Time-based business evaluation and automated investment system

Abstract

The present invention pertains to technology of an automatic investment system, and achieves an automatic investment system and a business evaluation system which are capable of maximizing profits irrespective of the skill of a user.　The information processing system numerically measures a "Value For Time" indicating the value of a business on the basis of the difference in time cost between an existing business and a new business, the number of users, and the happiness degree.

Description

[Technical Field]

[0001] The present invention relates to an information processing system. [Background Art]

[0002] For example, as an existing automatic investment system, there is known a system that automatically or supportively performs appropriate investment based on data based on past business evaluations of target companies or predicted values predicted by a person who is evaluated as competent in many stock price predictions (see, for example, Patent Document 1).

[0003] Furthermore, the present inventor has shown in an economics paper (Non-Patent Document 1) that by using the indicator "Value For Time", there is a possibility of inducing economic activity, that is, crowd behavior. Note that, in order to clearly distinguish "Value For Time" described in this economics paper from what is calculated by the information processing system to which the present invention is applied (described later), it shall be described as "Value For Time (paper)". [Prior Art Documents] [Patent Documents]

[0004] [Patent Document 1] Japanese Patent Application No. 2003-273308 Publication [Non-Patent Documents]

[0005] [Non-Patent Document 1] <Peer-reviewed paper> Tetsuya Oshima (2021) "Value For Time: Impact of Policies Providing Incentives for Extending Free Time Viewed Through Changes in the Medical Fee System", International Journal of Public Economics, Vol. 32 [Summary of the Invention] [Problem to be Solved by the Invention]

[0006] For example, conventional automated investment systems such as Patent Document 1 have selected investment targets by focusing on factors such as the operating profit and retained earnings of target companies. However, while these may have been able to evaluate past performance to some extent, it was difficult to accurately predict the future performance of the target companies. Alternatively, data based on stock price fluctuations predicted by many people who are already considered competent at predicting stock prices often shows that the stock price has already risen. Needless to say, in order to make a profit from trading stocks, it is necessary to buy low and sell high, and how quickly and accurately one can predict future performance is crucial for stock investment. However, accurately predicting the value of planned businesses is difficult for AI, and it has been necessary for people to read new technological developments, new services, and changes in management policies of target companies and make predictions based on years of intuition.

[0007] This invention was made in view of these circumstances and aims to numerically measure the value of a business. By achieving this objective, it will be possible, for example, to predict crowd behavior, appropriately automate or support investments that yield the highest possible returns regardless of the user's skills, and report on previously unseen business opportunities. [Means for solving the problem]

[0008] To achieve the above objective, an information processing system according to one aspect of the present invention is: A "Value For Time" measurement method that numerically measures the "Value For Time" of a business by comparing the time costs of existing and new businesses, the number of users, and the level of satisfaction with the time spent. It is equipped with. [Effects of the Invention]

[0009] According to this invention, it is possible to maximize profits from stock trading by enabling not only past business evaluations but also future business evaluations. Furthermore, it is possible to properly evaluate all businesses and improvement proposals that would benefit society as a whole, which have been overlooked, in a way that reduces time and costs, and in other words, improves the quality of life for people, and raise funds to continuously improve society as a whole. [Brief explanation of the drawing]

[0010] [Figure 1] This is a block diagram of an example of a time-based business evaluation and automated investment system, which is one embodiment of the information processing system of the present invention. [Figure 2] Figure 1 is a flowchart showing an example of the process performed by the system. [Figure 3A] This figure shows an example of service information data. [Figure 3B] This figure shows an example of service information data. [Figure 3C] This figure shows an example of service information data. [Figure 3D] This figure shows an example of service information data. [Figure 4A] This figure shows an example of needs information data. [Figure 4B] This figure shows an example of needs information data. [Figure 5A] This figure shows an example of matching list data. [Figure 5B] This figure shows an example of matching list data. [Figure 6A] This figure shows an example of business information data. [Figure 6B] This figure shows an example of business information data. [Figure 7A] This figure shows an example of stock information data. [Figure 7B] This figure shows an example of stock information data. [Figure 8] This is an explanatory diagram for Value For Time. [Figure 9]It is a schematic diagram for measuring the value of water supply services by Value For Time.

Mode for Carrying Out the Invention

[0011] Hereinafter, an embodiment of the information processing system of the present invention (hereinafter referred to as "the present embodiment") will be described with reference to the drawings.

[0012] Here, an example of need information described later is shown in FIGS. 3A to 3D. Therefore, hereinafter, FIGS. 3A to 3D are simply referred to as "FIG. 3" without particular distinction. Similarly, an example of service information described later is shown in FIGS. 4A and 4B. Therefore, hereinafter, FIGS. 4A to 4B are simply referred to as "FIG. 4" without particular distinction. An example of a matching list described later is shown in FIGS. 5A and 5B. Therefore, hereinafter, FIGS. 5A to 5B are simply referred to as "FIG. 4" without particular distinction. An example of operator information described later is shown in FIGS. 6A and 6B. Therefore, hereinafter, FIGS. 6A to 6B are simply referred to as "FIG. 6" without particular distinction. An example of operator information described later is shown in FIGS. 7A and 7B. Therefore, hereinafter, FIGS. 7A to 7B are simply referred to as "FIG. 7" without particular distinction.

[0013] FIG. 1 is a block diagram of a time-measured business evaluation and automatic investment system 999 according to the present embodiment. The automatic investment system 999 is an information processing system capable of performing time-measured business evaluation and automatic investment, and is an information processing system capable of performing automatic investment after predicting future business evaluation.

[0014] The time-based business evaluation and automated investment system 999 (hereinafter referred to as "the System") according to this embodiment has a configuration in which a system server 100, multiple user terminals such as an administrator terminal 200 and a user terminal 300, and as many investment market systems as possible that are not described herein but could be targets of investment, such as a big data system 002, a stock market system 003, a real estate market system 004, a resource market system 005, and a crowdfunding system 006, are interconnected by a network 001 such as the Internet or a local area network.

[0015] The server system 100, although not specifically shown in the diagram, is a system equipped with information processing equipment including a CPU (Central Processing Unit), ROM (Read-Only Memory), RAM (Random Access Memory), etc., storage devices, an online system that can input and output information from administrator and user terminals, an online system linked to a bank that manages the deposit and withdrawal of funds for investment transactions, and communication devices such as wired or wireless network interfaces. Administrator terminal 200 and user terminal 300 are various types of devices, such as smartphones and tablet devices. In the example in Figure 1, for the sake of simplicity, some details are omitted, but in reality, the device will connect to a larger number of terminals, each with its own communication and processing unit capable of input and output. Furthermore, the time-based business evaluation and automated investment system 999 are just examples, and any system with equivalent functionality can be used as a substitute.

