Information processing device

Abstract

To provide investors with new fund products capable of saving the costs and administrative hassle to be bone as a fund product owner.SOLUTION: An incorporated sales amount calculation unit 301 calculates the incorporated amount when a trust beneficiary right is incorporated into a fund and the sales amount when a trust property is sold after a predetermined period has elapsed. A depreciation expense amount calculation unit 302 calculates the depreciation expense amount of the trust property based on the calculated incorporated amount and sales amount. A rent amount calculation unit 303 calculates the rent amount when renting the trust property to a borrower U based on information including the calculated incorporated amount, sales amount and depreciation expense amount. A dividend amount calculation unit 304 subtracts the amount of necessary expenses and like, such as trust fees that a trustee R obtains, taxes and public dues, administrative expenses, and reserve funds, from the calculated rent amount, and calculates the payout amount to be paid out to a beneficiary P who receives the profit based on the trust beneficiary right.SELECTED DRAWING: Figure 4

Description

[Technical field]

[0001] The present invention relates to an information processing device. [Background technology]

[0002] Conventionally, there have been proposed investment strategy planning systems that aim to smoothly advance investment activities in funds and provide investors with stable, high dividends (for example, see Patent Document 1). However, investors are demanding that they invest in funds that have better investment yields, supply and demand balance, and trading price stability, and that can record desired profits and losses. In response to such demands, the applicant has already proposed an information processing device that can provide investors with fund products whose investment targets are excellent in terms of investment yields, supply and demand balance, and trading price stability, and which can record the profits and losses desired by investors (see Patent Document 2). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2003-108776 A [Patent Document 2] JP 2017-174429 A Summary of the Invention [Problem to be solved by the invention]

[0004] However, the technology described in Patent Document 2 entails costs and administrative hassle that must be borne by investors who are the owners of the fund products. For example, if the fund product is a truck, the investor not only has to bear the costs of automobile acquisition tax and ownership transfer fees, but also has to take on the hassle of various procedures such as ownership transfer. For this reason, there is a demand from fund investors to avoid the costs that they must bear as owners of fund products and the hassle involved in managing fund products.

[0005] The present invention has been made in consideration of the above-mentioned circumstances, and aims to provide investors with a new fund product that allows them to avoid the costs and administrative hassle that must be borne by the owner of the fund product. [Means for solving the problem]

[0006] In order to achieve the above object, an information processing device according to one aspect of the present invention comprises: An information processing device that manages trust beneficiary rights, which are rights to receive economic benefits generated from trust assets, as a fund product provided by a fund provider, comprising: an investment amount calculation means for calculating an investment amount when the trust beneficiary interest is incorporated into the fund and a sale amount when the trust property is sold after a predetermined period of time has elapsed; a depreciation calculation means for calculating a depreciation amount of the trust property based on the calculated investment amount and sale amount; a rental amount calculation means for calculating a rental amount when a trustee who has received the trust of the trust property from a settlor leases the trust property to a specified tenant, based on the calculated information including the investment amount, the sale amount, and the depreciation amount; a dividend amount calculation means for calculating a dividend amount to be distributed to a beneficiary who receives a benefit based on the trust beneficiary right by subtracting a predetermined deduction amount from the calculated rental amount; Equipped with.

[0007] The fund may further include a product optimization means for repeatedly executing calculation processes by each of the investment / sale amount calculation means, the depreciation amount calculation means, the rental amount calculation means, and the dividend amount calculation means by changing the combination of the investment amount, the sale amount, the rental amount, the depreciation amount, the specified deduction amount, and the dividend amount, and optimizing the contents of the fund products based on the results of the execution so that they are as desired by the fund provider.

[0008] In addition, the trust property is a vehicle, The said investment / sale amount calculation means The investment amount and the selling amount of t vehicles (t is an integer value of 1 or more) can be calculated based on parameters including at least the vehicle type and history information including the period of use.

[0009] In addition, the rental amount calculation means further The rental amount of the vehicle can be calculated based on the amount of compensation that the lessee receives when the lessee uses the vehicle to provide a specified service.

