Management server, property management program, and property management method

Abstract

To provide a mechanism for making investments using the income from properties.SOLUTION: A management server is configured to: accept information related to a rental income amount from an asset management company terminal used by an asset management company; calculate an investable amount on the basis of information related to the rental income amount; select an investment product on the basis of the investable amount; and output the selected investment product to the user terminal used by a user.SELECTED DRAWING: Figure 8

Description

[Technical Field]

[0001] The present invention relates to a management server, a property management program, and a management server. [Background technology]

[0002] As background art in this technical field, there is Japanese Patent Application Laid-Open No. 2017-224207 (Patent Document 1). This bulletin states that "when setting the rent for a rental property, the structural information and subjective evaluation of the property are taken into account." In order to refer to the market price, self-managed landlords may charge significantly different rents from the market price of similar properties in the surrounding area. You can easily set the rental price yourself to maximize your potential profits without having to worry about the risk of losing your property. Manages ranking information on real estate agents and sales representatives who are requested to find customers for real estate properties. In order to manage the situation, when requesting rental mediation, self-managed landlords will select a mediator with a rank appropriate for each rental property. You can choose a real estate company or sales representative. In addition, repairs required to restore the property to its original condition when you move out are also available. In order to store information on businesses related to the cleaning work by rank, It is possible to easily find a suitable business for each rental property. See summary).

[0003] Also, there is Japanese Patent Application Laid-Open No. 2017-138932 (Patent Document 2). An authentication unit 14 that authenticates system users, and a system user authenticated by the authentication unit 14 that operates the system. In the case of a business, the first authority is granted, and the system user authenticated by the authentication unit 14 becomes a customer. In this case, the authorization unit 15 that grants the second authorization different from the first authorization and the customer information registration unit and a customer information registration unit 16 that registers ownership information by associating customer information with property information. an information registration unit 17 and an ownership information storage unit for storing ownership information registered by the ownership information registration unit 17; a storage unit 18, a page generation unit 19 for generating a management web page for each customer, and and a simulation execution unit 20 that executes a simulation based on the information. It is stated that: [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Publication No. 2017-224207 [Patent Document 2] Japanese Patent Application Laid-Open No. 2017-138932 Summary of the Invention [Problem to be solved by the invention]

[0005] The Patent Document 1 describes a system for managing rental income properties. Reference 2 describes a system for conducting profitability simulations of investment properties. However, none of the patent documents mention a system for making investments using the profits from properties. No consideration has been given to this issue. Therefore, the present invention provides a system for making investments using property profits. [Means for solving the problem]

[0006] In order to solve the above problems, for example, the configurations described in the claims are adopted. The present application includes a plurality of means for solving the above problems, and one example is an asset management system. Revenue information management that acquires information on rental income from the asset management company's terminal used by the management company and a means for calculating an investment amount based on information about the rental income. an investment product management means for selecting an investment product based on the investable amount; and an investment management means for outputting the investment product to a user terminal used by the user. It is characterized by: [Effects of the Invention]

[0007] According to the present invention, it is possible to provide a system for making investments using property profits. Problems, configurations, and effects other than those described above will become apparent from the following description of the embodiments. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is an example of a configuration diagram of an entire asset management system 1. [Figure 2] FIG. 2 shows an example of the hardware configuration of the management server 101. [Figure 3] FIG. 3 shows an example of the hardware configuration of the user terminal 102. [Figure 4] FIG. 4 shows an example of the hardware configuration of the asset management company terminal 103. [Figure 5] FIG. 5 is an example of an asset management screen 500. [Figure 6] FIG. 6 shows an example of an asset management screen 600 for investment. [Figure 7] FIG. 7 is an example of an investment setting selection screen 700. [Figure 8] FIG. 8 is an example of the investment amount display screen. [Figure 9] FIG. 9 is an example of an investment product selection screen. [Figure 10] FIG. 10 is an example of a screen displaying the amount of withdrawal for investment. [Figure 11] FIG. 11 is an example of an investment history screen managed by an asset management company. [Figure 12] FIG. 12 shows an example of a management screen of an asset management company. [Figure 13] FIG. 13 shows an example of a registration process flow 1300. [Figure 14] FIG. 14 is an example of a user investment processing flow 1400. [Figure 15]FIG. 15 shows an example of a management server investment management processing flow 1500. [Figure 16] FIG. 16 shows an example of a process flow 1600 for calculating the investable amount. [Figure 17] FIG. 17 shows an example of an investment product selection process flow 1700. [Figure 18] FIG. 18 shows an example of a process flow 1800 for calculating the amount to be transferred to an investment account. [Figure 19] FIG. 19 shows an example of a process flow 1900 for calculating the amount to be transferred to an investment account. [Figure 20] FIG. 20 shows an example of an investment score calculation process flow 2000. [Figure 21] FIG. 21 is an example of an investment account transfer process flow 2100. [Figure 22] FIG. 22 is an example of a user DB 2200. [Figure 23] FIG. 23 is an example of the asset management company DB 2300. [Figure 24] FIG. 24 is an example of the property DB 2400. [Figure 25] FIG. 25 is an example of the property equipment DB 2500. [Figure 26] FIG. 26 is an example of a room DB 2600. [Figure 27] FIG. 27 is an example of a room facility DB 2700. [Figure 28] FIG. 28 is an example of a property transaction DB 2800. [Figure 29] FIG. 29 is an example of a room / owner linking DB 2900. [Figure 30] FIG. 30 is an example of a user account DB 3000 . [Figure 31] FIG. 31 is an example of a cash flow DB 3100. [Figure 32] FIG. 32 is an example of a fixed-term investment DB 3200. [Figure 33] FIG. 33 shows an example of the periodic individual setting DB 3300. [Figure 34] FIG. 34 is an example of the investment history setting DB 3400 . [Figure 35]FIG. 35 is an example of a transfer DB 3500. [Figure 36] FIG. 36 shows an example of the investment project link DB 3600. [Figure 37] FIG. 37 is an example of investment project information 3700. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, an embodiment will be described with reference to the drawings. [Example]

[0010] FIG. 1 is an example of a configuration diagram of an entire asset management system 1. The asset management system 1 includes a plurality of user terminals 102 and a plurality of asset management company terminals 103. Each of them is connected to the management server 101 via a network. Regardless of whether the network is wired or wireless, each terminal sends and receives information via the network. It is possible. The user terminal 102 is used by an owner (user) of an asset such as an investment property. It is a terminal. The asset management company terminal 103 is a terminal used by the asset management company that manages assets.

