JP2018156295A - Information retrieval device, information retrieval method, and information retrieval program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To perform property retrieval in consideration of property owned by a user.SOLUTION: An information retrieval device includes: a specification unit for specifying outstanding obligation of a user; an estimation unit for estimating price of real estate owned by the user; an acquisition unit for acquiring a loanable amount for the user; and a retrieval unit for retrieving information on the real estate to be proposed to the user based on the outstanding obligation, the price of the real estate, and the loanable amount.SELECTED DRAWING: Figure 6

Description

  The present invention relates to an information search apparatus, an information search method, and an information search program.

  Conventionally, information providing service technology via the Internet is known. As an example of such an information providing service, a service for providing real estate information of real estate that is a transaction target such as sales or rental is known. For example, as a service for providing such real estate information, a technique for searching for a property that can be purchased based on information on own funds and information on a loan amount is known.

JP 2002-49846 A

  However, with the above-described technology, there is a possibility that the user cannot always search for a property that can be purchased.

  For example, the conventional technology only searches for a property that can be purchased based on its own funds and loan amount, so if the user wishes to move, the user's assets such as real estate are considered. Cannot perform property search.

  The present application has been made in view of the above, and an object thereof is to perform a property search in consideration of assets owned by a user.

  An information search apparatus according to the present application acquires a specifying unit that specifies a user's debt balance, an estimation unit that estimates a price of real estate owned by the user, and a loan amount that can be loaned to the user. It has an acquisition part, the said debt balance, the price of the said real estate, and the search part which searches the information regarding the real estate proposed to the said user based on the said loan amount, It is characterized by the above-mentioned.

  According to one aspect of the embodiment, there is an effect that a property search can be performed in consideration of assets owned by the user.

FIG. 1 is a diagram illustrating an example of an information search apparatus according to the embodiment. FIG. 2 is a diagram illustrating an example of a functional configuration of the information search apparatus according to the embodiment. FIG. 3 is a diagram illustrating an example of information registered in the property information database according to the embodiment. FIG. 4 is a diagram illustrating an example of information registered in the user database according to the embodiment. FIG. 5 is a diagram illustrating an example of information registered in the financial management database according to the embodiment. FIG. 6 is a diagram for explaining an example of the price of a property searched by the information search device according to the embodiment. FIG. 7 is a sequence diagram illustrating an example of a flow of processing executed by various apparatuses according to the embodiment. FIG. 8 is a flowchart illustrating an example of a flow of search processing executed by the information search apparatus according to the embodiment. FIG. 9 is a diagram illustrating an example of a hardware configuration.

  Hereinafter, a mode for carrying out an information search device, an information search method, and an information search program according to the present application (hereinafter referred to as “embodiment”) will be described in detail with reference to the drawings. Note that the information search device, the information search method, and the information search program according to the present application are not limited by this embodiment. In the following embodiments, the same portions are denoted by the same reference numerals, and redundant description is omitted.

[1. Information retrieval device]
First, an example of processing executed by the information search apparatus will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of an information search apparatus according to the embodiment. In the example illustrated in FIG. 1, the information search apparatus 100 is an example of a process for managing information (hereinafter referred to as property information) related to a property such as a real estate subject to a sales contract or a rental contract as an example of a transaction target. Was described.

  For example, in the example illustrated in FIG. 1, the information search apparatus 100 is connected to the user terminal 10 used by the user U, the financial management server 200 that provides the financial management service, and the financial server 300 that provides the financial service. Are connected to each other via a predetermined network N (for example, see FIG. 2). For example, in response to a request from the user U, the information search apparatus 100 retrieves property information related to real estate that satisfies the conditions desired by the user U (for example, location conditions, number of rooms, size, age, price, etc.). An information processing apparatus that searches and provides the searched property information, and is realized by, for example, a server apparatus or a cloud system.

  The financial management server 200 is an information processing apparatus that provides a user with a financial management service for performing financial management, and is realized by, for example, a server apparatus or a cloud system. Here, the financial management service refers to various management services related to the user's finance, such as, for example, a deposit history and withdrawal history with respect to a bank account possessed by the user, a card payment history, cash payment, and debt status. For more specific examples, financial management services provide monthly salaries, payment plans for card payments and monthly installments, balances of various debts such as mortgages, payment history with electronic money, payment history with cash, household account book Various financial management services such as functions are provided. Such a financial management service is provided from the financial management server 200 via the user terminal 10 of the user U, for example.

  The financial management service provided by the financial management server 200 may be provided by an arbitrary provider. Moreover, as long as the content of the financial management service is a thing which can acquire a user's salary and a debt balance, arbitrary services are applicable.

  The financial server 300 is an information processing apparatus that provides various financial services to users, and is realized by, for example, a server apparatus or a cloud system. For example, the financial server 300 is a server device used by network banking and various banks for settlement via a network. For example, the financial server 300 manages a user's account, and according to an operation from the user U via the network N, a deposit amount, a deposit history, a withdrawal history, a debt balance notification, or various transfers And so on.

  In addition, when the financial server 300 receives an application for a mortgage from the user U, the salary of the user U, the deposit and savings balance, the debt balance, various assets owned by the user U (for example, real estate, vehicles, etc.) It has a function of calculating a loan amount that can be loaned to the user U based on various conditions such as the contents of the assets that can be collateral, the credit score of the user U, the demographic attribute and the psychographic attribute of the user.

  The user terminal 10 is a terminal device used by the user, and is realized by a mobile terminal device such as a PC (Personal Computer) or a smart device.

  In the example illustrated in FIG. 1, an example in which one financial management server 200 and one financial server 300 cooperate with the information search apparatus 100 has been described, but the embodiment is not limited thereto. For example, the information search apparatus 100 may be communicable with a plurality of financial management servers 200 that manage the finance of the user U, and may be communicable with a plurality of financial servers 300 that manage the accounts of the user U. Also good. In such a case, the information search apparatus 100 uses information related to the finance of the user U managed by the plurality of financial management servers 200 in an integrated manner, and uses information related to the account of the user U managed by the plurality of financial servers 300. The following information search process may be executed by using them in an integrated manner. Further, the information search apparatus 100 may be able to communicate with a plurality of user terminals 10.

[1-1. Processing performed by information retrieval device]
Here, various financial related services are provided to the user U through the network by the advancement of financial related technology called so-called fintech. By linking such financial-related services and property information management services, for example, properties that users can purchase using the total amount of deposits and savings of users and the amount that can be financed to users Techniques for searching are known.

  However, with such a technique, it may not be said that a user can appropriately search for a property that can be purchased. For example, when the user U owns a property such as a condominium or a detached house, it is considered that purchase funds for a new property can be obtained by selling these properties.

  Therefore, the information search apparatus 100 executes the following search process. First, the information search device 100 specifies the debt balance of the user U and estimates the price of the property owned by the user U. Further, the information search apparatus 100 acquires a loan amount that can be loaned to the user U. And the information search device 100 searches the property information proposed to the user U based on the debt balance, the property price, and the loan amount.

