Information processing device, information processing method, information processing system, program, and recording medium

Abstract

This information processing device enables sales support without relying on the experience and know-how of sales representatives by providing explanations that can alleviate concerns regarding categorized products, thereby improving the reliability and speed of investment decisions. [Solution] The information processing device includes a simulation result display function that displays the results of at least one of the following simulations: revenue simulation, property acquisition condition simulation, income / expense balance / savings efficiency simulation, correlation simulation between LTP and monthly income / expense, correlation simulation between interest rates and monthly income / expense, rent / price increase simulation, risk analysis simulation, PL / CF (years 1-15) simulation, PL / CF (years 16-30) simulation, PL / CF (years 31-45) simulation, and depreciation simulation.

Description

Technical Field

[0001] The present invention relates to, for example, an information processing apparatus, an information processing method, an information processing system, a program, and a recording medium, and particularly relates to an information processing apparatus, an information processing method, an information processing system, a program, and a recording medium for fractional real estate products (hereinafter abbreviated as "stratified products") in which a section of a real estate property is divided into a desired number of unit properties to be used as investment targets.

Background Art

[0002] In recent years, stratified products divided by floor in office (business office) buildings (for example, the first floor as the first section, the second floor as the second section, the third floor as the third section, etc.) have been set, and such stratified products owned by one or more persons are attracting attention as investment targets for corporations and individuals, or as a personal inheritance countermeasure.

[0003] The first merit is that the financial hurdle can be lowered. Even for a mid-sized building in an urban commercial area that costs several billion yen to purchase as an entire building, the cost can be reduced to a fraction of that amount when owned by multiple parties.

[0004] The second merit is that a higher-grade office can be purchased with the same budget as purchasing an entire building. It is possible to purchase a better-located, higher-quality, higher-grade office with the same budget as when purchasing an entire small-scale building.

[0005] The third merit is high liquidity. In addition to the small number of competing properties, the price is kept low by stratifying the entire building, which expands the pool of potential buyers and increases liquidity.

[0006] The fourth merit is that management costs can be reduced. A management association is established, a repair reserve fund is set up, and operations are carried out based on a long-term repair plan, so unexpected costs can be leveled out.

[0007] Such categorized products contribute to the diversification of a company's business through real estate leasing as a new venture. In particular, real estate leasing is less susceptible to economic fluctuations and has a significant effect on stabilizing the company's financial structure.

[0008] In particular, high-grade office buildings located in commercial areas such as Tokyo continue to increase in asset value, bringing significant benefits to property owners. In other words, condominium units in urban areas, which offer not only large-scale asset value but also high liquidity and stable income, are extremely attractive and reliable real estate. Thus, condominium units can support the business continuity of companies with stable income.

[0009] Furthermore, purchasing individual units for your own office space offers significant advantages. You can purchase only the necessary space, and if you move, you can rent out the office. Unlike renting, purchased units remain as assets, allowing for effective use in the future.

[0010] On the other hand, for individuals, it is popular to include investments in stable real estate, particularly office buildings in urban areas, which offer relatively more stable rental income and capital gains than apartments or condominiums, as part of their asset portfolio.

[0011] Furthermore, when it comes to inheritance, cash and financial assets are valued at market value, but real estate is usually valued at its inheritance tax valuation. Therefore, if real estate is included in the portfolio and there is a difference between the market price and the inheritance tax valuation, its value may be lower compared to cash and deposits.

[0012] Furthermore, owning subdivided real estate increases the flexibility of distribution during inheritance, making a smooth inheritance possible.

[0013] Here, Patent Document 1 discloses a system that includes appropriate methods to make it easier for those purchasing (shipping) subdivided real estate products to buy, in order to address the challenges of selling subdivided real estate products to investors floor by floor, which are still too expensive for ordinary investors to invest in, the lack of familiarity with selecting investment targets and managing investment properties, the risk of investing all funds in a single property, and the hassle of management.

[0014] Furthermore, Patent Document 2 discloses a system that enables highly accurate, simple, and easy-to-use evaluation while flexibly adapting to the environment, when categorized goods are the target of ownership or investment. [Prior art documents] [Patent Documents]

[0015] [Patent Document 1] Japanese Patent Publication No. 2025-107610 [Patent Document 2] Japanese Patent Publication No. 2025-085642 [Overview of the project] [Problems that the invention aims to solve]

[0016] Real estate is inherently expensive, and not every individual or company can afford to own it. Furthermore, from an investment perspective, past examples suggest that success in real estate ownership is limited to commercial properties of a certain size or larger. For this reason, it is often assumed that only a select few financially powerful individuals and companies can succeed in real estate investment.

[0017] However, as mentioned above, the concept of segmented products has emerged, and its many advantages have become recognized. In addition, as seen in Patent Documents 1 and 2, numerous studies have been conducted on risk allocation, management, and evaluation, making real estate investment more accessible than before. Furthermore, the inventors of this case have recently developed a system that systematizes and integrates various properties (products), from ultra-high-priced to affordable options, and are continuing their efforts to make real estate investment even more accessible.

[0018] However, real estate investment remains a high-value endeavor, and making the decision to invest requires careful consideration, determination, and commitment. Furthermore, investing in commercial real estate in urban areas requires extensive expertise in areas such as macroeconomic trends, complex tax systems, and future urban growth potential, resulting in a complex and diverse range of questions and concerns among investors.

[0019] Furthermore, while recent advancements such as systemization have reduced individual differences and improved average performance, it's undeniable that traditional practices still mean sales performance inevitably depends on the accumulated experience and know-how of sales representatives. This is one of the reasons why investors, particularly those investing in categorized products, hesitate to make a decision.

[0020] In this regard, the inventors of this case, after further consideration, finally obtained a new clue. In their conventional approach to customers, they focused on the advantages of the investment-oriented product and how to handle it as a product, and these results were gradually gaining recognition (Patent Documents 1 and 2, etc.). However, even though customers fully understood these advantages through explanations from sales representatives, there was something missing that prevented them from taking the final step.

[0021] That is to eliminate the worries, sense of inequality, sense of unfairness, anxiety, distrust, misunderstandings, lack of understanding, insufficient services, and other similar equivalent psychological states, etc., that are individually felt by each and every investor, no one else but the investors themselves. Hereinafter, these elimination targets, in other words, the psychological states that may become obstacles to moving forward if not eliminated, are represented and expressed by "concerns". That is, the elimination targets including worries, sense of inequality, sense of unfairness, anxiety, distrust, misunderstandings, lack of understanding, insufficient services, and other similar equivalent psychological states, etc., are referred to as "concerns".

[0022] And while concerns (elimination targets) vary widely among individual investors, it is not acceptable that a response from a sales representative gives rise to further concerns of the customer. Regarding these matters, the actual situation was that conventionally, reliance had to be placed on the experience, know-how, etc., of sales representatives.

[0023] Therefore, regardless of whether it is implemented by hardware (HW), software (SW: algorithm), or the cooperation thereof, a function of presenting explanations capable of eliminating concerns through display, printing, or other similar methods (hereinafter referred to as "concern elimination explanation presentation function") has been strongly desired.

[0024] In order to solve such problems, the present invention aims to provide an information processing apparatus, an information processing method, an information processing system, a program, and a recording medium, which enable presentation of explanations capable of eliminating concerns related to classified products, thereby enabling sales support without relying on the experience, know-how, etc., of sales representatives, and making it possible to improve the reliability and speed of investment decisions. [Means for Solving the Problems]

[0025] To solve the above problem, an information processing apparatus according to the first aspect of the present invention is an information processing apparatus capable of supporting sales activities for targeting divided products obtained by dividing a real estate property parcel into a desired number of unit properties as investment targets, and is provided with a simulation result display function for displaying the results of at least one or more of a revenue simulation, a property acquisition condition simulation, a income and expenditure balance / savings efficiency simulation, a simulation of the correlation between LTP and monthly income and expenditure, a simulation of the correlation between interest rates and monthly income and expenditure, a rent and price increase simulation, a risk analysis simulation, a PL / CF (1st year to 15th year) simulation, a PL / CF (16th year to 30th year) simulation, a PL / CF (31st year to 45th year) simulation, and a depreciation simulation.

[0026] This information processing apparatus is provided with a simulation result display function for displaying the results of at least one or more simulations. The main concerns to be eliminated in this case are the uncertainty of future revenue, anxiety about interest rate fluctuations and price fluctuations, resistance to unexpected risks, and the like. The reason (significance) for elimination is the presentation of numerical support under multiple conditions.

[0027] That is, by presentation (display and printing) explaining the simulation results, the results under optimistic, standard, and prudent conditions, and the degree of impact at the time of price drop or interest rate rise are quantitatively shown to investors, and judgment materials including the worst case are provided. As a result, intuitive anxiety can be replaced with numerical values, making it possible to construct an environment where investors can make judgments with their own consent. These make it possible to present explanations that can eliminate concerns about divided products, enable sales support without relying on the experience, know-how, etc. of sales staff, and improve the reliability and speed of investment judgment.

[0028] Furthermore, an information processing device according to a second aspect of the present invention is an information processing device capable of supporting sales activities for investment activities targeting subdivided products obtained by dividing a real estate property into a desired number of unit properties, and includes means capable of performing a concern-alleviating explanation presentation function that can present explanations that can alleviate concerns regarding the subdivided products, and the concern-alleviating explanation presentation function has a profit simulation result explanation presentation function that can present profit simulation results to investors as grounds that can alleviate the concerns. This second aspect may be implemented as an independent function, or it may be implemented as a function further superimposed on the first aspect.

[0029] In this case, the system has a function to present the results of the return simulation as evidence that can alleviate concerns, explaining the results to investors. The main concerns to be alleviated in this case are discrepancies between the expected return on investment and the actual return, and the reason (significance) for alleviating these concerns is the visualization of the actual return forecast before and after taxes. In other words, by presenting the results of the return simulation, the system can show investors the performance of asset management, offset concerns about low profitability with gross return, net return, and recovery rate on equity, and establish an image of "efficient asset building," thereby alleviating these kinds of concerns from investors.

