JP7691099B2 - Information processing device, program and method - Google Patents

Description

This disclosure relates to an information processing device, a program, and a method.

There is technology that supports investors in investing in investment targets. For example, investment targets include businesses, real estate, commodities (resources), stocks, and bonds. Conventionally, as in Patent Document 1, technology has been disclosed that allows one user to own multiple rental properties and view the income and expenditure status of each property all at once on a single website.

JP 2008-033714 A

However, when managing assets, it is not easy to analyze real estate information as investment information. Specifically, in order to utilize real estate information as investment information, it is necessary to understand income and expenditure information, comparison of multiple properties, and borrowing status for currently held real estate information, and combine it with information on real estate being considered for purchase or sale to perform analytical processing such as future income and expenditure analysis, comparison analysis of multiple properties, and borrowing status analysis.

In addition, when investing in businesses or operations in general, not just real estate information, as part of asset management, it is not easy to analyze the financial status of the business. Specifically, to use business or operation information as investment information, it may be better to compare and analyze the financial status of information on businesses in which you are considering new investment, information on businesses in which you are currently investing, and multiple other businesses.

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

This disclosure has been made in light of the above, and aims to perform analysis processing of investment targets such as businesses or enterprises, and provide information that is useful for investment.

According to one embodiment, an information processing device is provided that includes a control unit and a storage unit and provides investment information to a user. The control unit performs the steps of presenting information on each business or enterprise that is a candidate for investment to the user, accepting an operation from the user to select at least one business or enterprise, performing an analysis process on the financial status of the at least one selected business or enterprise, and presenting the results of the analysis process. In the step of performing the analysis process, a financial analysis is performed based on information on the at least one business or enterprise selected by the user, and each of the multiple financial items is analyzed and presented in a single graph, in which each financial item of the selected business or enterprise, or each financial item of a combination of the selected multiple business or enterprises, is associated with each other, and presented in the graph in a form that allows comparison with the comparative values of each financial item of each of the businesses or enterprises of a predetermined sample number on the same screen.

According to the present disclosure, it is possible to perform analytical processing and provide information that is useful for investment in investment targets such as businesses or enterprises.

1 is a diagram showing the overall configuration of a real estate management system 1. FIG. 1 is a block diagram of a user's terminal device 10 constituting a real estate management system 1 according to a first embodiment of the present invention. FIG. 2 is a diagram showing the functional configuration of a server 20 constituting a real estate management system 1 according to the first embodiment. 2 is a diagram showing the data structures of a user information database 281 and a real estate information database 282 stored in the server 20. 11 is a flowchart showing an example of a flow of performing an analysis process on at least one real estate property that is owned or being considered for purchase and that is specified by a user, by the real estate management system 1 of the first embodiment. 1 is a diagram showing an example of a screen of a user's terminal device 10. FIG. 1 is a diagram showing an example of a screen of a user's terminal device 10. FIG. 1 is a diagram showing an example of a screen of a user's terminal device 10. FIG. 2 is a diagram showing the data structures of a user information database 281 and a business information database 282 stored in the server 20. 13 is a flowchart showing an example of a flow of performing an analysis process on at least one business that is owned or under consideration for purchase and that is specified by a user in the second embodiment. 1 is a diagram showing an example of a screen of a user's terminal device 10. FIG.

Below, an embodiment of the present disclosure will be described with reference to the drawings. In the following description, identical parts are given the same reference numerals. Their names and functions are also the same. Therefore, detailed descriptions thereof will not be repeated.

First Embodiment
Hereinafter, an embodiment will be described in which an analysis process is performed on at least one real estate property designated by a user that is owned or under consideration for purchase.

<1 Overall configuration of real estate management system 1>
FIG. 1 is a diagram showing the overall configuration of a real estate management system 1.

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

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

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

The server 20 is a device that manages information about each user and each property. The server 20 is a computer connected to the network 80.

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

The communication IF 22 is an interface for inputting and outputting signals so that the server 20 can communicate with external devices. The input/output IF 23 functions as an interface with an input device for accepting input operations from the user and an output device for presenting information to the user. The memory 25 is for temporarily storing programs and data processed by the programs, etc., and is a volatile memory such as a DRAM (Dynamic Random Access Memory). The storage 26 is a storage device for saving data, such as a flash memory or a HDD (Hard Disc Drive). The processor 29 is hardware for executing a set of instructions written in a program, and is composed of an arithmetic unit, registers, peripheral circuits, etc.

<1.1 Configuration of terminal device 10>
Fig. 2 is a block diagram of the terminal device 10 constituting the real estate management system 1 of the first embodiment. As shown in Fig. 2, the terminal device 10 includes a communication unit 110, an operation reception unit 130, a display unit 140, a storage unit 170, and a control unit 180. The terminal device 10 also has functions and configurations (e.g., a battery for storing power, a power supply circuit for controlling the supply of power from the battery to each circuit, etc.) that are not specifically shown in Fig. 2. As shown in Fig. 2, each block included in the terminal device 10 is electrically connected by a bus or the like.

The communication unit 110 is a component that allows the terminal device 10 to communicate with other devices.

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

The display unit 140 displays data such as images, videos, and text under the control of the control unit 180. The display unit 140 is realized, for example, by a liquid crystal display.

The storage unit 170 is configured, for example, from a flash memory or the like, and stores data and programs used by the terminal device 10. In one aspect, the storage unit 170 stores user information 171 and real estate information 172. The user information 171 and real estate information 172 are information managed by the server 20 (such as a user information database 281 and a real estate information database 282, which will be described later). The terminal device 10 accesses the server 20 via a browser or the like, and thereby performs processing based on the user information 171 and the real estate information 172.

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

Real estate information 172 is information about real estate in the real estate management system 1. The real estate information includes information identifying each real estate (real estate ID), physical details of each real estate, rights status, operating revenue, operating expenses, acquisition price, borrowing status, etc.

The control unit 180 controls the operation of the terminal device 10 by reading the program stored in the memory unit 170 and executing the instructions contained in the program. The control unit 180 operates according to the program to fulfill the functions of an input operation reception unit 181, a transmission/reception unit 182, a display control unit 183, a real estate registration unit 184, a real estate selection unit 185, and an analysis processing designation unit 186.

The input operation reception unit 181 performs processing to receive user input operations on input devices such as a mouse and keyboard.

The transmission/reception unit 182 performs processing for the terminal device 10 to transmit and receive data to and from external devices such as the server 20 in accordance with a communication protocol.

The display control unit 183 controls the display processing of the display unit 140.

The real estate registration unit 184 performs processing to accept operations to register real estate from the user. For example, the real estate registration unit 184 accepts operations to register information such as the physical details, rights status, operating revenue, operating expenses, acquisition price, and borrowing status of each piece of real estate owned by the user. In addition, the real estate registration unit 184 accepts operations to specify the status of each piece of real estate as owned, sold, under consideration, discontinued, etc. from the user.

The real estate selection unit 185 performs processing to accept an operation from the user to select real estate to be the subject of the analysis processing described below. For example, the real estate selection unit 185 presents all real estate registered by the user according to the property's status, and accepts an operation from the user to select at least one property that the user owns or is considering purchasing.