[0010] Additionally, the vehicle may be a commercial freight vehicle.

[0011] The vehicle can also be a towing vehicle that can be separated into a tractor and a trailer.

[0012] The vehicle may also be a vehicle for carrying passengers. Effect of the Invention

[0013] According to the present invention, it is possible to provide investors with a new fund product that can avoid the costs and management hassle that must be borne by the owner of the fund product. [Brief description of the drawings]

[0014] [Figure 1] 1 is a diagram showing an outline of the configuration of an information processing system including an information processing device according to an embodiment of the present invention. [Diagram 2] FIG. 2 is a diagram showing an overview of a fund that targets trust beneficiary rights, which can be realized by the information processing system of FIG. 1. [Diagram 3] FIG. 2 is a block diagram showing a hardware configuration of the server in FIG. [Figure 4] 2 is a functional block diagram showing an example of a functional configuration of a server 1 in the information processing system of FIG. 1. [Diagram 5] 2A to 2C are diagrams showing specific examples of results of various calculations performed by the server in FIG. 1 and results of optimization processing performed by a product optimization unit. [Figure 6] FIG. 13 shows an example of vehicle information for a commercial freight transport vehicle as trust property for an optimized trust beneficiary interest fund. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0015] Hereinafter, an embodiment 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 device 1 according to an embodiment of the present invention.

[0017] (Information Processing System) The information processing system shown in Figure 1 is composed of a server 1, investor terminals 2-1 to 2-n (n is any integer value greater than or equal to 1), entrustor terminals 3-1 to 3-m (m is any integer value greater than or equal to 1), and a trustee terminal 4, which are interconnected via a predetermined network N such as the Internet. The server 1 is an information processing device managed by the fund provider M. The server 1 executes various processes to manage the operations of the investor terminals 2-1 to 2-n, the entrustor terminals 3-1 to 3-m, and the trustee terminal 4. Each of the investor terminals 2-1 to 2-n is an information processing device operated by each of the investors I1 to In, and is constituted by, for example, a personal computer, a smartphone, or the like. Each of the entrustor terminals 3-1 to 3-m is an information processing device operated by each of the entrustors G1 to Gm, and is configured, for example, by a personal computer, a smartphone, or the like. In the following, when there is no need to individually distinguish between investors I1 to In, investor terminals 2-1 to 2-n, trustors G1 to Gm, and trustor terminals 3-1 to 3-m, they will be collectively referred to as "investor I," "investor terminal 2," "trustor G," and "trustor terminal 3," respectively. The trustee terminal 4 is an information processing device operated by the trustee R, and is configured, for example, by a personal computer, a smartphone, or the like.

[0018] FIG. 2 is a diagram showing an overview of a fund that targets trust beneficiary rights (hereinafter referred to as a "trust beneficiary rights fund") that can be realized by the information processing system of FIG.

[0019] (Trust Beneficiary Interest Fund) FIG. 2(A) is an image diagram showing an overview of a typical transaction. In a typical transaction, as shown in FIG. 2(A), the ownership of an asset (truck T) is transferred from a seller S to a buyer B. In contrast, FIG. 2(B) is an image diagram showing an overview of a transaction of a trust beneficiary interest. In the case of a transaction of a trust beneficiary interest, as shown in FIG. 2(B), the person who owns the asset (truck T) is the trustor G, who entrusts the asset (truck T) to a trustee R such as a trust bank (step S1), and acquires the trust beneficiary interest arising from the entrusted asset (truck T) (step S2). A trust beneficiary right is the right to receive economic benefits arising from the trust property. Trust property is property entrusted by the settlor to the trustee in a trust agreement, will, or other trust document. Cash, deposits, securities such as stocks and government bonds, real estate such as land and buildings, and intellectual property rights such as patents and trademarks are all examples of property that can be subject to trust property. Vehicles, airplanes, ships, etc. can also be subject to trust property. Vehicles that can be subject to trust property include all types of vehicles, such as commercial cargo transport vehicles such as trucks and trailers shown in Figure 2(B) and passenger transport vehicles such as buses and taxis.

