JP2002083033A - Advice system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an advice system which can provide more accurate advice. SOLUTION: A question about an article purchase is sent to a center 20 from a user terminal 10. The center 20 decides whether or not an article can be purchased according to information in various databases and provides the result.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to an advice system for providing advice on a user's future behavior.

[0002]

2. Description of the Related Art Conventionally, various consulting businesses have been conducted and various business plans are presented as plans. There are also known advisors who accept consultations on various plans for individuals and give various advices.

[0003] These consulting and advice are being performed using computers.

[0004] For example, JP-A-11-25155 discloses a life planning system. In this life planning system, a system for planning a mortgage loan according to the current situation of the user is shown in consideration of the current and future family structure, income and expenditure, debts, savings, and information on scheduled home purchases of the user.

[0005] According to such a system, it is possible to perform analysis by referring to various kinds of information provided by the user, and to provide appropriate advice to the user.

[0006]

However, in the system disclosed in the above publication, the source information is limited to personal information of the user. Therefore, there is a problem that the amount of information is not sufficient and it is difficult to correctly predict the future.

[0007] An object of the present invention is to provide an advice system that can provide more accurate advice.

[0008]

SUMMARY OF THE INVENTION The present invention is an advice system for providing advice on a user's future behavior, and acquires and acquires general economic and social information as well as information on the user's economy and living conditions. Based on these pieces of information, an advice corresponding to the purpose of the user is created, and the created advice is provided. This makes it possible to provide the user with appropriate advice by referring to both the general information and the personal information.

[0009] In addition, the present invention provides an advice system for providing advice on a user's future behavior, in which general economic and social information as well as information on the user's economy and living conditions are acquired, and the user's information is obtained based on the acquired information. It is characterized in that advice for purchasing goods or services corresponding to the purpose is created, and the created advice is provided.

[0010] The present invention also provides an advice system for providing advice on a user's future behavior, which acquires financial-related information in the general economy and society and financial-related information of the user, and, based on the acquired information, obtains a user's purpose. The invention is characterized in that advice on future expenditure corresponding to the above is created and the created advice is provided.

[0011] Further, the present invention provides an advice system for providing advice on a future action of a user, wherein the system obtains medical-related information of the user, creates advice on the user's diet or exercise menu based on the obtained information, It is characterized by providing the created advice.

An advice system for providing advice on a user's future behavior, which acquires investment-related information in the general economy and society and creates investment advice corresponding to the user's purpose based on the acquired information. And providing the created advice.

[0013] An advice system for providing advice on a user's future behavior, which acquires business-related information in the general economy and society, and provides future business advice corresponding to the user's purpose based on the acquired information. And providing the created advice.

Preferably, the information is obtained from an external database via a network. As a result, the latest information can be obtained when needed, and a correct decision can be made.

[0015]

Embodiments of the present invention (hereinafter referred to as embodiments) will be described below with reference to the drawings.

[Purchase of Goods] FIG. 1 is a diagram showing the overall configuration of an advice system according to the embodiment. In this example, advice on purchase of goods is provided.

The user terminal 10 is a computer terminal operated by the user, such as a portable terminal carried by the user, a store terminal provided in a store, a personal terminal in the user's home, and the like.

The user terminal 10 is connected to a network 12
Is connected to the center 20 via the. The network 12 is preferably the Internet using a public telephone line, but may be a dedicated line or a satellite line.

The center 20 is basically composed of a computer, and the processing unit 22 performs various data processing.
Further, a user database 24 is connected to the processing unit 22, and various data about the user is stored therein. In particular, in this example, a user ID, a password, and the like are stored.

