JP2002269366A - Operation plan providing system, method and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an easily usable operation plan providing system, a method and a program capable of reducing the load of a client in a process from selection to application of the operation plan. SOLUTION: In this system, client information is accepted through a network, and the operation plan on a financial commodity is provided. Questions for analyzing risk tolerance on property use of the client are presented, and the reply is accepted. The risk tolerance of the client is determined based on the accepted reply result, and a combination of concrete financial commodities forming a portfolio corresponding to the risk tolerance is provided to an information communication terminal of the client as a reference operation plan, and plural concrete financial commodities are presented on the information communication terminal of the client. The reply of the client on the combination of the desired concrete financial commodities is accepted, and a written application for specifying the combination of the concrete financial commodities is created based on the accepted reply result.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to a system, a method, and a program for receiving client information via a network and providing an operation plan.

[0002]

2. Description of the Related Art An annuity is a method of accumulating a fixed amount every month (or every year), and collecting the amount paid until then (for example, after retirement) every month (or every year). ) It is a mechanism to receive. The money you save is called contributions and the money you receive is called benefits.
The funds contributed by individuals and companies are managed and accumulated, and the money is later received as a benefit from pension assets.

The current public pensions, the national pension and the welfare pension, and the corporate pensions, the qualified retirement pension and the welfare pension fund, are all “fixed-benefit” pensions that contribute a fixed amount and receive a fixed amount of benefits. And is referred to as a "defined benefit pension."

For example, in the case of a corporate pension managed as a “fixed benefit pension”, the amount of an employee to receive in the future is predetermined by a certain formula, the management risk is borne by the company, and the member who becomes the pension receiving entity is enrolled. Were not involved in the operation.

[0005] On the other hand, the defined contribution pension system is a pension system in which a fixed amount of contribution is made, but the contents of benefits vary depending on the investment results. In this system, the subscribers themselves select the investment products, and the subscribers themselves bear the operational risk.

[0006] In general, it is difficult for a client with little operational experience to suddenly select a pension management product. In such a situation, a service is required in which a client provides information on his / her investment consciousness, life plan, and the like, and provides advice on an appropriate operation plan and a reference plan based on the information, for example, on the Web.

Accordingly, the applicant has developed a new system for providing a service in which a client can select from a pension management product to a decision on the Web, for example, in a defined contribution pension system.

[0008] Here, the client, for example, answers a question for investigating investment consciousness or inputs necessary items for financial planning, so that a plurality of pension management according to the client's risk tolerance is performed. Can be provided with a reference plan. Then, he or she must select the desired plan from a plurality of prepared reference plans and apply for the selected pension management product. Since such a process is rather complicated, it is preferable to provide a system that is easy to use without causing any burden on the pension subscriber who is a client of the pension management product providing system.

The present invention has been made in view of the above points, and it is an object of the present invention to provide an operation plan providing system, a method and a program which can reduce the burden on a client in the application process from selection of an operation plan and which is easy to use. Aim.

[0010]

SUMMARY OF THE INVENTION (1) The present invention is a system for receiving client information via a network and providing an operation plan relating to a financial product. A means for providing questions to analyze tolerance and accepting responses, and for determining the client's risk tolerance based on the content of the received responses, and for specific financial product combinations that form a portfolio according to the risk tolerance Means for providing the information as a reference operation plan to the information communication terminal of the client, means for presenting a plurality of specific financial products on the information communication terminal of the client, and receiving a response from the client regarding a combination of desired specific financial products; , A set of specific financial products based on the content of the response received Characterized in that it comprises a means for generating a registration form identifying the combined.

Here, the desired combination of specific financial products is, for example, a combination of specific financial products that the client considers or desires to purchase, join, or apply for.

The client's response to the combination of the desired specific financial instruments may be, for example, whether or not it is desired for the provided reference operation plan, or may be a desired specific financial instrument from the presented specific financial instruments. A combination of financial products may be specified or selected.

An application form specifying a specific combination of financial products is, for example, an application form in which the names of specific products to be applied or subscribed and the contribution ratio thereof are described in advance.

According to the present invention, a combination of specific financial products forming a portfolio according to the client's risk tolerance is provided to the client's information communication terminal as a reference operation plan. Financial products can be selected and specified.

For example, this can be selected as a desired combination of specific financial products, or a combination of specific financial products completely different from the reference plan can be designated as a desired specific financial product.

When a portfolio is provided for each source asset such as a short-term financial instrument, a domestic stock, a foreign stock, a bond, a foreign bond, etc., it is necessary to newly select a specific financial instrument that satisfies the portfolio. . However, in the present invention, since the portfolio presented as the reference management plan is configured as a combination of specific financial products that can be provided, it is convenient to directly grasp the products.

[0017] In addition, clients who are not particularly familiar with investment often have difficulty in selecting a product from 1 and often want to provide a reference management plan. According to the present invention, since a reference operation plan reflecting the client's risk tolerance can be provided, the client can more smoothly select a product.

According to the present invention, an application form is generated in which a combination of selected and designated specific financial products is specified, so that the client can specify the specific product contents on the information communication terminal when filling out the application form. There is no need to enter it again.

Particularly, in the case where an application form in paper is necessary for the conclusion of the application contract, it is convenient because it is possible to save the client's trouble in specifying the product twice.

Therefore, according to the present invention, it is possible to provide an operation plan providing system, a method and a program which can reduce the burden on the client during the application process from the selection of the operation plan and which is easy for the user to use.

(2) The present invention is a system for receiving client information via a network and providing an operation plan for financial products, and provides a question for analyzing a client's investment consciousness to a client's information communication terminal. Means for receiving a response and analyzing the client's investment consciousness based on the content of the received response, and providing information on specific financial instruments corresponding to the investment consciousness to the client's information communication terminal as a reference operation plan, A means for presenting a plurality of specific financial products on the information and communication terminal of the client and receiving a response from the client regarding the desired specific financial product, and an application form specifying the specific financial product based on the content of the received response. Generating means.

Here, the desired specific financial product is
For example, specific financial products that the client considers or desires to purchase, subscribe, or apply for.

The client's response to the desired specific financial instrument may be, for example, whether or not it is desired for the provided reference operation plan, or from the plurality of presented specific financial instruments, to the desired specific financial instrument. May be specified or selected.

The application form specifying a specific financial product is, for example, an application form in which a specific product name to be applied or subscribed is described in advance.

According to the present invention, a specific financial product according to the analysis result of the investment consciousness of the client is provided to the information communication terminal of the client as a reference operation plan. Can be selected and specified.

Here, since the reference operation plan provided by the present invention is a concrete financial product that can be actually provided,
This can be selected as a desired specific financial instrument, or a specific financial instrument completely different from the reference plan can be designated as the desired specific financial instrument.

Clients who are not particularly familiar with investment
In many cases, they are not good at selecting a product from the list, and often want to provide a reference management plan. According to the present invention, since a reference operation plan reflecting the client's investment consciousness can be provided, the client's product selection can be performed more smoothly.

According to the present invention, an application form specifying a specific financial product selected or specified is generated, so that the client rewrites the specific product content specified on the information communication terminal when filling out the application form. No need to do.

In particular, in the case where an application form in paper is necessary for the conclusion of the application contract, the client can be saved twice in specifying the product, which is convenient.

Therefore, according to the present invention, it is possible to provide an operation plan providing system, a method and a program which can reduce the burden on the client during the application process from the selection of the operation plan and which is easy for the user to use.

(3) The operation plan providing system of the present invention preferably receives a change in a part or all of the specific financial product or a combination thereof presented as the reference operation plan, and is changed by the client. And generating an application form specifying a specific financial product based on the contents of the application.

According to the present invention, when it is desired to change some or all of the specific financial products or the combinations thereof presented on the screen of the information communication terminal of the client, after making the changes, apply for subscription or purchase. be able to.
Therefore, the client can create a customized plan by himself / herself while referring to the presented plan (specific financial instrument or a combination thereof). In this case as well, an application form is created in which specific financial instruments or a combination thereof are specified for the customized plan created by the client.

(4) The operation plan providing system of the present invention preferably provides a means for providing a question concerning personal information of a client necessary for performing financial planning or life plan simulation to an information communication terminal of the client and receiving an answer. And determining the contents of the reference operation plan to be provided to the information and communication terminal of the client in consideration of the contents of the accepted answer.

Here, the life plan simulation is a simulation relating to money such as income, expenditure and asset management in life.

