JP2003099589A - Optimal commodity/service providing method and system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an optimal commodity providing method and system by which a user himself/herself constructs and proposes an optimal commodity along his/her sense of value and desire by utilizing the knowledge of a specialist and makes the company to provide it and by which the company finds prospective customers securely and efficiently to grasp the need of customers. SOLUTION: Self explanation information transmitted from the information transmitter and receiver 2 of the user is received by the information transmitter and receiver 4 of a specialist team coping with the information with a prescribed specialist in a center to propose an optimal financial commodity and service plan for obtaining the development of comprehensive and new financial commodity and service including a view and optimal solution analyzed multi- dimensionally by aggregating the knowledge of specialists in respective fields with the prescribed specialist in a center based on the self-explanation information. Then, a financial facility, etc., capable of realizing this is recruited.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an optimal product / service providing method and an optimal product / service providing system, and more particularly to life insurance, non-life insurance, investment trust, time deposit,
When buying financial products such as loans or products such as buildings such as new homes and remodeling homes, we will consider the user's life plan, dreams, hopes and reality and build and provide the most appropriate product The present invention relates to an optimal product / service providing method and an optimal product / service providing system suitable for.

[0002]

[Prior Art] After the collapse of the bubble economy, the environment surrounding the people is low economic growth, a decline in the employment rate, a financial big bang,
A wave of rapid changes, such as major reforms of the pension and social security system, is pouring in, and the principle of self-responsibility is being imposed on the people.
On the other hand, the view of life and values held by individual users are diversifying, and the importance of life planning (life planning) and its method for satisfying such view of life and values at a self-responsibility is questioned. Have begun. However, in reality, the user does not know where, what, or how to discuss such a problem.

For example, when trying to make a life plan in consideration of various conditions such as child support, life after retirement, asset management, inheritance measures, and future dreams, the real estate is originally It is preferable to consider a money portfolio that considers a combination of total asset portfolio and financial assets that covers all assets including. However, the stance of financial institutions involved in asset allocation and asset management is
With the composition that only the company's superiority over other companies is emphasized, and the product and service information is transmitted by the company's logic with overwhelming quality and quantity, and the user receives it passively. there were. There is little room for users to reflect their sense of life and values in financial and insurance products, etc. based on their own responsibility, but rather, banks, insurance companies, securities companies, etc. are engaged in a battle to acquire assets for one consumer. No
There was no discussion or coordination among financial institutions to achieve the user's dreams and wishes most efficiently. Therefore, the user can make a judgment only by the advice of a bank clerk, a securities person, an insurance solicitor or the like he or she has known, and it cannot be said that the user is neutral.

Currently, the reorganization of the banking and insurance industries is progressing, and mergers of banks, life insurance companies, non-life insurance companies, etc. are being actively carried out. However, it cannot be said that the convenience of the user is the first priority. In fact, no matter which bank you deposit in, the interest rates are almost the same and the services are similar.

On the other hand, looking at the building industry, buying a house is one of the biggest purchases in life for the user. There should be user's attention and view of the house in each of the above,
In reality, the building maker proposes only the products and technologies that the company is good at, focusing on the company's own profit, and the user has to choose from a limited selection. In addition, when purchasing real estate, taxes are generated at the time of real estate acquisition, real estate holding, and real estate sale, which is one of the important concerns for users. He didn't take into consideration the proposal, and had to search for a tax accountant who was familiar with real estate.

As described above, in general, when a user purchases a desired product or service, there are various needs, but the product or service proposed or developed by a company is sold in a store, a leaflet advertisement, a magazine, or a sales person. The only option was to obtain information that was sent unilaterally via the Internet, etc. and purchase it from a limited selection of options.

[0007]

However, in the conventional purchase system for goods and services, there is a system in which a company proposes a product or service by itself and sends information from the company to provide the product. Since it has been taken, the "profit" of the company is inevitably prioritized, and there are many products and services that are neglected for the benefit of the user.
It was extremely difficult to purchase products and services that truly match the individual user's view of life and values. However, some companies try to provide products and services that match the user's tastes by conducting questionnaires and market research, but in reality, it is possible to grasp the trend of a very general fashion. However, it is difficult to accurately grasp the needs of individual users, and in the end it has been forced to prioritize the "profit" logic of companies.

