to ensure the appropriateness of social impact evaluation by having two or more users with different user attributes evaluate, and even a single investment manager can ensure appropriateness by monitoring at a plurality of timings.

[0075] In addition, in the above embodiment, the configuration in which the impact management server 100 includes the impact-related information acquisition unit 11, the investment-related information acquisition unit 12, the quantitative impact calculation unit 13, and the qualitative impact evaluation unit 14 has been described, but the present invention is not limited to this. For example, a dedicated application program may be installed on the business-related person terminal 20, and this application program may be provided with the above functional configurations 11 to 14. In this case, the business-related person terminal 20 corresponds to the information processing apparatus in the claims. The impact management server 100 acquires information on quantitative impact and qualitative impact from the business-related person terminal 20 and creates a report visualizing the social impact.

[0076] In addition, in the above-described embodiment, an example of creating a report including both quantitative impact and qualitative impact has been described. However, a report including only quantitative impact may be created. Also, in the above-described embodiment, an example of creating a report including both the estimated amount and the actual amount of quantitative impact has been described. However, a report including only the actual amount may be created. However, it is preferable to create a report including both the estimated amount and the actual amount in that the difference between the plan and the actual results can be recognized.

[0077] In addition, in the above-described embodiment, an example of calculating the increased revenue as the quantitative impact has been described. However, the present invention is not limited to this. The increased revenue can be said to be a quantitative impact directly resulting from the investment amount. In addition to this, secondary impacts derived from the directly resulting quantitative impact may be calculated. For example, the number of children who can receive education as a result of the increased revenue may be calculated as a secondary quantitative impact. Also, the number of people escaping from the poverty level when compared with the income level of relative poverty or absolute poverty may be calculated as a secondary quantitative impact.

[0078] The secondary social impact is a fundamental factor for correcting the gap between the rich and the poor in the medium and long term. By visualizing this quantitatively, the true social impact can be evaluated. Also, this can prevent doubts about impact washing and SDGs washing, and it becomes possible to attract investments from investors with a strong sense of social contribution.

[0079] In addition, the performance impact calculation unit 13B may calculate the impact amount based on the investment amount of the individual who has commercialized the investment as the actual amount of the quantitative impact. For example, the performance impact calculation unit 13B calculates the impact amount per investment unit by dividing the total amount of the actual amount of the quantitative impact for the entire fund by the total investment amount of the entire investment fund. Further, the performance impact calculation unit 13B calculates the impact amount of the individual investor by accumulating the investment amount of the individual investor with respect to the impact amount per investment unit. By doing so, the investor can clearly understand their own contribution level, and thus can obtain the feeling of making individual financings while being a fund. As a result, the satisfaction of the investor can be increased, and it can be expected to lead to continuous investment behavior.

[0080] In addition, in the above embodiment, the loan repayment period is set to the same period as the fund operation period. However, in the case of a pattern in which investment target persons who participate in the business after the start of fund composition and operation are recruited or replaced at any time, the fund operation period and the loan repayment period do not have to match. In this case, by reading the start timing of the fund operation in the above embodiment as the execution start timing of the loan, an equivalent effect can be created.

[0081] In addition, in the above embodiment, an example has been described in which a list of investment candidates is presented to the investor and the investment target person can be selected from among them. However, after selecting the investment target person, for example, by using blockchain technology, a means by which the investor and the investment target person can directly conduct financial transactions may be provided. Further, a default avoidance management system may be further provided. For example, human capital may be concentratedly invested in default avoidance.

[0082] (Second Embodiment) Hereinafter, a second embodiment of the present invention will be described with reference to the drawings. FIG. 7 is a diagram showing an example of the overall configuration of a social impact presentation system according to the second embodiment. In this FIG. 7, components having the same functions as those shown in FIG. 1 are denoted by the same reference numerals. As shown in FIG. 7, in the second embodiment, an investor terminal 10' and an investee terminal 20A' are provided instead of the investor terminal 10 and the investee terminal 20A shown in FIG. 1. Further, an impact management server 200 is provided instead of the impact management server 100 shown in FIG. 1.

