Information processing device, 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, goods (resources), stocks, bonds, and the like. Conventionally, as disclosed in Patent Document 1, there is a technology that enables a single user to own multiple rental properties and browse the income and expenditure status of each property collectively on a single website.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

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

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

[0006] The system described in Patent Document 1 does not have the functionality to utilize information about businesses or operations in this way.

[0007] This disclosure is made in view of the above and aims to provide useful information for investment by analyzing and processing investment targets such as businesses or projects. [Means for solving the problem]

[0008] According to one embodiment, an information processing device is provided that includes a control unit and a storage unit, and provides investment information to a user. The control unit performs the following steps: presents information on each business or project that is a candidate for investment to the user; accepts an operation from the user to select at least one business or project; performs an analysis on the financial status of the selected at least one business or project; and presents the results of the analysis. In the step of performing the analysis, the control unit performs a financial analysis based on the information of the at least one business or project selected by the user, analyzes each of the multiple financial items, and presents each of the financial items of the selected single business or project, or each of the financial items when multiple selected businesses or projects are combined, in relation to each other to form a single graph, and presents in the graph on the same screen in a form that allows comparison with the comparative values ​​of each financial item of a predetermined number of businesses or projects. [Effects of the Invention]

[0009] According to this disclosure, analytical processing can be performed to provide information useful for investment in businesses or other investment targets. [Brief explanation of the drawing]

[0010] [Figure 1] This diagram shows the overall configuration of the Real Estate Management System 1. [Figure 2] This is a block diagram of a user terminal device 10 that constitutes the real estate management system 1 of the first embodiment. [Figure 3]This diagram shows the functional configuration of the server 20 that constitutes the real estate management system 1 of the first embodiment. [Figure 4] This diagram shows the data structure of the user information database 281 and the real estate information database 282 stored on server 20. [Figure 5] This flowchart shows an example of the flow of analysis processing performed by the real estate management system 1 of the first embodiment on at least one property that a user has designated as either owned or under consideration for purchase. [Figure 6] This is a diagram showing an example screen of the user's terminal device 10. [Figure 7] This is a diagram showing an example screen of the user's terminal device 10. [Figure 8] This is a diagram showing an example screen of the user's terminal device 10. [Figure 9] This diagram shows the data structure of the user information database 281 and the business information database 282 stored on server 20. [Figure 10] This flowchart shows an example of the flow of analysis processing for at least one business operator designated by the user as either owned or under consideration for purchase in the second embodiment. [Figure 11] This is a diagram showing an example screen of the user's terminal device 10. [Modes for carrying out the invention]

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

[0012] <First Embodiment> The following describes an embodiment in which an analysis is performed on at least one property that the user has designated as either owned or under consideration for purchase.

[0013] <1. Overall structure 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 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, or the like. 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 example, a pointing device such as a touch panel, a touch pad, a mouse, etc., a keyboard, etc.) for receiving an input operation from the user. The output device 14 is an output device (display, speaker, etc.) for presenting information to the user. The memory 15 is for temporarily storing programs and data processed by the programs, etc., and is, for example, a volatile memory such as DRAM (Dynamic Random Access Memory). The storage unit 16 is a storage device for storing data, and is, for example, a flash memory, an HDD (Hard Disc Drive). The processor 19 is hardware for executing an instruction set described in a program, and is composed of an arithmetic unit, registers, peripheral circuits, and the like.

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

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

[0019] Communication IF22 is an interface for inputting and outputting signals so that the server 20 can communicate with external devices. Input / Output IF23 functions as an interface to an input device for receiving input operations from the user and an output device for presenting information to the user. Memory 25 is for temporarily storing programs and data processed by programs, etc., and is a volatile memory such as DRAM (Dynamic Random Access Memory). Storage 26 is a storage device for saving data, such as flash memory or HDD (Hard Disk Drive). Processor 29 is hardware for executing the instruction set written in the program, and is composed of an arithmetic unit, registers, peripheral circuits, etc.

[0020] <1.1 Configuration of terminal device 10> Figure 2 is a block diagram of a terminal device 10 that constitutes the real estate management system 1 of the first embodiment. As shown in Figure 2, the 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. The terminal device 10 also has functions and configurations not specifically shown in Figure 2 (for example, a battery for maintaining power, a power supply circuit that controls the supply of power from the battery to each circuit, etc.). As shown in Figure 2, each block included in the terminal device 10 is electrically connected by a bus or the like.

[0021] The communication unit 110 is a component that enables the terminal device 10 to communicate with other devices.

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

[0023] The display unit 140 displays data such as images, videos, and text in accordance with the control unit 180. The display unit 140 is implemented, for example, by a liquid crystal display.

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

[0025] User information 171 is information about a user who manages real estate using the real estate management system 1. User information 171 is, for example, information about a user who is using the real estate management system 1 via a terminal device 10. User information includes information that identifies the user (user ID), information about real estate registered by the user, etc. For real estate registered by the user, information about each property is stored according to the status of the property (owned, sold, under consideration, consideration canceled, etc.).

[0026] Real estate information 172 is real estate information in the real estate management system 1. Real estate information includes information that identifies each property (real estate ID), physical details of each property, type of rights, operating revenue, operating expenses, acquisition price, and borrowing status.

[0027] The control unit 180 controls the operation of the terminal device 10 by reading the program stored in the memory unit 170 and executing the instructions contained in the program. By operating according to the program, the control unit 180 performs the functions of an input operation receiving unit 181, a transmitting / receiving unit 182, a display control unit 183, a real estate registration unit 184, a real estate selection unit 185, and an analysis processing specification unit 186.

[0028] The input operation reception unit 181 processes input operations from the user to input devices such as a mouse and keyboard.

[0029] The transmitting / receiving unit 182 performs processing to enable the terminal device 10 to send and receive data with an external device such as a server 20 in accordance with a communication protocol.

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

[0031] The real estate registration unit 184 processes requests from users to register real estate. For example, the real estate registration unit 184 accepts requests from users to register information about real estate they own, such as the physical details of each property, the type of rights, operating revenue, operating expenses, acquisition price, and borrowing status. The real estate registration unit 184 also accepts requests from users to specify the status of each property, such as owned, sold, under consideration, or consideration discontinued.

[0032] The real estate selection unit 185 performs a process that accepts an operation from the user to select a real estate that they wish to include in the analysis process described later. For example, the real estate selection unit 185 presents all real estate registered by the user according to the status of the real estate, and accepts an operation from the user to select at least one real estate that they currently own or are considering purchasing.

[0033] The analysis processing specification unit 186 accepts an operation from the user to specify the type of analysis processing to be performed on at least one selected property. For example, the analysis processing specification unit 186 presents all the types of executable analysis processing described later and accepts a specification from the user to perform income and expenditure analysis on multiple properties.

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

[0035] The communications unit 201 performs processing to enable 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 the user information database 281, the real estate information database 282, and the like.

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

[0038] The real estate information database 282 is a database for holding real estate information stored in the real estate management system 1. Further details will be provided later.

[0039] The control unit 203 performs the functions shown as various modules by having the server 20's processor process according to the program.