The network 12 includes a deposit / borrowing database 30, an income / expenditure database 32,
An economic trend database 34, a commodity price trend database 36, and the like are connected. The deposit / borrowing database 30 is, for example, a database of a bank, and stores data such as a deposit status and a borrowing status of a user. The income / expenditure database 32 is a database of a bank, a credit company, an insurance company, and the like, and stores data such as regular income such as salary for users, and regular payment such as loans, taxes, and educational expenses. Also,
The economic trend database 34 is a database such as an organization that makes economic forecasts, and stores data such as economic forecasts by industry, exchange rates, official discount rates, and other past, current, and future forecasts. The commodity price trend database 36 stores data such as how the price changes for each commodity and how it changes in the future.

The center 20 accesses these databases via the network 12 and acquires necessary data when necessary. It should be noted that these databases are installed in banks, credit companies, research companies, and the like, and may be plural and located at different locations.

In such a system, when the user goes shopping and finds a product to be purchased, the user operates the user terminal 10. In the case of a mobile terminal or a store terminal, the user terminal 10 is operated at a place where shopping is performed. In the case of a home personal terminal, the operation is performed after returning to the home.

The processing in this case will be described with reference to FIG. First, the user connects to the center 20 via the network 12 with the user terminal 10. Then, a user ID, a product name, a price, and the like are input as a target for advice on product purchase (S11).

The center 20 also determines whether or not the user can purchase the product based on the data supplied from the user terminal 10 (S12). That is, the processing unit 2
2 fetches data about the user who has been asked to purchase a product from the deposit / borrowing database 30 and the income / expenditure database 32, and calculates the user's balance. Then, it is determined whether or not the product specified by the user can be purchased.

In the determination of S12, if possible, is there any problem in actually purchasing the product next (purchase O
K? ) Is determined (S13). To this end, the data of the income / expenditure database 32 etc. is used to predict the income / expenditure of the user in the near future. In addition, the self-employed person predicts future income and expenditure such as income expected from past results and daily life expenditure from bank withdrawal status. In this case, the economic trend database 3
Also refer to the forecast of deposit interest rate from 4.

Further, the price trend of the product to be purchased stored in the product price trend database 36 is also considered. In other words, it is determined whether it is preferable to buy the product specified by the user now, taking into account data such as the product release time, the price trend at the store, the availability of new products, the comparison with other similar products, etc. I do.

If it is determined that it is good to buy the product (OK), data is transmitted to the user terminal 10 about the purchase (purchase OK) (S14).
At this time, if there is advice necessary for purchasing the product, it may be notified. The advice includes, for example, selecting a color, checking whether an accessory is attached, and the like.

On the other hand, in S12 or S13, NO
If so, a reply is sent to the user terminal 10 stating that purchase is not possible or purchase is not recommended (purchase NG) (S15). At this time, it is also preferable to present an alternative. That is, if the purchase is not possible (NO in S12), it is better to predict whether the purchase will be possible in the future, or to introduce an equivalent product with a cheaper product. If the answer is that it is better not to purchase (NO in S13), it is preferable to provide information on the reason, purchase timing, introduction of alternative products, and the like.

As described above, according to the present embodiment, advice as to whether or not a user should purchase a product is supplied according to the user's economic condition and general economic condition.
Therefore, the user can determine whether or not to purchase with reference to the advice.

Here, the information from the center 20 is advice on purchase, and the final decision on whether or not to purchase is made by the user himself, so that the intention of the user is respected. In addition, in the case of advice that it is better not to purchase a product, it is also preferable to indicate an available amount of money or present a future model in the case of “buying forcibly” in addition to an alternative.

In particular, in the purchase of a residential property such as an apartment, a large amount of money is required, and various examinations are necessary. The advice by this advice system in consideration of both personal information and general economic conditions is very effective. It is. At this time, it is preferable that the property can be evaluated, and it is preferable to determine whether or not the selling price is appropriate based on various data on the property, and to include this in the determination of whether or not to purchase. In addition, it is also preferable that the user evaluate the property, including a video on the situation surrounding the property, which is changing from moment to moment, and have the user virtually experience the state of living in the property.

