Information processor

Abstract

To provide a fund product where an object of investment excels in investment yield, demand-and-supply balance and stability in market as well as being capable of allocating desired profit and loss by an investor.SOLUTION: A purchase selling amount arithmetic unit 301 calculates purchase amount of t number of vehicles and a sales amount after a prescribed passage of time. A lease fee arithmetic unit 303 calculates a lease fee for each of the t number of vehicles with a fund manager FM who purchased each of the t number of vehicles as a lessor. A profit and loss arithmetic unit 304 calculates each of a profit and loss amount of a truck fund and the profit and loss amount of an investor investing on the fund product by purchasing the fund product composed of a combination of the t number of vehicles, based on the lease fee, the purchase amount, and the sale amount. A product optimization unit 202 has various calculations repeatedly executed and determines content of the fund product so that the profit and loss amount of the truck fund becomes the desired amount by an investor I based on the executed results.SELECTED DRAWING: Figure 3

Description

Technical Field

[0001] The present invention relates to an information processing apparatus.

Background Art

[0002] Conventionally, an operation strategy formulation system has been proposed for the purpose of smoothly promoting investment activities in a fund and stably paying high dividends to investors (see, for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, investors have a demand to target for investment a fund that is superior in terms of operation return, supply-demand balance, and stability of the trading market compared to conventional technologies including Patent Document 1, and that can record a desired profit and loss.

[0005] The present invention has been made in view of such circumstances, and an object thereof is to provide an investor with a fund product in which the investment target is excellent in operation return, supply-demand balance, and stability of the trading market, and can record a profit and loss desired by the investor.

Means for Solving the Problems

[0006] To achieve the above object, an information processing apparatus according to one aspect of the present invention a purchase and sales amount calculation unit that calculates the purchase amount of t vehicles (t is an integer value of 1 or more) including vehicle type, history information including the elapsed years, and price as at least a parameter, and the sales amount after a predetermined period has elapsed; A rental fee calculation unit that calculates the rental fee when renting each of the t vehicles on the runway to a predetermined borrower under a lease contract, with the purchaser of each of the t vehicles as the lender; A profit and loss calculation unit that calculates each of the profit and loss amount of the lender and the profit and loss amount of an investor who purchases a fund product consisting of the combination of the t vehicles, based on the rental fee, the purchase amount, and the sales amount; A product optimization unit that changes the combination of the parameter, the t vehicles, the purchase amount, the sales amount, the rental fee, the profit and loss of the lender, and the profit and loss of the investor, repeatedly executes the processes of the purchase and sales amount calculation unit, the rental fee calculation unit, and the profit and loss calculation unit, and determines the content of the fund product so that the profit and loss amount of the lender becomes the amount desired by the investor based on the execution result; Comprising.

[0007] It further comprises a depreciation calculation unit that calculates the depreciation of each of the t vehicles; The profit and loss calculation unit further Calculates each of the profit and loss amount of the lender and the profit and loss amount of an investor who purchases a fund product, based on the rental fee, the depreciation, the purchase amount, and the sales amount; The product optimization unit further Changes the combination of the parameter, the t vehicles, the purchase amount, the sales amount, the depreciation, the rental fee, the profit and loss of the lender, and the profit and loss of the investor, repeatedly executes the processes of the purchase and sales amount calculation unit, the depreciation calculation unit, the rental fee calculation unit, and the profit and loss calculation unit, and can determine the content of the fund product so that the profit and loss amount of the lender becomes the amount desired by the investor based on the execution result.

[0008] Also, the product optimization unit further Based on the amount of funds raised by the lender through a loan and the amount of funds raised by selling the fund product, it can optimize the combination of the loan and the fund so that the profit and loss amount of the lender becomes the amount desired by the investor.

[0009] Further, at least a part of the t vehicles may include a towing motor vehicle separable into a tractor and a trailer.

[0010] Further, the rental fee calculation unit may further calculate the rental fee of the vehicle based on the amount of consideration obtained when the borrower provides a predetermined service using the vehicle.

[0011] Further, the vehicle can be a commercial goods transport vehicle.

[0012] Further, the vehicle can be a vehicle for carrying passengers.

Advantages of the Invention

[0013] According to the present invention, it is possible to provide a fund product in which the investment target is excellent in operation return, supply-demand balance, and stability of the trading market, and can record the profit and loss desired by investors.

Brief Description of the Drawings

[0014]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Embodiments for Carrying Out the Invention

[0015] Hereinafter, embodiments of the present invention will be described with reference to the drawings.

[0016] FIG. 1 is a diagram showing an outline of the configuration of an information processing system including an information processing apparatus according to an embodiment of the present invention.

[0017] The information processing system shown in FIG. 1 includes a service - providing server 1 operated by a fund manager FM, investor terminals 2 - 1 to 2 - n respectively operated by investors I - 1 to I - n (n is an arbitrary integer value of 1 or more), seller terminals 3 - 1 to 3 - m respectively operated by sellers S - 1 to S - m (m is an arbitrary integer value of 1 or more), and borrower terminals 4 - 1 to 4 - p respectively operated by borrowers R - 1 to R - p (p is an arbitrary integer value of 1 or more). They are configured to be interconnected via a predetermined network N such as the Internet.

[0018] Here, the fund manager FM refers to an individual or organization that operates and increases the assets entrusted from investors I - 1 to I - n as an operation entity of a fund targeting commercial goods transport vehicles. The target of the fund to which the present invention is applied is a vehicle. In particular, in this embodiment, used commercial goods transport vehicles are adopted. Note that the vehicle in the present invention is not particularly limited. For example, it can include all vehicles such as cargo transport vehicles like trucks and trailers, and vehicles for carrying passengers like buses. Also, unless otherwise specified in this specification, when simply referred to as a used vehicle, it means a used commercial goods transport vehicle.

[0019] Investors I-1 to I-n are individuals or legal entities that invest their current assets in a fund mainly for the purpose of increasing their assets in the future, including, for example, individual investors, institutional investors, etc. In addition, the purpose of investors I-1 to I-n investing in the fund includes that the profit and loss amount of the track fund with respect to their investment amount becomes the amount desired by investors I-1 to I-n. Sellers S-1 to S-m are those who sell commercial goods transportation vehicles based on a sales contract of commercial goods transportation vehicles with the fund manager FM and obtain consideration, including, for example, transportation companies that sell used commercial goods transportation vehicles that are no longer used in business as used vehicles. Borrowers R-1 to R-p are those who lease one or more commercial goods transportation vehicles targeted by the fund based on a lease contract with the fund manager FM, including, for example, transportation companies that operate the transportation business using used vehicles.