  For example, the information retrieval apparatus 100 obtains the user U's debt balance, deposit balance, and user U's income through a service for performing financial management of the user U, that is, a financial management service provided by the financial management server 200. Get the information shown. For example, the financial management server 200 acquires a debt balance managed by a creditor who has loaned a user U such as a bank from a server device used by the creditor, for example, the financial server 300. Moreover, the financial management server 200 acquires the amount of salary deposit and the deposit and saving balance for the account of the user U, and estimates the annual income of the user U from the acquired amount of salary. At this time, the financial management server 200 may estimate the annual income of the take from the actual deposit amount, or may estimate the annual income on the face value calculated by calculating back the tax or the like. Then, the information search apparatus 100 acquires the debt balance, the deposit and saving balance, and the annual income amount acquired by the financial management server 200.

  Further, when the user U owns the property, the information search device 100 estimates the price when the property is sold as the property price. For example, the information search apparatus 100 has a function to provide property advertisements such as a property search site, and also sells information related to various properties such as the location, floor plan, size, age, and presence / absence of remodeling of each property and the sale of the property. The relationship with the price is learned by a predetermined learning model. And the information search apparatus 100 estimates the price of the property which the user U has based on the various information regarding the property which the user U has using a learning model. In addition, about the technique in which the information search apparatus 100 estimates the price of a property, arbitrary and well-known price prediction techniques are applicable, and the following description is abbreviate | omitted.

  Further, for example, the information search apparatus 100 transmits various conditions necessary for financing to the financial server 300 and acquires a loan amount that can be newly financed to the user U. That is, the information search apparatus 100 acquires a loanable amount through a service for financing the user U. For example, the information search device 100 acquires the user U's age, sex, address, work history, possessed qualification, and the like from the user U as user information. Note that the information search apparatus 100 is a credit used to determine whether or not to provide demographic attributes and psychographic attributes estimated from the user U's behavior history, search query history, electronic commerce history, and various financial services. A score or the like is acquired, and the acquired various information may be used as user information.

  Then, the information search apparatus 100 transmits the user information of the user U, the estimated property price of the user U, the deposit and saving balance, the debt balance, and the annual income to the financial server 300. As a result, the information retrieval apparatus 100 acquires the loanable amount determined by the financial institution using the financial server 300 based on the user information of the user U, the property price, the deposit and saving balance, the debt balance, and the annual income. .

  Note that the information search apparatus 100 collects information other than the above-described user information, property price, and debt balance in order for the financial institution to determine the loanable amount, and collects the information to the financial server 300. You may be notified. For example, the information search apparatus 100 may request the user U to register information desired by the financial institution, and may acquire the information from various external servers. For example, the information search device 100 calculates the amount obtained by subtracting the debt balance from the estimated property price and a predetermined fee associated with the sale of the property (hereinafter referred to as “relocation funds”) and the deposit and saving balance from the financial server. The loan amount determined by the financial institution in consideration of the amount of funds for relocation and the balance of deposits and savings may be acquired. In addition, the information search apparatus 100 may acquire information about the property such as the location, floor plan, age of property, etc. of the property possessed by the user U to the financial server 300 and acquire the loan amount. Moreover, the information search apparatus 100 does not need to transmit such information, when information which is not used when the financial institution determines the loan amount is included in the information described above.

  As a result of such processing, the information search apparatus 100 can acquire the property price, deposit balance, debt balance, and loanable amount of the user U. Based on such information, the information search apparatus 100 searches for a property that the user U can newly purchase. For example, assuming that the property price of user U is “E yen”, the estimated fee when selling the property price is “y yen”, and the debt balance is “z yen”, when user U sells the property Surplus funds, that is, the relocation fund amount “x” is “E− (y + z) yen”. Also, assuming that the balance of deposits and savings of user U is “Z yen” and the loanable amount is “X yen”, the repurchasable property, that is, the purchaseable amount “B” that is the price of the property that can be newly purchased is “X + Z + x circle”.

  Therefore, the information search apparatus 100 searches for a real estate advertisement of a property whose price is “B” or less for a property that can be newly purchased by the user U among properties to be searched, that is, a property in which a real estate advertisement is registered. Search for. More specifically, the information search apparatus 100 searches for a real estate advertisement for a property that satisfies a desired condition registered in advance by the user U and has a price of “B” yen or less. Then, the information search apparatus 100 provides the searched real estate advertisement to the user U. That is, the information search device 10 provides a real estate advertisement to the user U as information related to the real estate to be traded (that is, real estate information).

  In this way, the information search apparatus 100 estimates the property price of the user U and works with a financial management service that manages the finance of the user U, and makes a loan based on the debt balance of the user U, a deposit savings balance, and the like. Since the possible amount is acquired and the property is searched in consideration of the property price, the debt balance and the deposit and savings balance, for example, the property that can be purchased by the user can be accurately searched. Further, the information search apparatus 100 only accepts registration of property information owned by the user U and information for linking with the financial management service (for example, the account and password of the user U in the financial management service). Since the above-described search process can be realized, proposal for relocation by selling the property and obtaining a loan without requiring the user U to input various information such as the balance of savings and the annual income of the user U. Can do.

  In general, it is considered that the loanable amount varies depending on not only the annual income of the user U but also the assets of the user U, that is, the price of the property owned by the user U. In many cases, the price of tower condominiums, etc., associated with district development will be higher than when purchased. Thus, a higher loan amount may be permitted for a user who has purchased a property whose price increases. Even in such a case, the information search apparatus 100 transmits the estimated price of the property owned by the user U and various information related to the property to the financial server 300 each time, and based on the assets of the user U Obtain the determined loanable amount. For this reason, for example, when the information search apparatus 100 can be purchased by selling a property that is currently owned, or when it can be purchased with a loan amount that exceeds the assumption of the user U, from the aspect of funds Since the information about the property that the user U has unexpectedly excluded from the search target can be included in the search target, more real estate advertisements can be provided to the user U.

[1-2. Example of search process)
Next, an example of search processing executed by the information search apparatus 100 will be described with reference to FIG. For example, prior to the execution of the search process, the user U registers various user information for receiving the financial management service in the financial management service (step S1). For example, the user U registers various user information, bank account numbers, various information for cooperation with financial institutions such as banks. In such a case, the financial management server 200 acquires the financial information of the user U by cooperating with the financial service provided by the financial server 300 (step S2). For example, the financial management server 200 acquires a deposit and saving balance, a deposit history, a withdrawal history, and the like. Then, the financial management server 200 provides various financial management services to the user U (step S3). For example, the financial management server 200 manages the history of deposits and withdrawals, the balance of deposits and savings, and the balance of debts.

  Here, when the user U receives the service provided by the information search apparatus 100, that is, the real estate advertisement search service, the user U searches for property information such as the floor plan and age of the property owned by the user U. While registering in the apparatus 100, condition information such as a floor plan and a price desired by the user U is registered (step S4). In such a case, the information search apparatus 100 estimates the property price that the user U has using a predetermined learning model (step S5).

