Money distribution system and money distribution method

Abstract

This will create an incentive provision model that can be effectively used even by companies that do not have plans for an IPO or M&A. [Solution] A monetary distribution system according to one embodiment of the present invention has the following functions: a function to present the amount of the reserve fund that can be distributed to a beneficiary designator 13 who has the right to designate beneficiaries to whom the reserve fund, which is a trust asset based on dividends paid on shares that are a trust asset, will be distributed; a function to receive from the beneficiary designator 13 the designation of beneficiaries 15 relating to the trust asset, such as those who have contributed to improving the value of the trust asset, and input of information regarding the degree of contribution of the beneficiary 15; a function to perform a distribution process to distribute the reserve fund to the beneficiary 15 designated by the beneficiary designator 13 in an amount corresponding to the degree of contribution of the beneficiary 15; and a function to notify the beneficiary 15 of the amount of the reserve fund that has been distributed.

Description

Technical Field

[0001] The present invention relates to a trust for trust property that generates dividends or profits, and particularly to a money distribution system and a money distribution method capable of distributing money accumulated based on dividends or profits generated from the trust property.

Background Art

[0002] Conventionally, a stock option (hereinafter referred to as a "stock warrant") that grants the right to purchase company shares at an exercise price to company officers and external collaborators (hereinafter referred to as "officers, etc.") is known. Since the profit of the stock warrant increases as the stock price of the company shares rises above the exercise price, officers, etc. who are granted the stock warrant make efforts to increase the company value toward the stock price increase.

[0003] Conventionally, when issuing a stock warrant, it was necessary to determine the grantees and the number of stock warrants to be granted. However, if stock warrants that will generate value in the future are granted to officers, etc. without considering the actual contribution level, etc., there are also drawbacks such as the loss of the motivation to work of officers, etc. in some cases, or the contribution not being as expected by the management. Under such circumstances, in recent years, a so-called "trust-type stock option" scheme has emerged, in which stock warrants are initially entrusted to the trustee of the trust and then delivered to officers, etc. retrospectively after considering the contribution level to the company.

[0004] The trust-type stock option is disclosed in, for example, Patent Document 1. Patent Document 1 discloses that, on the beneficiary designation date of the initial trust, when beneficiary designation is not made for all or part of the stock warrants that are the trust property, another trust (hereinafter referred to as a "succession trust") that inherits the remaining stock warrants is set, and the trustee of the succession trust is designated as the beneficiary of the initial trust, so that the stock warrants are inherited in a form where the beneficiary is not determined.

Prior Art Documents

Patent Documents

[0005] [Patent Document 1] Japanese Patent Publication No. 2022-23422 [Overview of the Initiative] [Problems that the invention aims to solve]

[0006] Granting stock options or shares to company officers and employees in exchange for their contributions to the company is an effective incentive plan to improve their motivation. However, companies that do not plan to conduct an IPO (Initial Public Offering) or M&A (Mergers and Acquisitions) face the problem of difficulty in using stock options or shares as an incentive. Furthermore, there was a possibility that officers and employees who were granted stock options or shares in the expectation of future contributions might retire without making sufficient contributions and still hold the shares.

[0007] This invention has been made in view of the above-mentioned conventional circumstances, and aims to realize an incentive provision model that can be effectively used even by companies that do not have plans for an IPO or M&A. [Means for solving the problem]

[0008] A monetary distribution system according to one aspect of the present invention is characterized by having a function to receive, with respect to a trust targeting a specific trust property that generates dividends or income, the designation of beneficiaries of the trust property, such as persons who have contributed to the improvement of the value of the trust property, and input of information regarding the degree of contribution of the beneficiaries, from a beneficiary designator who has the right to designate the beneficiaries; and a function to perform distribution processing to distribute to the beneficiaries designated by the beneficiary designator an amount corresponding to the degree of contribution of the beneficiaries, from money accumulated as new trust property based on dividends or income generated from the specific trust property.

[0009] Herein, the above-described money distribution system may further have a function to present to the beneficiary designator the amount of money that can be distributed, calculated based on predetermined distribution rules.