[0083] In the second embodiment, the investor terminal 10' has a function of an investor attribute providing unit that provides and registers the attribute information of the investor (hereinafter referred to as investor attribute) to the impact management server 200, and a report that visualizes the social impact generated by the business conducted by the investee who has received the investment from the investor, and includes content specified according to the investor attribute. It has a function of a report display unit that acquires and displays the report from the impact management server 200. The investee terminal 20A' has a function of providing and registering the attribute information of the investee (hereinafter referred to as investee attribute) to the impact management server 200. Note that this attribute information may be once registered in the information collection server 30 and then provided from the information collection server 30 to the impact management server 200 for registration.

[0084] In the second embodiment, the impact management server 200 executes a process of matching an investor and an investee based on the investor attribute acquired from the investor terminal 10' and the investee attribute acquired from the investee terminal 20A'. The investor can select and invest in a desired investee from among the matched investment candidates. The impact management server 200 creates a report including the content of the social impact generated by the business conducted by the investee selected by the investor.

[0085] FIG. 8 is a block diagram showing a functional configuration example of the impact management server 200 according to the second embodiment. In FIG. 8, those denoted by the same reference numerals as those shown in FIG. 2 have the same functions, and thus duplicate explanations are omitted here. As shown in FIG. 8, the impact management server 200 according to the second embodiment includes a report creation unit 15' instead of the report creation unit 15 shown in FIG. 1. Further, the impact management server 200 according to the second embodiment further includes an investor attribute acquisition unit 21, an investment target attribute acquisition unit 22, a matching unit 24, an information management unit 23, and an investment execution probability acquisition unit 25 as functional configurations. Further, the impact management server 200 according to the second embodiment further includes an attribute information storage unit 26 as a storage medium.

[0086] The above functional blocks 21 to 25 can be configured by any of hardware, DSP, and software. For example, when configured by software, the above functional blocks 21 to 25 are actually configured with a computer's CPU, RAM, ROM, etc., and are realized by the operation of a program stored in a storage medium such as RAM, ROM, hard disk, or semiconductor memory.

[0087] Note that, also in the second embodiment, the same impact management server 100 as in the first embodiment may be used, and the investment management server 40 may be provided with the configurations of the functional blocks 21 to 25. Alternatively, a matching server may be provided separately from the investment management server 40 and the impact management server 100, and the matching server may be provided with the configurations of the functional blocks 21 to 25.

[0088] The investor attribute acquisition unit 21 acquires the investor attributes, which are the attribute information of the investors, from the investor terminal 10'. For example, the investor attribute acquisition unit 21 displays a web page for inputting investor attributes on the investor terminal 10' and acquires the investor attributes input by the investor through the web page from the investor terminal 10'. The investor attributes acquired by the investor attribute acquisition unit 21 are, for example, the demographic attributes of the investors (age, gender, occupation, family composition, etc.). Further, the investor attributes may include information indicating the interests and concerns of the investors. Specifically, the preferences of the investors (presence or absence of family, regions of interest, industries of interest, etc.) and the impact themes of interest (poverty, environment, healthcare, gender, employment, etc.) may be acquired.

[0089] The investment target attribute acquisition unit 22 acquires the investment target attributes, which are the attribute information of the investment target persons, from the investment target person terminal 20A'. For example, the investment target attribute acquisition unit 22 displays a web page for inputting investment target attributes on the investment target person terminal 20A' and acquires the investment target attributes input by the investment target person through the web page from the investment target person terminal 20A'. The investment target attributes acquired by the investment target attribute acquisition unit 22 are, for example, the demographic attributes of the investment target persons. Further, the investment target attributes may include business attribute information regarding the business conducted by the investment target persons. The business attribute information includes, for example, the region where the investment target person conducts the business, the industry to which the business belongs, the impact theme related to the business, etc.

[0090] The information management unit 23 records and manages the investor attributes in the database of the attribute information storage unit 26 for each investor, and records and manages the investment target attributes in the database of the attribute information storage unit 26 for each investment target person.

[0091] The matching unit 24 extracts, based on the investor attributes and the investment target attributes stored in the database of the attribute information storage unit 26, the investment target persons whose investment target attributes match the predetermined matching conditions for the investor attributes, and presents the extracted investment target persons to the investor terminal 10' as investment candidates. The investor can select a desired investment target person from among the investment candidates presented by the matching unit 24 and make an investment.

[0092] For example, the matching unit 24 extracts, as investment candidates, investment targets that meet the matching condition that the demographic attributes of the investment targets are the same as or similar to the demographic attributes of the investors. By extracting investment candidates under such matching conditions, the investor can feel a sense of affinity for the investment targets selected from among the investment candidates and can experience a sense of satisfaction and contribution to the investment activities.