The analysis process designation unit 186 accepts an operation from the user to designate the type of analysis process to be performed on at least one selected property. For example, the analysis process designation unit 186 presents all the types of analysis processes that can be performed, as described below, and accepts a designation from the user to perform an income/expense analysis on multiple properties.

<1.3 Functional configuration of server 20>
Fig. 3 is a diagram showing the functional configuration of the server 20. As shown in Fig. 3, the server 20 fulfills the functions of a communication unit 201, a storage unit 202, and a control unit 203.

The communication unit 201 performs processing for the server 20 to communicate with external devices.

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

The user information database 281 is a database for storing information about users who use the real estate management system 1. Details will be described later.

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

The control unit 203 performs functions shown as various modules by the processor of the server 20 performing processing according to a program.

The reception control module 2031 controls the process in which the server 20 receives signals from external devices according to a communication protocol.

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

The registration reception module 2033 controls the process in which the server 20 receives operations to register real estate from the terminal device 10.

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

The analysis process specification receiving module 2035 controls the process in which the server 20 receives an operation from the terminal device 10 to specify the type of analysis process described below. For example, the analysis process specification receiving module 2035 receives a specification from the terminal device 10 to perform an income/expense analysis on multiple properties.

The analysis processing module 2036 controls the process in which the server 20 performs a predetermined analysis process on at least one property selected by the user. For example, the analysis processing module 2036 analyzes the income and expenditure situation specified by the user for a property currently owned and multiple properties being considered for purchase selected by the user.

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

As shown in FIG. 4, each record in the user information database 281 includes the items "user ID," "name," and "registered real estate," etc.

The "User ID" item is information that identifies each user.

The item "Registered real estate" is information about real estate registered by each user when using the real estate management system 1. Specifically, "Registered real estate" stores the real estate ID of each real estate property according to the status of the real estate specified by the user (owned, considering purchase, discontinued consideration, sold, etc.).

For example, when a user registers detailed information about a property he owns, the server 20 stores the property as a "owned" property. In addition, when a user searches the property information stored in the real estate management system 1 using specific search criteria (use, address, area, age, etc.) and specifies a property that meets the search criteria as a property under consideration for purchase, the server 20 stores the property as a property under consideration for purchase.

In addition, the user information database 281 distinguishes between real estate owned by a user and real estate that the user is considering selling, and stores the information as real estate "under consideration for sale."

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

The "Property ID" item is information that identifies each property.

The "Detailed Information" item is detailed information about each piece of real estate, specifically including the physical details of each piece of real estate, the rights status, operating revenue, operating expenses, acquisition price, borrowing status, etc. Detailed information about real estate is used when performing analytical processing on the real estate.

The "Physical details" item is information for identifying each piece of real estate, and specifically includes information on the real estate name, address, main use, detailed use, structure, number of floors, total land area, total building floor area, and date of completion.

The item "rights status" is information showing the rights related to each piece of real estate, specifically, information showing land rights, building rights, etc., and includes information on land rights, building rights, total number of tenants, rentable area, security deposit, guarantee, leasehold, etc.

The "operating revenue" item is information showing the revenue obtained by operating each property, and specifically includes information on rental income, common area charges, utility fees, parking fees, key money and privilege fees, renewal fees, bad debts, etc.

The "Operating Expenses" item is information showing the expenses incurred by operating each property, and specifically includes information on maintenance and management fees, water and electricity expenses, repair costs, restoration costs, property management fees, tenant recruitment fees, public taxes and charges, insurance premiums, land rent, etc.

The "Acquisition price" item is information showing the amount paid when purchasing each property.

The item "Borrowing Status" is information showing the status of borrowing from financial institutions to acquire each piece of real estate, and specifically includes information regarding the borrowing date, lending financial institution, branch name, borrowing amount, contract borrowing period, borrowing interest, etc.

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

Figure 5 is a flowchart showing an example of the flow of performing analysis processing on at least one property specified by a user that is owned or under consideration for purchase on the terminal device 10.

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

In step S521, in response to the user's real estate registration, the server 20 stores information on real estate owned by the user, which is information on real estate that the user owns, and information on real estate that the user is considering purchasing, which is information on real estate that the user is considering purchasing, separately.

For example, the server 20 stores information about each property in the user information database 281 and the property information database 282 according to the status of the property specified by the user (owned, under consideration for purchase, discontinued consideration, sold, etc.), and stores a distinction between "property owned" and "property under consideration for purchase."

The server 20 may also store information on real estate that the user is considering selling separately from the owned information, which is information on real estate that the user is considering selling. For example, when a user designates a specific real estate that the user owns as a real estate that the user is considering selling, the status of the real estate is set to "sale under consideration" and the information is stored separately from other real estate that the user owns.

In step S522, the server 20 presents the user with the ownership information or the purchase consideration information. For example, the server 20 presents the user with various information (physical details, rights status, operating revenue, operating costs, etc.) about real estate owned by the user or real estate under consideration for purchase.

In step S512, the terminal device 10 accepts an operation from the user to select at least one of the properties shown in the presented owned information or the property under consideration for purchase information. For example, if the user wants to know the business situation if some of the properties under consideration for purchase were purchased in addition to all of the properties owned, the user performs an operation to select all of the properties owned and the some of the properties under consideration for purchase.

In step S523, the server 20 performs an analysis process on the management status of at least one selected property based on the ownership information or the purchase consideration information. For example, the server 20 performs the following analysis process.

(1) Revenue and Expenditure Analysis The server 20 performs a revenue and expenditure analysis on at least one property selected by the user that the user owns or is considering purchasing.

(1-1) Income and expenditure analysis for each property Based on the detailed information of each property selected by the user that is owned or under consideration for purchase, the server 20 calculates income and expenditure items such as operating revenue, rent level, operating expenses, non-life insurance premiums, repair costs, maintenance and management costs for each property, and performs an income and expenditure analysis for each property. Also, based on the detailed information of each property selected by the user, the server 20 calculates the operating revenue, rent level, operating expenses, non-life insurance premiums, repair costs, maintenance and management costs per unit area (for example, 1 square meter (1 ^m2 )) for each property, and performs an income and expenditure analysis per square meter for each property.

The server 20 may also extract a predetermined number of samples of real estate based on the real estate information registered by the user as well as the real estate information stored in the real estate management system 1, and calculate the first quartile, median, and third quartile of each income and expenditure item (operating revenue, rent level, operating expenses, non-life insurance premiums, repair costs, maintenance and management costs, etc.), thereby performing a comparative analysis with each income and expenditure item of each real estate selected by the user that is owned or under consideration for purchase.

The server 20 may also calculate parameters for evaluating each property based on detailed information about each property selected by the user that the user owns or is considering purchasing. For example, the server 20 may comprehensively evaluate the income and expenditure status of each property based on the calculated income and expenditure items, and calculate an overall income and expenditure evaluation parameter for each property in a numerical format.