[0016] In Figure 1, the system server 100 includes an information acquisition unit 101 that analyzes big data 002 and information from various investment market systems via a network 001 such as the Internet and collects information that is deemed useful to the system; an information processing unit 102 that appropriately processes the information; and a recording unit 110 that can appropriately read and write information before and after the information processing. The recording unit 110 also includes a needs information DB 111 that stores information on all kinds of needs, a service information DB 112 that stores information on businesses that can satisfy these needs, a matching list DB 113 that is a matching list of "needs information" and "service information", a business information DB 114 that stores information on businesses that provide the aforementioned services, a stock information DB 115 that stores stock information, a real estate information DB 116 that stores real estate information, a resource information DB 117 that stores resource information, a crowdfunding DB 118 that stores crowdfunding information, and a user DB 119 that stores the authority and scope of members (users) using the system (time-based business evaluation and automated investment system 999), as well as the timing of information disclosure.

[0017] In this specification, "needs" refers to data on all kinds of human desires. Furthermore, in this specification, "needs information" refers to a data list that comprehensively records as many types of needs (human desires) as possible that are stored in this system. As an example, as shown in Figure 3 below, the "Need Name" stores the type of need, but it is subdivided to the point where a specific action becomes the objective. Needs that are merely states, such as "hobbies" or "life support," are not objectives, and are subdivided and expressed to the point where they are fulfilled by specific actions, such as "hobbies:watching videos:anime:sci-fi." For example, "life support" exists as a category, but it is subdivided and stored to the point where specific things or actions are taken, such as "life support:drinking water." The "Demand Quantity" and "Demander Distribution" fields, which seek the relevant needs, store information such as which regions have which genders, age groups, and income brackets. The "Appropriate Supply Quantity" field stores the average supply quantity needed to meet that need. The "Alternative Needs" field stores needs that could potentially be alternatives to the relevant need. The "By-Utility Needs" field stores other needs that are simultaneously met by satisfying the relevant need. The "Shortage State" field stores what state would result if the need were not met. The "Reliability" field stores the reliability of the need information. The "Necessity" field stores the necessity level of the need as a numerical value. As explained above, the "Need Name" field in the needs information example in Figure 3 is a required field. Of course, it is possible that additional or modified fields may be added in the future. Needs information is a numerical representation of the results of analyzing big data to understand what people want and how they act, as well as the time costs (money, effort, risk) they incur to perform those actions. Needs information may also be collected through various surveys, psychological tests, and simulations. Estimates are used to fill in any gaps in the data. However, an increase in estimates lowers reliability.

[0018] Furthermore, in this specification, "service" refers to any business, product, technology, service, idea, patent, paper, activity, infrastructure, law, or administration, whether paid or free, that meets a need, and is not limited to the general meaning of "service." Furthermore, in this specification, "business operator" does not necessarily mean a for-profit company, but also includes government, local authorities, non-profit organizations, individuals, etc. Furthermore, in this specification, "service information" refers to the service information data in Figure 4 or similar data. The "service name" field in the service information in Figure 4 is a required field. This is because when matching needs information with service information, the matching is determined by the "need name" in the needs information and the "service name" in the service information. Required fields may be added or modified. The data collection method for each item of service information is the same as for needs information. Here, the "service name" in the service information is broken down to the level of a specific action. Mere state needs, such as "hobby" or "life support," do not qualify as services. Instead, needs are broken down and described to the level of a specific action that fulfills them, such as "Internet channel: video streaming: anime: science fiction: Japanese with subtitles in various languages." Furthermore, Figure 1 shows only one example of a component such as the DB, and it is possible to replace, add, or modify it with other elements that have similar functions.

[0019] Next, we will explain the information processing flow using the flowchart in Figure 2.

[0020] In step S1 of the information acquisition process, the information acquisition unit 101 collects data deemed necessary for the system from big data 202 and various market sources.

[0021] In step S2 of the information organization unit, the information acquisition unit 101 appropriately stores the data collected in step S1 into the various databases of the recording unit 110.

[0022] In step S3 of DB reading and writing, the information processing unit 102 reads the necessary information from the DB of the recording unit 110 before processing in all subsequent steps, and writes the processing results to the corresponding section after processing is complete.

[0023] In step S4 of the needs information necessity analysis, the information processing unit 102 stores an appropriate value in the "Necessity Level" item of "Needs Information" in Figure 3, as a value indicating the degree of necessity of each piece of needs information. Here, necessity is measured by the difference between the time cost of leaving the current situation as is and not taking action to satisfy the needs of people in the needs information category, and the time cost of the ideal state where the needs are fully satisfied. In other words, necessity = time cost of not taking action to satisfy the need - time cost of the ideal state where the need is fully satisfied. Here, we will refer to the "time cost of not taking action to satisfy the needs" as the "time cost of leaving the situation as it is." We will also refer to the "ideal time cost when the needs are fully satisfied" as the "ideal state time cost." in this case, Necessity = Cost of leaving the current state as is - Cost of the ideal state This is the result. Note that the necessity data in the example in Figure 3 is expressed as a percentage, but this is for clarity only. In reality, necessity is expressed as the difference between the idle time cost and the ideal state time cost, as described above, and is therefore expressed in terms of hours, similar to "Value For Time". The level of necessity for "maintaining health: skin diseases: athlete's foot" is as follows: The current cost of leaving it untreated = (average length of time until athlete's foot heals naturally × average number of times a person gets athlete's foot in their lifetime × (average level of happiness due to foot itchiness, etc., when athlete's foot is present × -1)) The time cost of the ideal state = (Average length of time until athlete's foot heals naturally × Average number of times one gets athlete's foot in a lifetime × (Happiness level when athlete's foot is cured × -1)) The difference after subtracting this value represents the degree of necessity in the case of "Health Maintenance: Skin Disease: Athlete's Foot". The above only shows the difference in "unhealthy time costs" for simplicity. A detailed calculation formula including the cost of achieved work time and the cost of fundraising time will be described later. The system measures the average level of happiness and the time it takes to meet the "appropriate supply level" based on "needs information." To calculate more accurately, the appropriate supply level can also be represented by a formula that measures the change in happiness level. For example, in the case of "Sustaining Life: Eating and Drinking: Drinking Water," the first sip of water when you're thirsty tastes delicious and brings a high level of happiness. However, with each sip, the deliciousness (and thus happiness) decreases, and being forced to drink liters of water beyond the appropriate supply becomes painful. By expressing these changes as mathematical formulas, we can measure happiness more accurately and, based on that, the level of necessity.

[0024] Here, we will explain the degree of necessity for avoiding irreversible situations. An irreversible condition refers to a state that, if left untreated, will result in death or a lifelong disability. The method for calculating the degree of need to avoid this irreversible state is as follows: Current situation time cost = (Average life expectancy at average age of death for the relevant disease × (Happiness level in the state of death × -1)) from Ideal state time cost = (Average remaining lifespan at average age of death from the disease × (Average happiness level while alive × -1)) The difference after subtracting this represents the degree of need to avoid an irreversible state. While it could be argued that the state of death is one in which no feelings are experienced and therefore has a happiness level of 0, we believe it is appropriate to consider the average level of happiness associated with suffering that leads to a desire for death, as well as the length of time the suffering lasts before suicide, as criteria for our calculations. Furthermore, irreversible conditions other than death include situations where limbs or sensory organs cease to function for life. Based on the average level of well-being in such conditions, it becomes possible to similarly measure the need to avoid these irreversible conditions.