[0030] Furthermore, from a hardware (HW) perspective, the execution of a "~function" within an information processing device is part of the HW configuration and can therefore be referred to as a "~device" or "~part." On the other hand, from an algorithmic perspective, the execution of that "~function" is generally part of a method or process within the overall algorithm controlled by software (SW: programs, etc.) and can therefore be referred to as a "~method" or "~process." For this reason, since it is carried out by HW, SW, or a combination of these, the expression (description) of "~function" will be primarily used below to integrate and collectively refer to these.

[0031] Furthermore, an information processing device according to a third aspect of the present invention is an information processing device capable of supporting sales activities for investment activities targeting subdivided products obtained by dividing a real estate property into a desired number of unit properties, and includes means capable of performing a concern-alleviating explanation presentation function that can present explanations that can alleviate concerns regarding the subdivided products, and the concern-alleviating explanation presentation function has a property acquisition condition simulation result explanation presentation function that can present the property acquisition condition simulation results explained to investors as grounds that can alleviate the concerns. This third aspect may be implemented as an independent function, or it may be implemented as a function further superimposed on the first or second aspect.

[0032] In this case, the system has a function to present the results of the property acquisition condition simulation to investors as evidence that can alleviate their concerns. The main concerns to be alleviated in this case are the burden of the initial investment and the appropriateness of using financing, and the reason (significance) for alleviating them is the specific presentation of detailed expenses and loan repayment conditions. In other words, by presenting the results of the property acquisition condition simulation, the system can show investors the financial structure at the start of the investment, and by offsetting anxieties about the leverage effect and concerns about a decrease in cash on hand through the down payment, loan interest rate, repayment period, and depreciation period, it can alleviate investors' concerns by establishing an image of a "manageable financial plan".

[0033] Furthermore, the information processing device according to the fourth aspect of the present invention is an information processing device capable of supporting sales activities for investment activities targeting subdivided products obtained by dividing a real estate property into a desired number of unit properties, and comprises means capable of performing a concern-alleviating explanation presentation function that can present an explanation that can alleviate concerns regarding the subdivided products, and the concern-alleviating explanation presentation function has a profit and loss balance explanation presentation function that can present the results of a profit and loss balance simulation to be explained to investors as a basis for alleviating the concerns. This fourth aspect may be implemented as an independent function, or it may be implemented as a function further superimposed on any of the first to third aspects.

[0034] In this case, the system has a function to present the results of the income and expenditure balance simulation to investors as evidence that can alleviate the aforementioned concerns. The main concerns to be alleviated in this case are the possibility of daily outflows (deficits), and the reason (significance) for alleviating them is the clear indication of the trend of net cash after deducting management fees and loan payments. In other words, by presenting the results of the income and expenditure balance simulation, the system can demonstrate to investors the soundness of the investment during the investment period, offset concerns about cash flow depletion with the positive monthly income and expenditure, accumulated assets at the time of full repayment, and savings efficiency, and establish the image of a "stable source of supplementary income," thereby alleviating investors' concerns.

[0035] Furthermore, the information processing device according to the fifth aspect of the present invention is an information processing device capable of supporting sales activities for investment activities targeting subdivided products obtained by dividing a real estate property into a desired number of unit properties, and includes means capable of performing a concern-alleviating explanation presentation function that can present an explanation that can alleviate concerns regarding the subdivided products, and the concern-alleviating explanation presentation function has an LTP-monthly income and expenditure correlation simulation result explanation presentation function that can present the results of a correlation simulation between LTP and monthly income and expenditure to investors as evidence that can alleviate the concerns. This fifth aspect may be implemented as an independent function, or it may be implemented as a function further superimposed on any of the first to fourth aspects.

[0036] In this case, the system has a function to explain and present the results of a correlation simulation between LTP and monthly income and expenses, which can be presented to investors as evidence that can alleviate the aforementioned concerns. It presents a screen in a matrix format showing how monthly cash flow (income and expenses) changes when the loan-to-purchase ratio (LTP) is changed in stages, and a diagram that visualizes the "margin" of income and expenses according to the proportion of equity.

[0037] The main concerns to be addressed in this case are anxieties about leverage, such as "how much of a loan is safe to take out" and "will increasing borrowing cause my cash on hand (cash flow) to go negative?" The reason (significance) that these concerns can be addressed is that by presenting a list of the relationship between the amount of self-funding invested and the income and expenses, investors can visually determine the optimal borrowing ratio that matches their risk tolerance. This allows them to clearly understand the monthly payment risks associated with using a loan and make investment decisions with confidence.

[0038] Furthermore, the information processing device according to the sixth aspect of the present invention is an information processing device capable of supporting sales activities for investment activities targeting subdivided products obtained by dividing a real estate property into a desired number of unit properties, and includes means capable of performing a concern-dispelling explanation presentation function that can present an explanation that can dispel concerns regarding the subdivided products, and the concern-dispelling explanation presentation function has an interest-monthly income correlation simulation result explanation presentation function that can present the results of an interest rate-monthly income correlation simulation to investors as grounds that can dispel the concerns. This sixth aspect may be implemented as an independent function, or it may be implemented as a function further superimposed on any of the first to fifth aspects.

[0039] In this case, the system has a function to explain the correlation simulation results between interest rates and monthly income / expenses, which can be presented to investors as evidence to alleviate their concerns. It displays a screen that simulates how much monthly income / expenses will be pressured if borrowing interest rates rise in the future, and a diagram that shows the "limit value" of interest rate increases with specific numerical values.

[0040] The main concern to be addressed in this case is the vague anxiety about variable interest rates, specifically the fear that "if interest rates rise in the future, the balance sheet will become negative (in deficit)." The reason (significance) that this can be addressed is that by "visualizing" the impact of rising interest rates on the balance sheet in advance, it becomes possible to calmly manage risk without panicking even if future interest rate fluctuations occur. This directly eliminates anxiety about the uncertainty of rising interest rates.

[0041] Furthermore, the information processing device according to the seventh aspect of the present invention is an information processing device capable of supporting sales activities for investment activities targeting subdivided products obtained by dividing a real estate property into a desired number of unit properties, and includes means capable of performing a concern-dispelling explanation presentation function that can present explanations that can dispel concerns regarding the subdivided products, and the concern-dispelling explanation presentation function has a rent / price increase simulation result explanation presentation function that can present rent / price increase simulation results based on actual data to be explained to investors as grounds that can dispel the concerns. This seventh aspect may be implemented as an independent function, or it may be implemented as a function further superimposed on any of the first to sixth aspects.

[0042] In this case, the system has a function to present rent and price increase simulation results based on historical data, which can be used to explain rent and price increase simulations to investors as justification to alleviate concerns. Based on historical rent and price trend data in the office market, it presents diagrams illustrating how future inflation and asset value increases will contribute to investment results (internal rate of return, etc.) and the basis for expectations.

[0043] The main concerns that need to be addressed in this case are anxieties about future market value, such as "Will real estate prices fall, resulting in losses when selling?" and "Will rents continue to decline unilaterally?" The reason (significance) that these concerns can be addressed is that by presenting an upward scenario based on past performance data, it is possible to support the intrinsic value of the property and the growth potential of the market. This demonstrates to investors the possibility of asset building based on evidence, rather than mere wishful thinking, and enhances the reliability of long-term investment.

[0044] Furthermore, an information processing device according to the eighth aspect of the present invention is an information processing device capable of supporting sales activities for investment activities targeting subdivided products obtained by dividing a real estate property into a desired number of unit properties, and comprises means capable of performing a concern-dispelling explanation presentation function that can present an explanation that can dispel concerns regarding the subdivided products, and the concern-dispelling explanation presentation function has a risk analysis explanation presentation function that can present the results of a risk analysis simulation to be explained to investors as grounds that can dispel the concerns. This eighth aspect may be implemented as an independent function, or it may be implemented as a function further superimposed on any of the first to seventh aspects.

[0045] In this case, the system has a risk analysis explanation function that allows it to present the results of the risk analysis simulation to investors as evidence that can alleviate their concerns. The main concerns to be alleviated in this case are losses at the time of sale (capital loss) and the lack of an exit strategy, and the reason (significance) for alleviating these concerns is the presentation of predictions for the break-even price and the amount remaining after sale. In other words, by presenting an explanation of the risk analysis simulation results, the system can demonstrate to investors the safety of their investment exit strategy, offset concerns about the risk of a decline in the real estate market by showing outstanding debt, profit / loss on sale and total return for each year, and establish the image of an "investment with a visible exit strategy," thereby alleviating investors' concerns.

[0046] Furthermore, an information processing device according to the ninth aspect of the present invention is an information processing device capable of supporting sales activities for investment activities targeting subdivided products obtained by dividing a real estate property into a desired number of unit properties, and comprises means capable of performing a concern-dispelling explanation presentation function that can present an explanation that can dispel concerns regarding the subdivided products, and the concern-dispelling explanation presentation function has a PL / CF result explanation presentation function that can present PL / CF simulation results to investors as evidence that can dispel the concerns. This ninth aspect may be implemented as an independent function, or it may be implemented as a function further superimposed on any of the first to eighth aspects.

[0047] In this case, the system has a function to present the P&L / CF simulation results as evidence that can alleviate concerns, explaining the results to investors. The main concerns to be alleviated in this case are long-term book losses and increased tax burdens, and the reason (significance) for alleviating them is the simultaneous presentation of year-on-year trends in operating profit and cash flow. In other words, by presenting an explanation of the P&L / CF simulation results, the system can demonstrate long-term financial stability to investors, offset concerns about the discrepancy between book losses and actual cash by showing the tax-saving effect of depreciation expenses, the impact on income tax and local taxes, and the trend of cumulative cash flow, thereby establishing an image of "strategic tax management" and alleviating investors' concerns.

[0048] Furthermore, the information processing device according to the tenth aspect of the present invention is an information processing device capable of supporting sales activities for investment activities targeting subdivided products obtained by dividing a real estate property into a desired number of unit properties, and includes means capable of performing a concern-alleviating explanation presentation function that can present an explanation that can alleviate concerns regarding the subdivided products, and the concern-alleviating explanation presentation function has a depreciation result explanation presentation function that can present the depreciation simulation results explained to investors as evidence that can alleviate the concerns. This tenth aspect may be implemented as an independent function, or it may be implemented as a function further superimposed on any of the first to ninth aspects.