[0010] Furthermore, the above-described money distribution system may also be configured to include a function for notifying the beneficiaries of the amount of money to be distributed.

[0011] Furthermore, the above-described money distribution system may be configured to accept input of the amount of money to be distributed to the beneficiary as information regarding the beneficiary's contribution.

[0012] Furthermore, the above-described money distribution system may also be configured to accept input of the distribution ratio of the money to the beneficiary as information regarding the beneficiary's contribution, and to calculate the amount to be distributed to the beneficiary by apportioning the distributable amount of money according to the distribution ratio relating to the beneficiary.

[0013] Furthermore, the above-described monetary distribution system may be configured to accept input of an index value representing the beneficiary's contribution as information regarding the beneficiary's contribution, and to calculate the distribution amount to the beneficiary by performing a predetermined calculation based on the index value relating to the beneficiary.

[0014] Furthermore, in the above-mentioned money distribution system, if no beneficiary is designated for all or part of the trust property by the beneficiary designation date, a new trust may be established to take over the remaining trust property.

[0015] Furthermore, in the above-mentioned money distribution system, if there are outstanding loans as trust assets, the system may be structured in such a way that beneficiaries cannot be designated or the trust cannot be transferred until some or all of the principal and interest payments are repaid.

[0016] Another aspect of the present invention relates to a method for distributing money. For a trust regarding specific trust property that generates dividends or profits, the steps include: receiving from a beneficiary-designating right holder having the right to designate a beneficiary, the designation of a beneficiary related to the trust property, such as a person who has contributed to the improvement of the value of the trust property, and the input of information regarding the degree of contribution of the beneficiary; and performing a distribution process of distributing, to the beneficiary designated by the beneficiary-designating right holder, an amount of money accumulated as new trust property based on the dividends or profits generated from the specific trust property, in accordance with the degree of contribution of the beneficiary. This is characterized by having these steps.

Advantages of the Invention

[0017] According to the present invention, it is possible to realize an incentive-providing model that can be effectively used even by companies without plans for IPO or M&A.

Brief Description of the Drawings

[0018] [Figure 1] It is a diagram showing an overview of a money distribution system according to an embodiment of the present invention. [Figure 2] It is a diagram showing a configuration example of a money distribution system. [Figure 3] It is a diagram showing a configuration example of the server shown in FIG. 2. [Figure 4] It is a diagram showing an example of a processing sequence of a money distribution system. [Figure 5] It is a diagram showing an example of dividend data. [Figure 6] It is a diagram showing an example of beneficiary-designation data. [Figure 7] It is a diagram showing an example of trust data.

Embodiments for Carrying Out the Invention

[0019] Hereinafter, an embodiment of the present invention will be described with reference to the drawings. First, referring to FIG. 1, an overview of a money distribution system according to an embodiment of the present invention will be described. Here, the case of treating stocks and stock option rights as trust property will be described as an example.

[0020] The trustor 11 who trusts the stock options of the issuing company 10 contributes funds to the trustee 12 (A1). The trustor 11 may be, for example, the owner-operator or shareholder of the issuing company 10, or may be the issuing company or other third parties. The trustee 12 uses the money contributed by the trustor 11 to pay the acquisition consideration of the stock options to the issuing company 10 (A2). The issuing company 10 grants the trustee 12 the stock options corresponding to the paid-in consideration (A3). Here, the issuing company 10 is assumed to be a company without plans for IPO or M&A, but it may also be a company with plans for IPO or M&A.

[0021] The trustee 12 exercises the rights of the stock options using the money contributed by the trustor 11 and changes the trust of the stock options to the trust of shares (A4). As a result, the trustee 12 can receive dividend payments from the issuing company 10 for the shares obtained by exercising the rights of the stock options (A5). The payment of dividends is, for example, once a year or once every six months, and is carried out at the timing determined by the issuing company 10. The dividends paid by the issuing company 10 for the shares that are the trust property are added to the trust property and managed as a money trust.

