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

Abstract

To create a report for a funder with appropriate contents, where social impact caused by a project conducted by a fund provision object person having received the fund provision from the funder is visualized.SOLUTION: A social impact presentation system includes: an impact-related information acquisition unit 11 which acquires impact-related information contributing to visualization of social impact which is caused by a project conducted by a fund provision object person; an investor attribute acquisition unit 21 which acquires investor attribute which is attribute information of an investor, from an investor terminal 10'; a report creation unit 15 which creates a report including contents specified according to the investor attribute, by using the acquired impact-related information; and a report presentation unit 16 which presents the created report to the investor terminal 10'. The social impact presentation system is configured to create a report for the investor where the social impact is visualized with appropriate contents, by creating a report with contents according to the investor attribute.SELECTED DRAWING: Figure 8

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-spirited 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 businesses beneficial to society by visualizing the social impact generated by the activities of business undertakers in response to investments 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 a 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 organizations), implementers of businesses, beneficiaries of businesses, evaluators of businesses, supporters of evaluators (accompanying persons), etc., it does not disclose how to appropriately create a report for investors who have made impact investments.

[0006] The present invention has been made to solve such problems, and an object thereof is to enable the creation of a report for fund providers that visualizes the social impact generated by a business conducted by a fund recipient that has received funding from a fund provider, with appropriate content. [Means for Solving the Problems]

[0007] In order to solve the above-described problems, in the present invention, impact-related information that contributes to visualizing the social impact generated by a business conducted by a fund recipient that has received funding from a fund provider is acquired, and a fund provider attribute that is the attribute information of the fund provider is acquired. Then, using the acquired impact-related information, a report including content specified according to the fund provider attribute is created, and the created report is presented to the fund provider. [Effects of the Invention]

[0008] According to the present invention configured as described above, since a report with content corresponding to the attributes of the fund provider is created, it is possible to create a report for fund providers visualizing the social impact with appropriate content.

Brief Description of the Drawings

[0009]

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Modes for Carrying Out the Invention

[0010] (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 example of the overall configuration 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 investee 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.

[0011] 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 equipped with a web browser, and the investor can browse web pages provided from the investment management server 40 or the impact management server 100 through the web browser, or input information through the web pages.

[0012] The investee terminal 20A is a terminal used by an investee who receives investment from an investor, 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 browse web pages provided from the information collection server 30 through the web browser, or input information through the web pages.

[0013] In addition, in the present embodiment, the description is given for the case where an operator receives investment from an investor and conducts a business. However, it can be widely applied to the case where an operator receives funding from a fund provider and conducts a business. The fund provider may be any fund provider including, in addition to an investor, a person who provides donations, subsidies, grants, etc., a person who makes loans at a financial institution, etc. The fund recipient refers to a person for whom an impact is created by receiving the provided funds. Therefore, in the following description, "investor" can be read as "fund provider", and "investment target" can be read as "fund recipient". Also, "operation of investment" can be read as "operation of funds".

[0014] The operation manager terminal 20B is a terminal used by an operation manager who manages the operation of the business conducted by the investment target. It 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 the web pages provided by the information collection server 30 or input information through the web pages through the web browser.

[0015] The portfolio manager terminal 20C is a terminal used by a manager of a portfolio related to the business conducted by the investment target. It is composed of a personal computer, a smartphone, a tablet, or the like. A plurality of investment targets belong to the portfolio, and the investment targets conduct their businesses under the management of the portfolio. The portfolio manager terminal 20C is equipped with a web browser, and the portfolio manager can view the web pages provided by the information collection server 30 or input information through the web pages through the web browser.

[0016] 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.

[0017] The impact-related information collection server 30 collects impact-related information that contributes to the visualization of the social impact generated by the business conducted by the investee who has received investments from investors, from the business-related person terminal 20. The impact-related information includes at least information that contributes to the quantification of the social impact, and may further include information that contributes to the qualitative analysis of 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. Although the business-related person and the investment manager may be the same, for the sake of convenience, it will be referred to as an investment manager when explaining from the perspective of the investor.