In addition, the server 20 may predict each future income and expenditure item (operating revenue, rent level, operating expenses, non-life insurance premiums, repair costs, maintenance costs, etc.) of each property based on detailed information of each property selected by the user that the user owns or is considering purchasing, and perform a future income and expenditure analysis for each property.

(1-2) Income and Expenditure Analysis for Multiple Properties Based on detailed information on multiple properties owned or under consideration for purchase selected by the user, the server 20 calculates income and expenditure items such as operating income, rent level, operating expenses, non-life insurance premiums, repair costs, maintenance and management costs when the multiple properties are combined, and performs income and expenditure analysis by combining the multiple properties. Also, based on detailed information on multiple properties selected by the user, the server 20 calculates operating income, rent level, operating expenses, non-life insurance premiums, repair costs, maintenance and management costs, etc. per square meter when the multiple properties are combined, and performs income and expenditure analysis per square meter when the multiple properties are combined.

In addition, the server 20 may extract a predetermined number of samples of real estate based on real estate information other than that registered by the user, that other users own or are considering purchasing, and calculate the first quartile, median, and third quartile of each income and expenditure item (operating revenue, rent level, operating expenses, non-life insurance premiums, repair costs, maintenance and management costs, etc.), thereby performing a comparative analysis with the income and expenditure items of a combination of multiple real estate properties owned or under consideration for purchase selected by the user.

The server 20 may also calculate parameters for evaluating a combination of multiple real estate properties based on detailed information about the multiple real estate properties selected by the user that the user owns or is considering purchasing. For example, the server 20 may comprehensively evaluate the income and expenditure situation of the multiple real estate properties based on each income and expenditure item when the multiple real estate properties are combined, and calculate an overall income and expenditure evaluation parameter in a numerical format when the multiple real estate properties are combined.

This allows for an income/expenses analysis to be performed for at least one property selected by the user that is owned or under consideration for purchase, as well as an income/expenses analysis for a combination of multiple properties. For example, it is possible to perform an income/expenses analysis for a property under consideration for purchase in addition to a property owned. This makes it possible to provide information that is useful for real estate investment.

In addition, the server 20 may predict each future income and expenditure item (operating revenue, rent level, operating expenses, non-life insurance premiums, repair costs, maintenance costs, etc.) of multiple properties selected by the user based on detailed information of the multiple properties that the user owns or is considering purchasing, and perform a future income and expenditure analysis by combining the multiple properties.

(1-3) Extraction of real estate similar to the selected real estate The server 20 extracts real estate information similar to the at least one selected real estate from information owned or information under consideration for purchase by other users based on an income/expense analysis of at least one real estate selected by the user that the user owns or is considering purchasing.

For example, the server 20 extracts real estate information similar to the income and expenditure situation of the real estate selected by the user and under consideration for purchase from information held by other users. The server 20 may also calculate each income and expenditure item (operating revenue, rent level, operating expenses, non-life insurance premiums, repair costs, maintenance and management costs, etc.) of the similar real estate based on the extracted information of the similar real estate, and present it so that it can be compared with the real estate selected by the user.

This allows real estate information similar to the property selected by the user to be extracted from the real estate information stored in the real estate management system, providing information that is useful for real estate investment.

(2) Portfolio Analysis The server 20 presents the results of analysis processing of each of the multiple properties selected by the user, which are owned or under consideration for purchase, in a comparative manner. For example, the server 20 identifies and compares the acquisition price, appraisal value, outstanding loan amount, inheritance tax assessment value, and NOI (net operating income) of each of the multiple properties selected by the user, which are owned or under consideration for purchase, and displays the analysis results in a single graph.

In addition, the server 20 extracts specified elements of the owned information or information under consideration for purchase, performs a weighting analysis on the specified elements of each property, and presents the results of the analysis process in a comparable manner. For example, the server 20 performs a weighting analysis on the acquisition price of each property for a portfolio of multiple properties owned and under consideration for purchase selected by the user, and displays the weight of each property in the total acquisition price of the multiple properties in a single graph.

The server 20 may present the results of an analysis process on the future business status of each of a portfolio of multiple properties selected by the user that the user owns or is considering purchasing, in a comparative manner. For example, the server 20 may predict and compare the future NOI (net operating income) of each of multiple properties selected by the user that the user owns and is considering purchasing, and display the future NOI (net operating income) of the multiple properties on a single graph.

This allows the analysis results for a portfolio consisting of multiple properties that a user has selected and that they currently own or are considering purchasing to be presented in a comparative manner, providing information that is useful for real estate investment, such as comparing properties that the user is considering purchasing with properties that the user currently owns, or evaluating the business status of a real estate portfolio.

(3) Borrowing Status Analysis The server 20 performs a borrowing status analysis for each real estate property selected by the user that is owned or under consideration for purchase. For example, the server 20 analyzes the borrowing status of each real estate property with respect to the borrowing balance, cash flow, cumulative cash flow, etc., based on the operating revenue, operating expenses, repair expenses, income tax, number of years elapsed, borrowing date, borrowing amount, contract borrowing period, borrowing interest, etc. of each real estate property.

In addition, the server 20 performs an overall borrowing status analysis, such as predicting the overall future cash flow, for multiple properties selected by the user that the user owns or is considering purchasing. For example, the server 20 analyzes the borrowing status of multiple properties, such as the overall future borrowing balance, cash flow, and accumulated cash flow, based on the operating revenue, operating expenses, repair costs, income tax, years since purchase, borrowing date, borrowing amount, contract borrowing period, and borrowing interest of each property selected by the user.

This allows for a borrowing status analysis to be performed for at least one property selected by the user that is owned or under consideration for purchase, as well as a borrowing status analysis for a combination of multiple properties. For example, it is possible to perform a borrowing status analysis for a property under consideration for purchase in addition to a property owned. This makes it possible to provide information that is useful for real estate investment.

In step S524, the server 20 transmits the results of the analysis process to the terminal device 10. For example, the server 20 transmits to the terminal device 10 the results of an income/expense analysis for a combination of the real estate owned and the real estate being considered for purchase selected by the user.

In step S513, the terminal device 10 displays the results of the analysis process and presents them to the user. For example, the terminal device 10 displays the results of an income/expense analysis of a combination of real estate owned and a real estate being considered for purchase selected by the user, and presents them to the user.

By carrying out the above series of processes, various analytical processes can be performed on at least one property selected by the user that the user owns or is considering purchasing, and the results of the analysis can be presented to the user. This makes it possible to provide information that is useful for real estate investment.

<Modification>
(1) Information presentation to financial institution The server 20 may present the results of analysis processing on at least one real estate selected from the ownership information or the purchase consideration information to the financial institution. For example, the server 20 provides the financial institution with information showing an income/expense analysis and a borrowing situation analysis of real estate owned by a specific user, and information on real estate under consideration for purchase. For example, the terminal device of the financial institution accepts input of search conditions for searching for users who manage real estate from the user of the financial institution. In response to the search conditions input at the terminal device of the financial institution, the server 20 transmits information on users who manage real estate, which are the search results, to the terminal device of the financial institution by referring to the user information database 281 and the real estate information database 282. For example, the server 20 accepts input of search conditions based on each item of the user information database 281 or each item of the real estate information database 282 from the user of the financial institution. Specifically, the server 20 may accept input of search conditions for real estate that a user who manages real estate is "considering to purchase" from the user of the financial institution. For example, the amount of loan required to acquire the property "under consideration for purchase" may be accepted as a search condition.