  Further, the information search device 100 requests the financial information of the user U from the financial management server 200 (step S6). As a result, the information search apparatus 100 acquires information related to various finances of the user U, such as the deposit savings balance of the user U, the income of the user U, and the debt balance, from the financial management server 200 (step S7). In such a case, the information search device 100 calculates the relocation fund amount (step S8). Then, the information search device 100 provides the financial server 300 with financial information such as the user information of the user U, the amount of funds for relocation, and the amount of income (step S9). As a result of such processing, the financial server 300 notifies the information retrieval apparatus 100 of the loan amount determined by the financial institution based on the user information, the relocation fund amount, the income amount, and the like (step S10).

  Then, the information search apparatus 100 searches for a property that can be relocated based on the amount of funds for relocation, the amount of loan, and the balance of deposits and savings (step S11). For example, the information search apparatus 100 searches for a real estate advertisement for a property whose selling price is less than or equal to the total amount of the relocation fund amount, the loan amount, and the deposit and saving balance. And the information search device 100 can provide the real estate advertisement of the property which the user U can relocate by delivering the searched real estate advertisement to the user terminal 10 of the user U (step S12).

[1-3. (About fees)
Here, the information search apparatus 100 may obtain a predetermined reward by introducing the user U to various financial institutions that operate financial services. For example, the information search device 100 acquires the loanable amount determined by the financial institution using the financial server 300 by transmitting the user information of the user U to the financial server 300, and the acquired loanable amount is obtained. Provide to user U. And the information retrieval apparatus 100 asks the financial institution using the financial server 300 for a loan, and the user U who provided the loanable amount actually receives the loan from the financial institution using the financial server 300. The user U may receive a reward for the introduction. Such a reward may be realized, for example, by various settlement servers not shown.

  Further, the information search apparatus 100 provides a so-called real estate advertisement to the user U. And the information retrieval apparatus 100 may set the fee for purchase, when the user U purchases the property which provided the real estate advertisement. That is, the information search apparatus 100 may set various fees associated with property purchases and loans.

[1-4. (Search variations)
Here, when searching for a real estate advertisement, the information search apparatus 100 may execute an arbitrary search process together. For example, depending on the balance of deposits and savings of the user U, annual income, etc., there are cases where a loan cannot be obtained or a loan amount cannot be obtained as expected. Therefore, when the loan amount is lower than the predetermined threshold, the information search device 100 searches for information on the property that satisfies the condition set by the user U without considering the debt balance, the property price, and the loan amount. May be.

  Further, the real estate advertisement to be searched includes not only the real estate advertisement of the property to be bought and sold but also the real estate advertisement of the property to be rented. Therefore, when the loan amount is lower than a predetermined threshold, the information search device 100 may search for information on the property to be leased. That is, the information search apparatus 100 provides a real estate advertisement related to buying and selling when the loan amount is higher than a predetermined threshold value, and provides a real estate advertisement to be leased when the loan amount is lower than the predetermined threshold value. May be.

  Moreover, the information search device 100 may provide the user U with various conditions related to the mortgage together with the search result. For example, the information search apparatus 100 receives various conditions (for example, setting of collateral, setting of joint guarantor, etc.) when lending to the user U together with the loanable amount from the financial server 300. In such a case, the information search apparatus 100 searches for real estate advertisements in consideration of the loanable amount, and when browsing the real estate advertisement as a search result, displays various loanable amounts along with the display of the loanable amount. The condition may be presented to the user U.

  Further, since the property price and the debt balance fluctuate depending on the time, it is considered that the property to be searched changes. Therefore, the information search apparatus 100 periodically estimates a new property price, specifies a new debt balance, acquires a new loanable amount, and creates a new property based on the new property price and the loanable amount. Information retrieval may be performed. In other words, the information search apparatus 100 periodically reestimates the property price, reacquires the debt balance, and acquires the loanable amount again, thereby searching for the property that can be relocated by the user U at present. May be performed.

  Such real estate advertisement provision may be provided as, for example, a real estate advertisement search service provided by the information search apparatus 100, or may be provided as one of the financial management services provided by the financial management server 200. Good. For example, the information search apparatus 100 notifies the financial management server 200 of the searched real estate advertisement. In such a case, the financial management server 200 provides the user U with the notified real estate advertisement when providing the financial management service to the user U, and the monthly amount when the loanable amount and relocation are performed. The repayment amount, the price when the property is sold, etc. may be provided to the user U together.

[1-5. About users)
Here, the information search apparatus 100 may perform a search in consideration of the purchase property price set by the user U. For example, the information search apparatus 100 has a purchase property price set in advance by the user U as the minimum amount, and within a range where the total amount of the deposit savings balance of the user U and the loanable amount is included in the relocation funds as the maximum amount. You may search the property information of the property which can be purchased.

  In addition, when another user whose various attributes are similar to the user U receives a loan as a result of the search process and performs a relocation, the information search apparatus 100 provides information on the relocation to the user U. May be provided. That is, the information search apparatus 100, when another user having an attribute similar to that of the user U purchases a property provided with a real estate advertisement, informs the user U of information related to the purchase of the property by the other user. May be provided.

  For example, the information search device 100 identifies another user (hereinafter referred to as “similar user”) whose demographic attributes are similar to those of the user U, and the similar user performs real estate advertisement through the above search process. It is determined whether or not the property is sold or financed when purchasing the provided property. The information search apparatus 100 sells the property owned by a similar user and purchases a new property by receiving a new loan. The price of the purchased property or the like may be provided to the user U together with the real estate advertisement as relocation example information. In addition, the information search apparatus 100 may provide the user U with the impressions of similar users accompanying the change of residence.

  In addition, for example, a case where a family member who individually receives financial management services lives in the same property may be considered. In addition, for example, there are cases in which a married couple or the like can receive a loan individually. Therefore, the information search apparatus 100 may execute a search process that takes into account the debt balance and deposit / saving balance of a user associated in advance such as a user or a family living in the same property.

  For example, the information search device 100 specifies the total amount of the debt balance possessed by a plurality of users associated in advance, such as users and families living in the same property. Moreover, the information search device 100 estimates the price of the property owned by a plurality of associated users. In addition, the information search apparatus 100 acquires a loan amount that can be loaned to a plurality of associated users. For example, the information search apparatus 100 may acquire the total loanable amount for all of the associated users from the income of each user, and the representative user (for example, the income amount is the highest). Loan available amount may be acquired for a large number of users and users set as householders. Then, the information search apparatus 100 may search for a real estate advertisement for a property proposed to a plurality of associated users based on the total amount of the debt balance, the price of the property, and the loanable amount. By such processing, the information search apparatus 100 can realize a search for a property in consideration of the overall financial status of a family or the like.