[0018] The impact-related information collection server 30 collects information that contributes to the quantification and qualitative analysis of the social impact from the business-related person terminal 20 in a predetermined format. For example, the impact-related 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 the 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 the qualitative analysis of the social impact is likely to have a greater variation compared to information that contributes to the quantification of the social impact, but it is possible to ensure a certain quality by collecting information based on a predetermined format.

[0019] Web pages for information input in a specified format are prepared in advance, for example, for each category of business. By selecting the category corresponding to the business to be conducted, a business-related person causes the web browser of the business-related person terminal 20 to display the information input web page corresponding to the selected category, inputs impact-related information into the information input items included in the information input web page, and transmits it to the information collection server 30. The information collection server 30 provides the impact-related information collected from the business-related person terminal 20 to the impact management server 100.

[0020] 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 to 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.

[0021] Note that the investments managed by the investment management server 40 are not limited to crowdfunding. Any fund for a business may be sufficient, for example, 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, and 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.

[0022] 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, for example, with an investor ID that uniquely identifies each investor and an investee ID that uniquely identifies each investee. The impact management server 100 executes various processes related to visualizing the social impact generated by the business conducted by the investee who has received investment from the investor, based on the information provided from the information collection server 30 and the investment management server 40. The specific content of the various processes will be described later with reference to the drawings after FIG. 2.

[0023] 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 domicile.

[0024] 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 configured to include 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 thus information related to investment may be acquired. Similarly, the impact management server 100 may be configured to include the functions of the investment management server 40.

[0025] 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.

[0026] The above functional blocks 11 to 16 can be configured by any of hardware, a 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, a hard disk, or a semiconductor memory.

[0027] 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). Further, the impact-related information acquisition unit 11 acquires from the information collection server 30 information that contributes to the qualitative analysis 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 qualitative analysis of social impact is referred to as impact-related information.

[0028] 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.

[0029] 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 and save the acquired information in a storage medium. 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 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.

[0030] 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, a timing every month. The irregular timing is a timing for creating a special report other than the regular timing. The irregular timing can be arbitrarily specified by, for example, the administrator of the impact management server 100. In addition, 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.

[0031] 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 and saves the calculated quantitative impact in a storage medium so that it can be used for creating the current and subsequent reports.

[0032] The quantitative impact calculation unit 13 calculates two types of quantitative impacts by a planned impact calculation unit 13A and an actual impact calculation unit 13B. The planned impact calculation unit 13A calculates a predicted amount of the quantitative impact that may be generated by the implementation of the business during a predetermined long reporting target period from when the investment operation starts. 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 investment operation starts, for each of the above-described plurality of timings.

[0033] The reporting target period is a period set as a calculation target period for 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.

[0034] 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.

[0035] Note that it is also possible to calculate the predicted amount of the quantitative impact for a period longer than the period obtained by adding 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 predicted amount of the quantitative impact is the entire reporting target period. The plurality of timings for the actual impact calculation unit 13B to calculate the actual amount of the quantitative impact include timings during the fund operation period and timings during the monitoring period.

[0036] In this embodiment, the investors, the investees, the content of the business conducted by the investees, etc. are arbitrary. As an example, the investee 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 investee through a loan, from the original income before starting the business.

[0037] In this case, the investee is assumed to be an individual in the poverty-stricken layer who does not have the self-owned funds to purchase the equipment necessary for the implementation of the business and cannot take out a loan. If an investee of this type takes out a loan based on the funds raised from the fund to purchase equipment and starts a business, a significant increase in income can be expected. The quantitative impact calculation unit 13 calculates this increase in income as the quantitative impact.

