Computer system and program allowing user to smoothly proceed from financial planning for purchase of property to purchase thereof

Abstract

To provide a computer system allowing a user to smoothly proceed from a financial planning for purchase of a property to the purchase thereof.SOLUTION: A computer system of the present invention comprises means for acquiring information about a user, means for identifying an amount of money that the user can borrow based at least on the information about the user, means for identifying one or more properties to be presented to the user based at least on the amount of money that the user can borrow, and means for presenting the amount of money the user can borrow and the one or more properties to the user.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present invention relates to a computer system and a program that enable a user to smoothly proceed from a financial plan for purchasing a property to the purchase of the property.

Background Art

[0002] Conventionally, loans (for example, housing loans) are known.

Prior Art Documents

Non-Patent Documents

[0003]

Non-Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] When a user considers purchasing a property, while the user can spend a long time on the conditions of the property desired and searching for land, the examination period for a housing loan after deciding on the property to be purchased (that is, the period for considering from which financial institution to borrow and the period for considering how much to borrow) is extremely short because in many cases, the user has to decide on the property without any time allowance for comparison. Despite the once-in-a-lifetime major contract of "property purchase - loan", the short examination period for a housing loan cannot be said to provide a good user experience. In addition, there is also a situation where the user has to search for a property blindly without knowing how much price range of a property can be purchased.

[0005] The present invention has been made in view of the above-described problems, and an object thereof is to provide a computer system and a program that enable a user to smoothly proceed from a financial plan for purchasing a property to the purchase of the property.

Means for Solving the Problems

[0006] In one aspect of the present invention, the computer system of the present invention is a computer system that enables a user to smoothly proceed from a financial plan for purchasing a property to the purchase of the property, and the computer system includes means for acquiring information about the user, means for specifying the borrowable amount of the user based at least on the information about the user, means for specifying one or more properties to be presented to the user based at least on the borrowable amount of the user, and means for presenting the borrowable amount and the one or more properties of the user to the user.

[0007] In one embodiment of the present invention, the borrowable amount includes a maximum borrowable amount, the information about the user includes at least one of the user's personal credit information, information indicating the user's address, information indicating the user's place of work, and information indicating the user's family composition, and specifying the borrowable amount of the user based at least on the information about the user may include specifying the maximum borrowable amount of the user based on at least one of the user's personal credit information, information indicating the user's address, information indicating the user's place of work, and information indicating the user's family composition.

[0008] In one embodiment of the present invention, specifying the one or more properties to be presented to the user based at least on the borrowable amount may include specifying the one or more properties to be presented to the user based on at least one of the maximum borrowable amount, information indicating the user's address, information indicating the user's place of work, and information indicating the user's family composition.

[0009] In one embodiment of the present invention, identifying the one or more properties to be presented to the user based at least on the borrowable amount may include identifying, as the one or more properties to be presented to the user, properties having a floor plan or floor area corresponding to the family composition of the user and having a property price equal to or less than the upper limit of the borrowable amount.

[0010] In one embodiment of the present invention, identifying the one or more properties to be presented to the user based at least on the borrowable amount may include identifying, as the one or more properties to be presented to the user, properties located within a predetermined property area to which the user's residence belongs among a plurality of predetermined property areas and having a property price equal to or less than the upper limit of the borrowable amount.

[0011] In one embodiment of the present invention, identifying the one or more properties to be presented to the user based at least on the borrowable amount may include identifying, as the one or more properties to be presented to the user, properties located within a predetermined property area to which the user's place of work belongs among a plurality of predetermined property areas and having a property price equal to or less than the upper limit of the borrowable amount.

[0012] In one embodiment of the present invention, the computer system is configured to be communicable with a management system for a real estate company that manages the one or more properties, and the computer system may further include means for identifying a property selected by the user among the one or more properties and means for transmitting information indicating the selected property to the management system.

[0013] In one embodiment of the present invention, transmitting the information indicating the selected property to the management system may include transmitting to the management system the information indicating the selected property and a review result notification indicating that the execution of the financing of the borrowable amount has been tentatively determined.

[0014] In one embodiment of the present invention, the borrowable amount of the user is specified in a preliminary examination regarding the user's borrowing, and the computer system includes means for receiving information indicating the user's conclusion of a contract related to the selected property, and in response to receiving the information indicating the user's conclusion of a contract related to the selected property, further includes means for executing processing for a main examination regarding the borrowing of funds by the user related to the selected property.

[0015] In one embodiment of the present invention, the borrowable amount of the user may be specified without using information regarding the property.

[0016] In one embodiment of the present invention, the computer system is configured to be able to communicate with a system for a financial institution, and the means for specifying the borrowable amount of the user based at least on information regarding the user includes at least means for transmitting information regarding the user to the system for the financial institution, and means for receiving from the system for the financial institution the borrowable amount of the user calculated by the system for the financial institution based at least on information regarding the user.