[0049] In this case, the system has a function to present depreciation results, which can be used to explain depreciation simulation results to investors as evidence that can alleviate the aforementioned concerns. The main concerns to be alleviated in this case are long-term book losses and increased tax burdens, and the reason (significance) for alleviating them is the simultaneous presentation of year-on-year trends in operating profit and cash flow. In other words, by presenting an explanation of the P&L / CF simulation results, the system can demonstrate long-term financial stability to investors, offset concerns about the discrepancy between book losses and actual cash by showing the tax-saving effect of depreciation expenses, the impact on income tax and local taxes, and the trend of cumulative balances, thereby establishing an image of "strategic tax management" and alleviating investors' concerns.

[0050] Furthermore, an information processing system according to an eleventh aspect of the present invention is an information processing system capable of supporting sales activities for investment activities targeting subdivided products obtained by dividing a real estate property into a desired number of unit properties, comprising: a cloud main function having a cloud server and serving as the main body for providing cloud services; distributed sales branch functions for handling customer inquiries; and a network function for information communication between the cloud main function and the sales branch functions, and comprising means capable of implementing a concern-alleviating explanation presentation function that can present explanations capable of alleviating concerns regarding the subdivided products, and the concern-alleviating explanation presentation function It has an investor communication and explanation function that can present the results of at least one of the following simulations as an explanation to investors: revenue simulation, property acquisition condition simulation, income / expense balance / savings efficiency simulation, correlation simulation between LTP and monthly income / expense, correlation simulation between interest rates and monthly income / expense, rent / price increase simulation, risk analysis simulation, PL / CF (years 1-15) simulation, PL / CF (years 16-30) simulation, PL / CF (years 31-45) simulation, and depreciation simulation.

[0051] In this case, the information processing system as a whole is equipped with means to implement a concern-alleviating explanation function that can present explanations that can dispel concerns regarding the categorized products. This concern-alleviating explanation function has an investor-response explanation function that can present the results of at least one of the following simulations as an explanation to investors: revenue simulation, property acquisition condition simulation, income / expense balance / savings efficiency simulation, correlation simulation between LTP and monthly income / expense, correlation simulation between interest rates and monthly income / expense, rent / price increase simulation, risk analysis simulation, PL / CF (years 1-15) simulation, PL / CF (years 16-30) simulation, PL / CF (years 31-45) simulation, and depreciation simulation.

[0052] This allows the system to function as an information processing device capable of providing reassuring explanations while simultaneously building a cloud-based architecture, thereby alleviating investor concerns. As a result, sales support can be provided without relying on the experience and expertise of the person in charge, improving the reliability and speed of investment decisions.

[0053] Furthermore, the information processing method relating to the 12th aspect is an information processing method for an information processing device capable of supporting sales activities for targeting investment products obtained by dividing a real estate property into a desired number of unit properties, and comprises a step capable of implementing a concern-alleviating explanation presentation function capable of presenting explanations that can alleviate concerns regarding the said unit products, and the concern-alleviating explanation presentation function has an investor-response explanation presentation function capable of presenting the results of at least one of the following simulations as an explanation to investors: revenue simulation, property acquisition condition simulation, income and expenditure balance / savings efficiency simulation, correlation simulation between LTP and monthly income and expenditure, correlation simulation between interest rates and monthly income and expenditure, rent / price increase simulation, risk analysis simulation, PL / CF (years 1-15) simulation, PL / CF (years 16-30) simulation, PL / CF (years 31-45) simulation, and depreciation simulation.

[0054] Furthermore, the program relating to the 13th embodiment is an information processing system capable of supporting sales activities for investment activities targeting subdivided products obtained by dividing a real estate property into a desired number of unit properties, wherein the computer functions as a concern-alleviating explanation presentation unit capable of presenting explanations that can alleviate concerns regarding the subdivided products, and the concern-alleviating explanation presentation unit has an investor-response explanation presentation function capable of presenting the results of at least one of the following simulations as an explanation to investors: revenue simulation, property acquisition condition simulation, income and expenditure balance / savings efficiency simulation, correlation simulation between LTP and monthly income and expenditure, correlation simulation between interest rates and monthly income and expenditure, rent / price increase simulation, risk analysis simulation, PL / CF (years 1-15) simulation, PL / CF (years 16-30) simulation, PL / CF (years 31-45) simulation, and depreciation simulation.

[0055] Furthermore, the 14th embodiment can also be realized as a recording medium storing the program relating to the 13th embodiment.

[0056] Herein, the information processing method described above includes a step in the information processing device that enables the presentation of explanations that can alleviate concerns regarding the classification of goods, thereby enabling the presentation of explanations that can alleviate concerns. Furthermore, the program described above causes the computer to function as an information processing device equipped with means for performing the presentation of explanations that can alleviate concerns. Furthermore, the storage medium described above stores such a program. In other words, each of these is capable of performing the presentation of explanations that can alleviate concerns.

[0057] Furthermore, the function to present explanations to alleviate concerns in these cases includes the ability to present the results of at least one of the following simulations as an explanation to investors: revenue simulation, property acquisition condition simulation, income / expense balance / savings efficiency simulation, correlation simulation between LTP and monthly income / expense, correlation simulation between interest rates and monthly income / expense, rent / price increase simulation, risk analysis simulation, PL / CF (years 1-15) simulation, PL / CF (years 16-30) simulation, PL / CF (years 31-45) simulation, and depreciation simulation. This makes it possible to alleviate investors' concerns. As a result, sales support can be provided without relying on the experience and know-how of the person in charge, and the reliability and speed of investment decisions can be improved. [Effects of the Invention]

[0058] According to each aspect of the present invention, by providing explanations that can alleviate concerns regarding categorized products, sales support can be provided without relying on the experience and know-how of sales representatives, thereby improving the reliability and speed of investment decisions. [Brief explanation of the drawing]

[0059] [Figure 1] This is a configuration diagram showing an example of the overall operating model of a real estate system, which corresponds to an example of an information processing system according to one embodiment of the present invention. [Figure 2] This is a functional block diagram showing an example of the basic configuration of a management device that corresponds to an example of the whole or part of an information processing device according to one embodiment of the present invention. [Figure 3] This diagram shows an example of a branch office terminal included as part of the real estate system shown in Figure 1. [Figure 4] This is an explanatory diagram showing an example of a portfolio created by an information processing system according to one embodiment of the present invention. [Figure 5] Figure 4 is an explanatory diagram showing an example of the input screen for the property list used to create the portfolio. [Figure 6]Figure 4 is an explanatory diagram showing the screen for selecting the output method (file format) of the report resulting from the creation of the portfolio. [Figure 7] This is an explanatory diagram showing the screen for specifying the save location for the report that outputs the portfolio shown in Figure 4. [Figure 8] This is an explanatory diagram showing an example of an acquisition plan image, particularly an example of a cumulative acquisition plan image, among the acquisition plan images created by an information processing system according to one embodiment of the present invention. [Figure 9] This is an explanatory diagram showing an example of an acquisition plan similar to Figure 8, specifically illustrating the balance sheet image during cumulative acquisition. [Figure 10] This is an explanatory diagram showing an example of an acquisition plan image similar to Figure 8, specifically an example of an input screen for property details used to create a balance sheet image during cumulative acquisition. [Figure 11] Similar to Figure 10, this is an explanatory diagram showing an example of a financial information input screen for creating a B / S image when cumulative data is acquired. [Figure 12] Similar to Figures 10 and 11, this is an explanatory diagram showing an example of an input screen for selecting the years to display in the graph / BS trend, in order to create a B / S image when data is acquired cumulatively. [Figure 13] Similar to Figures 10-12, this is an explanatory diagram showing an example of an input screen for entering a title and subtitle to create a B / S image when cumulative data is acquired. [Figure 14] This is an explanatory diagram showing an example of a comparison of total rental income, particularly a comparison of cumulative rental income, which is created by an information processing system according to one embodiment of the present invention. [Figure 15] This is an explanatory diagram that shows an example of comparing total rental income, similar to Figure 14, but specifically an example of comparing assumed unrealized gains by acquisition speed. [Figure 16] This is an explanatory diagram that shows an example of comparing total rental income, similar to Figure 14, but specifically illustrating the example of total profit by acquisition speed. [Figure 17] This is an explanatory diagram showing an example of a rental vs. purchase cost comparison created by an information processing system according to one embodiment of the present invention, specifically an example of a cash purchase. [Figure 18]This is an explanatory diagram illustrating an example of a rental vs. purchase cost comparison, similar to Figure 17, but specifically focusing on the case of cash purchase. [Figure 19] This is an explanatory diagram showing an example of an input screen for rental building information, purchase building information, and loan interest rate information in a rental vs. purchase cost comparison created by an information processing system according to one embodiment of the present invention. [Figure 20] This is an explanatory diagram showing the calculation conditions and property acquisition conditions for an example of a fresh water rental simulation created by an information processing system according to one embodiment of the present invention. [Figure 21] Figure 21 is an explanatory diagram illustrating examples of property selection for sale during price increases and decreases, based on the example of a fresh rent simulation. [Figure 22] This is an explanatory diagram showing an example of a monetary and commodity value simulation created by an information processing system according to one embodiment of the present invention. [Figure 23] This is an explanatory diagram showing an example of property details created by an information processing system according to one embodiment of the present invention. [Figure 24] This is an explanatory diagram showing an example of a revenue simulation created by an information processing system relating to one embodiment of the present invention. [Figure 25] This is an explanatory diagram showing an example of a property acquisition condition simulation created by an information processing system according to one embodiment of the present invention. [Figure 26] This is an explanatory diagram showing an example of a balance sheet / savings efficiency simulation created by an information processing system relating to one embodiment of the present invention. [Figure 27] This is an explanatory diagram illustrating an example of a correlation simulation between LTP and monthly income and expenses, created by an information processing system relating to one embodiment of the present invention. [Figure 28] This is an explanatory diagram illustrating an example of a correlation simulation between interest rates and monthly income and expenses, generated by an information processing system relating to one embodiment of the present invention. [Figure 29] This is an explanatory diagram showing an example of a rent and price increase simulation based on actual data created by an information processing system according to one embodiment of the present invention. [Figure 30] This is an explanatory diagram showing an example of a risk analysis simulation created by an information processing system according to one embodiment of the present invention. [Figure 31] This is an explanatory diagram showing an example of a PL / CF (years 1-15) simulation created by an information processing system according to one embodiment of the present invention. [Figure 32] This is an explanatory diagram showing an example of a PL / CF (years 16-30) simulation created by an information processing system according to one embodiment of the present invention. [Figure 33] This is an explanatory diagram showing an example of a PL / CF (years 31-45) simulation created by an information processing system according to one embodiment of the present invention. [Figure 34] This is an explanatory diagram showing an example of a depreciation simulation created by an information processing system relating to one embodiment of the present invention. [Figure 35] Figure 1 shows the display screen of a tablet, which is a representative of the mobile terminal device carried by a sales representative. This is an explanatory diagram showing the display screen of a tablet, which is an example of the concern-resolving explanation presentation function of an information processing system according to one embodiment of the present invention, and shows the display of first-level options. [Modes for carrying out the invention]

[0060] The concept of the present invention is described more fully below with reference to the accompanying drawings illustrating specific embodiments of the concept of the present invention. However, the concept of the present invention can be embodied in many different forms and should not be construed as being limited to the embodiments described herein. Rather, these embodiments are provided as examples so that this disclosure is thorough and complete and fully conveys the scope of the concept of the present invention to those skilled in the art. Similar numbers refer to similar elements throughout the description.