[0038] Here, the loan repayment period is set to be the same as the fund operation period. The quantitative impact calculation unit 13 calculates, as the quantitative impact, the increase in income obtained by subtracting the original income before starting the business from the income after loan repayment during the fund operation period. The income after loan repayment is the amount obtained by subtracting the monthly or annual loan repayment amount from the actual income obtained from the implementation of the business. Also, the quantitative impact calculation unit 13 calculates, as the quantitative impact, the increase in income obtained by subtracting the original income before starting the business from the actual income during the period after the end of the fund operation period.

[0039] Figure 3 is a diagram schematically showing an example of the estimated amount of quantitative impact calculated by the scheduled impact calculation unit 13A. In Figure 3, the horizontal axis represents time, and the vertical axis represents monthly income. In the example of Figure 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 service 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.

[0040] In Figure 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 fixed amount. During the fund operation period, since there is a loan repayment amount, the income after loan repayment IC1 is lower than the actual income IC2, but after the end of the loan repayment period, it will change according to the actual income IC2.

[0041] In the example of Figure 3, the scheduled impact calculation unit 13A calculates the difference between the income after loan repayment IC1 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 after loan repayment IC1 (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.

[0042] 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 income 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 income 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 income amount. Since the steady income amounts vary among individual investors, more accurate estimated amounts can be obtained by acquiring the information multiple times.

[0043] 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 income IC2 at that time acquired as impact-related information four months after the start of the fund operation and the most recent income 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 income IC2, a more accurate estimated amount can be obtained.

[0044] 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

[0045] When there are one or more individuals (e.g., multiple individuals belonging to a business partnership) as investment targets who raise funds from a fund to conduct a business, 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, for each individual, the estimated amount and the actual amount of the quantitative impact per person 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.

[0046] 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)

[0047] 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 results of the quantitative impact in a storage medium for use in creating this and subsequent reports.

[0048] 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 been improved, for example, based on questionnaire response information. Alternatively, the qualitative impact evaluation unit 14 may evaluate whether life has been 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 registered in advance as words indicating that life has been improved. Further, the qualitative impact evaluation unit 14 may evaluate whether life has been improved by performing speech recognition on the spoken voice included in the video to convert it into text and analyzing whether the words extracted by performing natural language analysis thereon match the keywords.

[0049] Note that the qualitative impact may be classified into a plurality of 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.

[0050] 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 (images, videos, interview articles, questionnaire response information, etc. that show the living conditions of the investment target) acquired 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 acquired by the investment-related information acquisition unit 12. Note that in the case of a donation or the like 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.

[0051] 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 living 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 a greater social impact.

[0052] 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.

[0053] 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.

[0054] 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.

[0055] In FIG. 4(a), the line graph AP of the actual amount C shows the cumulative value of the actual amounts of quantitative impact for three times. The line graphs EX1 and EX2 of the estimated amounts show the estimated amounts during the operation period and the estimated amounts after the passage of 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 passage of 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.

[0056] In FIG. 4(b), the line graph AP of the actual amount C ’ shows the cumulative value of the actual amounts of quantitative impact calculated for each of a plurality of timings during the fund operation period. The line graphs EX1 and EX2 of the estimated amounts are the same as those in FIG. 4(a). In FIG. 4(b), a straight line EX2’ after the passage of the fund operation period is added. This straight line EX2’ shows the cumulative value of the recalculated estimated amount of quantitative impact based on the impact-related information acquired by the impact-related information acquisition unit 11 at the timing at 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 immediately confirm that the actual performance has improved compared to the initial plan.

[0057] 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 for the investor to be able to see the face of the investment target they have invested in, the selection itself may be performed by the system rather than the investor.

[0058] Figure 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.

[0059] This report includes the cumulative value 51 of the quantitative impact in the entire fund. In the example of Figure 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 meaning.

[0060] In addition, the report includes the change amount 52 of the actual amount of quantitative impact for each of the three investees from the previous time, and a line graph 53 that visualizes the planned amount and actual amount of quantitative impact during the reporting period as cumulative values. As a result, investors can easily and clearly 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.