[0017] In one aspect of the present invention, the program of the present invention is a program executed in a computer system that enables a user to smoothly proceed from a financial plan for purchasing a property to the purchase of the property. The computer system includes a processor unit that controls the operation of the computer system. When the program is executed by the processor unit, the program causes the processor unit to at least acquire information regarding the user, specify the borrowable amount of the user based at least on the information regarding the user, specify one or more properties to be presented to the user based at least on the borrowable amount of the user, and present the borrowable amount of the user and the one or more properties to the user.

Advantages of the Invention

[0018] According to the present invention, it is possible to provide a computer system and a program that enable a user to smoothly proceed from a financial plan for purchasing a property to the purchase of the property.

Brief Description of the Drawings

[0019]

Figure 1

Figure 2

Figure 3A

Figure 3B

Figure 3C

Figure 3D

Figure 4

Modes for Carrying Out the Invention

[0020] Hereinafter, the terms used in this specification are defined.

[0021] The term "personal credit information" refers to information indicating the history of objective past transaction facts.

[0022] 1. A new business model that enables a user to smoothly progress from a financial plan for property purchase to the actual property purchase The applicant proposes a new business model that enables users to smoothly progress from a financial plan for property purchase to the actual purchase. This new business model aims to provide a fair and just system that is stress-free and distortion-free for users by seamlessly connecting the processes necessary for property purchase (i.e., screening, property search, borrowing, property contract) in one-stop, and to realize a truly satisfying property purchase plan and purchase experience. According to this new business model, a user can request a financial institution (e.g., a financial institution the user usually uses) or an operating company (e.g., a bank agent) that operates this new business model to calculate the amount that the user can borrow for property purchase (hereinafter referred to as the "borrowable amount") as a pre-screening directly. The financial institution, in response to the request, calculates the user's borrowable amount before the property the user wishes to purchase is identified and presents properties corresponding to the borrowable amount to the user directly or through the operating company. By doing so, the user can specifically grasp the amount of money on hand including the borrowable amount from the calculated borrowable amount (i.e., clearly grasp the price range that can be purchased or the price range to be considered), and the financial institution and / or the operating company can support the user's property purchase. As a result, the user can accurately know which property can be purchased.

[0023] In addition, since the user is presented not only with the borrowable amount but also with properties corresponding to that borrowable amount, it is possible to smoothly proceed to property hunting. The financial institution calculates the user's borrowable amount as a preliminary review and issues a review result notice indicating that it has tentatively approved the execution of financing for the user's borrowable amount. When the user selects one or more properties from among the presented properties, the financial institution transmits information about the user and the review result notice to the real estate company that manages the one or more properties selected by the user, and the user accesses that real estate company. As a result, users with a relatively high willingness to purchase, for whom borrowing has been substantially promised by the financial institution, are sent to the real estate company, so the real estate company can improve the closing rate of properties and reduce unnecessary advertising costs.

[0024] The financial institution can receive a fee as a system usage fee from the real estate company (or both the real estate company and the user).

[0025] Thus, according to this new business model, it is possible for the user to smoothly progress from the financial plan for property purchase to the property purchase, the real estate company can improve the closing rate of properties and reduce unnecessary advertising costs, and the financial institution can increase its revenue through fees, which is beneficial for all three parties.

[0026] Hereinafter, embodiments of the present invention will be described with reference to the drawings.

[0027] FIG. 1 shows an example of the flow of a new business model that enables a user to smoothly progress from the financial plan for property purchase to the property purchase. However, it is assumed that the operating company (for example, a bank agent) has previously obtained from the real estate company the information necessary to send the user to the real estate company (for example, information about the properties, land, and consultation offices that the real estate company wishes to send customers to). In addition, the information necessary to send the user to the real estate company can be updated to the latest state by the operating company and / or the real estate company. Each step shown in FIG. 1 will be described in detail below.

[0028] Step S101: The user accesses an operating company (e.g., a bank agent) and requests the financial institution to present the user's borrowable amount. The request for presenting the borrowable amount includes, for example, information about the user. Information about the user includes, for example, but is not limited to, the user's occupation, annual income, family composition, address, workplace, etc. The request for presenting the borrowable amount may further include, for example, the amount of money the user wishes to borrow (i.e., the user's desired borrowing amount). Note that the access to the financial institution may be achieved, for example, by the user visiting the operating company's counter, or may be achieved online by the user via a network and / or an application.

[0029] Note that in step S101, the user may need to provide the operating company with evidentiary materials for identity verification and annual income verification. Thereby, the operating company can confirm whether the information about the user provided by the user is correct. The evidentiary materials are, for example, but not limited to, a combination of a health insurance card and a withholding tax statement.

[0030] Step S102: The operating company requests the financial institution to calculate the user's borrowable amount. At this time, the operating company provides the financial institution with the information about the user obtained in step S101.

[0031] Step S103: In response to receiving the request for calculating the borrowable amount from the operating company, the financial institution calculates the user's borrowable amount and provides the calculated borrowable amount to the operating company. The user's borrowable amount is specified based on the information about the user. The user's borrowable amount is calculated, for example, in a pre-review.