[0061] The following sections will be explained in order: [1. Example System Configuration], [2. Key Points for Problem Solving], [3. Example System Operation A: "Grand Design"], [4. Example System Operation B: "Property Details"], [5. Example System Operation C: "Simulation"], [6. Supplementary Explanation], and [7. Summary].

[0062] [1. Example System Configuration] Figure 1 is a configuration diagram showing an example of the overall operation of a real estate system, which corresponds to an example of an information processing system according to one embodiment of the present invention.

[0063] This real estate system (information processing system) 1 aims to expand the distribution of fractional real estate investment products ("fractional investment products"), which divide a real estate property into a desired number of unit properties for investment purposes. To achieve this, it simulates the business performance of entities supplying fractional investment products, and, for example, provides property-specific business performance reports once the assumed figures are finalized. Furthermore, as important investment decision-making material for companies considering fractional investment products, it performs simulations based on the latest financial statements that take into account the trends in interest rates, rents, asset values, etc., at that time, and makes the results available as they become available.

[0064] As shown in the diagram, the real estate system 1 is configured by connecting the management device 20 and the branch office terminal 30 via a network (network function) 10. In addition, it connects to various devices 40 of registered investors and related institution terminals 100, etc., via the network 10 as needed, and the system configuration is configured using so-called cloud computing. The management device 20 is located within the cloud main function CL.

[0065] Next, Figure 2 is a functional block diagram showing an example of the basic configuration of a management device that corresponds to an example of the whole or part of an information processing device according to one embodiment of the present invention.

[0066] The reason we refer to the information processing device as "whole or part" here is that, in this embodiment, the management device 20 alone (standalone) constitutes the entire information processing device. However, from a different perspective, the functions can be distributed to the branch office terminals 30, etc., and the real estate system 1 can be equipped with an information processing device as a whole. This is also implemented (overlappingly) in this embodiment, so from that perspective, it becomes part of the information processing device.

[0067] As shown in the figure, the management device (information processing device or part thereof) 20 includes a server 21, a database 22, an input device 23, an output device 24, and a communication interface 25. The server 21 processes data related to the management of commodity investments using a processor, etc., and the database 22 stores data such as management and commodity investment information.

[0068] The input device 23 is configured with a keyboard, barcode reader, scanner, etc., and inputs information as needed, and includes all devices that enable information input. The output device 24 is configured with a display, printer, etc., and outputs various types of information as needed, and includes all devices that enable information output. The management device 20 may be a single system or composed of multiple systems, as long as it can ultimately perform investment management tasks as an information processing device.

[0069] Here, for example, the management device 20 functionally possesses an "information processing function," but from a hardware perspective, the execution of that function is carried out by a part of the hardware configuration within the management device 20, which can be referred to as an "information processing device" or "information processing unit." On the other hand, from an algorithmic perspective, the execution of that function is generally carried out by a part of a so-called method or process within an overall algorithm controlled by a program, which can be referred to as an "information processing method" or "information processing process." For this reason, below, we will primarily use the expression (description) of "~function" to integrate these concepts.

[0070] Next, Figure 3 is a configuration diagram showing an example of a branch office terminal included as part of the real estate system in Figure 1.

[0071] As shown in the figure, the branch office terminal 30 includes a processor 31, memory 32, input device 33, output device 34, and communication interface 35.

[0072] The processor 31 processes information sent from, for example, the management device 20, and displays the information on, for example, the output device 34. The input device 33 is configured with a keyboard, barcode reader, scanner, etc., and inputs information as needed, and includes all devices that enable information input. The output device 34 is configured with a display, printer, etc., and outputs various types of information as needed, and includes all devices that enable information output.

[0073] The input device 33 processes input from a keyboard or the like as needed, displays the information on the output device 34, for example, and transmits the input information to the management device 20 via the communication interface 35 as needed. The management device 20 processes the investment in the commodity category according to the transmitted information, and if further information is required, additional information is entered from the branch terminal 30.

[0074] Furthermore, if any system other than the management device 20 and the branch terminal 30 has a processor, memory, etc. (not shown), it shall perform various information processing as necessary, in the same manner as the management device 20 and the branch terminal 30.

[0075] [2. Key points for solving the problem] As mentioned at the beginning of this paper, the final deciding factor for investors to invest, the deciding factor for taking that final step, is how to alleviate the diverse concerns (objects to be addressed) of individual investors. In this invention, in order to solve this problem, we have made it possible to provide explanations that can alleviate concerns regarding categorized products. This will enable sales support without relying on the experience and know-how of sales representatives, and is expected to improve the reliability and speed of investment decisions. Below, we will sequentially explain the configuration that enables the provision of explanations that can alleviate concerns, and how it is used in practice.

[0076] [3. System Operation Example A: 'Grand Design'] As shown in Figures 1 to 3, the system is ready both hardware-wise and algorithmically (software-wise) in the configuration described above. Therefore, the remaining challenge depends on how the system is operated to provide explanations that can alleviate concerns regarding the classification of products.

[0077] Therefore, in this invention, we have constructed the system disclosed herein so that we can present to investors an explanation based on the results of our investigation into methods to eliminate potential concerns. This system classifies the factors of concern into predetermined hierarchical categories, extracts the concerns that may arise in each category through a repeated process of estimation, assumption, prototype operation, and evaluation.

[0078] Since this section is intended to provide an explanation, it includes not only displays but also printouts and other methods of explanation such as database creation using specific codes. However, since displaying information on a screen is the most common and easiest method of explanation in practice, the following explanation will use examples of displays.

[0079] Furthermore, although it was deliberately omitted in the explanation of Figure 1, devices equipped with display screens are not limited to personal computers or servers located within the management device 20, branch terminals 30, or related organization terminals 100.

[0080] Rather, it is highly likely that mobile devices such as notebook PCs, tablets, and smartphones, which are carried by sales representatives who frequently visit investors, are preferable. Therefore, Figure 1 shows a sales representative M who sells investments, and a tablet T as a representative of the mobile devices he carries with him. The "AI" shown within the management device 20 in the figure suggests "Generative AI," which can be effectively used to consider the elements of concern discussed above and below, as well as methods for alleviating them and adding, changing, or updating the methods of explanation.

[0081] Next, with reference to Figures 4 to 22, the detailed operation and information processing of each means (simulation) of the information processing system (grand design system) according to the embodiment of the present invention will be described. The data required for each simulation is mainly obtained from inputs from the branch terminal 30 or various investor devices 40 and from the database 22 held by the management device 20.

[0082] (1) Creating a portfolio Figure 4 is an explanatory diagram showing an example of a portfolio created by an information processing system according to one embodiment of the present invention. This portfolio shows a list of properties acquired and their breakdown when an investor diversifies their investments across multiple asset classes, with the aim of avoiding risk bias due to dependence on specific properties. Figure 5 is an example of the input screen for the property list used to create the portfolio shown in Figure 4, Figure 6 is an explanatory diagram showing the screen for selecting the output method (file format) of the resulting report, and Figure 7 is an explanatory diagram showing the screen for specifying the save location of the output report.

[0083] Portfolio creation is performed through the "Property List" input screen shown in the diagram. Information such as the name, location, acquisition price, acquisition date, and NOI of the properties to be acquired is entered from the branch terminal 30 or various investor devices 40. Some of this property information is obtained by referencing the database 22 of the management device 20 (for example, past sales performance data and property master data), and is selected and entered by the sales representative or investor. Once all required items are entered, the system aggregates and displays the total price of the acquired properties, the total yield, and the diversification status by region and type, allowing investors to confirm that the risk of over-concentration in their asset allocation is eliminated.

[0084] (2) Creating an acquisition plan image & (3) Creation of B / S image when cumulative acquisition Among the examples of acquisition plan images created by the information processing system according to one embodiment of the present invention, Figure 8 is an example of a cumulative acquisition plan image, Figure 9 is an example of a balance sheet image at the time of cumulative acquisition, Figure 10 is an example of an input screen for property details to create a balance sheet image at the time of cumulative acquisition, and Figure 11 is an explanatory diagram showing an example of an input screen for financial information to create a balance sheet image at the time of cumulative acquisition. Similar to Figures 10 and 22, Figure 12 is an explanatory diagram showing an example of an input screen for graphs / financial information, and Figure 13 is an explanatory diagram showing an example of an input screen for entering titles and subtitles.

[0085] To create the acquisition plan image, input items include, for example, the cumulative start year, the acquisition price of the property, the annual cumulative target amount, the price increase rate, and the yield (NOI). These input data are set by referring to the property information finalized in the portfolio (Figure 4) and the market price trend forecast data held by the management device 20. Based on these conditions, the system calculates the trend of the cumulative acquisition price over the acquisition plan period (e.g., 20 years) and the corresponding annual and cumulative rental income. This alleviates investors' concerns about the future cash flow of the plan. The calculation results are carried over to the next simulation as graphs (not shown) of the cumulative acquisition price and cumulative rental income.

