Information processing 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

Information Processing Systems

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

[0002] For example, existing automated investment systems are known that automate or support appropriate investments using data based on past business evaluations of target companies or forecasts made by people who are considered to be competent at predicting stock prices (see, for example, Patent Document 1).

[0003] Furthermore, the present inventor has demonstrated in an economics paper (Non-Patent Document 1) that it is possible to induce economic activity, that is, crowd behavior, by using an index called "Value For Time." Note that the "Value For Time" described in this economics paper will be referred to as "Value For Time (paper)" in order to clearly distinguish it from the value calculated by the information processing system to which the present invention is applied (described below).

[0004] Patent Application No. 2003-273308

[0005] <Peer-reviewed article> Tetsuya Oshima (2021) "Value For Time: The impact of policies that provide incentives to extend free time as seen in changes to the medical fee system," International Public Economics Journal, No. 32

[0006] For example, conventional automated investment systems such as those described in Patent Document 1 select investment targets by focusing on factors such as the operating profits and amount of retained earnings of target companies. However, while these systems may have been able to accurately assess past performance to a certain extent, they have difficulty accurately predicting the future performance of target companies. Furthermore, data based on stock price fluctuations predicted by many people who are already considered to be skilled at stock price prediction often indicates that stock prices have already risen. Needless to say, to make a profit from stock trading, you need to buy low and sell high. Accurately predicting future performance as quickly as possible is crucial for stock investment. However, AI has difficulty accurately predicting the value of a company's planned future business. Therefore, humans have had to rely on years of intuition to predict new technological developments, new services, and changes in management policies of target companies.

[0007] The present invention was made in light of these circumstances, and aims to quantitatively measure the value of a business. By achieving this objective, it will be possible to, for example, predict crowd behavior, appropriately automate or support investments with the highest possible profits regardless of the user's skill level, and report previously unseen business opportunities.

[0008] In order to achieve the above object, an information processing system according to one embodiment of the present invention is provided with a "Value For Time" measurement means for numerically measuring the "Value For Time" that indicates the value of a business based on the difference in time costs between an existing business and a new business, the number of users, and the happiness level of the time.

[0009] This invention allows us to maximize profits from stock trading by enabling not only past business evaluations but also future business evaluations. Furthermore, we can continue to improve society as a whole by properly evaluating all businesses and improvement plans that have been left unnoticed and that will benefit society as a whole, in the direction of reducing time and costs, and thus improving people's quality of life, and by raising funds.

[0010] FIG. 1 is a block diagram of an example of a business evaluation and automatic investment system measured in time, as an embodiment of the information processing system of the present invention. FIG. 2 is a flowchart showing an example of processing executed by the system of FIG. 1. FIG. 3 is a diagram showing an example of service information data. FIG. 4 is a diagram showing an example of service information data. FIG. 5 is a diagram showing an example of service information data. FIG. 6 is a diagram showing an example of service information data. FIG. 7 is a diagram showing an example of needs information data. FIG. 8 is a diagram showing an example of needs information data. FIG. 9 is a diagram showing an example of matching list data. FIG. 10 is a diagram showing an example of matching list data. FIG. 11 is a diagram showing an example of business operator information data. FIG. 12 is a diagram showing an example of business operator information data. FIG. 13 is a diagram showing an example of stock information data. FIG. 14 is an explanatory diagram of Value For Time. FIG. 15 is a schematic diagram of measuring the value of a waterworks business using Value For Time.

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

[0012] Here, FIGS. 3A to 3D show an example of needs information, which will be described later. Hereinafter, FIGS. 3A to 3D will be simply referred to as "FIG. 3" without any particular distinction. Similarly, FIGS. 4A and 4B show an example of service information, which will be described later. Hereinafter, FIGS. 4A to 4B will be simply referred to as "FIG. 4" without any particular distinction. Hereinafter, FIGS. 5A and 5B show an example of a matching list, which will be described later. Hereinafter, FIGS. 5A to 5B will be simply referred to as "FIG. 4" without any particular distinction. Hereinafter, FIGS. 6A and 6B show an example of business information, which will be described later. Hereinafter, FIGS. 6A to 6B will be simply referred to as "FIG. 6" without any particular distinction. Hereinafter, FIGS. 7A and 7B show an example of business information, which will be described later. Hereinafter, FIGS. 7A to 7B will be simply referred to as "FIG. 7" without any particular distinction.

[0013] 1 is a block diagram of a time-based business evaluation and automatic investment system 999 according to this embodiment. The automatic investment system 999 is an information processing system capable of time-based business evaluation and automatic investment, and is capable of predicting future business evaluations and then making automatic investments.

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

[0015] Although not specifically shown, the server system 100 is a system equipped with an information processing device including a CPU (Central Processing Unit), ROM (Read-Only Memory), RAM (Random Access Memory), etc., a storage device, an online system capable of inputting and outputting 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. The administrator terminal 200 and user terminal 300 are various terminals such as smartphones and tablet devices. While omitted from the example in Figure 1 for simplicity, in reality, a single device may be connected to multiple terminals, each of which has a communication unit and a processing unit capable of inputting and outputting data. The time-based business evaluation and automated investment system 999 is merely an example, and any system with equivalent functionality can be substituted.

[0016] In FIG. 1, the system server 100 has 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 for the system, an information processing unit 102 that appropriately processes the information, etc., and a recording unit 110 that can appropriately read and write information before and after the information is processed by the information processing unit 102. The time-measured business evaluation and automatic investment system 999 also includes a recording unit 110, a needs information DB 111 storing information on all kinds of needs, a service information DB 112 storing information on businesses that can satisfy these needs, a matching list DB 113 which is a list of matching "needs information" and "service information", a business information DB 114 storing information on businesses that provide the services, a stock information DB 115 storing stock information, a real estate information DB 116 storing real estate information, a resource information DB 117 storing resource information, a crowdfunding DB 118 storing crowdfunding information, and a user DB 119 storing the authority and scope of members (users) using this system (time-measured business evaluation and automatic investment system 999), the timing of information disclosure, etc.

