Information processor, program and method

Abstract

To provide information useful for investment in an investment target such as a business operator, business, and a real estate.SOLUTION: A control unit executes: a step for presenting a user with information on each business operator or business that is a candidate for an investment destination, a step for receiving an operation of selecting at least one of a business operator or business from the user; a step for performing analytical processing on a financial condition of at least one of the selected business operator or the business; and a step for presenting a result of the analytical processing. In the step for presenting, each financial item of the selected one business operator or business, or each financial item of a combination of a plurality of selected business operators or businesses are associated and made into one graph and, in the graph, presented on a same screen in a form that can be compared with comparative values of each financial item for each of a predetermined sample number of business operators or business.SELECTED DRAWING: Figure 11

Description

Technical Field

[0001] The present disclosure relates to an information processing apparatus, a program, and a method.

Background Art

[0002] There is a technology for assisting an investor in investing in an investment target. For example, investment targets include business operators, real estate, commodities (resources), stocks, bonds, and the like. Conventionally, as disclosed in Patent Document 1, there is a technology that enables a single user to own multiple rental properties and view the income and expenditure status of each property collectively on a single website.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, when conducting asset management, it is not easy to analyze real estate information as investment information. Specifically, in order to utilize real estate information as investment information, it is necessary to grasp the income and expenditure information, comparison of multiple properties, and borrowing status of the real estate currently held, and combine it with the real estate information being considered for purchase or sale to perform analysis processing such as future income and expenditure analysis, comparison analysis of multiple properties, and borrowing status analysis.

[0005] In addition, as asset management, it is not easy to analyze the financial status of a business operator even when investing widely in business operators or businesses, not limited to real estate information. Specifically, in order to utilize the information of a business operator or business as investment information, it may be appropriate to compare and analyze the information of a business operator currently under investment consideration with the information of a business operator currently invested in and other multiple business operators in terms of financial status.

[0006] In the system described in Patent Document 1, there is no such function for utilizing the information of the business operator or the business in this way.

[0007] The present disclosure has been made in view of the above, and aims to perform analysis processing on investment targets such as business operators or businesses, and provide information useful for investment.

Means for Solving the Problems

[0008] According to one embodiment, there is provided an information processing apparatus including a control unit and a storage unit, and providing investment information to a user. The control unit includes a step of presenting to the user information on each business operator or business that is a candidate for an investment destination, a step of receiving an operation of selecting at least one business operator or business from the user, a step of performing analysis processing on the financial situation of the selected at least one business operator or business, and a step of presenting the result of the analysis processing. In the step of performing the analysis processing, a financial analysis is performed based on the information of the at least one business operator or business selected by the user, and each of a plurality of financial items is analyzed. In the step of presenting, each financial item of the selected one business operator or business, or each financial item in the case of combining the selected plurality of business operators or businesses is associated with each other as one graph, and in the graph, it is presented on the same screen in a form comparable to the comparison values of each financial item of each business operator or business of a predetermined sample number.

Effects of the Invention

[0009] According to the present disclosure, it is possible to perform analysis processing and provide information useful for investment in investment targets such as business operators or businesses.

Brief Description of the Drawings

[0010]

Figure 1

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Figure 10

Figure 11

Embodiments for Carrying Out the Invention

[0011] Hereinafter, embodiments of the present disclosure will be described with reference to the drawings. In the following description, the same parts are denoted by the same reference numerals. Their names and functions are also the same. Therefore, detailed descriptions thereof will not be repeated.

[0012] <First Embodiment> Hereinafter, an embodiment of performing analysis processing on at least one real estate held or under consideration for purchase specified by a user will be described.

[0013] <1 Overall Configuration of Real Estate Management System 1> FIG. 1 is a diagram showing the overall configuration of the real estate management system 1.

[0014] The real estate management system 1 is a system for performing analysis processing on the management of real estate. As shown in FIG. 1, the real estate management system 1 includes a plurality of terminal devices (in FIG. 1, terminal device 10A and terminal device 10B are shown. Hereinafter, they may be collectively referred to as "terminal device 10") and a server 20. The terminal device 10 and the server 20 are communicatively connected via a network 80. The network 80 is composed of a wired or wireless network.

[0015] The terminal device 10 is a device operated by a user who is a real estate manager. The terminal device 10 is realized by, for example, a desktop PC (Personal Computer), a laptop PC, etc. As shown in FIG. 1, the terminal device 10 includes a communication IF (Interface) 12, an input device 13, an output device 14, a memory 15, a storage unit 16, and a processor 19.

[0016] The communication IF 12 is an interface for inputting and outputting signals so that the terminal device 10 can communicate with an external device. The input device 13 is an input device for receiving an input operation from the user (for example, a pointing device such as a touch panel, a touch pad, a mouse, etc., a keyboard, etc.). The output device 14 is an output device for presenting information to the user (a display, a speaker, etc.). The memory 15 is for temporarily storing programs and data processed by the programs, etc., and is, for example, a volatile memory such as a DRAM (Dynamic Random Access Memory). The storage unit 16 is a storage device for storing data, and is, for example, a flash memory, an HDD (Hard Disc Drive). The processor 19 is hardware for executing an instruction set described in a program, and is composed of an arithmetic unit, registers, peripheral circuits, etc.

[0017] Server 20 is a device that manages information of each user and information of each real estate property. Server 20 is a computer connected to network 80.

[0018] As shown in FIG. 1, server 20 includes a communication IF 22, an input / output IF 23, a memory 25, a storage 26, and a processor 29.

[0019] Communication IF 22 is an interface for inputting and outputting signals so that server 20 can communicate with external devices. Input / output IF 23 functions as an interface for an input device that receives input operations from a user and an output device that presents information to the user. Memory 25 is for temporarily storing programs and data processed by programs and the like, and is a volatile memory such as DRAM (Dynamic Random Access Memory), for example. Storage 26 is a storage device for storing data, such as a flash memory or an HDD (Hard Disc Drive), for example. Processor 29 is hardware for executing an instruction set described in a program, and is composed of an arithmetic unit, registers, peripheral circuits, and the like.

[0020] <1.1 Configuration of Terminal Device 10> FIG. 2 is a block diagram of terminal device 10 that constitutes real estate management system 1 according to the first embodiment. As shown in FIG. 2, terminal device 10 includes a communication unit 110, an operation reception unit 130, a display unit 140, a storage unit 170, and a control unit 180. Terminal device 10 also has functions and configurations not particularly shown in FIG. 2 (for example, a battery for holding power, a power supply circuit for controlling the supply of power from the battery to each circuit, etc.). As shown in FIG. 2, each block included in terminal device 10 is electrically connected by a bus or the like.

[0021] Communication unit 110 is a component for terminal device 10 to communicate with other devices.

[0022] The operation reception unit 130 has a mechanism for receiving the input operations of the user. For example, the operation reception unit 130 includes a mouse, a keyboard, a touch panel, or the like.

[0023] The display unit 140 displays data such as images, videos, and texts according to the control of the control unit 180. The display unit 140 is realized by, for example, a liquid crystal display.

[0024] The storage unit 170 is composed of, for example, a flash memory or the like, and stores the data and programs used by the terminal device 10. In a certain aspect, the storage unit 170 stores user information 171 and real estate information 172. The user information 171 and the real estate information 172 are information managed by the server 20 (user information database 281, real estate information database 282, etc., described later). The terminal device 10 accesses the server 20 through a browser or the like, and processes based on the user information 171 and the real estate information 172 are performed.

[0025] The user information 171 is the information of a user who conducts real estate management using the real estate management system 1. The user information 171 is, for example, the information of a user who uses the real estate management system 1 by the terminal device 10. The user information includes information for identifying the user (user ID), information on the real estate registered by the user, and the like. For the real estate registered by the user, the information of each real estate is stored according to the status of the real estate (owned, sold, under consideration, consideration aborted, etc.).

[0026] The real estate information 172 is the information of the real estate in the real estate management system 1. The real estate information includes information for identifying each real estate (real estate ID), physical matters of each real estate, right aspects, operation revenue, operation expenses, acquisition amount, borrowing status, and the like.