[0020] In addition, among the commercial goods transportation vehicles targeted by the fund, it is possible to include towing motor vehicles that can be divided into a tractor and a trailer (a loading platform or a passenger car). Here, since the tractor and the trailer are combined when moving but can be separated when stored, for borrower R-1, if there is one or more tractors, it is also possible to store more trailers. Therefore, in this embodiment, the tractor and the trailer are handled separately and can be the target of the fund individually. That is, when describing a "single commercial goods transportation vehicle" for a towing motor vehicle, in addition to the meaning of "one towing motor vehicle (a set of a tractor and a trailer)", it also includes the meaning of "one tractor" or "one trailer".

[0021] In addition, hereinafter, when it is not necessary to distinguish each of investors I-1 to I-n, investor terminals 2-1 to 2-n, sellers S-1 to S-m, seller terminals 3-1 to 3-m, borrowers R-1 to R-p, and borrower terminals 4-1 to 4-p individually, these are collectively referred to as "investor I", "investor terminal 2", "seller S", "seller terminal 3", "borrower R", and "borrower terminal 4" respectively.

[0022] The service-providing server 1 executes various processes to manage the operations of the investor terminal 2, the seller terminal 3, and the borrower terminal 4. The investor terminal 2 is an information processing terminal operated by each investor I, and is composed of, for example, a personal computer, a smartphone, or the like. The seller terminal 3 is an information processing terminal operated by each seller S, and is composed of, for example, a personal computer, a smartphone, or the like. The borrower terminal 4 is an information processing terminal operated by each borrower R, and is composed of, for example, a personal computer, a smartphone, or the like.

[0023] Specifically, in this embodiment, the service-providing server 1 manages the operations of the investor terminal 2, the seller terminal 3, and the borrower terminal 4 as follows.

[0024] That is, in this embodiment, the fund manager FM purchases t (t is an integer value of 1 or more) business-use freight transport vehicles from the seller S, and concludes a vehicle sales contract, a vehicle lease contract, and an asset management contract with the fund. Here, the asset management contract refers to a contract in which the fund manager FM undertakes to manage the business-use freight transport vehicles on behalf of the fund, which is the owner of the business-use freight transport vehicles. In addition, the fund manager FM leases t business-use freight transport vehicles from the fund and leases the t business-use freight transport vehicles to the borrower R. Therefore, the fund manager FM can obtain profits based on the vehicle sales contract and the asset management contract with the fund and the lease contract with the borrower R. In addition, the fund can obtain profits based on the vehicle lease contract with the fund manager FM and the sale of the t business-use freight transport vehicles after a predetermined number of years have passed. Also, based on this, a stable dividend can be paid to the investor I. Note that a fund having such a profit structure as described below is called a "truck fund".

[0025] Here, as the commercial goods transport vehicle targeted by the truck fund, a new vehicle may be adopted, but in this embodiment, a used vehicle is adopted. This is for the following reasons. First, as a premise, at least in Japan, for tax purposes, regardless of whether it is a new vehicle or a used vehicle, in the accounting process when purchasing a vehicle, it is not recognized that all of the amount required for the acquisition of the vehicle is immediately expensed. This is because a vehicle is used over several years and needs to be expensed as depreciation according to the usage period of the vehicle. Note that the said usage period is called the "useful life". In this case, investor I can record the depreciation expense of the portion of the purchase cost of the commercial goods transport vehicle targeted by the truck fund that he himself invested in his own accounting during the period until the useful life elapses. That is, by purchasing the truck fund product, investor I can enjoy the benefits in terms of the tax system. The benefits of depreciation such as in terms of the tax system are particularly greater for used vehicles compared to new vehicles. This is because generally, used vehicles are considered to be unable to be used as long as new vehicles, so the useful life of used vehicles is shorter than that of new vehicles. That is, used vehicles have the advantage of being able to be expensed (depreciated) in a shorter period than new vehicles in accounting treatment. For this reason, it can be said that used vehicles are excellent investment targets with a good return on investment for investor I and a stable supply-demand balance and trading market.

[0026] Also, even when compared with a fund targeting real estate such as housing and buildings where the useful life is even longer than that of new vehicles, since the useful life of used vehicles is much shorter than that of real estate, investor I can enjoy the benefits of depreciation in a short period. Furthermore, even when compared with aircraft funds, ship funds, etc. that are often operated overseas, investor I can enjoy the advantage of having a low risk of exchange rate fluctuations. That is, the truck fund becomes an excellent fund product that can obtain stable dividends for investor I and can record depreciation expenses in a short period.

[0027] In this regard, the fund manager FM can provide such excellent fund products (truck funds) to the investor I with confidence. Also, even if dividends are paid to the investor I, the fund manager FM can fully recover the profits.

[0028] Also, in the case of a truck fund, the borrower R who operates a transportation company can obtain a new procurement method for commercial goods transportation vehicles, that is, lease used vehicles from the fund manager FM as commercial goods transportation vehicles. That is, the conventional procurement method for general commercial goods transportation vehicles is that the transportation company itself purchases commercial goods transportation vehicles. In this case, although the purchase cost of commercial goods transportation vehicles, taxes such as automobile tax, etc. are borne by the transportation company itself, it cannot obtain a high evaluation as a financial asset value. Also, the risk of vehicle breakdown will also follow. That is, in the conventional procurement method for general commercial goods transportation vehicles, the above-mentioned demerits will occur. However, in the case of a truck fund, since the ownership of the commercial goods transportation vehicles used by the borrower R who operates a transportation company belongs to the truck fund, the demerits that occur when the transportation company directly purchases commercial goods transportation vehicles do not occur. That is, the borrower R only needs to pay the monthly lease fee to the fund manager FM based on the content of the vehicle lease contract concluded between the borrower R and the fund manager FM without owning the commercial goods transportation vehicle. Also, regarding financial burdens such as automobile tax and risks such as vehicle breakdown, depending on the content of the lease contract, in some cases, it may be the truck fund rather than the borrower R that bears the burden. Therefore, when the business entity (balance sheet, etc.) of the borrower R is evaluated by a third party including financial institutions, etc., the borrower R will be evaluated higher when procured by lease than when procured by purchasing commercial goods transportation vehicles.