[1-6. About other recommendations)
Note that the information search apparatus 100 may have a function of providing information other than real estate. For example, the information search apparatus 100 may search for information on a transaction target proposed to the user based on the estimated property price and various attribute information of the user. For example, it is predicted that among users U, there are users who have investment real estate in addition to residential properties. Therefore, when the user U has a plurality of properties, the information search apparatus 100 is based on the demographic attribute of the user U, and a transaction target (for example, a vehicle, furniture, etc.) that is estimated to be of interest to the user U. , Financial products, etc.) and the price of any property. Then, the information search apparatus 100 may provide the user U with transaction target information that can be acquired at the estimated price.

  Further, the information search apparatus 100 may acquire a loanable amount that can be financed with the property possessed by the user U as collateral, and provide the user U with information on a transaction target that can be obtained with the acquired loanable amount. . Further, when the information retrieval apparatus 100 can identify the property owned by the user U for investment, the estimated price of the property owned by the user U for investment, the price at the time of purchase of the property owned for investment, Taking into account the rent of investment property acquired through financial management services, new loanable amount, etc., search for real estate advertisements for new investment properties and provide the search results to user U as well as investment The user U may be proposed to replace the real estate for purchase.

[2. Functional configuration of information retrieval device]
Next, an example of a functional configuration of the information search apparatus 100 will be described with reference to FIG. FIG. 2 is a diagram illustrating an example of a functional configuration of the information search apparatus according to the embodiment. In the example illustrated in FIG. 2, the information search device 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

  The communication unit 110 is realized by, for example, a NIC (Network Interface Card). The communication unit 110 is connected to the network N by wire or wireless, and transmits / receives information to / from the user terminal 10, the financial management server 200, and the financial server 300.

  The storage unit 120 is realized by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 120 also stores a property information database 121, a user database 122, and a financial management database 123.

  Hereinafter, an example of information registered in each of the databases 121 to 123 stored in the storage unit 120 will be described with reference to FIGS. In the example illustrated in FIGS. 3 to 5, unregistered information is indicated by “null”.

  First, an example of information registered in the property information database 121 stored in the storage unit 120 will be described with reference to FIG. FIG. 3 is a diagram illustrating an example of information registered in the property information database according to the embodiment. In the example shown in FIG. 3, in the property information database 121, property ID, property information, posting period, notice posting flag, and regular posting flag are registered in association with each other. Further, the property information database 121 includes property information ID, name, address, room number, floor plan, size, price, which is an identifier for identifying the property information of the property indicated by the associated property ID, as the property information. Etc. are registered. Further, the posting period is information indicating a period during which the associated property information is posted as a real estate advertisement.

  The advance notice flag is information indicating whether or not the associated property information is in the advance notice state. Further, the actual posting flag is information indicating whether or not the associated property information is in the actual posting state. That is, the notice posting flag and the main posting flag are flag information indicating whether or not the property indicated by the associated property ID is exhibited as a transaction target.

  For example, in the property information database 121, when the value of the notice posting flag is “0”, the associated property information is not listed as a transaction object, the value of the notice posting flag is “1”, and the book information When the value of the posting flag is “0”, the associated property information is in the notice posting state, and when the value of this posting flag is “1”, the associated property information is in the actual posting state. It shows that it is.

  For example, in the example illustrated in FIG. 3, the property information database 121 indicates that the property information of the property indicated by the property ID “Property #A” is property information indicated by “Property Information #A”. Specifically, in the property information database 121, the property name indicated by the property ID “Property #A” is “Mansion #A”, the address is “Address #A”, and the room number is “101”. Indicate. Further, in the property information database 121, the floor plan of the property indicated by the property ID “Property #A” is “2DK (2 rooms, Dining room And Kitchen)”, the area is “60 square meters”, and the price is “3000”. It indicates that it is “10,000 yen”. Further, the property information database 121 indicates that real estate advertisements including property information indicated by “Property information #A” are posted up to “2015/12/31”.

  Further, the property information database 121 indicates that the property information indicated by “Property information #A” is in the current posting state. On the other hand, the property information database 121 indicates that the property information indicated by “Property information #C” is in a notice posting state. In addition, the property information database 121 indicates that the property information indicated by “Property information #B” is in a state that is neither a notice posting state nor a main posting state, that is, a state where it is not presented as a real estate advertisement.

  Next, an example of information registered in the user database 122 stored in the storage unit 120 will be described with reference to FIG. FIG. 4 is a diagram illustrating an example of information registered in the user database according to the embodiment. As shown in FIG. 4, the user database 122 includes “user ID”, “user information”, “attribute information”, “owned property”, “estimated price”, “financial information”, “relocation request”. ”,“ Desired conditions ”,“ financing available amount ”,“ consolidated information ”and the like are registered.

  “User ID” is an identifier for identifying a user. “User information” is various information related to the user, such as the name, age, and sex of the user indicated by the associated “user ID”. The “attribute information” is various attributes such as a demographic attribute and a psychographic attribute of the user indicated by the associated “user ID”. “Owned property” is the property ID of the real estate owned by the user indicated by the associated “user ID”. The “estimated price” is an estimated price of the real estate indicated by the associated property ID. “Financial information” refers to various types of financial information managed by the financial management service for the user indicated by the associated “user ID”, such as deposit and saving balance, debt balance, income, and the like.

  “Relocation request” is information indicating whether or not the user indicated by the associated “user ID” desires to change. The “desired condition” is information on a new property desired by the user indicated by the associated “user ID” (for example, floor plan, size, etc.). The “financing available amount” is an amount that can be financed by the financial institution to the user indicated by the associated “user ID”, that is, an available amount. “Linked information” is a user ID of a user associated with the user indicated by the associated “user ID”, and is, for example, a user ID of a family, a partner, or the like.

  For example, in the example illustrated in FIG. 4, the user database 122 includes a user ID “user #A”, user information “user information #A”, attribute information “attribute information #A”, and owned property “property”. #B ”, estimated price“ estimated price #B ”, financial information“ financial information #A ”, relocation request“ present ”, desired condition“ desired condition #A ”,“ financing available amount #A ”consolidated information“ null ” Are registered in association with each other. In such information, the user information indicated by the user ID “user #A” is the user information “user information #A”, and the user attribute is the attribute information “attribute information #A”. Indicate. In addition, such information includes the property indicated by the property “Property #B” owned by the user indicated by the user ID “User #A”, and the estimated price of the property is the estimated price “estimated price #B”. ". In addition, such information is the property that the user's financial information indicated by the user ID “user #A” is the financial information “financial information #A”, and the user wants to change his / her house and wants to move. Indicates that the desired condition is “desired condition #A” and the available loan amount is “available loan amount #A”.

  In the example shown in FIG. 4, “User #A”, “User Information #A”, “Attribute Information #A”, “Property #B”, “Estimated Price #B”, “Financial Information #A” However, in reality, the user database 122 includes a character string that identifies the user, a character string that indicates the user's gender, name, and the like. A character string indicating the various attributes of the person, a character string identifying the property, a numerical value indicating the estimated price, a character string indicating the desired condition, and the like are registered.

  Next, an example of information registered in the financial management database 123 stored in the storage unit 120 will be described with reference to FIG. FIG. 5 is a diagram illustrating an example of information registered in the financial management database according to the embodiment. As shown in FIG. 5, information having items such as “user ID”, “financial management service ID”, and “financial management information” is registered in the financial management database 123.

