Information processing system, information processing method and program

Abstract

To provide an information processing system capable of calculating emissions of investment and loan destinations by financial institutions.SOLUTION: An information processing system includes: an investment / loan amount acquisition unit for acquiring from a financial institution, an amount of investment / loans provided from the financial institution to investment / loan recipients; a total investment / loan amount acquisition unit for acquiring from the investment / loan recipients, a total amount of investment / loans received by the investment / loan recipients; an emissions acquisition unit for acquiring greenhouse gas emissions in the investment / load recipients; an attribution rate calculation unit for calculating an attribution rate of the financial institution to the investment / loan recipients by dividing the investment / loan amount by the total investment / loan amount; and an indirect emissions calculation unit for calculating indirect greenhouse gas emissions of the financial institution by multiplying the emissions by the attribution rate.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an information processing system, an information processing method, and a program. [Background technology]

[0002] The amount of carbon dioxide and other emissions has been calculated (see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2007-164754 Summary of the Invention [Problem to be solved by the invention]

[0004] Financial institutions are required to calculate the emissions of their investment and lending entities.

[0005] The present invention has been made in view of the above background, and aims to provide a technology that enables financial institutions to calculate the emissions of investment and loan recipients. [Means for solving the problem]

[0006] The main invention of the present invention for solving the above problem is an information processing system comprising: an investment amount acquisition unit that acquires from the financial institution the amount of investment made to a target investment / loan recipient by the financial institution; a total investment amount acquisition unit that acquires from the target investment / loan recipient the total amount of investment / loan received by the target investment / loan recipient; an emissions acquisition unit that acquires the greenhouse gas emissions of the target investment / loan recipient; an attribution rate calculation unit that divides the investment amount by the total investment amount to calculate the attribution rate of the financial institution to the target investment / loan recipient; and an indirect emissions calculation unit that multiplies the emissions by the attribution rate to calculate the indirect greenhouse gas emissions of the financial institution.

[0007] Other problems and solutions disclosed in this application will be made clear in the section on preferred embodiments of the invention and the drawings. [Effects of the Invention]

[0008] According to the present invention, it is possible to calculate the emissions of investments and loans made by financial institutions. [Brief explanation of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram illustrating an example of the overall configuration of an information processing system. [Figure 2] FIG. 2 illustrates an example of a hardware configuration of a management server 2. [Figure 3] FIG. 2 illustrates an example of the software configuration of a management server 2. [Figure 4] FIG. 10 is a diagram illustrating the operation of the management server 2. DETAILED DESCRIPTION OF THE INVENTION

[0010] <System Overview> An information processing system according to one embodiment of the present invention will be described below. The information processing system of this embodiment is designed to estimate an activity amount from a disclosed emission amount.

[0011] 1 is a diagram showing an example of the overall configuration of an information processing system. The information processing system of this embodiment is configured to include a management server 2. The management server 2 is communicably connected to an investment / loan recipient terminal 1 and a financial institution terminal 3 via a communication network. The communication network is, for example, the Internet, and is constructed using a public telephone line network, a mobile phone line network, a wireless communication path, Ethernet (registered trademark), etc.

[0012] The financial institution terminal 3 is a computer operated by a user of a financial institution (hereinafter referred to as a financial institution user). The financial institution terminal 3 is a computer operated by a financial institution user. The financial institution terminal 3 can be, for example, a smartphone, a tablet computer, a personal computer, etc.

[0013] The investment / loan recipient terminal 1 is a computer operated by a user (hereinafter referred to as the investment / loan recipient user) related to the financial institution's investment / loan recipient (which may be a company, an individual, or real estate, or any other entity that is the subject of investment or financing). The investment / loan recipient terminal 1 is a computer operated by the investment / loan recipient user. The investment / loan recipient terminal 1 may be, for example, a smartphone, a tablet computer, a personal computer, or the like.

[0014] The management server 2 may be a general-purpose computer such as a workstation or a personal computer, or may be logically realized by cloud computing.

[0015] <Administration Server> FIG. 2 is a diagram illustrating an example of the hardware configuration of the management server 2. Note that the illustrated configuration is an example, and other configurations may also be used. The management server 2 includes a CPU 201, a memory 202, a storage device 203, a communication interface 204, an input device 205, and an output device 206. The storage device 203 stores various data and programs, and is, for example, a hard disk drive, a solid state drive, or a flash memory. The communication interface 204 is an interface for connecting to a communication network, and is, for example, an adapter for connecting to Ethernet (registered trademark), a modem for connecting to a public telephone network, a wireless communication device for wireless communication, or a USB (Universal Serial Bus) connector or an RS232C connector for serial communication. The input device 205 is used to input data, and is, for example, a keyboard, a mouse, a touch panel, a button, a microphone, or the like. The output device 206 is used to output data, and is, for example, a display, a printer, a speaker, or the like. Each functional unit of the management server 2 described below is realized by the CPU 201 reading a program stored in the storage device 203 into the memory 202 and executing it, and each storage unit of the management server 2 is realized as part of the storage area provided by the memory 202 and the storage device 203.