[0020] (Fund Provider) The term "fund provider" as used herein refers to a person who, as a fund manager, provides fund products to investors and aims to manage and increase the assets of investors entrusted to them by the investors. The fund products provided by the fund provider include trust beneficiary rights. As shown in Figure 2(B), in this embodiment, the fund provider M, as a provider of a trust beneficiary fund in which new and used commercial freight transport vehicles are the trust assets, manages the assets of the investor I who has invested in the trust beneficiary interest fund. In this specification, unless otherwise specified, when simply referring to a used car, it means a used commercial freight transport vehicle.

[0021] (Investor) An investor in the present invention is a person who engages in the activity of investing current assets in a fund provided by a fund provider with the main objective of increasing his / her own assets. Investors include individual investors, institutional investors, etc. The objective of an investor investing in a fund may include ensuring that the amount of profit or loss of the fund relative to the amount of investment made by the investor is the amount desired by the investor. As shown in FIG. 2(B), an investor I in this embodiment invests his / her current assets in a trust beneficiary interest fund provided by a fund provider M.

[0022] (Consignor) The trustor in the present invention is a person who entrusts trust property to a trustee. As shown in Fig. 2(B), in this embodiment, a trustor G entrusts new and used commercial cargo transport vehicles as trust assets to a trustee R. The trustor G includes people who have owned new and used commercial cargo transport vehicles as their own assets.

[0023] (Trustee) The trustee in this invention is a person who takes over the trust property from the settlor and manages and disposes of the trust property for the beneficiary in accordance with the trust purpose set by the settlor. The trust purpose refers to the purpose that the settlor intends to achieve by entrusting the property to the trust. As shown in FIG. 2(B), the trustee R in this embodiment accepts new and used commercial freight transport vehicles as trust assets from the trustor G, and manages and disposes of the new and used commercial freight transport vehicles for the beneficiary P in accordance with the trust purpose set by the trustor G. The trustee R includes financial institutions, trust companies, etc. that handle trust business. It should be noted that the fund provider M may also be the trustee R.

[0024] (beneficiary) The beneficiary in the present invention is a person who has a trust beneficiary right, which is the right to receive economic benefits arising from the trust property. As shown in FIG. 2(B), in this embodiment, the beneficiary P, as a person who holds a trust beneficiary right, receives economic benefits such as rental amounts arising from new and used commercial freight transport vehicles. Specifically, an investor I who invested in a trust beneficiary right fund receives economic benefits such as rental amounts arising from new and used commercial freight transport vehicles as a beneficiary P who holds a trust beneficiary right. Note that anyone can be a beneficiary P, so for example, a trustor G can also become a beneficiary P as an investor I in a trust beneficiary right fund.

[0025] (borrower) The term "specified lessee" in the present invention refers to a person who leases and uses the trust property from the trustee who is the lessor. As shown in Fig. 2(B), the lessee U in this embodiment rents a new or used commercial cargo transport vehicle from the lessor, the trustee R, and uses it for his / her own business. The lessee U may be, for example, a transport company that uses a commercial cargo transport vehicle to deliver luggage, etc. In the past, it was common for transport companies to purchase the vehicles they used to transport commercial cargo. As a result, transport companies, as owners of commercial cargo vehicles, were required to bear the costs of automobile acquisition tax and other expenses for the vehicles, and also had to go through the trouble of various procedures such as changing the ownership. In contrast, the lessee U in this embodiment is merely a person who rents a new or used commercial freight transport vehicle from the trustee R, and is therefore able to avoid the costs and hassle of various procedures that he or she previously incurred as an owner. In other words, the lessee U is only obligated to pay the rental amount set out in the vehicle lease contract concluded with the trustee R. Furthermore, when the management structure of the lessee U is evaluated by financial institutions, etc., the lessee U can also enjoy the benefit of a balance sheet evaluation in that procurement by rental is evaluated higher than procurement by purchase of a commercial freight transport vehicle.

[0026] FIG. 3 is a block diagram showing a hardware configuration of the server 1 of FIG.

[0027] The 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 memory unit 18, a communication unit 19, and a drive 20.