[0086] The cumulative acquisition B / S image is created as an example of how the balance sheet (B / S) will be presented, depending on the method used to create it. This simulates the annual impact of the acquisition of categorized products on the overall financial structure of the company.

[0087] To create a balance sheet (B / S) image, input items include, for example, the initial cash balance, the annual amount allocated to current assets, the depreciation method for acquired properties, and the repayment terms of loans. In particular, the "amount allocated to current assets" is an important input item for covering the amount of equity required for the acquisition plan (Figure 8), and the trend of the allocation amount is reflected in the "current assets" item of the B / S as a simulation result. The system calculates total assets, liabilities, and net assets for each year, recording the acquired property as a fixed asset and including depreciation expenses as expenses. This allows investors to confirm that concerns that real estate acquisition will impair financial soundness are dispelled.

[0088] (4) Preparation of comparison results for total rental income Figure 14 is an example of a comparison of total rental income created by an information processing system according to one embodiment of the present invention, specifically an example of a comparison of cumulative rental income, Figure 15 is an example of a comparison of assumed unrealized gains by acquisition speed, and Figure 16 is an explanatory diagram showing an example of total profit by acquisition speed. These are examples of displaying the comparison results of total rental income created by the "means for creating a comparison of total rental income," and compare rental income and costs in the case of "purchase" and "lease."

[0089] The comparison of total rental income can be performed using input items such as the property acquisition price, annual rent during tenancy, annual rental income (NOI) at the time of purchase, and the period of the transaction. The system quantitatively demonstrates that a stable source of revenue can be secured through purchase by comparing the rental income at the time of purchase with the rent (expenses) during tenancy. This eliminates doubts for investors regarding the profitability of other investment methods or continued tenancy.

[0090] (5) Creation of cost comparison results Figure 17 is an explanatory diagram showing an example of a rental vs. purchase cost comparison created by an information processing system according to one embodiment of the present invention, particularly in the case of cash purchase, and Figure 18 is an explanatory diagram showing an example of a case of borrowing, and Figure 19 is an explanatory diagram showing an example of an input screen for rental building information, purchase building information, and borrowing interest rate information in the rental vs. purchase cost comparison. These are examples of display of cost comparisons created by the "means for creating cost comparisons," and analyze the economic rationality of the costs associated with purchase from multiple perspectives.

[0091] To create a cost comparison, the input items include initial and running costs such as brokerage fees, renewal fees, and security deposits for "renting," and initial and running costs such as real estate acquisition tax, property tax, and repair reserve fund for "buying." By comparing these costs, the system demonstrates that buying is more economically rational than renting, especially from a long-term perspective, and alleviates concerns about running costs.

[0092] (6) Creation of net rent simulation results In the case of an example of a net rent simulation created by an information processing system according to one embodiment of the present invention, Figure 20 shows examples of calculation conditions and property acquisition conditions, and Figure 21 is an explanatory diagram showing examples of property selection for sale during price increases and decreases. These are examples of displaying rent simulation results created by the "means for creating net rent simulation results," and aim to predict net actual profits that incorporate rent fluctuations and vacancy risks.

[0093] To create a net rental simulation result, input items include, for example, the annual price increase and decrease rate (which can be set to 0 or greater, or 0 or less), the assumed property price, NOI yield, and vacancy rate. The system takes these fluctuating factors into account and calculates the assumed selling price, the repayment amount at the time of sale, and the cash flow (CF) in the property sale simulation. This realistic risk-inclusive earnings forecast alleviates investors' doubts about the less optimistic real yield.

[0094] (7) Creation of monetary and commodity value simulation results Figure 22 is an explanatory diagram showing an example of a money and goods value simulation created by an information processing system according to one embodiment of the present invention. This is an example of displaying the simulation results created by the "means for creating money and goods value simulation results," and compares the depreciation of money value and the increase in the value of real assets (goods) under an inflationary environment.

[0095] To create a monetary and asset value simulation, input items include, for example, cash and deposits (liquid asset allocation), yield (NOI), compound interest, and the rate of increase in monetary and asset values ​​based on an assumed inflation rate. Based on these conditions, the system quantitatively compares the future decline in the real value of cash and deposits (money) with the asset preservation effect of rising real estate (asset) prices. The results of this simulation are displayed graphically, visually demonstrating that the value of assets (real estate) will exceed the value of money over time, making it an effective inflation hedge. This alleviates investors' concerns about long-term asset preservation due to inflation.

[0096] As described above, the real estate system (information processing system) 1 of this embodiment comprises, as a whole, an information processing device according to the one aspect described above. The management device (all or part of the information processing device) 20, which is all or part of this system, generates seven visible pieces of information, which can be called indicators for investors, using various generating methods. These seven pieces of information (indicators) complement each other in order to "logically and quantitatively dispel the wide range of concerns of investors" regarding individual property units. This makes it possible to present explanations that can dispel concerns regarding individual property units, enable sales support without relying on the experience and know-how of sales representatives, and improve the reliability and speed of investment decisions.

[0097] Here, the means of creating a portfolio is, needless to say, to create a portfolio. The main concerns to be addressed are concentrated investment risk and anxiety about the balance of asset allocation, and the reason (significance) that these can be addressed is the visualization of risk diversification. In other words, by presenting (displaying / printing) an explanation of the portfolio, investors are presented with combinations of multiple properties and acquisition timings, offsetting the risks of individual properties and establishing an image of stable asset management (such as managing multiple lots of subdivided products), thereby alleviating these kinds of concerns of investors.

[0098] The means of creating the next acquisition plan image is, quite literally, to create an acquisition plan image. The main concerns that need to be addressed are anxieties about future cash flow and doubts about the feasibility of the plan, and the reason (significance) that these can be addressed is the concretization of the roadmap. In other words, by presenting (displaying / printing) an explanation of the acquisition plan image, it becomes possible to alleviate these kinds of concerns from investors by clearly showing investors, in chronological order, when, which properties, and with how much of their own funds or borrowings will be acquired, and by presenting a realistic financial plan and a roadmap for asset formation based on it.

[0099] The method for creating a B / S image at the time of cumulative acquisition involves creating a B / S image at the time of cumulative acquisition. The main concern to be alleviated is the impact on financial health, particularly the fear of deterioration in debt and equity ratios, and the reason (significance) for alleviating this is the evaluation as a financial strategy. In other words, by quantitatively demonstrating the impact of real estate acquisition on the company's overall balance sheet and proving the financial benefits such as asset growth, appropriate leverage, and tax savings through depreciation, it becomes possible to alleviate these kinds of concerns from investors.

[0100] The following method for creating a comparison of total rental income will generate a comparison of total rental income. The main concerns to be addressed are the profitability differences between individual units and doubts about profitability compared to other products. The reason (significance) for addressing these concerns is the relative evaluation of profitability. By comparing individual units with entire building purchases or other rental businesses, and demonstrating that competitive net operating income (NOI) can still be secured even after merging, these kinds of investor concerns can be alleviated.

[0101] The following method for creating cost comparison results will generate cost comparison results. The main concerns to be addressed are the superiority or inferiority of the total cost of renting versus buying, and anxieties about unseen running costs. The reason (significance) for addressing these concerns is to emphasize long-term economic rationality. By comparing the cost of continuing to rent office space with the total long-term cost of purchasing (or fractional ownership) and generating rental income, and demonstrating that purchasing is superior in long-term asset building, it is possible to alleviate these kinds of concerns from investors.

[0102] The following method for generating net rental income simulation results will generate net rental income simulation results. The main concerns to be alleviated are the risk of fluctuations in rental income and anxieties about the decline in real yield due to vacancies and inflation, and the reason (significance) for alleviating these concerns is a realistic profitability forecast. By simulating "net" rental income that takes into account future rental fluctuations, vacancy rates, inflation rates, etc., and providing a more certain profit forecast that is not optimistic, and by increasing confidence in expected returns, it becomes possible to alleviate these kinds of concerns of investors.

[0103] The following method for creating the monetary and material value simulation results will generate the monetary and material value simulation results. The main concerns to be alleviated are the erosion of monetary value due to inflation and anxieties about long-term asset preservation, and the reason (significance) for alleviating these concerns is the visualization of the inflation hedging effect of real estate. By comparing the value of cash and financial assets with the value of real estate (material value), which is a tangible asset, taking inflation rates into account, and demonstrating that real estate investment is extremely effective as long-term asset preservation, especially as an inflation hedge, it becomes possible to alleviate these kinds of concerns of investors.

[0104] Furthermore, from a different perspective, these things have the following implications.

[0105] First, the management device (all or part of the information processing device) 20 of this embodiment includes a concern-alleviating explanation presentation function that can present explanations that can alleviate concerns regarding the categorized products, and the concern-alleviating explanation presentation function has a portfolio explanation presentation function that can present a portfolio to investors as evidence that can alleviate concerns.

[0106] The main concerns to be addressed in this case are concentrated investment risk and anxieties about the balance of asset allocation, and the reason (significance) for addressing these concerns is the visualization of risk diversification. In other words, by presenting (displaying / printing) an explanation of the portfolio, investors are presented with combinations of multiple properties and acquisition timings, offsetting the risks of individual properties and establishing an image of stable asset management (such as managing multiple lots of subdivided products), thereby alleviating these kinds of concerns from investors. As a result, sales support can be provided without relying on the experience and know-how of the person in charge, and the reliability and speed of investment decisions can be improved.

[0107] Furthermore, the aforementioned function for presenting explanations to alleviate concerns includes a function for presenting an acquisition plan image as evidence that can alleviate concerns, by explaining the acquisition plan image to investors. The main concerns to be alleviated in this case are anxieties about future cash flow and doubts about the feasibility of the plan, and the reason (significance) for alleviating them is the concretization of the roadmap. In other words, by presenting (displaying / printing) an explanation of the acquisition plan image, it becomes possible to alleviate these kinds of concerns of investors by clearly showing investors, in chronological order, when, which properties, and with how much of their own funds or borrowings will be acquired, and by presenting a realistic financial plan and a roadmap for asset formation based on it. As a result, sales support can be provided without relying on the experience and know-how of the person in charge, and the reliability and speed of investment decisions can be improved.