[0032] For example, when a request for presenting the borrowable amount further includes the amount of money the user wishes to borrow (i.e., the user's desired borrowing amount), the user's borrowable amount may be the user's desired borrowing amount. When the request for presenting the borrowable amount does not include the user's desired borrowing amount, the user's borrowable amount may be the borrowable upper limit indicating the upper limit value of the amount that the user can borrow.

[0033] For example, a financial institution first calculates the user's borrowable upper limit based on information about the user (such as the user's occupation, annual income, family composition, address, workplace, etc.). When the request for presenting the borrowable amount from the user includes the user's desired borrowing amount, the financial institution determines whether the user's desired borrowing amount is less than the user's borrowable upper limit. If it is determined that the user's desired borrowing amount is less than the user's borrowable upper limit, the user's desired borrowing amount is specified as the user's borrowable amount. When the request for presenting the borrowable amount from the user does not include the user's desired borrowing amount, the financial institution specifies the calculated borrowable upper limit of the user as the user's borrowable amount.

[0034] Step S104: The operating company presents the calculated borrowable amount to the user. In addition to the calculated borrowable amount, the operating company presents to the user one or more properties (for example, one or more properties having a price below the specified borrowable amount) based on the calculated borrowable amount. Thereby, the user can know his / her borrowable amount and view a list of properties that can be purchased with that borrowable amount. Note that the user may be able to change the list of presented properties by adding and / or changing the conditions for presenting the properties. Also, the list of properties presented to the user may be displayed so that there is no duplication of properties (i.e., the same property does not appear multiple times).

[0035] Step S105: The user selects a property that the user wishes to purchase. The property that the user wishes to purchase is selected, for example, from among one or more properties presented based on the user's borrowable amount. When the property that the user wishes to purchase is selected, information indicating the selected property is provided from the user to the operating company.

[0036] Step S106: In response to the property that the user wishes to purchase being selected by the user, the operating company transmits information indicating the selected property to the real estate company that manages the selected property. Thereby, the real estate company can identify the property that a user with relatively high purchase intent wishes to purchase. At this time, the operating company provides the user with information indicating the real estate company that manages the selected property and induces the user to access that real estate company. Thereby, the operating company can realize sending users with relatively high purchase intent to the real estate company. Also, since the real estate company is introduced with users having relatively high purchase intent from a financial institution, the opportunity to serve users with low purchase intent decreases, and it becomes possible to achieve improved customer service efficiency and reduction of advertising costs.

[0037] In addition, the financial institution issues a review result notice indicating that the financial institution has tentatively decided to execute financing for the user's borrowable amount and provides that review result notice to the operating company, and the operating company transmits that review result notice to the real estate company. Thereby, the real estate company can obtain the approval of financing by the financial institution and can actively propose properties with prices below the borrowable amount to the user. Note that an expiration date may be set for the review result notice.

[0038] Step S107: The user accesses the real estate company that manages the property selected by the user. Thereby, for example, the user can conduct an interior inspection of the property selected by the user. When the user decides to purchase the property selected by the user, the user concludes a contract with the real estate company regarding the purchase of the property selected by the user and performs procedures for purchasing the property selected by the user.

[0039] Step S106: In response to the conclusion of the contract for the property selected by the user, the real estate company transmits information indicating the user's conclusion of the contract related to the property selected by the user to the operating company. At this time, since the real estate company concluded the contract due to the customer referral from the operating company, the real estate company pays a commission to the operating company. The commission may be paid in a lump sum from the real estate company to the operating company when there is a customer referral from the operating company, or may be paid in a lump sum from the real estate company to the operating company for the first time when the contract for the purchase of the property is concluded, or a part of it may be paid from the real estate company to the operating company when there is a customer referral from the operating company, and the rest may be paid from the real estate company to the operating company when the contract for the purchase of the property is concluded.

[0040] In response to receiving the information indicating the user's conclusion of the contract related to the property selected by the user, the operating company transmits the information indicating the user's conclusion of the contract related to the property selected by the user to the financial institution, and the financial institution conducts a preliminary examination regarding the borrowing of funds for the user to purchase the property. When the financial institution has officially decided to execute the financing of the user's borrowable amount as a result of this preliminary examination, the financial institution executes the financing of the user's borrowable amount.

[0041] After the user's conclusion of a contract related to the property selected by the user is realized, the operating company may provide the user with incentives for concluding the contract (for example, preferential interest rates, points, coupons, cashbacks, etc.). The existence of the incentives for concluding the contract may be notified to the user, for example, when the user requests a presentation of the loanable amount or when the user selects a property that the user wishes to purchase. Thereby, it is possible to promote the conclusion of the contract for the purchase of the property using this new business model.

[0042] In the embodiment shown in FIG. 1, the operating company (for example, a bank agent) and the financial institution are described as separate organizations, but the present invention is not limited thereto. For example, an embodiment in which the financial institution undertakes the business of the above-described operating company (that is, the financial institution and the operating company are integrated into the same organization) and the user directly communicates with the financial institution is also within the scope of the present invention.