[0025] In the case of needs such as "cure for stroke," the amount of time required is measured based on the average age at which the need occurs, such as the average life expectancy of the average age at which stroke occurs. The cost of idle time = Cost of accomplishing work time + Cost of fundraising time + Cost of unhealthy time Below is an example of a specific calculation method for determining the time cost for each. Current idle time cost = Achieving work time cost = (Average time required for end-of-life planning × (Average level of happiness during end-of-life planning × -1) × Probability of death upon stroke) + (Average life expectancy at the average age of stroke × (Average happiness during the time spent suffering from stroke after-effects × -1) × Lifetime probability of developing after-effects at the time of stroke) + (Average time spent exceeding the necessary work time due to the after-effects of cerebral infarction × (Average level of happiness while working with the after-effects of cerebral infarction × -1) × Probability of temporary after-effects at the time of cerebral infarction) Current situation: Cost of time spent leaving things as they are, plus the cost of time spent raising funds = (((Cost incurred upon death ÷ Average hourly wage) × (Average happiness during working hours × -1)) × Probability of death upon stroke) +(((Annual care costs for sequelae of cerebral infarction × Average life expectancy at the average age of cerebral infarction) ÷ Average hourly wage) × (Average happiness level during working hours × -1)) × Lifetime probability of sequelae at the time of cerebral infarction) +(((Annual care costs for stroke sequelae × Average number of years until spontaneous recovery from stroke) ÷ Average hourly wage) × (Average happiness level during working hours × -1) × Probability of temporary sequelae at the time of stroke) Unhealthy time cost of current idle time = (Average life expectancy at average age of stroke onset × (Happiness level in the state of death × -1) × Probability of death at the time of stroke onset) + ((Average life expectancy at the average age of stroke sufferers × (Average happiness level after stroke × -1)) × Lifetime probability of developing sequelae at the time of stroke) +((Average number of years to spontaneously heal from cerebral infarction × (Average level of happiness after cerebral infarction × -1)) × Probability of temporary sequelae at the time of cerebral infarction) These are added together to measure the idle time cost, and the ideal state time cost is subtracted from that value. Ideal state time cost = Achievement work time cost + Fundraising time cost + Unhealthy time cost Therefore, The time cost of achieving the ideal state = Lifetime required to prevent stroke × (Average happiness level during work time for stroke prevention × -1) The time cost of financing in the ideal state = (Lifetime cost required to prevent stroke ÷ Average hourly wage) × (Average happiness level during working hours × -1) Unhealthy time cost = (Average life expectancy at the average age of stroke patients × (Average happiness level while surviving × -1) × Probability of death at the time of stroke) + (Average life expectancy at the average age of stroke sufferers × (Average happiness level while surviving × -1)) × Lifetime probability of developing sequelae at the time of stroke) +(Average number of years to spontaneously heal from cerebral infarction × (Average happiness level while surviving × -1)) × Probability of temporary sequelae at the time of cerebral infarction) Adding these together, The difference in time after subtracting that becomes the degree of necessity.

[0026] Returning to Figure 2, in step S5 of the service information realization analysis, the information processing unit 102 measures the degree to which the new service information can be realized on the announced date as described in the service information. For example, the information processing unit 102 analyzes the realization degree based on the past performance of the relevant business operator and examples of similar technology development, and stores the analyzed value in the "Realization Degree" item of "Service Information" in Figure 4.

[0027] Here, the degree of feasibility is calculated as the probability that the relevant technology or service can be provided by the deadline. The probability of the degree of feasibility is calculated by multiplying the technical feasibility rate (the relevant business can provide the relevant technology or service by the deadline) × the commercial feasibility rate × the rate of securing the necessary infrastructure × the probability that the market will not be taken over by alternative needs. Specifically, for example, the degree of realization can be measured using the following formula. Feasibility = (Technical feasibility × Market acceptance) / (Cost × Risk × Development period) Here, "technical feasibility" refers to the degree to which a new technology is technically feasible, specifically, whether it can be implemented using existing technologies, and what stage of research and development is currently underway. Market acceptance refers to the degree to which the market is likely to accept a technology or service. Market research and user expectations are taken into consideration. It is evaluated on a scale from 1 to 100, where 100 means it is completely feasible and 1 means it is technically very difficult. Cost refers to the costs associated with development and implementation. This cost includes the expenses of implementing the technology and operational costs. For example, when evaluated on a scale from 1 to 100, 100 means that the market is very positively accepting. Conversely, when evaluated on an inverse scale from 1 to 100, 100 means very low cost, and 1 means very high cost. On the inverse scale from 1 to 100, 100 indicates extremely low risk. Risk refers to technical, economic, and social risks. It also includes the possibility of project failure and legal challenges. Development time refers to the time it takes for a technology or service to be implemented. It is on an inverse scale from 1 to 100, where 100 means extremely low risk. Development time refers to the time it takes for a technology or service to be implemented. It is on an inverse scale from 1 to 100, where 100 means it can be implemented in a short period of time. Furthermore, when using the above formula for feasibility, it is important to consider the weight of each element. For example, if the degree of technical feasibility is more important than market acceptance, a higher weight will be applied to the degree of technical feasibility as a coefficient. By conducting test operations and adjusting the coefficients of each parameter to match the actual social situation, it becomes possible to perform evaluations that are more in line with the actual situation.

[0028] In step S6 of the confidence analysis, the information processing unit 102 estimates the missing parts and supplements the confidence level. Based on the amount of estimation and the reliability of the source of the information, the information processing unit 102 stores an appropriate numerical value in the "confidence level" item of each DB. Here, confidence is an indicator that is 100% when definitive values ​​can be collected for all items of each data set, and decreases when estimated values ​​are substituted instead of definitive values ​​for each item. For example, in the case of the needs information "Hobbies: Watching Videos: Anime: Science Fiction" in Figure 3, since the values ​​for each item such as "Demand Quantity," "Demander Distribution," "Appropriate Supply Quantity," "Alternative Needs," "Secondary Utility Needs," "Shortage Status," and "Degree of Need" are collected based on confirmed figures from market statistics, the reliability is "99.9%." In contrast, in the case of needs information shown in Figure 4, since the information is related to future service provision plans, the data collection for each item is estimated based on the business operator's past management performance and the success rate of similar service provision, resulting in a reliability of "94.7%". However, the importance of each item in determining reliability may vary depending on its numerical value.