[0008] Taking life insurance, which is one of the important components in life planning, as an example, in reality, the insurance company that I knew might say "If this is your age, this insurance" and the gender and age of the user. It was often the case that insurance that responded was recommended almost unilaterally, and that sales were added as tax measures, and that the contract was reached without sufficient explanation. On the user's side, it was the utmost effort to insist on small requests such as monthly insurance premiums, and it was a company-led contract.

[0009] Some insurance companies prepare insurance products according to the purpose of use, and a salesperson selects and recommends the product that the user thinks is the best for the user. , 3 types of "endowment insurance" which is a combination of insurance and savings, and "lifelong insurance" which is a lifelong guarantee type.
Although the proposals are made by combining the types by appropriately changing the ratio, the product of one company has a limit in proposing an optimal life plan, and the product of the insurance company is insufficient. In other words, it cannot be said that the products and services that truly reflect the situations and wishes of individual users are provided.

In addition, in investment trusts, in order to solicit investors to sell investment trusts held by sales companies in order to earn commissions and switch to new products in a short period of time, The ratio is about 25% for US mutual funds,
The surrender rate for stock investment trusts in Japan has reached 104% in 1999, highlighting the current status of companies' priority on profits.

As another example, in the construction of a house, which is pointed out as an uncertain industry, the company side controls the architect, contractor, materials, construction method, service life, design, price, etc. There was only limited room to choose and negotiate, such as design and price. The choices can only be selected from the contents decided in advance by the company, and at most reflect general tastes, and it cannot be said that each user's dreams and view of housing are sufficiently reflected. . Users always carry the big risk of finding hidden defects after they acquire a house, or not knowing that they are not what they expected. In fact, housing-related legal counsel was sent to the National Life Center etc.
The number of homes has increased to more than three times in the last 10 years, and defective homes have become a major social problem, causing problems.

It is an undeniable fact that such a problem is due to the lack of knowledge of the user, but the company side does not make an effort to fill the overwhelming knowledge gap with the user, and such knowledge There are no companies whose business is to bridge the gap. Rather, some companies even take advantage of the ignorance of users and dare to recommend highly profitable products. Even if one company provides users with specialized knowledge, it will only provide narrow knowledge in a limited field, and it will be impossible to provide explanations and advice assuming a total life plan.

On the other hand, from a different point of view, there is no means for a company to be able to ascertain exactly what a product or service that individual users are really pleased with, and they are considering purchasing products. The problem exists that there is no way to find prospects efficiently.

The present invention has been made in order to solve at least one of the problems in view of the above problems, and the user does not simply purchase the product or service provided by the company. On the contrary, the user's view of life,
While utilizing the knowledge of specialists, we can build and propose optimal products and optimal services and provide them to companies so that they can realize their values, dreams, and hopes to the maximum extent. It is an object of the present invention to provide an optimal product / service providing method and an optimal product / service providing system capable of efficiently finding prospective customers and grasping individual customer needs.

As a result, it is possible to create a "market centered on the user" for the first time in history, rather than the "market where companies enclose users" which is being actively performed.

[0016]

In order to provide products and services, the present invention receives advice from experts related to desired products and services, and utilizes the expert knowledge to provide users' dreams, hopes, Values and real asset situation,
Propose optimal products / services that can be considered and examined from all aspects of problems, etc. from multiple perspectives, disclose information about the optimal products / services to affiliated companies, and provide the optimal products / services, or We will openly recruit companies that can provide value equivalent to products and services, select companies that the user wants to negotiate from among the applicant companies, and
It involves negotiations and actual contracts for the purchase of services.