[0017] In this specification, "needs" refers to data on all types of human desires. Furthermore, in this specification, "needs information" refers to a data list that records as comprehensively as possible the types of needs (human needs) stored in the system. For example, in the example shown in Figure 3 below, "needs name" stores the type of need, but it is subdivided to the point where specific actions become goals. State-based needs, such as "hobbies" and "life support," are not goals. They are subdivided and displayed down to specific actions, such as "hobbies: watching videos: anime: science fiction." For example, "life support" exists as a category, but it is subdivided and stored down to specific ingested items or things, such as "life support: drinking water." The "demand number" and "demand distribution" that seek the corresponding needs store information such as the region, gender, age, and income bracket. The "appropriate supply volume" stores the average supply volume required to satisfy the need. The "substitute needs" store needs that can substitute for the corresponding need. The "side-utility needs" store other needs that are simultaneously satisfied by satisfying the corresponding need. "Shortage state" stores the state that will occur if the need is not met. "Reliability" stores the reliability of the need information. "Necessity" stores the degree of necessity of the need as a numerical value. In the example of needs information in Figure 3 described above, "Need name" is a required field. Of course, there is a possibility that fields will be added or modified in the future. Needs information is quantified as a result of analyzing big data to determine what people want and do, and the time costs (money, effort, risk) that are incurred in exchange for performing those actions. Needs information may also be collected through various surveys, psychological tests, simulations, etc. Estimated values ​​are substituted for missing parts. However, the more estimated values ​​there are, the lower the reliability becomes.

[0018] Furthermore, in this specification, the term "service" refers to any business, product, technology, service, idea, patent, paper, activity, infrastructure, law, or administrative provision, whether paid or not, that fulfills a need, and is not limited to the general meaning of a service. Furthermore, in this specification, the term "business" includes not only for-profit companies but also governments, local governments, non-profit organizations, and individuals. 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, a match is determined based on 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 various service information fields is the same as for needs information. Here, the "service name" of the service information is broken down into specific actions. Needs that are simply states, such as "hobbies" or "life support," do not constitute services; instead, needs that can be fulfilled by specific actions, such as "online channel: video streaming: anime: science fiction: Japanese, with subtitles in various countries," are broken down and expressed. Furthermore, the components such as the DB shown in FIG. 1 are merely examples, and may be replaced, added, or modified with other components having similar functions.

[0019] Next, the flow of information processing will be explained using the flowchart of FIG.

[0020] In the information acquisition step S1, the information acquisition unit 101 collects data that is deemed necessary for the system from big data 202 and various markets.

[0021] In step S2 of the information organizing section, the information acquiring section 101 stores the data collected in step S1 in various databases of the recording section 110 in an appropriate manner.

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

[0023] In S4 of the needs information necessity analysis, the information processing unit 102 stores an appropriate value in the "Necessity" field of "Needs Information" in FIG. 3 as a value indicating the degree of necessity of each piece of needs information. Here, the degree of necessity is measured as the difference between the time cost if people in the category seeking the needs of the needs information leave things as they are and do not take any action to satisfy the needs, and the time cost in an ideal state in which the needs are completely satisfied. In other words, necessity = time cost if no action is taken to satisfy the needs - time cost in an ideal state in which the needs are completely satisfied. Hereinafter, the "time cost if no action is taken to satisfy the needs" will be referred to as the "time cost of leaving things as they are." Also, the "ideal time cost if the needs are completely satisfied" will be referred to as the "time cost of leaving things as they are." In this case, the following is true: necessity = time cost of leaving things as they are - time cost of ideal state. Note that the necessity data in the example of FIG. 3 is expressed as a percentage value, but this is for ease of understanding. In reality, necessity is expressed as the difference between the time cost of leaving things as they are and the time cost of the ideal state, as described above, and is therefore expressed in hours, similar to "Value for Time." The degree of necessity for "Maintaining health: Skin disease: Athlete's foot" is as follows: Time cost of leaving things as they are = (average length of time until athlete's foot heals naturally × average number of times athlete's foot occurs in a lifetime × (average happiness level due to athlete's foot condition, such as foot itchiness × -1)) minus Time cost of ideal state = (average length of time until athlete's foot heals naturally × average number of times athlete's foot occurs in a lifetime × (happiness level after athlete's foot has healed × -1)) is the degree of necessity for "Maintaining health: Skin disease: Athlete's foot". For ease of understanding, the above only expresses the difference in "unhealthy time cost". Detailed calculation formulas, including time cost for accomplishing tasks and time cost for raising funds, are described later. Measure the average happiness level and the time required to meet the "appropriate supply amount" in "needs information". For more accurate calculations, the appropriate supply amount can also be expressed using a formula that measures the change in happiness.For example, in the case of "Life Support: Eating and Drinking: Drink Water," the first sip of water when thirsty tastes very good and makes you feel happy, but each time you drink, the taste (happiness) decreases, and being forced to drink liters of water beyond the appropriate supply becomes painful. By expressing these changes as a formula, we can more accurately measure happiness and, based on that, our needs.

[0024] Here, we explain the degree of necessity for the need to avoid an irreversible state. An irreversible state, for example, is one that, if left untreated, would result in death or lifelong disability. The degree of necessity for the need to avoid this irreversible state can be calculated, for example, as follows: The time cost of leaving the current state unattended = (average life expectancy at the age of death due to the relevant disease × (happiness level in the state of death × -1)) minus the time cost of the ideal state = (average life expectancy at the age of death due to the relevant disease × (average happiness level in the state of survival × -1)) is the degree of necessity for the need to avoid an irreversible state. Note that a state of death can be considered a happiness level of 0 because one feels nothing, but here we believe it is appropriate to use as a standard the average happiness level of the suffering that leads to a desire for death and the length of suffering that leads to suicide. An irreversible state other than death would be, for example, a lifelong loss of limb or sensory organ function. Similarly, the degree of necessity for the need to avoid an irreversible state can be measured based on the average happiness level of that state.