[0040] The receive control module 2031 controls the process by which the server 20 receives signals from external devices according to a communication protocol.

[0041] The transmission control module 2032 controls the process by which the server 20 transmits signals to external devices according to a communication protocol.

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

[0043] The real estate selection reception module 2034 controls the process by which the server 20 receives an operation from the terminal device 10 to select at least one real estate to be used as the subject of the analysis process described later. For example, the real estate selection reception module 2034 receives an operation from the terminal device 10 to select at least one real estate that is currently owned or being considered for purchase.

[0044] The analysis processing specification reception module 2035 controls the process by which the server 20 receives an operation from the terminal device 10 to specify the type of analysis processing described later. For example, the analysis processing specification reception module 2035 receives a specification from the terminal device 10 to perform a profit and loss analysis on multiple properties.

[0045] The analysis processing module 2036 controls the process by which the server 20 performs predetermined analysis on at least one property selected by the user. For example, the analysis processing module 2036 analyzes the income and expenditure status specified by the user for the property the user currently owns and multiple properties the user is considering purchasing.

[0046] <2 Data Structure> Figure 4 shows the data structures of the user information database 281 and the real estate information database 282 stored by the server 20.

[0047] As shown in Figure 4, each record in the user information database 281 includes the fields "User ID", "Name", and "Registered Real Estate", etc.

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

[0049] The item "Registered Properties" contains information about properties that each user has registered when using the Real Estate Management System 1. Specifically, for "Registered Properties," the system stores the property ID for each property based on the status of the property specified by the user (e.g., owned, under consideration for purchase, consideration withdrawn, sold, etc.).

[0050] For example, if a user registers detailed information about a property they own, the server 20 stores that property as a "owned" property. Also, if a user searches the property information stored in the property management system 1 using predetermined search criteria (purpose, address, area, year built, etc.) and designates a property that meets those search criteria as a property they are considering purchasing, the server 20 stores that property as a "property under consideration for purchase."

[0051] Furthermore, the user information database 281 distinguishes between properties owned by the user and those the user is considering selling, and stores this information as "properties under consideration for sale."

[0052] Each record in the 282-record real estate database includes fields such as "Property ID," "Property Name," and "Detailed Information."

[0053] The "Property ID" field is information that identifies each property.

[0054] The "Detailed Information" item contains detailed information about each property, specifically including its physical characteristics, rights, operating revenue, operating expenses, acquisition cost, and borrowing status. This detailed property information is used when performing analytical processing on the properties.

[0055] The "Physical Details" section contains information used to identify each property, and specifically includes information such as the property name, address, main use, detailed use, structure, number of floors, total land area, total building floor area, and completion date.

[0056] The item "Rights" refers to information indicating the rights related to each property, specifically information indicating land rights, building rights, etc., and includes information on land rights, building rights, total number of tenants, leasable area, security deposit, guarantee deposit, leasehold rights, etc.

[0057] The item "Operating Revenue" refers to information indicating the revenue obtained from operating each property, and specifically includes information on rental income, common area maintenance fee income, utility fee income, parking fee income, key money / premium income, renewal fee income, bad debt losses, etc.

[0058] The item "Operating Expenses" refers to information indicating the costs incurred by operating each property, and specifically includes information on maintenance costs, utilities, repair costs, restoration costs, property management fees, tenant recruitment costs, taxes and public charges, property insurance premiums, and rent payments.

[0059] The item "Acquisition Cost" is information that shows the amount paid when purchasing each property.

[0060] The item "Borrowing Status" contains information indicating the borrowing situation from financial institutions to acquire each property, and specifically includes information such as the borrowing date, lending financial institution, branch name, loan amount, contract loan period, and loan interest.

[0061] <3 operations> The following describes the process of performing analysis on real estate using the real estate management system 1 of the first embodiment, with reference to Figure 5.

[0062] Figure 5 is a flowchart illustrating an example of the process by which the terminal device 10 performs analysis on at least one property that the user has specified as either owned or under consideration for purchase.

[0063] In step S511, the terminal device 10 accepts an operation from the user to register a property. For example, the terminal device 10 accepts an operation from the user to input detailed information about a property currently owned. Alternatively, the terminal device 10 accepts an operation from the user to designate a property that meets the desired purchase conditions as a property "under consideration for purchase".

[0064] In step S521, the server 20 distinguishes and stores information about properties owned by the user, known as "owned property information," and information about properties the user is considering purchasing, known as "purchase consideration information," in response to the user's registration of real estate.

[0065] For example, server 20 stores information about each property in user information database 281 and property information database 282 based on the status of the property specified by the user (owned, under consideration for purchase, consideration withdrawn, sold, etc.), distinguishing between "owned properties" and "properties under consideration for purchase."

[0066] Furthermore, the server 20 may distinguish and store information about properties that the user is considering selling from among the information it holds. For example, if a user designates a particular property they hold as a property they are considering selling, the status of that property is set to "Under Consideration for Sale" and stored separately from other properties the user holds.

[0067] In step S522, the server 20 presents the user with information on properties it owns or properties it is considering purchasing. For example, the server 20 presents the user with various information (physical details, type of rights, operating revenue, operating expenses, etc.) on properties the user owns or properties the user is considering purchasing.

[0068] In step S512, the terminal device 10 receives an operation from the user to select at least one of the properties shown in the presented ownership information or purchase consideration information. For example, if the user wants to know the business performance if they purchase all the properties they currently own, as well as some of the properties they are considering purchasing, they will perform the operation to select all the properties they currently own and the properties they are considering purchasing.

[0069] In step S523, the server 20 performs an analysis on the management status of at least one selected property based on the information it owns or is considering purchasing. For example, the server 20 performs the following analysis:

[0070] (1) Income and expenditure analysis Server 20 performs a financial analysis on at least one property that the user has selected as either owned or considering purchasing.

[0071] (1-1) Income and expenditure analysis for each property Server 20 calculates income and expenditure items such as operating revenue, rent levels, operating expenses, property insurance premiums, repair costs, and maintenance costs for each property, based on the detailed information of each property selected by the user that is currently owned or under consideration for purchase, and performs an income and expenditure analysis for each property. In addition, Server 20 calculates the unit area (for example, 1 square meter (1 m)) of each property based on the detailed information of each property selected by the user. 2 We calculate the operating revenue per square meter, rent levels, operating expenses, property insurance premiums, repair costs, and maintenance costs, and conduct a per-square-meter profit and loss analysis for each property.

[0072] Furthermore, the server 20 may extract a predetermined number of properties based on the property information registered by the user as well as the property management system 1, and calculate the first quartile, median, and third quartile of each income and expenditure item (operating revenue, rent level, operating expenses, property insurance premiums, repair costs, maintenance costs, etc.) to perform a comparative analysis of each income and expenditure item for each property owned or under consideration for purchase selected by the user.

[0073] Furthermore, the server 20 may calculate parameters for evaluating each property based on the detailed information of each property that the user has selected to own or is considering purchasing. For example, the server 20 comprehensively evaluates the financial situation of each property based on the calculated financial items and calculates a comprehensive financial evaluation parameter for each property in numerical format.