[0011] Each terminal and management server 101 of the asset management system 1 is, for example, a smartphone. , tablets, mobile phones, personal digital assistants (PDAs), and other mobile devices. Alternatively, it may be a wearable device such as a glasses-type, a wristwatch-type, or a clothing-type. It can also be a portable computer or a server located in the cloud or on a network. In addition, the functions include VR (Virtual Reality) terminals and AR (Augmented Reality) terminals. It may also be a (Multi-Reality) terminal or a (Mixed Reality) terminal. For example, a combination of one smartphone and one wearable device may be used. A combination of these and other information processing terminals can function as a single logical terminal. It may also be a management terminal.

[0012] Each terminal and management server 101 of the asset management system 1 is operated by The processor that runs the operating system, applications, and programs, and the RAM (Random Access Memory) Main memory devices such as om Access Memory, IC cards, hard disk drives, SSDs ( Auxiliary storage devices such as solid state drives (SSDs) and flash memory, as well as network cards and wireless The communication control unit of the wired communication module, mobile communication module, etc., and the touch panel and keyboard Input devices include keyboard, mouse, voice input, and motion detection input from the camera unit. The output device is an external monitor or display. It may also be a device or terminal that transmits information to be output to a player, printer, or other device. stomach.

[0013] The main memory stores various programs and applications (modules). The processor runs these programs and applications to operate the entire system. Each of these modules can be integrated into a hardware system. Each module may be implemented as an independent program or application. It can be a program or a subprogram within an integrated program or application. It may be implemented in the form of a program or a function.

[0014] In this specification, each module is described as a subject that performs processing. In this case, a processor that processes various programs and applications (modules) is used. Implement the theory. The auxiliary storage device stores various databases (DB). Any data manipulation (e.g., extraction, addition) from a processor or external computer It is a functional element (storage unit) that stores data sets so that they can be updated (deleted, overwritten, etc.). The method of implementing the database is not limited, and may be, for example, a database management system. It can be a spreadsheet software or a text file such as XML or JSON.

[0015] FIG. 2 shows an example of the hardware configuration of the management server 101. The management server 101 is configured, for example, by a server placed on a cloud. The main memory device 201 includes a revenue information management module 211, an investment amount calculation module 212, and a 12, investment product management module 213, transfer amount calculation module 214, investment score calculation module modules 215, management server investment management modules 216, and other programs and applications. The processor 203 executes these programs and applications. By doing so, each functional element of the management server 101 is realized.

[0016] The revenue information management module 211 receives revenue information from the asset management company terminals 103 of the multiple asset management companies. , and acquire and manage revenue information for owners of real estate and other assets. The investment amount calculation module 212 calculates the investment amount based on the collected income information such as rental income. Calculate the amount you can invest. The investment product management module 213 allows the owner to make an investment based on the calculated investable amount. Select investment products that can be purchased and recommend (review) them to the user terminal 102 .

[0017] The transfer amount calculation module 214 calculates the purchase amount of the investment product that the owner wishes to purchase. Decide whether to pay based on the revenue information from the asset management company, and transfer it to the investment account for each asset management company. The transfer amount will be calculated and notified to each asset management company. The investment score calculation module 215 calculates the investment score based on the properties owned by the owner and the details of their past investments. Based on this, an investment score is calculated that indicates the adaptability of the owner to the investment. The investment score is calculated as the sum of the scores for the properties owned and past investments. Basically, it is more likely to own a profitable property and to have purchased investment properties more frequently. Those who are accustomed to investing are more likely to be successful. The management server investment management module 216 manages the profit information management module 211, the investment amount Calculation module 212, investment product management module 213, transfer amount calculation module 214, The investment score calculation module 215 cooperates with the management server 101 to perform investment management.

[0018] The auxiliary storage device 202 includes various DBs 220 . The various DB 220 stores various databases (DBs) as shown in FIGS. 22 to 37. These can be implemented using a database management system such as a relational database. However, it can also be implemented using spreadsheet software or text files such as XML or JSON. good.

[0019] FIG. 3 shows an example of the hardware configuration of the user terminal 102. The user terminal 102 may be, for example, a smartphone, a tablet, a laptop, or a desktop It consists of terminals such as PCs. The main memory device 301 includes a registration processing module 311 and a user investment processing module 312. These programs and applications are stored in The processor 303 executes the operations to realize each functional element of the user terminal 102. .

[0020] The registration processing module 311 stores information about users, accounts, properties, investments, etc. The process of registering the above is performed. The user investment processing module 312 connects to the management server 101 and Revenue information management module 211, investment amount calculation module 212, investment product management module module 213, transfer amount calculation module 214, investment score calculation module 215, etc. The various calculated information is displayed on the output device 305 such as the screen of the user terminal 102.

[0021] In this embodiment, the management server 101 includes a profit information management module 211, an investable Amount calculation module 212, investment product management module 213, transfer amount calculation module 214 , investment score calculation module 215 is described as a configuration having the same functions as these. The user investment processing module 312 executed by the user terminal 102 executes the above. In this case, the user investment processing module 312 may be implemented by the user terminal 102. The management server 101 performs processing corresponding to each module, such as a revenue information display module, an investment information display module, and a Available funds display module, investment product display module, transfer amount display module, investment score It performs processing in cooperation with sub-modules such as a display module.

[0022] The auxiliary storage device 302 includes various DBs 320 . The various DBs 320 include information on the owner's income, property information, and assets, all of which are managed by the user terminal 102. Stores information on property management companies, investment information, etc.

[0023] FIG. 4 shows an example of the hardware configuration of the asset management company terminal 103. The asset management company terminal 103 may be, for example, a smartphone, a tablet, a laptop, a desktop computer, or a It consists of terminals such as top PCs. The main memory device 301 stores programs and applications such as the asset management company management module 411. These programs and applications are stored in the processor 403. By executing the above, each functional element of the asset management company terminal 103 is realized.

[0024] The asset management company management module 411 is a module for managing the property managed by the asset management company. Income and expenditures related to the property, such as rental income, which is the total of rent and management fees received from the property The benefit information is sent to the management server 101 and shared. In addition, the investment account transfer notified by the transfer amount calculation module 214 of the management server 101 The process of allocating all or part of the owner's rental income to the owner's investment account according to the amount Do the following.

[0025] The auxiliary storage device 402 includes asset management company management information 421 . Asset management company management information 421 is revenue information of multiple owners managed by the asset management company. , property information, investment information, etc.

[0026] FIG. 5 is an example of an asset management screen 500. The user investment processing module 312 of the user terminal 102 is managed by the user terminal 102. The information is collected by the revenue information management module 211 of the management server 101, and Based on the information notified from the server 101, the owner can make a payment to the multiple assets 503 owned by the owner. The collected information is displayed on the asset management screen 500. The user investment processing module 312 calculates the total value of multiple assets 503, 504, 505, etc. Asset information 502 such as current value 501 and cash flow is compiled and displayed.