[0029] In this way, the product of the truck fund is an attractive fund that can bring benefits to any of the investor I, the fund manager FM, and the borrower R. Therefore, it is desirable that the content of the product of the truck fund optimizes the profits and losses of the four parties including the investor I, the fund manager FM, the truck fund, and the borrower R. That is, in order to perform such optimization, the fund manager FM needs to consider the optimal combination as the combination of the following items (1) to (5) for each of the t commercial freight transport vehicles. (1) The purchase amount including at least the vehicle type, the historical information including the number of years elapsed since it was sold as a new vehicle, and the vehicle price as parameters (hereinafter referred to as "parameter information") (2) The sales amount (trade-in price) after a predetermined period has elapsed after purchase from the seller S (3) Depreciation expense (4) The rental fee when renting to a predetermined borrower R (5) The profits and losses of the investor I, the fund manager FM, the truck fund, and the borrower R

[0030] The service providing server 1 in the present embodiment performs simulations for various combinations of the above (1) to (5). As a result, it becomes possible to provide a product of a truck fund based on the optimal combination of a plurality of commercial freight transport vehicles. Such a product is an optimal product that comprehensively considers the profits and losses of the investor I, the profits and losses of the fund manager FM, the truck fund, and the borrower R (rental fees and financial advantages and disadvantages).

[0031] Details of these processes executed by the service providing server 1 will be described later with reference to FIGS. 3 and 4.

[0032] FIG. 2 is a block diagram showing the hardware configuration of the service providing server 1 in FIG. 1.

[0033] The service providing server 1 includes a CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12, a RAM (Random Access Memory) 13, a bus 14, an input / output interface 15, an output unit 16, an input unit 17, a storage unit 18, a communication unit 19, and a drive 20.

[0034] The CPU 11 executes various processes according to a program recorded in the ROM 12 or a program loaded from the storage unit 18 to the RAM 13. In the RAM 13, data and the like necessary for the CPU 11 to execute various processes are appropriately stored.

[0035] The CPU 11, ROM 12, and RAM 13 are interconnected via the bus 14. The input / output interface 15 is also connected to this bus 14. The output unit 16, input unit 17, storage unit 18, communication unit 19, and drive 20 are connected to the input / output interface 15.

[0036] The output unit 16 is composed of a display, a speaker, etc., and outputs various information as images and sounds. The input unit 17 is composed of a keyboard, a mouse, etc., and inputs various information.

[0037] The storage unit 18 is composed of a hard disk, a DRAM (Dynamic Random Access Memory), etc., and stores various data. The communication unit 19 communicates with other devices (in the example of FIG. 1, investor terminals 2-1 to 2-n, seller terminals 3-1 to 3-m, and borrower terminals 4-1 to 4-p) via a network N including the Internet.

[0038] A removable medium 30 made of a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory, etc., is appropriately mounted on the drive 20. The program read from the removable medium 30 by the drive 20 is installed in the storage unit 18 as necessary. In addition, the removable medium 30 can also store various data stored in the storage unit 18, similar to the storage unit 18.

[0039] Although not shown in the drawings, among the information processing systems in FIG. 1, the investor terminal 2, the seller terminal 3, and the borrower terminal 4 as one embodiment of the present invention also have the hardware configuration shown in FIG. 2.

[0040] FIG. 3 is a functional block diagram showing an example of the functional configuration of the service providing server 1 in the information processing system of FIG. 1.

[0041] In the CPU 11 (FIG. 2) of the service providing server 1, as shown in FIG. 3, a simulation unit 201 and a product optimization unit 202 function. In one area of the storage unit 18 (FIG. 2), a vehicle DB 401 and a calculation result DB 402 are provided.

[0042] The simulation unit 201 includes a purchase sales amount calculation unit 301, a depreciation calculation unit 302, a rental fee calculation unit 303, and a profit and loss calculation unit 304.

[0043] In the simulation unit 201, for example, for a combination of t (t is an integer value of 1 or more) business cargo transportation vehicles arbitrarily selected from a plurality of business cargo transportation vehicles, the following calculations are executed in each calculation unit. For each of the arbitrarily selected t business cargo transportation vehicles, at least the vehicle type, historical information including the elapsed years, and the price are associated as parameters and stored and managed in the vehicle DB 401. Here, the combination of t business cargo transportation vehicles can include not only those currently owned by the truck fund but also business cargo transportation vehicles that the truck fund can purchase in the future.

[0044] The purchase sales amount calculation unit 301 calculates the purchase amount and the sales amount (trade-in price) after the elapse of a predetermined period for each of the t business cargo transportation vehicles. For the commercial freight vehicles currently owned by the truck fund, the amount paid when actually purchasing the commercial freight vehicle is calculated as the purchase amount. Also, for the commercial freight vehicles that the truck fund can purchase in the future, the predicted purchase amount calculated based on the information obtained from the seller terminal 3 becomes the purchase amount. Note that the specific amount of the investment of the investor I is determined based on the purchase amounts of these t commercial freight vehicles. The sales amount (trade-in price) after the lapse of a predetermined period is the predicted sales amount calculated based on the above parameters and the purchase amounts of the commercial freight vehicles. Note that specific examples of the purchase amounts of commercial freight vehicles calculated by the purchase and sales amount calculation unit 301 will be described later with reference to FIG. 5A.

[0045] The depreciation calculation unit 302 calculates the depreciation expenses of each of the t commercial freight vehicles based on the calculation results of the purchase amounts and the like by the purchase and sales amount calculation unit 301. Note that specific examples of the depreciation expenses of commercial freight vehicles calculated by the depreciation calculation unit 302 will be described later with reference to FIG. 5B.

[0046] The rental fee calculation unit 303 calculates the rental fees when renting each of the t commercial freight vehicles to the borrower R based on a lease contract, with the fund manager FM who rented each of the t commercial freight vehicles from the truck fund as the lessor. This rental fee is a variable factor and is calculated by a predetermined algorithm. Also, the rental fee of the commercial freight vehicle can be calculated based on the amount of consideration obtained when the borrower R provides a predetermined service using the commercial freight vehicle. Thereby, the fund manager FM can rent out the commercial freight vehicle and provide (mediate) the specific freight transportation business itself using the commercial freight vehicle to the borrower R. Note that specific examples of the rental fees of commercial freight vehicles calculated by the rental fee calculation unit 303 will be described later with reference to FIG. 5C.