[0028] The CPU 11 executes various processes according to a program recorded in the ROM 12 or a program loaded from the storage unit 18 into the RAM 13 . The RAM 13 also stores data and the like necessary for the CPU 11 to execute various processes.

[0029] The CPU 11, ROM 12, and RAM 13 are connected to one another via a bus 14. An input / output interface 15 is also connected to this bus 14. An output unit 16, an input unit 17, a storage unit 18, a communication unit 19, and a drive 20 are connected to the input / output interface 15.

[0030] 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 is used to input various information.

[0031] 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 (investor terminals 2-1 to 2-n, entrustor terminals 3-1 to 3-m, and terminal 4 in the example of FIG. 1) via a network N including the Internet.

[0032] Removable media 30, such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory, is appropriately loaded into the drive 20. A program read from the removable media 30 by the drive 20 is installed in the storage unit 18 as necessary. Furthermore, the removable medium 30 can also store various data stored in the storage unit 18 in the same manner as the storage unit 18 .

[0033] Although not shown, among the information processing system of FIG. 1, the investor terminal 2, the entrustor terminal 3, and the trustee terminal 4 as one embodiment of the present invention also have the hardware configuration shown in FIG.

[0034] FIG. 4 is a functional block diagram showing an example of a functional configuration of the server 1 in the information processing system of FIG.

[0035] In the CPU 11 (FIG. 2) of the server 1, a simulation unit 201 and a product optimization unit 202 function as shown in FIG. A vehicle DB 401 and a calculation result DB 402 are stored in one area of ​​the storage unit 18 (FIG. 2).

[0036] The simulation unit 201 includes an investment sale amount calculation unit 301, a depreciation amount calculation unit 302, a rental amount calculation unit 303, and a dividend amount calculation unit 304. In the simulation unit 201, for example, for a combination of t commercial freight vehicles arbitrarily selected from a plurality of commercial freight vehicles, the following calculations are performed in each calculation unit (incorporated sale amount calculation unit 301, depreciation amount calculation unit 302, rental amount calculation unit 303, and dividend amount calculation unit 304). Each of the t commercial freight vehicles is associated with parameters including at least vehicle type and history information including period of use, and is stored and managed in the vehicle DB 401. The combination of the t commercial freight vehicles can include commercial freight vehicles owned by the trustee R as trust assets, as well as commercial freight vehicles that the trustee R can procure in the future. The results of the simulation by the simulation unit 201 are stored and managed in a calculation result DB 402 .

[0037] The investment sale amount calculation unit 301 calculates the investment amount when purchasing a commercial freight transport vehicle that is a trust asset, and the sale amount when selling the commercial freight transport vehicle after a predetermined period of time, based on parameters including at least the vehicle type and history information including the period of use. The sale amount refers to the so-called trade-in amount. A specific method for calculating the investment amount and the sale amount will be described later with reference to FIG. 5(A).

[0038] The depreciation amount calculation unit 302 calculates the depreciation amount of each of the t commercial freight transport vehicles based on the calculation results of the incorporation amount and the sale amount by the incorporation / sale amount calculation unit 301. A specific example of the depreciation amount of the t commercial freight transport vehicles calculated by the depreciation amount calculation unit 302 will be described later with reference to FIG. 5(B).

[0039] Based on the calculated information including the investment amount, sale amount, and depreciation amount, the rental amount calculation unit 303 calculates the rental amount when the trustee R, who has received trust for each of t commercial freight transport vehicles from each of the trustors G1 to Gm, rents the commercial freight transport vehicles to the lessee U. The rental amount calculated by the rental amount calculation unit 303 is calculated by a predetermined algorithm based on the information including the investment amount, sale amount, and depreciation amount. A specific example of the rental amount of the commercial freight transport vehicle calculated by the rental amount calculation unit 303 will be described later with reference to FIG. 4(C).