[0093] In addition, the matching unit 24 extracts, as investment candidates, investment targets that meet the matching condition that the items included in the business attribute information or the demographic attributes of the investment targets are the same as or similar to the interests and concerns of the investors. By extracting investment candidates under such matching conditions, appropriate matching can be performed for investors who originally have purposes, and the motivation of the investors for investment can be improved. Also, by selecting investment targets that conduct businesses related to the impact themes desired by the investors, it becomes possible to experience the contribution to the social issues that the investor is most interested in.

[0094] When an investor selects any investment target, the selected investment target is notified to the information management unit 23 through the matching unit 24. The information management unit 23 assigns an investment execution flag to the investment target selected by the investor in the database stored in the attribute information storage unit 26.

[0095] The report creation unit 15' creates a report including the content of the social impact generated by the business conducted by the investment target selected by the investor from among the investment candidates, from among the quantitative impact calculated by the quantitative impact calculation unit 13 and the qualitative impact evaluated by the qualitative impact evaluation unit 14, using the impact-related information acquired by the impact-related information acquisition unit 11 and the investment-related information acquired by the investment-related information acquisition unit 12. For example, the report created when the investor selects three investment targets will be the same as that shown in FIG. 5. The investment target selected by the investor can be recognized by referring to the investment execution flag stored in the attribute information storage unit 26.

[0096] The investment execution probability acquisition unit 25 inputs each combination of the investor attributes stored in the attribute information storage unit 26 and the plurality of investment target attributes into a machine-learned model, and acquires the investment execution probabilities corresponding to the plurality of investment target attributes from the model. Here, the model of the investment execution probability acquisition unit 25 is generated by machine learning processing using the investor attributes, the investment target attributes, and the investment execution flag as learning data. The investment execution probability is a value indicating which combination of investment target attributes has a high probability of investment execution (the possibility of being selected as an investment target from among the investment candidates) for a certain investor attribute.

[0097] After a large number of investment execution flags are recorded in the database of the attribute information storage unit 26, it is possible to generate a model configured to output an investment execution probability when a combination of the investor attributes and the investment target attributes is input by performing machine learning processing using the investor attributes, the investment target attributes, and the investment execution flag as learning data.

[0098] The matching unit 24 may extract, as investment candidates, the investment target persons having the investment target attributes corresponding to the investment execution probabilities that meet the predetermined matching conditions, from among the plurality of investment execution probabilities obtained for each of the plurality of combinations of the investor attributes and the investment target attributes by the investment execution probability acquisition unit 25. For example, it is possible to extract a predetermined number of investment target persons as investment candidates starting from the one with the largest investment execution probability. By performing such matching, it is possible to present to the investor the investment candidates with a high likelihood of investment being made.

[0099] Also for example, it may be possible to extract a predetermined number of investment target persons as investment candidates, respectively, starting from the one with the largest investment execution probability and the one with the smallest investment execution probability. Alternatively, it may be possible to extract a predetermined number from the one with the largest investment execution probability and a predetermined number randomly from the rest. By doing so, it is possible to prevent the problem that the investor gets bored by only the investment target persons with the same tendency being listed.

[0100] Note that the matching unit 24 may perform matching based only on the investment execution probability without performing matching based on demographic attributes or interests / concerns. Also, the matching unit 24 may perform both matching based on demographic attributes or interests / concerns and matching based on the investment execution probability. When performing both matchings, it may be possible to present to the investor the investment candidates extracted under the OR condition of both matchings, or it may be possible to present to the investor the investment candidates extracted under the AND condition of both matchings.

[0101] FIG. 9 is a flowchart showing an operation example of the matching unit 24 provided in the impact management server 200 according to the second embodiment configured as described above. The processing of the flowchart shown in this FIG. 9 starts, for example, when the investor instructs the impact management server 200 to execute matching from the investor terminal 10'. At this time, the investor attributes of the investor are already stored in the attribute information storage unit 26, and the investment target attributes of the plurality of investment target persons are also already stored in the attribute information storage unit 26.