[0022] After that, the trustee 12 receives the designation of the beneficiary from the beneficiary designation right holder 13 for the shares that are the trust property (A6). The beneficiary designation right holder 13 may be the issuing company 10, may be the trustor 11, or may be other parties. The beneficiary designation right holder 13 can designate the beneficiary 14 to whom the shares that are the trust property are to be delivered and the beneficiary 15 to whom the money that is the trust property is to be delivered in consideration of the contribution degree of officers, etc. related to the improvement of the corporate value of the issuing company 10. The designation of the beneficiary 14 and the designation of the beneficiary 15 may be made by the same beneficiary designation right holder 13 or by different beneficiary designation right holders 13. The trustee 12 delivers the shares to the beneficiary 14 (A7) and delivers the money to the beneficiary 15 (A8) in accordance with the designation from the beneficiary designation right holder 13.

[0023] Here, in (A1) above, the settlor 11 contributes funds to the trustee 12, but it may also contribute stock options or shares, in which case (A2) and (A3) above do not occur. Also, in (A3) above, the stock options that the issuing company 10 grants to the trustee 12 may be stock options purchased from existing stock option holders. Also, in (A3) above, the issuing company 10 may grant shares to the trustee 12 instead of stock options, in which case (A4) above does not occur. The shares that the issuing company 10 grants to the trustee 12 may be shares purchased from existing shareholders, or shares newly issued by the issuing company 10 to the trustee 12. Regarding payment when purchasing shares or payment when newly issuing shares, the trustee of the trust may raise consideration by borrowing or issuing corporate bonds, etc.

[0024] Furthermore, (A7) and (A8) above may be carried out at the same time or at different times. Alternatively, a succession trust as disclosed in Patent Document 1 may be used. That is, if it is not possible to designate recipients (beneficiaries) for all or some of the stock options, shares, or money by the beneficiary designation date, a new trust is established to take over the trust of the remaining stock options, shares, or money. By repeatedly taking over the trust of shares, the shares can be kept as trust assets for a long period of time, making it possible to receive dividend payments from those shares multiple times. In addition, it is possible to make long-term savings based on the dividends from the shares, and furthermore, the accumulated money can be used not only to distribute to beneficiaries but also for investments and loan repayments. It is also possible to have a system in place that prevents the transfer of the trust until the loan repayment is completed. The above is an overview of the monetary distribution system.

[0025] Figure 2 shows an example configuration of the money distribution system shown in Figure 1. As shown in Figure 2, the money distribution system comprises a server 21 having a database 22 for managing various data related to money distribution, and N client terminals 23-1 to 23-N that are connected to the server 21 via a network such as the Internet.

[0026] Server 21 is managed by the trustee 12, which is the operator of the money distribution system. Server 21 provides various processing and functions related to money distribution using the data in database 22. Server 21 may be implemented by a single computer or by distributing its functions across multiple computers. Server 21 may also be a cloud server operating in a cloud environment on a network. Database 22 may be implemented in the same device as Server 21 or in a separate device, or it may be implemented in a device at another location or in a cloud environment that can be connected via a network.

[0027] Client terminals 23-1 to 23-N (hereinafter simply referred to as "client terminal 23") are terminals operated by various users, such as the issuing company 10, the consignor 11, the trustee 12, the beneficiary designation holder 13, the beneficiary 14, and the beneficiary 15. Client terminal 23 provides a user interface for inputting information to the server 21 and displaying information provided by the server 21. The user interface provided by client terminal 23 differs depending on the type (role) of the user. Client terminal 23 may be a stationary computer or a portable computer such as a smartphone or tablet.