Also, financial planning is
Creating an advantageous asset management method and comprehensive life plan based on the client's assets, liabilities, income, future plans, etc.

In conducting individual asset management planning, that is, financial planning, individual life plans and product preferences based on their investment stance are closely related. Here, "financial plan" is used as a term for such a total asset management plan.

The personal information of the client necessary for performing the financial planning or the life plan simulation is, for example, information on family structure, annual income, savings, debt, educational fund, house, and the like.

According to the present invention, in consideration of the above, a specific financial product or a combination thereof is provided to a client, so that a proposal reflecting the needs of the client can be made.

(5) The operation plan providing system of the present invention is preferably characterized in that reference operation plans of a plurality of patterns are provided to the information communication terminal of the client.

For example, a plurality of patterns of specific financial products suitable for the client's investment consciousness may be obtained and provided to the client's information communication terminal as a reference operation plan, or a portfolio may be constructed according to the client's risk tolerance. A combination of specific financial products of a plurality of patterns may be provided as a reference operation plan to the information communication terminal of the client.

According to the present invention, since a plurality of options can be given to the client, it is possible to prevent the system operator from arbitrarily guiding a certain operation plan.

(6) In the operation plan providing system of the present invention, preferably, a plurality of investment types that can be classified according to the magnitude of the risk tolerance are prepared in advance, and a question or a question for analyzing the risk tolerance is prepared. Classify the client into one of the investment types based on the contents of the answer to the question to analyze the investment consciousness, and use the information on the specific financial instruments or combinations thereof according to the investment type to which the client belongs as a reference management plan It is provided to a communication terminal.

In this way, by setting a specific financial instrument or a combination thereof according to the risk tolerance assumed for the investment type for each investment type, a specific financial instrument corresponding to the investment type to which the client belongs is set. A financial instrument or a combination thereof can be provided.

It is preferable to provide the client with a description of which investment type the client belongs to, the characteristics of the investment type, and the risks that can be accepted by persons belonging to the investment type. Thereby, the client can select a specific financial instrument or a combination thereof while referring to the provided investment type.

(7) The operation plan providing system of the present invention provides, for example, in response to a request from a client, a reference operation plan for an investment type that is different from the investment type obtained based on the contents of the response to the information communication of the client. It may be configured to provide the terminal.

According to the present invention, a client can select or designate a desired specific financial instrument or a combination thereof with reference to a reference operation plan for another investment type.

(8) The operation plan providing system according to the present invention is preferably configured such that an operator of a predetermined terminal or an operator having a predetermined authority for client information inputted by a client from an information communication terminal and stored in a database. Provides a screen for reference and / or correction, and further includes means for updating client information in a database based on the contents corrected from the screen, and generating an application form based on the client information in the database. .

The predetermined terminal is a case where the terminal itself is specified, and is, for example, a terminal connected to a host server or the like by a dedicated line. The operator having the predetermined authority is, for example, an operator having a specific password such as a system operator.

According to the present invention, an operator of a predetermined terminal or an operator having a predetermined authority checks whether there is any erroneous entry, omission of entry, or erroneous entry in an item inputted by the client from the information communication terminal. Can be modified.
Further, by referring to the client data, double registration or the like can be found, and processing necessary for preparing the client data can be performed.

According to the present invention, since an application form is generated based on the client information in the database, it is possible to create an application form in which, for example, the address of the client and other information are described in advance. Here, since the application form can be created after correcting an input error or the like of the client, an accurate application form can be created.

(9) The operation plan providing system of the present invention is preferably characterized in that it outputs list information for managing the application form creation status.

For example, it is convenient because the reply status of the application sent to the client can be managed using the list information.

(10) The present invention is a method for receiving client information via a network and providing an operation plan for a financial product, in which an information communication terminal of the client analyzes the risk tolerance of asset management of the client. Providing the client with the question and accepting the answer, and calculating the client's risk tolerance based on the content of the received response, and using the information on the combination of specific financial instruments that form a portfolio according to the risk tolerance as a reference management plan Providing to the client's information communication terminal, presenting a plurality of specific financial products on the client's information communication terminal, and receiving the client's response regarding a combination of desired specific financial products, and contents of the received response Combination of specific financial products based on Characterized in that it comprises the steps of generating a specified application form.

(11) The present invention is a method for receiving client information via a network and providing an operation plan for a financial product, and provides a question for analyzing a client's investment consciousness to a client's information communication terminal. Analyzing the client's investment consciousness based on the content of the received answer, and providing information on specific financial products according to the investment consciousness to the client's information communication terminal as a reference operation plan; Presenting a plurality of specific financial products on the information and communication terminal of the client, receiving a response from the client for the desired specific financial product, and executing an application form specifying the specific financial product based on the content of the received response. And generating.

(12) The operation plan providing method of the present invention comprises:
Preferably, a change is received for a part or all of the specific financial product or a combination thereof presented as the reference operation plan, and an application form specifying the specific financial product based on the content changed by the client is generated. It is characterized by doing.

(13) The operation plan providing method of the present invention
Preferably, the method further includes the step of providing a question concerning personal information of the client necessary for performing financial planning or life plan simulation to the information communication terminal of the client and receiving a response, and taking into account the content of the received response, The content of the reference operation plan provided to the information communication terminal is determined.

(14) The operation plan providing method of the present invention
Preferably, a plurality of reference operation plans are provided to the information communication terminal of the client.

(15) The operation plan providing method of the present invention comprises:
Preferably, a plurality of investment types that can be classified according to the magnitude of the risk tolerance are prepared in advance, and the client is determined based on the content of the question for analyzing the risk tolerance or the question for analyzing the investment consciousness. Are classified into any one of investment types, and information on specific financial instruments or a combination thereof according to the investment type to which the client belongs is provided as a reference operation plan to the information communication terminal of the client.

(16) The operation plan providing method of the present invention
For example, in response to a request from the client, a reference operation plan for an investment type different from the investment type obtained based on the contents of the answer may be provided to the information communication terminal of the client.

(17) The operation plan providing method of the present invention
Preferably, a screen provided by an operator of a predetermined terminal or an operator having a predetermined authority to refer to and / or modify the client information input by the client from the information communication terminal and stored in the database is provided. The method further includes updating client information in a database based on the corrected content, and generating an application form based on the client information in the database.

(18) The operation plan providing method of the present invention
Preferably, list information for managing the application form creation status is output.

(19) The present invention is a computer-usable program for providing a question and an answer to a client's information communication terminal for analyzing a risk tolerance regarding asset management of the client, and receiving the answer. Means for obtaining the client's risk tolerance based on the contents of the response, and providing information on a combination of specific financial instruments forming a portfolio according to the risk tolerance to the client's information communication terminal as a reference operation plan; and Means for presenting a plurality of specific financial products on the information communication terminal of the client and accepting a response from the client regarding a desired combination of the specific financial products, and an application specifying the combination of the specific financial products based on the content of the received response To make a computer implement Features.

(20) The present invention is a computer-usable program, which provides a question for analyzing a client's investment consciousness to a client's information communication terminal and receives a reply, and the content of the received reply. Means to analyze the client's investment consciousness based on the client's investment consciousness and provide information on the specific financial instruments corresponding to the investment consciousness to the client's information communication terminal as a reference operation plan; The present invention is characterized in that a computer is provided with means for presenting a product and receiving a response from a client regarding a desired specific financial product, and means for generating an application form specifying the specific financial product based on the content of the received response. And

(21) Preferably, the program of the present invention accepts a change in part or all of the specific financial product or a combination thereof, which is presented as the reference operation plan, and provides the content changed by the client. It is characterized by generating an application form specifying a specific financial product based on the application form.

(22) The program of the present invention preferably provides a computer with means for providing a question concerning personal information of a client necessary for performing financial planning or life plan simulation to an information communication terminal of the client and receiving an answer. It further includes a program for realizing, and determines the contents of the reference operation plan to be provided to the information communication terminal of the client in consideration of the contents of the received answer.

(23) The program of the present invention preferably provides a plurality of patterns of reference operation plans to the information communication terminal of the client.

(24) The program of the present invention preferably prepares in advance a plurality of investment types that can be classified according to the magnitude of the risk tolerance, and asks a question or investment consciousness for analyzing the risk tolerance. Classify the client into one of the investment types based on the contents of the answer to the question to be analyzed, and use the information on specific financial instruments or their combination according to the investment type to which the client belongs as a reference operation plan to the client's information communication terminal. It is characterized by providing.