[0025] In the case of a need such as "cure for cerebral infarction," the amount of time is measured as the average age at which the need occurs, in the case of a need that is biased towards a specific age, such as the average life expectancy of the average age at which a cerebral infarction occurs. Ignorance time cost = time cost of accomplishing the task + time cost of raising funds + time cost of being unhealthy. An example of a specific calculation method for calculating each time cost is shown below. Achievement work time cost of time cost of leaving the status quo untouched = (average time required for end-of-life preparations × (average happiness level during time spent on end-of-life preparations × -1) × probability of death at the time of onset of cerebral infarction) + (average life expectancy for the average age of cerebral infarction × (average happiness level during time suffering from the aftereffects of cerebral infarction × -1) × probability of lifetime sequelae at the time of onset of cerebral infarction) + (average time that work hours required for daily life exceed those required due to the aftereffects of cerebral infarction × (average happiness level during work hours while suffering from the aftereffects of cerebral infarction × -1) × probability of temporary sequelae at the time of onset of cerebral infarction) Funding time cost of time cost of leaving the status quo untouched = (((cost incurred at the time of death ÷ average hourly wage) × (average happiness level during working hours × -1)) × probability of death at the time of onset of cerebral infarction) + (((annual nursing care costs for the aftereffects of cerebral infarction × average life expectancy for the average age of cerebral infarction) ÷ average hourly wage) × (average happiness level during working hours × -1)) × Cost of unhealthy time associated with current neglect time cost = (life expectancy at average age at onset of cerebral infarction × (happiness level at death × -1) × probability of death at onset of cerebral infarction) + ((life expectancy at average age at onset of cerebral infarction × (average happiness level at death × -1)) × probability of lifetime sequelae at onset of cerebral infarction) + ((average life expectancy at average age at onset of cerebral infarction × (average happiness level at sequelae of cerebral infarction × -1)) × probability of lifetime sequelae at onset of cerebral infarction) + ((average number of years until spontaneous recovery of cerebral infarction × (average happiness level at sequelae of cerebral infarction × -1)) × probability of temporary sequelae at onset of cerebral infarction) Add these together to calculate the cost of neglect time, and subtract the time cost for the ideal state from that value.Ideal state time cost = work time cost to achieve + fundraising time cost + ill-health time cost Therefore, Work time cost to achieve ideal state time cost = Lifetime time required to prevent cerebral infarction × (Average happiness level of work time to prevent cerebral infarction × -1) Time cost of fundraising for ideal state time cost = (Lifetime cost required to prevent cerebral infarction ÷ Average hourly wage) × (Average happiness level of working hours × -1) Unhealthy time cost of ideal state time cost = (Average life expectancy at average age of patients who develop cerebral infarction × (Average happiness level when alive × -1) × probability of death at the time of onset of cerebral infarction) + (Average life expectancy at average age of patients who develop cerebral infarction × (Average happiness level when alive × -1)) × lifetime probability of developing sequelae at the time of onset of cerebral infarction) + (Average number of years of spontaneous recovery from cerebral infarction × (Average happiness level when alive × -1)) × probability of developing temporary sequelae at the time of onset of cerebral infarction) Add these together and subtract the difference, and the time difference becomes the degree of necessity.

[0026] 2, in step S5 of analyzing the degree of realization of service information, the information processing unit 102 measures the degree of realization, which is the degree to which the utility of the new service in the service information can be realized by the announced date. For example, the information processing unit 102 analyzes the degree of realization based on the past performance of the relevant business operator and examples of development of similar technology, and stores the analyzed value in the "Degree of realization" item of "Service information" in FIG.

[0027] Here, feasibility is calculated as the probability that the relevant technology or service can be provided by the deadline. The probability of the feasibility value is calculated by multiplying the technical feasibility rate (the business will provide the relevant technology or service by the deadline) by the commercial feasibility rate by the rate at which necessary infrastructure is secured by the required infrastructure and the probability that the market will not be seized by alternative needs. Specifically, feasibility 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 realized using existing technology and the current stage of research and development. Market acceptance refers to the likelihood that the market will accept the technology or service. It takes into account market research and user expectations. It is evaluated on a scale of 1 to 100, with 100 meaning completely feasible and 1 meaning extremely difficult technically. Cost refers to the cost of development and implementation, including the cost of implementing the technology and operational costs. For example, on a scale of 1 to 100, 100 means very positive market acceptance. For example, on an inverted scale of 1 to 100, 100 means very low cost and 1 means very high cost. On an inverted scale of 1 to 100, 100 means extremely low risk. Risk refers to technical, economic, and social risks. Risks include the possibility of project failure and legal issues. Development time refers to the time it takes to realize a technology or service. On an inverted scale of 1 to 100, 100 means extremely low risk. Development time refers to the time it takes to realize a technology or service. On an inverted scale of 1 to 100, 100 means it can be realized in a short period of time. When using the above formula for feasibility, it is also important to consider the weight of each element. For example, if technological feasibility is more important than market acceptance, a high weight is assigned to technological feasibility as a coefficient. Furthermore, by conducting test runs and adjusting the coefficients of each parameter to suit the actual social situation, it will be possible to make an evaluation that is more in line with the actual situation.

[0028] In step S6 of the reliability analysis, the information processing unit 102 estimates the missing parts and supplements the reliability. The information processing unit 102 stores an appropriate value in the "reliability" field of each DB depending on the number of estimates and the reliability of the information source. Here, reliability is an index that is 100% when confirmed values ​​can be collected for all items of each data, and decreases when estimated values ​​are substituted for each item instead of confirmed values. For example, in the case of the needs information "Hobbies: Watching Videos: Anime: Science Fiction" in Figure 3, confirmed values ​​are collected based on market statistics for each item, such as "Demand Quantity," "Demander Distribution," "Appropriate Supply Amount," "Substitute Needs," "Secondary Utility Needs," "Shortage State," and "Necessity," resulting in a reliability of "99.9%." In contrast, in the case of the needs information in Figure 4, since the information collected for each item relates to future service plans, the reliability is estimated based on the business operator's past business performance and the success rate of similar service provision, resulting in a reliability of "94.7%." However, the importance given to the reliability may change depending on the numerical value of each item.

[0029] In step S7 of matching, the information processing unit 102 matches service information corresponding to various types of needs information. If a matching list DB like the one shown in FIG. 5 already exists, it does not update it; if it does not, it creates a new matching list. Note that there is a wide variety of service information corresponding to needs information. For example, the information processing unit 102 creates a matching list for each type of service information that can satisfy needs such as "substitution needs," "secondary utility needs," and "shortage states" in the "needs information," and updates the corresponding section if it already exists. Specifically, for example, for the need "hydration intake: drinking water," there are many types of service information, such as "waterworks," "home appliances: private well water pumps," and "home appliances: rainwater utilization appliances." Different versions and other companies' products with equivalent functions are also stored in the matching list. Furthermore, for example, there may be many types of service information satisfied by a waterworks business. In addition to "hydration: drinking water," other needs, such as "hygiene management: bathing: at home," "health maintenance: skin disease prevention," and "hobbies: gardening," are stored in separate matching lists. Furthermore, for example, the information in the matching list varies depending on the service area. A matching list of as many of these combinations as possible, as shown in FIG. 5, is generated in step S7.