[0047] Based on the calculation results of the purchase and sales amount calculation unit 301, the depreciation calculation unit 302, and the rental cost calculation unit 303, the profit and loss calculation unit 304 calculates the profit and loss amount of the truck fund, the profit and loss amount of the investor I, and the profit and loss amount of the borrower R, respectively. Here, the profit and loss of the truck fund is mainly the amount obtained by subtracting the depreciation expense and various expenses for the commercial goods transportation vehicle from the total amount of the rental income and sales amount (trade-in price) of the commercial goods transportation vehicle. Also, the profit and loss of the investor I is mainly the amount obtained by subtracting the depreciation expense of the commercial goods transportation vehicle that can be accounted for as its own expense from the dividend amount of the truck fund. The profit and loss of the borrower R mainly includes the difference between the expenses required when purchasing the commercial goods transportation vehicle at its own expense and the expenses required when renting it, and the improvement of the company's asset value that may occur due to the change from self-purchase to rental. Regarding specific examples of various profit and loss amounts calculated by the profit and loss calculation unit 304, they will be described later with reference to FIG. 6.

[0048] One simulation result for a predetermined combination of such t commercial goods transportation vehicles is stored in the calculation result DB402.

[0049] The product optimization unit 202 repeatedly executes each process in the purchase and sales amount calculation unit 301, the depreciation calculation unit 302, the rental cost calculation unit 303, and the profit and loss calculation unit 304 while changing the combination of parameters, purchase amount, sales amount, depreciation expense, rental cost, profit and loss of the truck fund, profit and loss of the investor I, and profit and loss of the borrower R for each of the t commercial goods transportation vehicles. Then, based on the execution results of each process, the product optimization unit 202 determines the content of the truck fund product so that the profit and loss amount of the truck fund becomes the amount desired by the investor I. That is, the product optimization unit 202 repeatedly executes the simulation by the simulation unit 201 while changing the combination of parameters, purchase amount, sales amount, depreciation expense, rental fee, profit and loss of the truck fund, profit and loss of the investor I, and profit and loss of the borrower R for each of the t business-use freight transport vehicles. Then, the product optimization unit 202 determines the product content of the truck fund based on a number of simulation results by the simulation unit 201. In this way, the content of the truck fund product becomes optimal for the fund manager FM, the investor I, and the borrower R. For specific examples of the truck fund products optimized by the product optimization unit 202, reference will be made to FIGS. 7 and 8 and described later.

[0050] The above has described the case where the operating entity of the truck fund is the fund manager FM. Note that the case to which the information processing apparatus according to an embodiment of the present invention can be applied is not limited to the case where the operating entity of the truck fund is the fund manager FM. For example, it can also be applied in the case where a single company serves as the operating entity without taking the form of a fund. In this way, the case where the operating entity is a single company without taking the form of a fund will be described with reference to FIG. 4. FIG. 4 is a functional block diagram showing an example of the functional configuration of the service providing server 1, the seller terminal 3, and the borrower terminal 4 in FIG. 1. In the example of FIG. 4, the single company serving as the operating entity is described as "manager M".

[0051] As can be easily understood by comparing FIG. 3 and FIG. 4, the functional configuration of the service providing server 1 is the same regardless of the operating entity. That is to say, there are two differences between the case where the operating entity is the fund manager FM and the case where the operating entity is the manager M (a single company). Namely, the first one is the difference in the source of funds for the purchase amount of t business freight transport vehicles. That is, the source of funds for the purchase amount of t business freight transport vehicles is the investment amount of the investor I in the former case, while in the latter case, it is the amount separately prepared by the manager M (a single company). Also, the second difference is that in the latter case, since there is no investor I, there is no dividend itself, and all the profits generated by the truck fund will be the profits of the manager M. Except for the above two differences, the two are basically the same. Therefore, even when the operating entity is the manager M (a single company), through the same simulation as when the operating entity is the fund manager FM, the optimal content of the truck fund product is determined.

[0052] As described above with reference to FIGS. 3 and 4, the service providing server 1 executes various processes so as to provide a truck fund product with the optimal content for the fund manager FM, the manager M, the investor I, and the borrower R.

[0053] Hereinafter, with reference to FIGS. 5 to 8, an example will be described assuming that the amount the investor I intends to invest is 30,000,000 yen and the amount the investor I wants to record in the profit and loss statement in the first year is 18,000,000 yen, which is 60% of the investment amount. Specifically, it will be described assuming a case where, as a result of each process being executed in the service providing server 1, a truck fund product with the number of business freight transport vehicles "8 units", the investment amount of the investor I "30,000,000 (yen)", and the profit and loss amount in the first year "-17,293,333 (yen)" is proposed to the investor I. FIGS. 5 to 8 are diagrams showing specific examples of the results of various calculations performed in the simulation unit 201 and the results of the optimization process performed in the product optimization unit 202.

[0054] FIG. 5A is a diagram showing a specific example of information stored in the calculation result DB 402 as a calculation result by the purchase / sales amount calculation unit 301 of the simulation unit 201. In the example shown in FIG. 5A, using the vehicle type name, model, and model year of each of the eight cargo transport vehicles as parameters, the incorporation price (purchase amount), residual value rate, and selling price (sales amount) after two years of depreciation period have elapsed are calculated. Specifically, as the first of the eight business-use cargo transport vehicles that make up the truck fund's products, based on the parameters of the business-use cargo transport vehicle with a vehicle type name of "Large Van (Wing)", a model of "FS64JZ-550", and a model year of "(Heisei) 19 (year)", the calculation results show that the incorporation price is "2,500,000 (yen)", the residual value rate is "40.00%", and the selling price is "1,000,000 (yen)". Also, as the second of the eight business-use cargo transport vehicles that make up the truck fund's products, based on the parameters of the business-use cargo transport vehicle with a vehicle type name of "2t Van", a model of "XZU548-000", and a model year of "(Heisei) 21 (year)", the calculation results show that the incorporation price is "1,000,000 (yen)", the residual value rate is "30.00%", and the selling price is "300,000 (yen)". In addition, regarding other specific examples of the information stored in the calculation result DB 402 as the calculation result by the purchase / sales amount calculation unit 301, as shown in FIG. 5A, the total incorporation price is "27,200,000 (yen)" and the total selling price is "15,500,000 (yen)".