[0027] The control unit 180 reads the program stored in the storage unit 170 and executes the instructions included in the program to control the operation of the terminal device 10. By operating according to the program, the control unit 180 functions as an input operation reception unit 181, a transmission / reception unit 182, a display control unit 183, a real estate registration unit 184, a real estate selection unit 185, and an analysis process designation unit 186.

[0028] The input operation reception unit 181 performs a process of receiving a user's input operation on an input device such as a mouse or a keyboard.

[0029] The transmission / reception unit 182 performs a process for the terminal device 10 to transmit and receive data to and from an external device such as the server 20 according to a communication protocol.

[0030] The display control unit 183 controls the display process of the display unit 140.

[0031] The real estate registration unit 184 performs a process of receiving an operation for registering real estate from the user. For example, the real estate registration unit 184 receives an operation for registering information such as physical matters, right aspects, operation income, operation expenses, acquisition amount, and borrowing status of each real estate for the real estate held by the user. In addition, the real estate registration unit 184 receives an operation from the user for designating the status of each real estate as being held, sold, under consideration, or consideration aborted, etc.

[0032] The real estate selection unit 185 performs a process of receiving an operation for the user to select a real estate to be the target of an analysis process described later. For example, the real estate selection unit 185 presents all the real estates registered by the user according to the status of the real estate, and receives an operation for the user to select at least one real estate held or under purchase consideration.

[0033] The analysis process specifying unit 186 receives an operation from the user for specifying the type of analysis process to be performed on at least one selected real estate. For example, the analysis process specifying unit 186 presents all the types of executable analysis processes described later, and receives a specification from the user to perform a profit and loss analysis on a plurality of real estates.

[0034] <1.3 Functional Configuration of Server 20> FIG. 3 is a diagram showing the functional configuration of server 20. As shown in FIG. 3, server 20 functions as a communication unit 201, a storage unit 202, and a control unit 203.

[0035] The communication unit 201 performs processing for server 20 to communicate with an external device.

[0036] The storage unit 202 stores data and programs used by server 20. The storage unit 202 stores a user information database 281, a real estate information database 282, and the like.

[0037] The user information database 281 is a database for holding information of users who use the real estate management system 1. Details will be described later.

[0038] The real estate information database 282 is a database for holding real estate information accumulated in the real estate management system 1. Details will be described later.

[0039] The control unit 203 functions as various modules when the processor of server 20 performs processing according to a program.

[0040] The reception control module 2031 controls the process in which server 20 receives a signal from an external device according to a communication protocol.

[0041] The transmission control module 2032 controls the process in which server 20 transmits a signal to an external device according to a communication protocol.

[0042] The registration reception module 2033 controls the process by which the server 20 receives from the terminal device 10 an operation to register real estate.

[0043] The real estate selection reception module 2034 controls the process by which the server 20 receives from the terminal device 10 an operation to select at least one real estate to be the subject of the analysis process described later. For example, the real estate selection reception module 2034 receives from the terminal device 10 an operation to select at least one of the real estate in possession or the real estate under consideration for purchase.

[0044] The analysis process specification reception module 2035 controls the process by which the server 20 receives from the terminal device 10 an operation to specify the type of analysis process described later. For example, the analysis process specification reception module 2035 receives from the terminal device 10 a specification to perform a revenue and expenditure analysis for a plurality of real estates.

[0045] The analysis process module 2036 controls the process by which the server 20 performs a predetermined analysis process on at least one real estate selected by the user. For example, the analysis process module 2036 analyzes the revenue and expenditure situation specified by the user for the real estate in possession and the plurality of real estates under consideration for purchase selected by the user.

[0046] <2 Data Structure> FIG. 4 is a diagram showing the data structures of the user information database 281 and the real estate information database 282 stored in the server 20.

[0047] As shown in FIG. 4, each record of the user information database 281 includes an item "user ID", an item "name", an item "registered real estate", and the like.

[0048] The item "user ID" is information that identifies each user.

[0049] The item "Registered Real Estate" is information on real estate registered when each user uses the real estate management system 1. Specifically, as "Registered Real Estate", the real estate ID of each real estate is stored according to the status of the real estate specified by the user (owned, under consideration for purchase, consideration aborted, sold, etc.).

[0050] For example, when a user registers detailed information on a property they own, the server 20 stores the property as a property "owned". Also, when the user searches the real estate information stored in the real estate management system 1 under predetermined search conditions (usage, address, area, years since construction, etc.) and designates a property that meets the search conditions as a property under consideration for purchase, the server 20 stores the property as a property "under consideration for purchase".

[0051] Also, in the user information database 281, information on properties that the user is considering selling among the properties the user owns is stored separately as properties "under consideration for sale".

[0052] Each record in the real estate information database 282 includes an item "Real Estate ID", an item "Real Estate Name", an item "Detailed Information", etc.

[0053] The item "Real Estate ID" is information that identifies each real estate.

[0054] The item "Detailed Information" is detailed information regarding each real estate. Specifically, it includes physical matters, right aspects, operation income, operation expenses, acquisition amount, borrowing status, etc. of each real estate. The detailed information of the real estate is used when performing analysis processing on the real estate.

[0055] The item "Physical Matters" is information for identifying each real estate. Specifically, it includes information regarding real estate name, address, main use, detailed use, structure, number of floors, total land area, total floor area of the building, completion date, etc.

[0056] The item "right aspect" is information indicating the right relationships related to each real estate, specifically, information indicating land rights, building rights, etc., and includes information related to land rights, building rights, total number of tenants, rentable area, key money, security deposit, leasehold rights, etc.

[0057] The item "operation income" is information indicating the income obtained by operating each real estate, specifically, including information related to rental income, common expense income, utility bill income, parking lot income, gift money / royalty income, renewal fee income, bad debt loss, etc.

[0058] The item "operation expenses" is information indicating the expenses incurred by operating each real estate, specifically, including information related to maintenance and management fees, utility bills, repair fees, restoration fees, property management fees, tenant recruitment fees, public rents and taxes, insurance premiums, land rent payments, etc.

[0059] The item "acquisition price" is information indicating the amount paid when purchasing each real estate.

[0060] The item "borrowing situation" is information indicating the situation of borrowing from a financial institution to acquire each real estate, specifically, including information related to the borrowing date, borrowing financial institution, branch name, borrowing amount, contract borrowing period, borrowing interest, etc.

[0061] <3 Operations> Hereinafter, with reference to FIG. 5, the process of performing analysis processing on real estate by the real estate management system 1 of the first embodiment will be described.

[0062] FIG. 5 is a flowchart showing an example of the flow of performing analysis processing on at least one real estate held or under consideration for purchase specified by the user in the terminal device 10.

[0063] In step S511, the terminal device 10 receives an operation from the user to register real estate. For example, the terminal device 10 receives an operation from the user to input detailed information about the real estate held by the user. Alternatively, the terminal device 10 receives an operation from the user to specify, as the real estate "under consideration for purchase", the real estate that meets the desired purchase conditions.

[0064] In step S521, in response to the user's registration of real estate, the server 20 stores separately the possession information, which is the real estate information held by the user, and the information under consideration for purchase, which is the real estate information that the user is considering purchasing.

[0065] For example, the server 20 stores the information of each real estate in the user information database 281 and the real estate information database 282 according to the status of the real estate specified by the user (held, under consideration for purchase, consideration aborted, sold, etc.), and stores them separately as "real estate held" and "real estate under consideration for purchase".

[0066] Also, the server 20 may separately store the information under consideration for sale, which is the real estate information that the user is considering selling, from the possession information. For example, when the user designates a predetermined real estate held as the real estate under consideration for sale, the status of the real estate is set to "under consideration for sale" and stored separately from other real estate held.

[0067] In step S522, the server 20 presents the possession information or the information under consideration for purchase to the user. For example, the server 20 presents various information (physical matters, right aspects, operation income, operation expenses, etc.) of the real estate held by the user or the real estate under consideration for purchase to the user.

[0068] In step S512, the terminal device 10 receives an operation from the user to select at least one real estate indicated in the presented ownership information or information under consideration for purchase. For example, when the user wants to know the business situation in the case of purchasing some of the real estates under consideration for purchase in addition to all the real estates in possession, the user performs an operation of selecting all the real estates in possession and the part of the real estates under consideration for purchase.