(25) The program of the present invention includes, for example,
In response to a request from the client, a reference operation plan for an investment type different from the investment type obtained based on the contents of the answer may be provided to the information communication terminal of the client.

(26) The program of the present invention is preferably such that an operator of a predetermined terminal or an operator having a predetermined authority refers to client information input by a client from an information communication terminal and stored in a database, It further comprises a program for providing a screen to be modified and realizing means for causing a computer to update the client information of the database based on the contents corrected from the screen, and generating an application form based on the client information of the database. I do.

(27) The program of the present invention is preferably characterized in that it outputs list information for managing the status of application form creation.

[0071]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below using a pension management plan providing system as an example.

(1) Configuration of this Embodiment FIG. 1 shows an example of the configuration of an operation plan providing system of this embodiment.

The server device 100 of the operation plan providing system according to the present embodiment is configured to be connectable to the information communication terminal 20 of the client via the network 10 such as the Internet. It is connected to the information communication terminal 40 of the operator.

Server device 10 of operation plan providing system
0 and the information communication terminal 20 of each client are connected to the Internet via a network of a communication trader called a provider, for example.

The transmission path between the server device 100 of the operation plan providing system and the information communication terminal 20 of each client may include a wireless transmission path or may be connected by a wired transmission path.

Server device 10 of operation plan providing system
0 includes a communication device 110 connected to an Internet line or the like for transmitting and receiving data, a host computer 120 such as a workstation, a database 150 storing homepage information and client information, and also has a function as a web server or the like. And has established a website on the Internet that supports the World Wide Web (WWW).

The communication device 110 is constituted by a modem, a terminal adapter, a router, or the like, and is connected to another server device or information communication terminal 20, 40, or the like via a communication line such as a telephone line, an ISDN line, or a dedicated line. Sends and receives data to and from

The information communication terminal 20 is, for example, a PC or a portable terminal owned by the client, and includes an input unit, a control unit, a display unit, a communication unit, and the like, and has a WWW browser installed.

Therefore, the client can use the information communication terminal 20 to access the URL (Un
By specifying the iform Resource Locator), the user can access a site provided by the system and receive provision of pension management plan information.

The client uses the information communication terminal 20 to enter a life plan and answer a questionnaire on investment consciousness at a site operated by the information communication terminal 20 to provide a reference management plan for pension management suitable for the client and to provide a pension product. And services such as pension simulation.

In the above embodiment, the information communication terminal 40 of the system operator has been described as an example in which it is connected to the server device 100 of the operation plan providing system via the dedicated line 30 or the like, but the present invention is not limited to this. . For example, it may be connected to the server device 100 of the operation plan providing system via the Internet or the like using a public line in the same manner as the information communication terminal of the client. However, in this case, it is necessary to allow only a person having a specific authority to access with a password or the like.

FIG. 2 is an example of a functional block diagram of the server device of the operation plan providing system according to the present embodiment.

The server device 10 of the operation plan providing system
0 indicates the host computer 120 and the database 150
Contains.

The host computer 120 has the processing unit 13
0, storage unit 122, information storage medium 126, and transmission / reception unit 12
4 is included.

The transmission / reception section 124 is connected to the information communication terminals 20 and 4
0 and exchanges data with the database 150, and has both a transmission function and a reception function. However, the transmission and reception functions may be realized separately in the transmission means and the reception means.

The storage section 122 serves as a work area for the processing section 130 and the transmission / reception section 124, and its function is realized by hardware such as a RAM.

The processing unit 130 determines which terminal transmitted the received processing request and what kind of processing request it is, and performs various processing necessary for providing an operation plan. The function is realized by a combination of hardware (a processor such as a CPU or a DSP or an ASIC such as a gate array) and a program (or firmware or the like). However, all of the functions of the processing unit 130 may be realized by hardware, or all of them may be realized by a program.

The processing unit 130 also performs processing for generating image information for displaying a homepage image on each terminal based on the processing request information. Note that the image information is stored in We
For example, an HTML file is generated so that page b can be displayed. Then, based on various processing requests, various processing such as updating of an image on the homepage is performed.

The processing unit 130 includes the application form creation processing unit 1
32, a warning information output processing unit 134, a menu screen processing unit 136, and a screen creation information registration processing unit 138.

The application form creation processing section 132 performs a process of generating an application form specifying the specific contents of the combination of financial products for which the client has indicated the intention of joining or purchasing, based on the client information 180 of the database 150.

The warning information output processing section 134 calculates a first risk tolerance for the client's asset management based on the answer to the question for analyzing the client's risk tolerance for the asset management, and outputs the information communication terminal of the client. Calculates the second risk tolerance indicated by the asset management content selected, changed or determined based on the operation information input from the client, and when the second risk tolerance deviates from the first risk tolerance, the client To output the warning information to the information communication terminal.

The warning information output processing unit 134 is provided with a plurality of different investment types that can be classified according to the risk tolerance, and the first investment determined according to the first risk tolerance. When the type and the second investment type determined according to the second risk tolerance are different, warning information may be output to the information communication terminal of the client.

The menu screen processing unit 136 performs a process of outputting an item input area for inputting an item to be used when performing the asset management simulation and a client information input screen including the menu area to the information communication terminal of the client. . Here, the client information input screen includes a menu area and an item input area in one screen,
The input items themselves in the menu area or the identification fields corresponding to the input items are displayed in different colors for the required input items and the optional items.

It is also possible to detect whether or not each item input area has been input, and if so, change the color associated with the corresponding menu item in the menu area.

When a life plan simulation of a plurality of different patterns is possible, each input item in the menu area is provided with an identification column corresponding to each of the plurality of different patterns. A color indicating whether the input item is a required input item or an optional item may be added.

Further, it is detected whether or not the client information of each item input area has been input, and if it has been input, the color of each input item in the menu area or the color of the identification box corresponding to each input item is input. Alternatively, the color may be changed to a color indicating that the processing has been completed.

Further, it is detected whether or not all required input items have been input for a given life plan simulation, and if all the input items have been input, a menu item relating to the execution of the given life plan simulation or financial planning is detected. May be changed.

The screen creation information registration processing unit 138 includes a questionnaire item for analyzing the client's risk tolerance for asset management, its answer options, a score value used to classify investment types, investment type information (investment type name,
It accepts registration of risk tolerance of the investment type, score value condition, comment on the investment type), specific financial products to be provided as a reference management plan to clients belonging to each investment type, or the contents of a combination thereof, and database 150 Of the corresponding screen creation information is updated.

An information storage medium (a storage medium usable by a computer) 126 stores information such as programs and data.
D, DVD), magneto-optical disk (MO), magnetic disk, hard disk, magnetic tape, or memory (RO
M or RAM).

The processing unit 130 controls the information storage medium 126
Performs various processes of the present invention (the present embodiment) based on the information stored in the. That is, the information storage medium 126 stores information (program or data) for executing the means of the present invention (the present embodiment) (particularly, the blocks included in the processing unit 130).

The other functions described above can also be realized by reading information from the information storage medium 126.

The program, data, and the like stored in the information recording medium 126 may be partially or wholly received via a transmission medium such as a network line. That is, the host computer 120 can also realize various functions described above by receiving, for example, a program, data, and the like embodied in a carrier wave from a predetermined host terminal device or the like via a network.

The database 150 includes a transmitting / receiving unit 152 for transmitting / receiving data to / from the host computer 120.
And an information storage unit 160 that stores screen creation information 170, client information 180, and the like in a usable state.

The information storage section 160 is a storage medium readable by the CPU, such as a magnetic or optical recording medium or a semiconductor memory, and includes, for example, a RAM, a hard disk (magnetic disk), a floppy (registered trademark) disk, and a CD-ROM.
And so on.

Screen creation information 170 stores screen creation information such as investment type information, investment type proposal information, investment awareness questionnaire item information, and financial product information registered from the operator terminal.

As the client information 180, an e-mail address such as the name, gender, postal code, and address of a client who is a pension subscriber, life plan answer contents, and questionnaire answer contents are stored.

FIG. 3 is a diagram for explaining an example of the software configuration of the present system.

The various functions of the present system can be realized, for example, by executing the following program 540 for realizing the present system in the processing section. The program 540 for realizing the present system includes a menu screen providing processing module (M1), an investment awareness questionnaire screen providing processing module (M2), an investment type proposal screen providing processing module (M3), and an operation product proposal screen providing processing module (M4). , Warning information output processing module (M5), simulation result provision processing module (M12), operation prediction quick reference table provision processing module (M6), application form preparation processing module (M7), client information correction processing module (M8), investment consciousness It includes a questionnaire item registration processing module (M9), an investment type information registration processing module (M10), and a proposed product registration processing module for each investment type (M11).