[0029] In matching step S7, the information processing unit 102 matches service information corresponding to various needs information and updates a matching list DB, such as the one shown in Figure 5, if one already exists, or creates a new one if one does not. Furthermore, the service information corresponding to the needs information is diverse. For example, the information processing unit 102 creates a "matching list" for each type of "service information" that can satisfy the needs of the "needs information," such as "alternative needs," "secondary utility needs," and "deficiency states," and updates the relevant section if one already exists. Specifically, for example, in response to a need such as "hydration: drinking water," the service information includes numerous options such as "water supply services," "residential equipment: private well water pumps," and "residential equipment: rainwater harvesting equipment." Different versions with equivalent functionality, as well as products from other companies, are also stored in the matching list. Furthermore, for example, the service information provided by a water utility can be numerous. In addition to "hydration: drinking water," it can also include "hygiene management: bathing: at home," "health maintenance: skin disease prevention," and "hobbies: gardening," fulfilling multiple needs and thus becoming data stored in a separate matching list. For example, the information on the matching list changes depending on the service area. A matching list like the one shown in Figure 5, representing as many combinations as possible, is generated in step S7.

[0030] For example, the information processing unit 102 compares the "need name" in the needs information with the "service name" in the service information to check whether a service corresponding to the need is provided. More specifically, for example, the service information "Video Streaming: Anime: Sci-Fi: Japanese with subtitles in various languages," which corresponds to the needs information "Hobbies: Watching videos: Anime: Sci-Fi," is a service that satisfies the needs and is therefore included in the matching list. In this case, multiple services often match a single need. In the case of watching videos, not just one company but many other companies often offer similar services, and in addition to online streaming, users can also rent videos or purchase them to watch. These are each registered as separate services. Therefore, the information processing unit 102 registers all of these services that satisfy the needs as a separate matching list.

[0031] In step S8 of the "Value For Time" measurement, the information processing unit 102 compares the time cost required for the matching list service created up to step S7 to satisfy the needs information with the time cost of the most frequently used existing business within the service area. The information processing unit 102 then measures the difference in the comparison result by measuring it once per person, per person per year, and multiplying it by the number of users.

[0032] Here, we will explain "Value For Time" below.

[0033] "Value For Time" refers to the following: (1) (1) Value For Money, a commonly used indicator in economics, is measured by the difference between the costs of existing businesses and the costs of new businesses. (See left side of Figure 6) In contrast, the "Value For Time" proposed by the originator is measured by the difference between the time costs of existing businesses and the time costs of new businesses. (See Figure 8)

[0034] Here, time cost refers to the time required from the moment a need is desired until that need is fulfilled. Time cost can be calculated as: Time cost = Number of hours required × (Happiness level × -1). In this specification, happiness is defined as a numerical value that represents how happy or unhappy people in a given category feel in terms of the time it takes to achieve various needs.

[0035] One way to measure happiness is by measuring the amount of stimulation to the pleasure center. It is known that when a person feels happy, the pleasure center is stimulated, and when they feel unhappy, the displeasure center is stimulated. When each center is stimulated, the type of brainwaves changes, and the strength of the brainwaves also changes depending on the amount of stimulation. This type and amount of brainwaves can be measured as a measure of happiness. Alternatively, the secretion of various pleasure-inducing and displeasure-inducing hormones can be measured as a measure of happiness. Furthermore, it is likely that happiness can be measured numerically through questionnaires and psychological tests. While some argue that pleasure and happiness are not the same, even when performing acts of "unconditional love," the brain experiences pleasure in doing so. For example, a parent's selfless devotion to their child, without expecting anything in return, is also driven by the brain's pleasure. Therefore, it can be argued that happiness can be measured by the intensity of the pleasure or discomfort experienced. The time measured in this case is the time it takes to reach the "appropriate supply level" of "needs information." Alternatively, time can be measured by the increase or decrease in happiness levels according to the formula for the "appropriate supply level." One example of a baseline for happiness is setting a state of feeling nothing as 0% happiness, and the happiness level while performing an average-paying job (labor) as -100%. Once this baseline is established, the happiness level of various activities can be calculated by dividing the price of the goods, experiences, or services paid for by the average hourly wage and the number of hours spent. The majority of happiness levels can be measured using the happiness level while working as a baseline. However, for happiness that cannot be measured in money, for example, death can be used as a baseline to measure happiness based on activities that are desired even if they involve pain or the risk of death that would make one want to commit suicide. For example, driving a car increases the risk of dying in a traffic accident. People drive because they decide that the benefits outweigh the risk of death. Even if a fighter's remaining decades of life could be lost in a match, if they dedicate everything to that one hour of fighting, the happiness level is commensurate with the risk. Alternatively, basic tasks that most people perform to maintain daily life, such as cleaning, can also be used as baseline values. Conversely, basic levels of happiness that many people experience, such as when satisfying hunger, quenching thirst, taking a bath, or falling asleep, can also be used as baseline values. Based on these baseline values, it becomes possible to measure various levels of happiness.

[0036] The method for calculating "Value For Time" is as shown in (2) below. (2) Calculation method Time costs are calculated by separating them into the work time, fundraising time, and unhealthy time spent on the relevant project. The calculation method is as shown in the following formula. "Value For Time" = (Time spent achieving tasks in existing projects × (Satisfaction level during time spent achieving tasks in existing projects × -1) + Time spent raising funds for existing businesses × (Happiness level during time spent raising funds for existing businesses × -1) + Unhealthy hours in existing businesses × (Happiness level of unhealthy hours in existing businesses × -1)) -(Time spent on completing the new project × (Satisfaction level during the time spent on completing the new project × -1) + Time spent raising funds for a new business × (Happiness level during the time spent raising funds for a new business × -1) + Unhealthy hours spent on the new business × (Happiness level during unhealthy hours spent on the new business × -1)

[0037] An example of "Value For Time" is shown in (3) below. (3) Examples For example, when evaluating the value of infrastructure such as water supply using "Value For Time," the "Value For Time" is calculated as follows: In other words, the value of a water supply business lies in reducing the time it takes from the desire to use water to actually being able to use it. To measure this time difference, the existing business is treated as a state without water, and the state with complete water infrastructure is treated as the state of the new business. The information processing unit 102 measures the difference in total time for achieving work time, fundraising time, and unhealthy time of the new business from the total time for achieving work time, fundraising time, and unhealthy time of the existing business, based on the following formulas. (See Figure 9) • Achieving work time for existing tasks = (Time spent going to the water source with a bucket × Total number of times going to the water source with a bucket × (Happiness level during the time spent going to the water source with a bucket × -1)) + (Time spent hydrating × (Happiness level during the time spent hydrating × -1)) • Time spent raising funds for existing businesses = (Cost of going to the water source to fetch water in a bucket × Total number of times going to the water source to fetch water in a bucket) ÷ Average hourly wage × (Happiness during working hours × -1) • Unhealthy hours in existing operations = Unhealthy hours before water supply construction × Number of users × (Happiness level during unhealthy hours × -1) • Time required to complete a new project = (Time spent drawing water from the tap × Total number of times water is drawn from the tap × (Happiness level during the time spent drawing water from the tap × -1)) + (Time spent consuming fluids × Total number of times fluids are consumed × (Happiness level during the time spent consuming fluids × -1) • Time required to raise funds for a new business = Water supply construction and maintenance costs ÷ Average hourly wage × (Work satisfaction × -1) • Unhealthy hours during a new business = Unhealthy hours after water supply construction × Number of users × (Happiness level during unhealthy hours × -1) Therefore, the "Value For Time" of water is calculated using the following formula. Water supply's "Value For Time" =(((Time spent going to the water source with a bucket × Total number of times going to the water source with a bucket × (Happiness level during the time spent going to the water source with a bucket × -1)) + (Time spent drinking water × (Happiness level during the time spent drinking water × -1))) + ((Cost of going to the water source to fetch water in a bucket × Total number of times going to the water source to fetch water in a bucket) ÷ Average hourly wage × (Happiness during working hours × -1)) +(Unhealthy hours before water supply construction × Number of users × (Happiness during unhealthy hours × -1))) ―(((Time spent drawing water from the tap × Total number of times water is drawn from the tap × (Happiness level during the time spent drawing water from the tap × -1)) + (Time spent consuming fluids × Total number of times fluids are consumed × (Happiness level during the time spent consuming fluids × -1))) +((Water supply construction and maintenance costs ÷ Average hourly wage) × (Working-related happiness × -1)) +(Unhealthy hours after water supply construction × Number of users × (Happiness level during unhealthy hours × -1)))