[0069] In step S523, the server 20 performs analysis processing on the business situation of at least one selected real estate based on the ownership information or information under consideration for purchase. For example, the server 20 performs the following analysis processing.

[0070] (1) Income and expenditure analysis The server 20 performs income and expenditure analysis on at least one real estate in possession or under consideration for purchase selected by the user.

[0071] (1-1) Income and expenditure analysis for each real estate Based on the detailed information of each real estate in possession or under consideration for purchase selected by the user, the server 20 calculates, as income and expenditure items, the operating income, rental level, operating expenses, damage insurance premiums, repair costs, maintenance and management fees, etc. of each real estate, and performs income and expenditure analysis on each real estate. Also, based on the detailed information of each real estate selected by the user, the server 20 calculates the operating income, rental level, operating expenses, damage insurance premiums, repair costs, maintenance and management fees, etc. per unit area (for example, 1 square meter (1m 2 )) of each real estate, and performs income and expenditure analysis per square meter on each real estate.

[0072] In addition, the server 20 may also extract a predetermined number of real estates based on the real estate information registered by the user and the real estate information stored in the real estate management system 1, and calculate the first quartile, median, and third quartile of each income and expenditure item (operating income, rental level, operating expenses, damage insurance premiums, repair costs, maintenance and management fees, etc.) to perform comparative analysis with each income and expenditure item of each real estate in possession or under consideration for purchase selected by the user.

[0073] Further, the server 20 may calculate parameters for evaluating each real estate based on the detailed information of each real estate held or under consideration for purchase selected by the user. For example, the server 20 comprehensively evaluates the income and expenditure situation of each real estate based on each calculated income and expenditure item, and calculates the comprehensive income and expenditure evaluation parameter of each real estate in numerical form.

[0074] Further, the server 20 may predict each future income and expenditure item (such as operating income, rental level, operating expenses, damage insurance premiums, repair costs, maintenance and management fees, etc.) of each real estate based on the detailed information of each real estate held or under consideration for purchase selected by the user, and perform a future income and expenditure analysis for each real estate.

[0075] (1-2) Income and Expenditure Analysis of Multiple Real Estates Based on the detailed information of multiple real estates held or under consideration for purchase selected by the user, the server 20 calculates, as income and expenditure items, the operating income, rental level, operating expenses, damage insurance premiums, repair costs, maintenance and management fees, etc. when combining the multiple real estates, and performs an income and expenditure analysis by combining the multiple real estates. Further, the server 20 calculates the operating income, rental level, operating expenses, damage insurance premiums, repair costs, maintenance and management fees, etc. per square meter when combining the multiple real estates based on the detailed information of the multiple real estates selected by the user, and performs an income and expenditure analysis per square meter by combining the multiple real estates.

[0076] Further, based on the real estate information of other users held or under consideration for purchase in addition to the real estate information registered by the user, the server 20 extracts a predetermined number of real estates, and calculates the first quartile, median, and third quartile of each income and expenditure item (such as operating income, rental level, operating expenses, damage insurance premiums, repair costs, maintenance and management fees, etc.), so as to perform a comparative analysis with the income and expenditure items when combining the multiple real estates held or under consideration for purchase selected by the user.

[0077] In addition, the server 20 may calculate parameters for evaluating a combination of a plurality of real estates held or under consideration for purchase selected by the user based on the detailed information of the plurality of real estates. For example, the server 20 comprehensively evaluates the income and expenditure situation of the combination of the plurality of real estates based on each income and expenditure item when the plurality of real estates are combined, and calculates the comprehensive income and expenditure evaluation parameter in numerical form for the combination of the plurality of real estates.

[0078] Thereby, for at least one real estate held or under consideration for purchase selected by the user, it is possible to perform an income and expenditure analysis for each real estate and an income and expenditure analysis when a plurality of real estates are combined. For example, in addition to the real estate held, it is possible to perform an income and expenditure analysis when purchasing the real estate under consideration for purchase. Therefore, it is possible to provide information useful for real estate investment.

[0079] In addition, the server 20 may predict each future income and expenditure item (such as operating income, rental level, operating expenses, damage insurance premiums, repair costs, maintenance and management fees, etc.) of the plurality of real estates held or under consideration for purchase selected by the user, and perform a future income and expenditure analysis by combining the plurality of real estates.

[0080] (1-3) Extraction of real estates similar to the selected real estate Based on the income and expenditure analysis of at least one real estate held or under consideration for purchase selected by the user, the server 20 extracts real estate information similar to the selected at least one real estate from the holding information or information under consideration for purchase of other users.

[0081] For example, the server 20 extracts real estate information similar to the income and expenditure situation of the real estate under consideration for purchase selected by the user from the holding information of other users. In addition, based on the information of the extracted similar real estates, the server 20 may calculate each income and expenditure item (such as operating income, rental level, operating expenses, damage insurance premiums, repair costs, maintenance and management fees, etc.) of the similar real estates and present them in a comparable manner to the real estate selected by the user.

[0082] As a result, it is possible to extract real estate information similar to the real estate selected by the user from the real estate information stored in the real estate management system and provide information useful for real estate investment.

[0083] (2) Portfolio Analysis The server 20 presents the results of the analysis processing of each real estate in a comparable manner for a portfolio consisting of a plurality of real estates held or under consideration for purchase by the user. For example, the server 20 identifies and comparatively analyzes the acquisition price, appraisal value, outstanding loan balance, inheritance tax appraisal value, and NOI (net operating income) of each of the plurality of real estates held and under consideration for purchase selected by the user, and displays the analysis results in one graph.

[0084] In addition, the server 20 extracts predetermined elements of the holding information or information under consideration for purchase, performs a proportion analysis on the predetermined elements of each real estate, and presents the results of the analysis processing in a comparable manner. For example, the server 20 performs a proportion analysis of the acquisition price of each of the plurality of real estates held and under consideration for purchase selected by the user, and displays in one graph the proportion of each in the total acquisition price of the plurality of real estates.

[0085] The server 20 may also present the results of the analysis processing regarding the future management status of each real estate in a comparable manner for a portfolio consisting of a plurality of real estates held or under consideration for purchase by the user. For example, the server 20 predicts and comparatively analyzes the future NOI (net operating income) of each of the plurality of real estates held and under consideration for purchase selected by the user, and displays the future NOI (net operating income) of the plurality of real estates in one graph.

[0086] As a result, the analysis results for a portfolio consisting of a plurality of real estates held or under consideration for purchase by the user can be presented in a comparable manner, so that information useful for real estate investment can be provided, such as comparing the real estate under consideration for purchase with the real estate held, or evaluating the management status of the real estate portfolio.

[0087] (3) Borrowing situation analysis The server 20 performs a borrowing situation analysis for each real estate property that the user has selected and is holding or considering purchasing. For example, based on the operating income, operating expenses, repair costs, income tax, number of years elapsed, borrowing date, borrowing amount, contract borrowing period, borrowing interest, etc. of each real estate property, the server 20 analyzes the borrowing situation regarding the outstanding borrowing balance, cash flow, cumulative cash flow, etc. of each real estate property.

[0088] In addition, the server 20 performs an overall borrowing situation analysis, such as predicting the overall future cash flow, for multiple real estate properties that the user has selected and is holding or considering purchasing. For example, based on the operating income, operating expenses, repair costs, income tax, number of years elapsed, borrowing date, borrowing amount, contract borrowing period, borrowing interest, etc. of each real estate property selected by the user, the server 20 analyzes the borrowing situation regarding the future overall outstanding borrowing balance, cash flow, cumulative cash flow, etc. for the multiple real estate properties.

[0089] As a result, for at least one real estate property that the user has selected and is holding or considering purchasing, it is possible to perform a borrowing situation analysis for each individual real estate property and a borrowing situation analysis when combining multiple real estate properties. For example, in addition to the real estate property being held, it is possible to perform a borrowing situation analysis when purchasing the real estate property under consideration for purchase. Therefore, information useful for real estate investment can be provided.