[0040] The dividend amount calculation unit 304 deducts a predetermined deduction amount from the calculated rental amount to calculate the dividend amount to be distributed to the beneficiary P who receives benefits based on the trust beneficiary right. Specifically, the dividend amount calculation unit 304 deducts necessary expenses such as trustee fees, public taxes, management fees, and reserve funds acquired by the trustee R from the rental amount of t commercial cargo transport vehicles calculated by the rental amount calculation unit 303 to calculate the dividend amount to be distributed to the beneficiary P who receives benefits based on the trust beneficiary right.

[0041] The product optimization unit 202 varies the combination of the calculated investment amount, sale amount, rental amount, and dividend amount, and causes the investment / sale amount calculation unit 301, the depreciation amount calculation unit 302, the rental amount calculation unit 303, and the dividend amount calculation unit 304 to repeatedly execute calculation processing, and optimizes the contents of the fund products based on the execution results so that the contents of the fund products meet the fund provider's desire. Specifically, the product optimization unit 202 varies the combination of the calculated investment amount, sale amount, rental amount, and dividend amount, and causes the investment / sale amount calculation unit 301, the depreciation amount calculation unit 302, the rental amount calculation unit 303, and the dividend amount calculation unit 304 to repeatedly execute calculation processing, and optimizes the contents of the trust beneficiary interest fund based on the execution results so that the contents of the trust beneficiary interest fund meet the fund provider's desire.

[0042] Hereinafter, with reference to FIG. 5, a specific example of the results of various calculations performed by the simulation unit 201 and the results of the optimization process performed by the product optimization unit 202 will be described. FIG. 5 is a diagram showing a specific example of the results of various calculations performed by the simulation unit 201 and the results of the optimization process performed by the product optimization unit 202.

[0043] Fig. 5(A) is a diagram showing a specific example of information stored in the calculation result DB 402 as a calculation result by the investment sale amount calculation unit 301. In the example shown in Fig. 5(A), for each of eight cargo transport vehicles that are the trust assets related to the trust beneficiary interest fund, the investment amount, residual value rate, and sale amount after the two-year amortization period are calculated using the vehicle name, model, and year as parameters. Specifically, based on the parameters of the first vehicle, a commercial freight transport vehicle with a model name of "large van (wing)", a model number of "FS64JZ-550", and a model year of "Heisei 19", the calculation results show an investment price of "2,500,000 (yen)", a residual value rate of "40.00%", and a selling price of "1,000,000 (yen)". Also, based on the parameters of the second vehicle, a commercial freight transport vehicle with a model name of "2t van", a model number of "XZU548-000", and a model year of "Heisei 21", the calculation results show an investment price of "1,000,000 (yen)", a residual value rate of "30.00%", and a selling price of "300,000 (yen)". Another specific example of information stored in the calculation result DB402 as a result of calculation by the investment / sale amount calculation unit 301 is as shown in Figure 4A, where the total investment price is "27,200,000 (yen)" and the total sale price is "15,500,000 (yen)."

[0044] Fig. 4(B) is a diagram showing a specific example of information stored in the calculation result DB 402 as a result of calculation by the depreciation amount calculation unit 302. In the example shown in Fig. 4(B), along with the depreciation method (the declining balance method in the example of Fig. 4(B)) and the depreciation rate for each year, the calculation results for the depreciation years determination (result), the depreciation rate determination (result), the number of months until the first fiscal year settlement, and the depreciation amount for each year for each of the eight cargo transport vehicles are shown. Specifically, for the first vehicle, the calculation results are shown as follows: amortization period determination (result) is "2 years," amortization rate determination (result) is "100.00%," amortization amount for the first year is "1,666,667 (yen)," and amortization amount for the second year is "833,333 (yen)." For the second vehicle, the calculation results are shown as follows: amortization period determination (result) is "2 years," amortization rate determination (result) is "100.00%," amortization amount for the first year is "666,667 (yen)," and amortization amount for the second year is "333,333 (yen)." Other specific examples of information stored in the calculation result DB 402 as the calculation results by the depreciation calculation unit 302 are shown in FIG. 4(B), where the total depreciation amount for the first year is “18,133,333 (yen)” and the total depreciation amount over the entire period is “27,200,000 (yen).”