[0108] Furthermore, the above-mentioned function for presenting explanations to alleviate concerns includes a function for presenting a cumulative acquisition balance sheet image as evidence that can alleviate concerns, explaining the cumulative acquisition balance sheet image to investors. In this case, the main concerns to be alleviated are those related to the impact on financial soundness, particularly concerns about the deterioration of debt and equity ratios, and the reason (significance) for alleviating them is the evaluation as a financial strategy. In other words, by quantitatively demonstrating the impact of real estate acquisition on the company's overall balance sheet and proving the financial benefits such as asset growth, appropriate leverage, and tax savings through depreciation, it becomes possible to alleviate these kinds of concerns from investors. As a result, sales support can be provided without relying on the experience and know-how of the person in charge, and the reliability and speed of investment decisions can be improved.

[0109] Furthermore, the above-mentioned function for presenting explanations to alleviate concerns includes a function for presenting explanations of total rental income comparison results, which can be presented to investors as evidence that can alleviate their concerns. In this case, the main concerns to be alleviated are the superiority or inferiority of profitability among individual units and doubts about profitability when compared with other products, and the reason (significance) for alleviating them is the relative evaluation of profitability. By comparing individual units with purchasing entire buildings or other rental businesses, and demonstrating that competitive net operating income (NOI) can still be secured even after individual unitization, it becomes possible to alleviate these kinds of concerns from investors. As a result, sales support can be provided without relying on the experience and know-how of the person in charge, and the reliability and speed of investment decisions can be improved.

[0110] Furthermore, the above-mentioned function for presenting explanations to alleviate concerns includes a function for presenting cost comparison results as evidence that can alleviate those concerns. The main concerns to be alleviated in this case are the superiority or inferiority of the total costs of leasing versus purchasing, and anxieties about unseen running costs. The reason (significance) for alleviating these concerns is the emphasis on long-term economic rationality. By comparing the cost of continuing to lease office space with the total long-term costs of purchasing (or fractional ownership) and earning rental income, and demonstrating that purchasing is superior in long-term asset formation, it becomes possible to alleviate these kinds of concerns of investors. As a result, sales support can be provided without relying on the experience and know-how of the person in charge, and the reliability and speed of investment decisions can be improved.

[0111] Furthermore, the above-mentioned function for presenting explanations to alleviate concerns includes a function for presenting explanations of net rent simulation results, which can be used to explain net rent simulation results to investors as evidence that can alleviate their concerns. In this case, the main concerns to be alleviated are the risk of fluctuations in rental income and anxieties about the decline in real yield due to vacancies and inflation, and the reason (significance) for alleviating them is a realistic profitability forecast. By simulating "net" rental income that takes into account future rent fluctuations, vacancy rates, inflation rates, etc., and providing a more reliable profit forecast that is not optimistic, it becomes possible to alleviate this type of concern of investors by increasing the reliability of expected returns. As a result, sales support can be provided without relying on the experience and know-how of the person in charge, and the reliability and speed of investment decisions can be improved.

[0112] Furthermore, the above-mentioned function for presenting explanations to alleviate concerns includes a function for presenting explanations of monetary and material value simulation results as evidence that can alleviate concerns. In this case, the main concerns to be alleviated are the erosion of monetary value due to inflation and anxiety about long-term asset preservation, and the reason (significance) for alleviating them is the visualization of the inflation hedging effect of real estate. By comparing the value of cash and financial assets with the value of real estate (material value), which is a real asset, taking the inflation rate into consideration, and demonstrating that real estate investment is extremely effective as long-term asset preservation, especially as an inflation hedge, it becomes possible to alleviate this type of concern of investors. As a result, sales support can be provided without relying on the experience and know-how of the person in charge, and the reliability and speed of investment decisions can be improved.

[0113] [4. System Operation Example B: "Property Details"] In addition to the seven indicators mentioned above, other effective targets for the "concern-alleviating explanation function" described earlier include, for example, "property details" and "simulations." These will be explained in detail below.

[0114] Figure 23 is an explanatory diagram showing an example of property details created by an information processing system according to one embodiment of the present invention. As shown in the figure, the property name is located in the upper left half, the property price is located next to it in the upper right half, and below the property name, on the left side, from top to bottom, are the property overview (common information for the entire building), information on the unit being sold, the strengths of the selling company, and other informational items, and below the property price, on the right side, from top to bottom, are the lease conditions with the tenant and the income and expenses. However, what is important here is that all the necessary information is displayed on the same page.

[0115] In other words, the management device (all or part of the information processing device) 20 of this embodiment can display the property name, property price, property overview which is common information for the entire building, information on the sales section, the strengths of the selling company, tenant information regarding the tenants currently occupying the property, income and expenditure information regarding profits and expenses during operation, and other informational items that present property-specific points to note, all on the same page, using the property details display function.

[0116] Therefore, investors can grasp information that they would normally need to understand by cross-referencing multiple documents, all in a comprehensive and interconnected manner on a single screen. This allows for the presentation of explanations that alleviate concerns regarding categorized products, enables sales support without relying on the experience and know-how of sales representatives, and improves the reliability and speed of investment decisions.

[0117] In this case, the property name explanation function allows for presenting the property name to investors as evidence that can alleviate their concerns. The main concerns to be alleviated in this case are the lack of recognition of the property and the uncertainty of its asset value, and the reason (significance) for alleviating these concerns is the assurance of reliability through the presentation of a branded property name. In other words, by presenting (displaying / printing) an explanation of the property name, the property's identification and status are presented to investors, and concerns about location and management quality are offset by the advantages of the area, the grade of the property, and the track record of the series, thereby establishing an image of a "tangible asset that is less likely to depreciate in value," and thus alleviating these kinds of concerns from investors. As a result, sales support becomes possible without relying on the experience and know-how of the person in charge, and the reliability and speed of investment decisions can be improved.

[0118] Furthermore, it has a property price explanation function that can present the property price explained to investors as a basis that can alleviate their concerns. The main concerns to be alleviated in this case are the lack of clarity regarding the appropriateness and basis of the price, and the reason (significance) that it can be alleviated is the improved transparency through the clear explanation of the breakdown of land and buildings and consumption tax. In other words, by presenting an explanation of the property price, it is possible to present investors with fair transaction conditions, offset the risk of "buying at a high price" by providing a price breakdown, a comparison with surrounding market prices, and the basis for tax treatment, and to establish an image of a "fair investment cost," thereby alleviating investors' concerns.

[0119] Furthermore, the system has a function to present property details to investors, providing evidence that can alleviate their concerns. The main concerns to be alleviated in this case are the aging of the building and insufficient specifications, and the reason (significance) for alleviating these concerns is the presentation of objective facts such as structure, age of construction, and compliance with the new seismic standards. In other words, by presenting the property details, the system can demonstrate the physical robustness of the asset to investors, offsetting concerns about future repair risks and obsolescence through seismic resistance, management system, and equipment specifications, and establishing the image of a "high-quality asset suitable for long-term holding," thereby alleviating investors' concerns.

[0120] Furthermore, it has a function to present information about the units being sold to investors, providing evidence that can alleviate their concerns. The main concerns to be alleviated in this case are the low profitability and poor utilization efficiency of the target units, and the reason (significance) for alleviating these concerns is the clear indication of specific profit conditions according to the exclusive area and floor level. In other words, by presenting information about the units, the system can provide investors with concrete details of the investment target, offset doubts about investment efficiency with area, rent per unit, and floor characteristics, and establish the image of an "investment unit that generates reliable cash flow," thereby alleviating investors' concerns.

[0121] Furthermore, it has a function to explain the strengths of the selling company to investors, presenting them as evidence that can alleviate their concerns. In this case, the main concerns to be alleviated are the lack of after-sales support and exit strategies, and the reason (significance) for alleviating them is the presentation of unique value-enhancing methods and management systems. In other words, by explaining the strengths of the selling company, it is possible to provide investors with a sense of security as an investment partner, offset concerns about management hassle and handling vacancies with a track record, optimized maintenance costs, and leasing capabilities, and establish an image of "safe investment entrusted to professionals," thereby alleviating investors' concerns.

[0122] Furthermore, it has a tenant information explanation function that can present tenant information to investors as evidence that can alleviate their concerns. In this case, the main concerns to be alleviated are the attributes of the tenants and their ability to pay rent, and the reason (significance) for alleviating them is the disclosure of contract type and tenant business type information. In other words, by explaining and presenting tenant information, it is possible to demonstrate to investors the stability of the revenue source, offset the risks of rent arrears and early departures through master lease agreements, the presence of well-known companies, and long-term contracts, and establish an image of "stable income gain," thereby alleviating investors' concerns.

[0123] Furthermore, it has a function to present financial information explanations to investors, providing evidence that can alleviate their concerns. In this case, the main concerns to be alleviated are hidden expenses other than the gross yield, and the reason (significance) for alleviating them is the presentation of precise forecasts of NOI (net income) and property taxes. In other words, by presenting financial information explanations, the actual profitability of the investment can be shown to investors, and concerns about the remaining amount (cash flow) can be offset by comparing tax costs, maintenance costs, and gross / net yield, thereby establishing an image of a "highly transparent business plan" and alleviating investors' concerns.

[0124] Furthermore, it has a function to present explanatory information to investors, which can serve as a basis for alleviating their concerns. The main concerns to be alleviated in this case are unexpected future expenses (such as major repairs), and the reason (significance) for alleviating them is the prior disclosure of the repair reserve fund revision plan and points to note. In other words, by presenting explanatory information, it is possible to show investors how to prepare for future risks, and by clearly stating the repair plan, the planned establishment of the management association, and risk disclaimers, it is possible to offset anxieties about the need for additional capital investment and establish the image of a "risk-controlled investment," thereby alleviating investors' concerns.

[0125] [5. System Operation Example C: 'Simulation'] Figure 24 is an explanatory diagram showing an example of a revenue simulation created by an information processing system according to one embodiment of the present invention. Specifically, the real estate system (information processing system) 1 of the embodiment comprises, as a whole, an information processing device according to the above-described embodiment, and the management device (all or part of the information processing device) 20, which is all or part thereof, has a revenue simulation result explanation and presentation function that can present the revenue simulation results to investors as evidence that can alleviate their concerns.