[0090] In step S524, the server 20 transmits the result of the analysis process to the terminal device 10. For example, the server 20 transmits the result of the income and expenditure analysis when combining the real estate properties being held and the real estate properties under consideration for purchase selected by the user to the terminal device 10.

[0091] In step S513, the terminal device 10 displays and presents the result of the analysis process to the user. For example, the terminal device 10 displays and presents the result of the income and expenditure analysis when combining the real estate properties being held and the real estate properties under consideration for purchase selected by the user to the user.

[0092] Through the above series of processes, various analysis processes can be performed on at least one real estate property that the user has selected and owns or is considering purchasing, and the results of the analysis can be presented to the user. Therefore, information useful for real estate investment can be provided.

[0093] <Modification Example> (1) Information Presentation to Financial Institutions The server 20 may present the results of the analysis process for at least one real estate property selected from the ownership information or the information under consideration for purchase to a financial institution. For example, the server 20 provides information indicating the income and expenditure analysis and the borrowing situation analysis of the real estate properties owned by a predetermined user, as well as information regarding the real estate properties under consideration for purchase, to the financial institution. For example, at the terminal device of the financial institution, an input of search conditions for searching for users engaged in real estate management is received from the users of the financial institution. In response to the search conditions input at the terminal device of the financial institution, the server 20 refers to the user information database 281 and the real estate information database 282, and transmits information on the users engaged in real estate management that are the search results to the terminal device of the financial institution. For example, the server 20 receives an input of search conditions from the users of the financial institution based on each item of the user information database 281 or each item of the real estate information database 282. Specifically, the server 20 may receive an input of search conditions from the users of the financial institution regarding the real estate properties that the users engaged in real estate management have "under consideration for purchase". For example, the amount of borrowing required for the acquisition of the real estate property "under consideration for purchase" is received as a search condition.

[0094] In addition, the server 20 may transmit to the terminal device of the financial institution information such as "owned", "under consideration for purchase", "consideration aborted", "sold" etc. that each user engaged in real estate management has set for each real estate property, based on the user information database 281. The server 20 may also enable the transmission of messages etc. from the users of the financial institution to the users engaged in real estate management. As a result, the users of the financial institution can confirm the information on the real estate properties owned by each user engaged in real estate management and the real estate properties under consideration for purchase, and can make offers such as a lending request to the users engaged in real estate management.

[0095] As a result, financial institutions can easily check the necessary basic real estate information (rental / sale status list, monthly income and expenditure statement, annual performance statement, repair history list, borrowing status list, etc.). In addition, when a financial institution determines that the collateral evaluation amount of the user significantly exceeds the outstanding borrowing balance, it can propose financing to the user. Therefore, a matching service can be provided between real estate operators who hope to borrow purchase funds and financial institutions that hope to lend.

[0096] (2) Registration of Sub-users The server 20 may receive an operation from the user to register a sub-user ID associated with the user's own user ID (main user ID) and create at least one sub-user ID. For example, when the user enters an email address, the server 20 creates a sub-user ID corresponding to the email address. As a result, the sub-user can access the information of the main user.

[0097] In addition, the server 20 may manage the permissions of each sub-user according to the settings of the main user. For example, the main user specifies the real estate ID of the real estate information that each sub-user can access, and the sub-user can only access specific real estate held by the main user. Also, the main user may restrict the operations that each sub-user can perform on the real estate information. For example, according to the settings of the main user, a predetermined sub-user can view the predetermined real estate information held by the main user or register new real estate information.

[0098] Further, the server 20 may transfer the sub-user ID among main users or promote the sub-user ID to the main user ID. For example, as an example of transferring the sub-user ID among main users, assume that there is a first main user "User 1", a second main user "User 2", and a first sub-user "User 3" associated with the first main user "User 1". Assume that the first main user "User 1" is the real estate management company of the first sub-user "User 3". The association between the first sub-user "User 3" and the first main user "User 1" is released, and the first sub-user "User 3" is associated with the second main user "User 2". For example, there may or may not be some relationship between the first main user "User 1" and the second main user "User 2", such as being companies in the same group or branch offices. For example, due to some circumstances such as the management jurisdiction of the first sub-user "User 3" being changed to the second main user "User 2", the first sub-user "User 3" is transferred between the first main user "User 1" and the second main user "User 2".

[0099] Also, the server 20 may prevent the sub-user from accessing the information of the main user's real estate until a predetermined condition is satisfied, and enable the sub-user to access the information of the main user's real estate in response to satisfying the predetermined condition. Here, satisfying the predetermined condition includes that the main user has reached a specific state.

[0100] For example, the main user mentioned here may be the decedent, and the sub-user may be the heir. By designating at least one heir as a sub-user, the heir can access the real estate information held by the decedent, the real estate information under consideration for purchase, etc. This makes it possible to easily share the main user's real estate information with the sub-user and provide information beneficial for inheritance negotiations. Also, based on the analysis results of the real estate, as an inheritance countermeasure, it is possible to propose the sale, purchase, or arrangement of the real estate, etc., and provide useful materials to the user. Here, the server 20 may enable the sub-user to share the real estate information of the main user in response to information indicating that the main user is in a situation of succession to the sub-user. For example, in response to the server 20 receiving a notification that the main user, who is the decedent, has passed away, access by the sub-user to the real estate information of the main user may be enabled.

[0101] Also, for example, the main user mentioned here may be a real estate operator, and the sub-users may be experts such as tax accountants, lawyers, real estate appraisers, and real estate management companies. By designating an expert as a sub-user, the expert can access the real estate information held by the real estate operator, the real estate information under consideration for purchase, etc. This makes it possible to easily share the real estate information of the main user with the sub-user. Also, the server 20 may associate the same expert sub-user ID with multiple main user IDs. For example, the server 20 may assign one sub-user ID to the same tax accountant, associate it with the main user IDs of multiple real estate operators, and display the user names of each main user ID on the said sub-user ID.

[0102] <Example of screen> Figures 6, 7, and 8 are diagrams showing example screens of the terminal device of the present disclosure, and are example screens for displaying the results of respective analysis processes.

[0103] FIG. 6 is an example of a screen that displays the results of a profit and loss analysis for a plurality of real estates selected by the user. As shown in FIG. 6, in the terminal device 10, in area 131, an area for selecting a real estate is displayed. The real estates registered by the user are presented according to their status (such as in possession, under consideration for purchase, etc.), and the real estates selected by the user are displayed as black squares (in FIG. 6, property 1 in possession and property 2 under consideration for purchase are selected).

[0104] Thereby, the user can narrow down the real estates to be analyzed by status, and can simultaneously specify and analyze a plurality of real estates in different statuses.

[0105] In addition, in area 132, parameters for comprehensively evaluating the profit and loss situation of a plurality of real estates selected by the user are displayed. In FIG. 6, the "comprehensive profit and loss evaluation", which is a parameter for comprehensively evaluating the profit and loss situation by combining property 1 in possession and property 2 under consideration for purchase, is displayed in numerical form.

[0106] In addition, in area 133, the profit and loss situations of a plurality of real estates selected by the user are such that each profit and loss item (such as operating income, rental level, operating expenses, damage insurance premiums, repair costs, maintenance and management fees, etc.) is displayed in the same graph. In FIG. 6, the profit and loss situation (target real estate) when combining property 1 in possession and property 2 under consideration for purchase is displayed in a single radar chart (referred to as a score map) for each profit and loss item, and each profit and loss item (operating income, rental level, operating expenses, damage insurance premiums, repair costs, maintenance and management fees) is displayed in the same graph. In addition, the first quartile, median, and third quartile of each profit and loss item calculated by extracting a predetermined number of real estates from the real estate information stored in the real estate management system 1 are displayed in the same graph as the profit and loss situations of the plurality of real estates selected by the user.