  Here, the “financial management service ID” is information for identifying the financial management service used by the user indicated by the associated “user ID”. “Financial management information” refers to a user ID or password used when the user indicated by the associated “user ID” receives the financial management service indicated by the associated “financial management service ID”. Information. For example, in the example illustrated in FIG. 5, the user ID “user #A”, the financial management service ID “service #A”, and the financial management information “financial management information #A” are associated with the financial management database 123. Registered.

  Such information is obtained when the user indicated by the user ID “user #A” uses the financial management service indicated by the financial management service ID “service #A” and uses the financial management service. It indicates that the ID and password are financial management information “financial management information #A”. In the example illustrated in FIG. 4, conceptual values such as “service #A”, “financial management information #A”, and the like are described, but actually, the financial management database 123 identifies the financial management service. Character strings to be used, user IDs, passwords, and the like are registered.

  Returning to FIG. 2, the description will be continued. The control unit 130 is a controller, and for example, various programs stored in a storage device inside the information search apparatus 100 are stored in a RAM or the like by a processor such as a CPU (Central Processing Unit) or an MPU (Micro Processing Unit). Is implemented as a work area. The control unit 130 is a controller, and may be realized by an integrated circuit such as an application specific integrated circuit (ASIC) or a field programmable gate array (FPGA). In the example illustrated in FIG. 2, the control unit 130 includes a property information management unit 131, a reception unit 132, a specification unit 133, an estimation unit 134, an acquisition unit 135, a search unit 136, a provision unit 137, and a setting unit 138.

  The property information management unit 131 manages property information. For example, the property information management unit 131 collects property information managed by various management servers (not shown) that manage property information. Further, the property information management unit 131 integrates and combines property information for each property, and generates property information to be registered in the property information database 121. Then, the property information management unit 131 registers the property information generated for each property in the property information database 121.

  Moreover, the property information management part 131 receives the owner registration of the user U, for example. For example, the property information management unit 131 accepts, as a search query, information such as the name, address, and room number of the property that the user U has rights from the user terminal 10 used by the user U. In such a case, the property information management unit 131 searches the property information database 121 for property information corresponding to the accepted search query.

  Here, if the property information corresponding to the accepted search query is registered in the property information database 121, the property information management unit 131 reads the property information corresponding to the accepted search query from the property information database 121. Then, the property information management unit 131 generates a web page for browsing the read property information, and transmits the generated web page to the user terminal 10. When the property information management unit 131 receives a notification of the property right from the user U who has the property right, that is, the owner registration request, the property information of the property to which the user U has the property. And linking with the user U. For example, the property information management unit 131 registers the user ID of the user U and the property ID in the user database 122 in association with each other.

  The accepting unit 132 accepts various types of information regarding relocation from the user U. For example, the reception unit 132 cooperates with whether or not he / she wishes to change his / her home, desired conditions for the real estate (that is, the property) to be changed to, the financial management service used by the user U, and the financial management service of the user U. Accept registration of various information such as financial management information for In such a case, the receiving unit 132 registers the received various information in the user database 122 and the financial management database 123 in association with each other.

  The specifying unit 133 specifies the debt balance of the user U. For example, the specifying unit 133 receives information indicating the debt balance of the user U via the financial management service that performs financial management of the user U, that is, the debt balance of the user U managed by various financial services as creditors. Get information indicating Further, the specifying unit 133 further acquires at least one of the deposit and saving or the income of the user U via a financial management service that performs financial management of the user U.

  For example, the specifying unit 133 refers to the financial management database 123 and acquires a financial management service used by the user U and financial management information for cooperation. And the specific | specification part 133 transmits financial management information with respect to the financial management server 200 which provides financial management service with respect to the user U, Various financials, such as a user's U debt balance, a deposit and savings balance, an income, etc. Information is acquired, and the acquired financial information is registered in the user database 122 in association with the user U.

  The estimation unit 134 estimates the price of the property owned by the user U. For example, the estimation unit 134 refers to the property information database 121 and generates a learning model in which the relationship between various property information such as the layout, size, and position of each property and the price at the time of sale is learned. . In addition, the estimation unit 134 refers to the user database 122 and identifies the user U whose relocation desire is “Yes”. And the estimation part 134 estimates the selling price of the possessed property which the specified user U owns using a learning model, and registers the estimated selling price in the user database 122 as an estimated price.

  The acquisition unit 135 acquires a loan amount that can be loaned to the user U. Specifically, the acquisition unit 135 acquires a loan amount that can be loaned to the user U via a service for financing the user U, that is, a financial service. For example, the acquisition unit 135 refers to the user database 122, identifies the user U whose relocation desire is “Yes”, and associates the user information, attribute information, and possessed property with the identified user U. Get estimated prices, and financial information. Then, the acquisition unit 135 transmits the acquired various types of information to the financial server 300, and acquires from the financial server 300 a loanable amount that can be lent to the user U. That is, the acquisition unit 135 acquires a loanable amount for the user U based on the estimated price of the estimated property and the debt balance of the user U. Then, the acquiring unit 135 registers the acquired loanable amount in the user database 122 in association with the user U.

  Note that the acquisition unit 135 may acquire the loanable amount by transmitting at least one of the savings and income of the user U to the financial server 300. In addition, the acquisition unit 135 calculates, for example, an amount obtained by subtracting the debt balance and a predetermined fee associated with the sale of the property from the estimated price of the property, that is, the amount of the relocation fund, The amount that can be lent may be acquired by transmitting the sum total of the deposit savings balance of the user U to the financial server 300. In other words, the acquisition unit 135 provides arbitrary information to the financial server 300 as long as it provides various types of information used when a financial institution that provides a financial service determines a loanable amount that can be lent to the user U. To obtain a loanable amount for the user U.

  The search unit 136 searches for information on the property to be proposed to the user U based on the debt balance, the estimated price of the property, and the loanable amount. More specifically, the search unit 136 has information on properties that can be purchased by adding the balance of deposits and savings of the user U to the amount obtained by subtracting the debt balance and a predetermined fee from the estimated price of the property. Search for.

  For example, FIG. 6 is a diagram for explaining an example of the price of a property searched by the information search device according to the embodiment. For example, the search unit 136 refers to the user database 122 and collects the estimated price, financial information, and loanable amount associated with the user ID of the user U. Here, the financial information registered in the user database 122 includes the debt balance and the deposit and saving balance of the user U acquired through the financial management service.

  In such a case, the search unit 136 subtracts “y yen” as the estimated fee when selling the property price from the estimated price “E yen” and “z yen” as the debt balance acquired through the financial management service. Thus, the relocation fund amount “x” is calculated. Then, the search unit 136 purchases the total amount of the relocation funds “x yen” and the deposit savings balance “Z yen” and the loanable amount “X” yen of the user U acquired through the financial management service. Calculated as “B yen”. Then, the search unit 136 searches for a property that is equal to or less than the calculated purchaseable amount “B yen” among the properties registered in the property information database 121 and satisfies the desired condition registered by the user U.