[0030] For example, the information processing unit 102 compares the "needs name" in the needs information with the "service name" in the service information to check whether a service that meets the needs is being offered. More specifically, for example, the service information "Video distribution: Anime: SF: Japanese, with foreign subtitles" corresponding to the needs information "Hobbies: Watching videos: Anime: SF" is a service that meets the needs, and is therefore included in the matching list. In this case, multiple services often match with one need. In the case of watching videos, not only one company but also other companies often offer similar services, and in addition to online distribution, videos can also be rented through rental video services or purchased and then watched. These are each registered as separate services. Therefore, the information processing unit 102 registers all matching with services that meet these needs as separate matching lists.

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

[0032] Here, "Value For Time" will be explained below.

[0033] "Value for Time" refers to something like the following (1). (1) Value for Money, an indicator often used in economics, is measured as the difference between the cost of an existing business and the cost of a new business. (See the left side of Figure 6) In contrast, the "Value for Time" proposed by the proposer is measured as the difference between the time cost of an existing business and the time cost of a new business. (See Figure 8)

[0034] Here, time cost refers to the time cost required from the time a need is desired until that need is realized. It can be calculated as follows: Time cost = number of hours required x (happiness level x -1). Happiness level is defined in this specification as a numerical value that indicates how happy or unhappy people in the corresponding category feel about the time it takes to achieve their various needs.

[0035] One example of how happiness can be measured is the level of stimulation of the pleasure center. When people feel happy, their pleasure center is stimulated, and when they feel unhappy, their displeasure center is stimulated. It is known that stimulation of these centers changes the type of brain wave, and the intensity of the brain waves changes depending on the level of stimulation. These types and amounts of brain waves can be measured as happiness. Alternatively, the secretion of various hormones that induce pleasure and displeasure can be measured as happiness. It may also become possible to quantify happiness through questionnaires and psychological tests. While some believe that pleasure and happiness are not the same, even when we practice "unconditional love," we do so because our brains sense pleasure. For example, when a parent acts devotedly toward their child without expecting anything in return, they do so because their brains sense pleasure. Therefore, happiness can be measured by the intensity of pleasure or displeasure. The time measured here is the time it takes to reach the "appropriate supply" of "needs information." Alternatively, time can be measured by the increase or decrease in happiness according to the formula for the "appropriate supply." As an example of a baseline for happiness, consider a state of feeling nothing as 0% happiness and a happiness level of -100% when working an average job (labor). Once these are established, the happiness level for various activities can be calculated by dividing the cost of the goods, experiences, or tasks purchased with money by the average hourly wage. Most happiness levels can be measured using happiness levels while working as a baseline. However, for happiness levels that cannot be measured in monetary terms, using death as a baseline allows us to measure happiness based on actions that involve pain so severe that one wishes to commit suicide or even the risk of death. For example, driving a car increases the risk of death in a traffic accident. People drive because they decide that the benefits outweigh the risk of death. Even if a fighter risks losing decades of their remaining life to death in a match, if they put everything they have into that one-hour match, their happiness level will be sufficient to correspond to the risk. Alternatively, various basic tasks that most people perform to maintain their daily lives, such as cleaning, can also be used as a baseline.Conversely, basic happiness experienced by many people, such as when satisfying hunger, quenching thirst, taking a bath, or falling asleep, can also be used as a reference value. Based on such reference values, it becomes possible to measure various levels of happiness.

[0036] The calculation method for "Value For Time" is as shown in (2) below. (2) Calculation Method Time costs are calculated by dividing them into the work time spent on achieving the goals of the relevant business, the time spent raising funds, and the time spent unhealthy. The calculation method is as shown in the following formula. "Value For Time" = (Work time spent on achieving the goals of the existing business x (happiness level during work time spent on achieving the goals of the existing business x -1) + Fundraising time for the existing business x (happiness level during fundraising time for the existing business x -1) + Unhealthy time for the existing business x (happiness level during unhealthy time for the existing business x -1)) - (Work time spent on achieving the goals of the new business x (happiness level during work time spent on achieving the goals of the new business x -1) + Fundraising time for the new business x (happiness level during fundraising time for the new business x -1) + Unhealthy time for the new business x (happiness level during unhealthy time for the new business x -1))

[0037] An example of "Value For Time" is shown in (3) below. (3) Example For example, when evaluating the value of infrastructure such as waterworks using "Value For Time," the "Value For Time" is calculated as follows: That is, the value of a waterworks business lies in the shortening of the time from when someone "wants to use water" to when they can actually use the water. In order to measure this difference in time, the existing business is considered to be in a state without waterworks, and the new business is considered to be in a state where the waterworks infrastructure is complete. The information processing unit 102 calculates the difference in the total time of the new business's work time, fundraising time, and unhealthy time from the total time of the existing business's work time, fundraising time, and unhealthy time based on the following formulas. (See Figure 9) ・Work time achieved for existing businesses = (time to go to the water source with a bucket to get water × total number of times to go to the water source with a bucket to get water × (happiness level during the time spent going to the water source with a bucket × -1)) + (time to take in fluids × (happiness level during the time spent going to the water source with a bucket × -1)) ・Fundraising time for existing businesses = (cost to go to the water source with a bucket to get water × total number of times to go to the water source with a bucket to get water) ÷ average hourly wage × (happiness level during working hours × -1) ・Unhealthy time for existing businesses = unhealthy time before construction of water supply facility × number of users × (happiness level during unhealthy hours × -1) ・Work time achieved for new businesses = (time to get water from the tap × total number of times to get water from the tap × (happiness level during the time spent getting water from the tap × -1)) + (time to take in fluids × total number of times to take in fluids × (happiness level during the time spent taking in fluids × -1)・Fundraising time for a new business = Waterworks construction and maintenance costs ÷ Average hourly wage × (Happiness level during working hours × -1) ・Unhealthy time for a new business = Unhealthy time after construction of waterworks × Number of users × (Happiness level during unhealthy hours × -1) Therefore, the "Value For Time" for waterworks is calculated using the following formula."Value for Time" of water supply = (((Time to go to the water source with a bucket to get water × total number of times to go to the water source with a bucket × (happiness level during the time spent going to the water source with a bucket × -1))) + (Time to drink water × (happiness level during the time spent drinking water × -1))) + ((Cost to go to the water source with a bucket × total number of times to go to the water source with a bucket) ÷ average hourly wage × (happiness level during working hours × -1)) + (unhealthy hours before construction of water supply × number of users × (happiness level during unhealthy hours × -1))) - (((Time to draw water from the water tap × total number of times to draw water from the water tap × (happiness level during the time spent drawing water from the water tap × -1))) + (time to drink water × total number of times to drink water × (happiness level during the time spent drinking water × -1))) + ((Waterworks construction and maintenance costs ÷ average hourly wage) × (happiness during working hours × -1)) + (unhealthy hours after construction × number of users × (happiness during unhealthy hours × -1)).