[0107] In addition, for the area 134, each income and expense item of the multiple real estates selected by the user is displayed in detail. In FIG. 6, for the income and expense situation (target real estate) in the case of combining the property 1 in possession and the property 2 under consideration for purchase, the operating income per square meter is displayed as a straight line in the scatter diagram. Also, the first quartile, median, average value, and third quartile of the operating income per square meter of the real estates by region stored in the real estate management system 1 are respectively displayed as points in the scatter diagram and are displayed in a comparable manner to the target real estate. In addition to the operating income per square meter, for the target real estate selected by the user, the operating expenses (comparison with real estates by floor area), rental levels (comparison with real estates by region), repair costs (comparison with real estates by age of construction), maintenance and management costs (comparison with real estates by floor area), operating income and expenses (comparison with real estates by region), etc. may be displayed.

[0108] As a result, while displaying the analysis results of each income and expense item for the multiple real estates in possession or under consideration for purchase selected by the user, the comprehensive income and expense analysis results are clearly displayed, and the user can easily grasp the income and expense situations of these real estates.

[0109] FIG. 7 is an example of a screen displaying the results of a comparative analysis for the multiple real estates selected by the user. As shown in FIG. 7, in the terminal device 10, in the area 131, an area for selecting real estate is displayed. The real estates registered by the user are presented according to their status (in possession, under consideration for purchase, under consideration for sale, etc.), and the real estates selected by the user are displayed as black squares (in FIG. 7, the property 4 in possession and the properties 5 and 6 under consideration for purchase are selected).

[0110] As a result, the user can narrow down the real estates to be analyzed according to their status and can simultaneously specify and analyze multiple real estates in different statuses.

[0111] In addition, for the portfolio consisting of multiple real estates selected by the user in area 135, the results of the analysis process for each real estate are presented in a comparable manner. In FIG. 7, the ratio of repair cost per square meter to rental level for each of the property 4 held, the property 5 under consideration for purchase, and the property 6 is displayed in a comparable manner in one graph, and the regression lines obtained from the ratio of repair cost per square meter to rental level for each are also displayed in one graph. In addition to the ratio of repair cost per square meter to rental level, for each real estate within the portfolio selected by the user, the ratio of NOI (net operating income) to acquisition price, the ratio of NOI return on investment to acquisition price return on investment, the ratio of NOI return on investment to rental level, the ratio of inheritance tax appraisal value to appraisal value, etc. may also be displayed.

[0112] In area 136, for the portfolio consisting of multiple real estates selected by the user, predetermined elements are extracted, and for each of the predetermined elements of each real estate, a ratio analysis is performed, and the results of the analysis process are presented in a comparable manner. In FIG. 7, the respective ratios of the acquisition price, appraisal value, outstanding loan balance, and inheritance tax appraisal value of the property 4 held, the property 5 under consideration for purchase, and the property 6 to the total are displayed in comparable manner in respective pie charts. Also, the ratio analysis for multiple items may be displayed in a comparable manner in one graph. For example, the ratio analysis for the acquisition price of each property and the ratio analysis for the outstanding loan balance of each property may be displayed in one double donut graph.

[0113] As a result, the analysis results for the portfolio consisting of multiple real estates held or under consideration for purchase selected by the user can be presented in a comparable manner, so information useful for real estate investment, such as comparing the real estate under consideration for purchase with the real estate held, can be provided. In addition, the respective analysis results for the multiple real estates within the portfolio can be displayed in the same screen table, and the analysis results can be presented in a manner that is easy for the user to visually recognize.

[0114] FIG. 8 is an example of a screen that displays the results of an analysis of the borrowing situation for a plurality of real estates selected by the user. As shown in FIG. 8, in the terminal device 10, in area 131, an area for selecting a real estate is displayed. The real estates registered by the user are presented according to their status (such as in possession, under consideration for purchase, etc.), and the real estates selected by the user are displayed as black squares (in FIG. 8, property 1 in possession and property 2 under consideration for purchase are selected).

[0115] As a result, the user can narrow down the real estates to be analyzed according to their status, and can simultaneously specify and analyze a plurality of real estates in different statuses.

[0116] Also, in area 137, the overall borrowing situation for the plurality of real estates selected by the user is presented. In FIG. 8, the future overall outstanding loan balance (loan balance), cash flow, and cumulative cash flow in the case of combining property 1 in possession and property 2 under consideration for purchase are presented. In the example of FIG. 8, the number of years elapsed is represented on the horizontal axis, and two types of bar graphs are displayed for each year. In the illustrated example, the left bar graph for each year indicates the "outstanding loan balance (loan balance)", and the right bar graph indicates the "cumulative cash flow".

[0117] As a result, it is possible to present the analysis results of the overall borrowing situation for the plurality of real estates in possession or under consideration for purchase selected by the user. Therefore, it is possible to provide information useful for real estate investment, such as performing a cash flow simulation in the case of combining real estates under consideration for purchase in addition to real estates in possession.

[0118] <Second Embodiment> In the above example, an embodiment has been described in which analysis processing is performed on at least one real estate property that the user owns or is considering purchasing. However, the data to be analyzed here is not limited to real estate investment information, and may be for at least one business operator or business that the user is investing in or considering investing in. This can provide the user with information useful for investing in business operators or businesses. Here, the business operator may be a listed company, an unlisted company, or any other organization conducting business, etc.

[0119] In addition, a business operator may have multiple businesses. Here, a business may be defined as the business area uniquely defined by the business operator. Also, a business may refer to, for example, generally established business classifications, industrial classifications, or industry classifications such as "retail", "transportation", "food and beverage", etc. For example, at a stock exchange, an industry classification may be assigned together with a stock symbol. Also, in a publication recording information of listed companies, an industrial classification may be shown. Also, businesses may include real estate management and real estate investment businesses.

[0120] <1 Data Structure> FIG. 9 is a diagram showing the data structures of the user information database 281A and the business operator information database 282A stored in the server 20.

[0121] As shown in FIG. 9, each record of the user information database 281A includes an item "user ID" and an item "registered business operator", etc.

[0122] The item "user ID" is information for identifying each user. In the user information database 281A, information such as the name of the user may be held in association with the information for identifying the user.

[0123] The item "Registered Business Operators" is the information of the business operators registered by each user when using the business management system 200. Specifically, as "Registered Business Operators", the business operator IDs are stored according to the status of the business operators specified by the user (such as in investment, under investment consideration, consideration aborted, etc.).

[0124] For example, when a user registers the detailed information of a business operator in investment, the server 20 refers to the user information database 281A and stores the business operator as a "business operator in investment" for the user. Also, when the user searches for business operators stored in the business management system 200 under predetermined search conditions (such as industry type, area, listing category, keyword, etc.) and designates the business operators meeting the search conditions as business operators under investment consideration, the server 20 stores the business operators as "business operators under investment consideration".

[0125] Each record in the business operator information database 282A includes an item "Business Operator ID" and an item "Detailed Information", etc. For each record in the business operator information database 282A, for example, when the server 20 receives an operation from the user to register business operator information, the server 20 may update in the business operator information database 282A the content invested by the user (such as the amount invested, purchase price when obtaining shares, purchase time, etc.) in association with the information identifying the business operator. The server 20 may also receive an operation from the user to register a business operator and register the business operator information in the business operator information database 282A. Further, the server 20 may register as a business operator in the business operator information database 282A by crawling the business operator information from the Web, the website of the business company, etc.

[0126] The item "Business Operator ID" is the information that identifies each business operator.

[0127] The item "Detailed Information" is detailed information about each operator, specifically including physical matters, financial matters, operating income, investment amount, etc. of each operator. The detailed information of the operator is used when analyzing and processing the operator.

[0128] The item "Physical Matters" is information for identifying each operator, specifically including information about the operator name, address, business content, history, officers, affiliated companies, etc. The server 20 may also hold information on the business classification, industrial classification, and industry classification of the operator in association with the operator's information in the item "Physical Matters" or the like.

[0129] The item "Financial Matters" is information regarding the financial status of each operator, specifically including information about the total asset amount, own capital amount, net profit for the current period, number of issued shares, stock price, etc. The server 20 may hold information regarding the financial status in the item "Financial Matters" according to the business classification to which the operator belongs. For example, when the operator is engaged in the business of "retail", information such as "inventory turnover rate", which is information that tends to be noted in the business classification, may be held as information regarding the financial status in the item "Financial Matters" or the like. For example, in the case of the business of "food and beverage", the server 20 may also hold, as information regarding the financial status of the business, the rate at which customers visiting the store rotate.