[0027] FIG. 6 shows an example of an asset management screen 600 for investment. The user investment processing module 312 performs the following processing based on the information received from the management server 101: Monthly cash flow 601, calculated based on rental income, expenses, and mortgage repayments Shows rental income of 602. In addition, the user investment processing module 312 continues to periodically invest monthly rental income. The periodic investment settings 605 are displayed. Furthermore, the user investment processing module 312 is configured to process the investment score of the management server 101. The investment score 606 calculated by the investment rule 215 is displayed, and the investment score 606 is calculated based on the investment score 606. The available amount of rent advance 604, which changes depending on the rent advance amount, is displayed. The owner can use this available amount 6 Until April 2004, it was possible to take out a rent advance loan 603, which allows you to borrow rent in advance and use it for investment.

[0028] FIG. 7 is an example of an investment setting selection screen 700. The user investment processing module 312 allows the owner to select the product in which to invest and make the investment. The management server 101 automatically selects the investment destination for the set amount. The automatic course 702 for investment is displayed in a selectable manner.

[0029] FIG. 8 is an example of the investment amount display screen. The user investment processing module 312 receives the investable amount calculation module from the management server 101. The information on the owner's investment potential calculated by the rule 212 is obtained and the investment potential amount 801 is displayed. Show. Also, the registration processing module 311 displays information on the investment account 802 of the registered owner. The information on the investment account 802 is stored in the user terminal 102 or the management server 101. The amount is retrieved from the user account DB3000 and displayed.

[0030] FIG. 9 is an example of an investment product selection screen. 9 and subsequent figures show the display screen when the user selects the custom course 701. The user investment processing module 312 is a module for processing investments of alternative investments that can be invested in. Display investment category 901. Alternative investments are not limited to real estate properties, but also include art The list shows things that owners can purchase as investments, such as cars, wine, ships, and more. can be. The user investment processing module 312 receives the selection of the investment category 901 from the owner. The system then displays a list of investment products 902 that belong to the selected investment category 901. The user investment processing module 312 receives the selection of the investment product 902 from the owner. In this case, the details are displayed and the purchase process can be carried out.

[0031] FIG. 10 is an example of a screen displaying the amount of withdrawal for investment. The user investment processing module 312 displays the investable amount 1001, and the owner can The withdrawal amount 1004 can be set within the range of the amount. 12 calculates the total amount of the withdrawal amount 1004 and displays it as the set amount 1003 . In addition, the user investment processing module 312 displays the withdrawal date 1002 in a selectable format, The owner can set the withdrawal date and amount.

[0032] FIG. 11 is an example of an investment history screen managed by an asset management company. When the asset management company terminal 103 receives the selection of investment history display 1104, the owner 1 Investments made within a specified period 1105 for each property 1102 owned by 101 The investment history 1103 displays information such as the investment execution date, amount, investment destination, and plan. There are items such as run, investment account balance, and notes. By selecting these, you can see more specific investment information. You can view the details.

[0033] FIG. 12 shows an example of a management screen of an asset management company. When the asset management company terminal 103 receives the selection of the income and expenditure display 1201, the asset management company terminal 103 displays the owner's For each property, income and expenditure information within the range of the specified period 1209 is displayed. The asset management company management module 411 displays income 1202 such as rent obtained from the property. The rent is the total amount of rent and management fees paid by the tenant. The asset management company management module 411 displays management fees and other expenses 1203. The asset management company will register the necessary expenditures. The asset management company management module 411 calculates the difference between the income 1202 and the expenditure 1203, and Displayed as a total of 1204.

[0034] The asset management company management module 411 displays the loan 1205 of the borrowed money. The owner registers the information via the registration processing module 311 of the user terminal 102. Or, the information of the user account DB 3000 registered by the registration processing module 311 Based on this, by linking with the bank API, the revenue information management module of the management server 101 The asset management company management module 411 of the asset management company terminal 103 manages the loan. Acquires and displays information. The asset management company management module 411 calculates the amount of this loan 1205 from the total balance 1204. The amount is subtracted to calculate the remittance amount 1206 to be remitted to the owner. In addition, if the asset management company does not act as an agent for the loan payment, the management fee will be deducted from the rent. The amount minus the handling fee will be remitted to the owner.

[0035] The asset management company management module 411 manages the remittance amount 1 to the owner who will transfer the rental income. Display 206. The transfer destination for the remittance amount 1206 is the same as the usual transfer destination for rental income. A regular account 1207 and an investment account 1208 from which the purchase amount of the investment product is debited are be. The asset management company management module 411 is a transfer amount calculation module 21 of the management server 101. In accordance with the investment account transfer amount calculated by 4, transfer a portion of the rental income to investment account 1208. The remaining amount will be transferred to regular account 1207.

[0036] 13 to 21 are diagrams showing the operation of the management server 101, the user terminal 102, and the asset management company terminal 103. 10 is an example of a flow of various processes performed. FIG. 13 shows an example of a registration process flow 1300. The registration processing flow 1300 is a process in which the registration processing module 311 of the user terminal 102 This is the flow for registering various information required for investment. The registration processing module 311 registers the membership information of the owner who is an investor to the management server 101. The user is registered in the user DB 2200 (step 1310). The registration processing module 311 registers the owner's bank account information, etc., with the user of the management server 101. The account is registered in the account DB 3000 (step 1320).

[0037] The registration processing module 311 stores information about the asset management company that manages the property owned by the owner. is registered in the asset management company DB 2300 of the management server 101 (step 1330). The registration processing module 311 registers information about the income and expenditure of the property (step 1340). , and information about the loan is registered in the cash flow DB 3100 of the management server 101. (step 1350). The various DBs held by the management server 101 may also be stored in the user terminal 102. can.

[0038] FIG. 14 is an example of a user investment processing flow 1400. The user investment processing flow 1400 is executed by the user investment processing module 31 of the user terminal 102. 2 is the process flow for purchasing investment products. The user investment processing module 312 receives the investments owned by the owner from the management server 101. The rental income of the property is displayed on a screen such as that shown in FIG. 6 (step 1410). The user investment processing module 312 is an investment score calculation module 2 of the management server 101. 15 and displays the investment score 606 ( Step 1420).

[0039] The user investment processing module 312 is a module for calculating the investable amount of the management server 101. Receive information about the owner's investment amount calculated by 12 and use the investment amount as an example. For example, the screen examples shown in FIGS. 8 to 10 are displayed (step 1430). The user investment processing module 312 is the investment product management module 21 of the management server 101. Information about the investment product candidates selected in 3 is obtained and displayed on the screen shown in Figure 9. (Step 1440). The user investment processing module 312 accepts the selection of the investment product to be purchased from the owner ( Step 1450) accepts the input of necessary information and sets up investment settings for the investment product to be purchased. The setting is completed (step 1460).