[0016] 3 is a diagram illustrating an example of the software configuration of the management server 2. The management server 2 includes an item storage unit 231, an investment amount acquisition unit 211, a total investment amount acquisition unit 212, an emissions amount acquisition unit 213, an attribution rate calculation unit 214, an indirect emissions calculation unit 215, and an accounting data acquisition unit 216.

[0017] <Storage section> The item storage unit 231 stores items included in accounting data related to the investment and / or loan recipients and / or projects in association with the investment and / or loan recipients and / or projects. Items included in the accounting data may be, for example, account titles, sub-titles, items, remarks, etc.

[0018] <Functional section> The investment and loan amount acquisition unit 211 acquires the investment and loan amount for the investment and loan recipient from the financial institution. The investment and loan amount acquisition unit 211 can, for example, send form data to the financial institution terminal 3 and acquire information indicating the investment and loan recipient and the investment and loan amount from the financial institution terminal 3. The financial institution terminal 3 can display an input screen based on the form data and accept input of information indicating the investment and loan recipient and the investment and loan amount from the financial institution user. The investment and loan amount acquisition unit 211 may access a management system that manages investment and loan amounts at the financial institution and acquire the investment and loan amount for the investment and loan recipient to be analyzed from the management system.

[0019] The investment and loan amount acquisition unit 211 may acquire, as the investment and loan amount, the total amount (balance) of investment and loan provided by the financial institution to the business entity of the investment and loan recipient, or may acquire, as the investment and loan amount, the total amount (balance) of investment and loan provided to a specific project of the investment and loan recipient (such as a specific business or specific fixed asset). When a specific project is the target, the investment and loan amount acquisition unit 211 can accept information that identifies the project.

[0020] The total investment and loan amount acquisition unit 212 acquires the total investment and loan amount received by the investment and loan recipient from the investment and loan recipient. The total investment and loan amount can be the amount of investment and loan (stocks and debt) received by the investment and loan recipient from financial institutions (which may be one or more). The debt amount can be the remaining loan balance. The value of the stocks can be the acquisition amount or the current appraised value. The investment and loan amount acquisition unit 211 can, for example, send form data to the investment and loan recipient terminal 1 and acquire the total investment and loan amount from the investment and loan recipient terminal 1. The investment and loan recipient terminal 1 can display an input screen based on the form data and accept input of the total investment and loan amount from the investment and loan recipient user.

[0021] The total investment and loan amount acquisition unit 212 may acquire the total investment and loan amount covering all investments and loans received by the investment and loan recipient business entity, or may acquire the total investment and loan amount as the total investment and loan amount corresponding to a specific project (a project that the investment and loan amount acquisition unit 211 has accepted from a financial institution, such as a specific business or specific fixed asset).

[0022] The total investment and loan amount acquisition unit 212 may send a message (for example, an email or a chat message via a chat service) to the investment and loan recipient user requesting the total investment and loan amount, receive a message including the total investment and loan amount sent from the investment and loan recipient user, and extract the total investment and loan amount from data described in or attached to the received message.The total investment and loan amount acquisition unit 212 may send a request to the investment and loan recipient's server and receive the total investment and loan amount returned from the server in response to the request.

[0023] Furthermore, the total investment and loan amount acquisition unit 212 may send a message to a supporter who assists in calculating indirect greenhouse gas emissions (hereinafter referred to as indirect emissions) by a financial institution, requesting the supporter to specify the investment and loan destination and to respond with the total investment and loan amount at the investment and loan destination, and may accept input of the total investment and loan amount from the supporter. The total investment and loan amount acquisition unit 212 may extract the total investment and loan amount from data described in or attached to a message sent from the supporter (for example, an email or a chat message via a chat service).

[0024] The emission acquisition unit 213 acquires the greenhouse gas emissions of the investment / loan recipient. The emission acquisition unit 213 can, for example, send form data to the investment / loan recipient terminal 1 and acquire the emission amounts from the investment / loan recipient terminal 1. The investment / loan recipient terminal 1 can display an input screen based on the form data and accept input of emission amounts from the investment / loan recipient user. When the investment amount and total investment amount for each project are to be acquired, the form data can include information indicating the project so that the emission amounts corresponding to the project can be input.