[0061] In addition, the report includes the total amount 54 of the planned amounts of quantitative impact for three people during the fund operation period. In the example of Figure 5, the investment amount of the investor and the total planned amount of the increase in the income of the investees are shown. As a result, investors can recognize that the total planned amount of quantitative impact is generated more than the investment amount.

[0062] In addition, the report includes the evaluation results 55 of qualitative impact and interview article or questionnaire response information 56 showing the living conditions of the investees. In the example of Figure 5, as the evaluation results 55 of qualitative impact, the categories in which the lives of the investees have 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 recall 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.

[0063] In addition, the report includes a photo 57 of the investee and a message 58 sent from the investee so that the investor 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 operation start date of the investment, the operation end date, the planned month and amount of payment of the economic return, and the total payment amount so far are shown.

[0064] Note that 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 gray or a cloudy sky, and when the achieved social impact is large, it may be blue or a clear sky, so that the magnitude of the achieved social impact can be intuitively grasped.

[0065] 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.

[0066] 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 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.

[0067] 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 passed since the previous information collection (initially, the start of investment operation) (step S1). If one month has not yet passed, the determination in step S1 is repeated. When one month has passed, 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).

[0068] 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 target 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).

[0069] 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).

[0070] 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).

[0071] 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 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, the process of saving the report data in the storage location indicated by the URL of the web page is performed. Thereafter, the process returns to step S1.

[0072] 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 to view the report.

[0073] 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 an investor is obtained at a plurality of regular or irregular timings from the start of the investment operation, and based on the obtained 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 an investor can be calculated and evaluated in such a form that it is monitored at a plurality of regular or irregular timings, so that the social impact can be calculated and evaluated with appropriate content. Also, unlike in Patent Document 1, it is not necessary to ensure the appropriateness of the 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.

[0074] 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 have the above functional configurations 11 to 14. 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.

[0075] 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. Further, 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.

[0076] 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. Further, 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.

[0077] 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. In addition, 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.

[0078] 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 financing 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.

[0079] 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 reinterpreting 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.

[0080] In addition, in the above embodiment, an example has been described in which a list of investment candidate persons 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.

[0081] (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 the components shown in FIG. 1 are denoted by the same reference numerals. As shown in FIG. 7, in the second embodiment, instead of the investor terminal 10 and the investee terminal 20A shown in FIG. 1, an investor terminal 10' and an investee terminal 20A' are provided. Further, instead of the impact management server 100 shown in FIG. 1, an impact management server 200 is provided. The impact management server 200 corresponds to the information processing apparatus in the claims, and the investor terminal 10' corresponds to the report display terminal in the claims.

[0082] 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 a function of a report display unit that acquires and displays from the impact management server 200 a report including content specified according to the investor attribute. 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 and registered from the information collection server 30 to the impact management server 200. Note that in the second embodiment and the third embodiment described later, the investor attribute can be read as the fund provider attribute, the investee attribute can be read as the fund recipient attribute, and the investment candidate can be read as the fund provider candidate.

[0083] In the second embodiment, the impact management server 200 executes a process of matching an investor and an investee based on the investor attributes acquired from the investor terminal 10' and the investee attributes acquired from the investee terminal 20A'. The investor can select a desired investee from among the matched investment candidates and make an investment. 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.

[0084] FIG. 8 is a block diagram showing a functional configuration example of the impact management server 200 according to the second embodiment. In this 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 investee 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.

[0085] 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 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.

[0086] 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 configured to include 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 configured to include the functional blocks 21 to 25. In the former case, the investment management server 40 and the impact management server 100 constitute the information processing apparatus of the claims. In the latter case, the impact management server 100 and the matching server constitute the information processing apparatus of the claims.