[0040] Investment settings include the process of purchasing an investment product and debiting the purchase amount from your investment account. The settings are stored and the user investment processing module 312 selects the investment products to be purchased and sold. The system connects to the terminal of the investment product sales company via API, etc., and transmits the details of the investment settings to the investment product sales company. Alternatively, the user investment processing module 312 connects to the investment product sales company terminal, A direct purchase process may also be performed.

[0041] In this embodiment, the investment product purchase process is performed by the user terminal 102. However, depending on the selection of investment products accepted by the user investment processing module 312, the management service Alternatively, the management server investment management module 216 of the server 101 may perform the purchasing process. In this embodiment, the purchase of investment products is performed by the user terminal 102, and the investment amount of the purchase is By the date of withdrawal from the account, the transfer amount calculation module 214 of the management server 101 calculates the amount of the investment account The transfer amount is calculated, and the amount is notified to the asset management company terminal 103, and the asset management company receives the rent income. Deposit some or all of your income into an investment account. However, the management server 101 and the asset management company terminal 103 cooperate with each other, and the management server 10 1 performs the purchase processing of the investment product to the investment product sales company, and the asset management company terminal 103 performs the purchase processing. The deposit amount may be transferred to the investment product sales company.

[0042] In addition, the user terminal 102 and the asset management company terminal 103 cooperate with each other, and the user terminal 102 The asset management company terminal 103 processes the purchase of investment products from product sales companies, and the purchase amount is The process may involve transferring the funds to an investment product sales company. In addition, the user terminal 102, the management server 101, and the asset management company terminal 103 cooperate with each other, The user terminal 102 processes the purchase of investment products from the investment product sales company and manages the purchase. The server 101 is notified, and the management server 101 calculates the transfer amount and the asset management company to which the transfer will be made. The selected asset management company terminal 103 transfers the purchase amount to the investment product sales company. This processing may also be performed.

[0043] FIG. 15 shows an example of a management server investment management processing flow 1500. The management server investment management process flow 1500 is a flow chart of the management server investment management model of the management server 101. The module 216 proposes investment products to the user terminal 102 based on rental income and receives investments. This is the processing flow for receiving the The management server investment management module 216 manages the investment through the profit information management module 211. Information regarding the amount of rental income is obtained from the property management company terminal 103 (step 1510). Specifically, the revenue information management module 211 periodically collects information from a plurality of asset management company terminals 10. From 3, we obtain information on the rental income of the property owned by the owner and calculate the cash flow. The revenue information management module 211 also stores the information from the user terminal 102 in the DB 3100. We obtain payment information such as management fees and other expenses, and if registered, loan information, etc., and Stored in the Shuflow DB3100. The revenue information management module 211 manages the revenues stored in the cash flow DB 3100. You can view the cash flow for all properties owned by a specific owner or for selected properties based on income and expenditure information. It is possible to obtain and display the total amount of cash flow and income and expenditure.

[0044] The management server investment management module 216 receives the investable amount calculation module 212 and the owner's The investable amount is obtained (step 1520). 12 calculates the amount of investment available based on information on rental income, as described below. In addition, the management server investment management module 216 manages the investment product via the investment product management module 213. and selects a plurality of investment product candidates selected based on the amount of investment available (step 153 0). The management server investment management module 216 recommends the selected investment product. The product is then sent to the user terminal 102 (step 1540).

[0045] The management server investment management module 216 then manages the purchases selected by the owner. Information about the investment product is obtained (step 1550). In addition, the management server investment management module 216 cooperates with the transfer amount calculation module 214. , and the investment is made based on the information about the investment product to be purchased received from the user terminal 102. The amount to be transferred to the account is calculated (step 1560). The management server investment management module 216 uses the information about the calculated investment account transfer amount as a resource. The information is sent to the production management company terminal 103 (step 1570). When the series of processes described above is completed, the management server investment management module 216 notifies the investment processing completion. A message indicating completion is displayed (step 1580).

[0046] FIG. 16 shows an example of a process flow 1600 for calculating the investable amount. The investable amount calculation processing flow 1600 is a flow chart of the investable amount calculation module of the management server 101. 212 is a process flow for calculating the investment amount based on information on the rental income amount. The investment amount calculation module 212 calculates the investment amount based on the information in the user account DB 3000. The account balance is obtained (step 1610). The investment amount calculation module 212 calculates the amount of investment available. The income and expenditure information of all properties linked to a specific owner is obtained (step 1620).

[0047] The investment amount calculation module 212 calculates the investment amount by multiplying the total monthly income from multiple properties by the investment account balance. The total monthly income is calculated by adding the amount of the monthly income (step 1630). The investment amount calculation module 212 includes a periodic investment DB 3200 and a periodic individual setting DB 33 00 to calculate the owner's monthly regular investment amount, and the total of these is the planned investment amount. is calculated (step 1640). The investment amount calculation module 212 subtracts the planned investment amount from the total monthly income amount. The amount thus calculated is calculated as the amount available for investment (step 1650).

[0048] FIG. 17 shows an example of an investment product selection process flow 1700. The investment product selection process flow 1700 is a process in which the investment product management module 213 selects an investment amount based on the investment amount. This is a processing flow for selecting investment products to recommend to the owner based on the above. The investment product management module 213 manages investment projects provided by external affiliated investment product sales companies. information 3700 and the investment information 3700 stored in the management server 101, The information about the investment product is obtained (step 1710). The investment product information 3700 is provided by the investment product management module 213 via an API (Application Programmer's Programming Interface). can be obtained from other investment product distributors via the Programming Interface, but If the project does not contain sufficient property or room information, the Investment Project Link DB3600 will The property DB 2400 and the room DB 2600 of the management server 101 are linked to acquire property information. Furthermore, the investment project information 3700 can also be entered by the administrator. The investment product management module 213 allows users to filter all investment products based on their properties. Then, the processing is performed (step 1720).

[0049] Specifically, the investment product management module 213 manages information on all properties owned by the owner. Information is stored in the property DB 2400, room DB 2600, property transaction DB 2800, and room / owner link. The unit price, yield, and time of the property or room owned by the owner are obtained from the DB2900 etc. Obtain information such as the name, room size, address, and age of the building. The investment product management module 213 can accept properties and rooms owned by acquired owners. Narrow down the recommended real estate investment products based on available lines or data on preferred property trends. The data is read. The investment product management module 213 analyzes information on properties and rooms owned by owners and Calculate your preferred area, preferred property price, preferred room type, yield, and age of building, and then combine these preferences Narrow down your search to real estate investment products that match your property requirements.

[0050] For example, the investment product management module 213 may filter based on geographical preferences and identify If you own two or more properties in a region, you can mark that region as your preferred region. Regions can be categorized in various ways for analysis, for example, prefectures, Kinki region, etc. It can be categorized into regional units, urban areas, tourist destinations, regional economic zones, etc. The investment product management module 213 manages the investment products based on the category to which the property belongs. The category with the most owned properties is considered the preferred area.