[0055] FIG. 5B is a diagram showing a specific example of information stored in the calculation result DB 402 as a calculation result by the depreciation calculation unit 302 of the simulation unit 201. In the example shown in FIG. 5B, together with the depreciation method (constant rate method in the example of FIG. 5B) and the depreciation rate for each year, the calculation results regarding the depreciation year determination (result), depreciation rate determination (result), number of months until the initial annual settlement, and depreciation amount for each year for each of the eight cargo transport vehicles are shown. Specifically, as the first of the eight commercial freight transport vehicles that make up the truck fund product, the calculation results show that the depreciation period determination (result) is "2 years", the depreciation rate determination (result) is "100.00%", the depreciation amount in the first year is "1,666,667 (yen)", and the depreciation amount in the second year is "833,333 (yen)". Also, as the second of the eight commercial freight transport vehicles that make up the truck fund product, the calculation results show that the depreciation period determination (result) is "2 years", the depreciation rate determination (result) is "100.00%", the depreciation amount in the first year is "666,667 (yen)", and the depreciation amount in the second year is "333,333 (yen)". In addition, regarding other specific examples of the information stored in the calculation result DB402 as the calculation results by the depreciation calculation unit 302, as shown in FIG. 5B, the total depreciation amount in the first year is "18,133,333 (yen)", and the total depreciation amount over the entire period is "27,200,000 (yen)".

[0056] FIG. 5C is a diagram showing a specific example of the information stored in the calculation result DB402 as the calculation results by the lease cost calculation unit 303 of the simulation unit 201. In the example shown in FIG. 5C, the calculation results regarding the borrower (name of borrower R), monthly lease fee (gross), AM (asset management) remuneration, annual expenditure (vehicle inspection and maintenance), monthly lease income (net), etc. for each of the eight freight transport vehicles are shown. Specifically, as the first of the eight commercial freight transport vehicles that make up the truck fund product, the calculation results show that the name of borrower R is "Limited Company ○○ Transportation", the monthly lease fee (gross) is "100,000 (yen)", the AM remuneration is "5,000 (yen)", the annual expenditure (vehicle inspection and maintenance) is "477,700 (yen)", the monthly expenditure (vehicle inspection and maintenance) is "39,808 (yen)", and the monthly lease income (net) is "50,192 (yen)". Also, as the second of the eight commercial freight transport vehicles that make up the truck fund product, the name of the borrower R is "XX Transportation Co., Ltd.", the monthly lease fee (gross) is "50,000 (yen)", the AM remuneration is "2,500 (yen)", the annual expenditure (vehicle inspection and maintenance) is "252,000 (yen)", the monthly expenditure (vehicle inspection and maintenance) is "21,000 (yen)", and the monthly rental income (net) is shown as "24,000 (yen)". In addition, regarding other specific examples of the information stored in the calculation result DB402 as the calculation result by the rental fee calculation unit 303, as shown in FIG. 5C, the total monthly lease fee (gross) is "671,000 (yen)".

[0057] FIG. 6 is a diagram showing a specific example of the information stored in the calculation result DB402 as the calculation result by the profit and loss calculation unit 304 of the simulation unit 201. In the example shown in FIG. 6, as the calculation result by the profit and loss calculation unit 304, the investment conditions, the cash flow, and the profit and loss statement (the profit and loss amount of the truck fund) are shown. As the investment conditions, the investment amount, the loss in the first year, the loss in the second year, the investment period, and the final profit and loss (the profit and loss of the investor) are shown. Specifically, it is shown that the final profit and loss (the profit and loss of the investor) is "103.87%". That is, in the example shown in FIG. 6, the investor I can finally obtain a dividend of 3.83% of the investment amount by purchasing (i.e., investing in) the truck fund product. In addition, in the first period (the first year) in the examples of FIGS. 5 to 8, as shown in the "number of months until the annual settlement" in FIG. 5B, it is "8 (months)".

[0058] As the cash flow shown in FIG. 6, the calculation results for the investment amount of TK (anonymous group), financing, lease fee (rental fee), provisional consumption tax amount, consumption tax refund amount, vehicle sales amount (sales amount), vehicle purchase amount, expenses, provisional payment consumption tax amount, consumption tax payment amount, financing repayment amount, TK (anonymous group) principal repayment amount, balance, and CF (cash flow) cumulative amount are shown. Note that the "investment amount of TK (anonymous group)" refers to the investment amount by investor I. Also, "financing" refers to the borrowed money by a loan from a financial institution. That is, as the procurement funds for commercial goods transport vehicles, not only the investment funds from investor I but also the borrowed money by a loan from a financial institution can be used. Thereby, the fund manager FM can provide the product of the truck fund considering the balance between the fund and the loan to investor I. Note that the calculation result considering the balance between the fund and the loan will be described later with reference to FIG. 7.

[0059] As shown in FIG. 6, in the first period, the calculation results show that the investment amount of TK (anonymous group) is "30,000,000 (yen)", the financing amount is "0 (yen)", the lease fee (rental fee) is "5,368,000 (yen)", the provisional consumption tax amount is "429,440 (yen)", the consumption tax refund amount is "0 (yen)", the vehicle sales amount (sales amount) is "0 (yen)", the vehicle purchase amount is "27,200,000 (yen)", the expenses are "4,528,000 (yen)", the provisional payment consumption tax amount is "2,538,240 (yen)", the consumption tax payment amount is "0 (yen)", the financing repayment amount is "0 (yen)", the TK (anonymous group) principal repayment amount is "0 (yen)", the balance is "1,531,200 (yen)", and the CF (cash flow) cumulative amount is "1,531,200 (yen)".

[0060] Here, among the cash flows shown in Fig. 6, the lease fee (rental fee) for the first period, "5,368,000 (yen)", is consistent with the total monthly lease fee (gross) shown in Fig. 5C, "671,000 (yen)", for 8 months. Also, among the cash flows shown in Fig. 6, the vehicle sales amount for the fourth period, "15,500,000 (yen)", is consistent with the total sales price shown in Fig. 5A (i.e., the sales price for 8 units). Further, among the cash flows shown in Fig. 6, the vehicle purchase amount for the first period, "27,200,000 (yen)", is consistent with the total incorporated price shown in Fig. 5A (i.e., the incorporated price for 8 units).