[0087] The investor attribute acquisition unit 21 acquires the investor attribute, which is the attribute information of the investor, from the investor terminal 10'. For example, the investor attribute acquisition unit 21 displays a web page for inputting the investor attribute on the investor terminal 10' and acquires the investor attribute input by the investor through the web page from the investor terminal 10'. The investor attribute acquired by the investor attribute acquisition unit 21 is, for example, the demographic attribute (age, gender, occupation, family composition, etc.) of the investor. Further, the investor attribute may include information indicating the interests and concerns of the investor. Specifically, the preferences of the investor (such as the presence or absence of family, the region of interest, the industry of interest, etc.) and the impact themes of interest (such as poverty, environment, healthcare, gender, employment, etc.) may be acquired.

[0088] The investment target attribute acquisition unit 22 acquires the investment target attribute, which is the attribute information of the investment target person, from the investment target person terminal 20A'. For example, the investment target attribute acquisition unit 22 displays a web page for inputting the investment target attribute on the investment target person terminal 20A' and acquires the investment target attribute input by the investment target person through the web page from the investment target person terminal 20A'. The investment target attribute acquired by the investment target attribute acquisition unit 22 is, for example, the demographic attribute of the investment target person. Further, the investment target attribute may include business attribute information related to the business conducted by the investment target person. 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.

[0089] The Information Management Department 23 records and manages the investor attributes for each investor in the database of the Attribute Information Storage Unit 26, and also records and manages the investee attributes for each investee in the database of the Attribute Information Storage Unit 26.

[0090] Based on the investor attributes and investee attributes stored in the database of the Attribute Information Storage Unit 26, the Matching Unit 24 extracts investees whose investee attributes match the predetermined matching conditions for the investor attributes, and presents the extracted investees to the investor terminal 10' as investment candidates. An investor can select a desired investee from among the investment candidates presented by the Matching Unit 24 and make an investment.

[0091] For example, the Matching Unit 24 extracts investees whose demographic attributes of the investees are the same as or similar to the demographic attributes of the investor as investment candidates that meet the matching condition. By extracting investment candidates under such matching conditions, the investor can feel a sense of familiarity with the investee selected from among the investment candidates, and can experience satisfaction and contribution to the investment activities.

[0092] In addition, the Matching Unit 24 extracts investees whose matters or demographic attributes included in the business attribute information of the investees are the same as or similar to the interests and concerns of the investor as investment candidates that meet the matching condition. By extracting investment candidates under such matching conditions, appropriate matching can be performed for investors who originally have goals, and the motivation of the investors for investment can be improved. Also, by selecting an investee that conducts a business related to the impact theme desired by the investor, it becomes possible to experience the contribution to the social issue that the investor is most interested in.

[0093] 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.

[0094] 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, 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 is 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.

[0095] 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 possibility of investment execution (the possibility of being selected as an investment target from among the investment candidates) for a certain investor attribute.

[0096] 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.

[0097] 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 ones with the largest investment execution probabilities. By performing such matching, it is possible to present to the investor the investment candidates with a high possibility of investment being made.

[0098] Also, for example, it may be possible to extract a predetermined number of investment target persons as investment candidates starting from the ones with the largest investment execution probabilities and the ones with the smallest investment execution probabilities, respectively. Alternatively, a predetermined number may be extracted starting from the ones with the largest investment execution probabilities and the remaining may be randomly extracted by a predetermined number. By doing so, it is possible to prevent the problem that the investor gets bored because only the investment target persons with the same tendency are listed.

[0099] Note that the matching unit 24 may perform matching based only on the investment execution probabilities 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 probabilities. 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.

[0100] Figure 9 is a flowchart showing an operation example of the matching unit 24 included in the impact management server 200 configured as described above. The processing of the flowchart shown in this Figure 9 starts, for example, when an 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 a plurality of investment targets are also already stored in the attribute information storage unit 26.

[0101] First, the matching unit 24 acquires the investor attributes of the investor who instructed the execution of 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, and extracts one or more investment targets whose investment target attributes match the predetermined matching conditions for the investor attributes (step S22), and presents the extracted investment targets to the investor terminal 10' as investment candidates (step S23).