[0025] Furthermore, the emission amount acquisition unit 213 may inquire about the emission amount from the investment / loan recipient user. For example, the emission amount acquisition unit 213 can send a message (such as an email or chat message) to the investment / loan recipient user inquiring about the emission amount, and acquire the emission amount written in or attached to the message sent from the investment / loan recipient terminal 1.

[0026] Furthermore, the emission amount acquisition unit 213 may, for example, acquire a published report on greenhouse gas emissions by the investee, and extract the emission amounts from the report. The emission amount acquisition unit 213 may, for example, acquire the report by accessing the investee's web server. The emission amount acquisition unit 213 may, for example, acquire the report by accessing a server that publicly publishes the report. The emission amount acquisition unit 213 may, for example, send a message (such as an email or chat message) to the investee user instructing them to send the report, and receive report data from the investee terminal 1.

[0027] The attribution rate calculation unit 214 calculates the attribution rate of the financial institution to the investment / loan recipient. The attribution rate calculation unit 214 can calculate the attribution rate by dividing the investment / loan amount by the total investment / loan amount. The attribution rate calculation unit 214 may calculate the attribution rate of the financial institution to the investment / loan recipient business entity, or may calculate the attribution rate of the financial institution to a specific project at the investment / loan recipient. The attribution rate calculation unit 214 can calculate the attribution rate of the financial institution to the investment / loan recipient business entity by dividing the total amount of investment / loan made by the financial institution to the investment / loan recipient business entity (acquired by the investment / loan amount acquisition unit 211) by the total investment / loan amount covering all investments / loans received by the investment / loan recipient business entity (acquired by the total investment / loan amount acquisition unit 212). The attribution rate calculation unit 214 can calculate the attribution rate of the financial institution to the project by dividing the total amount of investment and loan made by the financial institution to a specific project at the investment and loan recipient (acquired by the investment and loan amount acquisition unit 211) by the total amount of investment and loan received by the investment and loan recipient for the project (acquired by the total investment and loan amount acquisition unit 212).

[0028] The indirect emission calculation unit 215 can calculate the indirect emission amount by multiplying the emission amount by the attribution rate.

[0029] The accounting data acquisition unit 216 acquires accounting data related to the investment / loan recipient. The accounting data acquisition unit 216 may acquire the financial institution's accounting data from the financial institution terminal 3 or the financial institution's server (such as an accounting system), or may acquire the investment / loan recipient's accounting data from the investment / loan recipient terminal 1 or the investment / loan recipient's server (such as an accounting system).

[0030] The total investment and loan amount acquisition unit 212 can calculate the total investment and loan amount based on the accounting data.

[0031] The total investment and loan amount acquisition unit 212 can, for example, extract accounting data related to a specific project and calculate the total investment and loan amount based on the extracted accounting data. The total investment and loan amount acquisition unit 212 can acquire items corresponding to a project from the item storage unit 231 and determine whether the acquired accounting data relates to the project based on whether the acquired items are included in the acquired accounting data.

[0032] The total investment and loan amount acquisition unit 212 may use AI to identify accounting data corresponding to a project. For example, the total investment and loan amount acquisition unit 212 can determine whether the accounting data relates to a specific project by providing attributes of a specific project and items of the acquired accounting data to a learning model created by machine learning the items included in the accounting data and the attributes of the project to which the items relate. In this case, the management server 2 may be provided with a learning model storage unit that stores the learning model, or an external server may be configured to manage the learning model.

[0033] <Operation> FIG. 4 is a diagram illustrating the operation of the management server 2.

[0034] The management server 2 acquires from the financial institution the amount of investment and loan made to the investment recipient (S301), acquires from the investment recipient the total amount of investment and loan received by the investment recipient (S302), and acquires the greenhouse gas emissions of the investment recipient (S303). The management server 2 divides the investment and loan amount by the total investment and loan amount to calculate the attribution rate to the investment recipient by the financial institution (S304), and multiplies the emissions by the attribution rate to calculate the indirect emissions of the financial institution (S305).

[0035] As described above, the information processing system of this embodiment can calculate the indirect greenhouse gas emissions related to the recipients of investments and loans by financial institutions.

[0036] Although the present embodiment has been described above, the above embodiment is intended to facilitate understanding of the present invention and is not intended to limit the present invention. The present invention may be modified or improved without departing from the spirit thereof, and equivalents thereof are also included in the present invention.