[0102] First, the matching unit 24 acquires the investor attributes of the investor who instructed the execution of the matching from the attribute information storage unit 26 (step S21). Then, the matching unit 24 performs matching based on the acquired investor attributes and the investment target attributes of a plurality of investment targets stored in the attribute information storage unit 26, thereby extracting one or more investment targets whose investment target attributes match the predetermined matching conditions for the investor attributes (step S22), and presenting the extracted investment targets to the investor terminal 10' as investment candidates (step S23).

[0103] Then, the matching unit 24 determines whether any of the investment candidates has been selected by the investor (step S24). If no selection has been made, the matching unit 24 determines whether an instruction to end the process has been received from the investor (step S25). If an instruction to end the process has not been received, it returns to step S24 and waits for the investor to make a selection. If an instruction to end the process has been received from the investor, the process of the flowchart shown in FIG. 9 ends.

[0104] In step S24 above, if any of the investment candidates has been selected by the investor, the matching unit 24 notifies the information management unit 23 of the selected investment target. In response to this, the information management unit 23 assigns an investment execution flag to the investment target selected by the investor in the database stored in the attribute information storage unit 26 (step S26). Thereby, the process of the flowchart shown in FIG. 9 ends.

[0105] Here, it has been described that the process of FIG. 9 starts when the investor instructs the execution of the matching. However, the process of FIG. 9 may be executed following the process in which the investor registers the investor attributes in the impact management server 200.

[0106] In the second embodiment, the operation of the report creation unit 15' when creating a report is the same as the operation example shown in the flowchart of FIG. 6. When creating a report in step S10, the report creation unit 15' refers to the investment execution flag stored in the attribute information storage unit 26 to confirm the investment target selected by the investor for the report target, and creates a report including the content of the social impact generated by the business conducted by the selected investment target.

[0107] As described in detail above, in the second embodiment, a report including the content specified according to the investor attribute is created, and the created report is presented to the investor. Specifically, an investment target whose investment target attribute matches a predetermined matching condition for the investor attribute is extracted, the extracted investment target is presented to the investor as an investment candidate, and a report including the content of the social impact generated by the business conducted by the investment target selected by the investor from among the investment candidates is created.

[0108] According to the second embodiment configured as described above, since a report with content corresponding to the investor attribute is created, it is possible to create a report for investors visualizing social impact with appropriate content. In addition, since the optimal investment target is selected according to the investor attribute, the probability of leading to an investment can be increased, and as a result, it becomes possible to maximize the impact on society.

[0109] (Third Embodiment) Hereinafter, a third embodiment of the present invention will be described with reference to the drawings. FIG. 10 is a diagram showing an overall configuration example of a social impact presentation system according to the third embodiment. In this FIG. 10, components having the same functions as the components shown in FIG. 1 are denoted by the same reference numerals. As shown in FIG. 10, in the third embodiment, an investor terminal 10” is provided instead of the investor terminal 10 shown in FIG. 1. Further, an impact management server 300 is provided instead of the impact management server 100 shown in FIG. 1.

[0110] In the third embodiment, the investor terminal 10" has a function of an investor attribute providing unit that provides and registers investor attributes to the impact management server 300, and a report that visualizes the social impact generated by the business conducted by the investee who has received an investment from the investor, and includes a report display unit that acquires and displays a report including content specified according to the investor attributes from the impact management server 300. In the third embodiment, the impact management server 300 creates a report including the content defined by the report format using the report format specified according to the investor attributes acquired from the investor terminal 10.

[0111] FIG. 11 is a block diagram showing a functional configuration example of the impact management server 300 according to the third embodiment. In this FIG. 11, those denoted by the same reference numerals as those shown in FIG. 2 have the same functions, and thus redundant explanations are omitted here. As shown in FIG. 11, the impact management server 300 according to the third embodiment includes a report creation unit 15" instead of the report creation unit 15 shown in FIG. 1. Further, the impact management server 300 according to the third embodiment further includes an investor attribute acquisition unit 31, an information management unit 32, and a format acquisition unit 33 as functional configurations. Further, the impact management server 300 according to the third embodiment further includes a format storage unit 34 and an attribute information storage unit 35 as storage media.

[0112] The above functional blocks 31 to 33 can be configured by any of hardware, DSP, and software. For example, when configured by software, the above functional blocks 31 to 33 are actually configured with a computer's CPU, RAM, ROM, etc., and are realized by the operation of a program stored in a storage medium such as RAM, ROM, hard disk, or semiconductor memory.