Specifically, the personal information transmitted from the user by connecting the information transmitting / receiving device of the user, the information transmitting / receiving device of the expert and the information transmitting / receiving device of the company through the communication network such as the Internet centering on the WWW server. And a database that stores self-explanatory information including hope, and views based on self-explanatory information sent from experts,
A database that stores optimal product / service proposal information including an optimal solution and a corporate database that stores the contents of providable products / services on the company side for the proposal of the optimal product / service are connected to the WWW server, Optimal products and services are constructed and provided while exchanging information via communication networks.

In general, "commodity" and "service" have different concepts, but for the sake of convenience in this specification, the concept of "service" is included in the concept of "commodity" to refer to "commodity etc." In some cases, it will be explained.

The feature of the invention according to claim 1 of the present invention is that the self-explanatory information storage unit receives the self-explanatory information including the user's dream and values of life and personal information transmitted from the information transmitting / receiving device of the user. And a step of transmitting the self-explanatory information to an information transmitting / receiving device of a team of experts in a neutral position, in which a predetermined expert mainly responds, and a predetermined expert based on the self-explanatory information. Optimal product / service proposal that requires the development of comprehensive and new products / services, including opinions and optimal solutions, etc. that are multifaceted by gathering the knowledge of experts in various fields and playing a central role in responding to users And storing it in the optimum product / service plan information storage unit, and at least the information necessary for public offering from the company among the self-explanatory information and the optimum product / service plan information. A step of publishing through a network, comprising the steps of recruit via a communication network company can provide products and services implemented or equivalent value optimal products and services proposed on the basis of the information disclosure,
Details of transmitting the applied company information to the user's information transmitting / receiving device, notifying the result to the negotiation right acquisition company selected by the user among the application companies, and details of the optimal products / services for the negotiation right acquisition company Transmitting the information via the communication network.

The invention according to claim 3 is characterized in that the optimum product / service providing server transmits self-explanatory information including the user's life dreams and values and personal information transmitted from the user via the communication network. It receives and sends this self-explanatory information to a specialist team in a neutral position centered on a predetermined expert, and based on the self-explanatory information, the predetermined expert plays a central role in responding to the user. Receives information on optimal product / service proposals that require the development of comprehensive and new products / services, including views and optimal solutions that have been multi-dimensionally analyzed by gathering the knowledge of field experts Information and at least the information necessary for public offering from the company out of the optimum product / service plan information are disclosed through a communication network, and based on this information disclosure, the optimum product / service is proposed.
We openly invite companies that can realize a service proposal or provide products and services of equivalent value through a communication network, negotiate with the companies that have applied, and select the optimal products and services selected from those companies. The point is to send detailed information to the companies that provide it.

Further, according to the invention of claim 1 or 3, based on the user's self-explanatory information including the user's dreams, wishes, and personal information, a real problem caused by the expert team is solved. Optimal product / service proposals including solutions that take multi-faceted consideration into consideration are proposed, so it is possible to propose the most realistic products / services that meet the user's wishes and lead to development. Since a public offer is made for companies that can realize service proposals, it is possible to connect users with companies that can better understand user values from the user's standpoint. Therefore, it is possible to provide optimal products and services for the user in a fair market centered on the user based on the information transmitted from the user side, and also for companies, the products and services truly desired by the user can be provided. Understand and find prospects efficiently.

The feature of the invention according to claim 2 of the present invention resides in that, in claim 1, after the user receives the applicant company information by the information transmitting / receiving device, the predetermined information is transmitted through the communication network while referring to the applicant company information. It is further equipped with the step of selecting a candidate company based on the advice of a team of specialists who are mainly experts.

By adopting such a configuration, when selecting an applicant company, it is possible to decide a candidate company while receiving advice from a team of experts, so that the optimum product / service can be determined based on the specialized knowledge. It is possible to select the candidate company to be provided without error.