[0074] Furthermore, the server 20 may also predict future income and expenditure items for each property (operating revenue, rent levels, operating expenses, property insurance premiums, repair costs, maintenance costs, etc.) based on detailed information of each property that the user has selected to own or is considering purchasing, and perform a future income and expenditure analysis for each property.

[0075] (1-2) Income and expenditure analysis of multiple properties Server 20 calculates income and expenditure items such as operating revenue, rent levels, operating expenses, property insurance premiums, repair costs, and maintenance costs for a combined property portfolio, based on detailed information of multiple properties selected by the user that are currently owned or under consideration for purchase, and performs an income and expenditure analysis of the combined properties. Furthermore, Server 20 calculates operating revenue, rent levels, operating expenses, property insurance premiums, repair costs, and maintenance costs per square meter for a combined property portfolio, based on detailed information of multiple properties selected by the user, and performs an income and expenditure analysis of the combined properties per square meter.

[0076] Furthermore, the server 20 may extract a predetermined number of properties based on property information owned or under consideration for purchase by other users, in addition to the property information registered by the user, and calculate the first quartile, median, and third quartile for each income and expenditure item (operating revenue, rent level, operating expenses, property insurance premiums, repair costs, maintenance costs, etc.) to perform a comparative analysis with the income and expenditure items when multiple properties owned or under consideration for purchase selected by the user are combined.

[0077] Furthermore, the server 20 may calculate parameters for evaluating a combination of multiple properties based on detailed information of multiple properties that the user has selected to own or is considering purchasing. For example, the server 20 comprehensively evaluates the financial situation of the combined properties based on each financial item when the multiple properties are combined, and calculates a comprehensive financial evaluation parameter for the combined properties in numerical format.

[0078] This allows users to perform income and expense analyses for at least one property they currently own or are considering purchasing, as well as for combining multiple properties. For example, it can perform an income and expense analysis if the user purchases a property they are considering in addition to their currently owned property. Therefore, it can provide information useful for real estate investment.

[0079] Furthermore, the server 20 may also predict future income and expenditure items (operating revenue, rent levels, operating expenses, property insurance premiums, repair costs, maintenance costs, etc.) for multiple properties selected by the user based on detailed information of those properties currently owned or under consideration for purchase, and perform future income and expenditure analysis by combining the multiple properties.

[0080] (1-3) Extraction of properties similar to the selected property. Server 20 extracts property information similar to the selected property, based on a financial analysis of at least one property owned or under consideration for purchase by the user, from the property owned or under consideration information of other users.

[0081] For example, server 20 extracts property information similar to the income and expenditure situation of the property the user has selected for purchase from the property information held by other users. Furthermore, server 20 may calculate each income and expenditure item (operating revenue, rent level, operating expenses, property insurance premiums, repair costs, maintenance costs, etc.) of the similar property based on the extracted information, and present them in a way that allows comparison with the property selected by the user.

[0082] This allows the system to extract property information similar to the property selected by the user from the property information stored in the property management system, providing information useful for real estate investment.

[0083] (2) Portfolio analysis Server 20 presents the results of its analysis of a portfolio of properties selected by the user, consisting of multiple properties currently owned or under consideration for purchase, in a comparable manner. For example, Server 20 identifies and compares the acquisition cost, appraisal value, outstanding loan balance, inheritance tax valuation, and NOI (Net Operating Income) of multiple properties selected by the user, and displays the analysis results in a single graph.

[0084] Furthermore, Server 20 extracts predetermined elements from the information held or under consideration for purchase, performs a weighting analysis on the respective predetermined elements of each property, and presents the results of the analysis in a comparable manner. For example, Server 20 performs a weighting analysis on the acquisition cost of each property in a portfolio consisting of multiple properties held and under consideration for purchase selected by the user, and displays the weight of each property in relation to the total acquisition cost of the multiple properties in a single graph.

[0085] Server 20 may also present, in a comparable manner, the results of an analysis of the future management status of each property in a portfolio consisting of multiple properties that the user has selected to own or is considering purchasing. For example, Server 20 may predict and compare the future NOI (Net Operating Income) of multiple properties that the user has selected to own and is considering purchasing, and display the future NOI of multiple properties in a single graph.

[0086] This allows the analysis results for a portfolio of multiple properties that the user has selected, either currently owning or considering purchasing, to be presented in a comparable manner. This provides useful information for real estate investment, such as comparing properties under consideration with those currently owned, or evaluating the performance of a real estate portfolio.

[0087] (3) Analysis of borrowing situation Server 20 performs a debt analysis for each property that the user has selected to own or is considering purchasing. For example, Server 20 analyzes the debt situation for each property, including the outstanding debt, cash flow, and cumulative cash flow, based on factors such as operating revenue, operating expenses, repair costs, income tax, years elapsed, loan date, loan amount, contract loan period, and loan interest.

[0088] Furthermore, Server 20 performs an overall debt analysis, including forecasting future overall cash flows for multiple properties selected by the user that are currently owned or under consideration for purchase. For example, based on the operating revenue, operating expenses, repair costs, income tax, elapsed years, loan date, loan amount, contract loan period, and loan interest for each property selected by the user, Server 20 analyzes the debt situation for multiple properties, including future overall outstanding debt, cash flow, and cumulative cash flow.

[0089] This allows for a separate debt analysis of at least one property that the user has selected to own or is considering purchasing, as well as a combined debt analysis of multiple properties. For example, it can analyze the debt situation if the user purchases a property they are considering in addition to their existing properties. Therefore, it can provide information useful for real estate investment.

[0090] In step S524, the server 20 sends the results of the analysis process to the terminal device 10. For example, the server 20 sends the results of the income and expenditure analysis when the user combines the properties they currently own and the properties they are considering purchasing to the terminal device 10.

[0091] In step S513, the terminal device 10 displays and presents the results of the analysis process to the user. For example, the terminal device 10 displays and presents the results of the income and expenditure analysis when the user combines the property they currently own with the property they are considering purchasing.

[0092] Through the above series of processes, various analyses can be performed on at least one property that the user has selected as either owned or 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] <Variation> (1) Disclosure of information to financial institutions Server 20 may also present to financial institutions the results of an analysis process on at least one property selected from owned information or information under consideration for purchase. For example, Server 20 provides financial institutions with information showing the income and expenditure analysis and borrowing situation analysis of properties owned by a given user, as well as information on properties under consideration for purchase. For example, Server 20 accepts input of search criteria from users of the financial institution to search for users who manage real estate at the financial institution's terminal device. In response to the search criteria entered at the financial institution's terminal device, Server 20 refers to the user information database 281 and the real estate information database 282, and transmits the search results, which are information on users who manage real estate, to the financial institution's terminal device. For example, Server 20 accepts input of search criteria from users of the financial institution based on each item in the user information database 281 or each item in the real estate information database 282. Specifically, Server 20 may also accept input of search criteria from users of the financial institution regarding properties that users who manage real estate are "considering purchasing." For example, it accepts the amount of borrowing required to acquire the property "considering purchasing" as a search criterion.