[0045] Fig. 4(C) is a diagram showing a specific example of information stored in the calculation result DB 402 as a result of calculation by the rental amount calculation unit 303. The example shown in Fig. 4(C) shows the calculation results of the lessee (the name of lessee U), monthly lease fee (gross), AM (asset management) fee, annual expenditure (vehicle inspection and maintenance), monthly rental income (net), etc. for each of eight cargo transport vehicles. Specifically, for the first unit, the calculation results are shown as follows: the name of the lessee U is "Limited Company XX Transport", the monthly lease fee (gross) is "100,000 (yen)", the AM fee 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 rental income (net) is "50,192 (yen)". For the second unit, the calculation results are shown as follows: the name of the lessee U is "Limited Company XX Transport", the monthly lease fee (gross) is "50,000 (yen)", the AM fee 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 "24,000 (yen)". Another specific example of information stored in the calculation result DB402 as a result of calculation by the rental amount calculation unit 303 is as shown in Figure 4 (C), where the total monthly lease fee (gross) is "671,000 (yen)."

[0046] FIG. 6 is a diagram showing an example of vehicle information for a commercial freight transport vehicle serving as trust property for an optimized trust beneficiary interest fund.

[0047] As shown in Fig. 6, vehicle information for the eight commercial cargo transport vehicles that are the trust assets includes the vehicle control number, vehicle photo, vehicle name, model year, manufacturer, and vehicle user location. The vehicle information shown in Fig. 6 may be viewable using the investor terminal 2.

[0048] Although one embodiment of the present invention has been described above, 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.

[0049] For example, the information on which the rental amount is calculated by the rental amount calculation unit 303 is based is not limited to the above examples (the calculated investment amount, sale amount, and depreciation amount). It may also include the amount that the lessee U receives as compensation for providing a specified service using a commercial cargo transport vehicle. This allows the trustee R to rent a commercial cargo transport vehicle and also act as an intermediary for the cargo transport business itself using the commercial cargo transport vehicle to the lessee U.

[0050] In addition, the t commercial cargo transport vehicles that are the subject of the trust property can include a towing vehicle that can be separated into a tractor (the towing vehicle including the driver's seat) and a trailer (the towed vehicle such as a cargo bed or passenger car). Trailers have the advantage of having fewer breakdowns than driving vehicles, and therefore have the advantage of lower running costs than driving vehicles. Furthermore, trailers have the advantage of having a smaller depreciation when sold compared to driving vehicles. For this reason, it is possible to actively include trailers in the subject of the trust property, for example by increasing the number of trailers per tractor.

[0051] Furthermore, the hardware configuration shown in FIG. 3 is merely an example for achieving the object of the present invention, and is not particularly limited.

[0052] In addition, the functional block diagram shown in Fig. 4 is merely an example and is not particularly limited. In other words, it is sufficient that the information processing system is provided with a function capable of executing the above-mentioned series of processes as a whole, and the type of functional block used to realize this function is not particularly limited to the example in Fig. 4.

[0053] Furthermore, the locations of the functional blocks are not limited to those shown in FIG. Furthermore, one functional block may be configured as a single piece of hardware, a single piece of software, or a combination of both.

[0054] When the processing of each functional block is executed by software, the program constituting the software is installed into a computer or the like from a network or a recording medium. The computer may be a computer built into dedicated hardware, or may be a computer capable of executing various functions by installing various programs, such as a server, a general-purpose smartphone, or a personal computer.

[0055] A recording medium containing such a program is not only composed of removable media that is distributed separately from the device body in order to provide each user with the program, but also composed of a recording medium that is provided to each user in a state in which it is pre-installed in the device body.

[0056] In this specification, the steps of describing a program to be recorded on a recording medium include not only processes that are performed chronologically according to the order, but also processes that are not necessarily performed chronologically but are executed in parallel or individually.

[0057] In addition, in this specification, the term "system" refers to an overall device that is composed of a plurality of devices, a plurality of means, etc.