[0028] Figure 3 shows an example configuration of server 21. As shown in Figure 3, server 21 has an input / output unit 31 that provides input and output to the user, a processing unit 32 that performs various processing, a storage unit 33 that stores various data, and a communication unit 34 that performs communication over the network. The input / output unit 31 is an input / output device such as a keyboard, mouse, and display. The processing unit 32 includes a processor such as a CPU or MPU, and by executing programs stored in the storage unit 33, it realizes various processing and functions related to monetary distribution. The processing unit 32 can further perform information processing in response to information input from the user via the input / output unit 31 and information processing in response to information input via the communication unit 34. The storage unit 34 includes memory such as RAM and ROM. The storage unit 34 may further include any storage device such as a magnetic storage device or an optical storage device. The client terminal 23 has the same or similar configuration as the server device 21 shown in Figure 3, and a detailed explanation is omitted.

[0029] Next, we will explain in detail the following aspects of the money distribution system outlined in Figure 1: (A5) dividend payment, (A6) beneficiary designation, and (A8) money delivery, referring to the processing sequence example in Figure 4. In the following, the client terminal 23 of beneficiary designation holder 13 will be referred to as "client terminal 23A," and the client terminal 23 of beneficiary 15 will be referred to as "client terminal 23B." The money accumulated as trust property will be referred to as "accumulated funds."

[0030] In response to the payment of trust shares dividends from the issuing company 10 to the trustee 12, dividend data is entered into the server 21 (step S11). The dividend data includes information such as the stock ID, which is the identification information of the shares that paid dividends, the number of shares, the dividend amount per share, the dividend payment date, and the total dividend amount, as shown in the example data in Figure 5. The method of entering the dividend data is arbitrary and can be, for example, by having a person in charge at the issuing company 10 or the trustee 12 enter the data into the server 21 via a client terminal, or by importing data in a predetermined format sent from an external system into the server 21.

[0031] Server 21 processes the total dividend amount minus the amount of taxes and the principal and interest payments on the loan to be deposited into the trust property based on the input dividend data. Server 21 further transmits the distributable amount of the accumulated trust property to the client terminal 23A (step S12). This distributable amount is the upper limit of the amount that can be distributed from the accumulated fund in the current period, and is calculated, for example, based on a predetermined distribution rule. The distribution rule is arbitrary; for example, the distributable amount may vary depending on the amount of the accumulated fund, or it may vary from period to period (in which case there may be periods in which no distribution is made), or it may distribute the amount of the accumulated fund that exceeds a predetermined target value (surplus), or the entire amount of the accumulated fund may be considered as the distributable amount. In addition, if there is a loan as trust property, the designation of beneficiaries and the transfer of the trust may be prevented until part or all of the principal and interest payments are repaid.

[0032] The client terminal 23A displays (presents to the beneficiary designator 13) the amount of the accumulated funds that has been received from the server 21 for the shares subject to beneficiary designation, and accepts input of beneficiary designation data from the beneficiary designator 13 (step S13). The beneficiary designation data includes a beneficiary ID, which is the identification information of the beneficiary designated as the recipient of the accumulated funds, and contribution information regarding the beneficiary's level of contribution, as shown in the example data in Figure 6. When multiple beneficiaries are designated, the beneficiary designation data includes a list of beneficiary IDs and contribution information. The contribution information may be the amount or percentage of the accumulated funds to be distributed according to the beneficiary's level of contribution, or an indicator value such as points or a score that represents the beneficiary's level of contribution may be used. The beneficiary designator 13 can also choose to stop inputting contribution information to the extent that it does not reach the amount of the amount of the accumulated funds, or to input that they will not designate a beneficiary, that is, they can choose not to distribute part or all of the accumulated funds.

[0033] When client terminal 23A receives input of beneficiary designation data from beneficiary designation holder 13, it sends the beneficiary designation data to server 21 (step S14). Receiving and sending input of beneficiary designation data may be achieved by a dedicated application installed on client terminal 23A, or by a general-purpose application such as a web browser running on client terminal 23A. It is also possible to send beneficiary designation data by sending an email containing the beneficiary designation data in the email body, or by sending an email with a data file containing the beneficiary designation data attached.