[0113] The format storage unit 34 stores a plurality of report formats in which at least one of the input information items and the layout is predefined, together with their respective identification information (hereinafter referred to as format IDs). For example, as shown in Fig. 12(a), the format storage unit 34 stores a report format for an objective pattern that includes many input information items related to quantitative impact, and as shown in Fig. 12(b), a report format for an emotional pattern that includes many input information items related to qualitative impact. The report format for the objective pattern is a report format that includes input information items or layouts assumed to be valued by institutional investors. The report format for the emotional pattern is a report format that includes input information items or layouts assumed to be valued by individual investors.

[0114] The investor attribute acquisition unit 31 acquires the investor attribute, which is the attribute information of the investor, from the investor terminal 10”. For example, the investor attribute acquisition unit 31 displays a web page for inputting investor attributes on the investor terminal 10” and acquires the investor attributes input by the investor through the web page from the investor terminal 10”. The investor attributes acquired by the investor attribute acquisition unit 31 include, for example, information for identifying whether the investor is an individual investor or an institutional investor.

[0115] The information management unit 32 records and manages the investor attributes in the database of the attribute information storage unit 35 for each investor. In addition, when an additional investment action is taken by an investor, the information management unit 32 assigns an additional investment execution flag to the investor who has made the additional investment in the database of the attribute information storage unit 35.

[0116] The format acquisition unit 33 acquires from the format storage unit 34 a report format specified based on the investor attribute acquired by the investor attribute acquisition unit 31 (the investor attribute stored in the database of the attribute information storage unit 35). For example, when creating a report for a certain investor, the format acquisition unit 33 extracts the investor attribute of that investor from the attribute information storage unit 35, and acquires from the format storage unit 34 the report format specified based on the extracted investor attribute.

[0117] For example, when it is shown by the investor attribute extracted by the format acquisition unit 33 from the attribute information storage unit 35 that the investor is an institutional investor, the format acquisition unit 33 acquires from the format storage unit 34 the report format of the objective pattern. On the other hand, when it is shown by the investor attribute extracted by the format acquisition unit 33 from the attribute information storage unit 35 that the investor is an individual investor, the format acquisition unit 33 acquires from the format storage unit 34 the report format of the emotional pattern.

[0118] The report creation unit 15 creates a report including the content defined by the report format acquired by the format acquisition unit 33, using the impact-related information acquired by the impact-related information acquisition unit 11, the investment-related information acquired by the investment-related information acquisition unit 12, the quantitative impact calculated by the quantitative impact calculation unit 13 using these information, and the qualitative impact evaluated by the qualitative impact evaluation unit 14.

[0119] While individual investors may attach importance to the degree of contribution to social issues, institutional investors may attach more importance to quantitative information and economic returns. In contrast, by switching the report format according to the investor attribute as described above, it is possible to create a report containing optimal information for the investor and provide it to the investor. This can contribute to improving the motivation of individual investors and enhancing the business efficiency of institutional investors (such as streamlining the reporting of institutional investors to upstream investors).

[0120] Note that the investor attributes and report format according to the investor attributes described above are just examples and are not limited thereto. For example, when the investor attribute is information indicating an individual investor, the information may further include information indicating the interests and concerns of the individual investor. Specifically, it may include information indicating the preferences of the investor (such as the presence or absence of family, regions of interest, industries of interest, etc.) and information indicating the impact themes of interest (such as poverty, environment, healthcare, gender, employment, etc.).

[0121] The format acquisition unit 33 acquires from the format storage unit 34 a report format including input information items or layouts related to the interests and concerns of individual investors based on the investor attributes. For example, when the investor attribute indicates an individual investor and the investor's preference indicates having a family, a report format including many photos that the family likes or photos of working hard is acquired. Alternatively, when the investor attribute indicates an individual investor and it is shown that the investor has an interest in the environmental theme, a report format including input information items according to the impact theme, such as whether the equipment used by the investment target contributes to reducing the environmental load, is acquired.

[0122] Also, when the investor attribute is information indicating an individual investor, the information may further include information indicating the personality of the individual investor. The information indicating the personality may be obtained by general means such as questionnaire surveys or personality trait diagnoses such as the well-known Big Five. The information indicating the personality may also include information indicating whether the individual investor is a wealthy person. In this case, the format acquisition unit 33 acquires from the format storage unit 34 a report format including input information items or layouts defined in advance according to the personality based on the investor attributes.