Further, in the center 20, by accumulating data on such advice, it is possible to know the tendency of the purchase of goods for each user and the like, and to reflect the tendency in the goods information providing service for each user. it can. It can also analyze consumption trends by age and gender, and can be used for production planning and market analysis.

[Health Management] Next, based on FIGS.
A system for personal health management will be described.
This system has a health information database 40 and a sensor 42 attached to the user, as shown in FIG.

The health information database 40 includes information on health examination data, past medical histories,
Information such as genetic information is stored. This health information database 40 may be provided in each hospital,
The center 20 may collectively hold those belonging to each user. The output of the sensor 42 may be transmitted to the center 20 in real time, or may be sent to the health information database 40 and stored at any time.

In such a system, as shown in FIG. 4, when the user has a meal, a meal menu is input from the user terminal 10 to the center 20 and transmitted (S2).
1). A system in which food materials, seasonings, and the like are converted into barcode data, which is read by a barcode reader and input is preferable. The center 20 acquires accumulated information such as health examination data, past medical histories, and genetic information from the health information database 40 in a hospital or the like where the user is attending (S22). In addition, the center 20 obtains current health information such as pulse, blood pressure, and body temperature in real time from various sensors 42 attached to the user's body (S).
23). The information from the sensor 42 is transmitted to the user terminal 10
May be transmitted to the center 20 via the.

The center 20 determines, based on the transmitted information,
It is determined whether the meal the user is trying to eat is appropriate (S24), and the determination result is transmitted (S25, S26).
Therefore, the user can determine whether or not the meal to be determined is based on the determination result.

Here, when the user has a meal, it is possible to receive advice on the menu. In this case, in S21, the user specifies any foodstuffs he or she particularly wants to eat, and requests the center to create a menu. The center 20, like S22 and S23,
S2 based on the user's health information and the current health information
In 4, S25, a meal menu is created and provided to the user. This meal menu specifies contents and quantity.

Further, in place of the meal menu, it is possible to receive advice on an exercise menu. In this case, in S21, the user transmits the exercise menu, and the center 20 determines whether the exercise menu is appropriate based on the user's health condition (S22 to S24). Then, the judgment result is transmitted for the exercise menu (S
25, S26). Therefore, the user can determine the exercise menu by referring to the determination result from the center 20. If the menu is NG, it is preferable to present an alternative.
It is also preferable to provide an exercise menu indicating what exercise should be performed and how much.

"Investment Support" Next, an example of application to an investment support system will be described with reference to FIGS.

In this system, as shown in FIG. 5, the company-related database 50 and the market trend database 5
Two.

The company-related database 50 is a database provided in a securities company, various think tanks, and the like, and stores past business results, new business plans, future earnings forecasts, and the like for various companies. The market trend database 52 stores interest rate trends, stock market trends, and the like.

In such a system, as shown in FIG. 6, when the user considers an investment case, the user terminal 1
From 0, the investment brand considered in the center 20 is inputted and transmitted (S31). The center 20 obtains various information about the investment brand company from the company-related database 50 (S32). Further, the center 20 obtains information on the entire market such as interest rate trends from the market trend database 52 (S33).

The center 20 comprehensively determines from the obtained information whether or not the brand which the user intends to invest is appropriate (S34), and transmits the determination result (S35,
S36). Therefore, the user determines whether to make the investment targeted for determination based on the determination result.

Here, investment projects include stocks, gold, foreign currency deposits, futures transactions, and the like. Further, when the judgment is NG, it is preferable to present an alternative.

Further, when investing, it is necessary to take into account the user's financial condition and the like. Therefore, in combination with the above-described product purchase processing, it is preferable to determine whether to invest in consideration of the user's economic condition. As a result, the investment can be determined in consideration of the characteristics of the user and the risk tolerance. In addition, an investment may be proposed as one of product purchases.

In particular, the center 20 is neither a securities company nor a commodity trading company. Therefore, although various types of information are used, advice from a neutral standpoint is possible.