[0043] 2. The configuration of a system for realizing a new business model that enables a user to smoothly progress from a financial plan for property purchase to the actual property purchase FIG. 2 shows an example of the configuration of a system 200 for realizing a new business model that enables a user to smoothly proceed from a financial plan for property purchase to property purchase.

[0044] In the embodiment shown in FIG. 2, the system 200 includes a computer system 210 that enables a user to smoothly proceed from a financial plan for property purchase to property purchase, user devices 2201 to 220 N operated by the user, management systems 2301 to 230 M for a real estate company that manages one or more properties, and a financial system 240 for a financial institution that identifies the user's loanable amount and executes financing. The computer system 210 is connected to each of the user devices 2201 to 220 N and the management systems 2301 to 230 MEach of them is configured to be able to communicate with the financial system 240. Note that the financial system 240 may be further configured to be able to communicate with a system (not shown) for a credit information institution that manages the user's personal credit information. Here, N and M are integers of 1 or more.

[0045] The computer system 210 is an information processing system that executes processing for an operating company (for example, a bank agent) that operates a new business model that enables a user to smoothly proceed from a financial plan for purchasing a property to the purchase of the property. In the embodiment shown in FIG. 2, the computer system 210 includes an interface unit 211, a processor unit 212 including one or more CPUs (Central Processing Units), and a memory unit 213. The computer system 210 may further include an input unit (not shown) for receiving input of information. The hardware configuration of the computer system 210 is not particularly limited as long as its functions can be realized, and it may be configured by a single machine or by combining a plurality of machines.

[0046] The interface unit 211 controls communication with each of the user devices 2201 to 220 N and controls communication with each of the management systems 2301 to 230 M and controls communication with the financial system 240.

[0047] The memory unit 21 has stored therein programs necessary for executing processing and data necessary for executing the programs. Here, it does not matter how the program is stored in the memory unit 213. For example, the program may be pre-installed in the memory unit 213. Alternatively, the program may be installed in the memory unit 213 by being downloaded via a network such as the Internet 250, or may be installed in the memory unit 213 via a storage medium such as an optical disk or a USB.

[0048] The processor unit 212 controls the operation of the entire computer system 210. The processor unit 212 reads out the program stored in the memory unit 213 and executes the program. As a result, the computer system 210 can function as a device that executes desired steps, and the processor unit 212 of the computer system 210 can operate as a means for achieving desired functions.

[0049] In the embodiment shown in FIG. 2, the computer system 210 is connected to the database unit 260. The database unit 260 includes a real estate company database unit 261, an area database unit 262, a family composition database unit 263, and a property database unit 264.

[0050] The user device 2201 is configured to be able to communicate with the computer system 210 via the Internet 250. The user device 2201 may include an interface unit, a processor unit, a memory unit, a display unit, and an input unit. For example, the user device 2201 may be a mobile wireless terminal such as a mobile phone, a smartphone, or a tablet terminal, or may be a personal computer such as a laptop PC or a notebook PC. The user devices 2202 to 220 N is the same.

[0051] The management system 2301 is configured to be able to communicate with the computer system 210 via the Internet 250. The management system 2301 is configured to execute processing for a real estate company. The management system 2301 may have a configuration similar to that of the computer system 210, for example. The management systems 2302 to 230 M is the same.

[0052] The financial system 240 is configured to be able to communicate with the computer system 210 via the Internet 250. The financial system 240 is configured to execute processing for a financial institution. The financial system 240 may have a configuration similar to that of the computer system 210, for example.

[0053] In the embodiment shown in FIG. 2, each of the user devices 2201 to 220 N and each of the management systems 2301 to 230 M has been described as being able to communicate with the computer system 210 via the Internet 250, but the present invention is not limited to this. It is also possible to use any type of network instead of the Internet 250.

[0054] Also, in the embodiment shown in FIG. 2, the database unit 260 is provided outside the computer system 210, but the present invention is not limited to this. It is also possible to provide the database unit 260 inside the computer system 210. The configuration of the database unit 260 is not limited to a specific hardware configuration. For example, the database unit 260 may be composed of a single hardware component or a plurality of hardware components. For example, the database unit 260 may be configured as a single external hard disk device of the computer system 210, or may be configured as storage on the cloud connected via a network. Furthermore, the configuration of each database unit included in the database unit 260 is also not limited to a specific hardware configuration. For example, each database unit included in the database unit 260 may also be composed of a single hardware component or a plurality of hardware components.

[0055] Also, in the embodiment shown in FIG. 2, an example where the computer system 210 communicates with a system (not shown) for a financial institution was described, but the present invention is not limited to this. For example, an embodiment in which the systems for an operating company (e.g., a bank agent) and the system for a financial institution are collectively regarded as the computer system 210 is also within the scope of the present invention, and an embodiment in which the computer system 210 is configured to execute both the processing for the operating company (e.g., a bank agent) and the processing for the financial institution is also within the scope of the present invention.

[0056] FIG. 3A shows an example of the configuration of information stored in the real estate company database section 261.

[0057] The real estate company database section 261 stores information regarding real estate companies. The information regarding real estate companies can be identified by information (real estate company ID) for identifying the real estate company. The information regarding real estate companies includes, for example, the name, location, telephone number, e-mail address, etc. of the real estate company.