Each module is, for example, a CGI (Common Gat
e-Way Interface)
The web page is configured to be created.

The database 150 accessed by the present system stores screen creation information 170 and client information 180. The screen creation information 170 includes investment type information 171 and proposed product information 17 for each investment type.
2. Includes investment awareness questionnaire item information 173, financial product information 174, and the like.

The client information 180 includes the name, gender, postal code, address, etc.
An e-mail address, life plan answer contents, questionnaire answer contents, and the like are stored.

When there is a menu screen providing request from the client's information communication terminal 20 (a1), the menu screen providing processing module M1 is activated, and a menu screen as shown in FIG. Provided (b1).

When there is a request to provide an investment awareness questionnaire screen from the information communication terminal 20 of the client (a2), the investment awareness questionnaire screen provision processing module M2 is activated, and the investment awareness questionnaire screen as shown in FIG. Provided to the information communication terminal 20 of the client (b
2). Here, the investment awareness questionnaire screen provision processing module M2 creates an investment awareness questionnaire screen reflecting the investment awareness questionnaire item information 173 of the database 150.

When there is a request to provide an investment type proposal screen from the client's information communication terminal 20 (a3), the investment type proposal screen provision processing module M3 is activated, and FIG.
The investment type proposal screen (“proposal investment type” screen) shown in FIG.
0 (b3). Here, the investment type proposal screen provision processing module M3 creates an investment type proposal screen reflecting the investment type information 171 of the database 150.

When there is a request to provide an operation product proposal screen from the client's information communication terminal 20 (a4), the operation product proposal screen provision processing module M4 is activated, and the operation product proposal screen as shown in FIG. It is provided to the information communication terminal 20 of the client (b4). Here, the operation product proposal screen provision processing module M4 is the database 15
An investment product proposal screen reflecting investment type-specific proposal product information 172 of 0 is created.

When the client clicks the "OK" button in the "product selection screen" (see FIG. 17) (a12-1), the simulation result provision processing module M12 is activated and the portfolio report screen (see FIG. 32). ) Is provided to the information communication terminal 20 of the requesting client (b12-1).

When the client clicks the “advance” button on the “portfolio report screen” (see FIG. 32) (a12-2), the simulation result provision processing module M12 is activated, and the operation simulation screen (see FIG. 33) is requested. The information is provided to the information communication terminal 20 of the original client (b12-2).

When the client clicks the "operation quick reference table" button on the "operation simulation screen" (see FIG. 32) (a12-2), the operation prediction quick reference table providing processing module M6 is activated, and the operation prediction quick reference screen (see FIG. 32). 19 (see FIG. 19) is provided to the information communication terminal 20 of the requesting client (b6).

When the client clicks the “Proceed” button on the “operation simulation screen” (see FIG. 33) (a7), the application form creation processing module M7 is activated, and the application form (FIG. 20) is created. Here, the application form creation processing module M7 uses the client information 18 in the database 150.
Based on 0, an application form in which the applied product name is described in advance is created.

The created application form may be provided to the information communication terminal 20 of the requesting client so that the client can confirm the contents of the application form on the screen.

When a client information correction request is made from the information communication terminal 40 of the operator (a8), the client information correction processing module M8 is activated. A request to modify the client information can be made, for example, from the “Edit subscription application data registration information” screen in FIG. The client information correction processing module M8 creates, updates, or deletes the client information 180 of the database 150 based on the contents input from the screen.

Note that the client information 180 stored in the database 150 can be modified from the information communication terminal 40 of the operator. For example, it can be performed from the “subscription application data registration information edit” screen of FIG.

When an investment awareness questionnaire item registration request is made from the information communication terminal 40 of the operator (a9), the investment awareness questionnaire item registration processing module M9 is activated.
The investment awareness questionnaire item registration request can be made, for example, from the questionnaire item registration (details) in FIG. The investment consciousness questionnaire item registration processing module M9 creates, updates, or deletes investment consciousness questionnaire item information 173 in the database 150 based on the content input from the screen.

When an investment type information registration request is made from the information communication terminal 40 of the operator (a10), the investment type information registration processing module M10 is activated. The investment type information registration request can be made from the investment type information registration screen of FIG. 25, for example. The investment type information registration processing module M10 creates, updates, or deletes the investment type information 171 of the database 150 based on the content input from the screen.

When a proposal product registration request by investment type is made from the information communication terminal 40 of the operator (a11), a proposal product registration processing module M11 by investment type is activated.
The proposed product registration request for each investment type can be made, for example, from the proposed product registration screen of FIG. The investment type-specific proposed product registration processing module M11 creates, updates, or deletes investment type-specific proposed product information 172 in the database 150 based on the content input from the screen.

(2) Information Stored in Database Next, information stored in the database 150 of the present embodiment will be described.

FIGS. 4A and 4B show the database 150.
It is a figure for explaining about investment consciousness questionnaire item information.

In FIG. 4A, reference numeral 610 denotes investment consciousness questionnaire item information (question).
14 inclusive. As the question content 612 and the question number 614, the content registered from the questionnaire item registration (details) screen (see FIG. 22) is stored. In the questionnaire screen for investment (see FIG. 11), the question contents 612 are displayed in the order of the question number 614.

., 620- in FIG. 4B.
n is an answer record for each question item, and corresponds to each question item. Each answer record 620-
1,..., 620-n are answer contents 622 as options for each question item, score (operation type determination standard) 6
24.

The answer contents 622 and the score 624 store the contents registered from the questionnaire item registration (details) screen (see FIG. 22). In the questionnaire screen for investment (see FIG. 11), the answer contents 622 are displayed as options for the corresponding question.

The score 624 is used for totalizing scores when determining the investment type of the client based on the questionnaire results.

FIG. 5A is a diagram for explaining the investment type information in the database 150, and FIG.
FIG. 5 is a diagram for describing type-specific product proposal information in a database 150.

The investment type information 630 in FIG. 5A includes an investment type 632, a risk value 634, and an application condition (score) 63.
6. Includes investment type description (comment) 638. Investment type 632, risk value (score) 634, application condition 63
6. The investment type description (comment) 638 stores information registered from the investment type information registration screen (see FIG. 25).

In the proposed investment type screen (see FIG. 13), an explanation (comment) 638 on the investment type corresponding to the comment column (see 390 in FIG. 13) is displayed.

When the client determines from the investment product selection screen (see FIG. 17) which investment type the specific financial product combination belongs to, the risk value indicated by the specific financial product combination and the risk value The risk value 634 is compared and determined.

When determining the client's investment type from the questionnaire results, the client's score is compared with the applicable condition (score) 636.

. 640- in FIG. 5B.
n is a type-specific proposed product record. Note that each type of proposed product record 640-1,.
Each investment type corresponds one-to-many, and includes an investment type 642 and a product code 644 of a specific financial product and a distribution 646 thereof that constitute a reference management plan for the investment type. The allocation is a value representing the contribution ratio.

The product code 644 and its distribution 646 include:
Contents registered from the proposed product registration screen (see FIG. 27) are stored.

On the “Proposal of investment product” screen (see FIG. 15), as a reference investment plan according to the investment type,
The specific product name and distribution 646 corresponding to the product code 644 of the type-specific proposed product record of the corresponding investment type are displayed.

FIG. 6 is a diagram for explaining the financial product information in the database 150.

The financial product information 650 includes a product code 652.
And product type 654, product name 656, and RR classification (risk / return classification) 65 corresponding to the product code 652
8. The merchandise provider 660 is stored. Since these pieces of information are common to each product, they are registered in the database 150, and various information corresponding to the product code 652 is read out as necessary, thereby eliminating redundant storage of information and effectively using memory resources. Can be.

FIG. 7 is a diagram for explaining the client information in the database 150.

The client information 680 includes an ID 682,
Name 684, address 686, telephone number (TEL) 688,
Company 690, date of birth 700, gender 702, life plan input contents 704, questionnaire response contents 706, application contents 708, warning history 710, application form sending / receiving 71
2. Includes 714 whether application form is returned.

Name 684, address 686, telephone number (TE
L) 688, company 690, date of birth 700, gender 70
2. Life plan input contents 704 and the like store contents input by the client from a life plan input screen as shown in FIG. 9, for example.