[0034] When server 21 receives beneficiary designation data from client terminal 23A, it performs distribution processing to beneficiary 15 based on the beneficiary designation data (step S15). The distribution to beneficiary 15 is calculated based on beneficiary 15's contribution information. If the amount of the reserve fund distribution itself is used as the contribution information, no special calculation is required. If the distribution ratio of the reserve fund is used as the contribution information, the amount of distribution to beneficiary 15 can be calculated by apportioning the distributable amount of the reserve fund according to the distribution ratio relating to beneficiary 15. If indicator values ​​such as points or scores are used as the contribution information, the amount of distribution to beneficiary 15 can be calculated by performing calculation processing using a predetermined conversion table or calculation formula based on the indicator value relating to beneficiary 15. Note that these methods are just examples, and it is possible to calculate the distribution amount in any way that suits the nature of the contribution information.

[0035] If the beneficiary designator 13 indicates that they will not designate a beneficiary, the entire amount of the reserve fund will remain undistributed and be pooled for future distributions. Similarly, if the beneficiary designator 13 only inputs contribution information to the extent that it does not reach the distributable amount, the remaining amount of the reserve fund will also be pooled for future distributions. In such cases, a succession trust, such as the one disclosed in Patent Document 1, can be used to maintain the stocks and reserve fund as trust assets until the next dividend payment date. The reserve fund may be used for investments or loan repayments, in which case the amount used will be deducted from the reserve fund. Furthermore, if an investment return is received, the amount received minus the tax amount will be added to the reserve fund.

[0036] The distribution of funds to beneficiary 15 will be carried out in the manner specified by beneficiary 15. For example, server 21 will process the deposit of the distribution funds into the bank account specified by beneficiary 15. Alternatively, the distribution funds may be distributed in the form of electronic money or various points with monetary value. If beneficiary 15 has not specified a distribution method, the server 21 will inquire with beneficiary 15 via client terminal 23B, and after receiving a response regarding the distribution method, the distribution funds will be distributed.

[0037] Next, the server 21 sends a distribution notification to the client terminal 23B, which includes a statement that the distribution has been made and the amount of the distribution (step S16). The distribution notification may be sent by a dedicated application installed on the client terminal 23B, or by a general-purpose application such as a web browser running on the client terminal 23B. It is also possible to send the distribution notification by sending an email containing the contents of the distribution notification in the email body, or by sending an email with a data file containing the contents of the distribution notification attached. The client terminal 23B displays the received distribution notification (presented to the beneficiary 15). This allows the beneficiary 15 to confirm that the distribution has been made and the amount of the distribution.

[0038] Figure 6 shows an example of trust data managed by database 22. The illustrated trust data includes data items such as trust ID, settlor ID, trustee ID, issuing company ID, beneficiary designation date and time, and trust property information. The trust ID is an ID that uniquely identifies each trust and is uniquely assigned to each trust. The trust ID consists of, for example, a base ID and a branch number. The base ID is common to the original trust and its successor trusts, and the branch number is set to 0 for the original trust and incremented by one each time a trust is succeeded.

[0039] The settlor ID is an ID that uniquely identifies the settlor of the trust. The trustee ID is an ID that uniquely identifies the trustee of the trust. The issuing company ID is an ID that uniquely identifies the issuing company that issues the stock options or shares of the trust. The beneficiary designation date is the deadline for designating the beneficiaries of the trust. The trust property information is information about the assets that are the subject of the trust, and includes information on stock options, shares, and money. The trust property information is updated as events occur, such as the conversion of stock options into shares through exercise, the accumulation of dividends paid on shares, investments and loan repayments using accumulated funds, and the delivery of shares or money to beneficiaries.

[0040] Due to tax constraints, it is required to designate beneficiaries for all trust assets simultaneously and in a single transaction. Therefore, server 21 generates new transfer trust data for trust data where beneficiaries have not been designated for all or part of the trust assets by the beneficiary designation date and time (i.e., trust data with incomplete beneficiary designation), and performs the transfer process by designating the trustee of the transfer trust as the beneficiary of the remaining trust assets. At this time, the trust ID of the transfer trust will be the original trust's trust ID with one sub-number added. Also, the beneficiary designation date and time of the transfer trust will be newly set based on the original trust's beneficiary designation date and time. Other information of the transfer trust will be set to be basically the same as that of the original trust.