[0038] Here, the happiness level values ​​are calculated by inputting the happiness levels of various actions in the "Happiness Level" field of "Needs Information" when calculating the "Needs Information" and "Necessity" data in Figure 3. The happiness level when using the corresponding service increases or decreases depending on the "Evaluation" value of the matching "Service Information." In the waterworks construction example above, the "Necessity" and "Appropriate Supply Time" of "Labor Reduction: Physical Labor: Water Fetching" are read in the "Needs Information" field of Figure 4. Any time spent exceeding these values ​​results in a decrease in happiness. The "Appropriate Supply Amount" field incorporates formulas such as the law of diminishing returns, allowing for the measurement of unpleasant hours, i.e., negative happiness levels. The time cost of fundraising is also reflected in the happiness levels of various work hours when calculating the "Appropriate Supply Amount" and "Necessity" of the corresponding "Labor Reduction" data in the "Needs Information" field of Figure 3. While tasks like fetching water can be enjoyed for short periods of time, such as camping, camping every day no longer constitutes a leisure activity. Happiness is measured by the "appropriate amount of provision" and the required working hours beyond that. Happiness also varies depending on the category of demander. For example, demanders who enjoy dance performance as a hobby will train for a five-minute performance, spending dozens of hours practicing, which incurs a work-time cost of achievement. For them, the five minutes of performance are important, even if it means spending the time to cover the unhealthy time cost of a knee injury, the cost of lessons, studio fees, and transportation. Therefore, the time spent performing is worth thousands of times more in terms of happiness than the time spent in terms of the time cost of achievement. The happiness of the time spent in terms of the time cost of achievement is, in other words, the value of the time spent self-actualizing.

[0039] The significance of "Value for Time" is as shown in (4) below. (4) Significance Conventional Value for Money could only measure cost differences. In contrast, Value for Time not only measures costs as the difference in labor hours required for fundraising, but also measures user convenience as the difference in achievement time, and can measure environmental conservation, sanitary improvements, and other benefits as the difference in unhealthy time. This allows for broad measurement of benefits for society as a whole, and is expected to guide economic activity in the following directions. For example, benefits that can be measured as a reduction in achievement time can be guided toward the optimization of regulations, refugee relief, human rights protection, and infrastructure development. For example, benefits that can be measured as a reduction in fundraising time can be guided toward the elimination of budget constraints, lower prices, higher hourly wages, improved capabilities, technological innovation, and the appropriate allocation of resources. Benefits that can be measured as a reduction in unhealthy time can be guided toward health, peace, the eradication of hunger, the prevention of accidents, incidents, and disasters, and environmental purification.

[0040] Here, we introduce a peer-reviewed paper describing 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 Providing Incentives to Extend Free Time as Seen in Changes to the Medical Fee System," International Public Economics Research, Vol. 32. Hereafter, the "Value for Time" described in this paper will be referred to as "Value for Time (peer-reviewed paper)" to clearly distinguish it from the "Value for Time" applied to embodiments of the present invention. Using the medical fee system as a model, this paper proves that policies that provide incentives to extend "Value for Time (peer-reviewed paper)" can properly guide economic activity toward improving the profits of consumers and society as a whole while increasing the profits of capitalists. Furthermore, the paper's discussion chapter states the following: In other words, pursuing Value For Time (peer-reviewed papers) ultimately leads to improved quality of life for consumers and revitalizes the economy. For example, I believe that the all-time high market capitalization of GAFA is proof that people are seeking "Value For Time (peer-reviewed papers)." Google (registered trademark) creates "Value For Time (peer-reviewed papers)" by reducing the time spent on research, while Amazon (registered trademark) creates high "Value For Time (peer-reviewed papers)" for shopping, Facebook (registered trademark) creates high "Value For Time (peer-reviewed papers)" for friendships, and Apple (registered trademark) creates high "Value For Time (peer-reviewed papers)" for content. I believe that by providing their respective services at low cost and in a way that is easy for everyone to use, more people are using that "Value For Time (peer-reviewed papers)" and purchasing their services, which is why GAFA's market capitalization is at its highest. On the other hand, focusing only on Value for Money (i.e., cost reduction) has led to the highest internal reserves of Japanese companies in history, but the impact of not providing incentives for Value for Time (peer-reviewed paper) has been significant. Specifically, since 1990, many factories have been relocated overseas.The author believes that this has led to the outflow of technology, the source of "Value for Time (peer-reviewed paper)," resulting in a decline in market capitalization and Japan's overall GDP, as well as a worsening employment environment. In fact, Japanese bookstores, video rental stores, and retail stores that were unable to provide consumers with "Value for Time (peer-reviewed paper)" compared to GAFA have been forced to close. This "Value for Time (peer-reviewed paper)" theory is used to measure the value of businesses, predict future crowd behavior, and create a system for investing to maximize profits. The "Value for Time" calculation formula applied to this invention is a modified version of the "Value for Time (peer-reviewed paper)" formula, with the definition changed from "preparation time cost" to "achievement time cost" to calculate the time required for proactive self-realization, and the concept of "happiness" added 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 invention is that by adding the concept of "happiness," it becomes possible to measure people's happiness numerically based on the quantity and quality of time. With mere free time, it was impossible to distinguish between idle time and time spent fulfilled through self-actualization. The technical significance of adding the concept of happiness to this technology is that it makes it possible to measure the things and events that people truly desire, and to use this information to predict and control people's future, as well as the future of stock prices and society. Furthermore, the systematization of the simple theory of "Value for Time (peer-reviewed paper)" itself is significant.