[0123] ​As described above, by segmenting the investor attributes of individual investors and switching the report format according to the segmented investor attributes, it becomes possible to create a report tailored to the interests, concerns, or personalities of individual investors and provide it to the investors. This can enhance the satisfaction of the investors and increase the incentives for individual investors to invest.

[0124] In addition, when the investor attribute is information indicating that the investor is an institutional investor, it may further include information for identifying whether the institutional investor is a financial institution, a professional investment firm, or a business company. In this case, based on the investor attribute, the format acquisition unit 33 acquires from the format storage unit 34 a report format that has been previously associated with any one of a financial institution, a professional investment firm, or a business company.

[0125] Furthermore, when the investor attribute is information indicating that the investor is a financial institution, it may further include information for identifying whether the customer layer of the financial institution is an impact investor. In this case, when the format acquisition unit 33 acquires a report format related to a financial institution, it acquires from the format storage unit 34 a report format that has been previously associated according to whether the customer layer of the financial institution is an impact investor or not.

[0126] As described above, by segmenting the investor attributes of institutional investors and switching the report format according to the segmented investor attributes, it becomes possible to efficiently provide reports from institutional investors to their subsequent customer layers (investors), and it is also possible to enhance the satisfaction of the customer layers.

[0127] Note that the format acquisition unit 33 may acquire from the format storage unit 34 a report format corresponding to the investor attribute using a model generated by machine learning processing using an additional investment execution flag. That is, the format acquisition unit 33 may be configured to input the investor attribute into the pre-trained model and acquire the format ID from the model.

[0128] Here, the model of the format acquisition unit 33 is generated by machine learning processing that uses the format ID of the report format used for creating a report by the report creation unit 15”, the investor attributes, and the additional investment execution flag as learning data. The model in this case is one in which it is learned which report format is likely to result in the execution of additional investment when used for a certain investor attribute.

[0129] After a large number of additional investment execution flags are recorded in the database of the attribute information storage unit 35, by performing machine learning processing using the format ID, investor attributes, and additional investment execution flag as learning data, it is possible to generate a model configured to output the format ID of the report format that is highly likely to have additional investment executed when the investor attributes are input.

[0130] FIG. 13 is a flowchart showing an operation example of the impact management server 300 according to the third embodiment configured as described above. In FIG. 13, the parts with the same step numbers as those shown in FIG. 6 execute the same processing, so duplicate explanations are omitted here. When the processing of FIG. 13 is disclosed, the investor attributes of the investor are already stored in the attribute information storage unit 35.

[0131] In FIG. 13, after the calculation of the quantitative impact and the evaluation of the qualitative impact are performed by any one of step S5, step S7, or step S9, the format acquisition unit 33 acquires the investor attributes of the investor to be reported from the attribute information storage unit 35 (step S31), and acquires the report format specified based on the acquired investor attributes from the format storage unit 34 (step S32).

[0132] Next, the report creation unit 15 creates a report including the content defined by the report format acquired by the format acquisition unit 33, using the impact-related information acquired by the impact-related information acquisition unit 11, the investment-related information acquired by the investment-related information acquisition unit 12, the quantitative impact calculated by the quantitative impact calculation unit 13 using these information, and the qualitative impact evaluated by the qualitative impact evaluation unit 14 (step S10).

[0133] As described in detail above, also in the third embodiment, a report including the content specified according to the investor attributes is created, and the created report is presented to the investor. Specifically, in the third embodiment, the report is created using the report format specified according to the investor attributes.

[0134] According to the third embodiment configured as described above, since the report is created according to the report format having the input information items and layout according to the investor attributes, a report for investors visualizing the social impact can be created with appropriate content. As a result, the satisfaction of the investors can be increased, the probability leading to additional investment can be increased, and as a result, it becomes possible to maximize the impact on society.

[0135] As described above, the first embodiment, the second embodiment, and the third embodiment have been described, but any two or three of these embodiments may be combined and applied.

[0136] In addition, each of the above-described first to third embodiments is merely an example of the implementation of the present invention, and the technical scope of the present invention should not be construed in a limited manner by these. That is, the present invention can be implemented in various forms without departing from the gist or the main features thereof.