The server 20 may also transmit to the terminal device of the financial institution information such as "owned", "considering purchase", "cancelled consideration", "sold" and the like set for each property by each user who manages real estate, based on the user information database 281. The server 20 may also enable users of the financial institution to send messages and the like to users who manage real estate. This allows users of the financial institution to check information on properties owned by each user who manages real estate and properties that they are considering purchasing, and make requests such as loan requests to the users who manage real estate.

This allows financial institutions to easily check the necessary basic real estate information (rental status list, monthly income and expenditures table, annual performance table, repair history table, borrowing status list, etc.). In addition, if a financial institution determines that the user's collateral appraisal amount significantly exceeds the borrowing balance, it can propose a loan to the user, thereby providing a matching service between real estate managers who wish to borrow funds to purchase a property and financial institutions that wish to lend.

(2) Registration of a sub-user The server 20 may accept an operation from a user to register a sub-user ID linked to the user's user ID (main user ID) and create at least one sub-user ID. For example, when a user inputs an email address, the server 20 creates a sub-user ID corresponding to the email address. This allows the sub-user to access information of the main user.

The server 20 may also manage the authority of each sub-user through settings made by the main user. For example, the main user may specify the real estate ID of the real estate information that each sub-user can access, and the sub-user may access only specific real estate owned by the main user. The main user may also restrict the operations that each sub-user may perform on real estate information. For example, settings made by the main user may allow a specific sub-user to view specific real estate information owned by the main user and to register new real estate information.

The server 20 may transfer sub-user IDs between main users or promote sub-user IDs to main user IDs. For example, in an example of transferring sub-user IDs between main users, there is a first main user "user 1", a second main user "user 2", and a first sub-user "user 3" associated with the first main user "user 1". The first main user "user 1" is a real estate management company for the first sub-user "user 3". The association between the first sub-user "user 3" and the first main user "user 1" is released, and the first sub-user "user 3" is associated with the second main user "user 2". For example, the first main user "user 1" and the second main user "user 2" may have some kind of relationship, such as being a company in the same group or a sister branch, or may not. For example, if some circumstances arise that cause the management jurisdiction of the first sub-user "User 3" to be changed to the second main user "User 2", the first sub-user "User 3" will be transferred between the first main user "User 1" and the second main user "User 2".

The server 20 may also prevent the sub-user from accessing the main user's real estate information until a certain condition is met, and allow the sub-user to access the main user's real estate information upon meeting the certain condition. Here, meeting the certain condition includes the main user reaching a specific state.

For example, the main user here may be the deceased, and the sub-user may be the heir. The main user, who is the deceased, may designate at least one heir as a sub-user, so that the heir can access information on real estate owned by the deceased, information on real estate under consideration for purchase, etc. This allows the main user's real estate information to be easily shared with the sub-user, and useful information can be provided for inheritance negotiations. In addition, based on the results of the analysis of the real estate, useful materials can be provided to the user by proposing measures for inheritance, such as selling, purchasing, or sorting the real estate. Here, the server 20 may enable the sub-user to share information on the main user's real estate in response to information indicating that the main user is in a situation to inherit from the sub-user. For example, in response to the server 20 receiving a notice of the death of the main user, who is the deceased, the sub-user may be allowed to access information on the main user's real estate.

For example, the main user here may be a real estate manager, and the sub-users may be experts such as tax accountants, lawyers, real estate appraisers, and real estate management companies. The main user, who is a real estate manager, may designate an expert as a sub-user, allowing the expert to access information on real estate owned by the real estate manager, information on real estate being considered for purchase, and the like. This allows the main user's real estate information to be easily shared with the sub-user. The server 20 may also link the same expert sub-user ID to multiple main user IDs. For example, the server 20 may assign one sub-user ID to the same tax accountant, link it to the main user IDs of multiple real estate managers, and display the user names of each main user ID for that sub-user ID.

<4 Screen example>
6, 7, and 8 are diagrams showing example screens of the terminal device of the present disclosure, which are example screens displaying the results of each analysis process.

Figure 6 is an example of a screen displaying the results of an income/expense analysis of multiple properties selected by the user. As shown in Figure 6, an area for selecting a property is displayed in area 131 of the terminal device 10. The properties registered by the user are presented according to their status (owned, under consideration for purchase, etc.), and the property selected by the user is displayed as a black square (in Figure 6, property 1 owned and property 2 under consideration for purchase are selected).

This allows users to narrow down the properties they want to analyze by status, and allows them to simultaneously specify and analyze multiple properties with different statuses.

In addition, area 132 displays parameters that comprehensively evaluate the income and expenditure status of multiple properties selected by the user. In FIG. 6, the "overall income and expenditure evaluation," which is a parameter that comprehensively evaluates the income and expenditure status by combining property 1 currently owned and property 2 being considered for purchase, is displayed in a numerical format.

In addition, in area 133, the income and expenditure status of multiple real estate selected by the user is displayed on the same graph for each income and expenditure item (operating income, rent level, operating expenses, non-life insurance premiums, repair costs, maintenance costs, etc.). In FIG. 6, the income and expenditure status (target real estate) when a property 1 currently owned and a property 2 under consideration for purchase are combined is displayed on a single radar chart (called a score map) for each income and expenditure item, and each income and expenditure item (operating income, rent level, operating expenses, non-life insurance premiums, repair costs, maintenance costs) is displayed on the same graph. In addition, the first quartile, median, and third quartile of each income and expenditure item calculated by extracting a specified number of real estate from the real estate information accumulated in the real estate management system 1 are displayed on the same graph as the income and expenditure status of multiple real estate selected by the user.

In addition, in area 134, each income and expenditure item of the multiple real estate selected by the user is displayed in detail. In FIG. 6, for the income and expenditure situation (target real estate) when a property 1 currently owned and a property 2 under consideration for purchase are combined, the operating income per square meter is displayed as a straight line on the scatter diagram. In addition, the first quartile, median, average, and third quartile of the operating income per square meter of real estate by region accumulated in the real estate management system 1 are each displayed as a dot on the scatter diagram, and are displayed so as to be comparable with the target real estate. In addition to the operating income per square meter, the operating expenses (compared to real estate by total floor area), rent level (compared to real estate by region), repair expenses (compared to real estate by age), maintenance expenses (compared to real estate by total floor area), operating income and expenditure (compared to real estate by region), etc. may be displayed for the target real estate selected by the user.

This allows users to easily grasp the income and expenditure situation of multiple properties they own or are considering purchasing by displaying the analysis results of each income and expenditure item, while also displaying the overall income and expenditure analysis results in an easy-to-read format.