[0041] Trusts of stock options, shares, and money established by the same settlor may be managed as a single trust or as separate trusts; the form of the trust is at the settlor's discretion. If managed as a single trust, the trust asset information for stock options, shares, and money can be registered and managed in a single trust database. If managed as separate trusts, separate trust databases should be prepared and managed: one for stock options, one for shares, and one for money.

[0042] As described above, the money distribution system in this example has the following functions: a function to present the amount of money that can be distributed to the beneficiary designator 13, who has the right to designate the beneficiaries to whom the money accumulated as trust property based on dividends paid on the trust property stocks will be distributed; a function to receive from the beneficiary designator 13 the designation of beneficiaries 15 related to the trust property, such as those who have contributed to the improvement of the value of the trust property stocks, and input of information regarding the degree of contribution of the beneficiaries 15; a function to perform a distribution process to distribute the money to the beneficiaries 15 designated by the beneficiary designator 13 in an amount corresponding to the degree of contribution of the beneficiaries 15; and a function to notify the beneficiaries 15 of the amount of money to be distributed.

[0043] This structure allows for the distribution of funds derived from dividends on the company's shares, which constitute the trust property, to the 15 beneficiaries who have contributed to increasing the value of the trust property, in proportion to their respective contributions. Therefore, even companies without plans for an IPO or M&A can distribute profits derived from dividends on their shares according to the contributions of their officers and employees. Furthermore, by using the transfer trust mechanism, the trust of funds can be repeatedly transferred to another trust, making it possible to distribute funds to any beneficiary at any time. In addition, since some or all of the accumulated funds can be pooled without distribution, it is also possible to invest those funds and earn compound interest. Moreover, it is possible to use the accumulated funds to purchase shares of the company or its parent company and distribute them to officers and employees.

[0044] Traditionally, even if a company made a profit each year, no company would pay all of it as salaries and bonuses for its officers and employees. A portion of the profits was retained as internal reserves, and in companies that efficiently utilized funds, some were distributed as dividends to the parent company. In contrast, this scheme, which distributes money using dividends, allows officers and employees to receive money just like shareholders, thus serving as an incentive to increase their motivation to contribute to the company's profits. Furthermore, as this scheme is implemented, profit distribution to other shareholders will also increase, which is expected to lead to an improvement in ROI (Return on Investment) and contribute to an overall economic boost. Moreover, when distributing stock options or shares themselves to officers and employees, there is a tendency for them to pursue short-term profits by selling the options or shares and then resigning. However, with this scheme, which allows a certain percentage of dividends to be set aside for officers and employees each year, there is a greater incentive to motivate them to improve profits year after year from a long-term perspective.

[0045] The above explanation uses the example of handling stocks or stock options as trust assets, but the present invention can handle various trust assets that will generate dividends or income in the future. Specifically, the money distribution system according to the present invention has the function of receiving information from a beneficiary designator who has the right to designate beneficiaries, such as those who have contributed to improving the value of the trust assets, and information regarding the degree of contribution of the beneficiaries, for a trust that targets specific trust assets that will generate dividends or income, and the function of performing a distribution process to distribute money accumulated as new trust assets based on dividends or income generated from the specific trust assets to the beneficiaries designated by the beneficiary designator in an amount corresponding to the degree of contribution of the beneficiaries.

[0046] The specific trust assets dealt with in this invention can be any assets that will generate dividends or income in the future. Examples include the stocks and stock options mentioned above, as well as real estate and crypto assets designed to generate income. Since the money distribution system for trusts of real estate and crypto assets can be implemented with substantially the same configuration as the money distribution system for stocks and stock options mentioned above, a detailed explanation will be omitted. In the case of trusts of stocks and stock options, it is often considered that the officers and employees of the issuing company contribute to the increase in value. However, in the case of trusts of real estate and crypto assets, it is difficult to conceive of those who contributed to the increase in value. Therefore, in the case of money distribution systems for trusts of real estate and crypto assets, a wide range of people, such as those related to the settlor, may be designated as beneficiaries. In addition, as with loan receivables, the principal and interest portions may be accumulated in the trust assets as money at the same time. Furthermore, when real estate or stocks are sold, it is also conceivable that the principal portion may be accumulated at the same time.