[0130] The item "Operating Income" is information indicating the income obtained by continuously investing in each operator, specifically including information about the stock price at the time of purchase, number of shares held, dividend, etc. For example, the server 20 may also hold information such as the stock price at the time of purchase, number of shares held, purchase time, and sale time of the user in association with the user's information in the item "Operating Income".

[0131] The item "Investment Amount" is information indicating the amount paid when investing in each operator. For example, the server 20 may also hold information about the amount invested by the user and the investment time in association with the user's information in the item "Investment Amount".

[0132] <2 Operations> FIG. 10 is a flowchart showing an example of a process flow for performing analysis processing on at least one operator in which the user is investing or considering investment in the terminal device 10.

[0133] In step S611, the terminal device 10 receives an operation from the user to register an operator. For example, the terminal device 10 receives an operation from the user to input detailed information about the operator in which the user is investing. Alternatively, the terminal device 10 receives an operation from the user to specify an operator that satisfies the desired investment conditions as an operator "under investment consideration".

[0134] In step S621, the server 20 stores, in the storage unit 202, separately, the investment information that is the information of the investment destination held by the user and the information under investment consideration that is the information of the investment destination in which the user is considering investment. The server 20 presents to the user the information in which the user is investing or the information under investment consideration. For example, the server 20 presents to the user various information (physical matters, right aspects, operating income, operating expenses, etc.) of the operator in which the user is investing or the operator under investment consideration.

[0135] In step S612, the terminal device 10 receives an operation from the user to select at least one operator shown in the presented investment information or information under investment consideration. For example, when the user wants to know the financial situation when investing in some of the operators under investment consideration in addition to all the operators in which the user is investing, the user performs an operation of selecting all the operators in which the user is investing and the said some of the operators under investment consideration.

[0136] In step S622, the server 20 performs analysis processing on the financial situation of the at least one selected operator based on the investment information or the information under investment consideration. For example, the server 20 performs the following analysis processing.

[0137] (1) Financial analysis The server 20 performs a financial analysis on at least one operator that the user has selected and is either investing in or considering investing in.

[0138] (1-1) Financial analysis of each operator Based on the detailed information of each operator that the user has selected and is either investing in or considering investing in, the server 20 calculates, as items, the market capitalization, ROE (Return on Equity), ROA (Return on Assets), BPS (Book-value Per Share), EPS (Earnings Per Share), PSR (Price Sales Ratio), PER (Price Earnings Ratio), etc. of each operator, and performs a financial analysis on each operator.

[0139] In addition, based on the operator information registered by the user and the operator information stored in the business management system 200, the server 20 extracts a predetermined number of operators, and calculates values at predetermined positions when arranged based on the magnitudes of the values of the operators of the predetermined number of samples in each item (such as market capitalization, ROE, ROA, BPS, EPS, etc.), namely, the first quartile, median, and third quartile of each item. Thus, the server 20 may perform a comparative analysis with each item of each operator that the user has selected and is either investing in or considering investing in. In this way, for each item of the results of the financial analysis of each operator selected by the user, the server 20 can be made comparable with the comparative values calculated based on the detailed information of the operators of the predetermined number of samples.

[0140] In addition, based on the detailed information of each operator that the user has selected and is either investing in or considering investing in, the server 20 may calculate parameters for evaluating each operator. For example, based on the calculated items, the server 20 comprehensively evaluates the investment situation of each operator and calculates a comprehensive income and expenditure evaluation parameter for each operator in numerical form.

[0141] In addition, based on the detailed information of each operator that the user has selected and is either investing in or considering investing in, the server 20 may predict each future item (such as market capitalization, ROE, ROA, BPS, EPS, etc.) of each operator and perform a future financial analysis on each operator.

[0142] (1-2) Financial analysis of multiple operators Based on the detailed information of multiple operators that the user has selected as being under investment or under consideration for investment, the server 20 calculates, as items, the average values such as the total market value, ROE, ROA, etc., the values based on the average such as variance, when the multiple operators are combined, and also the values at predetermined positions when arranged based on the magnitude of values such as the first quartile, median, and third quartile, and performs a financial analysis by combining the multiple operators.

[0143] In addition, based on the operator information of other users who are under investment or under consideration for investment, in addition to the operator information registered by the user, the server 20 extracts a predetermined number of operators, calculates the first quartile, median, and third quartile of each item (total market value, ROE, ROA, BPS, EPS, etc.), and may perform a comparative analysis with the items when multiple operators selected by the user as being under investment or under consideration for investment are combined.

[0144] In addition, based on the detailed information of multiple operators that the user has selected as being under investment or under consideration for investment, the server 20 may calculate parameters for evaluating by combining the multiple operators. For example, based on each item when the multiple operators are combined, the server 20 comprehensively evaluates the investment situation by combining the multiple operators, and calculates a comprehensive evaluation parameter for the balance of payments when the multiple operators are combined in numerical form.

[0145] As a result, for at least one operator that the user has selected as being under investment or under consideration for investment, it is possible to perform a financial analysis for each operator and also a financial analysis when multiple operators are combined. For example, in addition to the operators under investment, it is possible to perform a financial analysis when investing in the operators under consideration for investment. Therefore, it is possible to provide information useful for the investment in operators.

[0146] In addition, based on the detailed information of multiple operators that the user has selected and is either investing in or considering investing in, the server 20 may predict each future item (such as market capitalization, ROE, ROA, BPS, EPS, etc.) of the multiple operators and perform future financial analysis by combining the multiple operators.

[0147] (1-3) Extraction of operators similar to the selected operator Based on the financial analysis of at least one operator that the user has selected and is either investing in or considering investing in, the server 20 extracts information on operators similar to the selected at least one operator from the investment information or information under investment consideration of other users.

[0148] For example, the server 20 extracts information on operators similar to the investment situation of the operator that the user has selected and is considering investing in from the investment information of other users. In addition, based on the information of the extracted similar operators, the server 20 may calculate each item (such as market capitalization, ROE, ROA, BPS, EPS, etc.) of the similar operators and present it in a comparable manner to the operator selected by the user.

[0149] Thereby, information on operators similar to the operator selected by the user can be extracted from the operator information stored in the operator management system, and information useful for the investment in the operator can be provided.

[0150] (2) Portfolio analysis For a portfolio consisting of multiple operators that the user has selected and is either investing in or considering investing in, the server 20 presents the results of the analysis processing of each operator in a comparable manner. For example, for multiple operators that the user has selected and is either investing in or considering investing in, the server 20 identifies and comparatively analyzes multiple items such as the stock price per share, dividend per share, ROE, ROA, etc. of each operator, and displays the analysis results associated with each of the multiple items in one graph. For example, it is displayed as shown in FIG. 11.

[0151] As shown in FIG. 11, the server 20 receives, from the user, designations of the businesses in which investment is being made and the businesses under investment consideration on the display unit 131A. The server 20 displays, on the display unit 132A, parameters evaluating the goodness of the results of financial analysis based on the information of the businesses in which investment is being made or under investment consideration designated by the user. The server 20 displays, in the graph display unit 133A, each of a plurality of financial items (six financial items are shown in the illustrated example) adjacent to each other in a polygonal shape, thereby associating and displaying each of the plurality of financial items. The server 20 displays, for each financial item, information on the businesses in which investment is being made and the businesses under investment consideration designated by the user (the “target businesses” in the example shown in FIG. 11) so as to be comparable with the values of each financial item of a predetermined number of businesses. In the illustrated example, the values of the first quartile, the median, and the third quartile are displayed so as to be comparable with the information of the businesses designated by the user as values arranged based on the magnitudes of the values of each financial item of a predetermined number of businesses.

[0152] Further, the server 20 extracts predetermined elements of the information on the businesses in which investment is being made or under investment consideration, performs a ratio analysis on the respective predetermined elements of each business, and presents the results of the analysis process so as to be comparable. For example, the server 20 performs a ratio analysis on the investment amounts of each of a portfolio consisting of a plurality of businesses in which investment is being made and under investment consideration selected by the user, and displays, in one graph, the respective ratios in the total investment amount of the plurality of businesses.