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

This allows users to narrow down the properties they want to analyze by status, and allows them to simultaneously specify and analyze multiple properties with different statuses.

In addition, in area 135, the results of the analysis process for each of the properties selected by the user are presented in a comparative manner. In FIG. 7, the repair cost to rent level ratios per square meter for property 4 currently owned and properties 5 and 6 under consideration for purchase are displayed in a single graph for comparison, and the regression lines obtained from the repair cost to rent level ratios per square meter for each are also displayed in a single graph. In addition to the repair cost to rent level ratios per square meter, the NOI (net operating income) to acquisition price ratio, NOI yield to acquisition price yield ratio, NOI yield to rent level ratio, and inheritance tax assessment value to appraisal value ratio may also be displayed for each property in the portfolio selected by the user.

In addition, in area 136, a specific element is extracted from a portfolio consisting of multiple properties selected by the user, and a weighted analysis is performed on the specific element of each property, and the results of the analysis process are presented in a comparative manner. In FIG. 7, the weights of the acquisition price, appraisal value, outstanding loan balance, and inheritance tax assessment value of property 4 currently owned, property 5 under consideration for purchase, and property 6 are displayed in respective pie charts for comparison. Weighted analyses of multiple items may also be displayed in a single graph for comparison. For example, a weighted analysis of the acquisition price of each property and a weighted analysis of the outstanding loan balance of each property may be displayed in a single double doughnut graph.

This allows the analysis results for a portfolio consisting of multiple properties selected by the user that are owned or under consideration for purchase to be presented in a comparable manner, providing information that is useful for real estate investment, such as comparing properties under consideration for purchase with properties currently owned. In addition, the analysis results for each of the multiple properties in the portfolio can be displayed on the same screen table, allowing the analysis results to be presented in a format that is easy for the user to view.

Figure 8 is an example of a screen displaying the results of a borrowing status analysis of multiple properties selected by the user. As shown in Figure 8, in the terminal device 10, an area for selecting a property is displayed in area 131. The properties registered by the user are presented by status (owned, under consideration for purchase, etc.), and the property selected by the user is displayed as a black square (in Figure 8, property 1 owned and property 2 under consideration for purchase are selected).

This allows users to narrow down the properties they want to analyze by status, and allows them to simultaneously specify and analyze multiple properties with different statuses.

Area 137 also shows the overall borrowing situation for multiple properties selected by the user. In FIG. 8, the overall future borrowing balance (loan balance), cash flow, and cumulative cash flow for a combination of property 1 currently owned and property 2 currently under consideration for purchase are shown. In the example of FIG. 8, the horizontal axis shows the number of years that have passed, and two types of bar graphs are displayed for each year. In the example shown, the bar graph on the left for each year shows the "borrowing balance (loan balance)," and the bar graph on the right shows the "cumulative cash flow."

This allows the service to present an analysis of the overall borrowing situation for multiple properties selected by the user that they own or are considering purchasing, providing information that is useful for real estate investment, such as a cash flow simulation for a combination of properties they own and properties they are considering purchasing.

Second Embodiment
In the above example, an embodiment has been described in which analysis processing is performed on at least one real estate property designated by a user that is owned or under consideration for purchase. However, the data analyzed here is not limited to real estate investment information, and may be on at least one business operator or business designated by a user that is under investment or under consideration for investment. This makes it possible to provide the user with information that is useful for investing in a business operator or business. Note that the business operator referred to here may be a listed company, an unlisted company, or any other organization that conducts business.

An operator may have multiple businesses. Here, a business may refer to a business area that is uniquely defined by the operator. A business may also refer to a generally established business classification, industrial classification, or industry classification, such as "retail," "transportation," or "food and beverage." For example, a stock exchange may assign an industry classification along with the stock name. Furthermore, industry classifications may be indicated in publications that include information on listed companies. A business may also include real estate management and real estate investment.

<1 Data Structure>
FIG. 9 is a diagram showing the data structure of the user information database 281A and the business information database 282A stored in the server 20. As shown in FIG.

As shown in FIG. 9, each record in the user information database 281A includes the items "User ID" and "Registered business," etc.

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

The item "Registered business" is information about businesses registered by each user when using the business management system 200. Specifically, "Registered business" stores each business ID according to the status of the business specified by the user (investing, considering investment, consideration discontinued, etc.).

For example, when a user registers detailed information about a business in which the user is investing, the server 20 refers to the user information database 281A and stores the business as a business in which the user is "investing". In addition, when the user searches for businesses stored in the business management system 200 using specified search criteria (industry type, area, listing category, keywords, etc.) and specifies a business that satisfies the search criteria as a business in which the user is considering investing, the server 20 stores the business as a business in which the user is "considering investing".

Each record in the business information database 282A includes an item "business ID" and an item "detailed information", etc. For each record in the business information database 282A, the server 20 may, for example, accept an operation by the user to register information about the business, and may update the details of the user's investment (such as the amount invested, the purchase price when stocks are acquired, and the purchase time) in the business information database 282A in association with information identifying the business by accepting the operation to register the business from the user. The server 20 may accept an operation to register a business from the user, and register the information about the business in the business information database 282A. The server 20 may also crawl the information about the business from the Web, the website of the business company, etc., and register the business as a business in the business information database 282A.

The "Business ID" item is information that identifies each business.

The "detailed information" item is detailed information about each business operator, specifically including the physical details, financial details, operating income, investment amount, etc. of each business operator. The detailed information about the business operators is used when performing analytical processing on the business operators.

The "physical items" item is information for identifying each business operator, and specifically includes information on the business operator's name, address, business content, history, officers, affiliated companies, etc. Server 20 may associate information on the business operator's business classification, industry classification, and business sector classification in the "physical items" item, etc.

The "Financial Matters" item is information about the financial status of each business, specifically including information about total assets, equity capital, net income, number of issued shares, stock price, etc. In the "Financial Matters" item, server 20 may store information about the financial status according to the business classification to which the business belongs. For example, if a business is operating in the "retail" business, information that tends to attract attention in the business classification, such as "inventory turnover," may be stored as information about the financial status in the "Financial Matters" item. For example, if a business is operating in the "food and beverage" business, server 20 may store information such as the turnover rate of customers visiting the store as information about the financial status of the business.

The "investment income" item is information indicating the income obtained by continuing to invest in each business operator, and specifically includes information regarding the stock price at the time of purchase, the number of shares held, dividends, etc. For example, in the "investment income" item, the server 20 may associate with user information and retain information such as the stock price at the time of the user's purchase, the number of shares held, the time of purchase, and the time of sale.

The "investment amount" item is information indicating the amount paid when investing in each business. For example, in the "investment amount" item, the server 20 may store information on the amount invested by the user and the time of investment in association with user information.

<2 Operation>
FIG. 10 is a flowchart showing an example of the flow of analysis processing performed on the terminal device 10 for at least one business operator in which the user is making an investment or is considering making an investment, the business operator specifying the at least one business operator in which the user is making an investment or is considering making an investment.