In the questionnaire response content 706, the response content input from the questionnaire screen for investment (see FIG. 11) is stored.

The application content 708 stores a combination (specific product name and contribution ratio) of the financial products selected and confirmed on the operation product selection screen (see FIG. 17).

The warning history information stores a history of warning information output when a product is selected on the operation product selection screen (see FIG. 17). Note that the history of the warning information may store only the history of the warning information output for the operation plan whose final confirmation is clicked. The history of this warning information can indicate that the system is making an effort to make the client aware of the risk.

[0148] The application form creation / non-use 712 stores information on the presence or absence of application form creation for an operation plan for which an application request has been made from the information communication terminal.

[0149] The application form return status 714 stores whether the return of the application sent to the client is accepted.

(3) User Interface of Client FIG. 8 is a diagram for explaining an example of the user interface of the client to which the operation plan is provided according to the present embodiment.

S2 to S14 are user interfaces on the information communication terminal of the client. The client uses an information communication terminal such as a personal computer to access a site of the present system for providing an operation plan via the Internet.

First, the client inputs personal information on the family structure, annual income, savings, educational fund, house, and the like from the life plan input screen provided by the present system (step S2).

Next, answer information is input from a screen to a questionnaire for investment consciousness analysis (step S4).

When these inputs are completed, the present system determines the client's investment type based on the response to the client's investment awareness questionnaire, and outputs the determined investment type on the screen (step S6).

Next, an investment product proposal screen for proposing a reference investment plan (specific financial products and their contribution ratios) according to the investment type is output (step S8).

Next, the client designates a desired combination of specific financial products (specific financial products and their contribution ratios) with reference to the proposed reference operation plan (step S10).

Then, the system outputs a portfolio report and an operation simulation screen for a specific combination of financial products designated by the client (step S12).

If the client wishes to apply for the contents, the client inputs an application request for the combination of the operating products (step S14).

The contents exchanged by the client with the present system via the information communication terminal have been described above.

[0160] Thereafter, with respect to an application for a specific combination of financial instruments made by the client on the information communication terminal, an application form in which necessary items are described in advance is mailed. The application form contains in advance the combination of the operational products selected by the client on the information communication terminal, the address, etc., so the client confirms the contents of the application form, seals the name, etc. and returns it. (Step S16). Acceptance of this application will take over the specific procedures for joining the pension.

As described above, according to the present embodiment, the client provides information on his / her investment consciousness and life plan on the Web, and based on the information, an appropriate reference operation plan (specific financial product and its Contribution ratio) and refer to it to specify the desired pension management plan. Then, a portfolio report and an operation simulation can be provided for the specified pension management plan.

The application form sent at a later date contains the Web
Since the pension management plan specified above is described in advance, the client can save the trouble of filling out the application form.

(4) Menu Screen Providing Process FIG. 9 is an example of an input screen for a life plan.

The life plan input screen 200 is a client information input screen including an item input area 220 for inputting items used when performing an asset management simulation and a menu area 210 thereof.

In the present embodiment, I: all life plans from present to retirement (see 212, 212 '), II: life plan after retirement (see 214, 214'), III: direct input of required amount (216, 216 ') 3) asset management simulation of three patterns is possible.

In the menu area 210 of the present embodiment, the identification fields corresponding to the respective input items are displayed in different colors between the mandatory input items and the optional items. Here, the identification column corresponding to each input item is a mark (□) provided corresponding to each input item (see 222 and 224). 22
Numeral 2 indicates input items (required input items and optional items) of all life plan simulations from I present to retirement, and 224 indicates input items of life plan simulation after retirement age (required input items and optional items) Item).

Here, for example, for I, input items 1 to
Out of 19, items 1, 2, 17, and 18 are required input items for performing the simulation, and the other items are items (inputtable items) for which input can be omitted. In the present embodiment, as shown in such a case 222, 1, 2, 1
7, 18 and other identification columns (□) are displayed in different colors. By doing so, the client can identify the mandatory input items and the optional items at a glance.

For example, when the user wants to perform the type I simulation, the user can directly go to the input screen for the item by clicking the identification column (□) shown at 222. As described above, in the present embodiment, since the input order can be eliminated, for example, it is also possible to directly select and input only essential input items.

In the present embodiment, for example, for a certain item, it is detected whether or not each item input area has been input, and if it has been input, the identification field (□) of the corresponding menu item has been input. Change to a color that indicates
For example, when the item “about family” has been input, the colors of the corresponding identification columns (□) 232 and 234 change to colors indicating that input has been completed.

Also, in the present embodiment, it is detected whether or not all the required input items for a given simulation have been input. Change the associated color. For example, for I, when all the required input items 1, 2, 17, and 18 for performing the simulation have been input, the color of the menu item 212 'relating to the execution of the simulation for I changes.

Thus, the client can determine at a glance whether each simulation can be executed or not. This is convenient when there are many input items or when there are required input items and optional items. is there.

In this embodiment, when the input is omitted for the items that can be omitted, the default value is used for the processing. For example, if the entry item “About home” is omitted, “
For the value 240 of "management cost etc.", a default value of "200,000 yen per year" is set, and the life simulation is performed.

In the above embodiment, since the required input items and the labor-saving items are different for each of the plurality of simulations, an identification column is provided for each simulation pattern. Added optional items. However, for example, when there is only one simulation pattern or when the required input items and the optional items are the same in all the simulation patterns, the colors of the required input items and the optional items themselves are made different. Is also good.

FIG. 10 is a flowchart for explaining an example of a flow of a color changing process related to an input item when providing a menu screen.

When the information of pressing the confirmation button is received, the following steps S122 to S128 are performed (step S120).

The input flag for the input item whose confirmation button has been pressed is turned ON (step S122). Here, for example, it is assumed that each of the input items 1 to 19 in FIG. 9 has an input completion flag indicating whether or not the input item has been input, and if ON, it indicates that the input has already been input. I do.

Next, the color of the identification column of each input item is determined based on the input completed flag for each input item (step S).
124).

Next, the color of each simulation item is determined based on the input completed flag of the required input item for the simulation (step S126). For example, when all the input completed flags of the required input items for the simulation are turned ON, the color of each simulation item is changed.

The color of the identification field of each input item in the menu area of the “life plan input screen” and the color of each simulation item are updated to the determined colors and provided to the information communication terminal of the requesting client (step). S128).

(5) Investment Awareness Questionnaire Screen Providing Process FIG. 11 shows an example of an investment questionnaire input screen.

In the questionnaire input screen, each question 350 for investigating the investment consciousness of the client and options 360 of the answer group are presented. The client checks the check box of the option that best matches his / her investment consciousness from the options 360 of the answer group. When the answer is completed for all the questions and the confirmation 370 is clicked, the answer content is transmitted to the present system.

FIG. 12 is a flowchart for explaining an example of the flow of a process for providing a questionnaire screen (see FIG. 11) for investment.

First, a questionnaire screen for investment (FIG. 11)
When the display request is received (step S50), the investment awareness questionnaire item information is read from the database 150 and a questionnaire screen for investment is generated based on the information (step S52).

The investment questionnaire screen is provided to the information communication terminal of the requesting client (step S54).

The database 150 in step S52
May be performed only when the content of the database 150 is updated or at a specific timing.

(6) Investment Type Proposal Screen Provision Processing FIG. 13 shows an example of an investment type proposal screen.

On this screen, the investment type of the client diagnosed based on the analysis result of the questionnaire on investment consciousness is presented. In the present embodiment, it is diagnosed to which of the five investment types the client belongs according to the risk tolerance determined from the questionnaire results. Here, the five investment types are, for example, “conservative” and “slightly conservative”.
They are "intermediate type", "slightly positive type" and "active type", and the higher the client's risk tolerance, the more it belongs to the latter type.

This screen shows that the investment type of the client is the intermediate type (see 380).
Displays a description of the intermediate investment type.

FIG. 14 is a flowchart for explaining an example of the flow of the process of providing the investment type proposal screen (see FIG. 13).

First, when a display request for the investment type proposal screen (see FIG. 13) is received (step S60), an answer record of investment awareness questionnaire item information and investment type information are read from the database 150 (steps S64 and S6).
6).

Next, a score value relating to the client's investment consciousness is calculated based on the client's questionnaire response information stored in the database 150 or the temporary storage area and the score value of the response record of the investment consciousness questionnaire information (step S68).

A process for determining the investment type of the client is performed based on the calculated score value and the application condition of the read investment type information (step S70).