[0126] In this case, the system has a function to present the results of the return simulation to investors as evidence that can alleviate their concerns. The main concerns to be alleviated in this case are discrepancies between the expected return on investment and the actual return, and the reason (significance) for alleviating these concerns is the visualization of the actual return forecast before and after taxes. In this case, by presenting the return simulation results, the system can show investors the performance of asset management, offsetting concerns about low profitability with gross return, net return, and recovery rate on equity, and establishing an image of "efficient asset building," thereby alleviating these kinds of concerns from investors.

[0127] Next, Figure 25 is an explanatory diagram showing an example of a property acquisition condition simulation created by an information processing system according to one embodiment of the present invention. That is, the management device (all or part of the information processing device) 20 of the real estate system (information processing system) 1 of the embodiment has a property acquisition condition explanation presentation function that can present the property acquisition condition simulation results to investors as evidence that can alleviate their concerns.

[0128] The main concerns that need to be addressed in this case are the burden of the initial investment and the appropriateness of using financing. The reason (significance) for addressing these concerns is the concrete presentation of detailed expenses and loan repayment terms. In other words, by presenting an explanation of the property acquisition condition simulation results, the financial structure at the start of the investment is shown to the investor. By offsetting anxieties about the leverage effect and concerns about a decrease in cash on hand through the down payment, loan interest rate, repayment period, and depreciation period, it becomes possible to establish an image of a "manageable financial plan" and thus alleviate the investor's concerns.

[0129] Next, Figure 26 is an explanatory diagram showing an example of a balance sheet / savings efficiency simulation created by an information processing system according to one embodiment of the present invention. That is, the management device (all or part of the information processing device) 20 of the embodiment has a balance sheet explanation presentation function that can present the balance sheet simulation results to investors as evidence that can alleviate their concerns.

[0130] The main concerns to be addressed in this case are the possibility of daily outflows (deficits), and the reason (significance) for addressing these concerns is the clear indication of the trend of net cash after deducting management fees and loan payments. In other words, by presenting an explanation of the income and expenditure balance simulation results, the soundness during the investment period can be demonstrated to investors, and concerns about cash flow depletion can be offset by the positive monthly income and expenditure, the accumulated assets at the time of full repayment, and the savings efficiency, thereby establishing the image of a "stable source of supplementary income" and alleviating investors' concerns.

[0131] Next, Figure 27 is an explanatory diagram showing an example of a correlation simulation between LTP and monthly income and expenses created by an information processing system according to one embodiment of the present invention. Specifically, the management device (all or part of the information processing device) 20 of the embodiment has an LTP-monthly income and expenses correlation simulation result explanation and presentation function that can present the results of the LTP-monthly income and expenses correlation simulation to investors as evidence that can alleviate their concerns. It presents a screen that shows in matrix format how the monthly cash flow (income and expenses) changes when the loan-to-purchase ratio (LTP) is changed in stages, and a diagram that visualizes the "margin" of income and expenses according to the proportion of equity.

[0132] The main concerns to be addressed in this case are anxieties about leverage, such as "how much of a loan is safe to take out" and "will increasing borrowing cause my cash on hand (cash flow) to go negative?" The reason (significance) that these concerns can be addressed is that by presenting a list of the relationship between the amount of self-funding invested and the income and expenses, investors can visually determine the optimal borrowing ratio that matches their risk tolerance. This allows them to clearly understand the monthly payment risks associated with using a loan and make investment decisions with confidence.

[0133] Next, Figure 28 is an explanatory diagram showing an example of a correlation simulation between interest rates and monthly income and expenses created by an information processing system according to one embodiment of the present invention. Specifically, the management device (all or part of the information processing device) 20 of the embodiment has an interest rate-monthly income and expenses correlation simulation result explanation and presentation function that can present the simulation results to investors as evidence that can alleviate their concerns. It presents a screen that simulates how much monthly income and expenses will be pressured if borrowing interest rates rise in the future, and a diagram that shows the "limit value" of interest rate increases with specific numerical values.

[0134] The main concern to be addressed in this case is the vague anxiety about variable interest rates, specifically the fear that "if interest rates rise in the future, the balance sheet will become negative (in deficit)." The reason (significance) that this can be addressed is that by "visualizing" the impact of rising interest rates on the balance sheet in advance, it becomes possible to calmly manage risk without panicking even if future interest rate fluctuations occur. This directly eliminates anxiety about the uncertainty of rising interest rates.

[0135] Next, Figure 29 is an explanatory diagram showing an example of a rent and price increase simulation based on actual data created by an information processing system according to one embodiment of the present invention. Specifically, the management device (all or part of the information processing device) 20 of the embodiment has a function for presenting rent and price increase simulation results that can be explained to investors as evidence that can alleviate concerns. Based on historical rent and price trend data in the office market, it presents diagrams showing how future inflation and asset value increases will contribute to investment results (internal rate of return, etc.) and the basis for the expected values.

[0136] The main concerns that need to be addressed in this case are anxieties about future market value, such as "Will real estate prices fall, resulting in losses when selling?" and "Will rents continue to decline unilaterally?" The reason (significance) that these concerns can be addressed is that by presenting an upward scenario based on past performance data, it is possible to support the intrinsic value of the property and the growth potential of the market. This demonstrates to investors the possibility of asset building based on evidence, rather than mere wishful thinking, and enhances the reliability of long-term investment.

[0137] Next, Figure 30 is an explanatory diagram showing an example of a risk analysis simulation created by an information processing system according to one embodiment of the present invention. Specifically, the management device (all or part of the information processing device) 20 of the embodiment has a risk analysis explanation presentation function that can present the risk analysis simulation results to investors as evidence that can alleviate their concerns.

[0138] The main concerns that need to be addressed in this case are losses at the time of sale (capital loss) and the lack of an exit strategy. The reason (significance) for addressing these concerns is the presentation of a break-even price and a forecast of the net proceeds at the time of sale. In other words, by presenting an explanation of the risk analysis simulation results, investors can be shown the safety of the exit strategy, and by offsetting concerns about the risk of a decline in the real estate market with the remaining debt, profit / loss at the time of sale, and total return for each year, it becomes possible to establish the image of an "investment with a visible exit strategy" and thus alleviate investors' concerns.

[0139] Next, Figure 31 is an explanatory diagram showing an example of a PL / CF (years 1-15) simulation created by an information processing system according to one embodiment of the present invention, Figure 32 is an example of a PL / CF (years 16-30) simulation, and Figure 33 is an explanatory diagram showing an example of a PL / CF (years 31-45) simulation. The diagrams show screens that display the trends in profit and loss (PL) and cash flow (CF) over a long period (years 1-45) from the acquisition of the target property, as well as diagrams that list in detail how each item such as rental income, taxes and public charges, management fees, and loan repayments will change in the future, year by year.

[0140] The main concerns that need to be addressed here are anxieties about the long-term uncertainty of real estate investment, such as "what the net cash flow will be like decades from now" and "the inability to predict the balance of income and expenses after major repairs or loan repayment." The reason (significance) that these concerns can be addressed is that by visualizing income and expenses over an extremely long period of 45 years, it becomes possible to concretely grasp the actual net cash flow at a specific point in the future (for example, retirement or succession). This transforms the process of asset building through long-term ownership into confidence, eliminates anxieties about future cash flow, and alleviates investors' concerns.

[0141] Next, Figure 34 is an explanatory diagram showing an example of a depreciation simulation created by an information processing system according to one embodiment of the present invention. It shows a screen that displays the annual depreciation expenses calculated based on the statutory useful life for the building and equipment portions of the property price, as well as a diagram that visualizes the schedule for expense recognition over time.

[0142] The main concerns that need to be addressed here are anxieties about changes in tax-related profit and loss, such as "how long and to what extent will the tax-saving effect (income reduction) last?" and "will the tax burden increase sharply (dead cross) after the depreciation period ends?" The reason (significance) that these concerns can be addressed is that by clearly stating the annual depreciation amount in advance, it becomes possible to accurately understand the difference between cash flow and accounting profit. This allows for an understanding of the period during which tax-saving benefits can be enjoyed to the fullest, enabling planned exit strategies and tax preparations, thus eliminating concerns about tax risks.

[0143] In this embodiment, the real estate system (information processing system) 1 comprises an information processing device relating to one aspect as a whole, and the management device (all or part of the information processing device) 20, which is all or part of the system, includes a simulation result display function that displays the results of at least one of the following simulations as part of the system operation example C: "As a simulation, as described above, revenue simulation, property acquisition condition simulation, income / expense balance / savings efficiency simulation, correlation simulation between LTP and monthly income / expense, correlation simulation between interest rate and monthly income / expense, rent / price increase simulation, risk analysis simulation, PL / CF (years 1-15) simulation, PL / CF (years 16-30) simulation, PL / CF (years 31-45) simulation, and depreciation simulation."

[0144] The main concerns that need to be addressed in this case are uncertainty about future earnings, anxieties about interest rate and price fluctuations, and resilience to unexpected risks. The reason (significance) for addressing these concerns is the presentation of numerical support under multiple conditions. That is, by presenting (displaying / printing) an explanation of the simulation results, investors will be shown quantitatively the results under optimistic, standard, and cautious conditions, as well as the degree of impact when prices fall or interest rates rise, providing them with information to make informed decisions, including worst-case scenarios.

[0145] This makes it possible to replace subjective anxieties with numerical data, creating an environment where investors can make informed decisions. This allows for the presentation of explanations that alleviate concerns about specific product categories, enabling sales support without relying on the experience and expertise of sales representatives, and ultimately improving the reliability and speed of investment decisions.

[0146] [6. Supplementary Explanation] Incidentally, in meetings and other interactions with potential investor clients, there are many occasions (and needs) where sales representatives need to present (display or print) the aforementioned "explanations to alleviate concerns" (concern-alleviating explanations) to the client. In response to this, there was a strong demand for a system that could support sales without relying on the experience and know-how of individual sales representatives. Such a system would not only be able to provide accurate explanations regardless of the individual sales representative's personality, but also require immediacy in practical situations. Therefore, the inventors of this project have devised solutions to address these issues, some of which will be introduced here.