[0061] As the profit and loss statement (profit and loss amount of the truck fund) shown in Fig. 6, the lease fee (rental fee) and the vehicle sales amount (sales amount) are regarded as revenues, and various expenses, borrowing interest, and depreciation expenses are regarded as expenses, and the profit amount and the cumulative profit amount are calculated. Specifically, in the first period, since the lease fee (rental fee) is "5,368,000 (yen)" and the vehicle sales amount is "0 (yen)", the total revenue amount is "5,368,000 (yen)". Also, since various expenses are "4,528,000 (yen)", borrowing interest is "0 (yen)", and depreciation expense is "18,133,333 (yen)", the total expense amount is "22,661,333 (yen)". As a result, the calculated results show a profit amount of "-17,293,333 (yen)" and a cumulative profit amount of "-17,293,333 (yen)".

[0062] Here, among the profit and loss statements shown in Fig. 6, the lease fee (rental fee) for the first period, "5,368,000 (yen)", is consistent with the total monthly lease fee (gross) shown in Fig. 5C, "671,000 (yen)", for 8 months. Also, among the profit and loss statements shown in Fig. 6, the depreciation expense for the first period, "18,133,333 (yen)", is consistent with the total amortization amount for the first year shown in Fig. 5B (i.e., the amortization amount for 8 units in the first year). Note that, as for other specific examples of the information stored in the calculation result DB402 as the calculation result by the profit and loss calculation unit 304, it is as shown in Fig. 6.

[0063] Here, looking at the trend of the profit amount for each period in the profit and loss statement of Figure 6, as described above, in the first period, the profit amount is "-17,293,333 (yen)". Also, in the second period, the profit amount is "-3,581,667 (yen)", and the cumulative profit amount is "-20,875,000 (yen)". However, in the third period, the profit amount turns positive and becomes "7,563,000 (yen)", and the cumulative profit amount becomes "-13,312,000 (yen)". Furthermore, in the fourth period, the positive margin of the profit amount increases and becomes "14,425,000 (yen)", and the cumulative profit amount also turns positive and becomes "1,113,000 (yen)". Thus, since the products of the truck fund target business freight transport vehicles such as trucks with a short useful life for investment, looking at the entire period, the profit and loss is positive, but in the initial accounting years such as the first and second periods, a large amount of depreciation can be recorded. Therefore, in accordance with the needs of investor I, a combination of a plurality of business freight transport vehicles to be invested in can be determined.

[0064] The combination of the results calculated in the simulation unit 201 will be optimized by the product optimization unit 202. As a result, a truck fund product will be created such that the profit and loss amount of the truck fund becomes the amount desired by investor I. Specifically, the product optimization unit 202 changes the above-mentioned parameters, as well as the number, purchase amount, sales amount, depreciation, rental fee, profit and loss of the truck fund product, and the combination of the profit and loss of investor I, while repeatedly executing the processes of the purchase and sales amount calculation unit 301, the depreciation calculation unit 302, the rental fee calculation unit 303, and the profit and loss calculation unit 304. Then, based on the execution results, the content of the truck fund product is determined so that the profit and loss amount of the truck fund becomes the amount desired by investor I.

[0065] Figure 7 is a diagram showing an example of the result optimized by the product optimization unit 202 in this way.

[0066] Fig. 7A shows, as information on the optimized truck fund product by the product optimization unit 202, the number of commercial freight transport vehicles targeted by the truck fund, vehicle purchase cost, vehicle sales amount, first-year depreciation cost, and first-year rental cost. Specifically, it is shown that the optimal number of commercial freight transport vehicles targeted by the truck fund is "8 (units)", and in that case, the vehicle purchase cost is "27,200,000 (yen)", the vehicle sales amount is "15,500,000 (yen)", the first-year depreciation cost is "18,133,333 (yen)", and the first-year rental cost is "5,368,000 (yen)".

[0067] Here, the vehicle purchase cost of "27,200,000 (yen)" shown in Fig. 7A coincides with the vehicle purchase amount in the first period among the cash flows shown in Fig. 6. Also, the vehicle sales amount of "15,500,000 (yen)" shown in Fig. 7A coincides with the vehicle sales amount in the fourth period among the cash flows and the profit and loss statement shown in Fig. 6. Further, the first-year depreciation cost of "18,133,333 (yen)" shown in Fig. 7A coincides with the depreciation cost in the first period in the profit and loss statement shown in Fig. 6.

[0068] Fig. 7B shows an example in which the combination of a fund and a loan (borrowing from a financial institution) is optimized as the truck fund product optimized by the product optimization unit 202. Specifically, the first-year loss amount, interest burden amount, principal repayment amount, investor contribution amount, loan amount, and first-year loss rate are shown for each ratio of the loan to the contribution amount from investor I (hereinafter simply referred to as "loan ratio"). For example, when the loan ratio is "0.00%", it is shown that the first-year loss amount is "-17,293,333 (yen)", the interest burden is "0 (yen)", the principal repayment amount is "0 (yen)", the investor contribution amount is "30,000,000 (yen)", the loan amount is "0 (yen)", and the first-year loss rate, which is the ratio of the first-year loss amount to the investor contribution amount, is "-57.64%". Also, when the loan ratio is "10.00%", it is shown that the investor contribution amount is "30,000,000 (yen)" and the loan amount is "3,000,000 (yen)".

[0069] Here, the first-year loss amount "-17,293,333 (yen)" shown in FIG. 7B is consistent with the profit amount in the first period in the profit and loss statement shown in FIG. 6. Also, the investor contribution amount "30,000,000 (yen)" shown in FIG. 7B is consistent with the TK (anonymous group) contribution amount in the first period in the cash flow shown in FIG. 6. Further, the first-year depreciation expense "18,133,333 (yen)" shown in FIG. 7A is consistent with the depreciation expense in the first period in the profit and loss statement shown in FIG. 6. In this way, by optimizing the combination of the results calculated in the simulation unit 201 by the product optimization unit 202, a track fund product is created such that the profit and loss amount of the track fund becomes the amount desired by investor I. That is, in the example shown in FIGS. 5 to 8, a track fund product with "8" business freight vehicles, an investor I contribution amount of "30,000,000 (yen)", and a first-year loss amount of "-17,293,333 (yen)" will be proposed to investor I.