[0037] For example, the processing by each of the functional units of the management server 2 described above may be performed by any of the functional units. Also, a different functional unit that performs part of the processing by each of the functional units described above may be added. Also, the functional units of the management server 2 may be distributed across multiple computers.

[0038] Furthermore, the information stored in each storage unit of the management server may be stored in any of the storage units. That is, the information stored in the above-mentioned multiple storage units may be stored in one storage unit, or part of the information stored in one of the above-mentioned storage units may be stored in another storage unit.

[0039] Furthermore, in this embodiment, investment and financing from financial institutions to specific business entities is assumed, but it is also possible to obtain indirect emissions related to investment and financing in projects in which multiple business entities participate, such as real estate and urban development. In this case, it is sufficient to understand that the investment and financing recipient is not a specific business entity, but a specific project such as real estate.

[0040] <Disclosures> The present disclosure also includes the following configurations. [Item 1] an investment amount acquisition unit that acquires investment amounts for investments and loans to recipients from financial institutions; a total investment amount acquisition unit that acquires the total investment amount received by the investment and loan recipient from the investment and loan recipient; an emission amount acquisition unit that acquires greenhouse gas emissions of the investment and loan recipient; an attribution ratio calculation unit that calculates an attribution ratio of the financial institution to the investment / loan recipient by dividing the investment / loan amount by the total investment / loan amount; an indirect emission calculation unit that calculates the indirect greenhouse gas emissions of the financial institution by multiplying the emissions by the attribution rate; An information processing system comprising: [Item 2] Item 1, an information processing system according to item 1, the total investment and loan amount acquisition unit sends a first message to the user of the investment and loan recipient requesting the user to respond with the total investment and loan amount, receives a second message including the total investment and loan amount sent from the user of the investment and loan recipient, and extracts the total investment and loan amount from the second message; An information processing system comprising: Item 2 may include a transmitting unit that transmits the first message; Item 2 may include a receiving unit that receives the second message; Item 2 may include an extracting unit that extracts the total investment amount from the second message. [Item 3] Item 1, an information processing system according to item 1, the total investment and loan amount acquisition unit transmits a request to a server of the investment and loan destination, and receives the total investment and loan amount returned from the server in response to the request; The information processing system may further include a transmitting unit that transmits a request to a server of the investment or loan recipient. The information processing system may further include a receiving unit that receives the total investment or loan amount. [Item 4] Item 1, an information processing system according to item 1, the total investment and loan amount acquisition unit sends a message to a supporter who provides support for calculating the indirect emissions, requesting the supporter to specify the investment and loan destination and to respond with the total investment and loan amount for the investment and loan destination, and receives an input of the total investment and loan amount from the supporter; An information processing system characterized by the above. Item 4 may be provided with a transmitting unit that transmits a message requesting a reply regarding the total investment amount in the investment / loan recipient. Item 4 may also be provided with an input unit or a receiving unit that receives input of the total investment amount from the support staff. [Item 5] Item 1, an information processing system according to item 1, an accounting data acquisition unit that acquires accounting data of the investment / loan recipient; the total investment and loan amount acquisition unit calculates the total investment and loan amount based on the accounting data; Item 5 may be configured to include a total investment and loan amount calculation unit that calculates the total investment and loan amount based on accounting data. [Item 6] Item 5. The information processing system according to item 5, The investment amount is for a specific project; the total investment and loan amount acquisition unit extracts accounting data related to the project from the accounting data, and calculates the total investment and loan amount based on the extracted accounting data; Item 6 may be configured to include a total investment and loan amount calculation unit that calculates the total investment and loan amount based on accounting data. [Item 7] Item 6. The information processing system according to item 6, an item storage unit that stores items included in the accounting data related to the project in association with the project; the total investment amount acquisition unit determines whether the accounting data relates to the project based on whether the item corresponding to the project is included in the acquired accounting data; The information processing system may further include a determination unit that determines whether the accounting data is related to a project. [Item 8] Item 6. The information processing system according to item 6, the total investment amount acquisition unit determines whether the accounting data relates to the project by providing the attributes of the specific project and the acquired items of the accounting data to a learning model created by learning items included in the accounting data and attributes of projects related to the items through machine learning; The information processing system may further include a determining unit that determines whether the accounting data is related to a project. [Item 9] Item 1, an information processing system according to item 1, the emission amount acquisition unit acquires a report of the emission amount disclosed by the investment or loan recipient, and extracts the emission amount from the acquired report; An information processing system characterized by: [Item 10] acquiring from the financial institution the amount of investment or loan to the investment or loan recipient; obtaining from the investment and loan recipient the total amount of investment and loan received by the investment and loan recipient; acquiring greenhouse gas emissions of the investment recipient; a step of calculating an attribution ratio of the financial institution to the investment recipient by dividing the investment amount by the total investment amount; multiplying the emissions by the attribution rate to calculate the financial institution's indirect greenhouse gas emissions; An information processing method characterized by being executed by a computer. [Item 11] acquiring from the financial institution the amount of investment or loan to the investment or loan recipient; obtaining from the investment and loan recipient the total amount of investment and loan received by the investment and loan recipient; acquiring greenhouse gas emissions of the investment recipient; a step of calculating an attribution ratio of the financial institution to the investment recipient by dividing the investment amount by the total investment amount; multiplying the emissions by the attribution rate to calculate the financial institution's indirect greenhouse gas emissions; A program that causes a computer to execute the following. [Explanation of symbols]