[0102] 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 processing of the flowchart shown in Figure 9 ends.

[0103] 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 processing of the flowchart shown in Figure 9 ends.

[0104] Here, it has been described that the process of FIG. 9 starts when an investor instructs the execution of 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.

[0105] In the second embodiment, the operation when the report creation unit 15' creates 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 person selected by the investor targeted by the report, and creates a report including the content of the social impact generated by the business conducted by the selected investment target person.

[0106] As described in detail above, in the second embodiment, a report including the content specified according to the investor attributes is created and the created report is presented to the investor. Specifically, an investment target person whose investment target attributes match the predetermined matching conditions for the investor attributes is extracted, the extracted investment target person 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 person selected by the investor from among the investment candidates is created.

[0107] According to the second embodiment configured as described above, since a report with content according to the investor attributes is created, a report for investors visualizing the social impact can be created with appropriate content. In addition, since the optimal investment target person is selected according to the investor attributes, the probability leading to investment can be increased, and as a result, it becomes possible to maximize the impact on society.

[0108] (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 those 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. The impact management server 300 corresponds to the information processing device in the claims, and the investor terminal 10” corresponds to the report display terminal in the claims.

[0109] 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 investment target who has received investment from the investor, and includes a function of a report display unit that acquires and displays from the impact management server 300 a report including content specified according to the investor attributes. 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.

[0110] 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, so duplicate 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.

[0111] The above functional blocks 31 to 33 can be configured by any of hardware, DSP, or 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.

[0112] 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 ID). For example, as shown in Fig. 12(a), the format storage unit 34 stores a report format of an objective pattern that includes many input information items related to quantitative impact, and as shown in Fig. 12(b), a report format of an emotional pattern that includes many input information items related to qualitative impact. The report format of the objective pattern is a report format that includes input information items or layouts assumed to be valued by institutional investors. The report format of the emotional pattern is a report format that includes input information items or layouts assumed to be valued by individual investors.

[0113] 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.

[0114] The information management unit 32 records and manages the investor attributes in the database of the attribute information storage unit 35 for each investor. Also, when an additional investment action is taken by the 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.

[0115] 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, a report format specified based on the extracted investor attribute.

[0116] 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, a report format of an 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, a report format of an emotional pattern.

[0117] 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, further 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.

[0118] Individual investors may attach importance to the degree of contribution to social issues, while institutional investors may attach importance to more 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 the work efficiency of institutional investors (such as the efficiency of reporting to upstream investors of institutional investors).

[0119] In addition, the investor attributes and report formats according to the investor attributes explained above The above is an example and is not limited thereto. For example, when the investor attributes are information indicating that the investor is an individual investor, they may further include information indicating the interests and concerns of the individual investor. Specifically, they may include information indicating the investor's preferences (whether or not he / she has a family, areas of interest, industries of interest, etc.) and impact themes of interest (poverty, environment, healthcare, gender, employment, etc.).

[0120] The format acquisition unit 33 acquires a report format including input information items or layouts related to the interests and concerns of the individual investor from the format storage unit 34 based on the investor attributes. For example, if the investor attributes indicate that the investor is an individual investor and the investor's preferences indicate that he or she has a family, a report format including a large number of photos of the family looking happy or working hard is acquired. Alternatively, if the investor attributes indicate that the investor is an individual investor and the investor is interested in environmental themes, a report format including input information items in line with the impact theme, such as whether the equipment used by the investee contributes to reducing environmental impact, is acquired.

[0121] Furthermore, when the investor attributes are information indicating that the investor is an individual investor, they may further include information indicating the personality of the individual investor. The information indicating the personality may be acquired by a general means such as a questionnaire survey or a personality trait diagnosis such as the well-known Big Five. The information indicating the personality may also include information indicating whether the individual investor is wealthy or not. In this case, the format acquisition unit 33 acquires a report format including input information items or a layout predefined according to the personality from the format storage unit 34 based on the investor attributes.