[0041] Furthermore, the measurement of "Value For Time" will be explained below. "Value For Time" can be measured based on the time cost of an existing business minus the time cost of a new business. Here, an existing business is a service that currently satisfies needs and is used by the most people. A new business is a service that was matched in step S7 described above. For example, taking the example of "Anime: Science Fiction" on the first line of the matching list, the existing business is the rental video business of "XX Rental Video Co., Ltd." As mentioned above, time cost = achievement work time cost + fundraising time cost + ill-health time cost, so it is calculated as follows. The achievement work time cost of an existing business is measured, for example, as follows: ) × (happiness level of the time spent watching sci-fi anime × -1)) + (time needed to go to the video rental store to rent and return a DVD (registered trademark) × (happiness level of the time needed to go to the video rental store to rent and return a DVD (registered trademark) × -1) + (time to look for the DVD (registered trademark) in the store × (happiness level of the time spent looking for the DVD (registered trademark) in the store × -1)) + (time to inquire about the return period if it has already been rented × (happiness level of the time spent inquiring about the return period if it has already been rented × -1)) + ((time to go to another store or at a later date when the desired sci-fi anime is not available and you go to rent it again from another store or at a later date × (happiness level of the time spent to go to another store or at a later date when the desired sci-fi anime is not available and you go to rent it again from another store × -1) × probability that the desired content is not available) + ((time to apply for membership at the video rental store × (happiness level of the time spent applying for membership at the video rental store × -1)) ÷ rate of renting sci-fi anime at the video rental store) The time cost of raising funds for an existing business can be calculated, for example, as follows. ((Video rental fees + late fees + expenses such as transportation costs to the store) ÷ average hourly wage) × (happiness level of working hours for fundraising × -1)) The cost of unhealthy time for an existing business can be calculated, for example, as follows: (hours spent feeling unwell due to watching too many DVDs × (happiness level of the number of hours spent feeling unwell due to watching too many DVDs × -1)) + (hours spent feeling stressed due to late fees × (happiness level of the time spent feeling stressed due to late fees × -1))In addition, the new business in this case is video distribution for an online channel. Therefore, the time cost of the new business is calculated as follows: Time cost of the new business = Time cost of achievement work + Time cost of fundraising + Time cost of unhealthy life Here, the time cost of achievement work for the new business is calculated, for example, as follows: (Time watching sci-fi anime x (Happiness level while watching sci-fi anime x -1)) + (Time searching for videos of your favorite sci-fi anime x (Happiness level while searching for videos of your favorite sci-fi anime x -1) + (Time setting up a computer ÷ PC usage rate for that need) x (Happiness level while setting up a computer x -1)) + (Time setting up an internet environment ÷ Internet usage rate for that need) x (Happiness level while setting up an internet environment x -1)) The time cost of fundraising for the new business is calculated, for example, as follows. (((Internet channel usage fees + (Internet fees ÷ percentage of time spent watching sci-fi anime out of total internet usage time) + (Electricity fees ÷ percentage of total electricity fees spent watching sci-fi anime)) ÷ average hourly wage) × (happiness level of working hours for fundraising × -1)) The unhealthy time cost of a new business can be calculated, for example, as follows: ((Time spent feeling unwell due to watching too many internet channels × (Happiness level of the number of hours spent feeling unwell due to watching too many internet channels × -1)) Therefore, this can be summarized into a single formula as follows. Value For Time of the internet channel business = (((Time spent watching science fiction anime × (Happiness level of the time spent watching science fiction anime × -1)) + ((Time needed to go to a video rental store to rent and return a DVD (registered trademark) × (Happiness level of the time needed to go to a video rental store to rent and return a DVD (registered trademark) × -1)) + ((Time spent searching for a DVD (registered trademark) in the store × (Happiness level of the time spent searching for a DVD (registered trademark) in the store × -1)) + ((Time spent inquiring about the return period if it has already been rented × (Happiness level of the time spent inquiring about the return period if it has already been rented × -1))) + ((Time spent going to another store or at a later date if the desired science fiction anime is not available × (Happiness level of the time spent inquiring about the return period if it has already been rented × -1))-1) × probability that the desired content is not available) + ((Time spent applying for membership at a video rental store × (happiness level of 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 level of working hours to raise funds × -1)) + (Time spent feeling unwell due to watching too many DVDs × (happiness level of the number of hours feeling unwell due to watching too many DVDs × -1)) + (Time spent feeling stressed due to late fees × (happiness level of the time spent feeling stressed due to late fees × -1))) - ((Time spent watching sci-fi anime × (happiness level of time spent watching sci-fi anime × -1)) + (Time spent searching for videos of your favorite sci-fi anime × (happiness level of time spent searching for videos of your favorite sci-fi anime × -1) + (Time spent setting up a computer ÷ rate of computer use for that need) × (happiness level of time spent setting up a computer × -1)) + (time spent setting up the internet environment ÷ internet usage rate for that need) × (happiness level of time spent setting up the internet environment × -1)) + (((internet channel usage fee + (internet fee ÷ proportion of time spent watching sci-fi anime out of total electricity bill)) + (electricity bill ÷ proportion of total electricity bill spent watching sci-fi anime)) ÷ average hourly wage) × (happiness level of working hours to raise funds × -1)) + ((hours feeling unwell due to watching too many internet channels × (happiness level of number of hours feeling unwell due to watching too many internet channels × -1)) Note that computers are usually used for a variety of purposes, such as creating documents for work or playing games, so the usage rate is calculated based on how many hours the time spent setting up the computer is out of the total time spent using the computer for that need, and the proportion of that time is added as the task time spent setting up the computer for the relevant need. The same calculation can be done for any other service, such as setting up the internet.

[0042] Returning to the flowchart of Figure 2, in step S9 of crowd behavior prediction, the information processing unit 102 performs crowd behavior prediction. Because people use services with a "Value For Time," it is predicted that they will use services with a high "Value For Time" measured in step S7 above. The information processing unit 102 also predicts and measures which service usage people will shift from to which service usage based on the number of people supplied, the upper limit of the number of people that can be supplied, the degree of realization, etc., of the "service information" in Figure 4, and inputs the prediction results into "crowd behavior prediction" in the "matching list" in Figure 5.