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

In step S621, the server 20 stores in the storage unit 202 a distinction between investment information, which is information on investment targets held by the user, and investment under consideration information, which is information on investment targets in which the user is considering investing. The server 20 presents the user with the investment information or investment under consideration information. For example, the server 20 presents the user with various information (physical details, rights status, operating revenue, operating expenses, etc.) on businesses in which the user is investing or businesses in which the user is considering investing.

In step S612, the terminal device 10 accepts an operation from the user to select at least one business operator indicated in the presented information on investments or information on investments being considered. For example, if the user wishes to know the financial situation if the user invests in some of the businesses under consideration in addition to all of the businesses in which the user is currently investing, the user performs an operation to select all of the businesses in which the user is currently investing and the some of the businesses under consideration for investment.

In step S622, the server 20 performs an analysis process on the financial status of at least one selected business operator based on the information on the investment being made or the information on the investment being considered. For example, the server 20 performs the following analysis process.

(1) Financial Analysis The server 20 performs a financial analysis on at least one business operator selected by the user in which the user is currently investing or is considering investing.

(1-1) Financial Analysis of Each Business Based on detailed information about each business selected by the user in which the user is currently investing or considering investing, the server 20 calculates items such as the market capitalization, ROE (Return on Equity), ROA (Return on Assets), BPS (Book-value Per Share), EPS (Earnings Per Share), PSR (Price Sales Ratio), and PER (Price Earnings Ratio) of each business, and performs a financial analysis of each business.

Furthermore, the server 20 may extract a predetermined number of samples of businesses based on the business information registered by the user as well as the business information accumulated in the business management system 200, and calculate a value for a predetermined position when arranging the values of the predetermined number of samples of businesses in each item (market capitalization, ROE, ROA, BPS, EPS, etc.) based on the magnitude of the values of the predetermined number of samples, such as the first quartile, median, and third quartile, to perform a comparative analysis with each item of each business selected by the user in which the user is making an investment or is considering making an investment. In this way, the server 20 makes it possible to compare each item of the results of the financial analysis of each business selected by the user with a comparative value calculated based on the detailed information of the predetermined number of samples of businesses.

The server 20 may also calculate parameters for evaluating each business operator based on detailed information about each business operator selected by the user in which the user is currently investing or considering investing. For example, the server 20 may comprehensively evaluate the investment status of each business operator based on each calculated item, and calculate an overall income/expense evaluation parameter for each business operator in numerical form.

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

(1-2) Financial Analysis of Multiple Businesses Based on detailed information on multiple business operators selected by the user in which the user is currently investing or considering investing, the server 20 calculates items such as the market capitalization, average value of ROE, ROA, etc., values based on averages such as variance, and values at a specified position when the values are arranged based on the magnitude of the values, such as the first quartile, median, third quartile, etc., when the multiple business operators are combined, and performs financial analysis by combining the multiple business operators.

In addition, the server 20 may extract a predetermined sample number of businesses based on business information of businesses in which other users are investing or considering investing, other than the business information registered by the user, and calculate the first quartile, median, and third quartile of each item (market capitalization, ROE, ROA, BPS, EPS, etc.), and perform comparative analysis with items obtained by combining multiple businesses in which the user is investing or considering investing, selected by the user.

The server 20 may also calculate a parameter for evaluating a combination of multiple businesses selected by the user in which the user is currently investing or considering investing, based on detailed information about the multiple businesses. For example, the server 20 may combine multiple businesses to comprehensively evaluate the investment situation based on each item for the combination of multiple businesses, and calculate a comprehensive income/expense evaluation parameter for the combination of multiple businesses in a numerical format.

This allows financial analysis to be performed for at least one business selected by the user in which the user is currently investing or considering investing, as well as a financial analysis of a combination of multiple businesses. For example, it is possible to perform a financial analysis when investing in a business in which the user is currently investing, as well as a business in which the user is considering investing. This makes it possible to provide information that is useful for business investments.

In addition, server 20 may predict each future item (market capitalization, ROE, ROA, BPS, EPS, etc.) of multiple businesses selected by the user in which the user is currently investing or considering investing, and perform future financial analysis by combining multiple businesses.

(1-3) Extraction of businesses similar to the selected business The server 20 extracts information on businesses similar to the at least one selected business from the investment information or investment consideration information of other users based on a financial analysis of the at least one business selected by the user in which the user is currently investing or in which the user is currently considering investing.

For example, the server 20 extracts information on businesses that are similar to the investment status of a business selected by the user under consideration for investment from the investment information of other users. The server 20 may also calculate each item (market capitalization, ROE, ROA, BPS, EPS, etc.) of similar businesses based on the extracted information on similar businesses, and present it so that it can be compared with the business selected by the user.

This allows business information similar to the business selected by the user to be extracted from the business information stored in the business management system, and provides information that is useful for business investments.

(2) Portfolio Analysis The server 20 presents the results of analysis processing for each business operator in a portfolio selected by the user, which is made up of multiple business operators in which the user is currently investing or considering investing, in a comparative manner. For example, the server 20 identifies and compares multiple items, such as stock price per share, dividend per share, ROE, and ROA, for multiple business operators in which the user is currently investing or considering investing, and displays the analysis results in which the multiple items are associated in one graph. For example, it is displayed as shown in FIG. 11.

As shown in FIG. 11, the server 20 accepts, from the user, the designation of a business in which the user is currently investing and the designation of a business in which the user is currently considering investing, on the display unit 131A. The server 20 displays, on the display unit 132A, parameters that evaluate the goodness of the results of the financial analysis based on the information of the business in which the user is currently investing or is currently considering investing, specified by the user. The server 20 displays, in the graph display unit 133A, a plurality of financial items (six financial items are shown in the illustrated example) in association with each other by arranging each of the financial items adjacent to each other to form a polygonal shape. The server 20 displays, for each financial item, information on the business in which the user is currently investing and the business in which the user is currently considering investing (the "target business" in the illustrated example) so as to be comparable with the values of each financial item of a predetermined number of businesses. In the illustrated example, the first quartile, median, and third quartile values are displayed so as to be comparable with the information of the business specified by the user, as values arranged based on the magnitude of the values of each financial item of a predetermined number of businesses.

In addition, the server 20 extracts specified elements of the information on investments or information on investments being considered, performs a weighting analysis on the specified elements of each business operator, and presents the results of the analysis process in a comparative manner. For example, the server 20 performs a weighting analysis of the investment amount of each of a portfolio of multiple business operators selected by the user that are currently investing or considering investing in, and displays the weight of each of the multiple business operators in the total investment amount in a single graph.

The server 20 may present the results of an analysis process regarding the future investment status of each business operator for a portfolio consisting of multiple business operators in which the user has selected an investment or is considering investing, in a comparative manner.

This allows the analysis results for a portfolio consisting of multiple businesses selected by the user in which they are currently investing or considering investing to be presented in a comparable manner, providing information that is useful for business investments, such as comparing businesses under consideration for investment with businesses in which they are currently investing, or evaluating the investment status of a business portfolio.