Explanation of Reference Numerals

[0137] 11 Impact-related Information Acquisition Unit 12 Investment-related Information Acquisition Unit 13 Quantitative Impact Calculation Unit 13A Planned Impact Calculation Unit 13B Actual Impact Calculation Unit 14 Qualitative Impact Evaluation Unit 15,15’,15” Report Creation Unit 16 Report Presentation Unit 21 Investor Attribute Acquisition Unit 22 Investment Target Attribute Acquisition Unit 23 Information Management Unit 24 Matching Unit 25 Investment Execution Probability Acquisition Unit 26 Attribute Information Storage Unit 31 Investor Attribute Acquisition Unit 32 Information Management Unit 33 Format Acquisition Unit 34 Format Storage Unit 35 Attribute Information Storage Unit 10,10’,10” Investor Terminal 20 Business-related Person Terminal 20A,20A’ Investment Target Person Terminal 20B Operation Manager Terminal 20C Portfolio Manager Terminal 30 Information Collection Server 40 Investment Management Server 100,200,300 Impact Management Server

Claims

1. An impact-related information acquisition unit that acquires impact-related information contributing to the quantification of the social impact generated by the business conducted by the fund recipient who has received funding from the fund provider; A quantitative impact calculation unit that calculates a quantitative impact, which is a quantitative social impact, based on the impact-related information acquired by the impact-related information acquisition unit; A report creation unit that creates a report including the quantitative impact calculated by the quantitative impact calculation unit; A report presentation unit that presents the report created by the report creation unit to the fund provider, wherein the quantitative impact calculation unit calculates the quantitative impact during a predetermined reporting target period including the operation period of the funds and the monitoring period after the end of the operation period since the start of the operation of the funds. A social impact presentation system characterized by the above.

2. The quantitative impact calculation unit includes a planned impact calculation unit that calculates a planned amount of the quantitative impact that may be generated by the implementation of the business during the reporting target period, and an actual impact calculation unit that calculates the actual amount of the quantitative impact actually generated by the fund recipient's implementation of the business after the start of the operation of the funds. The report creation unit creates a report in which the planned amount of the quantitative impact and the actual amount of the quantitative impact are visualized. The social impact presentation system according to Claim 1, characterized by the above.

3. The planned impact calculation unit calculates the planned amount of the quantitative impact during the reporting target period based on the impact-related information acquired by the impact-related information acquisition unit at a timing after a predetermined period from the start of the operation period, and recalculates the planned amount of the quantitative impact during the period after the end of the operation period based on the impact-related information acquired by the impact-related information acquisition unit at the end of the operation period or at a subsequent timing. The social impact presentation system according to Claim 2, characterized by the above.

4. The fund recipient is an individual who conducts a business by receiving funding from the fund provider. The above-mentioned quantitative impact includes the increase in the actual income obtained from the business conducted using the equipment purchased by the above-mentioned fund recipient through a loan, from the original income before the start of the business. The above-mentioned quantitative impact calculation unit calculates, as the above-mentioned quantitative impact, the increase in income obtained by subtracting the above-mentioned original income from the income after loan repayment during the above-mentioned operation period, and calculates, as the above-mentioned quantitative impact, the increase in income obtained by subtracting the above-mentioned original income from the above-mentioned actual income during the period after the end of the above-mentioned operation period. The social impact presentation system according to claim 1, characterized in that.

5. The above-mentioned fund provision is a fund for the above-mentioned business, and the above-mentioned fund recipient is one or more individuals who raise funds from the above-mentioned fund to conduct the above-mentioned business. The above-mentioned impact-related information acquisition unit acquires the above-mentioned impact-related information regarding the above-mentioned one or more individuals respectively. The above-mentioned quantitative impact calculation unit calculates the estimated amount and the actual amount of the quantitative impact per person, and calculates the estimated amount and the actual amount of the quantitative impact of the entire fund, based on the above-mentioned impact-related information regarding the above-mentioned one or more individuals acquired by the above-mentioned impact-related information acquisition unit, and calculates the estimated amount of the quantitative impact of the entire fund according to a function including a loss rate determined in consideration of the possibility that there may be a fund recipient who withdraws from the business during the above-mentioned reporting target period. The social impact presentation system according to claim 2, characterized in that.