[0094] Furthermore, the server 20 may transmit information such as "owned," "under consideration for purchase," "consideration withdrawn," and "sold" that each user engaged in real estate management has set for each property, to the financial institution's terminal equipment, based on the user information database 281. The server 20 may also allow users of the financial institution to send messages to users engaged in real estate management. This allows users of the financial institution to check information on properties owned and properties under consideration for purchase by each user engaged in real estate management, and to make offers such as loan requests to those users engaged in real estate management.

[0095] This allows financial institutions to easily check necessary basic real estate information (such as lease status lists, monthly income and expenditure statements, annual performance reports, repair history reports, and loan status lists). Furthermore, if a financial institution determines that the collateral value of a user significantly exceeds their outstanding loan balance, they can offer the user a loan, thus enabling a matching service between real estate managers who wish to borrow funds for purchase and financial institutions that wish to provide loans.

[0096] (2) Registration of sub-users Server 20 may accept an operation from a user to register a sub-user ID associated with their user ID (main user ID) and create at least one sub-user ID. For example, if a user enters an email address, Server 20 creates a sub-user ID corresponding to that email address. This allows the sub-user to access the main user's information.

[0097] Furthermore, the server 20 may manage the permissions of each sub-user based on the main user's settings. For example, the main user may specify the property ID of the property information that each sub-user can access, and sub-users may only be able to access specific properties owned by the main user. The main user may also restrict the operations that each sub-user can perform on the property information. For example, the main user's settings may allow certain sub-users to view certain property information owned by the main user or to register new property information.

[0098] Server 20 may also transfer subuser IDs between main users or promote subuser IDs to main user IDs. For example, in the case of transferring subuser IDs between main users, suppose there is a first main user "User 1", a second main user "User 2", and a first subuser "User 3" associated with the first main user "User 1". Suppose the first main user "User 1" is the real estate management company of the first subuser "User 3". The association between the first subuser "User 3" and the first main user "User 1" is removed, and the association between the first subuser "User 3" and the second main user "User 2" is made. For example, the first main user "User 1" and the second main user "User 2" may or may not have some kind of relationship, such as being companies in the same group or sister branches. For example, if circumstances arise that cause the management jurisdiction of the first sub-user "User 3" to be transferred 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] Furthermore, server 20 may prevent sub-users from accessing the main user's real estate information until certain conditions are met, and may allow sub-users to access the main user's real estate information once those conditions are met. Here, "meeting the certain conditions" includes the main user reaching a specific state.

[0100] For example, the main user here may be the deceased, and the sub-users may be the heirs. The main user, who is the deceased, can designate at least one heir as a sub-user, allowing the heirs to access information about properties owned by the deceased, properties they are considering purchasing, etc. This makes it easy to share the main user's property information with the sub-users and provide useful information for inheritance discussions. Furthermore, based on the property analysis results, useful information can be provided to the users by suggesting the sale, purchase, or organization of properties as inheritance planning measures. Here, the server 20 may, in response to information indicating that the main user is in a situation to inherit from the sub-users, enable the sub-users to share the main user's property information. For example, the server 20 may, in response to receiving notification that the main user, who is the deceased, has passed away, enable the sub-users to access the main user's property information.

[0101] Furthermore, for example, the main user in this context may be a real estate business owner, while the sub-users may be professionals such as tax accountants, lawyers, real estate appraisers, or property management companies. By designating professionals as sub-users, the main user, who is a real estate business owner, can allow the professionals to access information on properties owned by the real estate business owner, properties under consideration for purchase, etc. This makes it easy to share the main user's real estate information with sub-users. Additionally, server 20 may link the same professional sub-user ID to multiple main user IDs. For example, server 20 may assign one sub-user ID to the same tax accountant and link it to the main user IDs of multiple real estate business owners, displaying the username of each main user ID for that sub-user ID.

[0102] <4 Screen Examples> Figures 6, 7, and 8 show examples of screens of the terminal device of this disclosure, and are examples of screens that display the results of each analysis process.

[0103] Figure 6 shows an example screen displaying the results of an income and expenditure analysis for multiple properties selected by the user. As shown in Figure 6, in the terminal device 10, area 131 displays an area for selecting properties. Properties registered by the user are presented according to their status (owned, under consideration for purchase, etc.), and properties selected by the user are displayed as black squares (in Figure 6, property 1 owned and property 2 under consideration for purchase are selected).

[0104] This allows users to narrow down the properties they want to analyze by status, and to select and analyze multiple properties with different statuses simultaneously.

[0105] Furthermore, area 132 displays parameters that comprehensively evaluate the financial performance of multiple properties selected by the user. In Figure 6, the "Overall Financial Performance Evaluation" parameter, which comprehensively evaluates the financial performance of a combination of the currently owned property 1 and property 2 under consideration for purchase, is displayed in numerical format.

[0106] Furthermore, in area 133, the financial status of multiple properties selected by the user is displayed on the same graph for each financial item (operating revenue, rent level, operating expenses, property insurance premiums, repair costs, maintenance costs, etc.). In Figure 6, the financial status of the combined property 1 currently owned and property 2 under consideration for purchase (target property) is displayed on a single radar chart (called a score map) for each financial item, and each financial item (operating revenue, rent level, operating expenses, property insurance premiums, repair costs, maintenance costs) is displayed on the same graph. In addition, the first quartile, median, and third quartile of each financial item, calculated by extracting a predetermined sample number of properties from the property information stored in the property management system 1, are displayed on the same graph as the financial status of multiple properties selected by the user.

[0107] Furthermore, area 134 displays detailed information on each income and expense item for multiple properties selected by the user. In Figure 6, the operating revenue per square meter for the combined income and expense situation (target property) of property 1 currently owned and property 2 under consideration for purchase is shown as a straight line on a scatter plot. In addition, the first quartile, median, mean, and third quartile of the operating revenue per square meter for regional properties stored in the real estate management system 1 are displayed as points on the scatter plot, allowing for comparison with the target property. In addition to operating revenue per square meter, the system may also display operating expenses (compared to properties by total floor area), rent levels (compared to properties by region), repair costs (compared to properties by age), maintenance costs (compared to properties by total floor area), and operating income and expenses (compared to properties by region) for the target property selected by the user.

[0108] This allows users to easily understand the financial status of multiple properties they currently own or are considering purchasing, while simultaneously viewing the analysis results for each income and expense item.

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

[0110] This allows users to narrow down the properties they want to analyze by status, and to select and analyze multiple properties with different statuses simultaneously.

[0111] Furthermore, in area 135, the results of the analysis processing for each property in a portfolio consisting of multiple properties selected by the user are presented in a comparable manner. In Figure 7, the repair cost-to-rent level ratio per square meter for property 4 currently owned and properties 5 and 6 under consideration for purchase are displayed in a single graph for comparison, and the regression line obtained from each repair cost-to-rent level ratio per square meter is also displayed in a single graph. In addition to the repair cost-to-rent level ratio per square meter, the NOI (Net Operating Income) to acquisition cost ratio, NOI yield to acquisition cost yield ratio, NOI yield to rent level ratio, inheritance tax valuation to appraisal value ratio may also be displayed for each property in the portfolio selected by the user.