"Opening Support" Next, an example of application to an opening support system will be described with reference to FIGS. 7 and 8. FIG. In this system, as shown in FIG.
0 and a market trend database 62.

The business-related database 60 stores the future prospects of various businesses, data on companies existing in each region,
It stores data to be considered when starting a business, such as the size of the regional population and the purchasers of various products. The business-related database 60 is described as one database in the figure, but usually exists at a plurality of information providing companies. The market trend database 62 stores interest rate trends, market trends for various products, and the like.

In such a system, as shown in FIG. 8, when a user attempts to open a business in a certain area, the user terminal 10 transmits the business area and business contents (S41). The center 20 obtains data from the business-related database 60, such as the future potential of the business to be developed, the presence or absence of local competitors, the population size of the region, the state of the main purchaser, and the like (S42). The center 20
Obtains information on interest rate trends and markets targeted for business from the market trend database 62 (S43).

The center 20 comprehensively determines from the obtained information whether the business that the user is going to open is appropriate (S44) and transmits the determination result (S4).
5, S46). Therefore, the user determines whether or not to open a business based on the determination result.

Here, when starting a business, the judgment often differs depending on the personal qualities of the user. Therefore, it is preferable to make the determination in consideration of personal information such as the history of the user. Alternatively, the user may be asked various questions to determine the user's qualities before making the determination. further,
If the qualification is determined, guidance for opening the business suitable for the user may be provided. It is also preferable to consider the user's funding status and the status of ownership of intangible property such as patents.

The same judgment can be made not only for individual business opening but also for an existing company entering a new business. In this case, it is preferable to consider the margin of the main business.

Further, it is also preferable to provide a proposal for opening a business to a user in accordance with various information of the user, instead of determining a proposal for the opening of a user.

[0054]

As described above, according to the present invention,
Appropriate advice can be provided for various proposals by the user.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a configuration of an advice system for purchasing a product.

FIG. 2 is a flowchart illustrating an operation of advice regarding product purchase.

FIG. 3 is a diagram showing a system for providing advice on health management.

FIG. 4 is a flowchart showing an operation of advice on health care entry.

FIG. 5 is a diagram showing a system for providing investment advice.

FIG. 6 is a flowchart showing an operation of advice on investment.

FIG. 7 is a diagram showing a system for providing advice on opening a business.

FIG. 8 is a flowchart showing an operation of advice on opening a business.

[Explanation of symbols]

10 user terminals, 12 networks, 20 centers, 22 processing units.

Claims (7)

[Claims] Claims 1. An advice system for presenting advice on a user's future behavior, comprising: obtaining information on a user's economy and living conditions together with general economic / social information; An advice system characterized by creating advice corresponding to a purpose and providing the created advice. 2. An advisory system for providing advice on a user's future behavior. The advisory system obtains general economic and social information as well as information on the user's economy and living situation, and based on the obtained information, the user's economy. An advice system characterized by creating advice on purchasing a product or service corresponding to a purpose and providing the created advice. 3. An advisory system for providing advice on a user's future behavior, comprising acquiring financial-related information in general economy and society and financial-related information of a user, and based on the acquired information, a purpose of the user. An advice system characterized by creating advice on future expenditures corresponding to the above and providing the created advice. 4. An advice system for providing advice on a user's future behavior, comprising obtaining medical-related information of a user, creating advice on a user's diet or exercise menu based on the obtained information, An advice system characterized by providing created advice. 5. An advice system for providing advice on a user's future behavior, which acquires investment-related information in the general economy and society and creates investment advice corresponding to the user's purpose based on the acquired information. And provide the created advice. 6. An advisory system for providing advice on a user's future behavior, comprising acquiring business-related information in the general economy and society, and providing future business advice corresponding to the user's purpose based on the acquired information. An advice system characterized by creating and providing the created advice. 7. The advice system according to claim 1, wherein the information is obtained from an external database via a network.