  Note that when the loanable amount is lower than the predetermined threshold, the search unit 136 searches for information related to the property that satisfies the condition set by the user U regardless of the debt balance, the estimated price, and the loanable amount. May be. In addition, when the loanable amount is lower than a predetermined threshold, the search unit 136 acquires information on a property to be leased managed by an external server or the like, and the user U requests from the acquired information. You may search the information of the property which satisfies.

  Further, for example, the specifying unit 133, the estimation unit 134, the acquisition unit 135, and the search unit 136 repeatedly provide the latest information to the user U by repeatedly performing the above-described processing at predetermined time intervals. Also good. That is, the search unit 136 may search for property information anew each time the latest debt balance, estimated price, and loanable amount are obtained.

  Returning to FIG. 2, the description will be continued. The providing unit 137 provides information related to the searched property, that is, a real estate advertisement to the user U. For example, the providing unit 137 provides the user U with the real estate advertisement of the property searched by the searching unit 136 and information regarding the loanable amount when the property is purchased. More specifically, when the financial institution sets conditions for financing the user U, the providing unit 137 provides the contents of the conditions and the real estate advertisement to the user U. .

  The providing unit 137, when another user who has similar attributes to the user U purchases a property for which information has been provided to another user, provides information related to the purchase of the property by the other user. May be provided to the user U. For example, the providing unit 137 provides information on properties purchased by other users, the amount that other users have received loans from financial institutions, self-funded funds used for purchase (for example, deposits and savings balance), etc. along with real estate advertisements. May be.

  Further, the providing unit 137 may provide the user U with the searched real estate advertisement to the user U via the financial management service by notifying the financial management service. For example, the providing unit 137 transmits the real estate advertisement of the property searched by the searching unit 136 to the financial management server 200. As a result, for example, the financial management server 200 publishes the real estate advertisement provided from the information search device 100 on a My Page or the like on which various information related to the user U is provided, so that the real estate through the financial management service is displayed. Recommendations can be realized.

  The setting unit 138 sets a predetermined reward that is imposed on a financial service provider when the user U receives a loan from a financial service that provides the user U with a loan. For example, when the user U purchases the property searched in consideration of the relocation funds and the loanable amount acquired from the financial server 300, the setting unit 138 receives the user U from the financial institution operating the financial server 300. When a loan is actually received, a predetermined fee is set for the financial institution as an introduction fee for the user U.

  Note that the specification unit 133, the estimation unit 134, the acquisition unit 135, and the search unit 136 may perform a search process for a plurality of users associated in advance such as family members and partners. For example, the specifying unit 133 refers to the user database 122 and specifies another user associated with the user U from the linked information associated with the user ID of the user U. And the specific | specification part 133 specifies the total amount of the debt balance which the other user linked | related with the user U and the user U has. In addition, the estimation unit 134 estimates the price of a property owned by a plurality of associated users. For example, the estimation unit 134 identifies a property owned by the user U and other users associated with the user U, and calculates an estimated price of the identified property.

  The acquisition unit 135 acquires a loan amount that can be loaned to the user U and other users associated with the user U. For example, the acquisition unit 135 acquires a loanable amount for the user U and a loanable amount for other users associated with the user U, and calculates the total of the acquired loanable amount. And the search part 136 is related with the property proposed to the user U and the other user linked | related with the user U based on the total amount of a debt balance, the estimated price of a property, and the sum total of the loan possible amount. Information may be searched.

[3. (Flow of processing executed by each device)
Next, an example of the flow of processing executed by the user terminal 10, the information search device 100, the financial management server 200, and the financial server 300 will be described with reference to FIG. FIG. 7 is a sequence diagram illustrating an example of a flow of processing executed by various apparatuses according to the embodiment. For example, the user terminal 10 registers various user information for receiving the financial management service with respect to the financial management server 200 (step S10). In such a case, the financial management server 200 requests the financial server 300 for cooperation in order to acquire the financial information of the user U (step S11), and starts cooperation with the financial server 300 (step S12). . Then, the financial management server 200 starts providing a financial management service (step S13).

  Here, the information search apparatus 100 accepts registration of user information, condition information, and property owned from the user terminal 10 (step S14). In such a case, the information search device 100 estimates the price of the property owned by the user U (step S15). Further, the information search device 100 requests the financial management server 200 for the debt balance and savings balance of the user U (step S16), and acquires the debt balance and savings balance of the user U (step S17).

  Then, the information search apparatus 100 notifies the financial server 300 of the information on the property possessed by the user U, the amount of funds for relocation, the balance of deposits and savings (step S18), and acquires the loanable amount (step S19). In addition, the information search apparatus 100 calculates a sum of the refinancing amount and the sum of the loanable amount and the deposit and saving balance as a purchaseable amount (step S20), and performs a property search based on the purchaseable amount (step S21). Then, the information search device 100 provides the search result to the user terminal 10 (step S22) and ends the process.

[4. (Search process flow)
Next, an example of the flow of search processing executed by the information search device 100 will be described with reference to FIG. FIG. 8 is a flowchart illustrating an example of a flow of search processing executed by the information search apparatus according to the embodiment. For example, the information search device 100 acquires condition information, user information, and owned properties from the user U (step S101). In such a case, the information search device 100 estimates the price of the property held by the user U (step S102).

  Subsequently, the information search apparatus 100 specifies the debt balance and the deposit and saving balance via the financial management service (step S103). Further, the information search apparatus 100 acquires a loanable amount through the financial service (step S104). Then, the information search device 100 calculates a purchaseable amount based on the property price, debt balance, loan amount, deposit and saving balance, and fee (step S105), and searches for the property based on the purchaseable amount (step S105). S106). Thereafter, the information search apparatus 100 provides the search result to the user U (step S107) and ends the process.

[5. (Modification)
The information search apparatus 100 according to the above-described embodiment may be implemented in various different forms other than the above-described embodiment. Therefore, in the following, another embodiment of the information search apparatus 100 will be described.

[5-1. Financial services)
In the above description, the information search apparatus 100 has acquired the loanable amount for the user U from the financial server 300. However, the embodiment is not limited to this. For example, the information search apparatus 100 can provide various types of user information and financial information related to the user U to each of a plurality of financial institutions so that each financial institution can provide loans to the user U You may get a forehead. In such a case, the information search apparatus 100 may search for a property for each available loan amount obtained from each financial institution, for example, based on the largest available loan amount among the available available loan amounts. The property may be searched.

[5-2. About calculation of relocation funds)
Further, the information search apparatus 100 may calculate the relocation fund amount in consideration of information other than the debt balance and the fee. For example, the information search apparatus 100 calculates the amount required for renovation and renovation based on the size and age of the property owned by the user U, the purchase time of the user U, etc., and calculates the debt balance from the estimated price of the property. A value obtained by subtracting the fee and the amount required for renovation or renovation may be used as the amount of the relocation funds.