[0147] Figure 35 shows the display screen of a tablet, which is a representative of the mobile terminal device carried by the sales representative in Figure 1. It is an explanatory diagram showing the display of first-level options as an example of the tablet display screen of the concern-resolving explanation presentation function of the information processing system according to one embodiment of the present invention.

[0148] In this embodiment, the factors of concern are classified into predetermined hierarchical categories, and the concerns that may arise in each category are extracted through a repeated process of estimation, assumption, trial operation, and evaluation. The system disclosed hereby is designed to provide investors with an explanation based on the results of considering methods to eliminate these concerns.

[0149] Since this section is intended to provide an explanation, it includes not only displays but also printouts and other methods of explanation such as database creation using specific codes. However, since displaying information on a screen is the most common and easiest method of explanation in practice, the following explanation will use examples of displays.

[0150] As shown in the figure, Tablet T combines, as an example of a function to present explanations to alleviate concerns, a function to present evidence that can alleviate concerns regarding a product category, and a function to present explanations about the factors causing concerns, and further has a function to present options for the factors causing concerns.

[0151] In other words, the function that presents options for potential concerns allows potential concerns to be presented as choices, making it easy to select an option and move on to an explanation of the potential concern. Therefore, it is possible to present explanations that can alleviate the concerns, enabling sales support without relying on the experience and know-how of sales representatives, and as a result, the reliability and speed of investment decisions can be improved.

[0152] As shown in the figure, there are click buttons (or touch buttons; hereafter referred to as "click buttons") that indicate the options for the factors of concern. These include the "Market Conditions" selection button S1 (hereafter referred to as "Market Conditions S1" as a button), "Strategy" S2, "Comparison" S3, "Necessity" S4, "Taxes" S5, "Tokyo Data" S6, and "Our Company Information" S7, which can be selected. These are displayed in the diagram as shown, allowing for selection.

[0153] By incorporating a function into the entire real estate system (information processing system) that allows for the presentation (display and printing) of such "explanations that can alleviate concerns" to investor customers, for example, via a tablet carried by a sales representative, it becomes possible to alleviate various concerns of investors. As a result, sales support can be provided without relying on the experience and know-how of the individual sales representative, and the reliability and speed of investment decisions can be improved.

[0154] [7. Summary] As described above, the real estate system (information processing system) 1 of this embodiment comprises, as a whole, an information processing device according to the one aspect described above. The management device (all or part of the information processing device) 20, which is all or part of the system, is capable of providing explanations that can alleviate concerns regarding subdivided products, thereby enabling sales support without relying on the experience and know-how of sales representatives, and improving the reliability and speed of investment decisions.

[0155] Furthermore, in the real estate system (information processing system) 1 of this embodiment, the cloud main function CL has a cloud server and can provide services as the main body of the cloud service, other functions other than the cloud main function CL can be executed with respect to real estate properties by external functions (such as the branch office terminal 30 or the tablet T of the sales representative's mobile terminal), and the network (network function) 10 can connect the cloud main function CL and the external functions (30, T, etc.) via information communication, and the whole system is equipped with the information processing device of the above-described form.

[0156] In this case, since the system as a whole is equipped with one type of information processing device, it becomes possible to provide explanations that can alleviate concerns regarding categorized products, thereby enabling sales support without relying on the experience and know-how of sales representatives, and improving the reliability and speed of investment decisions.

[0157] The concept of the present invention has been described primarily with reference to several embodiments. However, as will be readily apparent to those skilled in the art, embodiments other than those described above are equally possible within the scope of the concept of the present invention, as defined by the appended claims. [Industrial applicability]

[0158] The information processing apparatus, information processing method, information processing system, program, and storage medium according to each aspect of the present invention relate to information processing capable of dividing a real estate property into a desired number of unit properties and processing information for treating these unit properties as investment targets. In this sense, it utilizes natural laws, has industrial value in that it operates hardware through program control, and has broad industrial applicability in these technical fields. [Explanation of Symbols]

[0159] 1. Real Estate System (Information Processing System) 10. Network (Internet function) 20. Management device (the whole or a part of the information processing device) 21 ···Server 22 ···Database 23 ···Input device 24 ···Output device 25 ···Communication Interface 30 ···Branch terminal (functions outside the cloud main unit) 31 ... Processor 32...memory 33 ···Input device 34 ··· Output device 35 ···Communication Interface CL ···Cloud main function M ···Sales Representative T... Tablet

Claims

1. An information processing device capable of supporting sales activities for investment activities for fractional ownership products obtained by dividing a real estate property into a desired number of unit properties, It is equipped with a function to present explanations that can alleviate concerns regarding the aforementioned product category, The aforementioned concern-alleviating explanation presentation function is characterized by having an LTP-monthly income / expense correlation simulation result presentation function that presents the results of a correlation simulation between LTP and monthly income / expenses to investors as evidence that the aforementioned concerns can be alleviated, or an interest rate-monthly income / expense correlation simulation result presentation function that presents the results of a correlation simulation between interest rates and monthly income / expenses to investors as evidence that the aforementioned concerns can be alleviated.

2. The information processing device according to Claim 1, further comprising a revenue simulation result explanation presentation function that presents the revenue simulation results explained to investors as grounds for dispelling the concerns.

3. The information processing device according to Claim 1, wherein the function for presenting explanations to alleviate concerns further comprises a function for presenting explanations of property acquisition condition simulation results, which are explained to investors as grounds for alleviating the concerns.

4. The information processing device according to Claim 1, further comprising a function for presenting an explanation to alleviate concerns, which presents the results of a balance simulation explained to investors as grounds for alleviating the concerns.

5. The information processing device according to Claim 1, further comprising a rent / price increase simulation result explanation presentation function which presents rent / price increase simulation results based on actual data to be explained to investors as grounds for dispelling the concerns.

6. The information processing device according to claim 1, further comprising a risk analysis explanation presentation function that presents the results of a risk analysis simulation to be explained to investors as grounds for dispelling the concerns.

7. The information processing device according to Claim 1, further comprising a PL / CF result explanation presentation function that presents PL / CF simulation results to investors as grounds for dispelling the concerns.

8. The information processing device according to claim 1, wherein the function for presenting explanations to alleviate concerns further comprises a function for presenting depreciation results as evidence that can alleviate the concerns, by presenting the depreciation simulation results explained to investors.

9. An information processing system comprising a management device and a branch office terminal connected via a network, which is capable of supporting sales activities for investment purposes for subdivided products obtained by dividing a real estate property into a desired number of unit properties, It is equipped with a function to present explanations that can alleviate concerns regarding the aforementioned product category, The aforementioned concern-alleviating explanation presentation function is characterized by having an LTP-monthly income / expense correlation simulation result explanation presentation function that presents the results of a correlation simulation between LTP and monthly income / expenses to investors as evidence that the aforementioned concerns can be alleviated, or an interest rate-monthly income / expense correlation simulation result explanation presentation function that presents the results of a correlation simulation between interest rates and monthly income / expenses to investors as evidence that the aforementioned concerns can be alleviated.

10. The function of providing an explanation to alleviate concerns is: Revenue simulation, property acquisition condition simulation, income / expense balance / savings efficiency simulation, rent / price increase simulation, risk analysis simulation, P&L / CF (years 1-15) simulation, P&L / CF (years 16-30) simulation, P&L / CF (years 31-45) simulation, and depreciation simulation. It further has an investor relations explanation presentation function that presents the results of at least one of the simulations as an explanation to investors. The information processing system according to claim 9, characterized in that it is the same as described in claim 9.

11. An information processing method in an information processing system in which a management device and a branch office terminal are connected via a network, which is capable of supporting sales activities for investment purposes for subdivided products obtained by dividing a real estate property into a desired number of unit properties, The management device and / or the sales office terminal includes a step of performing a concern-alleviating explanation presentation function that presents an explanation capable of dispelling concerns regarding the category of goods, Information processing method characterized in that the management device and / or the branch terminal has a function for presenting explanations to alleviate concerns, which includes a function for presenting explanations of LTP-monthly income correlation simulation results, which presents the results of a correlation simulation between LTP and monthly income and expenses to investors as grounds for alleviating the concerns, or a function for presenting explanations of explanations of interest rate-monthly income correlation simulation results, which presents the results of a correlation simulation between interest rates and monthly income and expenses to investors as grounds for alleviating the concerns.

12. The function for presenting an explanation to alleviate concerns is: Revenue simulation, property acquisition condition simulation, income / expense balance / savings efficiency simulation, rent / price increase simulation, risk analysis simulation, P&L / CF (years 1-15) simulation, P&L / CF (years 16-30) simulation, P&L / CF (years 31-45) simulation, and depreciation simulation. It further has an investor relations explanation presentation function that presents the results of at least one of the simulations as an explanation to investors. The information processing method according to claim 11, characterized in that it is a feature of the present invention.

13. An information processing system comprising a management device and a branch office terminal connected via a network, which is capable of supporting sales activities for investment purposes for fractional ownership products obtained by dividing a real estate property into a desired number of unit properties, Computers, A program that functions as a concern-alleviating explanation presentation unit that presents explanations capable of dispelling concerns regarding the aforementioned product category, The program is characterized in that the aforementioned concern dispelling explanation unit has an LTP-monthly income correlation simulation result explanation presentation function that presents the results of a correlation simulation between LTP and monthly income and expenses to investors as evidence that can dispel the aforementioned concerns, or an interest rate-monthly income correlation simulation result explanation presentation function that presents the results of a correlation simulation between interest rates and monthly income and expenses to investors as evidence that can dispel the aforementioned concerns.

14. The concern dispelling explanation presentation unit is: Revenue simulation, property acquisition condition simulation, income / expense balance / savings efficiency simulation, rent / price increase simulation, risk analysis simulation, P&L / CF (years 1-15) simulation, P&L / CF (years 16-30) simulation, P&L / CF (years 31-45) simulation, and depreciation simulation. It further has an investor relations explanation presentation function that presents the results of at least one of the simulations as an explanation to investors. The program according to claim 13, characterized in that it is the program described in claim 13.

15. A recording medium storing the program according to claim 13 or 14.

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