[0024] A feature of the invention according to claim 4 of the present invention is that the information transmission / reception device owned by the user, the information transmission / reception device possessed by a team of experts mainly corresponding to a predetermined specialist, and the information transmission / reception device possessed by a company. A communication control means for controlling transmission / reception of various information transmitted / received by the user, and a self-explanatory information storage section for storing self-explanatory information including a life dream, values and personal information transmitted from a user's information transmitting / receiving device,
And the opinions and optimal solutions, etc., which are analyzed multi-dimensionally by gathering the knowledge of experts in each field in the expert team, responding to the user mainly by a predetermined expert based on the self-explanatory information It has an optimum product / service proposal information storage unit that receives and stores optimum product / service proposal information that requires comprehensive and new development of new products / services. Optimal product / service construction means to be provided, open call for proposal disclosure means for disclosing information necessary for corporate public offering among the self-explanatory information and the optimum product / service proposal information through a communication network, and the optimum product / service A method for publicly recruiting companies that can realize the proposal or provide the products / services having the same value as the optimal product / service proposal through the communication network. Related to the negotiation company selection means for receiving the company information applied for by the company public offering means and selecting the company from which the user wishes to negotiate, and the provision of the optimal product / service between the selected company and the user It has a negotiation means for exchanging detailed information and other negotiations via a communication network, and an information processing control means for appropriately processing various information transmitted and received by the communication control means and controlling the entire system.

By adopting such a configuration, a team of specialists mainly consisting of predetermined experts such as financial planners, etc. based on self-explanatory information and specialized knowledge is provided by the optimum product / service construction means. Build and propose a service proposal, disclose the information necessary for public offering by means of public offering, and realize the optimal product / service proposal by the corporate recruitment means, or provide products / services having the same value as the optimal product / service proposal. We will publicly offer companies that can be provided, select companies that can negotiate with the user from the companies that have applied through the negotiation company selection means, and use the negotiation method to select detailed information on the provision of optimal products and services between the companies and users. Since exchanges and other negotiations are carried out, the user's wishes, dreams, values, etc. are reflected to the maximum extent. Realistic products and based on the expertise
Services can be provided by companies,
As a company, the needs of users can be surely grasped, and prospective customer information can be easily obtained.

Further, the feature of the invention according to claim 5 is that in claim 4, the negotiation company selecting means refers to the applicant company information stored in the publicly recruited company information storage section by the user via the communication network. On the other hand, the point is that candidates for companies that wish to negotiate are selected based on the advice of a team of specialists who mainly deal with prescribed specialists.

By adopting such a configuration, when selecting an applicant company, it is possible to decide a candidate company while receiving advice from a team of experts, so that the optimum product / service can be selected based on the specialized knowledge. It is possible to select the candidate company to be provided without error.

The invention according to claim 6 is characterized in that, in claim 4 or 5, the optimum product / service construction means further includes self-explanatory information, optimum product / service plan information, a user and an expert team. It has a user chart creation program that controls the creation of charts that sequentially record the history and solutions leading to the construction of optimal products and services including communication information with the user chart database created by this user chart creation program. Various databases that accumulate current and future maintenance information about optimal products and services constructed based on the user chart database, and the data of these databases are used to grasp the status of products and services and maintenance information. Product management such as simulation and graphing to understand In that it includes the best product etc. management and maintenance information detection means and a maintenance program.

By adopting such a configuration, it is possible for the user to grasp the current and future states of goods and services freely purchased at any time via the communication network and to confirm the purchase history. You can check, modify, improve, etc. your life plan, or you can maintain it so as not to damage its financial value.