[0051] In addition, for example, the investment product management module 213 narrows down the search results based on the unit price of the desired property. If you own two or more properties in the same price range, you can set that price range as your preferred property price range. It is possible. Also, for example, the investment product management module 213 may be configured to narrow down the search results based on preferred room types. If you own two or more rooms of the same type, you can select the room type as your preferred It can be a type.

[0052] Also, for example, the investment product management module 213 may calculate the average interest rate of multiple properties owned by the owner. You can go around and calculate the average age of the property and use these as your preferred property conditions. Also, for example, the investment product management module 213 manages the investments of multiple properties owned by an owner. You can calculate the minimum yield and set your preferred property conditions as anything above this figure. Also, for example, the investment product management module 213 may manage the most recent investments of multiple properties owned by an owner. Calculate the lowest and highest building ages, and set the building ages between these figures as your preferred property conditions. It is possible. The investment product management module 213 is configured to manage the investment products that match the desired property conditions obtained as described above. Narrow down your investment products.

[0053] The investment product management module 213 manages all investment products, including past investments other than real estate. Then, filtering based on the above is performed (step 1730). The investment product management module 213 manages the investment history stored in the management server 101 and the associated Obtain investment data information obtained from the company via API or data integration. For example, the investment product management module 213 may filter based on preferred categories, If you own more than one investment product in a particular category, select it as your preferred investment product category. It can be said that: Investment product categories other than real estate include wine, art, ships, luxury cars, and racing. There are horses, etc. The investment product management module 213 is a partner organization that sells and displays preferred investment product categories. Company information can be displayed preferentially.

[0054] Also, for example, the investment product management module 213 may manage the average value of multiple investment products held by the owner. Calculate the average return, average investment amount, and average investment interval, and use these as the conditions for your preferred investment product. can be done. Also, for example, the investment product management module 213 manages a plurality of investment products owned by the owner. You can calculate the minimum yield and set this number or higher as the condition for your preferred investment product. Also, for example, the investment product management module 213 manages a plurality of investment products owned by the owner. Calculate the minimum and maximum investment amounts, and choose the amount between these figures according to your preferred investment product conditions. It can be said that:

[0055] The investment product management module 213 receives the investment product that matches the desired investment product conditions obtained as described above. Narrow down your investment products other than real estate. Please note that the above-mentioned narrowing down of search results by category and investment product conditions also applies to real estate. This may be done for investment products that have been

[0056] In addition, the investment product management module 213 calculates an investment recommendation score, and if the score is high, It is also possible to narrow down and extract the most suitable ones. For example, the investment recommendation score can be calculated using the following formula, with 100 being the perfect score: do. (100 - |Average investment amount of the target product - Average investment amount| * 100 / MAX (Average investment amount, Average investment amount of the target product Amount) + 100 - |Target product yield - Average yield| * 100 / MAX (Average investment amount, Target product average Investment amount)) / 2

[0057] The investment product management module 213 provides conversation-based filtering of all investment products. is executed (step 1740). The investment product management module 213 is a module that connects the user terminal 102 with the management server 101 and the asset management company. The chat conversation history etc. exchanged with the company terminal 103 is acquired. The investment product management module 213 performs natural language processing on the chat conversation history. This allows specific keywords such as investment categories and words indicating purchasing intent to be extracted. For example, in natural language extraction, keywords are extracted from the following three perspectives: Words that indicate product categories, such as "wine," "art," "real estate," and "buildings" Words that indicate a desire to purchase include "I want to buy," "I want to buy," and "I want to invest." Words that indicate a desire to sell include "want to sell," "sell," and "take profits." The investment product management module 213 then analyzes the investment product based on the extracted specific keywords. Narrow down investment products related to these keywords.

[0058] The investment product management module 213 filters all investment products based on timing. The ring is executed (step 1750). The investment product management module 213 manages tenant information stored in the management server 101, Obtain loan information and investment history, and based on this information, identify those who are likely to purchase investment products. Calculate the investment interest period between Element 1: Long-term property holding flag: The period of interest is when the property has been held for 10 years or more. Element 2: Time of loan repayment: The investment interest period is one year before and after the time of loan repayment. Element 3: For a specific property or room, the property (room) appraisal value - loan balance > 10 million yen The state in which the above condition is satisfied is called the investment interest period. Element 4: Tenant Move-out: The investment interest period is three months before and after the tenant moves out. Element 5: Tenant decision: The investment interest period is one month after the tenant decision. If any of the above elements 1 to 5 is met, the investment is considered to be in the investment interest period. Narrow down the investment products that can be purchased during this investment interest period.

[0059] The investment product management module 213 performs filtering in steps 1720 to 1750. For the listed investment products, select candidate investment products to recommend in the following order: (Step 1760). Sort 1: Matches all filters Sort 2: Matches two or more filters Sort 3: Matches one filter Sort 4: Products recommended by Management Server 101 Narrow down the investment products to be recommended in this order. In addition, timing-based filtering is not only used to narrow down investment products, but also to It can also be used to determine the timing of notifications recommending investment products at the end 102.

[0060] FIG. 18 shows an example of a process flow 1800 for calculating the amount to be transferred to an investment account. The investment account transfer amount calculation process flow 1800 is a process flow in which the transfer amount calculation module 214 calculates the amount of the investment account transfer amount. Transfer the amount of the investment product selected by the owner to the owner's investment account. This is the process flow to calculate the amount and determine which asset management company to transfer the funds from. . The transfer amount calculation module 214 receives the purchase amount selected by the owner from the user terminal 102. The information on the investment product to be purchased is obtained (step 1805). The transfer amount calculation module 214 acquires income and expenditure information for all properties linked to the owner. (step 1810). If there is enough property income to pay the full purchase price (step 1815 is Yes), The process proceeds to the processing flow of FIG. 19 (step 1820).

[0061] The transfer amount calculation module 214 calculates the amount of the property transfer if there is no property income sufficient to pay the full purchase price. compares the income from multiple properties and determines whether their rent transfer dates are the same (step 1825). If the rent transfer date is not the same (step 1825 is No), the transfer amount calculation module 214 is the asset management company that transfers the purchase amount in order from the asset management company with the earliest rent transfer date. Select a company (step 1830).

[0062] If the rent transfer date is the same (step 1825 is Yes), the transfer amount calculation module 214 compares the income from multiple properties and determines whether the rent transfer amounts are the same (S Step 1835). If the rent transfer amounts are not the same (No in step 1835), the total rent transfer amount is larger. The asset management company to which the purchase amount will be transferred is selected in order from the asset management company with the smallest purchase amount (step 184 0). If the rent transfer amount is the same (step 1835 is Yes), the total rent managed by the asset management company is Select the asset management company to which you will transfer the purchase amount, starting with the asset management company with the largest number of managed units. (Step 1845).