[0043] Specifically, suppose an Internet communications company announces a new service that provides optical communication services that enable stable, high-volume data communication at low cost. The system collects information about the new optical communication service through "information acquisition step S1" and stores the appropriate information in each data database through the processes of steps S2 to S6. As a result, based on the "user's required environment" and "provider's required environment" items in the "service information," it is predicted that video distribution services up until now have not met the "user's required environment," and that low data traffic has become a bottleneck, resulting in poor image quality on small screens and frequent freezes. However, with this new optical communication service, the threshold for the "user's required environment" will be exceeded, and users will be able to enjoy video quality comparable to that of watching videos on DVD (registered trademark). In the "Matching List" shown in Figure 5, "Service Name" and "◎◎ Online Channel: Hobbies: Video Streaming: Anime: Science Fiction: Japanese" are matched as services that satisfy the "Service Name" desire: "Hobbies: Watching Videos: Anime: Science Fiction: Japanese." The difference in time cost is then measured compared to "Existing Business" and "XX Rental Video," which has the most users among people who have enjoyed videos up until now. The difference between the time costs of traveling to and from the rental video store, working hours to cover rental video and transportation costs, and worrying about late fees if the video is not watched within the return period, and the time costs of working hours to cover the video streaming service fee and the reduced, stress-free time of being able to watch videos with a single click whenever you have free time, i.e., the time cost difference between the old and new services, is measured and entered in the "Value for Time" field. Since people use services with high "Value for Time," it is predicted that demand will shift from rental video stores to online streaming services. Furthermore, what is the probability and when this service switch will occur? Based on the date announced by each "service information" provider that they will begin providing the service, the probability and time of when it will be realized is predicted based on the "realization" item and the "reliability" of the estimated value, and the predicted results are stored in "crowd behavior prediction."

[0044] Here, as a specific example, let us consider the "number of new customers acquired" as an example of "crowd behavior prediction" when existing businesses A to C overlap within the business range of the relevant business. The number of new customers acquired is calculated, for example, as follows: Number of new customers acquired = New customer acquisition coefficient α × (1 - (time cost per person for the relevant business × feasibility of the relevant business) ÷ (time cost per person for existing business A × feasibility of existing business A) × number of consumers within the business range of the old and new businesses) + New customer acquisition coefficient α × (1 - (time cost per person for the new business × feasibility of the new business) ÷ (time cost per person for existing business B × feasibility of existing business B) × number of consumers within the business range of the old and new businesses) + New customer acquisition coefficient α × (1 - (time cost per person for the new business × feasibility of the new business) ÷ (time cost per person for existing business C × feasibility of existing business C) × number of consumers within the business range of the old and new businesses) In the example of the first line of the matching list, within the scope of video distribution on the "Internet Channel," the number of new customers acquired is measured based on the amount of time and cost savings that can be achieved by the most used service among the existing businesses of rental video store A, rental video store B, and mail-order business of DVD (registered trademark) C compared to video distribution on the "Internet Channel," as well as the number of demanders.

[0045] Returning to the flowchart of FIG. 2, in step S10 of the change adjustment analysis, the information processing unit 102 analyzes how the impact of the related services and the "Value for Time" measured above in the matching list will affect the related services. For example, in the case of a water supply business, demand for "User-side required environment," "Provider-side required services," and "Related services" in the "Service information" in FIG. 4 should increase in tandem. With the introduction of water supply, a population increase is predicted, which should change the needs for related services. These changes and adjustments are made, and adjustments are made to the "Crowd behavior prediction" in the "Matching list" in FIG. 5.

[0046] Specifically, for example, the information processing unit 102 can predict a drop in sales for a tenant company that rents out to a video rental store based on the results of the crowd behavior prediction in step S9. The information processing unit 102 records these changes and adjustments in the databases of upstream and downstream operators in the supply chain. For example, suppose an Internet communications company required for the "user-side required environment" and "provider-side required environment" in the "service information" announces a new optical communications service that enables stable, high-capacity data communications at low cost. The system collects information about the new optical communications service through information acquisition step S1 and other steps, and then appropriately stores the collected information in each data database through the processes in steps S2 to S6. In this case, based on the "User-Side Required Environment" and "Provider-Side Required Environment" items in the "Service Information," video streaming services have traditionally not met the "User-Side Required Environment," resulting in a bottleneck due to low data traffic, resulting in poor image quality on small screens and frequent interruptions. However, step S10 predicts that the new optical communication service will exceed the threshold of the "User-Side Required Environment" and allow users to enjoy video quality comparable to that of watching videos on DVD (registered trademark). Furthermore, step S10 predicts changes in the employment environment due to changes in the "Provider-Side Required Working Hours," etc. Furthermore, users may be drawn to services offering "alternative needs" in the "Needs Information." Thus, in step S10, for example, the information processing unit 102 predicts the impact of a certain business change on another business due to changes in upstream and downstream supply chains and interrelationships, and records the extent to which the number of customers and sales will change and by what time in the "Crowd Behavior Prediction" field in the "Matching List DB."

[0047] In step S11 of forecasting business performance, the information processing unit 102 forecasts business performance. The forecasts up to this point are forecasts for each subdivided service, and business operators typically provide multiple services. Therefore, the information processing unit 102 inputs the estimated value of the integrated business operator profit fluctuation for each business operator into the "Business Operator with Profit Fluctuation" field in the "Matching List" in Figure 5.

[0048] In step S12 of predicting value fluctuation investment destinations, the information processing unit 102 inputs the value fluctuation investment destinations for each matching list into "value fluctuation investment destination" in the "matching list" in Fig. 5. If there is too much data and processing is heavy, investment destination data with large fluctuations will be input preferentially.

[0049] In step S13, "Are businesses aware?", the information processing unit 102 checks whether businesses that provide services to meet the needs in the matching list are aware. The information processing unit 102 makes this determination by referring to "Services," "Affiliated businesses," and "Transacting businesses" in "Business information" in Fig. 6 and by inferring from news of big data.

[0050] For example, in the first row of the matching list, despite the large potential demand for Japanese science fiction anime in Arabic-speaking countries, a business opportunity is missed due to the lack of Arabic dubbing or Arabic subtitles. Or, even if a company creates an excellent technology or service, it may not achieve the expected sales figures due to difficulties in commercializing it at a cost that would generate practical benefits or profits, or due to marketing challenges. Or, the company itself may not even be aware of the potential demand for that technology or service. For example, a Japanese company called TDK developed a magnetically absorbing paint. TDK developed this technology to improve the sound quality of cassette recorders, but the patent was purchased by the U.S. Department of Defense, and it is now used as paint for stealth fighter jets. As such, developers often focus their technology or service solely on their own business, overlooking potential needs and markets. For example, the news that Toppan Printing changed its name to "Toppan" suggests that the company may be expanding its services beyond the printing industry. If these values ​​are below a certain threshold, the result is determined to be NO, and processing proceeds to step S19, where report creation is performed. The predictions made up to this point in the matching list are not valid, and existing services will be used, but this means there are hidden business opportunities. If there is no movement toward technology investment or business partnerships to provide these services despite the existence of these latent needs, the answer is determined to be NO, and the process moves to step S19, where a report is created. On the other hand, if there is movement, the answer is determined to be YES, and the process moves to step S14, where it is asked, "Are there any other possibilities?"