[0038] Here, the happiness level is calculated by inputting the happiness level of various actions, as shown in Figure 3, "Needs Information" and "Necessity," into the "Happiness Level" field of "Needs Information." The happiness level when using the relevant service increases or decreases depending on the "Evaluation" value of the matched "Service Information." In the example of water supply construction mentioned above, the "need" and "appropriate provision time" for "labor reduction: physical labor: water fetching" in the "needs information" of Figure 4 are read, and if the number of hours exceeds these, happiness deteriorates. The "appropriate supply quantity" section incorporates formulas such as the law of diminishing returns, allowing for the measurement of the amount of time spent feeling uncomfortable, and thus the negative value of happiness. The time cost of fundraising also reflects the happiness levels of various working hours when calculating the "appropriate amount to provide" and "degree of necessity" of the "labor reduction" data corresponding to the "needs information" in Figure 3. Tasks like fetching water can be enjoyable during short periods of time while camping, but if you camp every day, it ceases to be a leisure activity. This illustrates how happiness is measured by the "appropriate amount of resources provided" and the amount of labor required that exceeds it. Furthermore, happiness levels vary depending on the category of the consumer. For example, a consumer who enjoys dance performance as a hobby might invest dozens of hours of practice time—a significant cost of effort—in training for a five-minute performance. For them, those five minutes of performance are so important that they outweigh the unhealthy time cost of a knee injury, and the labor time required to cover lesson fees, studio fees, and transportation costs. Therefore, the happiness derived from the performance time is thousands of times greater than the happiness derived from the time cost of achievement. The happiness derived from the time cost of achievement essentially represents the value of time spent in self-actualization.

[0039] The meaning of "Value For Time" is as shown in (4) below. (4) Significance Traditional Value For Money methods could only measure the difference in costs. In contrast, "Value For Time" can measure costs not only as the difference in labor hours required for fundraising, but also as the difference in time spent achieving user convenience, and as the difference in time spent on unhealthy activities such as environmental conservation and improved sanitation. This allows for a broader measurement of benefits for society as a whole and is expected to guide economic activity in the direction described below. For example, the benefits that can be measured as a reduction in the time it takes to complete a task can be directed towards areas such as improving regulations, providing relief to refugees, guaranteeing human rights, and developing infrastructure. For example, the benefits that can be measured as a reduction in fundraising time can be directed towards the elimination of budget constraints, lower prices, higher hourly wages, improved skills, technological innovation, and the proper allocation of resources. The measurable benefits of reducing unhealthy time can be directed towards improved health, peace, hunger eradication, prevention of accidents, incidents, and disasters, and environmental cleanup.

[0040] Here, we introduce a peer-reviewed paper that describes the underlying technology of "Value For Time" applied to embodiments of the present invention. <Peer-reviewed paper> Tetsuya Oshima (2021) "Value For Time: The Impact of Policies Incentived to Extend Leisure Time as Seen in Changes to the Medical Fee System" *International Public Economic Studies*, No. 32 Furthermore, to clearly distinguish the "Value For Time" described in this paper from the "Value For Time" applied to the embodiments of the present invention, we will refer to it as "Value For Time (peer-reviewed paper)" below. This paper uses the medical fee system as a model to demonstrate that policies that incentivize extending "Value For Time" (peer-reviewed papers) can correctly guide economic activity toward improving the interests of consumers and society as a whole while increasing the profits of capitalists. Furthermore, the discussion chapter of this paper states the following: In other words, pursuing "Value For Time (peer-reviewed papers)" ultimately leads to an improvement in the quality of life for consumers and stimulates the economy. For example, the fact that GAFA's market capitalization is at an all-time high is evidence that people are seeking "Value For Time (peer-reviewed papers)." Google® creates "Value For Time (peer-reviewed papers)" by shortening the time spent researching, Amazon® creates "Value For Time (peer-reviewed papers)" for shopping, Facebook® for social connections, and Apple® for content, all at high values. The author believes that by providing each service cheaply and in a user-friendly format, more people are utilizing that "Value For Time (peer-reviewed papers)" and purchasing the services, which is why GAFA's market capitalization is at an all-time high. Conversely, by focusing only on Value For Money = cost reduction, Japanese companies' retained earnings reached an all-time high, but the impact of not providing incentives for "Value For Time (peer-reviewed papers)" was significant. Specifically, this refers to the relocation of many factories overseas since 1990. The author believes that this resulted in the outflow of technology, which is the source of "Value For Time" (peer-reviewed papers), and consequently, a decline in market capitalization and Japan's overall GDP, as well as a deterioration of the employment environment. In fact, Japanese bookstores, video rental stores, and retail stores that failed to provide consumers with "Value For Time" (peer-reviewed papers) as GAFA have been forced to close down. This "Value For Time" theory (peer-reviewed paper) will be used to measure the value of a business, predict future crowd behavior, and create a system to make investments that maximize profits. Furthermore, the "Value For Time" calculation formula applied to this invention differs from the "Value For Time (peer-reviewed paper)" formula in that it redefines "preparation time cost" to "achievement work time cost" in order to calculate the time spent on positive self-actualization, and adds the concept of "happiness level" to each time cost. In other words, the "Value For Time" applied to this invention is novel compared to "Value For Time (peer-reviewed paper)". The greatest technical significance of this approach lies in the fact that by adding the concept of "happiness," we can now numerically measure people's happiness based on the quantity and quality of their time. With mere free time, it was impossible to distinguish between idle time and time spent engaging in self-actualization and fulfillment. By adding the concept of happiness, it becomes possible to measure what people truly desire, and to use this to predict and control people's future, stock prices, and the future of society. This is the technical significance. Furthermore, the very act of systematizing the theory of "Value For Time (peer-reviewed paper)" is significant in itself.