6. The above-mentioned fund provision is a fund for the above-mentioned business, and the above-mentioned fund recipient is one or more individuals who raise funds from the above-mentioned fund to conduct the above-mentioned business. The above-mentioned impact-related information acquisition unit acquires the above-mentioned impact-related information regarding the above-mentioned one or more individuals respectively. The above-mentioned quantitative impact calculation unit calculates the quantitative impact per person and calculates the quantitative impact of the entire fund, based on the above-mentioned impact-related information regarding the above-mentioned one or more individuals acquired by the above-mentioned impact-related information acquisition unit. The social impact presentation system according to claim 1, characterized in that.

7. The above-mentioned estimated impact calculation unit calculates the total amount of the estimated amount of the above-mentioned quantitative impact during the above-mentioned reporting target period. The above-mentioned actual impact calculation unit calculates the total amount of the actual amount of the above-mentioned quantitative impact from the start of the operation to the current timing. The social impact presentation system according to claim 2 or 3, characterized in that...

8. The impact-related information acquisition unit acquires the impact-related information at a plurality of regular or irregular timings from when the operation of the funds starts, The quantitative impact calculation unit calculates the quantitative impact for each of the plurality of timings, The report creation unit creates a report in which the change in the quantitative impact calculated for each of the plurality of timings by the quantitative impact calculation unit is visualized The social impact presentation system according to any one of claims 1 to 6, characterized in that...

9. The impact-related information acquisition unit acquires the impact-related information at a plurality of regular or irregular timings from when the operation of the funds starts, The actual impact calculation unit calculates the actual amount of the quantitative impact for each of the plurality of timings, and accumulates the actual amounts of the quantitative impact calculated for each of the plurality of timings for each of the plurality of timings, The report creation unit creates a report in which the cumulative value of the actual amounts of the quantitative impact is visualized for each of the plurality of timings The social impact presentation system according to claim 2 or 3, characterized in that...

10. The planned impact calculation unit accumulates the planned amounts of the quantitative impact at a plurality of time points during the reporting target period for each of the plurality of time points, The report creation unit creates a report in which the cumulative value of the actual amounts of the quantitative impact is visualized for each of the plurality of timings, and the cumulative value of the planned amounts of the quantitative impact is visualized for each of the plurality of time points The social impact presentation system according to claim 9, characterized in that...

11. The impact-related information acquisition unit further acquires information that contributes to the visualization of qualitative impacts, which are qualitative social impacts generated by the business conducted by the fund recipient, The report creation unit creates a report including the quantitative impact and the qualitative impact The social impact presentation system according to claim 1, characterized in that...

12. The social impact presentation system according to claim 11, wherein the report creation unit creates a report in which it is visualized that the life of the fund recipient has been qualitatively improved compared to before the fund recipient started the business.

13. The qualitative impact is classified into a plurality of categories, and the report creation unit creates a report in which the categories in which the life of the fund recipient has been qualitatively improved compared to before the fund recipient started the business are visualized. The social impact presentation system according to claim 12, characterized in that.

14. The social impact presentation system according to claim 1, wherein the report creation unit creates a report including an economic return on investment in addition to the quantitative impact calculated by the quantitative impact calculation unit.

15. An impact-related information acquisition unit that acquires impact-related information contributing to the quantification of the social impact generated by the business conducted by the fund recipient who has received a fund from a fund provider; A quantitative impact calculation unit that calculates a quantitative impact, which is a quantitative social impact, based on the impact-related information acquired by the impact-related information acquisition unit; A report creation unit that creates a report including the quantitative impact calculated by the quantitative impact calculation unit; A report presentation unit that presents the report created by the report creation unit to the fund provider, wherein the quantitative impact calculation unit calculates the quantitative impact during a predetermined reporting target period including the operation period of the funds and the monitoring period after the operation period ends since the start of the operation of the funds. An information processing apparatus characterized by that.

16. A step in which an impact-related information acquisition unit of a computer acquires impact-related information contributing to the quantification of the social impact generated by the business conducted by the fund recipient who has received a fund from a fund provider; The step of the quantitative impact calculation unit of the computer calculating a quantitative impact, which is a quantitative social impact, based on the impact-related information acquired by the impact-related information acquisition unit; and the step of the report creation unit of the computer creating a report including the quantitative impact calculated by the quantitative impact calculation unit; The step of the report presentation unit of the computer presenting the report created by the report creation unit to the fund provider; The quantitative impact calculation unit calculates the quantitative impact during a predetermined reporting target period including the operation period of the funds and the monitoring period after the end of the operation period since the start of the operation of the funds; An information processing method characterized by the above.

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