[0153] The server 20 may present the results of analysis processing on the future investment status of each of a portfolio consisting of a plurality of businesses in which investment is being made or under investment consideration selected by the user so as to be comparable.

[0154] Thereby, the analysis results for a portfolio consisting of a plurality of businesses in which investment is being made or under investment consideration selected by the user can be presented so as to be comparable, so that information useful for the investment in the businesses, such as comparing the businesses under investment consideration with the businesses in which investment is being made or evaluating the investment status of the business portfolio, can be provided.

[0155] In step S623, the server 20 transmits the result of the analysis process to the terminal device 10. For example, the server 20 transmits to the terminal device 10 the result of the investment analysis when combining the business operators in which the user has invested and the business operators under investment consideration.

[0156] In step S613, the terminal device 10 displays and presents the result of the analysis process to the user. For example, the terminal device 10 displays and presents to the user the result of the financial analysis when combining the business operators in which the user has invested and the business operators under investment consideration.

[0157] Through the above series of processes, various analysis processes can be performed on at least one business operator in which the user has invested or is considering investment, and the analysis results can be presented to the user. Therefore, information useful for the investment in the business operator can be provided.

[0158] <3 Variation> In the above example, a financial analysis was performed on the business operator specified by the user using the server 20. However, the server 20 may perform a financial analysis on the business being executed or considered for execution by the business operator.

[0159] <Small parentheses> As described above, according to the present disclosure shown in the first embodiment, various analysis processes can be performed on at least one real estate, business operator, or business held or under consideration for purchase by the user, and the analysis results can be presented to the user. Therefore, information useful for real estate investment can be provided.

[0160] According to the present disclosure shown in the second embodiment, an analysis process can be performed to provide information useful for the investment in an investment target such as a business operator or a business.

[0161] <Supplementary Note> The matters described in each of the above embodiments are appended below.

[0162] The following describes the matters explained in the first embodiment. (Appendix 1) An information processing apparatus that includes a control unit (203) and a storage unit (202) and provides real estate investment information to a user. The storage unit (202) stores separately the ownership information, which is real estate information held by the user, and the information under consideration for purchase, which is real estate information under consideration for purchase by the user. The control unit (203) performs a real estate information presentation step (S522) of presenting the ownership information or the information under consideration for purchase to the user, a selection reception step (S512) of receiving an operation of selecting at least one real estate indicated by the presented ownership information or the information under consideration for purchase from the user, an analysis step (S523) of performing analysis processing on the management status of the selected at least one real estate based on the ownership information or the information under consideration for purchase, and an analysis result presentation step (S524) of presenting the result of the analysis processing.

[0163] (Appendix 2) The storage unit (202) of the information processing apparatus according to Appendix 1 stores separately the information under consideration for sale, which is real estate information that the user is considering selling, from the ownership information.

[0164] (Appendix 3) In the analysis step (S523), the information processing apparatus according to Appendix 1 or 2 performs a revenue and expenditure analysis on at least one real estate selected from the ownership information or the information under consideration for purchase.

[0165] (Appendix 4) Based on the revenue and expenditure analysis, the information processing apparatus according to Appendix 3 calculates (S523) a parameter for evaluating the value of at least one real estate selected from the ownership information or the information under consideration for purchase.

[0166] (Appendix 5) Based on the revenue and expenditure analysis, the information processing apparatus according to Appendix 3 extracts real estate information similar to at least one real estate selected from the user's ownership information or the information under consideration for purchase from the ownership information or the information under consideration for purchase of other users.

[0167] (Appendix 6) The information processing apparatus according to Appendix 1 or 2, which in an analysis step (S523), presents the results of the analysis processing of each of a plurality of real estates selected from the ownership information or the information under consideration for purchase in a comparable manner.

[0168] (Appendix 7) The information processing apparatus according to Appendix 6, which extracts predetermined elements of the ownership information or the information under consideration for purchase, performs a ratio analysis on the predetermined elements of each real estate, and presents the results of the analysis processing in a comparable manner (S523).

[0169] (Appendix 8) The information processing apparatus according to Appendix 1 or 2, which in an analysis step (S523), performs a borrowing situation analysis on at least one real estate selected from the ownership information or the information under consideration for purchase.

[0170] (Appendix 9) The information processing apparatus according to Appendix 8, which predicts the overall future cash flow for a plurality of real estates selected by the user based on the analysis results of the income and expenditure analysis and the borrowing situation analysis (S523).

[0171] (Appendix 10) The information processing apparatus according to any one of Appendices 1 to 9, which presents the results of the analysis processing related to at least one real estate selected from the ownership information or the information under consideration for purchase to a financial institution.

[0172] (Appendix 11) The information processing apparatus according to any one of Appendices 1 to 10, wherein the control unit receives an access from a terminal device of another user who offers to provide funds to the user, and matches the user with the other user.

[0173] (Appendix 12) The information processing apparatus according to Appendix 11, wherein in the matching, the control unit receives an input of a search condition related to the real estate information of the user stored in the storage unit from the other user, and responds to the terminal device of the other user with the user who satisfies the search condition.

[0174] (Appendix 13) An information processing apparatus that includes a control unit and a storage unit and provides real estate investment information to a user. The control unit performs steps of presenting real estate information to the user, receiving an operation from the user to select at least one of the presented real estate properties, performing analysis processing on the management status of the selected at least one real estate property, and presenting the result of the analysis processing. In the step of performing the analysis processing, a revenue and expenditure analysis is performed on at least one real estate property selected by the user, and each of a plurality of revenue and expenditure items is analyzed. In the step of presenting, each revenue and expenditure item of the selected one real estate property or each revenue and expenditure item in the case of combining the selected plurality of real estate properties is presented on the same screen in a form comparable to the comparison value of each revenue and expenditure item calculated based on real estate information of a predetermined sample size.

[0175] (Appendix 14) In the presenting step, as the comparison value of each revenue and expenditure item, at least one of the group consisting of a value based on the average of real estate information of a predetermined sample size or a value at a predetermined position when arranged based on the magnitude of the value of each revenue and expenditure item of the real estate information of a predetermined sample size is presented in a form comparable to the revenue and expenditure item of the real estate property subject to the selection. The information processing apparatus according to Appendix 13.

[0176] (Appendix 15) In the presenting step, as the comparison value of each revenue and expenditure item, at least one of the group consisting of the first quartile, median, average value, and third quartile of each revenue and expenditure item calculated based on real estate information of a predetermined sample size is presented in a form comparable to the revenue and expenditure item of the real estate property subject to the selection. The information processing apparatus according to (Appendix 14).

[0177] (Appendix 16) A program that includes a processor and a memory and provides real estate investment information to a user. The program causes the processor to perform steps of presenting real estate information to the user, receiving an operation from the user to select at least one of the presented real estate properties, performing analysis processing on the management status of the selected at least one real estate property, and presenting the result of the analysis processing. In the step of performing the analysis processing, a profit and loss analysis is performed on at least one real estate property selected by the user, and each of a plurality of profit and loss items is analyzed. In the step of presenting, each profit and loss item of one selected real estate property or each profit and loss item when combining a plurality of selected real estate properties is presented on the same screen in a form comparable to the comparison value of each profit and loss item calculated based on real estate information of a predetermined sample size.

[0178] (Appendix 17) A method executed by a computer including a processor and a memory that provides real estate investment information to a user. The method includes steps in which the processor presents real estate information to the user, receives an operation from the user to select at least one of the presented real estate properties, performs analysis processing on the management status of the selected at least one real estate property, and presents the result of the analysis processing. In the step of performing the analysis processing, a profit and loss analysis is performed on at least one real estate property selected by the user, and each of a plurality of profit and loss items is analyzed. In the step of presenting, each profit and loss item of one selected real estate property or each profit and loss item when combining a plurality of selected real estate properties is presented on the same screen in a form comparable to the comparison value of each profit and loss item calculated based on real estate information of a predetermined sample size.

[0179] The matters described in the second embodiment are appended below.