[0063] Thereafter, the transfer amount calculation module 214 calculates the amount to be transferred to the investment account of each asset management company ( Step 1850), notifying the asset management company terminal 103 of each asset management company of the amount transferred to the investment account. (step 1860). For example, if the purchase price of an investment product is 200,000 yen, and you receive a home loan from an asset management company, If the rent transfer amount and rent transfer date are as follows: Asset Management Company A 80,000 yen January 10th Asset Management Company B 100,000 yen January 20th Asset Management Company C 90,000 yen January 20th Asset management company A, which has the earliest rent payment date, will be selected and given the highest priority. Since the transfer dates for companies B and C are the same, asset management company B, which has the larger transfer amount, is selected and becomes the preferred company. Asset Management Company C, the last remaining company, will be ranked third in priority.

[0064] The transfer amount calculation module 214 calculates the transfer amount to the investment account of each asset management company in this order. , the amounts will be as follows: Purchase price: 120,000 yen Asset Management Company A: 80,000 yen (remaining purchase price: 120,000 yen) Asset Management Company B: 100,000 yen (remaining purchase price: 20,000 yen) Asset Management Company C: 20,000 yen (remaining purchase price: 0 yen) Here, asset management company C transfers 20,000 yen of the rent transfer amount of 90,000 yen to the investment account, The remaining 70,000 yen will be transferred to the owner's regular account, and the amount will be transferred to the asset management company. The asset management company terminal 103 of asset management company C is notified.

[0065] The transfer amount calculation module 214 determines whether the purchase amount of all investment products has been processed. If there is any unprocessed amount remaining (step 1865), Return to.

[0066] FIG. 19 shows an example of a process flow 1900 for calculating the amount to be transferred to an investment account. The transfer amount calculation module 214 calculates whether there is enough property income to pay the full purchase price of the investment product. If so, the process flow 1900 is executed. The transfer amount calculation module 214 calculates the amount of the asset management of the property income that can fully pay the purchase price of the investment product. It is determined whether there are multiple management companies (step 1910), and if there is only one company, If not, select that asset management company as the asset management company to which you will transfer the purchase amount ( Tepp 1920).

[0067] If there are multiple asset management companies with property income that can pay the full purchase price of the investment product (stage (The answer is "Yes" in step 1910) to determine whether the rent transfer dates from each asset management company are the same. The value is determined (step 1930). If the rent transfer date is not the same (step 1930 is No), the transfer amount calculation module 214, the asset management company with the earliest rent transfer date will be the asset management company to which the purchase price will be transferred. and select (step 1940).

[0068] If the rent transfer date is the same (step 1930 is Yes), the total rent managed by the asset management company is Select the asset management company with the largest number of managed units as the asset management company to which you will transfer the purchase amount ( Step 1950). Thereafter, the transfer amount calculation module 214 executes the transfer amount calculation on the asset management company terminal of the selected asset management company. 103 and notify the amount of the investment account transfer.

[0069] The processing flow in Figures 18 and 19 transfers funds to an investment account according to the following rules: The amount and asset management company have been decided. Rule 1: The transfer amount for the product with the earliest investment execution date will be determined first. Rule 2: Asset management with sufficient property income to fully pay the amount transferred to the investment account Priority will be given to the company to transfer funds to investment accounts. Rule 3: The management company whose investment execution date (withdrawal date) and transfer date are far away will be given priority to the investment account. The transfer will be applied. Rule 4: If the property income and the transfer date are the same, the management company with the largest total transfer amount will be given priority. Transfers to investment accounts are applicable. Rule 5: Management companies with a large number of units under management will be given priority when applying for transfers to investment accounts.

[0070] For example, the following is an example of calculating the transfer destination and amount. Case 1: There is a management company that can transfer the entire amount to the investment account. Owner A: Regular investment amount 100,000 yen Investment execution date is the 26th of each month Management company B: Property income 200,000 yen Transfer date is the 24th of each month Management company C: Property income 50,000 yen Transfer date is the 25th of each month In this case, Management company B: Regular account 100,000 yen, investment account 100,000 yen Management company C: Regular account 50,000 yen

[0071] Case 2: The conditions are the same, but the transfer date is different Owner A: Regular investment amount 100,000 yen Investment execution date is the 26th of each month Management company B: Property income 200,000 yen Transfer date is the 25th of each month Management company C: Property income 200,000 yen Transfer date is the 20th of each month In this case, Management company B: Regular account 50,000 yen Management company C: Regular account 100,000, investment account 100,000

[0072] Case 3 Owner A: Regular investment amount 100,000 yen Investment execution date is the 26th of each month Management company B: Property income 50,000 yen Transfer date is the 25th of each month Management company C: Property income 20,000 yen Transfer date is the 25th of every month Management company D: Property income 40,000 yen Transfer date is the 24th of each month Management company E: Property income 20,000 yen Transfer date is the 24th of each month In this case, Management company B: Investment account 50,000 yen Management company C: Investment account 20,000 Management company D: Investment account 30,000, Regular account 10,000 Management company E: Regular account 20,000 yen

[0073] FIG. 20 shows an example of an investment score calculation process flow 2000. The investment score is based on information about the properties owned by the user and the income of those properties. The investment score is calculated based on the owner's adaptability to investment. Basically, it is more likely to own a profitable property and to have purchased investment properties more frequently. Those who are accustomed to investing are more likely to be successful. The investment score calculation module 215 scores based on the properties owned by the owner. (Step 2010). This scoring is called the property score.

[0074] The investment score calculation module 215 calculates the investment score based on the age of the building, address, property type (detached house, apartment, The property information such as the number of elevators, the number of parking spaces, the number of rooms, etc. is stored in the property management server 101. Obtained from DB2400 and property equipment DB2500. The investment score calculation module 215 calculates the investment score based on the acquired information, for example, using the following formula: Calculate the property score.

[0075] Property score = αA + βB + γC + δD + εE + ζZ α+β+γ+δ+ε+ζ=1 A=100-|Optimal age-Age of building| B = Location score (0-100) C = Property type score (0-100) D=100-MAX((number of floors / number of elevators-10),0) E=100-(number of rooms-number of parking spaces) Z = Facility score (0-100)

[0076] MAX(A,B): Gets the maximum value of either A or B. α, β, γ, δ, ε, ζ: Coefficients (0-1) for each calculation element. A: Building age score. Generally speaking, the younger the building, the lower the score, but in some areas, buildings are older. The older the building, the higher the value of the property. Therefore, we define the optimal age for each area and calculate the difference from that. The score is decided. B: Location score. Varies depending on the address. The abundance of surrounding facilities and the distance from the station (external map information AP) It is calculated using the following methods: (using information such as the Internet to obtain information on nearby facilities and the distance from the station). C: Scores are influenced by property type. In some areas, detached houses have higher scores, while apartment complexes have higher scores. If the score of the apartment is high, there are areas where the score of the apartment is not so low, and basically A score is set for each property type in each area, and the address and property type of the property information are used. The score is calculated accordingly. D: If the number of floors / elevators is 10 or less, 100 points. If it is more than 10, 100 points. Points will be deducted. E: A score that indicates whether the parking lot is sufficient for the number of rooms. Z: Calculated by dividing each piece of equipment in the property equipment DB2500 by weighting and the number of pieces of equipment in the property equipment DB2500 It is served.