[0041] Furthermore, the measurement of "Value For Time" will be explained below. "Value For Time" can be measured based on the time cost of existing businesses minus the time cost of new businesses. In this context, "existing businesses" refer to the services that currently have the most users among those that meet the needs. "New businesses" refer to the services that were matched in step S7 described above. For example, taking the first row of the matching list, "Anime: Sci-Fi," the existing business is the video rental business of "XX Rental Video Co., Ltd." As mentioned above, time cost = cost of time spent on accomplishing tasks + cost of time spent raising funds + cost of time spent in an unhealthy environment, so it works as follows. The time and cost of achieving tasks in existing businesses can be measured, for example, as follows: (Time spent watching sci-fi anime × (Happiness level while watching sci-fi anime × -1)) + (Time required to rent and return DVDs from a video rental store × (Happiness level during the time required to rent and return DVDs from a video rental store × -1) +(Time spent searching for DVDs in the store × (Happiness derived from the time spent searching for DVDs in the store × -1)) + (Time spent inquiring about the return date if the item is already borrowed × (Happiness level during the time spent inquiring about the return date if the item is already borrowed × -1)) + ((Time spent going to another store or to rent again at a later date because the desired sci-fi anime is not available × (Happiness level from the time spent going to another store or to rent again at a later date because the desired sci-fi anime is not available × -1) × Probability that the desired content is not available) + ((Time spent applying for membership at a video rental store × (Happiness level during the time spent applying for membership at a video rental store × -1)) ÷ Rate of renting sci-fi anime at a video rental store) The time cost of fundraising for existing businesses can be measured, for example, as follows: ((Video rental fee + late fees + expenses such as transportation to the store) ÷ Average hourly wage) × (Happiness level of working hours for fundraising × -1)) Unhealthy time costs in existing operations can be measured, for example, as follows: (Time spent feeling unwell due to watching too many DVDs × (Happiness level for the number of hours spent feeling unwell due to watching too many DVDs × -1)) + (Time spent feeling stressed about late fees × (Happiness level during the time spent feeling stressed about late fees × -1)) Furthermore, the new business in this case is video distribution via an online channel. Therefore, the time cost of the new business is measured as follows: Time cost of a new business = Cost of time spent on achieving results + Cost of time spent on fundraising + Cost of time spent on unhealthy activities Here, the time cost of achieving a new business can be measured, for example, as follows: (Time spent watching sci-fi anime × (Happiness level while watching sci-fi anime × -1)) +(Time spent searching for favorite sci-fi anime videos × (Happiness level during the time spent searching for favorite sci-fi anime videos × -1) + (Time spent setting up the computer ÷ Computer usage rate for that need) × (Happiness level during the time spent setting up the computer × -1)) + (Time spent setting up the internet environment ÷ Internet usage rate for that need) × (Satisfaction level during the time spent setting up the internet environment × -1)) The time cost of fundraising for a new business can be measured, for example, as follows: (((Internet channel usage fee + (Internet fee ÷ Percentage of internet usage time spent watching sci-fi anime) + (Electricity bill ÷ Percentage of total electricity bill spent watching sci-fi anime)) ÷ Average hourly wage) × (Happiness level of working hours for fundraising × -1)) The unhealthy time costs of a new business can be measured, for example, as follows: ((Time spent feeling unwell due to excessive internet channel viewing × (Happiness level for the number of hours spent feeling unwell due to excessive internet channel viewing × -1)) Therefore, when combined into a single equation, it becomes as follows: The Value For Time of the Internet Channel business = (((Time spent watching sci-fi anime × (Happiness level while watching sci-fi anime × -1)) +((Time required to rent and return a DVD from a video rental store × (Happiness level during the time required to rent and return a DVD from a video rental store × -1)) +((Time spent searching for DVD(registered trademark) in the store × (Happiness derived from the time spent searching for DVD(registered trademark) in the store × -1)) +((Time spent inquiring about the return period if the item is already borrowed × (Happiness level of the time spent inquiring about the return period if the item is already borrowed × -1)) + ((Time spent going to another store or to rent again at a later date because the desired sci-fi anime is not available × (Happiness level from the time spent going to another store or to rent again at a later date because the desired sci-fi anime is not available × -1) × Probability that the desired content is not available) +((Time spent applying for membership at a video rental store × (Happiness level during the time spent applying for membership at a video rental store × -1)) ÷ Rate of renting sci-fi anime at a video rental store))) + ((Video rental fee + late fees + expenses such as transportation to the store) ÷ Average hourly wage) × (Happiness during working hours for fundraising × -1)) +(Time spent feeling unwell due to watching too many DVDs × (Happiness level for the number of hours spent feeling unwell due to watching too many DVDs × -1)) +(Time spent feeling stressed about late fees × (Happiness level during the time spent feeling stressed about late fees × -1))) -((Time spent watching sci-fi anime × (Happiness level while watching sci-fi anime × -1)) +(Time spent searching for your favorite sci-fi anime videos × (Happiness level from searching for your favorite sci-fi anime videos × -1) + (Time spent setting up the computer ÷ Computer usage rate for that need) × (Satisfaction level during computer setup × -1)) + (Time spent setting up the internet environment ÷ Internet usage rate for that need) × (Satisfaction level during the time spent setting up the internet environment × -1)) +(((Internet channel usage fee + (Internet cost ÷ Percentage of internet usage time spent watching sci-fi anime) + (Electricity cost ÷ Percentage of total electricity cost spent watching sci-fi anime)) ÷ Average hourly wage) × (Happiness level of working hours for fundraising × -1)) +((Time spent feeling unwell due to excessive internet channel viewing × (Happiness level for the number of hours spent feeling unwell due to excessive internet channel viewing × -1)) Since computers are typically used for a variety of purposes, such as creating work documents or playing games, the setup time for a computer is calculated based on the percentage of time spent setting up the computer for that specific need. This percentage is then added as the time spent completing the setup for that particular need. All other services, such as internet setup, are calculated in the same way.

[0042] Returning to the flowchart in Figure 2, in step S9 of crowd behavior prediction, the information processing unit 102 performs crowd behavior prediction. Since people use services with "Value for Time," it is expected that they will use services with a high "Value for Time" as measured in step S7 above. Furthermore, the information processing unit 102 predicts and measures which service users will transition to from which service based on the number of users supplied, the maximum number of users that can be supplied, the degree of feasibility, etc., as shown in the "Service Information" in Figure 4, and inputs the prediction results into the "Crowd Behavior Prediction" in the "Matching List" in Figure 5.