In step S623, the server 20 transmits the results of the analysis process to the terminal device 10. For example, the server 20 transmits to the terminal device 10 the results of an investment analysis in the case where the business operator in which the user is currently investing and the business operator under consideration for investment are combined.

In step S613, the terminal device 10 displays the results of the analysis process and presents them to the user. For example, the terminal device 10 displays the results of a financial analysis of a combination of the business operator in which the user is currently investing and the business operator under consideration for investment, which are selected by the user, and presents them to the user.

By carrying out the above series of processes, various analytical processes can be performed on at least one business selected by the user in which the user is currently investing or considering investing, and the results of the analysis can be presented to the user. This makes it possible to provide information that is useful for investing in businesses.

<3 Modification>
In the above example, a financial analysis was performed on a business entity designated by a user using the server 20. However, the server 20 may perform a financial analysis on a business entity that is being carried out or is being considered for execution.

<Summary>
As described above, according to the present disclosure shown in the first embodiment, various analytical processes can be performed on at least one real estate, business operator, or business that the user has selected and is currently holding or considering purchasing, and the results of the analysis can be presented to the user, thereby providing information that is useful for real estate investment.

According to the present disclosure shown in the second embodiment, analysis processing can be performed to provide information that is useful for investment in investment targets such as businesses or enterprises.

<Additional Notes>
The matters explained in the above embodiments will be supplemented below.

The following additional notes will be added to those described in the first embodiment.
(Appendix 1)
An information processing device that provides real estate investment information to a user, the information processing device comprising a control unit (203) and a memory unit (202), wherein the memory unit (202) stores, separately, owned information, which is information on real estate owned by the user, and purchase consideration information, which is information on real estate being considered for purchase, and the control unit (203) performs a real estate information presenting step (S522) of presenting the owned information or the purchase consideration information to the user, a selection receiving step (S512) of receiving an operation from the user to select at least one real estate shown in the presented owned information or purchase consideration information, an analysis step (S523) of performing an analysis process on the management status of the selected at least one real estate based on the owned information or the purchase consideration information, and an analysis result presenting step (S524) of presenting the results of the analysis process.

(Appendix 2)
The information processing device according to claim 1, wherein the memory unit (202) stores information on real estate that the user is considering selling separately from the owned information, the information being considered for sale.

(Appendix 3)
3. The information processing device according to claim 1 or 2, wherein in the analysis step (S523), an income/expense analysis is performed for at least one real estate selected from the ownership information or the information on properties under consideration for purchase.

(Appendix 4)
The information processing device according to claim 3, further comprising: calculating parameters for evaluating the value of at least one piece of real estate selected from the ownership information or the information on the property under consideration for purchase based on an income/expense analysis (S523).

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

(Appendix 6)
3. The information processing device according to claim 1 or 2, wherein in the analysis step (S523), the results of the analysis processing for each of a plurality of properties selected from the owned information or the information under consideration for purchase are presented in a comparative manner.

(Appendix 7)
An information processing device as described in Appendix 6, which extracts specified elements of the ownership information or information under consideration for purchase, performs a weighted analysis on the specified elements of each property, and presents the results of the analysis process in a comparative manner (S523).

(Appendix 8)
3. The information processing device according to claim 1 or 2, wherein in the analysis step (S523), a borrowing status analysis is performed for at least one real estate selected from the owned information or the information on real estate under consideration for purchase.

(Appendix 9)
The information processing device according to claim 8, further comprising: a forecasting unit for forecasting future overall cash flows for a plurality of properties selected by the user based on the results of the income/expense analysis and the borrowing status analysis (S523).

(Appendix 10)
10. An information processing device according to any one of claims 1 to 9, which presents to a financial institution the results of an analysis process for at least one property selected from the ownership information or the information on properties under consideration for purchase.

(Appendix 11)
An information processing device described in any one of appendices 1 to 10, wherein the control unit accepts access from a terminal device of another user offering to provide funds to the user, and matches the user with the other user.

(Appendix 12)
The information processing device described in Appendix 11, wherein, in matching, the control unit accepts input of search conditions from the other user regarding the user's real estate information stored in the memory unit, and responds to the other user's terminal device with the users who satisfy the search conditions.

(Appendix 13)
An information processing device comprising a control unit and a memory unit, which provides real estate investment information to a user, wherein the control unit performs the steps of: presenting real estate information to the user; accepting an operation from the user to select at least one of the presented real estate; performing an analytical process on the management status of the at least one selected real estate; and presenting the results of the analytical process, wherein in the step of performing the analytical process, an income and expenditure analysis is performed on the at least one real estate selected by the user, and in the step of analyzing and presenting each of a plurality of income and expenditure items, the information processing device presents each income and expenditure item of the selected real estate, or each income and expenditure item when a plurality of selected real estate are combined, on the same screen in a form comparable to a comparison value of each income and expenditure item calculated based on real estate information of a predetermined sample number.

(Appendix 14)
The information processing device described in Appendix 13, in which in the presentation step, as a comparison value for each income and expenditure item, at least one of a group consisting of a value based on the average of a predetermined number of samples of real estate information, or a value at a predetermined position when arranged based on the magnitude of the value of each income and expenditure item of the predetermined number of samples of real estate information is presented in a form comparable to the income and expenditure items of the selected real estate.

(Appendix 15)
An information processing device as described in (Appendix 14), wherein in the presentation step, as a comparison value for each income and expenditure item, at least one of a group consisting of the first quartile, median, average, and third quartile of each income and expenditure item calculated based on real estate information of a predetermined sample number is presented in a form comparable with the income and expenditure items of the selected real estate.

(Appendix 16)
A program having a processor and a memory, for providing real estate investment information to a user, the program causing the processor to perform the following steps: presenting real estate information to the user; accepting an operation from the user to select at least one of the presented properties; performing an analytical process on the management status of the at least one selected property; and presenting the results of the analytical process, wherein in the analytical process, an income and expenditure analysis is performed on the at least one property selected by the user, and each of a plurality of income and expenditure items is analyzed and presented on the same screen, in a form comparable to a comparative value of each income and expenditure item calculated based on real estate information of a predetermined sample number.

(Appendix 17)
A method for providing real estate investment information to a user, executed by a computer having a processor and a memory, the method comprising the steps of: the processor presenting real estate information to the user; accepting an operation from the user to select at least one of the presented properties; performing an analytical process on the management status of the at least one selected property; and presenting the results of the analytical process, wherein in the analytical process, an income and expenditure analysis is performed on the at least one property selected by the user, and each of a plurality of income and expenditure items is analyzed and presented on the same screen in a form comparable to a comparative value of each income and expenditure item calculated based on real estate information of a predetermined sample number.

The following is a summary of the points explained in the second embodiment.

(Appendix 2-1)
An information processing device that has a control unit and a memory unit and provides investment information to a user, wherein the control unit performs the steps of presenting to the user information on each business operator or business that is a candidate for investment, accepting an operation from the user to select at least one business operator or business, performing an analytical process on the financial status of the at least one selected business operator or business, and presenting the results of the analytical process, wherein in the analytical process, a financial analysis is performed based on information on the at least one business operator or business selected by the user, and in the step of analyzing and presenting each of a plurality of financial items, each financial item of the selected business operator or business, or each financial item of a combination of the selected multiple business operators or businesses, is associated with each other to form a single graph, and the graph is presented on the same screen in a form that can be compared with comparative values of each financial item of each of a predetermined sample number of businesses or businesses.