[0051] In step S14, "Are there any other possibilities?", the processes from steps S7 to S13 are repeated, and the process continues until a "matching list" of all patterns affected by the current change is created. A deadline that will not miss a business opportunity is set as a threshold, and once the threshold is exceeded or measurement of all "matching lists" has been completed, the result is determined to be NO and the process proceeds to step S15, which is 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 Destination" item in FIG. 5 and the stock price in the "Stock Information" item in FIG. 7, and analyzes when and how to invest to achieve the maximum profit for the investment settlement. It is assumed that financial technology is used as much as possible during this process. Although not shown in the figure, similar processing is also performed for "Real Estate Information," "Resource Information," "Crowdfunding Information," etc. If there are other investment targets, the corresponding investment destination DBs can be added and similar processing can be performed.

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

[0054] In step S17, "Was it as expected?", the information processing unit 102 checks whether the results of the investment settlement and the actual situation have progressed in line with the series of predictions. If the difference between the predictions of the system is within a predetermined threshold, the result is determined as YES and the process ends (END). On the other hand, if the difference between the prediction and the actual situation exceeds the threshold, the result is determined as NO and the process proceeds to step S18, which is a prediction error analysis.

[0055] In step S18 of the prediction error analysis, the information processing unit 102 analyzes where the difference between the reality and the prediction lies. The information processing unit 102 analyzes the parts where the prediction was wrong. For example, if the prediction was wrong because a certain service was delayed from the scheduled date announced by the company, the information processing unit 102 should revise downward the data for "Realization Rate" in "Service Information" in FIG. 4, which was too high, and therefore correct the relevant parts of each relevant DB based on the analysis results. This allows the accuracy of the prediction to continue to improve.

[0056] In step S19 of creating a report, the information processing unit 102 creates a report on how much potential need there is, since it has high value as a business opportunity or an area for improvement in cases such as parts corrected in the processing of step S18, parts where the cause of the prediction error could not be identified despite the analysis, and cases where the answer to step S13 of "Did the business notice?" was YES but the prediction was wrong because the business in question did not provide the service. The information processing unit 102 also creates a report on the accuracy of the entire prediction.

[0057] Our system stores the needs of all humanity and provides a comprehensive matching list of needs and services that meet them, allowing us to provide appropriate advice on overlooked needs and markets. Even if predictions are incorrect due to low-cost commercialization that will generate practical application and profits, or due to sales issues, our system stores service information for all humanity, allowing us to advise the relevant company on partnering with a company that will eliminate the bottleneck. Even if a stock price prediction is incorrect and does not reach the expected amount by the expected date and time, eliminating the bottleneck in this way will allow the technology or service to be used as effectively as possible within humanity, raising stock prices and increasing profits even if the date and time are later than predicted. Even if the company that developed the technology does not adopt the system's advice, it can still sell it to rival companies, resulting in profits either way.

[0058] In step S20 of sending the report, the information processing unit 102 sends the report created in the processing of step S19 according to the membership type and whether the user is an administrator entered in the "user information DB." For example, if it is an internal processing matter, it can decide to send it only to the administrator, and if it is a business opportunity or improvement plan that is missing potential needs, the scope and timing of disclosure can be adjusted depending on the membership type. When the processing of step S20 is completed, the processing ends (END).

[0059] The steps shown in FIG. 2 are merely examples, and the order of steps 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 above-described embodiment, and modifications, improvements, etc. within the scope of achieving the object of the present invention are considered to be included in the present invention.

[0061] For example, the configurations and flows shown in FIGS. 1 and 2 are merely examples for achieving the object of the present invention, and are not particularly limited.

[0062] The above-described series of processes can be executed by hardware or software, and each functional block can be configured by hardware alone, software alone, or a combination of both.

[0063] When a series of processes is executed by software, the programs constituting the software are installed onto a computer or the like from a network or a recording medium. The computer may be a computer incorporated into dedicated hardware. The computer may also be a computer capable of executing various functions by installing various programs, such as a server, a general-purpose smartphone, or a personal computer.

[0064] The recording medium containing such a program may be composed not only of a removable medium (not shown) that is distributed separately from the device main body in order to provide the program to the user, but also of a recording medium that is provided to the user in a state that is pre-installed in the device main body.

[0065] In this specification, the steps describing the program to be recorded on the recording medium include not only processes that are performed in chronological order, but also processes that are not necessarily performed in chronological order but are performed in parallel or individually.

[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 114, 115...Stock information DB, 116...Real estate information DB, 117...Resource information DB, 118...Crowdfunding DB 118, 119...User DB 119, 200...Administrator terminal, 300...User terminal, 999...Automatic investment system

Claims

1. An information processing system equipped with a "Value For Time" measurement means that quantitatively measures "Value For Time", which indicates the value of a business, based on the difference in time costs between existing businesses and new businesses, the number of users, and the level of happiness.

2. The information processing system according to claim 1, further comprising a matching means for matching a predetermined one or more of the one or more needs information with a predetermined one or more of the one or more service information based on one or more needs information storing one or more human needs and one or more service information storing businesses capable of satisfying at least a part of the needs, wherein the "Value For Time" measuring means numerically measures the "Value For Time" based on the matching result by the matching means.

3. The information processing system according to claim 2, further comprising a crowd behavior prediction means for measuring crowd behavior prediction, which is a prediction of which service usage people will shift from to which service usage, based on the matching result by said matching means and said "Value For Time".

4. The information processing system according to claim 3, further comprising a settlement means for performing an analysis of information including stock price information, real estate information, and resource information based on said crowd behavior prediction, said service information, and business information of businesses providing said services, determining an investment transaction that will bring about the highest possible profit based on the analysis results, and settling said investment transaction.

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

6. The information processing system of claim 3, further comprising: an accuracy checking means for checking the accuracy of the crowd behavior prediction based on the difference between the crowd behavior prediction and reality; and a precision improvement 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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