[0077] The investment score calculation module 215 calculates a score based on the contents of the property owned by the owner. (Step 2020). This scoring is called the room score. The investment score calculation module 215 calculates the number of floors, area, room allocation, layout, number of toilets, and bathrooms. The room information such as the number of rooms, room type, etc. is stored in the room DB 2600 and the room facility DB 2601 of the management server 101. Get it from 2700. The investment score calculation module 215 calculates the investment score based on the acquired information, for example, using the following formula: Calculate the room score.

[0078] Room score = αA + βB + γC + δD + εE + ζZ α+β+γ+δ+ε+ζ=1 A = 100 - |Top floor-Number of floors| However, if it is the first floor, set it to 0 B = Area score (0-100) C = Number of rooms, room type score (0-100) D = 100 - (number of rooms (excluding living rooms) / number of toilets - 1) However, if there are no toilets, it will be 0 do E = Bath number score (0 or 50 or 100) Z = Facility score (0-100)

[0079] A: Floor score. Basically, the more times you do it, the higher your score. B: Area score. The larger the area, the higher the score. C: Number of rooms. The more the number, the higher the score. Room type score. If the living room and kitchen are separated, The score is higher if D: Number of toilets score. The higher the ratio of toilets to the number of rooms, the higher the score. E: Number of baths score. 0 for 0, 50 for 1, 100 for 2 or more. Z: Each piece of equipment in the room equipment DB2700 × weighting / number of pieces of equipment in the property equipment DB2500

[0080] The investment score calculation module 215 performs scoring based on past real estate investments ( Step 2030). This scoring is called the property score. The investment score calculation module 215 calculates the property, the price per room, the yield on the property, the property The information on the cash flow, etc. is stored in the property transaction DB 2800 of the management server 101 and the cash flow Obtained from Low DB3100 etc. The investment score calculation module 215 calculates the investment score based on the acquired information, for example, using the following formula: Calculate the room score.

[0081] Room score = αA + βB + γC + δD α+β+γ+δ=1 A = Total property purchase price score (0-100) B = Average property / room price score (0-100) C = Total Monthly Income Score (0-100) D = Average Yield Score (0-100)

[0082] A: Total property purchase amount score. Less than 50 million yen is 30, 50 million to 100 million yen is 50, 100 million to 300 million yen is 70, 300 million to 500 million yen is 90, and over 500 million yen is 100. B: Average property / room price score. 30 for properties under 30 million yen, 50 for properties over 30 million yen, 5 70 for over 10 million yen, and 100 for over 100 million yen. C = Total monthly income score. Less than 300,000 yen is 30, 300,000-500,000 yen is 50, 500,000-1,000,000 yen is 70, and over 1 million yen is 100. D = Average yield score: <3% is 50, 3-4% is 70, 4% or more is 100.

[0083] The investment score calculation module 215 calculates a score based on past investments other than real estate. This scoring is called the non-real estate investment score (step 2040). The investment score calculation module 215 uses an investment history DB and API or data link from a partner. Obtain past investment information through collaboration. The investment score calculation module 215 calculates the investment score using the following formula, for example, based on the acquired investment information. Calculate the room score.

[0084] Room score = αA + βB + γC + δD + εE α+β+γ+δ+ε=1 A = Investment Level Score (0-100) B = Total Investment Score (0-100) C = Total return (0-100) D = Average yield (0-100) E = Investment account balance (0-100)

[0085] A: The investment level is multiplied by a coefficient to arrive at a score out of 100. B: Multiply the total investment amount by a coefficient to arrive at a score out of 100. C: Multiply the total return by a coefficient to arrive at a score out of 100. D: Less than 3% is 50, 3-4% is 50, and 4% or more is 100. E: Multiply the investment account balance by a coefficient to arrive at a score out of 100.

[0086] The investment score calculation module 215 sums up the scores of each of the above and calculates the investment score in five stages. A score is calculated (step 2050). For example, let's say we have a five-point investment score with the following thresholds: Investment score 5: 250 points or more Investment score 4: 200 points or more Investment score 3: 150 points or more Investment score 2: 100 points or more Investment score 1: Less than 100 points

[0087] The calculated investment score is displayed on the asset management screen for investment of the user terminal 102 as shown in FIG. It is displayed on surface 600. In addition, the investment amount calculation module 212 changes the investment amount based on this investment score. For example, the investable amount calculation module 212 may calculate the investable amount by If the investment score is 4 or higher, the investment amount will be increased.

[0088] In addition, the user investment processing module 312 of the user terminal 102 may In this case (for example, if the investment score is between 1 and 4), the available rent advance amount 60 in Figure 6 is used. If the investment score is good (for example, the investment score is 4 or more), the house will be The available rent advance amount 604 can be displayed, allowing investment through rent advance. In addition, if the investment score is good, the investable amount calculation module 212 calculates the rent. The available advance amount 604 can be varied to increase the amount.

[0089] FIG. 21 is an example of an investment account transfer process flow 2100. The investment account transfer processing flow 2100 is a flow of processing for transferring the amount of the investment account notified by the management server 101. This is a processing flow in which the asset management company performs the transfer processing based on the above. The asset management company management module 411 of the asset management company terminal 103 receives the asset management information from the management server 101. The information regarding the amount to be transferred to the investment account is obtained from the customer (step 2110). The asset management company management module 411 is configured to store the information about the notified investment account transfer amount. The transfer amount to the investment account (investment account 1208 in FIG. 12) is used to transfer the investment account transfer amount. The import setting is executed (step 2120).

[0090] The asset management company management module 411 calculates the rent amount obtained by deducting the amount transferred to the investment account from the rental income amount. The amount to be transferred to the account is calculated (step 2130). The asset management company management module 411 transfers the calculated rent account transfer amount to the rent transfer account ( Execute the transfer settings to transfer the funds to the regular account 1207 of No. 12 (step 2140 ). The asset management company management module 411 is used to set up transfers to the investment accounts that have been set up, Execute the transfer process based on the transfer settings for the payee account (Step 2 150).

[0091] In this embodiment, the management server investment management module 216 of the management server 101 Income information management module 211, investment amount calculation module 212, investment product management module 213, a transfer amount calculation module 214, and an investment score calculation module 215. These processes are performed by the user investment processing module 3 of the user terminal 102. 12 may also be configured to execute the process.