The feature of the invention according to claim 7 is that the information transmission / reception device owned by the user, the information transmission / reception device possessed by a team of specialists corresponding mainly to first-class architects, and the information transmission / reception device possessed by construction related persons. Communication control means for controlling transmission / reception of various information transmitted / received by the user, and a self-explanatory information storage unit for storing self-explanatory information including a dream of life, values and personal information transmitted from a user information transmitting / receiving device, and Based on the self-explanatory information, a first-class architect plays a central role in responding to the user, integrating the knowledge of experts in each field in the expert team, and comprehensively including views and optimal solutions etc. Also, it has an optimum building information storage unit that receives and stores optimum building plan information that also requires the development of new buildings, and is the best to propose the optimum building plan information via the browsing site. Construction means for constructing a building and the like, and means for disclosing the public construction proposal for exposing the information necessary for public recruitment of architects and contractors among the self-explanatory information and the information on the optimum construction proposal through a communication network, and the optimum construction. Architect-related public recruitment means that publicly recruits architects and contractors who can realize a building proposal or can provide a building having the same value as the optimum building proposal through a communication network, and apply by this building-related public recruitment means Negotiation construction-related person selecting means for receiving the construction-related person information that has been received and selecting the architect and the contractor the user desires to negotiate from among them, and the optimum construction between the selected construction-related person and the user. Appropriate processing of various information transmitted and received by the building negotiation means for exchanging detailed information regarding provision of goods and other negotiations via a communication network, and the communication control means. In that it has an information processing control means for controlling the entire Rutotomoni system.

By adopting such a configuration, the team of experts constructs and proposes the optimum building plan based on the self-explanatory information and the expert knowledge by the optimum building construction means, and the building open call for proposal project opening means. Disclosure of information necessary for public recruitment of construction related persons, publicly recruiting construction related persons who can realize the optimal building plan by means of public recruiting of building related persons or can provide buildings with a value equivalent to the optimum building plan, and negotiate Optimal between the architect and the contractor selected by the building negotiation means and the user by selecting the architect and the contractor who can negotiate with the user from among the architects and contractors who have applied by the building related person selection means. Since detailed information on building provision is exchanged and other negotiations are conducted, multi-faceted expertise while maximizing user's wishes, dreams, values, etc. It is possible to provide a realistic architecture that is based on identification of construction-related business, also possible to reliably identify the needs of the user as a building-related business, prospects information readily available.

The invention according to claim 8 is characterized in that, in claim 7, the negotiation construction-related person selecting means has a user stored in a public-recruitment construction-related person information storage unit via a communication network. The point is that the first-class architect selects the candidate for the negotiating construction related person based on the advice of the expert team that mainly responds while referring to the related person information.

By adopting such a configuration, as in the case of selecting an architect in charge of basic design, selecting a contractor based on the basic design and selecting a mortgage handling organization, In selecting an appropriate candidate from among them, it is possible to make a decision with the advice of a team of experts, so that it is possible to select a candidate who is entrusted with the provision of the optimum building based on expertise.

The invention according to claim 9 is characterized in that self-explanatory information including a user's life dreams, values, and personal information is received and stored in a self-explanatory information storage unit, and the self-explanatory information is transmitted. Means and a predetermined expert based on the self-explanatory information, responds to the user and collects the knowledge of experts in each field in the expert team, and views and optimal solutions analyzed in a multifaceted manner. Optimal product / service proposal information that requires comprehensive and new product / service development including information storage means and a means for transmitting optimal product / service proposal information and public offering of the optimum product / service proposal Means for storing and transmitting the usage information in the open item information storage unit, and providing the optimum product / service proposal or a product / service having the same value as the optimum product / service proposal. Means for receiving the application information of a company that can provide the service, storing it in the publicly offered company information storage unit and transmitting it, and receiving detailed information for negotiation regarding the provision of the optimal product / service and storing it in the negotiation information storage unit. And the means for transmitting.

By adopting such a configuration, the received self-explanatory information is transmitted to the expert team,
The team of experts will use the self-explanatory information
Propose a service proposal, receive this optimal product / service proposal information, disclose the information necessary for public offering, receive the public offering information, and let the user select a negotiating company. You can negotiate to offer.

The features of the invention according to claim 10 are mainly a means for transmitting and receiving self-explanatory information including a user's life dreams, values and personal information, and a predetermined expert based on the self-explanatory information. Optimum for the development of comprehensive and new products and services including opinions and optimal solutions that are multifaceted by integrating the knowledge of the experts in each field in the expert team Means for transmitting and receiving product / service proposal information, disclosure means for disclosing public offering information on the optimum product / service proposal, and providing the optimum product / service proposal or a product having a value equivalent to the optimum product / service proposal・ It has a public recruiting means for sending and receiving application information of companies that can provide services, and a negotiating means for sending and receiving detailed information for negotiation regarding the provision of the optimal products and services. .