[0058] FIG. 3B shows an example of the configuration of information stored in the area database section 262.

[0059] The area database section 262 stores information regarding each of a plurality of predetermined areas. The information regarding an area can be identified by information (area ID) for identifying the area. The information regarding an area includes, for example, information for defining the area, information indicating the characteristics of the area, etc. The information for defining the area may be, for example, information indicating the boundaries of each region, information indicating the boundaries of prefectures, or information indicating the boundaries of municipalities.

[0060] FIG. 3C shows an example of the configuration of information stored in the family composition database section 263.

[0061] The family composition database section 263 stores information indicating the correspondence between family composition, floor plan, and exclusive area. In the example shown in FIG. 3C, the family composition "one adult" corresponds to the floor plan "1R, 1K, 1DK, 1LDK" and also corresponds to the exclusive area " 2 20 m or more". Also, the family composition "two adults" corresponds to the floor plans "1DK, 1LDK, 2DK, 2LDK" and also corresponds to the exclusive area " 2 30 m or more". Also, the family composition "two adults and one child" corresponds to the floor plans "2DK, 2LDK, 3DK, 3LDK" and also corresponds to the exclusive area " 2 40 m or more". Also, the family composition "two adults and two children" corresponds to the floor plans "3DK, 3LDK, 4DK, 4LDK" and also corresponds to the exclusive area " 2 50 m or more".

[0062] FIG. 3D shows an example of the configuration of the information stored in the property database section 264.

[0063] The property database section 264 stores information related to the property. The information related to the property can be identified by the information for identifying the property (property ID). The information related to the property is associated with the information for identifying the real estate company that manages the property identified by the property ID (real estate company ID). Also, the information related to the property is associated with the information for identifying the area where the property identified by the property ID is located (area ID). The information related to the property includes, for example, information such as the location of the property, access method, structure, price, floor plan, exclusive area, and equipment-related information.

[0064] 3. Processes executed in a computer system FIG. 4 shows an example of the processing executed in the computer system 210. Each step shown in FIG. 4 is executed, for example, by the processor section 212 of the computer system 210. Hereinafter, each step shown in FIG. 4 will be described.

[0065] Step S401: Information about the user is acquired. This process can be achieved, for example, by the processor unit 212 of the computer system 210 receiving information about the user from the user device 2201 through the interface unit 211 of the computer system 210. Alternatively, this process can be achieved, for example, by the processor unit 212 of the computer system 210 receiving an input indicating information about the user through the input unit of the computer system 210.

[0066] Information about the user includes, for example, but is not limited to, the user's name, occupation, annual income, family composition, address, place of work, personal credit information, etc. Information indicating the user's name, occupation, annual income, family composition, address, and place of work can be received from the user device 2201. The user's personal credit information can be received from a system that executes processing for a credit information institution that manages the user's personal credit information.

[0067] If there is an amount that the user wishes to borrow, the information about the user may further include the amount that the user wishes to borrow (i.e., the desired borrowing amount). Information indicating the user's desired borrowing amount can be received from the user device 2201.

[0068] Step S402: The user's borrowable amount is specified. The user's borrowable amount is specified based at least on the information about the user acquired in Step S401. The user's borrowable amount is specified without using information about the property. The user's borrowable amount is specified in a preliminary review of the user's borrowing. The user's borrowable amount can be the user's borrowing upper limit or the user's desired borrowing amount.

[0069] For example, the processor unit 212 of the computer system 210 can specify the user's borrowable amount by transmitting the information about the user acquired in Step S401 to a system for a financial institution and receiving information indicating the user's borrowable amount from the system for the financial institution.

[0070] In the above-described embodiment, an example in which the computer system 210 is not configured to execute processing for a financial institution has been described. However, the present invention is not limited to this. When the computer system 210 is configured to execute both processing for an operating company (for example, a bank agent) and processing for a financial institution, for example, in step S402, the processor unit 212 of the computer system 210 calculates the maximum borrowable amount of the user based at least on the information about the user acquired in step S401, and it is possible to specify the borrowable amount of the user based on the maximum borrowable amount of the user.

[0071] For example, the processor unit 212 of the computer system 210 determines whether the information about the user acquired in step S401 includes the user's desired borrowing amount. If it is determined that the information about the user acquired in step S401 does not include the user's desired borrowing amount, the maximum borrowable amount of the user is specified as the borrowable amount of the user.

[0072] Also, when it is determined that the information about the user acquired in step S401 includes the user's desired borrowing amount, the processor unit 212 of the computer system 210 determines whether the user's desired borrowing amount is less than or equal to the maximum borrowable amount of the user. If it is determined that the user's desired borrowing amount is less than or equal to the maximum borrowable amount of the user, the user's desired borrowing amount is specified as the borrowable amount of the user. If it is determined that the user's desired borrowing amount is not less than or equal to the maximum borrowable amount of the user, the maximum borrowable amount of the user is specified as the borrowable amount of the user.