[0070] FIG. 8 shows an example of vehicle information for the 8 business freight vehicles that make up the track fund product optimized as described above. As shown in FIG. 8, vehicle information for the 8 business freight vehicles includes vehicle management number, vehicle photo, vehicle name, model year, manufacturer, and location of the vehicle user. The vehicle information shown in FIG. 8 can be made viewable by investor I and borrower R using the investor terminal 2 and the borrower terminal 4.

[0071] As described above, an embodiment of the present invention has been explained, but the present invention is not limited to the above-described embodiment, and modifications, improvements, etc. within the scope that can achieve the object of the present invention are included in the present invention.

[0072] For example, the hardware configuration shown in FIG. 2 is merely an example for achieving the object of the present invention and is not particularly limited.

[0073] Also, the functional block diagrams shown in FIGS. 3 and 4 are merely illustrative and are not particularly limited. That is, it is sufficient if the information processing apparatus is provided with functions capable of executing the above-described series of processes as a whole, and the functional blocks used to realize this function are not particularly limited to the examples in FIGS. 3 and 4.

[0074] Also, the location of the functional blocks is not limited to FIGS. 3 and 4 and may be arbitrary. Also, one functional block may be configured by hardware alone, software alone, or a combination thereof.

[0075] When the processing of each functional block is executed by software, the program constituting the software is installed in a computer or the like from a network or a recording medium. The computer may be a computer incorporated in dedicated hardware. Also, the computer may be a computer capable of executing various functions by installing various programs, such as a general-purpose smartphone or personal computer in addition to a server.

[0076] A recording medium containing such a program is not only composed of a removable medium distributed separately from the apparatus main body in order to provide the program to each user, but also composed of a recording medium or the like provided to each user in a state pre-installed in the apparatus main body.

[0077] Also, the conditions for calculating the rental fee for a business-use freight transport vehicle by the rental fee calculation unit 303 are not limited to one. The rental fee calculation unit 303 can calculate for each of the respective conditions set in the calculation of the rental fee for a business-use freight transport vehicle. For example, the rental fee for the vehicle can be calculated based on the amount of consideration obtained when the borrower R provides a predetermined service using the business-use freight transport vehicle. As a result, the fund manager FM can lease commercial freight transport vehicles and provide (intermediate) the borrower R with the specific freight transport service itself using such commercial freight transport vehicles.

[0078] In addition, among the t commercial freight transport vehicles that are the subject of lease in the truck fund, separable tractors (tractors including driver's seats) and trailers (trailers such as cargo beds and passenger cars) can be included. Here, since the trailer can be depreciated in the same way as powered vehicles such as trucks and tractors, the investor I can enjoy the merits of the above-mentioned depreciation. Note that since the trailer has the characteristic of having fewer breakdowns than powered vehicles, it has the merit of having a lower running cost than powered vehicles. Furthermore, it has the merit of having less price depreciation at the time of sale compared to powered vehicles. For this reason, a method of actively including trailers in the investment targets in the truck fund, such as increasing the number of trailers per tractor, can also be utilized. As a result, it is possible to easily and simply create a fund product that further optimizes the profits and losses of each of the investor I, the fund manager FM, the truck fund, and the borrower R.

[0079] In addition, in the above-described embodiment, the vehicles targeted by the truck fund product are used vehicles, but are not limited to used vehicles. New vehicles can also be targeted by the truck fund product. Even in this case, since the vehicle has a shorter service life than real estate, it can enjoy certain merits due to depreciation. Note that when the vehicle targeted by the truck fund product is a new vehicle, the investor I can enjoy the same merits as used vehicles by combining the fund's financing and loan financing. This is because, generally, the useful life of a new vehicle is longer than that of a used vehicle, making it difficult to enjoy the merits of depreciation compared to a used vehicle. However, by combining the procurement of funds through a loan, the ratio of depreciation expenses to the investment amount of investor I can be increased.

[0080] Also, in the above-described embodiment, the fund manager FM purchases a commercial goods transport vehicle, concludes a vehicle sales contract, a vehicle lease contract, and an asset management contract with the truck fund, and then leases the commercial goods transport vehicle to the lessee R. However, it is not limited to the above-described embodiment, and the truck fund may directly purchase a commercial goods transport vehicle and lease it to the lessee R.

[0081] In summary, the information processing apparatus to which the present invention is applied may have the following configuration and can take various embodiments. That is, the information processing apparatus to which the present invention is applied A purchase and sales amount calculation unit (for example, the purchase and sales amount calculation unit 301 in FIGS. 3 and 4) that calculates the purchase amounts of t vehicles (for example, commercial goods transport vehicles), where t is an integer value of 1 or more, including vehicle type, historical information including the number of years elapsed, and price as at least parameters, and the sales amount after a predetermined period has elapsed; A lease fee calculation unit (for example, the lease fee calculation unit 303 in FIGS. 3 and 4) that calculates the lease fee when each of the t vehicles is leased to a predetermined lessee (for example, the lessee R in FIGS. 1 and 3) under a lease contract, with the person who purchased each of the t vehicles (for example, the fund manager FM in FIGS. 1 and 3) as the lessor; A profit and loss calculation unit (for example, the profit and loss calculation unit 304 in FIGS. 3 and 4) that calculates each of the profit and loss amounts of the lessor and the profit and loss amounts of an investor (for example, the investor I in FIGS. 1 and 3) who purchases a product of a fund (for example, a truck fund) composed of a combination of the t vehicles, based on the lease fee, the purchase amount, and the sales amount; By changing the combination of the parameters, the t vehicles, the purchase amount, the sales amount, the rental fee, the profit and loss of the lender, and the profit and loss of the investor, each process of the purchase and sales amount calculation unit, the rental fee calculation unit, and the profit and loss calculation unit is repeatedly executed, and based on the execution result, a product optimization unit (for example, the product optimization unit 202 in FIGS. 3 and 4) determines the content of the fund product such that the profit and loss amount of the lender becomes the amount desired by the investor. It includes. Thereby, it is possible to easily and simply create a fund product that optimizes the profit and loss of each of the lender, the investor, and the borrower. That is, the investment target can provide the investor with a fund product that is excellent in the operation rate of return, supply and demand balance, and stability of the trading market.