[0058] In summary, the information processing apparatus to which the present invention is applied is sufficient if it has the following configuration, and can take various different embodiments. That is, an information processing device to which the present invention is applied (for example, information processing device 1) is An information processing device that manages trust beneficiary rights, which are rights to receive economic benefits (e.g., lease fees) generated from trust assets (e.g., vehicles for transporting commercial cargo), as a product of a fund provided by a fund provider (e.g., fund provider M in FIG. 1 ), an investment sale amount calculation unit (e.g., investment sale amount calculation unit 301 in FIG. 4) for calculating an investment amount when the trust beneficiary right is incorporated into the fund and a sale amount when the trust property is sold after a predetermined period of time has elapsed; A depreciation calculation unit (e.g., the depreciation calculation unit 302 in FIG. 4) that calculates the depreciation amount of the trust property based on the calculated investment amount and sale amount; a rental amount calculation means (e.g., rental amount calculation unit 303 in FIG. 4) for calculating a rental amount when a trustee (e.g., trustee R in FIG. 2) who has received the trust of the trust property from a settlor (e.g., settlor G in FIG. 2) leases the trust property to a specified tenant (e.g., tenant U in FIG. 2) based on the calculated information including the investment amount, the sale amount, and the depreciation amount; a dividend calculation means (e.g., the dividend calculation unit 304 in FIG. 4) for calculating a dividend amount to be distributed to a beneficiary (e.g., the beneficiary P in FIG. 2) who receives a profit based on the trust beneficiary right by deducting a predetermined deduction amount (e.g., necessary expenses such as trustee fees, public taxes, management fees, and reserve funds acquired by the trustee R) from the calculated rental amount; Equipped with. This makes it possible to provide investors with a trust beneficiary interest fund that allows them to avoid the costs and administrative hassles that they would have to bear as the owner of the fund product.

[0059] In addition, the system may further include a product optimization means (e.g., product optimization unit 202 in Figure 4) that changes the combination of the investment amount, sale amount, rental amount, the specified deduction amount, and the dividend amount, repeatedly executes calculation processing by each of the investment / sale amount calculation means, the rental amount calculation means, and the dividend amount calculation means, and optimizes the content of the fund products so that they are as desired by the fund provider based on the results of the execution. This allows the trust beneficiary interest fund to be optimized to the desired content, while avoiding the costs and management hassle that must be borne by the owner of the fund product.

[0060] In addition, the trust property is a vehicle, The said investment / sale amount calculation means The investment amount and the selling amount of t vehicles (t is an integer value of 1 or more) can be calculated based on parameters including at least the vehicle type and history information including the period of use. This makes it possible to provide investors (e.g., Investor I in Figure 2) with a trust beneficiary interest fund that allows them to avoid the costs and management hassle that they would have to bear as a vehicle owner.

[0061] In addition, the rental amount calculation means further When the lessee uses the vehicle to provide a specified service (for example, transportation services), the rental amount of the vehicle can be calculated based on the amount of compensation that the lessee receives. This allows the trustee to rent out a vehicle and also act as an intermediary for the lessee to handle cargo operations (such as transportation operations) using the vehicle.

[0062] Additionally, the vehicle may be a commercial freight vehicle. This makes it possible to provide investors with a trust beneficiary interest fund that allows them to avoid the costs and management hassle that they would have to bear as owners of commercial freight transport vehicles.

[0063] The vehicle can also be a towing vehicle that can be separated into a tractor and a trailer. This makes it possible to take advantage of the technique of actively including trailers in the trust assets.

[0064] The vehicle may also be a vehicle for carrying passengers. This makes it possible to provide a trust beneficiary rights fund in which vehicles for transporting passengers, such as buses, are the subject of trust assets. [Explanation of symbols]

[0065] 1. Server 2, 2-1, 2-n... Investor terminal 3, 3-1, 3-m... Entrustor terminal 4. Trustee terminal 11. CPU 12. ROM 13. RAM 14. Bus 15 Input / Output Interface 16 Output section 17 Input section 18... Storage section 19. Communications Department 20. Drive 30. Removable Media 201 Simulation Department 202 Product Optimization Department 301... Incorporated sales amount calculation section 302 Depreciation calculation unit 303...Rent calculation unit 304: Dividend amount calculation unit 401 Vehicle DB 402... Operation result DB D. Landlord G, G1, Gm... Consignor I, I1, In... Investor M... Fund Provider N... Network P... Beneficiary R...Trustee U... Renter