[0041] 1. Investment and loan recipient terminal 2 Management Server 3 Financial institution terminals

Claims

1. an investment amount acquisition unit that acquires investment amounts for investments and loans to recipients from financial institutions; a total investment amount acquisition unit that acquires the total investment amount received by the investment and loan recipient from the investment and loan recipient; an emission amount acquisition unit that acquires greenhouse gas emissions of the investment and loan recipient; an attribution ratio calculation unit that calculates an attribution ratio of the financial institution to the investment / loan recipient by dividing the investment / loan amount by the total investment / loan amount; an indirect emission calculation unit that calculates the indirect greenhouse gas emissions of the financial institution by multiplying the emissions by the attribution rate; An information processing system comprising:

2. 2. The information processing system according to claim 1, the total investment and loan amount acquisition unit sends a first message to the user of the investment and loan recipient requesting the user to respond with the total investment and loan amount, receives a second message including the total investment and loan amount sent from the user of the investment and loan recipient, and extracts the total investment and loan amount from the second message; An information processing system characterized by:

3. 2. The information processing system according to claim 1, the total investment and loan amount acquisition unit transmits a request to a server of the investment and loan destination, and receives the total investment and loan amount returned from the server in response to the request; An information processing system characterized by:

4. 2. The information processing system according to claim 1, the total investment and loan amount acquisition unit sends a message to a supporter who provides support for calculating the indirect emissions, requesting the supporter to specify the investment and loan destination and to respond with the total investment and loan amount for the investment and loan destination, and receives an input of the total investment and loan amount from the supporter; An information processing system characterized by:

5. 2. The information processing system according to claim 1, an accounting data acquisition unit that acquires accounting data of the investment / loan recipient; the total investment and loan amount acquisition unit calculates the total investment and loan amount based on the accounting data; An information processing system characterized by:

6. 6. The information processing system according to claim 5, The investment amount is for a specific project; the total investment and loan amount acquisition unit extracts accounting data related to the project from the accounting data, and calculates the total investment and loan amount based on the extracted accounting data; An information processing system characterized by:

7. 7. The information processing system according to claim 6, an item storage unit that stores items included in the accounting data related to the project in association with the project; the total investment amount acquisition unit determines whether the accounting data relates to the project based on whether the item corresponding to the project is included in the acquired accounting data; An information processing system characterized by:

8. 7. The information processing system according to claim 6, the total investment amount acquisition unit determines whether the accounting data relates to the project by providing the attributes of the specific project and the acquired items of the accounting data to a learning model created by learning items included in the accounting data and attributes of projects related to the items through machine learning; An information processing system characterized by:

9. 2. The information processing system according to claim 1, the emission amount acquisition unit acquires a report of the emission amount disclosed by the investment or loan recipient, and extracts the emission amount from the acquired report; An information processing system characterized by:

10. acquiring from the financial institution the amount of investment or loan to the investment or loan recipient; obtaining from the investment and loan recipient the total amount of investment and loan received by the investment and loan recipient; acquiring greenhouse gas emissions of the investment recipient; a step of calculating an attribution ratio of the financial institution to the investment recipient by dividing the investment amount by the total investment amount; multiplying the emissions by the attribution rate to calculate the financial institution's indirect greenhouse gas emissions; An information processing method characterized by being executed by a computer.

11. acquiring from the financial institution the amount of investment or loan to the investment or loan recipient; obtaining from the investment and loan recipient the total amount of investment and loan received by the investment and loan recipient; acquiring greenhouse gas emissions of the investment recipient; a step of calculating an attribution ratio of the financial institution to the investment recipient by dividing the investment amount by the total investment amount; multiplying the emissions by the attribution rate to calculate the financial institution's indirect greenhouse gas emissions; A program that causes a computer to execute the following.

Images