[0112] Furthermore, in area 136, predetermined elements are extracted from a portfolio of multiple properties selected by the user, and a weighting analysis is performed on each of these predetermined elements for each property. The results of the analysis are then presented in a comparable manner. In Figure 7, the respective weights of the acquisition cost, appraised value, outstanding loan balance, and inheritance tax valuation of the owned property 4 and the properties 5 and 6 under consideration for purchase are displayed in comparable pie charts. Alternatively, weighting analyses of multiple items may be displayed in a comparable manner on a single graph. For example, the weighting analysis of the acquisition cost of each property and the weighting analysis of the outstanding loan balance of each property may be displayed in a single double donut chart.

[0113] This allows the analysis results for a portfolio of multiple properties that the user has selected, either currently owning or considering purchasing, to be presented in a comparable manner. This provides useful information for real estate investment, such as comparing properties under consideration with those already owned. Furthermore, the analysis results for each of the multiple properties within the portfolio can be displayed on the same screen, presenting the results in a way that is easy for the user to understand.

[0114] Figure 8 is an example screen showing the results of a loan status analysis for multiple properties selected by the user. As shown in Figure 8, in the terminal device 10, area 131 displays an area for selecting properties. Properties registered by the user are presented according to their status (owned, under consideration for purchase, etc.), and properties selected by the user are displayed as black squares (in Figure 8, property 1 owned and property 2 under consideration for purchase are selected).

[0115] This allows users to narrow down the properties they want to analyze by status, and to select and analyze multiple properties with different statuses simultaneously.

[0116] Furthermore, area 137 displays the overall borrowing situation for multiple properties selected by the user. Figure 8 shows the future overall outstanding debt (loan balance), cash flow, and cumulative cash flow when combining property 1 (currently owned) and property 2 (under consideration for purchase). In the example in Figure 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 example shown, the bar graph on the left for each year shows the "outstanding debt (loan balance)," and the bar graph on the right shows the "cumulative cash flow."

[0117] This allows the system to present an analysis of the overall borrowing situation for multiple properties that the user has selected, either currently owning or considering purchasing. This enables the system to provide useful information for real estate investment, such as cash flow simulations when combining properties owned with those under consideration for purchase.

[0118] <Second Embodiment> The above example described an embodiment in which analysis is performed on at least one property that the user has designated as either owned or under consideration for purchase. However, the data analyzed here is not limited to real estate investment information; it may also be about at least one business or project that the user has designated as either invested in or under consideration for investment. This allows the user to be provided with information useful for investing in businesses or projects. The term "business" here may refer to a listed company, an unlisted company, or any other organization conducting business.

[0119] Furthermore, a business may have multiple businesses. Here, "business" may refer to a business area defined independently by the business. Alternatively, "business" may refer to a generally established business classification, industry classification, or sector classification, such as "retail," "transportation," or "food and beverage." For example, stock exchanges sometimes assign industry classifications along with stock issues. Also, publications containing information on listed companies sometimes indicate industry classifications. Furthermore, businesses may also include real estate management and real estate investment businesses.

[0120] <1 Data Structure> Figure 9 shows the data structure of the user information database 281A and the business information database 282A stored in the server 20.

[0121] As shown in Figure 9, each record in the user information database 281A includes the fields "User ID" and "Registered Business Operator," etc.

[0122] The "User ID" field is information that identifies each user. In the user information database 281A, information such as the user's name may be stored in association with the information that identifies the user.

[0123] The item "Registered Businesses" contains information about businesses that each user has registered when using the business management system 200. Specifically, for "Registered Businesses," the system stores the business ID for each business specified by the user (investment in, investment under consideration, consideration cancelled, etc.).

[0124] For example, if a user registers detailed information about a business in which they are investing, the server 20 refers to the user information database 281A and stores the business in question as a business in which the user is "investing". Also, if a user searches for businesses stored in the business management system 200 using predetermined search criteria (industry, area, listing status, keywords, etc.) and designates a business that meets those search criteria as a business under consideration for investment, the server 20 stores that business as a business under consideration for investment.

[0125] Each record in the business information database 282A includes the fields "Business ID" and "Detailed Information," etc. For each record in the business information database 282A, the server 20 may, for example, accept an operation by a user to register business information, and update the business information database 282A with information that identifies the business, associating it with the details of the user's investment (amount invested, purchase price if shares were acquired, purchase date, etc.). The server 20 may also accept an operation by a user to register a business and register the business information in the business information database 282A. Alternatively, the server 20 may register a business in the business information database 282A by crawling business information from the web, the business company's website, etc.

[0126] The "Business ID" field is information that identifies each business.

[0127] The "Detailed Information" item contains detailed information about each business operator, specifically including their physical assets, financial information, investment returns, investment amounts, etc. This detailed information about each business operator is used when performing analytical processing on them.

[0128] The "Physical Information" item is information used to identify each business operator, and specifically includes information such as the business operator's name, address, business activities, history, officers, and affiliated companies. Server 20 may also store information on the business operator's business classification, industry classification, and sector classification in the "Physical Information" item, etc., in association with the business operator's information.

[0129] The item "Financial Matters" contains information about the financial status of each business operator, specifically including information such as total assets, equity capital, net income, number of outstanding shares, and share price. Server 20 may also store information about the financial status in the "Financial Matters" item according to the business classification to which the business operator belongs. For example, if a business operator is engaged in the "retail" business, information that tends to be of interest in that business classification, such as "inventory turnover rate," may be stored in the "Financial Matters" item as information about the financial status. For example, if a business operator is engaged in the "restaurant" business, Server 20 may store information about the turnover rate of customers visiting stores as information about the business's financial status.

[0130] The item "Investment Return" is information that shows the return obtained by continuing to invest in each business operator, and specifically includes information such as the stock price at the time of purchase, the number of shares held, and dividends. For example, server 20 may store information such as the user's stock price at the time of purchase, the number of shares held, the purchase date, and the sale date in the "Investment Return" item, in association with the user's information.

[0131] The item "Investment Amount" is information indicating the amount paid when investing in each business. For example, server 20 may store information such as the amount invested and the timing of the investment in the "Investment Amount" item, associated with user information.

[0132] <2 operations> Figure 10 is a flowchart illustrating an example of the flow of analysis processing performed on terminal device 10 for at least one business specified by the user as either currently invested in or under consideration for investment.

[0133] In step S611, the terminal device 10 accepts an operation from the user to register a business operator. For example, the terminal device 10 accepts an operation from the user to input detailed information about a business operator in which an investment is being made. Alternatively, the terminal device 10 accepts an operation from the user to designate a business operator that meets the desired investment conditions as a business operator "under consideration for investment".

[0134] In step S621, the server 20 distinguishes between investment information, which is information on investments the user already owns, and investment consideration information, which is information on investments the user is considering investing in, and stores them in the storage unit 202. The server 20 then presents the user with either the investment information or the investment consideration information. For example, the server 20 presents the user with various information (physical details, rights, operating revenue, operating expenses, etc.) about the businesses in which the user has invested or is considering investing.