[0073] The user's maximum borrowable amount can be calculated based on information about the user (e.g., the user's occupation, annual income, family composition, address, workplace, etc.). For example, the user's maximum borrowable amount can be calculated as (the user's annual income) × (a constant) × (weighting due to personal credit information), or (the user's annual income) × (a constant) × (weighting due to personal credit information) × (weighting due to occupation and / or family composition), based on at least one of the user's personal credit information, information indicating the user's address, information indicating the user's workplace, and information indicating the user's family composition, but is not limited thereto. Here, the constant is, for example, 1 / 3, 1 / 4, 1 / 5, etc., but is not limited thereto.

[0074] Step S403: One or more properties to be presented to the user are identified. The one or more properties to be presented to the user are identified based on the borrowable amount of the user identified in step S402. For example, a property having a price equal to or less than the borrowable amount of the user identified in step S402 may be identified as one or more properties to be presented to the user. Alternatively, a property having a price within a predetermined range (e.g., a price equal to or less than 110% of the borrowable amount of the user) from the borrowable amount of the user identified in step S402 may be identified as one or more properties to be presented to the user.

[0075] For example, the one or more properties to be presented to the user may be identified based on at least one of the borrowable amount of the user identified in step S402 (e.g., the user's maximum borrowable amount), information indicating the user's address, information indicating the user's workplace, and information indicating the user's family composition.

[0076] Specifically, the processor unit 212 of the computer system 210 may identify, as one or more properties to be presented to the user, a property having a floor plan or floor area corresponding to the user's family composition and a price equal to or less than the user's borrowable amount (e.g., the user's maximum borrowable amount), based on the user's borrowable amount (e.g., the user's maximum borrowable amount) and information indicating the user's family composition. This process may be executed with reference to the family composition database unit 263 and the property database unit 264.

[0077] Alternatively, the processor unit 212 of the computer system 210 may identify, as one or more properties to be presented to the user, a property located within a predetermined property area to which the user's address belongs among a plurality of predetermined property areas and a price equal to or less than the user's borrowable amount (e.g., the user's maximum borrowable amount), based on the user's borrowable amount (e.g., the user's maximum borrowable amount) and information indicating the user's address. This process may be executed with reference to the area database unit 262 and the property database unit 264. Alternatively, the processor unit 212 of the computer system 210 may identify, as one or more properties to be presented to the user, a property located within ○○ kilometers from the user's address and a price equal to or less than the user's borrowable amount (e.g., the user's maximum borrowable amount), based on the user's borrowable amount (e.g., the user's maximum borrowable amount) and information indicating the user's address. Here, ○ may represent a numerical value. This process may be executed with reference to the property database unit 264.

[0078] Alternatively, based on the user's borrowable amount (e.g., the upper limit of the user's borrowable amount) and the information indicating the user's place of work, the processor unit 212 of the computer system 210 may identify, as one or more properties to be presented to the user, properties that are located within a predetermined property area to which the user's place of work belongs among a plurality of predetermined property areas and that have a price equal to or lower than the user's borrowable amount (e.g., the upper limit of the user's borrowable amount). This process can be executed by referring to the area database unit 262 and the property database unit 264. Alternatively, based on the user's borrowable amount (e.g., the upper limit of the user's borrowable amount) and the information indicating the user's place of work, the processor unit 212 of the computer system 210 may identify, as one or more properties to be presented to the user, properties that are located within ○○ kilometers from the user's work destination address and that have a price equal to or lower than the user's borrowable amount (e.g., the upper limit of the user's borrowable amount). This process can be executed by referring to the property database unit 264. Alternatively, based on the user's borrowable amount (e.g., the upper limit of the user's borrowable amount) and the information indicating the user's place of work, the processor unit 212 of the computer system 210 may identify, as one or more properties to be presented to the user, properties for which the commuting time to the user's work destination address is within ○○ minutes and that have a price equal to or lower than the user's borrowable amount (e.g., the upper limit of the user's borrowable amount). This process can be executed by referring to the property database unit 264. Note that ○ can represent a numerical value.

[0079] Step S404: The borrowable amount of the user identified in Step S402 and the one or more properties identified in Step S403 are presented to the user. This process can be achieved, for example, by transmitting the information indicating the user's borrowable amount and the information indicating the one or more properties to the user device 2201.

[0080] If the information about the user obtained in step S401 includes the user's desired borrowing amount and the user's desired borrowing amount is less than or equal to the user's maximum borrowable amount, both the user's desired borrowing amount and the user's maximum borrowable amount may be presented to the user as the user's borrowable amount. As a result, the user can know the maximum borrowable amount that exceeds the user's desired borrowing amount, and as a result, it is possible to widen the scope and options for searching for a property.

[0081] The user may change the information of one or more presented properties by adding or changing conditions. For example, the user may add conditions so that the properties are further narrowed down and displayed from among the one or more presented properties.

[0082] Step S405: The property selected by the user is identified. This process can be achieved, for example, by receiving information indicating the property selected by the user from the user device 2201. The property selected by the user may be, for example, selected from among the one or more properties presented in step S404.