[0043] Specifically, let's say an internet service provider announces a new service offering optical communication that enables inexpensive, stable, and high-capacity data communication. This system collects information from Shinko Tsushin Service through steps such as "Information Acquisition Step S1," and stores the appropriate information in each data database through processing steps S2 to S6. As a result, it is predicted that, based on the "User Requirements" and "Provider Requirements" sections of the "Service Information," video streaming services previously did not meet the "User Requirements," resulting in a bottleneck of low data transfer volume, poor image quality on small screens, and frequent buffering, thus failing to meet user needs. However, with this new optical communication service, the threshold for the "User Requirements" will be exceeded, allowing users to enjoy video quality comparable to watching videos on DVD (registered trademark). Then, in the "Matching List" in Figure 5, "Service Name" and "◎◎Net Channel:Hobbies:Video Streaming:Anime:SF:Japanese" are matched as services that satisfy the desire of "Hobbies:Watching Videos:Anime:SF:Japanese" in "Service Name," and the difference in time cost is measured compared to "×× Rental Video," the "Existing Business" with the most users who have been enjoying videos until now. The time cost of going to and from a video rental store, the time spent working to earn the rental fees and transportation costs, and the time spent worrying about late fees if the videos aren't returned by the due date, is measured, and the difference between this and the time cost of using a video streaming service, the time saved by being able to watch videos anytime with a single click during spare moments, and the stress-free time saved, is entered into the "Value For Time" field. People will use services that offer significant "Value for Time," so it is predicted that demand will shift from video rental stores to online streaming services. Furthermore, the probability and timing of this service switch are predicted based on the date each "service information" provider announces it will begin providing the service. This prediction is then stored in the "crowd behavior prediction" database, taking into account factors such as the "likelihood of realization" and the "confidence level" of the estimated values.

[0044] Here, as a concrete example, let's consider the "number of new customers acquired" as an example of "crowd behavior prediction" in a case where the service area of ​​the business in question overlaps with existing businesses A through C. The number of new customers acquired can be measured, for example, as follows: Number of new customers acquired = New customer acquisition coefficient α × (1 - (Time cost per person for the relevant business × Degree of feasibility of the relevant business) ÷ (Time cost per person for existing business A × Degree of feasibility of existing business A) × Number of demanders within the business scope of the new and old businesses) + New customer acquisition coefficient α × (1 - (Time cost per person for the new business × Success rate of the new business) ÷ (Time cost per person for the existing business B × Success rate of the existing business B) × Number of demanders within the business scope of the new and old businesses) + New customer acquisition coefficient α × (1 - (Time cost per person for the new business × Success rate of the new business) ÷ (Time cost per person for the existing business C × Success rate of the existing business C) × Number of demanders within the business scope of the new and old businesses) In this example, using the first row of the matching list, the number of new customers acquired is measured based on how much time and cost savings can be achieved by comparing the most frequently used service within each existing business—rental video store A, rental video store B, and DVD (registered trademark) mail-order business C—with the video distribution of "Net Channel," as well as the number of users.

[0045] Returning to the flowchart in Figure 2, in step S10 of the change adjustment analysis, the information processing unit 102 analyzes how the "Value For Time" of the matching list measured above affects the related services. For example, in the case of water supply services, the demand for "User-side required environment," "Provider-side required services," and "Related services" in the "Service Information" section of Figure 4 should increase in conjunction. The introduction of water supply is expected to lead to population growth, which in turn should change the needs for related services. These changes and adjustments are made, and the "Crowd Behavior Prediction" in the "Matching List" of Figure 5 is adjusted accordingly.

[0046] Specifically, for example, the information processing unit 102 can predict, based on the crowd behavior prediction results in step S9, that sales for tenant companies that rented out videos to video rental stores will decrease. The information processing unit 102 records these changes and adjustments in the upstream and downstream business databases of the supply chain. For example, let's say an internet communication company announces a new service that provides an inexpensive, stable, and high-capacity optical communication service, as required by the "User-side requirements" and "Provider-side requirements" in the "Service Information" section. Let's assume that this system collects information on the new optical communication service through steps such as information acquisition S1, and then appropriately stores this collected information in each data database through processing steps S2 to S6. In this case, based on items such as "User-side required environment" and "Provider-side required environment" in the "Service Information," it is predicted in step S10 that the video streaming service previously did not meet the "User-side required environment," resulting in a bottleneck of low data transfer volume, poor image quality on small screens, and frequent buffering, thus failing to meet the needs for image quality. However, with this new optical communication service, the threshold for the "User-side required environment" will be exceeded, allowing users to enjoy video quality comparable to watching videos on DVD (registered trademark). Furthermore, changes in the employment environment due to changes in "Provider-side required working hours" are also predicted in step S10. Furthermore, users may shift to services that provide "alternative needs" for the "needs information." Thus, in step S10, for example, the information processing unit 102 estimates the impact that a change in one business will have on a different business due to changes in the upstream and downstream of the supply chain and their interrelationships, and writes into the "Crowd Behavior Prediction" of the "Matching List DB" how much the number of customers and sales will change and by when.

[0047] In step S11 of the business performance forecasting process, the information processing unit 102 performs the business performance forecasting. The predictions described above are for each subdivided service, and typically businesses offer multiple services. Therefore, the information processing unit 102 inputs the estimated value of the integrated profit fluctuation for each business into the "Profit Fluctuation Business" item in the "Matching List" in Figure 5.

[0048] In step S12 of the value fluctuation investment prediction process, the information processing unit 102 inputs the value fluctuation investment targets for each matching list into the "Value Fluctuation Investment Targets" column of the "Matching List" in Figure 5. If the amount of data is too large and processing becomes slow, priority will be given to inputting investment data with high volatility.

[0049] In step S13, "Are the businesses aware?", the information processing unit 102 checks whether the businesses providing services to meet the needs of the matching list mentioned above are aware. The information processing unit 102 makes its decision by referring to the "Services," "Affiliated Businesses," and "Transaction Businesses" in the "Business Information" section of Figure 6, as well as by inferring from big data news.

[0050] Specifically, for example, in the first row of the matching list, Japanese anime science fiction has a large potential demand in the Arabic-speaking world, yet it misses out on business opportunities by not distributing it with Arabic dubbing or subtitles. Alternatively, even if a company creates a great technology or service, it may not achieve the expected sales due to difficulties in practical application, commercialization at a cost that generates profit, or sales. In some cases, the company that developed the technology or service may not even be aware of the potential demand for it. For example, a Japanese company called TDK developed a paint that absorbs magnetism. TDK developed this technology to improve the sound quality of cassette recorders, but the U.S. Department of Defense purchased the patent, and it is now used as paint on stealth fighter jets. Companies that develop technologies and services often utilize them only from the perspective of their own business, sometimes overlooking potential needs and markets. For example, the news that Toppan Printing changed its name to "Toppan" might lead one to conclude that the company has a higher chance of providing services to industries other than printing. If these values ​​are below a certain threshold, the result is NO, and the process proceeds to step S19 of report generation. The predictions based on the matching list so far have proven inaccurate, and existing services will be used, but this indicates a hidden business opportunity. If, despite these potential needs, there are no technological investments or business partnerships to provide those services, the result will be "NO," and the process will proceed to step S19 of the report creation. If there is movement, the result is determined to be YES, and the process proceeds to step S14, which asks, "Are there any other possibilities?"