[0135] In step S612, the terminal device 10 receives an operation from the user to select at least one of the businesses shown in the presented investment information or investment consideration information. For example, if the user wants to know the financial situation if they invest in all the businesses they are currently investing in, as well as some of the businesses they are considering investing in, they perform the operation to select all the businesses they are currently investing in and the specific businesses they are considering investing in.

[0136] In step S622, the server 20 performs an analysis on the financial status of at least one selected business based on the information being invested in or under consideration for investment. For example, the server 20 performs the following analysis:

[0137] (1) Financial analysis Server 20 performs a financial analysis on at least one business selected by the user that is currently invested in or under consideration for investment.

[0138] (1-1) Financial analysis of each business operator Server 20 performs a financial analysis of each company by calculating items such as market capitalization, ROE (Return on Equity), ROA (Return on Assets), BPS (Book-value Per Share), EPS (Earnings Per Share), PSR (Price Sales Ratio), and PER (Price Earnings Ratio) based on the detailed information of each company selected by the user that is currently invested in or under consideration for investment.

[0139] Furthermore, the server 20 may extract a predetermined number of businesses based on the business information stored in the business management system 200, in addition to the business information registered by the user, and calculate the first quartile, median, and third quartile of each item (market capitalization, ROE, ROA, BPS, EPS, etc.) and the value at a predetermined position when the businesses are sorted based on the magnitude of the values ​​of the predetermined number of businesses. In this way, the server 20 may compare each item of the financial analysis results of each business selected by the user with the comparative value calculated based on the detailed information of the predetermined number of businesses.

[0140] Furthermore, the server 20 may calculate parameters for evaluating each business based on the detailed information of each business that the user has selected as currently invested in or is considering investing in. For example, the server 20 comprehensively evaluates the investment status of each business based on the calculated items and calculates a comprehensive profit and loss evaluation parameter for each business in numerical format.

[0141] Furthermore, the server 20 may also predict future metrics for each business (market capitalization, ROE, ROA, BPS, EPS, etc.) based on detailed information of each business selected by the user that is currently invested in or under consideration for investment, and conduct a future financial analysis for each business.

[0142] (1-2) Financial analysis of multiple businesses Server 20 calculates items such as the average market capitalization, ROE, ROA, and variance of multiple businesses selected by the user, based on detailed information of the businesses currently invested in or under consideration, and performs financial analysis by combining these multiple businesses. These items include the average market capitalization, ROE, ROA, and other average values, as well as values ​​for predetermined positions when sorted by magnitude, such as the first quartile, median, and third quartile.

[0143] Furthermore, the server 20 may extract a predetermined number of businesses based on business information of other users that are currently invested in or considering investment, in addition to the business information registered by the user, and calculate the first quartile, median, and third quartile for each item (market capitalization, ROE, ROA, BPS, EPS, etc.) to perform a comparative analysis with the items when multiple businesses selected by the user that are currently invested in or considering investment are combined.

[0144] Furthermore, the server 20 may calculate parameters for evaluating a combination of multiple businesses selected by the user, based on detailed information about those businesses currently invested in or under consideration. For example, the server 20 comprehensively evaluates the investment situation when multiple businesses are combined, based on each item when multiple businesses are combined, and calculates a numerical overall profit and loss evaluation parameter for the combination of multiple businesses.

[0145] This allows users to perform financial analyses on each individual business they have selected as either currently invested in or considering investing in, as well as financial analyses of multiple businesses combined. For example, it can perform financial analyses of investing in businesses under consideration in addition to the businesses currently invested in. Therefore, it can provide information that is useful for business investments.

[0146] Furthermore, the server 20 may also predict future metrics (market capitalization, ROE, ROA, BPS, EPS, etc.) of multiple businesses selected by the user that are currently investing in or considering investing in, based on their detailed information, and perform future financial analysis by combining multiple businesses.

[0147] (1-3) Extraction of businesses similar to the selected businesses. Server 20 extracts business information similar to the selected business, based on a financial analysis of at least one business that the user has invested in or is considering investing in, from other users' investment information or investment consideration information.

[0148] For example, server 20 extracts information on businesses similar to the investment status of the business being considered by the user, based on the investment information of other users. Furthermore, server 20 may calculate various metrics (market capitalization, ROE, ROA, BPS, EPS, etc.) for these similar businesses based on the extracted information, and present them in a way that allows comparison with the business selected by the user.

[0149] This allows the system to extract information about businesses similar to the one selected by the user from the business information stored in the business management system, and to provide information that is useful for the business's investment.

[0150] (2) Portfolio analysis Server 20 presents the results of its analysis of a portfolio of multiple companies selected by the user that are currently invested in or under consideration, in a comparable manner. For example, Server 20 identifies and compares multiple items such as stock price per share, dividend per share, ROE, and ROA for multiple companies selected by the user that are currently invested in or under consideration, and displays the analysis results, which correlate each of the multiple items, in a single graph. For example, it may be displayed as shown in Figure 11.

[0151] As shown in Figure 11, the server 20 receives from the user the designation of businesses currently invested in and businesses under consideration for investment in the display unit 131A. The server 20 displays parameters that evaluate the quality of the financial analysis results based on the information of the businesses currently invested in or under consideration for investment specified by the user in the display unit 132A. The server 20 displays the relationships between multiple financial items (six financial items are shown in the illustrated example) by arranging each of them adjacently to form a polygon shape in the graph display unit 133A. For each financial item, the server 20 displays information on businesses currently invested in and businesses under consideration for investment specified by the user (the "target businesses" in the example shown in Figure 11) in a way that allows comparison with the values ​​of each financial item for a predetermined sample number of businesses. In the illustrated example, the values ​​of the first quartile, median, and third quartile are displayed in a way that allows comparison with the information of the businesses specified by the user, as values ​​arranged based on the magnitude of the values ​​of each financial item for a predetermined sample number of businesses.

[0152] Furthermore, Server 20 extracts predetermined elements of information currently invested in or under consideration for investment, performs a weighting analysis on those predetermined elements for each business operator, and presents the results of the analysis in a comparable manner. For example, Server 20 performs a weighting analysis on the investment amounts of each business operator in a portfolio consisting of multiple businesses currently invested in or under consideration for investment selected by the user, and displays the respective weights of each business operator in the total investment amount of the multiple businesses in a single graph.

[0153] Server 20 may also present, in a comparable manner, the results of an analysis of the future investment status of each of the businesses selected by the user as part of a portfolio consisting of multiple businesses currently invested in or under consideration for investment.

[0154] This allows the analysis results for a portfolio of multiple businesses that a user has selected as either currently invested in or considering investing in to be presented in a comparable manner. This provides useful information for business investment, such as comparing businesses under consideration with those currently invested in, or evaluating the investment performance of a business portfolio.

[0155] In step S623, the server 20 transmits the results of the analysis process to the terminal device 10. For example, the server 20 transmits the results of the investment analysis when the user combines the company currently invested in with the company under consideration for investment.

[0156] In step S613, the terminal device 10 displays and presents the results of the analysis process to the user. For example, the terminal device 10 displays and presents the results of a financial analysis when the user combines the company currently being invested in with the company under consideration for investment.