[0092] In this case, the same functions as the management server investment management module 216 are provided to the user of the user terminal 102. The investment processing module 312 of the management server 101 executes the investment processing module 312, and the profit information management module 2 of the management server 101 executes the investment processing module 312 of the management server 101. 11, investment amount calculation module 212, investment product management module 213, transfer amount calculation module The user terminal 102 executes the processes corresponding to the investment score calculation module 214 and the investment score calculation module 215. Revenue information display module, investment amount display module, investment product display module, transfer Each of the sub-modules, such as the amount display module and the investment score display module, is executed.

[0093] That is, when the above embodiment is implemented in the user terminal 102, the asset management company The amount of rental income is displayed based on the information on rental income sent from the asset management company terminal. A means for displaying information on the amount of rental income, which displays the amount of investment available based on the information on the amount of rental income. an investment product display means for displaying the investment amount available to the investee; an investment product display means for receiving a selection of an investment product to be purchased from the investment products displayed; This is achieved by a property management program that enables the terminal to function.

[0094] Also, the investment account transfer amount calculated based on the information about the investment product you selected to purchase. a means for displaying the amount of transfer, information about the property owned by the user and the profits of the property; an investment score display means for displaying an investment score calculated based on the information; This is achieved by a property management program that enables the terminal to function.

[0095] The present invention is not limited to the above-described embodiment, but includes various modifications. For example, the above-described embodiment has been described in detail to clearly explain the present invention. The present invention is not limited to an embodiment having all of the configurations described above. It is possible to replace a part of the configuration of an embodiment with the configuration of another embodiment, and it is also possible to replace a part of the configuration of an embodiment with the configuration of another embodiment. It is also possible to add the configuration of other embodiments to the configuration of this embodiment. It is possible to add, remove, or replace other configurations.

[0096] In addition, the above-mentioned configurations, functions, processing units, processing means, etc. may be implemented in part or in whole by, for example, It may be realized in hardware by designing it as an integrated circuit. The processor interprets and executes the programs that realize the respective functions. It may be realized by software. Programs, tables, files, etc. that realize each function. Information is stored in memory, hard disks, SSDs (Solid State Drives) and other storage devices, can be stored on a recording medium such as an IC card, SD card, or DVD.

[0097] In addition, control lines and information lines are shown as they are considered necessary for explanation purposes, and do not necessarily represent all the lines in the product. This does not necessarily show all control and information lines. In reality, almost all components are interconnected. It can be said that this is the case. The above-described embodiments disclose at least the configurations described in the claims. [Explanation of symbols]

[0098] 1...asset management system, 101...management server, 102...user terminal, 103...asset management system Company terminal, 211...revenue information management module, 212...investment possibility calculation module, 213 …Investment product management module, 214…Transfer amount calculation module, 215…Investment score calculation module Module 311... Registration processing module 312... User investment processing module 411... Asset management company management module

Claims

1. Revenues obtained from the asset management company's terminals to obtain information on rental income amounts Information management means; an investment amount calculation means for calculating an investment amount based on the information on the rental income; an investment product management means for selecting an investment product based on the investable amount; an investment management means for outputting the selected investment product to a user terminal used by the user; A management server having:

2. receiving information about the investment product to be purchased from the user terminal; A transfer amount calculation means for calculating the transfer amount to an investment account based on information about the product The management server of claim 1 .

3. The transfer amount calculation means calculates a plurality of rental income amounts received from a plurality of the asset management company terminals. and information about the investment product to be purchased received from the user terminal; Select one of the asset management company terminals to transmit information regarding the investment account transfer amount based on the The management server according to claim 2 .

4. The transfer amount calculation means calculates the amount of the investment product corresponding to the information on the investment product to be purchased. The asset management company that sent the information about the amount of rental income that can be paid in full The asset management company terminal is one of the asset management company terminals that transmits information regarding the amount of the investment account transfer. The management server according to claim 3, wherein the management server selects

5. The investment management means transmits information regarding the amount of the investment account transfer to the asset management company terminal. The management server according to any one of claims 2 to 4.

6. The asset management company transfers the rental income to the user to the investment unit 2. The method of claim 1, wherein the amount corresponding to the information about the transfer amount is allocated to the investment account of the user.

6. A management server according to any one of claims 1 to 5.

7. The investment management means calculates the amount transferred to the investment account and the rent after deducting the amount transferred to the investment account.

7. The management server according to claim 2, wherein the management server outputs the amount of income to the user terminal.

8. Investing based on information about the properties owned by the user and information about the revenue of those properties 8. The management system according to claim 1, further comprising an investment score calculation means for calculating an investment score. Management server.

9. The investment amount calculation means calculates a claim for changing the investment amount based on the investment score. Item 9. The management server according to item 8.

10. The income information management means manages a plurality of rental incomes received from a plurality of the asset management company terminals. Based on the information on the amount, calculate the total rental income amount, The investment management means outputs information regarding the total rental income amount to the user terminal. The management server according to any one of claims 1 to 9.

11. The investment product management means manages investment products based on information about properties owned by the users.

11. The management server according to claim 1, which selects an item.

12. The investment product management means manages investment products based on information about the user's past investments. The management server according to any one of claims 1 to 10, which selects the above.

13. The investment product management means, based on the content of the chat sent from the user terminal, The management server according to any one of claims 1 to 10, which selects investment products.

14. Based on information on rental income sent from the asset management company terminal used by the asset management company a revenue information display means for displaying the amount of rental income based on the information; A table showing the investment amount calculated based on the information on the rental income amount. means of indication, Displaying investment products selected based on the available investment amount, and selecting from the displayed investment products investment product display means for accepting a selection of the investment product to be purchased; A property management program that allows user terminals to function as a property management system.

15. The amount to be transferred to your investment account will be calculated based on the information about the selected investment product you wish to purchase. Transfer amount display method 15. The property management program according to claim 14, for causing a user terminal to function as a property manager.

16. The transfer amount display means displays the investment account transfer amount and the amount remaining after deducting the investment account transfer amount.

16. The property management program according to claim 14 or 15, further displaying the amount of rental income.

17. Calculated based on information about the properties owned by the user and information about the revenue of those properties. A claim for enabling a user terminal to function as an investment score display means for displaying the investment score obtained Item 17. A property management program according to any one of items 14 to 16.

18. Information regarding rental income is received from the asset management company terminal used by the asset management company, Calculating the amount of investment possible based on the information on the amount of rental income; Selecting an investment product based on the investable amount; A property management method in which the selected investment product is output to a user terminal used by the user.

19. receiving information about the investment product to be purchased from the user terminal; 19. The property management method according to claim 18, wherein the investment account transfer amount is calculated based on information about the product. 。

20. Information regarding the amount of rental income transferred to the user's investment account that has been sent 20. The method according to claim 18 or 19, wherein the amount corresponding to How to manage cases.

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