Claims

1. An information processing device that manages trust beneficiary rights, which are rights to receive economic benefits arising from trust assets, of t vehicles (where t is an integer value of 1 or greater) as a product of a fund provided by a fund provider, comprising: an investment sale amount calculation means for calculating an investment amount as a purchase amount when the trust property is purchased and a sales amount when the trust property is sold after a predetermined period of time based on parameters including at least the vehicle type and history information including the period of use; a depreciation calculation means for calculating a depreciation amount of the trust property based on the calculated investment amount and the calculated sale amount; a rental amount calculation means for calculating, using predetermined information serving as a basis for calculation, a rental amount when a trustee who has received the trust of the trust property from a settlor is a lessor and the lessor rents the trust property to a specified lessee; a dividend amount calculation means for calculating a dividend amount to be distributed to a beneficiary who receives a benefit based on the trust beneficiary right by using the calculated rental amount minus a predetermined deduction amount; a simulation execution means for executing calculation processing by the investment / sale amount calculation means, the depreciation amount calculation means, the rental amount calculation means, and the dividend amount calculation means for a predetermined combination of the investment amount, the sale amount, the rental amount, the predetermined deduction amount, and the dividend amount; An information processing device comprising:

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

3. The vehicle is a towing vehicle that can be separated into a tractor and a trailer.

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

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

5. An information processing method executed by an information processing device that manages trust beneficiary rights, which are rights to receive economic benefits arising from trust assets, of t vehicles (t being an integer value of 1 or greater) as a product of a fund provided by a fund provider, comprising: an investment sale amount calculation step for calculating an investment amount as a purchase amount when the trust property is purchased and a sales amount when the trust property is sold after a predetermined period of time based on parameters including at least the vehicle type and historical information including the period of use; a depreciation amount calculation step of calculating a depreciation amount of the trust property based on the calculated investment amount and the calculated sale amount; a rental amount calculation step of calculating, using predetermined information serving as a basis for calculation, a rental amount when a trustee who has received the trust of the trust property from a settlor is a lessor and the lessor rents the trust property to a specified lessee; a dividend amount calculation step of calculating a dividend amount to be distributed to a beneficiary who receives a benefit based on the trust beneficiary right by using an amount obtained by deducting a predetermined deduction amount from the calculated rental amount; a simulation execution step for executing calculation processes by the investment sale amount calculation step, the depreciation amount calculation step, the rental amount calculation step, and the dividend amount calculation step for a predetermined combination of the investment amount, the sale amount, the rental amount, the predetermined deduction amount, and the dividend amount; An information processing method comprising:

6. A computer that manages t vehicles (t being an integer value of 1 or more) as trust assets and trust beneficiary rights, which are rights to receive economic benefits generated from the trust assets, as a fund product provided by a fund provider, an investment sale amount calculation step for calculating an investment amount as a purchase amount when the trust property is purchased and a sales amount when the trust property is sold after a predetermined period of time based on parameters including at least the vehicle type and historical information including the period of use; a depreciation amount calculation step of calculating a depreciation amount of the trust property based on the calculated investment amount and the calculated sale amount; a rental amount calculation step of calculating, using predetermined information serving as a basis for calculation, a rental amount when a trustee who has received the trust of the trust property from a settlor is a lessor and the lessor rents the trust property to a specified lessee; a dividend amount calculation step of calculating a dividend amount to be distributed to a beneficiary who receives a benefit based on the trust beneficiary right by using an amount obtained by deducting a predetermined deduction amount from the calculated rental amount; a simulation execution step for executing calculation processes by the investment sale amount calculation step, the depreciation amount calculation step, the rental amount calculation step, and the dividend amount calculation step for a predetermined combination of the investment amount, the sale amount, the rental amount, the predetermined deduction amount, and the dividend amount; A program that executes control processing including:

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