[0122] 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.

[0123] 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, an investment professional, 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, an investment professional, or a business company.

[0124] 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.

[0125] 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.

[0126] 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 machine-learned model and acquire the format ID from the model.

[0127] 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 has a higher likelihood of additional investment being executed when used for a certain investor attribute.

[0128] 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 with a high likelihood of additional investment being executed when the investor attributes are input.

[0129] 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 this 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.

[0130] 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 the report target 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).

[0131] 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).

[0132] 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.

[0133] 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.

[0134] Although the first embodiment, the second embodiment, and the third embodiment have been described above, any two or three of these embodiments may be combined and applied.

[0135] In addition, each of the above-described first to third embodiments is merely an example of a specific implementation when implementing the present invention, and the technical scope of the present invention should not be limitedly interpreted 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

[0136] 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 that contributes to visualizing the social impact generated by the business conducted by the fund recipient who has received funding from the fund provider; A fund provider attribute acquisition unit that acquires the fund provider attribute, which is the attribute information of the fund provider; A format storage unit that 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; A format acquisition unit that acquires from the format storage unit the report format specified based on the fund provider attribute acquired by the fund provider attribute acquisition unit; A report creation unit that creates a report including the content defined by the report format acquired by the format acquisition unit according to the fund provider attribute acquired by the fund provider attribute acquisition unit, using the impact-related information acquired by the impact-related information acquisition unit; A report presentation unit that presents the report created by the report creation unit to the fund provider, characterized by a social impact presentation system.

2. A fund recipient attribute acquisition unit that acquires the fund recipient attribute, which is the attribute information of the fund recipient; A matching unit that extracts fund recipients whose fund recipient attributes match a predetermined matching condition with respect to the fund provider attributes, and presents the extracted fund recipients to the fund provider as potential fund recipients; The report creation unit creates a report including the content of the social impact generated by the business conducted by the fund recipient selected by the fund provider from among the potential fund recipients, using the impact-related information acquired by the impact-related information acquisition unit. The social impact presentation system according to claim 1, characterized by the above.

3. The fund provider attributes and the fund recipient attributes include demographic attributes, The matching unit extracts fund recipients whose demographic attributes match the demographic attributes of the fund provider, based on a matching condition that the demographic attributes of the fund recipient are the same or similar to those of the fund provider. The social impact presentation system according to claim 2, characterized by the above.

4. The fund provider attributes include information indicating the interests and concerns of the fund provider. The above-mentioned attributes of the fund recipient include information on the business attributes related to the business conducted by the above-mentioned fund recipient. The above-mentioned matching unit extracts fund recipients that meet the matching condition that the matters included in the above-mentioned business attribute information of the above-mentioned fund recipient are the same or similar to the above-mentioned interests and concerns of the above-mentioned fund provider. The social impact presentation system according to claim 2, characterized in that.

5. In a database for recording and managing the above-mentioned fund recipient attributes for each of the above-mentioned fund recipients, an information management unit that assigns an investment execution flag to the fund recipient selected by the above-mentioned fund provider, An investment execution probability acquisition unit that inputs each combination of the above-mentioned fund provider attributes and a plurality of the above-mentioned fund recipient attributes into a machine learning model and obtains investment execution probabilities corresponding to the plurality of fund recipient attributes from the model. The above-mentioned model is generated by machine learning processing using the above-mentioned fund provider attributes, the above-mentioned fund recipient attributes, and the above-mentioned investment execution flag as learning data. The above-mentioned matching unit extracts fund recipients having the above-mentioned fund recipient attributes corresponding to the investment execution probabilities that meet the above-mentioned predetermined matching conditions among the above-mentioned plurality of investment execution probabilities obtained by the above-mentioned investment execution probability acquisition unit. The social impact presentation system according to any one of claims 2 to 4, characterized in that.

