Information Processing Apparatus, Program, and Method

Abstract

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

Description

Technical Field

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

Background Art

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

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

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

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

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

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

Means for Solving the Problems

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

Effects of the Invention

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

Brief Description of the Drawings

[0010]

Figure 1

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Figure 11

Embodiments for Carrying Out the Invention

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

[0012] <First Embodiment> Hereinafter, an embodiment for performing analysis processing on at least one real estate property that is currently owned or under consideration for purchase as specified by the user will be described.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

[0035] The communication unit 201 performs processes for the server 20 to communicate with external devices.

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

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

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

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

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

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

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

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

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

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

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

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

[0048] The item "user ID" is information for identifying each user.

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

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

[0051] In addition, in the user information database 281, information on properties that the user is considering selling is distinguished from properties that the user owns and stored as properties "under consideration for sale".

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

[0072] In addition, based on the real estate information registered by the user and the real estate information stored in the real estate operation and management system 1, the server 20 extracts a predetermined number of samples of real estate, and calculates the first quartile, median, and third quartile of each revenue and expenditure item (operating income, rental level, operating expenses, property insurance premium, repair cost, maintenance and management cost, etc.), so as to perform comparative analysis with each revenue and expenditure item of each real estate in possession or under-consideration-for-purchase selected by the user.

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

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

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

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

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

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

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

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

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

[0082] As a result, real estate information similar to the real estate selected by the user can be extracted from the real estate information stored in the real estate management system, and information useful for real estate investment can be provided.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

[0102] <4 Screen Examples> Figures 6, 7, and 8 are diagrams showing screen examples of the terminal device of the present disclosure, and are screen examples for displaying the results of respective analysis processes.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

[0117] As a result, it is possible to present the analysis results of the overall borrowing status for a plurality of real estates in possession or under consideration for purchase selected by the user, so that information useful for real estate investment can be provided, such as performing a cash flow simulation when combining real estates in possession and real estates under consideration for purchase.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

[0137] (1) Financial analysis Server 20 performs a financial analysis on at least one operator in which the user is investing or considering investing.

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

[0139] In addition, based on the operator information registered by the user and the operator information stored in the business management system 200, Server 20 extracts a predetermined number of operators, and calculates the first quartile, median, and third quartile of each item (market capitalization, ROE, ROA, BPS, EPS, etc.), and values at predetermined positions when arranged based on the magnitudes of the values of the operators of the predetermined number of samples in each item, so as to perform a comparative analysis with each item of each operator in which the user is investing or considering investing. In this way, Server 20 enables comparison of each item of the financial analysis results of each operator selected by the user with the comparative values calculated based on the detailed information of the operators of the predetermined number of samples.

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

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

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

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

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

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

[0146] Further, based on the detailed information of a plurality of operators in which the user is investing or considering investment, the server 20 may predict each future item (total market value, ROE, ROA, BPS, EPS, etc.) of the plurality of operators and perform a future financial analysis by combining the plurality of operators.

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

[0148] For example, the server 20 extracts information on operators similar to the investment situation of the operator under investment consideration selected by the user from the investment information of other users. Further, based on the information of the extracted similar operators, the server 20 may calculate each item (total market value, ROE, ROA, BPS, EPS, etc.) of the similar operators and present it in a comparable manner to the operator selected by the user.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Explanation of Signs

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

Claims

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

2. In the step of presenting, as the comparison value of each financial item, at least one of the first quartile, median, and third quartile of each financial item calculated based on the information of the business operators or businesses with the predetermined sample size is presented in a form comparable to the financial item of the business operator or business related to the selection. The information processing apparatus according to claim 1.

3. In the step of presenting, other business operators or businesses similar to one business operator or business selected by the user are extracted and used as the business operators or businesses with the predetermined sample size to be compared. The information processing apparatus according to claim 1 or 2.

4. Based on the financial analysis, calculate a parameter for evaluating the financial situation of the plurality of business operators or businesses in the case of combining the plurality of business operators or businesses selected from the information of enterprises in which investment has been made or enterprises under investment consideration, in the step of presenting, present the calculated parameter. The information processing apparatus according to any one of claims 1 to 3.

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

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

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

8. A method executed by a computer including a processor and a memory to provide investment information to a user, the method including the processor presenting information on each business operator or business that is a candidate for an investment destination to the user; receiving an operation of selecting at least one business operator or business from the user; performing analysis processing on the financial situation of the at least one selected business operator or business; presenting the result of the analysis processing. In the step of performing the analysis process, perform a financial analysis based on at least one operator or business information selected by the user, analyze each of a plurality of financial items, In the step of presenting, associate each financial item of one selected operator or business, or each financial item in the case of combining a plurality of selected operators or businesses, as one graph, and present them on the same screen in a form comparable to the comparison values of each financial item of each operator or business with a predetermined sample size in the graph. In the step of presenting, as the comparison value of each financial item, present the value at a predetermined position when arranged based on the magnitude of the value of each financial item of each operator or business with the predetermined sample size in a form comparable to the financial item of the operator or business related to the selection.

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