Next, an investment type proposal screen for the determined investment type is generated based on the investment type information (step S72).

Then, the investment type proposal screen is provided to the information communication terminal of the requesting client (step S7).
4).

The process of reading the investment awareness questionnaire information answer record and investment type information from the database 150 in steps S64 and S66 is performed by the database 150
May be performed only when the content is updated or at a specific timing.

(7) Operation Product Proposal Screen Providing Process FIG. 15 shows an example of the operation product proposal screen. On this screen, a plurality of reference management plans (combinations of specific financial products) that are appropriate for the client's investment type are presented. For example, FIG. 15 shows a product plan 1 (see 410) as a reference operation plan presented to the “intermediate type” client.
And a product plan 2 (see 412).

Here, the product names (420) S1, S3, and S11 presented in each product plan are the product provider (4
22) Specific product names that can be provided by K1 to K3. The contribution ratio (424) indicates the distribution ratio of the contribution. That is, in the management plan 1, an investment plan is presented in which 30% of the contribution is distributed to S1, 40% to S3, and 30% to S11.

For example, when the client wants the product plan 2, the user checks the check box 413 of the product plan 2 and clicks “Proceed” 430, and a selection screen of the operation product in which the product plan 2 is set as a default value is presented. (See FIG. 17). When the client wants to present a product plan of another investment type, he or she selects an investment type for which he / she wants to present a product plan from the five investment types shown in FIG. By clicking, a "Proposal of investment product" screen for another investment plan is provided.

FIG. 16 shows an operation product proposal screen (see FIG. 15).
FIG. 6 is a flowchart for explaining an example of the flow of a providing process of the present invention.

First, a proposal screen for the operation product (see FIG. 15)
Is received (step S130), the proposed merchandise record of the investment type of the requesting client is read from the database 150, and a proposal screen of the operated merchandise is generated based on the information (step S132).

Then, the proposal screen of the operation product is provided to the information communication terminal of the requesting client (step S13).
4).

The database 15 in step S132
The process of reading a proposed product record of each type of investment type of the requesting client from 0 and generating a proposal screen of the managed product based on the information is performed only when the content of the database 150 is updated or at a specific timing. It may be.

(8) Warning Information Output Process (Operating Product Proposal Screen Providing Process) FIG. 17 shows an example of the operating product selection screen. On the screen, a list of products that can be provided by the present system is presented, and the client can select an operation product by designating a desired value in the column of contribution ratio.

Here, an initial screen in which the product plan selected on the previous screen (operational product proposal screen (see FIG. 15)) is set as a default value is displayed. For example, when the merchandise plan 2 is selected and the screen is displayed, the contribution ratio proposed for the merchandise proposed in the merchandise plan 2 is set as a default value. If the client accepts the default value, he or she may click "OK" 450 as it is. To change the product content or the contribution ratio, the user inputs a change in the column of the contribution ratio 442, and then clicks “Confirm” 452. If the content is sufficient, clicks “Confirm” 450.

[0205] In "Proposal investment type" 460, the investment type of the client obtained as a result of the questionnaire is displayed. And "current investment type" 462
Is displayed, the client selects from the screen and selects “Confirm” 4
The investment type indicated by the combination of products at the time of clicking 52 is displayed.

For example, if the client makes a contribution ratio S1
Is changed to 30%, S3 to 30%, and S7 to 40% (see FIG. 17). Judging from the risk tolerance, the combination of these products belongs to the "slightly positive type", and is displayed in the "current investment type" 462.

In this embodiment, the “current investment type” 462 is the investment type of the client obtained from the questionnaire result (“proposal investment type” 460).
Otherwise, warning information as indicated by 464 is output.

Generally, when a client bears the risk of a product, the client needs to be aware of the product and its risk. According to the present embodiment, such warning information can alert the client to the fact that the investment type has been changed by his / her own selection.

Although the above embodiment has been described with reference to the case where warning information is output as a text message, for example, a case where a warning image, a warning sound, or a warning message is output by voice may be used.

FIG. 18 is a flowchart for explaining an example of the flow of the warning information output process. The case where warning information is output on the “select operation product” screen of the present embodiment will be described as an example.

When the information of pressing the confirmation button is received, the following steps S102 to S108 are performed (step S100).

First, the risk tolerance for the input financial product combination is calculated, and the current investment type is determined (step S102).

Next, it is determined whether or not the current investment type and the proposed investment type are the same (step S104). If they are not the same, a process necessary for outputting a warning message is performed (step S106).

[0214] Based on the input contents, an "operation product selection screen" is provided to the information communication terminal of the requesting client (step S108).

In the present embodiment, when the current investment type is different from the proposed investment type, that is, the investment type indicated by the combination of investment products input by the client is different from the investment type of the client determined by the questionnaire result. The case where a warning message is output in the case of different cases has been described as an example, but the present invention is not limited to this.

For example, a warning message may be output when the risk tolerance indicated by the combination of operational products input by the client changes as a reference risk tolerance. Here, the reference risk tolerance may be, for example, a client risk tolerance determined based on a questionnaire result, or may be a risk tolerance determined based on a combination of investment products before change.

(9) Output Processing of Quick Reference Table for Operation Prediction FIG. 32 is a diagram showing an example of a portfolio report screen provided in the present embodiment. Portfolio reports can compare the pie chart for the portfolio for the client's desired investment plan (current investment type) with the pie chart for the portfolio for the reference investment plan (suggested investment type) obtained based on the questionnaire results Display and provide.

FIG. 33 is a diagram showing an example of the operation simulation screen provided in the present embodiment. The graph in the figure shows the expected amount of money to be acquired when the client operates according to the desired management plan (current investment type).
This allows the client to predict his or her received amount.

FIG. 19 is an example of the operation prediction quick reference table provided in the present embodiment.

This operation prediction chart is a general-purpose list for each interest rate and the number of years of contribution in the case of operating with contributions of 10,000 yen per month. The horizontal row is the interest rate, and the vertical row is the contribution years. Since the interest rate varies depending on the operation of the product, it is shown for each case of 1% to 10%. Also, the contribution years vary depending on the age at the time of joining, and are shown for each case from 1 year to 45 years.

In this embodiment, as shown at 480 in FIG. 19, a line corresponding to the contribution year of the client is colored or marked and output. As a result, the client can grasp, at a glance, the estimated amount of the reserve line at the end of his or her contribution.

(10) Application Form Creation Processing FIG. 20 shows an example of a subscriber account registration application form.

This application form includes at least a subscriber information column 510 and a contribution designation column 520.

[0224] In the subscription application form of the present embodiment, a subscription desired product (a desired combination of specific financial products) specified by the client at the terminal is described in advance (5.
20).

In addition, the necessary items to be entered in the information 510 concerning the subscriber other than the subscriber's name and seal are printed in advance based on the contents registered by the client from the information communication terminal in advance (* is printed in advance). Client information).

Therefore, the client only has to confirm the contents of the printed matter of the application form and seal the name. This greatly reduces the client's effort in filling out the application form,
Through this system, it is possible to promote the client's willingness to subscribe to products that can be applied for.

FIG. 21 is a flowchart for explaining an example of the flow of the application form (see FIG. 20) creation processing.

When the application form creation event occurs (step S90), the client information of the application form generation target is read from the database 150 (step S9).
2) Based on the read client information, create an application form in which the name of the applied financial product of the client is described in advance (step S94).

The application form creation event occurs, for example, at the request of the system operator or at a predetermined timing.

Then, the created application form is printed (step S96).

[0231] The application form printed here is mailed to the corresponding client. In the application form printed in the present embodiment, the application financial product name received from the screen is described in advance. Therefore, the client who receives the application form confirms the necessary items and, if there is no error, returns the application form with a name, a seal or the like.

In general, when applying for a membership such as an annuity, the joining procedure starts when the returned document is accepted.

(11) Screen Creation Information Registration Processing Next, registration processing of various screen creation information performed by the system operator will be described.

FIG. 22 is an example of an investment awareness questionnaire item registration (details) screen.

This screen is a screen that can be accessed only by the information communication terminal of the operator or a person having special authority.

The operator directly inputs the questionnaire question item in the question column 550, inputs the question number of the question in the question number column 552, and inputs the question column 550 in the option column 554.
Is directly input as an answer to the question item described in, and a score or the like corresponding to each option is input in the branch / score column 556. Then, by clicking "Register" 558, it can be registered in database 150 as investment awareness questionnaire item information.