[0047] Although embodiments of the present invention have been described above, these embodiments are merely illustrative and do not limit the technical scope of the present invention. The present invention can take many other embodiments, and various modifications such as omissions and substitutions can be made without departing from the spirit of the invention. These embodiments and their variations are included in the scope and spirit of the invention as described herein, and are included in the scope of the invention and its equivalents as described in the claims.

[0048] Furthermore, the present invention can be provided not only as the devices described above or as systems composed of such devices, but also as methods executed by these devices, programs for a processor to realize the functions of these devices, and storage media for storing such programs in a computer-readable manner. [Industrial applicability]

[0049] This invention can be used to provide incentives to company officers and employees. [Explanation of Symbols]

[0050] 10: Issuing company, 11: Settlor, 12: Trustee, 13: Beneficiary designator, 14,15: Beneficiaries, 21: Server, 22: Database, 23-1~23-N,23A,23B: Clients, 31: Input / Output unit, 32: Processing unit, 33: Storage unit, 34: Communication unit

Claims

1. Regarding a trust that covers specific trust assets that generate dividends or income, the system includes a function to accept the designation of beneficiaries of said trust assets, such as those who have contributed to increasing the value of said trust assets, and input of information regarding the degree of contribution of said beneficiaries, from the beneficiary designator who has the right to designate said beneficiaries. A function to distribute money accumulated as new trust property based on dividends or income generated from the specific trust property to beneficiaries designated by the beneficiary designation right holder, in an amount corresponding to the beneficiary's contribution, A money distribution system characterized by having the following features.

2. In the money distribution system described in claim 1, A money distribution system further characterized by having a function to present to the beneficiary designated right holder the amount of money that can be distributed, calculated based on predetermined distribution rules.

3. In the money distribution system described in claim 1, A money distribution system characterized by further having a function to notify the beneficiary of the amount of money to be distributed.

4. In the money distribution system described in claim 1, A money distribution system characterized by accepting input of the amount of money to be distributed to the beneficiary as information regarding the beneficiary's contribution.

5. In the money distribution system described in claim 1, A money distribution system characterized by receiving input of the proportion of money to be distributed to the beneficiary as information regarding the beneficiary's contribution, and calculating the amount to be distributed to the beneficiary by apportioning the amount of money that can be distributed according to the distribution proportion to the beneficiary.

6. In the money distribution system described in claim 1, A monetary distribution system characterized by receiving an input of an index value representing the beneficiary's contribution as information regarding the beneficiary's contribution, and performing a predetermined calculation based on the index value relating to the beneficiary to calculate the distribution amount to the beneficiary.

7. In the money distribution system described in claim 1, A money distribution system characterized by establishing a new trust to take over the remaining trust assets if no beneficiary is designated for all or part of the trust assets by the beneficiary designation date.

8. In the money distribution system described in claim 1, A money distribution system characterized in that, if there are outstanding loans in the trust assets, the designation of beneficiaries cannot be made until part or all of the principal and interest on those loans has been repaid.

9. In the money distribution system described in claim 7, A financial distribution system characterized in that, if there are outstanding loans in the trust assets, the transfer of the trust cannot be carried out until part or all of the principal and interest on those loans has been repaid.

10. With respect to a trust that covers specific trust assets that generate dividends or income, the steps include receiving the designation of beneficiaries related to said trust assets, such as those who have contributed to the improvement of the value of said trust assets, and inputting information regarding the degree of contribution of said beneficiaries, from the beneficiary designator who has the right to designate said beneficiaries, The steps include: distributing to beneficiaries designated by the beneficiary designator an amount corresponding to the beneficiary's contribution, the amount of money accumulated as new trust property based on dividends or income generated from the specific trust property; A method of distributing money characterized by having the following features.

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