[0082] It further includes a depreciation calculation unit (for example, the depreciation calculation unit 302 in FIGS. 3 and 4) that calculates the depreciation of each of the t vehicles. The profit and loss calculation unit further calculates each of the profit and loss amount of the lender and the profit and loss amount of the investor who purchases the fund product based on the rental fee, the depreciation, the purchase amount, and the sales amount. The product optimization unit further By changing the combination of the parameters, the t vehicles, the purchase amount, the sales amount, the depreciation, the rental fee, the profit and loss of the lender, and the profit and loss of the investor, each process of the purchase and sales amount calculation unit, the depreciation calculation unit, the rental fee calculation unit, and the profit and loss calculation unit is repeatedly executed, and based on the execution result, the content of the fund product can be determined such that the profit and loss amount of the lender becomes the amount desired by the investor. Thereby, it is possible to easily and simply create a fund product that optimizes the profit and loss of each of the lender, the investor, and the borrower. That is, the investment target can provide the investor with a fund product that is excellent in the operation rate of return, supply and demand balance, and stability of the trading market and can record the profit and loss desired by the investor.

[0083] The product optimization unit further Based on the amount of funds raised by the lender through the loan and the amount of funds raised by selling the fund's products, the combination of the loan and the fund can be optimized so that the profit and loss amount of the lender becomes the amount desired by the investor. Thereby, it is possible to provide investors with fund products that take into account the balance between the fund and the loan.

[0084] In addition, at least a part of the t vehicles can include a towing motor vehicle that can be separated into a tractor and a trailer. That is, a trailer (a cargo bed or a passenger car) can be depreciated in the same way as a driving vehicle of a truck or a tractor. Since it has fewer breakdowns than a driving vehicle, its running cost (expenses) is also low, and the price drop at the time of sale is small. Therefore, by effectively utilizing the trailer as an investment target, it is possible to easily create a fund product that further optimizes the profit and loss of the lender, the investor, and the borrower.

[0085] In addition, the rental fee calculation unit further can calculate the rental fee of the vehicle based on the amount of consideration obtained when the borrower provides a predetermined service using the vehicle. Thereby, the fund manager FM (and the truck fund) can provide (mediate) the borrower R with the specific cargo transportation service itself using the commercial cargo transportation vehicle together with the rental of the commercial cargo transportation vehicle.

[0086] In addition, the vehicle can be a vehicle for carrying passengers. Thereby, it is possible to provide fund products targeting vehicles for carrying passengers such as buses, not limited to vehicles for carrying cargo as in the above-described embodiments.

[0087] Note that in this specification, the steps of describing a program recorded on a recording medium include not only processes that are performed in chronological order according to the order, but also processes that are executed in parallel or individually even if they are not necessarily processed in chronological order.

[0088] In addition, in this specification, the term "system" means the overall device composed of a plurality of devices, a plurality of means, etc.

Explanation of Signs

[0089] 1 ··· Service providing server 2, 2-1, 2-n ··· Investor terminal 3, 3-1, 3-m ··· Seller terminal 4, 4-1, 4-p ··· Borrower terminal 11 ··· CPU 12 ··· ROM 13 ··· RAM 14 ··· Bus 15 ··· Input / output interface 16 ··· Output unit 17 ··· Input unit 18 ··· Storage unit 19 ··· Communication unit 20 ··· Drive 30 ··· Removable media 201 ··· Simulation unit 202 ··· Product optimization unit 203 ··· Profit and loss calculation unit 301 ··· Purchase and sales amount calculation unit 302 ··· Depreciation calculation unit 303 ··· Rent calculation unit 304 ··· Profit calculation unit 401 ··· Vehicle DB 402 ··· Calculation result DB FM ··· Fund manager M ··· Manager I, I-1, I-n ··· Investor S, S-1, S-m ··· Seller R, R-1, R-p ··· Borrower N ··· Network

Claims

1. A fund that purchases t vehicles (t is an integer greater than or equal to 1) from a seller and concludes a vehicle sales contract and a vehicle lease contract for the t vehicles with a designated person who leases the t vehicles to a lessee, Information processing to acquire candidate contents of fund products that will earn profits based on vehicle lease contracts and the sale of the t vehicles after a predetermined period has elapsed, and will use the profits as a source to pay dividends to investors 1. A system comprising: a purchase / sale price calculation unit that calculates the purchase price of the t vehicles and the sale price after the predetermined period has elapsed using vehicle-related parameters; A lease fee for calculating the lease fee when each of the t vehicles is rented to the lessee. Calculation unit and a depreciation calculation unit that calculates depreciation costs for each of the t vehicles; The fee is calculated based on the lease fee, the purchase price, the sale price, and the depreciation cost. a profit and loss calculation unit that calculates the profit and loss of the fund and the profit and loss of the investor; a simulation execution unit that performs a simulation to execute the processing of the purchase / sale amount calculation unit, the lease fee calculation unit, the depreciation calculation unit, and the profit / loss calculation unit using predetermined values ​​as each of the parameters, the purchase amount, the sale amount, the lease fee, the depreciation expense, and the profit / loss, and outputs, as a result of the simulation, candidates for the fund's products indicated by investment conditions, cash flow, and profit / loss statements; An information processing system comprising:

2. further comprising a depreciation calculation unit that calculates depreciation costs for each of the t vehicles; The profit and loss calculation unit further Calculating the profit and loss amount of the borrower and the profit and loss amount of investors who purchase products of the fund based on the depreciation expense, the purchase price, and the sale price; The simulation execution unit further: repeatedly executing the processes of the purchase / sale amount calculation unit, the depreciation calculation unit, and the profit / loss calculation unit by changing the combination of the parameters, the t number of units, the purchase amount, the sales amount, the depreciation cost, the rental cost, the profit / loss of the lessee, and the profit / loss of the investor; The information processing device according to claim 1 .

3. The simulation execution unit further comprises: Executing the simulation so that the borrower's profit and loss amount will be the amount desired by the investor based on the amount of funds the borrower will raise through the loan and the amount of funds the borrower will raise through the sale of the fund's products.

3. The information processing device according to claim 1 or 2.

4. At least some of the t vehicles include a towing vehicle that can be separated into a tractor and a trailer. The information processing device according to claim 1 .

5. The rental cost calculation unit further Calculating the rental cost of the vehicle based on the amount of compensation that the lessee will receive when providing a predetermined service using the vehicle; The information processing device according to claim 1 .

6. The vehicle is a commercial freight transport vehicle. The information processing device according to claim 1 .

7. The vehicle is a vehicle for carrying passengers. The information processing device according to claim 1 .

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