[0157] Through the above series of processes, various analytical processes can be performed on at least one business that the user has selected as either currently invested in or considering investing in, and the results of the analysis can be presented to the user. Therefore, information useful for investing in that business can be provided.

[0158] <3 Variations> In the example above, server 20 was used to perform a financial analysis on a business specified by the user. However, server 20 may also perform a financial analysis on a business that is currently being conducted or is under consideration for being conducted by the business.

[0159] <Summary> As described above, according to the disclosure shown in the first embodiment, various analytical processes can be performed on at least one property, business, or project that a user has selected, either currently owning or considering purchasing, and the results of the analysis can be presented to the user. Therefore, information useful for real estate investment can be provided.

[0160] According to the disclosure as shown in the second embodiment, analytical processing can be performed to provide information useful for investment in businesses or other investment targets.

[0161] <Note> The details described in each of the above embodiments are noted below.

[0162] The following are additional details that were described in the first embodiment. (Note 1) An information processing device that provides real estate investment information to a user, comprising a control unit (203) and a storage unit (202), wherein the storage unit (202) distinguishes and stores information on real estate owned by the user, which is known as owned information, and information on real estate under consideration for purchase, which is known as purchase consideration information, and the control unit (203) performs a real estate information presentation step (S522) of presenting owned information or purchase consideration information to the user, a selection acceptance step (S512) of receiving an operation from the user to select at least one real estate shown in the presented owned information or purchase consideration information, an analysis step (S523) of performing an analysis on the management status of the selected at least one real estate based on the owned information or purchase consideration information, and an analysis result presentation step (S524) of presenting the results of the analysis.

[0163] (Note 2) The memory unit (202) is an information processing device as described in Appendix 1, which distinguishes and stores information about real estate that the user is considering selling from among the information it holds.

[0164] (Note 3) An information processing device as described in Appendix 1 or 2, which, in the analysis step (S523), performs an income and expenditure analysis on at least one property selected from the information held or the information under consideration for purchase.

[0165] (Note 4) An information processing device as described in Appendix 3, which calculates a parameter for evaluating the value of at least one property selected from owned information or information under consideration for purchase, based on income and expenditure analysis (S523).

[0166] (Note 5) An information processing device as described in Appendix 3, which, based on income and expenditure analysis, extracts real estate information similar to at least one real estate selected from a user's owned information or information under consideration for purchase, from other users' owned information or information under consideration for purchase.

[0167] (Note 6) An information processing device as described in Appendix 1 or 2, which, in the analysis step (S523), presents the results of the analysis processing for each of several properties selected from the owned information or the information under consideration for purchase in a comparable manner.

[0168] (Note 7) An information processing device as described in Appendix 6, which extracts predetermined elements from information held or information under consideration for purchase, performs a weighting analysis on the respective predetermined elements of each property, and presents the results of the analysis in a comparable manner (S523).

[0169] (Note 8) An information processing device as described in Appendix 1 or 2, which, in the analysis step (S523), performs a borrowing status analysis on at least one property selected from the information held or the information under consideration for purchase.

[0170] (Note 9) An information processing device as described in Appendix 8, which predicts the overall future cash flow for multiple properties selected by the user based on the results of income and expenditure analysis and debt situation analysis (S523).

[0171] (Note 10) An information processing device described in any of Appendix 1 to 9, which presents to a financial institution the results of an analysis process on at least one property selected from owned information or information under consideration for purchase.

[0172] (Note 11) The control unit receives access from terminal devices of other users offering to provide funds to the user, and matches the user with the other users, as described in any of the appendices 1 to 10.

[0173] (Note 12) The information processing device according to Appendix 11, wherein the control unit, in matching, receives input from the other user of search conditions relating to the user's real estate information stored in the storage unit, and responds to the other user's terminal device with the users that satisfy the search conditions.

[0174] (Note 13) An information processing device comprising a control unit and a storage unit, which provides real estate investment information to a user, wherein the control unit performs the 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, performing an analysis on the management status of the selected at least one real estate, and presenting the results of the analysis, wherein in the step of performing the analysis, it performs an income and expenditure analysis on the at least one real estate selected by the user, analyzes each of the multiple income and expenditure items, and in the step of presenting, it presents each income and expenditure item of the selected single real estate, or each income and expenditure item when multiple selected real estate are combined, on the same screen in a form that can be compared with comparative values ​​of each income and expenditure item calculated based on a predetermined sample number of real estate information.

[0175] (Note 14) The information processing device described in Appendix 13, which in the step of presenting, presents at least one of a group consisting of a value based on the average of a predetermined sample of real estate information, or a value at a predetermined position when the values ​​of each income and expenditure item of the predetermined sample of real estate information are arranged according to the magnitude of each value, in a form that can be compared with the income and expenditure items of the selected real estate, as a comparison value for each income and expenditure item.

[0176] (Note 15) The information processing device described in (Appendix 14), which, in the step of presenting, presents, as a comparative value for each income and expenditure item, at least one of a group consisting of the first quartile, median, mean, and third quartile of each income and expenditure item calculated based on a predetermined sample size of real estate information, in a form that can be compared with the income and expenditure items of the selected real estate.

[0177] (Note 16) A program comprising a processor and memory for providing real estate investment information to a user, wherein the program causes the processor to perform the steps of: presenting real estate information to the user; accepting an operation from the user to select at least one of the presented real estate properties; performing an analysis on the management status of the selected at least one real estate property; and presenting the results of the analysis, wherein in the step of performing the analysis, the program performs an income and expenditure analysis on the at least one real estate property selected by the user, analyzes each of the multiple income and expenditure items, and in the step of presenting, presents each income and expenditure item of the selected single real estate property, or each income and expenditure item when multiple selected real estate properties are combined, on the same screen in a form that can be compared with comparative values ​​of each income and expenditure item calculated based on a predetermined sample number of real estate information.

[0178] (Note 17) A method for providing real estate investment information to a user, which is executed by a computer having a processor and memory, the method comprising the steps of: the processor presenting real estate information to the user; accepting an operation from the user to select at least one of the presented real estate properties; performing an analysis on the management status of the selected at least one real estate property; and presenting the results of the analysis, wherein in the step of performing the analysis, an income and expenditure analysis is performed on the at least one real estate property selected by the user, and each of the multiple income and expenditure items is analyzed and presented, and in the step of presenting, each income and expenditure item of the selected single real estate property, or each income and expenditure item when multiple selected real estate properties are combined, is presented on the same screen in a form that can be compared with comparative values ​​of each income and expenditure item calculated based on a predetermined sample number of real estate information.

[0179] The following are additional details that were described in the second embodiment.

[0180] (Note 2-1) An information processing device comprising a control unit and a storage unit, which provides investment information to a user, wherein the control unit performs the steps of: presenting information on each business or project that is a candidate for investment to the user; receiving an operation from the user to select at least one business or project; performing an analysis on the financial status of the selected at least one business or project; and presenting the results of the analysis, wherein in the step of performing the analysis, it performs a financial analysis based on the information of the at least one business or project selected by the user, analyzes each of the multiple financial items, and in the step of presenting, it associates each financial item of the selected single business or project, or each financial item when multiple selected businesses or projects are combined, into a single graph, and presents in the graph on the same screen in a form that allows comparison with the comparative values ​​of each financial item of a predetermined number of businesses or projects.