(Appendix 2-2)
An information processing device as described in (Appendix 2-1), in which in the presenting step, as a comparison value for each financial item, at least one of a group consisting of a value based on the average of a predetermined number of sample businesses or businesses, or a value at a predetermined position when arranged based on the magnitude of the value of each financial item for each of a predetermined number of sample businesses or businesses is presented in a form comparable to the financial items of the selected business or business.

(Appendix 2-3)
An information processing device as described in (Appendix 2-2), in which in the presenting step, as a comparison value for each financial item, at least one of a group consisting of the first quartile, median, average, and third quartile of each financial item calculated based on information on a predetermined sample number of businesses or projects is presented in a form comparable to the financial items of the selected business or project.

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

(Appendix 2-5)
The information processing device according to any one of (Appendix 2-1) to (Appendix 2-4), wherein the multiple financial items include at least ROE (Return on Equity) and ROA (Return on Assets).

(Appendix 2-6)
The information processing device according to any one of (Appendix 2-1) to (Appendix 2-5), wherein the multiple financial items include at least BPS (Book-value Per Share) and EPS (Earnings Per Share).

(Appendix 2-7)
A program having a processor and a memory, the program being executed by a computer for providing investment information to a user, the program causing the processor to perform the following steps: presenting to the user information on each business operator or business that is a candidate for investment; accepting an operation from the user to select at least one business operator or business; performing an analytical process on the financial status of the at least one selected business operator or business; and presenting the results of the analytical process; in the analytical process, performing a financial analysis based on information on the at least one business operator or business selected by the user, and analyzing and presenting each of a plurality of financial items, the program associates each financial item of the selected business operator or business, or each financial item of a combination of the selected business operators or businesses, to form a single graph, and presents on the same screen in a form that can be compared with comparative values for each financial item of a predetermined sample number of business operators or businesses on the same screen.

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

(Appendix 2-9)
An information processing device is provided that includes a control unit and a storage unit and provides business or business investment information to a user. The control unit performs a selection receiving step of receiving an operation from a user to select at least one business or business shown in the presented invested information or investment under consideration information, an analysis step of performing an analysis process on the financial status of the selected at least one business based on the investment information or investment under consideration information, and an analysis result presentation step of presenting the results of the analysis process. In the presentation step, each financial item of the selected one business or business, or each financial item of a combination of the selected multiple businesses or businesses, is presented on the same screen in a form that can be compared with values at a predetermined first position and a predetermined second position when arranged based on the magnitude of the value of each financial item of the business or business information of a predetermined sample number.

REFERENCE SIGNS LIST 10 terminal device, 20 server, 80 network, 22 communication IF, 23 input/output IF, 25 memory, 26 storage, 29 processor, 201 communication unit, 202 storage unit, 281 user information database, 282 information database, 203 control unit.

Claims (8)

An information processing device that provides investment information to a user, the information processing device comprising: a control unit; and a storage unit,
The control unit is
presenting information on each business or business that is a candidate for investment to the user;
receiving an operation of selecting at least one business operator or business from the user;
performing an analytical process on the financial status of the at least one selected business or business;
presenting the results of the analysis process;
In the step of performing the analysis process, a financial analysis is performed based on information on at least one business operator or business selected by the user, and each of a plurality of financial items is analyzed;
In the step of presenting, each financial item of the selected one business operator or business, or each financial item of a combination of the selected multiple business operators or businesses, is associated with each other to form a single graph, and the graph is presented on the same screen in a form that allows comparison with comparative values of each financial item of each of a predetermined sample number of business operators or businesses;
In the presenting step, an information processing device presents, as a comparison value for each financial item, the value at a predetermined position when the financial items of the specified number of operators or businesses are arranged based on the magnitude of the values of each financial item, in a form comparable to the financial items of the selected operators or businesses . 2. The information processing device according to claim 1, wherein in the presenting step, as the comparative value for each financial item, at least one of a group consisting of the first quartile, median , and third quartile of each financial item calculated based on information of the specified sample number of businesses or enterprises is presented in a form comparable to the financial items of the selected businesses or enterprises. 3. The information processing device according to claim 1, wherein in the presenting step, other businesses or businesses similar to the one business or business selected by the user are extracted and used as the predetermined sample number of businesses or businesses to be compared. Calculating parameters for evaluating the financial status of the plurality of businesses or enterprises when the plurality of businesses or enterprises selected from the information on businesses in which investment has been made or the information on businesses under consideration for investment are combined based on the financial analysis ;
The information processing apparatus according to claim 1 , wherein the calculated parameters are presented in the presenting step . The information processing device according to any one of claims 1 to 4, wherein the plurality of financial items include at least ROE (Return on Equity) and ROA (Return on Assets). The information processing device according to any one of claims 1 to 5, wherein the financial items include at least BPS (Book-value Per Share) and EPS (Earnings Per Share). A program to be executed by a computer having a processor and a memory for providing investment information to a user, the program causing the processor to:
presenting information on each business or business that is a candidate for investment to the user;
receiving an operation of selecting at least one business operator or business from the user;
performing an analytical process on the financial status of the at least one selected business or business;
presenting the results of the analysis process;
In the step of performing the analysis process, a financial analysis is performed based on information on at least one business operator or business selected by the user, and each of a plurality of financial items is analyzed;
In the step of presenting, each financial item of the selected one business operator or business, or each financial item of a combination of the selected multiple business operators or businesses, is associated with each other to form a single graph, and the graph is presented on the same screen in a form that allows comparison with comparative values of each financial item of each of a predetermined sample number of business operators or businesses;
In the presenting step, the program presents, as a comparative value for each financial item, the value at a predetermined position when the financial items of the specified number of operators or businesses are arranged based on the magnitude of the values of each financial item, in a form comparable to the financial items of the selected operators or businesses . A computer-implemented method for providing investment information to a user, the computer-implemented method comprising: a processor; and a memory, the method comprising:
presenting information on each business or business that is a candidate for investment to the user;
receiving an operation of selecting at least one business operator or business from the user;
performing an analytical process on the financial status of the at least one selected business or business;
presenting the results of the analysis process;
In the step of performing the analysis process, a financial analysis is performed based on information on at least one business operator or business selected by the user, and each of a plurality of financial items is analyzed;
In the step of presenting, each financial item of the selected one business operator or business, or each financial item of a combination of the selected multiple business operators or businesses, is associated with each other to form a single graph, and the graph is presented on the same screen in a form that allows comparison with comparative values of each financial item of each of a predetermined sample number of business operators or businesses;
In the presenting step, the method presents, as a comparative value for each financial item, the value at a predetermined position when the financial items of the specified number of operators or businesses are arranged based on the magnitude of the values of each financial item, in a form comparable to the financial items of the selected operators or businesses .