  Further, the information search device 10 may execute a process of estimating the price of the real estate when the real estate owned by the user U is registered. For example, the estimation unit 134 illustrated in FIG. 2 estimates the estimated price of the real estate owned by the user U only when the property such as the real estate owned by the user U has been registered as an owner, and considers the estimated price. You may calculate the relocation funds. Further, when the user U has not registered as an owner, the information search apparatus 10 may calculate the relocation funds based on the loanable amount, the debt balance, and the deposit and saving amount without estimating the estimated price. .

[5-3. (About the property)
The information search apparatus 100 described above uses property information indicating properties such as properties to be sold as search targets. However, the embodiment is not limited to this. For example, the information search apparatus 100 may search for property information indicating various real estates such as land, detached house, parking lot, etc., for example, and may execute the above-described search processing using the real estate to be invested as properties. . In addition to the real estate, the information search apparatus 100 may execute the above-described search process using, for example, a vehicle as a property.

  Moreover, the information search apparatus 100 estimates the price of various real estate such as land, detached house, parking lot, etc. that the user U has in addition to the property that the user U has, and searches for new real estate based on the estimated price. May be performed. In addition, when the user U has a plurality of real estates, the information search apparatus 100 may acquire any possible loanable amount by selling any real estate and securing the remaining real estate as collateral. .

[5-4. About cooperation)
Here, the information search apparatus 100 may cooperate with the financial management service via an API (Application Programming Interface) provided by the financial management service. Further, the information search apparatus 100 may acquire a loanable amount from a financial service provided by the financial server 300 via a financial management service.

[5-5. Others]
In addition, among the processes described in the above embodiment, all or part of the processes described as being automatically performed can be performed manually, or the processes described as being performed manually can be performed. All or a part can be automatically performed by a known method. In addition, the processing procedures, specific names, and information including various data and parameters shown in the document and drawings can be arbitrarily changed unless otherwise specified.

  Further, each component of each illustrated apparatus is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution / integration of each device is not limited to that shown in the figure, and all or a part thereof may be functionally or physically distributed or arbitrarily distributed in arbitrary units according to various loads or usage conditions. Can be integrated and configured.

  For example, each of the databases 121 to 123 illustrated in FIG. 2 may be stored in an external server such as a storage server without being stored in the information search apparatus 100. In this case, the information search apparatus 100 acquires property information, user information, financial information, and the like by accessing the storage server. In addition, for example, the information search apparatus 100 described above includes the property information management unit 131, the reception unit 132, and the providing unit 137, the specifying unit 133, the estimation unit 134, the acquisition unit 135, and the search unit 136. And the back end server side having the setting unit 138.

[5-6. Hardware configuration)
Further, the information search apparatus 100 according to the above-described embodiment is realized by a computer 1000 having a configuration as shown in FIG. 9, for example. FIG. 9 is a diagram illustrating an example of a hardware configuration. The computer 1000 is connected to an output device 1010 and an input device 1020, and an arithmetic device 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected via a bus 1090. Have

  The arithmetic device 1030 operates based on a program stored in the primary storage device 1040 and the secondary storage device 1050, a program read from the input device 1020, and the like, and executes various processes. The primary storage device 1040 is a memory device such as a RAM that temporarily stores data used by the arithmetic device 1030 for various arithmetic operations. The secondary storage device 1050 is a storage device in which data used by the arithmetic device 1030 for various calculations and various databases are registered, such as ROM (Read Only Memory), HDD (Hard Disk Drive), flash memory, and the like. It is realized by.

  The output IF 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various types of information such as a monitor and a printer. For example, USB (Universal Serial Bus), DVI (Digital Visual Interface), This is realized by a standard connector such as HDMI (registered trademark) (High Definition Multimedia Interface). The input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, a keyboard, and a scanner, and is realized by, for example, a USB.

  The input device 1020 includes, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), and a PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), and a tape. It may be a device that reads information from a medium, a magnetic recording medium, a semiconductor memory, or the like. The input device 1020 may be an external storage medium such as a USB memory.

  The network IF 1080 receives data from other devices via the network N and sends the data to the arithmetic device 1030, and transmits data generated by the arithmetic device 1030 to other devices via the network N.

  The arithmetic device 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic device 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040, and executes the loaded program.

  For example, when the computer 1000 functions as the information search device 100, the arithmetic device 1030 of the computer 1000 implements the function of the control unit 130 by executing a program loaded on the primary storage device 1040.

[6. effect〕
As described above, the information search device 100 specifies the debt balance of the user U, estimates the estimated price of the real estate owned by the user U, and obtains a loanable amount that can be financed to the user U. Based on the debt balance, the estimated price of the property, and the loanable amount, information on the real estate (for example, property) proposed to the user U is searched. For this reason, the information search apparatus 100 can perform a property search in consideration of assets such as real estate possessed by the user U.

  Moreover, the information search device 100 estimates the price of the real estate when the real estate owned by the user U is registered. For this reason, for example, when the user U has already been registered as the property owner, the information search device 100 can perform property search based on the relocation funds in consideration of the estimated price of the property.

  In addition, the information search apparatus 100 acquires information indicating the debt balance of the user U via a financial management service that performs financial management of the user U. For example, the information search apparatus 100 acquires information indicating the debt balance managed by the creditor of the debt to the user U through the financial management service. For this reason, the information search apparatus 100 can acquire the debt balance only by receiving the registration of the financial management service used by the user U without receiving the registration of the credit balance from the user U.

  In addition, the information search apparatus 100 notifies the information on the searched real estate to a service that performs financial management of the user U. For this reason, since the information search apparatus 100 can provide property information (for example, real estate advertisement) based on the relocation funds of the user U via the My Management Service page, the use of the financial management service Sometimes it is possible to recommend properties based on relocation funds.

  Further, the information search device 100 acquires a loanable amount that can be financed to the user U based on the estimated price of the property and the debt balance of the user U. For example, the information search apparatus 100 further specifies at least one of the savings or income of the user U via the financial management service, and uses at least one of the savings or income of the specified user U, The amount that can be lent to the user U is acquired. In addition, the information search apparatus 100 calculates the loanable amount based on the amount obtained by subtracting the debt balance and the predetermined fee from the estimated price of the property and the sum of the amount of deposits and savings of the user U, that is, the amount of relocation funds. To get. In addition, the information search apparatus 100 acquires a loanable amount that can be financed to the user U via a financial service that finances the user U. For this reason, the information search apparatus 100 can acquire the loanable amount for the user U without receiving registration of various information for receiving the loan.

  In addition, when the user U receives a loan from a financial service that provides a loan to the user U, the information search apparatus 100 sets a predetermined reward that is imposed on the provider of the financial service. For this reason, the information search device 100 can set a reward for introducing the user U to the financial service.