6. The above-mentioned fund provider attributes include information for identifying whether the fund provider is an individual investor or an institutional investor. Based on the above-mentioned fund provider attributes obtained by the above-mentioned fund provider attribute acquisition unit, the above-mentioned format acquisition unit obtains from the above-mentioned format storage unit either a report format including input information items or layouts assumed to be valued by the above-mentioned individual investor or a report format including input information items or layouts assumed to be valued by the above-mentioned institutional investor. The social impact presentation system according to claim 1, characterized in that.

7. When the above-mentioned fund provider attributes include information indicating that the fund provider is the above-mentioned individual investor, the above-mentioned fund provider attributes further include information indicating the interests and concerns of the above-mentioned individual investor. Based on the above-mentioned fund provider attributes obtained by the above-mentioned fund provider attribute acquisition unit, the above-mentioned format acquisition unit obtains from the above-mentioned format storage unit a report format including input information items or layouts related to the interests and concerns of the above-mentioned individual investor. The social impact presentation system according to claim 6, characterized in that...

8. When the fund provider attribute includes information indicating that the fund provider is an individual investor, it further includes information indicating the personality of the individual investor. Based on the fund provider attribute acquired by the fund provider attribute acquisition unit, the format acquisition unit acquires a report format including input information items or layouts defined in advance according to the personality from the format storage unit. The social impact presentation system according to claim 6, characterized in that...

9. When the fund provider attribute includes information indicating that the fund provider is an institutional investor, it further includes information for identifying whether the institutional investor is a financial institution, a professional investment firm, or a business company. When the format acquisition unit acquires a report format related to the institutional investor based on the fund provider attribute acquired by the fund provider attribute acquisition unit, it acquires a report format associated in advance with any one of the financial institution, the professional investment firm, or the business company from the format storage unit. The social impact presentation system according to claim 6, characterized in that...

10. When the fund provider attribute includes information indicating that the fund provider is a financial institution, it further includes information for identifying whether the customer layer of the financial institution is an impact investor. When the format acquisition unit acquires a report format related to the financial institution based on the fund provider attribute acquired by the fund provider attribute acquisition unit, it acquires a report format associated in advance according to whether the customer layer of the financial institution is an impact investor from the format storage unit. The social impact presentation system according to claim 9, characterized in that...

11. An impact-related information acquisition unit that acquires impact-related information contributing to the visualization of the social impact generated by the business conducted by the fund recipient who has received funds from the fund provider; A fund provider attribute acquisition unit that acquires the fund provider attribute, which is the attribute information of the fund provider; A format storage unit that stores a plurality of report formats in which at least one of the input information items and the layout is defined in advance, together with their respective identification information. A format acquisition unit that acquires from the format storage unit a report format specified based on the fund provider attribute acquired by the fund provider attribute acquisition unit; A report creation unit that creates a report including content defined by the report format acquired by the format acquisition unit according to the fund provider attribute acquired by the fund provider attribute acquisition unit, using the impact-related information acquired by the impact-related information acquisition unit; A report presentation unit that presents the report created by the report creation unit to the fund provider, characterized by an information processing apparatus.

12. A step in which an impact-related information acquisition unit of a computer acquires impact-related information that contributes to the visualization of the social impact generated by the business conducted by the fund recipient who has received the fund from the fund provider; A step in which a fund provider attribute acquisition unit of the computer acquires a fund provider attribute that is the attribute information of the fund provider; A step in which a format acquisition unit of the computer acquires from a format storage unit that stores a plurality of report formats in which at least one of input information items and layout is defined in advance together with their respective identification information, a report format specified based on the fund provider attribute acquired by the fund provider attribute acquisition unit; A step in which a report creation unit of the computer creates a report including content defined by the report format acquired by the format acquisition unit according to the fund provider attribute acquired by the fund provider attribute acquisition unit, using the impact-related information acquired by the impact-related information acquisition unit; A step in which a report presentation unit of the computer presents the report created by the report creation unit to the fund provider, characterized by an information processing method.

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