[0181] (Note 2-2) The information processing device described in (Appendix 2-1), which, in the step of presenting, presents at least one of a group consisting of a value based on the average of a predetermined number of businesses or enterprises, or a value at a predetermined position when sorted based on the magnitude of the values ​​of each financial item of each of the predetermined number of businesses or enterprises, as a comparative value for each financial item, in a form that can be compared with the financial items of the business or enterprise to be selected.

[0182] (Appendix 2-3) The information processing device described in (Appendix 2-2), which, in the step of presentation, presents, as comparative values ​​for each financial item, at least one of a group consisting of the first quartile, median, mean, and third quartile of each financial item calculated based on information of a predetermined sample number of businesses or enterprises, in a form comparable to the financial items of the selected business or enterprise.

[0183] (Appendix 2-4) An information processing device as described in (Appendix 2-3), which calculates parameters for evaluating the financial status of at least one business or project selected from information on companies in which investment has been made or companies under consideration for investment, based on financial analysis.

[0184] (Appendix 2-5) An information processing device as described in any of (Appendix 2-1) to (Appendix 2-4), which includes at least ROE (Return on Equity) and ROA (Return on Assets) among its multiple financial items.

[0185] (Appendix 2-6) An information processing device as described in any of (Appendix 2-1) to (Appendix 2-5), which includes at least BPS (Book-value Per Share) and EPS (Earnings Per Share) items among multiple financial items.

[0186] (Appendix 2-7) A program to be executed on a computer comprising a processor and memory for providing investment information to a user, wherein the program performs the following steps on the processor: presenting the user with information on each business or project that is a candidate for investment; accepting an operation from the user to select at least one business or project; performing an analysis on the financial status of the selected at least one business or project; and presenting the results of the analysis, wherein in the step of performing the analysis, the program performs a financial analysis based on the information of the at least one business or project selected by the user, analyzes each of the multiple financial items, and presents each financial item of the selected single business or project, or each financial item when multiple selected businesses or projects are combined, in relation to each other to form a single graph, and presents in the graph on the same screen in a form that allows comparison with the comparative values ​​of each financial item of a predetermined sample number of businesses or projects.

[0187] (Appendix 2-8) A method performed by a computer comprising a processor and memory for providing investment information to a user, the method comprising the steps of: the processor presenting information to the user on each business or project that is a candidate for investment; accepting an operation from the user to select at least one business or project; performing an analysis on the financial status of the selected at least one business or project; and presenting the results of the analysis, wherein in the step of performing the analysis, a financial analysis is performed based on the information of the at least one business or project selected by the user, and each of the multiple financial items is analyzed and presented, and in the step of presenting, each financial item of the selected single business or project, or each financial item when multiple selected businesses or projects are combined, is associated with each other and presented in a graph, and in the graph, each financial item of a predetermined sample number of businesses or projects is presented on the same screen in a form that can be compared with the comparative values ​​of each financial item of each business or project.

[0188] (Appendix 2-9) An information processing device is provided, comprising a control unit and a storage unit, which provides a user with information on businesses or business investments. The control unit performs a selection acceptance step in which it receives an operation from the user to select at least one business or project shown in the presented invested information or investment consideration information; an analysis step in which it performs an analysis process on the financial status of the selected at least one business based on the investment information or investment consideration information; and an analysis result presentation step in which it presents the results of the analysis process. In the presentation step, each financial item of the selected single business or project, or each financial item when multiple selected businesses or projects are combined, is presented on the same screen in a form that allows comparison with the values ​​at predetermined first and second positions when the financial items of each financial item of a predetermined sample number of business or project information are arranged. [Explanation of Symbols]

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

Claims

1. An information processing device equipped with a control unit that provides investment information to a user, The control unit, A step of receiving input from the user for at least one business or company, The steps include: performing an analysis on the financial status of at least one business or entity based on the input information; The steps include outputting the results of the analysis process, In the step of performing the analysis, a financial analysis is performed based on information of at least one business or entity relating to the input information, and each of the multiple financial items is analyzed. An information processing device that, in the output step, associates each financial item of one business or enterprise related to the input information, or each financial item when multiple businesses or enterprises are combined related to the input information, into a single graph, and outputs, as a comparison value for each financial item in the graph, the value at a predetermined position when arranged based on the magnitude of the values ​​of each financial item of a predetermined number of businesses or enterprises, in a form that can be compared with the financial items of the businesses or enterprises related to the input information.

2. The information processing device according to claim 1, wherein in the output step, at least one of a group consisting of the first quartile, median, and third quartile of each financial item calculated based on the information of a predetermined sample size of businesses or companies is output as the comparison value for each financial item in a form that can be compared with the financial items of the businesses or companies relating to the input information.

3. The information processing apparatus according to claim 1 or 2, wherein in the output step, other businesses or businesses similar to one business or business relating to the input information are extracted and used as the predetermined sample number of businesses or businesses to be compared.

4. Based on the aforementioned financial analysis, parameters are calculated to evaluate the financial status of the multiple businesses or projects selected from the information of companies that have already invested in or are under consideration for investment, when these multiple businesses or projects are combined. The information processing apparatus according to any one of claims 1 to 3, wherein in the output step, the calculated parameters are output.

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

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

7. A program to be executed on a computer comprising a processor and memory for providing investment information to a user, wherein the program is executed on the processor, A step of receiving input from the user for at least one business or company, The steps include: performing an analysis on the financial status of at least one business or entity based on the input information; The step of outputting the results of the analysis process is performed, In the step of performing the analysis, a financial analysis is performed based on information of at least one business or entity relating to the input information, and each of the multiple financial items is analyzed. A program that, in the output step, associates each financial item of one business or enterprise related to the input information, or each financial item when multiple businesses or enterprises are combined related to the input information, into a single graph, and outputs, as a comparison value for each financial item in the graph, the value at a predetermined position when arranged based on the magnitude of the values ​​of each financial item of a predetermined number of businesses or enterprises, in a form that can be compared with the financial items of the businesses or enterprises related to the input information.

8. A method performed by a computer comprising a processor and memory for providing investment information to a user, wherein the method involves the processor, A step of receiving input from the user for at least one business or company, The steps include: performing an analysis on the financial status of at least one business or entity based on the input information; The steps include outputting the results of the analysis process, In the step of performing the analysis, a financial analysis is performed based on information of at least one business or entity relating to the input information, and each of the multiple financial items is analyzed. A method comprising the output step, wherein each financial item of one business or enterprise relating to the input information, or each financial item when multiple businesses or enterprises relating to the input information are combined, are associated with each other to form a single graph, and in the said graph, the value at a predetermined position when the items are arranged based on the magnitude of the values ​​of each financial item of a predetermined sample number of businesses or enterprises is output as a comparison value for each financial item in a form that can be compared with the financial items of the businesses or enterprise relating to the input information.

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