[0083] Step S406: Information indicating the property selected by the user is transmitted to the management system of the real estate company that manages the property selected by the user. This process can be executed by referring to the property database unit 264. Further, the processor unit 212 of the computer system 210 transmits information about the user (for example, the user's name, address, email address, occupation, annual income, family composition, address, place of work) and the user's borrowable amount to the management system 2301 of the real estate company. As a result, the real estate company that manages the property selected by the user can grasp the fact that the user has been sent and the property that the user is interested in.

[0084] For example, the processor unit 212 of the computer system 210 may request the system for the financial institution to issue a review result notice indicating that the execution of the financing for the user's borrowable amount has been tentatively determined, receive from the system for the financial institution a review result notice indicating that the execution of the financing for the user's borrowable amount has been tentatively determined, and further transmit the review result notice to the management system of the real estate company.

[0085] Note that in the above-described embodiment, an example in which the computer system 210 is not configured to execute processing for the financial institution has been described, but the present invention is not limited thereto. For example, when the computer system 210 is configured to execute both processing for an operating company (e.g., a bank agent) and processing for a financial institution, in step S406, the processor unit 212 of the computer system 210 may issue a review result notice indicating that the execution of the financing for the user's borrowable amount has been tentatively determined, and further transmit the review result notice to the management system of the real estate company. An expiration date is set for the review result notice indicating that the execution of the financing for the user's borrowable amount has been tentatively determined, and the processor unit 212 of the computer system 210 may further notify the management system of the real estate company of the expiration date of the review result notice.

[0086] Step S407: When the user decides to purchase the property selected by the user and reaches an agreement on the purchase of the property, information indicating the user's agreement related to the property selected by the user is received. The information indicating the user's agreement related to the property selected by the user is received, for example, from the management system of the real estate company that manages the property selected by the user.

[0087] Step S408: In response to receiving the information indicating the user's agreement related to the property selected by the user, processing for this review regarding the borrowing of funds for the user to purchase the property is executed.

[0088] For example, as processing for this examination regarding borrowing funds for the purchase of a property by a user, the processor unit 212 of the computer system 210 transmits information indicating the user's contract related to the property selected by the user, the user's personal credit information, and / or information related to the property selected by the user to the financial system 240. Thereby, based on the information indicating the user's contract related to the property selected by the user, the user's personal credit information, and / or information related to the property selected by the user, the financial system 240 can conduct this examination regarding borrowing funds for the purchase of the user's property.

[0089] Note that in the above-described embodiment, an example where the computer system 210 is not configured to execute processing for a financial institution has been described, but the present invention is not limited thereto. For example, when the computer system 210 is configured to execute both processing for an operating company (e.g., a bank agent) and processing for a financial institution, in step S408, the processor unit 212 of the computer system 210 conducts this examination regarding borrowing funds for the purchase of the user's property. This processing can be executed, for example, based on the user's personal credit information and / or information related to the property selected by the user. For example, conducting this examination regarding borrowing funds for the purchase of the user's property may include determining whether continuous repayment of the user's borrowable amount is possible based on the user's personal credit information. Determining whether continuous repayment of the user's borrowable amount is possible includes, for example, determining whether the number of past repayment delinquencies of the user is less than a predetermined number, and if the number of past repayment delinquencies of the user is less than the predetermined number, determining that continuous repayment of the user's borrowable amount is possible. Also, for example, conducting this examination regarding borrowing funds for the purchase of the user's property may include determining whether the collateral value of the property selected by the user is sufficient based on the information related to the property selected by the user.

[0090] In addition, the processor unit 212 of the computer system 210 determines whether to execute financing for the user's borrowable amount based on the result of this review regarding borrowing funds for the purchase of the user's property. When it is determined as a result of this review that the processor unit 212 of the computer system 210 will execute financing for the user's borrowable amount, the processor unit 212 executes a process for executing financing for the user's borrowable amount.

[0091] Note that the processor unit 212 of the computer system 210 may execute a process for this review regarding borrowing funds for the purchase of the user's property, or may execute a process for providing the user with incentives for concluding a property purchase (for example, preferential interest rates, points, coupons, cashback, etc.) after executing the process for this review regarding borrowing funds for the purchase of the user's property.

[0092] Note that the information about the user obtained in step S401 may further include the property type desired by the user (for example, custom-built house, newly constructed condominium, newly constructed detached house, used condominium, used detached house). When the information about the user obtained in step S401 includes a property type indicating a "custom-built house", the processor unit 212 of the computer system 210 may identify a house builder or real estate company to be presented to the user based on the borrowable amount identified in step S402. For example, the processor unit 212 of the computer system 210 may identify a house builder or real estate company associated with a threshold value below the borrowable amount identified in step S402 as the house builder or real estate company to be presented to the user. The correspondence between the house builder or real estate company and the threshold value may be stored in the database unit 260. In this case, the processor unit 212 of the computer system 210 presents the house builder or real estate company to be presented to the identified user to the user, receives information indicating the house builder or real estate company selected by the user from the user device 2201, and provides the information about the user to the house builder or real estate company selected by the user, thereby realizing sending off the user to the house builder or real estate company selected by the user. Also, when the information about the user obtained in step S401 includes information about the desired taste and construction method, the processor unit 212 of the computer system 210 may identify a house builder or real estate company to be presented to the user based on the borrowable amount identified in step S402 and the information about the desired taste and construction method. The correspondence between the house builder or real estate company and the desired taste and construction method may be stored in the database unit 260.