  Further, the information search apparatus 100 can be purchased with an amount obtained by subtracting the debt balance and a predetermined fee from the estimated price of the property and the sum of the amount of deposit and saving of the user U and the available loan amount, that is, an available purchase amount. Search for information about real estate. In addition, the information search device 100 searches for information related to real estate that satisfies the conditions set by the user U. For this reason, the information search apparatus 100 can implement a property search taking into account the assets and loans of the user U and a property search based on the user U's wishes.

  The information search apparatus 100 also provides information on real estate that satisfies the conditions set by the user U regardless of the debt balance, the estimated price of the property, and the loanable amount when the loanable amount is lower than a predetermined threshold. Search for. In addition, the information search device 100 searches for information related to the real estate to be rented when the loanable amount is lower than a predetermined threshold. For this reason, the information search device 100 can perform a normal property search when the user U cannot receive a loan.

  Further, the information search device 100 newly searches for information on real estate every time a debt balance, an estimated property price, and a loanable amount are obtained at predetermined time intervals. For this reason, the information search device 100 can provide a property search that takes into account the latest assets of the user U.

  Further, the information search apparatus 100 provides the user U with information on the searched real estate and information on the loanable amount when purchasing the real estate. For example, the information search apparatus 100 provides the user U with such a condition when the real estate owned by the user U other than the real estate to be sold is used as collateral or when the setting of the joint guarantor is a condition for financing. For this reason, the information search device 100 can provide various types of information for the user U to realize relocation, for example.

  In addition, when another user who has similar attributes to the user U purchases real estate for which information has been provided to other users, the information search apparatus 100 relates to the purchase of real estate by other users. Information is provided to the user U. For this reason, since the information search apparatus 100 provides the user U with information related to another user's relocation case, the user U can be motivated to relocate.

  Further, the information search device 100 searches for information related to a transaction target proposed to the user U based on the estimated price of the property and the attribute information of the user U. For this reason, the information search apparatus 100 can propose the purchase of various transaction objects in consideration of the assets of the user U in addition to the real estate.

  Further, the information search apparatus 100 identifies the total amount of debt balances of the plurality of associated users U, estimates the estimated price of the property owned by the plurality of associated users U, and associates the plurality of associated balances. Real estate to obtain a loanable amount that can be loaned to a user U and to propose to a plurality of associated users U based on the total debt balance, the estimated price of the property, and the loanable amount Search for information about. For this reason, the information search apparatus 100 can provide the relocation plan which considered the family and the partner, for example.

  As described above, some of the embodiments of the present application have been described in detail with reference to the drawings. However, these are merely examples, and various modifications, including the aspects described in the disclosure section of the invention, based on the knowledge of those skilled in the art, It is possible to implement the present invention in other forms with improvements.

  Moreover, the above-mentioned “section (module, unit)” can be read as “means”, “circuit”, and the like. For example, the control unit can be read as control means or a control circuit.

DESCRIPTION OF SYMBOLS 10 User terminal 100 Information retrieval apparatus 110 Communication part 120 Storage part 121 Property information database 122 User database 123 Financial management database 130 Control part 131 Property information management part 132 Reception part 133 Identification part 134 Estimation part 135 Acquisition part 136 Search part 137 Providing unit 138 Setting unit 200 Financial management server 300 Financial server

Claims (19)

A specific part that identifies the user's debt balance;
An estimation unit for estimating a price of real estate owned by the user;
An acquisition unit for acquiring a loan amount that can be loaned to the user;
An information search apparatus comprising: a search unit that searches for information on real estate proposed to the user based on the debt balance, the price of the real estate, and the loan amount. The information search device according to claim 1, wherein when the real estate owned by the user is registered, the estimation unit estimates the price of the real estate. The information search apparatus according to claim 1, wherein the specifying unit acquires information indicating a debt balance of the user via a service for performing financial management of the user. The information search apparatus according to claim 3, further comprising: a notification unit that notifies information related to the real estate searched by the search unit to a service that performs financial management of the user. The said acquisition part acquires the loan amount which can be lent to the said user based on the price of the real estate estimated by the said estimation part, and the said user's debt balance. The information search device according to any one of the above. The specifying unit further specifies at least one of the deposit or saving of the user through a service for performing financial management of the user,
The acquisition unit acquires a loan amount that can be lent to the user by using at least one of the savings and income of the user specified by the specifying unit. The information search device according to any one of the above. The said acquisition part acquires the loan amount which can be loaned with respect to the said user through the service which lends to the said user. The one of Claims 1-6 characterized by the above-mentioned. Information retrieval device. The apparatus according to claim 7, further comprising: a setting unit configured to set a predetermined reward that is imposed on a provider of the service when the user receives a loan from a service that provides a loan to the user. The information retrieval device described. The search unit is a property that can be purchased by adding the amount of the deposit and saving of the user and the loan amount to a value obtained by subtracting the debt balance and a predetermined fee from the price of the property estimated by the estimation unit. The information search device according to any one of claims 1 to 8, wherein information is searched. The information search device according to any one of claims 1 to 9, wherein the search unit searches for information on real estate that satisfies a condition set by the user. When the loan amount is lower than a predetermined threshold, the search unit searches for information related to the property satisfying the condition set by the user regardless of the debt balance, the price of the property, and the loan amount. The information search apparatus according to claim 10, wherein: The information search device according to claim 10 or 11, wherein, when the loan amount is lower than a predetermined threshold, the search unit searches for information relating to a property to be leased. The search unit newly searches for information on real estate whenever the debt balance, the price of the real estate, and the loan amount are obtained at predetermined time intervals. The information search device according to any one of the above. The provision part which provides the said user with the information regarding the real estate which the said search part searched, and the information regarding the said loan amount at the time of purchasing the said real estate is any one of Claims 1-13 characterized by the above-mentioned. Information retrieval device described in one. The providing unit, when another user who has similar attributes to the user purchases real estate for which information has been provided to the other user, information on the purchase of real estate by the other user The information search device according to claim 14, wherein the information is provided to the user. The transaction object search part which searches the information regarding the transaction object proposed with respect to the user based on the price of the real estate and the attribute information of the user. The information search device according to any one of the above. The specifying unit specifies a total amount of debt balances of a plurality of associated users,
The estimation unit estimates a price of real estate owned by a plurality of associated users,
The acquisition unit acquires a loan amount that can be loaned to a plurality of associated users,
The search unit searches for information on real estate to be proposed to the plurality of associated users based on a total amount of the debt balance, a price of the real estate, and the loan amount. Item 17. The information search device according to any one of Items 1 to 16. An information search method executed by an information search device,
A specific process of identifying the user's debt balance;
An estimation step for estimating a price of real estate owned by the user;
An acquisition step of acquiring a loan amount that can be loaned to the user;
The information search method characterized by including the search process of searching the information regarding the real estate proposed to the user based on the debt balance, the price of the real estate, and the loan amount. A specific procedure for identifying the user's debt balance;
An estimation procedure for estimating the price of real estate owned by the user;
An acquisition procedure for acquiring a loan amount that can be loaned to the user;
An information search program for causing a computer to execute a search procedure for searching information related to real estate to be proposed to the user based on the debt balance, the price of the real estate, and the loan amount.

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