Here, the score is used when judging the investment type of the client. That is, the scores registered in the options selected by the questionnaire are totaled, and the investment type of the client is determined based on the totaling result.

Since the question number can also be registered, there is an advantage that the registration order of the questions is abolished, and the rearrangement and maintenance of the questions can be easily performed.

FIG. 23 is an example of an investment awareness questionnaire item registration (list) screen.

This screen displays a list of questionnaire items registered from the screen of FIG. Checking the details column 560 and clicking “Go” 562 registers the investment awareness questionnaire item of the corresponding question item (details)
You can jump to the screen (see FIG. 22).

FIG. 24 is a flowchart for explaining an example of the flow of the investment awareness questionnaire item registration process.

First, upon receiving a request to display a questionnaire item registration (details) screen (step S20), a questionnaire item registration (details) screen is provided to the information communication terminal of the requesting client (step S22).

When there is a questionnaire item registration request (step S24), the contents inputted from the questionnaire item registration screen are received and the investment awareness questionnaire item information in the database 150 is created or updated (step S26).

FIG. 25 shows an example of an investment type information registration screen.

This screen is a screen which can be accessed only by the information communication terminal of the operator or a person having special authority.
In the present embodiment, a plurality of investment types having different risk tolerances are set, and an operation plan according to the risk tolerance of each investment type is proposed.

This screen is a screen for registering the type name of each investment type set in this embodiment, application conditions, and the like.

The type name is entered in the type column 570 and the risk value 5
By inputting the range of the risk value belonging to the investment type to 72, the range of the score belonging to the investment type to the score 574, the comment of the investment type to the description 576 of the type, and clicking “register” 578 It can be registered in the database 150 as investment type information.

Here, the range of risk values belonging to the investment type is used, for example, when determining which investment type belongs to a specific product combination (contents of an operation plan) specified by the client.

The range of score values belonging to the investment type is used, for example, when determining which investment type the client's questionnaire response result belongs to.

FIG. 26 is a flowchart for explaining an example of the flow of investment type information registration processing.

First, when a request for displaying the investment type information registration screen is received (step S30), the investment type information registration screen is provided to the information communication terminal of the requesting client (step S32).

When there is an investment type information registration request (step S34), the contents inputted from the investment type information registration screen are received and the investment type information of the database 150 is created or updated (step S36).

FIG. 27 shows an example of a proposed product registration screen.

This screen is a screen which can be accessed only by the information communication terminal of the operator or a person having special authority.
On this screen, the contents of the investment plan proposed for each investment type are registered.

In the product code column 580, the product code of the product proposed as the investment type management plan is stored.
82, enter the distribution ratio of the product, and enter "Confirm"592;
By clicking "register" 594, it is possible to register in database 150 as proposed product information by investment type.

A product type 58 corresponding to each product code
4, product name 586, RR classification 588, and product provider 5
Since 90 is stored in the database 150 as the financial product information 174, the corresponding information in the database 150 is displayed by inputting the product code.

FIG. 28 is a flowchart for explaining an example of the flow of the proposed merchandise information registration processing.

First, when a display request for the proposed product registration screen is received (step S40), the proposed product registration screen is provided to the information communication terminal of the requesting client (step S4).
2).

When there is a proposal product registration request (step S44), the contents received from the proposal product registration screen are received, and the process of creating or updating the proposal product registration information in the database 150 is performed (step S46).

(12) Client Information Correction Process FIG. 29 is a “subscription application data list inquiry” screen.

This screen is a screen that can be accessed only by the information communication terminal of the operator or a person having special authority.
On this screen, a list of subscription applications made from the screen is displayed.

Checking the application details column 600 and clicking “edit registration information” 602 allows
You can jump to the "Edit subscription application data registration information" screen.

FIG. 30 shows an example of the client information correction screen.

This screen is a screen which can be accessed only by the information communication terminal of the operator or a person having special authority.
On this screen, data such as the address, name, date of birth, etc. of the subscriber who has been registered from the input screen and the content of the applied product are displayed. The operator checks the data content, corrects the data, and decides whether to exclude the data.

FIG. 31 is a flowchart for explaining an example of the flow of the client information editing process.

First, when a request for displaying the client information editing screen is received (step S80), the client information editing screen is provided to the information communication terminal of the requesting client (step S82). Here, the client information editing screen is, for example, a subscription application data registration information screen shown in FIG.

When the client information update request is received (step S84), the content inputted from the client information editing screen is received and the client information of the database 150 is updated (step S86).

Although the preferred embodiments to which the present invention is applied have been described, the application of the present invention is not limited to the above-described embodiments.

[Brief description of the drawings]

FIG. 1 is an example of a configuration diagram of an operation plan providing system according to an embodiment.

FIG. 2 is an example of a functional block diagram of a server device of the operation plan providing system according to the embodiment;

FIG. 3 is a diagram illustrating an example of a software configuration of the present system.

FIGS. 4A and 4B are diagrams for explaining investment awareness questionnaire item information in a database;

FIG. 5A is a diagram for explaining investment type information in a database, and FIG. 5B is a diagram for explaining type-specific product proposal information in a database.

FIG. 6 is a diagram for describing financial product information in a database.

FIG. 7 is a diagram for describing client information in a database.

FIG. 8 is a diagram illustrating an example of a user interface of a client to which an operation plan is provided according to the present embodiment.

FIG. 9 is a diagram illustrating an example of an input screen for a life plan according to the present embodiment.

FIG. 10 is a flowchart for explaining an example of a flow of a color changing process related to an input item when providing a menu screen.

FIG. 11 is a diagram showing an example of a questionnaire input screen for investment consciousness in the embodiment.

FIG. 12 is a flowchart illustrating an example of a flow of a process of providing a questionnaire screen for investment in the present embodiment.

FIG. 13 is a diagram illustrating an example of an investment type proposal screen according to the present embodiment.

FIG. 14 is a flowchart illustrating an example of a flow of an investment type proposal screen providing process according to the present embodiment.

FIG. 15 is a diagram illustrating an example of an operation product proposal screen according to the present embodiment.

FIG. 16 is a flowchart illustrating an example of a flow of a process of providing a managed product proposal screen according to the present embodiment.

FIG. 17 is a diagram illustrating an example of an operation product selection screen according to the present embodiment.

FIG. 18 is a flowchart illustrating an example of a flow of a warning information output process.

FIG. 19 is a diagram illustrating an example of an operation prediction quick reference table according to the present embodiment.

FIG. 20 is a diagram illustrating an example of a subscriber account registration application form according to the present embodiment.

FIG. 21 is a flowchart illustrating an example of a flow of an application form creation process according to the embodiment.

FIG. 22 is a diagram showing an example of an investment awareness questionnaire item registration (detail) screen in the present embodiment.

FIG. 23 is a diagram showing an example of an investment awareness questionnaire item registration (list) screen in the present embodiment.

FIG. 24 is a flowchart illustrating an example of the flow of an investment awareness questionnaire item registration process according to the present embodiment.

FIG. 25 is a diagram showing an example of an investment type information registration screen according to the embodiment.

FIG. 26 is a flowchart for explaining an example of the flow of investment type information registration processing in the present embodiment.

FIG. 27 is a diagram illustrating an example of a proposed product registration screen according to the present embodiment.

FIG. 28 is a flowchart for explaining an example of the flow of a proposed merchandise information registration process in the present embodiment.

FIG. 29 is a diagram showing an example of a “subscription application data list inquiry” screen in the present embodiment.

FIG. 30 is a diagram illustrating an example of a client information correction screen according to the present embodiment.

FIG. 31 is a flowchart illustrating an example of a flow of a client information editing process according to the embodiment.

FIG. 32 is a diagram showing an example of a portfolio report screen provided in the present embodiment.

FIG. 33 is a diagram showing an example of an operation simulation screen provided in the present embodiment.