[0093] In the embodiment shown in FIG. 4, an example in which the processor unit executes the program stored in the memory unit to realize the processing of each step shown in FIG. 4 has been described. However, the present invention is not limited to this. At least a part of the processing of each step shown in FIG. 4 may be realized by a hardware configuration such as a control circuit.

[0094] As described above, the present invention has been exemplified using the preferred embodiments of the present invention. However, the present invention should not be construed as being limited to this embodiment. It is understood that the scope of the present invention should be construed only by the claims. Those skilled in the art will understand that an equivalent range can be implemented based on the description of the present invention and common technical knowledge from the description of the specific preferred embodiments of the present invention.

Industrial Applicability

[0095] The present invention is useful as providing a computer system, a program, etc. that enable a user to smoothly proceed from a financial plan for purchasing a property to the purchase of the property.

Explanation of Signs

[0096] 200 System 210 Computer System 2201~220 N User Device 2301~230 M Management System 250 Internet 260 Database Unit

Claims

1. A computer system that enables a user to smoothly proceed from a financial plan for property purchase to the actual property purchase, the computer system comprising: means for acquiring information about the user; means for identifying the user's borrowable amount based at least on the information about the user; means for identifying one or more properties to be presented to the user based at least on the user's borrowable amount; means for presenting the user's borrowable amount and the one or more properties to the user A computer system comprising the above.

2. The borrowable amount includes a maximum borrowable limit, The information about the user includes at least one of the user's personal credit information, information indicating the user's address, information indicating the user's place of work, and information indicating the user's family composition, Identifying the user's borrowable amount based at least on the information about the user includes identifying the user's maximum borrowable limit based on at least one of the user's personal credit information, information indicating the user's address, information indicating the user's place of work, and information indicating the user's family composition. The computer system according to Claim 1.

3. Identifying the one or more properties to be presented to the user based at least on the borrowable amount includes identifying the one or more properties to be presented to the user based on at least one of the maximum borrowable limit, information indicating the user's address, information indicating the user's place of work, and information indicating the user's family composition. The computer system according to Claim 2.

4. Identifying the one or more properties to be presented to the user based at least on the borrowable amount includes identifying, as the one or more properties to be presented to the user, properties having a floor plan or floor area corresponding to the user's family composition and having a price below the maximum borrowable limit. The computer system according to Claim 3.

5. Identifying the one or more properties to be presented to the user based at least on the borrowable amount includes identifying, as the one or more properties to be presented to the user, properties located within a predetermined property area to which the user's residence belongs among a plurality of predetermined property areas and properties below the borrowable upper limit amount. The computer system according to claim 3.

6. Identifying the one or more properties to be presented to the user based at least on the borrowable amount includes identifying, as the one or more properties to be presented to the user, properties located within a predetermined property area to which the user's place of work belongs among a plurality of predetermined property areas and properties below the borrowable upper limit amount. The computer system according to claim 3.

7. The computer system is configured to be communicable with a management system for a real estate company that manages the one or more properties. The computer system means for identifying a property selected by the user among the one or more properties; means for transmitting information indicating the selected property to the management system The computer system according to claim 1, further comprising.

8. Transmitting information indicating the selected property to the management system includes transmitting to the management system information indicating the selected property and a review result notification indicating that the execution of financing of the borrowable amount has been tentatively determined. The computer system according to claim 7.

9. The borrowable amount of the user is identified in a preliminary review regarding the borrowing of the user's funds. The computer system means for receiving information indicating the conclusion of the user related to the selected property; means for executing processing for a final review regarding the borrowing of the user's funds related to the selected property in response to receiving information indicating the conclusion of the user related to the selected property. The computer system according to claim 1, further comprising.

10. The borrowable amount of the user is identified without using information regarding the property. The computer system according to claim 1.

11. The computer system is configured to be able to communicate with a system for a financial institution. Means for specifying the borrowable amount of the user based at least on the information about the user include: Means for transmitting at least the information about the user to a system for the financial institution; Means for receiving, from the system for the financial institution, the borrowable amount of the user calculated by the system for the financial institution based at least on the information about the user The computer system according to claim 1, comprising the above.

12. A program executed in a computer system that enables a user to smoothly proceed from a financial plan for purchasing a property to the purchase of the property. The computer system includes a processor unit that controls the operation of the computer system. When the program is executed by the processor unit, Obtaining information about the user; Specifying the borrowable amount of the user based at least on the information about the user; Specifying one or more properties to be presented to the user based at least on the borrowable amount of the user; Presenting the borrowable amount of the user and the one or more properties to the user The program causes the processor unit to perform at least the above.

Images