[0180] (Appendix 2-1) An information processing apparatus that includes a control unit and a storage unit and provides investment information to a user. The control unit performs the steps of presenting information on each business operator or business that is a candidate for an investment destination to the user, receiving an operation of selecting at least one business operator or business from the user, performing analysis processing on the financial situation of the selected at least one business operator or business, and presenting the result of the analysis processing. In the step of performing the analysis processing, a financial analysis is performed based on the information of the at least one business operator or business selected by the user, and each of a plurality of financial items is analyzed. In the step of presenting, each financial item of the selected one business operator or business, or each financial item in the case of combining the selected plurality of business operators or businesses is associated with each other to form one graph, and in the said graph, it is presented on the same screen in a form comparable to the comparison value of each financial item of each business operator or business of a predetermined sample number.

[0181] (Appendix 2-2) In the presenting step, as the comparison value of each financial item, at least one of the group consisting of a value based on the average of a predetermined sample number of business operators or businesses, or a value at a predetermined position when arranged based on the magnitude of the value of each financial item of a predetermined sample number of business operators or businesses is presented in a form comparable to the financial item of the business operator or business related to the selection. The information processing apparatus according to (Appendix 2-1).

[0182] (Appendix 2-3) In the presenting step, as the comparison value of each financial item, at least one of the group consisting of the first quartile, median, average value, and third quartile of each financial item calculated based on the information of a predetermined sample number of business operators or businesses is presented in a form comparable to the financial item of the business operator or business related to the selection. The information processing apparatus according to (Appendix 2-2).

[0183] (Appendix 2-4) Calculate a parameter for evaluating the financial situation of at least one business operator or business selected from the enterprise information of the invested enterprise or the enterprise information under investment consideration based on the financial analysis. The information processing apparatus according to (Appendix 2-3).

[0184] (Appendix 2-5) An information processing apparatus described in any one of (Appendix 2-1) to (Appendix 2-4), wherein the plurality of financial items include at least items of ROE (Return on Equity) and ROA (Return on Assets).

[0185] (Appendix 2-6) An information processing apparatus described in any one of (Appendix 2-1) to (Appendix 2-5), wherein the plurality of financial items include at least items of BPS (Book-value Per Share) and EPS (Earnings Per Share).

[0186] (Appendix 2-7) A program that is executed on a computer including a processor and a memory and provides investment information to a user. The program causes the processor to perform steps of presenting information on each business operator or business that is a candidate for an investment destination to the user, receiving an operation of selecting at least one business operator or business from the user, performing analysis processing on the financial situation of the selected at least one business operator or business, and presenting the result of the analysis processing. In the step of performing the analysis processing, financial analysis is performed based on the information of the at least one business operator or business selected by the user, and each of the plurality of financial items is analyzed. In the step of presenting, each financial item of the selected one business operator or business, or each financial item in the case of combining the selected plurality of business operators or businesses is associated with each other to form one graph, and in the graph, it is presented on the same screen in a form comparable to the comparison values of each financial item of each business operator or business of a predetermined sample number.

[0187] (Appendix 2-8) A method executed by a computer including a processor and a memory for providing investment information to a user, the method comprising: a step in which the processor presents to the user information on each business operator or business that is a candidate for an investment destination; a step in which the processor receives from the user an operation of selecting at least one business operator or business; a step in which the processor performs an analysis process on the financial situation of the at least one selected business operator or business; and a step in which the processor presents the result of the analysis process. In the step of performing the analysis process, a financial analysis is performed based on the information of the at least one business operator or business selected by the user, and each of a plurality of financial items is analyzed. In the step of presenting, each financial item of one selected business operator or business, or each financial item in the case of combining a plurality of selected business operators or businesses, is associated with each other to form one graph, and in the graph, the comparison values of each financial item of each business operator or business of a predetermined sample size are presented on the same screen in a comparable form.

[0188] (Appendix 2-9) An information processing apparatus including a control unit and a storage unit is provided for providing business operator or business investment information to a user. The control unit performs a selection reception step of receiving from the user an operation of selecting at least one business operator or business indicated in the presented invested information or information under consideration for investment, an analysis step of performing an analysis process on the financial situation of the at least one selected business operator based on the investment information or information under consideration for investment, and an analysis result presentation step of presenting the result of the analysis process. In the step of presenting, each financial item of one selected business operator or business, or each financial item in the case of combining a plurality of selected business operators or businesses, is presented on the same screen in a form comparable to the values at a predetermined first position and a second position when arranged based on the magnitudes of the values of each financial item of each business operator or business information of a predetermined sample size.

Explanation of Reference Numerals

[0189] 10 Terminal device, 20 Server, 80 Network, 22 Communication IF, 23 Input / output IF, 25 Memory, 26 Storage, 29 Processor, 201 Communication section, 202 Storage section, 281 User information database, 282 Information database, 203 Control section.

Claims

1. An information processing apparatus that includes a control unit and a storage unit and provides investment information to a user, wherein the control unit performs a step of presenting to the user information on each operator or business that is a candidate for an investment destination, performs a step of receiving an operation by which the user selects at least one operator or business, performs a step of performing analysis processing on the financial situation of the at least one selected operator or business, and performs a step of presenting the result of the analysis processing, in the step of performing the analysis processing, performs financial analysis based on information on the at least one operator or business selected by the user, and analyzes each of a plurality of financial items, in the step of presenting, associates each financial item of one selected operator or business, or each financial item in the case of combining a plurality of selected operators or businesses, as one graph, and presents the graph on the same screen in a form comparable to the comparison value of each financial item of each operator or business of a predetermined sample size. An information processing apparatus.

2. In the step of presenting, as the comparison value of each financial item, at least one of the group consisting of a value based on the average of the operators or businesses of the predetermined sample size, or a value at a predetermined position when arranged based on the magnitude of the value of each financial item of the operators or businesses of the predetermined sample size, is presented in a form comparable to the financial item of the operator or business related to the selection. The information processing apparatus according to claim 1.

3. In the step of presenting, as the comparison value of each financial item, at least one of the group consisting of the first quartile, median, average value, and third quartile of each financial item calculated based on the information of the operators or businesses of the predetermined sample size is presented in a form comparable to the financial item of the operator or business related to the selection. The information processing apparatus according to claim 2.

4. Calculates a parameter for evaluating the financial situation of the at least one operator or business selected from the enterprise information of the invested enterprise or the enterprise information under investment consideration based on the financial analysis. The information processing apparatus according to claim 3.

5. Among the plurality of financial items, at least items of ROE (Return on Equity) and ROA (Return on Assets) are included. The information processing apparatus according to any one of claims 1 to 4.

6. The information processing apparatus according to any one of claims 1 to 5, wherein the plurality of financial items include at least items of BPS (Book-value Per Share) and EPS (Earnings Per Share).

7. A program for causing a computer including a processor and a memory to execute to provide investment information to a user, the program causing the processor to present information on each business operator or business that is a candidate for an investment destination to the user; receive an operation of selecting at least one business operator or business from the user; perform analysis processing on the financial situation of the at least one selected business operator or business; present the result of the analysis processing, and in the step of performing the analysis processing, perform financial analysis based on the information of the at least one business operator or business selected by the user, and analyze each of a plurality of financial items; In the presenting step, each financial item of one selected business operator or business, or each financial item in the case of combining a plurality of selected business operators or businesses is associated with each other to form one graph, and in the graph, the comparison values of each financial item of each business operator or business of a predetermined sample size are presented on the same screen in a comparable form.

8. A method executed by a computer including a processor and a memory to provide investment information to a user, the method including the processor presenting information on each business operator or business that is a candidate for an investment destination to the user; receiving an operation of selecting at least one business operator or business from the user; performing analysis processing on the financial situation of the at least one selected business operator or business; presenting the result of the analysis processing, and in the step of performing the analysis processing, performing financial analysis based on the information of the at least one business operator or business selected by the user, and analyzing each of a plurality of financial items; In the step of presenting, one financial item of each of the selected one operator or business, or each financial item in the case of combining a plurality of selected operators or businesses is respectively associated to form one graph, and in the graph, it is presented on the same screen in a form comparable to the comparison values of each financial item of each of the operators or businesses of a predetermined sample size. Method.

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