[0051] In step S14, "Are there other possibilities?", the processes from steps S7 to S13 are repeated until a "matching list" of all patterns affected by the current change is created. A deadline is set as a threshold to avoid missing business opportunities. If the threshold is exceeded or if the measurement of all "matching lists" is completed, the system determines NO and proceeds to step S15 of the highest profit settlement analysis.

[0052] In step S15 of the maximum profit settlement analysis, the information processing unit 102 measures the difference between the data in the "Value Fluctuation Investment Targets" section of Figure 5 and the stock price in the "Stock Information" section of Figure 7 to analyze when and how to make an investment settlement that will yield the highest profit. At this time, all available financial technologies will be used. Although not shown in the diagram, similar processing will be performed on "real estate information," "resource information," and "crowdfunding information." If there are other potential investment targets, we will increase the number of corresponding investment target databases and perform similar processing.

[0053] In the investment settlement step S16, the information processing unit 102 either automatically performs the actual investment settlement in each investment market or reports it to the administrator or user, according to the analysis in the previous step. Although not shown in Figure 1, the system will be linked to a banking system so that necessary funds can be withdrawn from the account and profits earned from investments can be deposited appropriately.

[0054] In step S17, the "Was it as expected?" step, the information processing unit 102 checks whether the results of the investment settlement and the series of expected events unfolded as predicted. If the system's prediction differs from the predetermined threshold, it will be judged as YES and the process will terminate (END). In contrast, if the difference between the prediction and reality exceeds a threshold, the result is determined to be NO, and the process moves to step S18 of the prediction difference analysis.

[0055] In step S18 of the prediction discrepancy analysis, the information processing unit 102 analyzes where the discrepancies between reality and predictions lie. The information processing unit 102 analyzes the parts where the prediction was incorrect. For example, if the prediction was wrong because a certain service was delayed from the date announced by the company, the information processing unit 102 determines that the "Degree of Realization" data in the "Service Information" section of Figure 4 should be revised downwards because it was too high, and then corrects the corresponding section in each database based on the analysis results. This allows for continuous improvement of the prediction accuracy.

[0056] In step S19 of the report creation process, the information processing unit 102 creates a report on the extent of potential needs for areas that were corrected in step S18, areas where prediction errors could not be identified despite analysis, and cases where the prediction was incorrect because the business operator did not provide the service despite a YES answer in step S13 regarding whether the business operator was aware of the issue. These areas represent high-value business opportunities and areas for improvement. The information processing unit 102 also creates a report on the overall accuracy of the prediction.

[0057] This system stores the needs of all humanity and comprehensively covers matching lists of needs with services that meet them, enabling it to provide appropriate advice on overlooked needs and markets. Even if predictions are inaccurate due to issues such as low-cost commercialization that can generate profits, or sales-related problems, the system, with its stored service information for all humanity, can advise relevant companies on resolving bottlenecks, such as partnering with companies to address them. Even if stock price predictions are inaccurate and do not reach the predicted amount by the expected date, resolving these bottlenecks allows the technology and services to be utilized to their fullest potential, potentially improving stock prices and generating profits, even if the timing is later than predicted. Even if the developing company does not adopt the system's advice, it can be marketed to rival companies, ensuring profitability either way.

[0058] In step S20 of the report transmission process, the information processing unit 102 transmits the report created in step S19 according to the member type and whether the user is an administrator as entered in the "User Information DB". For example, internal processing matters can be decided to be sent only to administrators, and business opportunities or improvement suggestions, such as those related to potential needs that are being overlooked, can be sent with adjusted scope and timing depending on the member type. When the process in step S20 is completed, the process ends (END).

[0059] Note that the steps shown in Figure 2 are just examples, and the order can be rearranged, added, or changed.

[0060] Although one embodiment of the present invention has been described above, the present invention is not limited to the embodiments described above, and any modifications, improvements, etc. that can achieve the objectives of the present invention are considered to be included in the present invention.

[0061] For example, the configurations and flows shown in Figures 1 and 2 are merely illustrative examples for achieving the objectives of the present invention and are not particularly limiting.

[0062] Furthermore, the series of processes described above can be executed by hardware or by software. Furthermore, a single functional block may consist of hardware alone, software alone, or a combination of both.

[0063] When a series of processes are executed by software, the programs that make up that software are installed on a computer or other device from a network or storage medium. The computer may be a computer that is built into dedicated hardware. Furthermore, a computer can be any computer capable of performing various functions by installing various programs, such as a server, a general-purpose smartphone, or a personal computer.

[0064] Such recording media containing programs consist not only of removable media (not shown) distributed separately from the main unit of the device to provide the program to the user, but also of recording media provided to the user in a state where they are pre-installed in the main unit of the device.

[0065] In this specification, the step of describing a program to be recorded on a recording medium includes not only processes that are performed chronologically in that order, but also processes that are not necessarily performed chronologically, but are executed in parallel or individually. [Explanation of Symbols]

[0066] 001...Network, 002...Big Data, 003...Stock Market System, 004...Real Estate Market System, 005...Resource Market System, 006...Crowdfunding System, 100...System Server, 101...Information Acquisition Unit, 102...Information Processing Unit, 110...Recording Unit, 111...Needs Information, 112...Service Information DB, 113...Matching List DB, 114...Business Operator Information DB, 115...Stock Information DB, 116...Real Estate Information DB, 117...Resource Information DB, 118...Crowdfunding DB, 119...User DB, 200...Administrator Terminal, 300...User Terminal, 999...Automated Investment System

Claims

1. An information processing system comprising a measurement means that calculates the time cost required to achieve the objective for each of a comparable business and a competitor business, and generates a quantified index by measuring the value of the comparable business based on the difference in said time costs, wherein the time cost is calculated based on the required number of hours and the level of happiness.

2. The information processing system according to claim 1, further comprising a matching means for matching one or more predetermined needs information and one or more predetermined service information based on one or more needs information containing one or more human desires and one or more service information containing businesses that can satisfy at least a part of the desires, wherein the measuring means generates the index using the business stored in the service information matched by the matching means as the comparison business.

3. The information processing system according to claim 2, further comprising a crowd behavior prediction means for measuring a crowd behavior prediction, which is a prediction of which service use people will transition from to which service use, based on the matching results by the matching means and the indicators.

4. The information processing system according to claim 3, further comprising: an information processing system that performs analysis on information including stock price information, real estate information, and resource information based on the crowd behavior prediction, the service information, and the business information of the business operator providing the service; determines an investment transaction that will yield the highest possible profit based on the results of the analysis; and a settlement means for settling said investment transaction.

5. The information processing system according to claim 3, further comprising a reporting means for reporting business opportunities or improvement proposals to a business operator based on a set of information including at least the crowd behavior prediction, the service information and business operator information of the business operator providing the service, and information of related companies.

6. The information processing system according to claim 3, further comprising: accuracy checking means for checking the accuracy of the crowd behavior prediction based on the difference between the crowd behavior prediction and reality; and accuracy improving means for improving the prediction accuracy of the crowd behavior prediction means based on the check results by the accuracy checking means.

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