[Explanation of symbols]

 Reference Signs List 10 Internet (public line) 20, 40 Information communication terminal 30 Dedicated line 100 Server device of operation plan providing system 110 Communication device 120 Host computer 122 Storage unit 124 Transmission / reception unit 126 Information storage medium 130 Processing unit 132 Application form creation processing unit 134 Warning Information output processing unit 136 Menu screen processing unit 138 Screen creation information registration processing unit 150 Database 152 Transmission / reception unit 170 Screen creation information 171 Investment type information 172 Proposal product information by investment type 173 Investment awareness questionnaire item information 174 Financial product information 180 Client information

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Hiroshi Takahashi 2-7-9, Hirakawa-cho, Chiyoda-ku, Tokyo Within the Federation of Mutual Agricultural Cooperative Associations (72) Inventor Takao Nakajima 1-13 Yurakucho, Chiyoda-ku, Tokyo No. 2 in the Norinchukin Bank (72) Inventor Jun Kawashima 15-6 Fuyuki, Koto-ku, Tokyo Daiwa Research Institute

Claims (27)

[Claims] 1. A system for receiving client information via a network and providing an investment plan for a financial product, wherein the information communication terminal of the client is provided with a question for analyzing a risk tolerance of the asset management of the client. A means for receiving the response, and the client's risk tolerance is determined based on the content of the received response, and the information on the combination of specific financial products that form a portfolio according to the risk tolerance is used as a reference operation plan as a client information communication terminal Means for presenting a plurality of specific financial products on the information communication terminal of the client and receiving a response from the client regarding a combination of desired specific financial products; and specific financial services based on the content of the received response. Create an application form that identifies the product combination Operational Plan providing system characterized in that it comprises means for. 2. A system for receiving client information via a network and providing an operation plan for a financial product, comprising: providing a question for analyzing a client's investment consciousness to a client's information communication terminal; A means for analyzing the client's investment consciousness based on the content of the received response, and providing the client's information communication terminal with information on specific financial instruments corresponding to the investment consciousness as a reference operation plan; and A means for presenting a plurality of specific financial products above and receiving a response from the client regarding a desired specific financial product; and a means for generating an application form specifying the specific financial product based on the content of the received response. An operation plan providing system characterized by including: 3. The method according to claim 1, wherein a change in a part or the whole of the specific financial instrument or a combination thereof presented as the reference operation plan is received, and based on the contents changed by the client. An operation plan providing system, which generates an application form specifying a specific financial product. 4. The method according to claim 1, further comprising a step of providing a question concerning personal information of the client necessary for performing financial planning or life plan simulation to the information communication terminal of the client and receiving an answer, An operation plan providing system characterized in that the contents of a reference operation plan to be provided to a client's information communication terminal are determined in consideration of the contents of a received answer. 5. The operation plan providing system according to claim 1, wherein a plurality of reference operation plans are provided to the information communication terminal of the client. 6. The method according to claim 1, wherein a plurality of investment types that can be classified according to the magnitude of the risk tolerance are prepared in advance, and a question for analyzing the risk tolerance or an investment consciousness is analyzed. The client into one of the investment types based on the contents of the answer to the question, and provide information on specific financial instruments or combinations thereof according to the investment type to which the client belongs to the client's information communication terminal as a reference operation plan An operation plan providing system characterized by: 7. The client according to claim 6, wherein, in response to a request from the client, a reference operation plan for an investment type different from the investment type obtained based on the contents of the answer is provided to the client's information communication terminal. The operation plan providing system. 8. The client according to claim 1, wherein an operator of a predetermined terminal or an operator having a predetermined authority refers to and corrects the client information input by the client from the information communication terminal and stored in the database. An operation plan providing system, further comprising: means for providing a screen to be updated, and updating client information in a database based on the contents corrected from the screen, and generating an application form based on the client information in the database. 9. The operation plan providing system according to claim 1, wherein list information for managing an application form creation status is output. 10. A method for receiving client information via a network and providing an investment plan for a financial product, wherein a question is provided to an information communication terminal of the client to analyze a risk tolerance of the asset management of the client. A step of receiving a response, obtaining a client's risk tolerance based on the content of the received response, and using the information on a specific combination of financial instruments forming a portfolio corresponding to the risk tolerance as a reference operation plan as a client information communication terminal Providing a plurality of specific financial products on the client's information communication terminal and receiving a response from the client regarding a combination of desired specific financial products; and providing a specific financial product based on the content of the received response. Identified product combinations Operational Plan provides a method which comprises the steps of generating a Komisho. 11. A method for receiving client information via a network and providing an operation plan for a financial product, the method comprising: providing a question for analyzing a client's investment consciousness to a client's information communication terminal, and receiving a response. And analyzing the client's investment consciousness based on the content of the received response and providing the client's information communication terminal with information on specific financial instruments according to the investment consciousness as a reference operation plan; and Presenting a plurality of specific financial products above and receiving a response from the client for the desired specific financial product; and generating an application form specifying the specific financial product based on the content of the received response. A method for providing an operation plan, comprising: 12. The method according to claim 10, wherein a change of a part or all of the specific financial instrument or a combination thereof presented as the reference operation plan is received, and based on the content changed by the client. An operation plan providing method, wherein an application form specifying a specific financial product is generated. 13. The method according to claim 10, further comprising the step of providing a question regarding personal information of the client necessary for performing financial planning or life plan simulation to the information communication terminal of the client, and receiving an answer, An operation plan providing method, characterized in that the contents of a reference operation plan to be provided to a client's information communication terminal are determined in consideration of the contents of a received answer. 14. The operation plan providing method according to claim 10, wherein a plurality of patterns of reference operation plans are provided to the information communication terminal of the client. 15. The method according to claim 10, wherein a plurality of investment types that can be classified according to the magnitude of the risk tolerance are prepared in advance, and a question for analyzing the risk tolerance or an investment consciousness is analyzed. The client into one of the investment types based on the contents of the answer to the question, and provide information on specific financial instruments or combinations thereof according to the investment type to which the client belongs to the client's information communication terminal as a reference operation plan A method of providing an operation plan. 16. The client according to claim 15, wherein a reference operation plan for an investment type different from the investment type obtained based on the contents of the answer is provided to the client's information communication terminal in response to a request from the client. How to provide an operation plan. 17. The operator according to claim 10, wherein an operator of a predetermined terminal or an operator having a predetermined authority refers to and corrects the client information input by the client from the information communication terminal and stored in the database. Providing an operation plan, and updating the client information in the database based on the contents corrected from the screen, and generating an application form based on the client information in the database. 18. The operation plan providing method according to claim 10, wherein list information for managing an application form creation status is output. 19. A computer-usable program, comprising: means for providing a question for analyzing a risk tolerance of a client's asset management to a client's information communication terminal and receiving a reply; Means for obtaining the client's risk tolerance based on the client's information communication terminal, and providing information on a specific combination of financial instruments forming a portfolio according to the risk tolerance to the client's information communication terminal as a reference operation plan; and Means for presenting a plurality of specific financial products to a client and receiving a response from the client regarding a desired combination of specific financial products, and means for generating an application form specifying the combination of specific financial products based on the content of the received response And a computer. Grams. 20. A computer-usable program, comprising: means for providing a question for analyzing a client's investment consciousness to an information communication terminal of the client and receiving a response; and investing the client based on the content of the received response. Analyze the consciousness and present the information on the specific financial products according to the investment consciousness as a reference operation plan to the client's information communication terminal, and present a plurality of specific financial products on the client's information communication terminal, A program for causing a computer to realize means for receiving a response from a client for a desired specific financial product and means for generating an application form specifying the specific financial product based on the content of the received response. 21. The method according to claim 19, wherein a change of a part or all of the specific financial instrument or a combination thereof presented as the reference operation plan is received, and based on the content changed by the client. A program for generating an application form specifying a specific financial product. 22. The computer according to claim 19, wherein the computer provides means for providing a question concerning personal information of the client necessary for performing financial planning or life plan simulation to the information communication terminal of the client and receiving an answer. A program for determining a reference operation plan content to be provided to the information communication terminal of the client in consideration of the content of the received answer. 23. The program according to claim 19, wherein a plurality of reference operation plans are provided to the information communication terminal of the client. 24. A method according to claim 19, wherein a plurality of investment types that can be classified according to the magnitude of the risk tolerance are prepared in advance, and a question for analyzing the risk tolerance or an investment consciousness is analyzed. The client into one of the investment types based on the contents of the answer to the question, and provide information on specific financial instruments or combinations thereof according to the investment type to which the client belongs to the client's information communication terminal as a reference operation plan A program characterized by the following. 25. The client according to claim 24, wherein, in response to a request from the client, a reference operation plan for an investment type different from the investment type obtained based on the contents of the answer is provided to the information communication terminal of the client. And the program. 26. The client according to claim 19, wherein an operator of a predetermined terminal or an operator having a predetermined authority refers to and corrects the client information input by the client from the information communication terminal and stored in the database. A program for providing a computer with means for updating the client information in the database based on the content modified from the screen, and generating an application form based on the client information in the database. program. 27. The program according to claim 19, wherein list information for managing an application form creation status is output.