By adopting such a configuration, the received self-explanatory information is transmitted to the expert team,
The team of experts will use the self-explanatory information
Propose a service proposal, receive this optimal product / service proposal information, disclose the information necessary for public offering, receive the public offering information, and let the user select a negotiating company. You can negotiate to offer.

[0038] The feature of the invention according to claim 11 is that in claim 10, when the management information transmission command or the maintenance information transmission command of the optimum product / service is received, the self-explanatory information and the optimum product / service plan information and the user are received. And access management information or maintenance information by accessing various databases constructed based on the user chart database that sequentially records the history and solutions that lead to the construction of optimal products / services including communication information with the expert team. The point is that it has a means for ascertaining management / maintenance information for optimal products.

By adopting such a configuration, it is possible to grasp the circumstances leading to the purchase of the optimum product / service purchased by the user and the current or future situation of the optimum product / service. confirm,
It can be modified, improved, etc., or maintained so as not to impair the property value.

[0040]

BEST MODE FOR CARRYING OUT THE INVENTION An example of an embodiment of an optimum product / service providing method and an optimum product / service providing system according to the present invention will be described below with reference to the drawings. The optimum product / service providing system 1 in this embodiment is related to a user who desires to purchase a product / service and a product / service, as shown in the overall schematic configuration diagrams of FIGS. 1 and 2 and the detailed block diagram of FIG. Information transmission / reception devices 2, 3 and 4 such as personal computers, mobile devices, internet-connected devices, etc. owned by expert teams and companies that provide products / services, and at least a WWW server 5 and a database that are optimum product / service provision servers. The optimal product / service providing device 7 equipped with 6 is connected by the communication network 8 to promote information exchange on the Internet to propose the optimal product / service for the user, and publicly invite companies that can provide the optimal product / service. It is a system to let.

As shown in FIG. 3, the optimum product / service providing device 7 mainly stores various information transmitted / received to / from the information transmitting / receiving devices 2, 3 and 4 respectively possessed by the user, the expert team and the company. Communication control means 9 such as a modem or a router for controlling transmission / reception, and self-explanatory information transmitted from the user's information transmitting / receiving device 2 are transmitted to a team of experts, and the optimum product based on the self-explanatory information and the professional knowledge is provided.
Optimal product / service construction means 10 for constructing and proposing a service proposal, and public offering case disclosure means for disclosing information necessary for corporate public offering among the self-explanatory information and the information of the optimum product / service proposal through the communication network 8. 20, a company public offering means 30 for publicly offering through the communication network 8 a company capable of realizing the optimum product / service proposal or providing a product / service having a value equivalent to the optimum product / service proposal, and the company public recruiting means. Negotiation company selection means 40 for selecting a company that the user desires to negotiate from among the companies that have applied by 30, and the exchange of detailed information regarding the provision of optimal products and services between the selected company and the user, and other negotiations. And the communication control means 9
And an information processing control means 60 for appropriately controlling various information transmitted and received by the system and controlling the entire system.

Hereinafter, more specific configurations and actions of each of the above-mentioned components will be described. The optimum product / service construction means 10 includes a self-explanatory information storage unit 11 for storing personal information such as name, age, assets, etc. sent from the user and self-explanatory information including dreams and wishes for the product / service.
Based on the self-explanatory information, a team of experts will identify problems and analyze them in a multi-faceted manner to propose solutions.
A user who creates a medical record in which the service plan information storage unit 12 and the self-explanatory information, the optimum product / service plan information, the history of the optimum product / service construction such as the interaction between the user and the expert team, and the solution are sequentially recorded. It has a chart creating program 13 and a user chart database 14 created by this program 13.

Further, the public offering item publication means 20 includes a public offering information storage unit 21 for storing the minimum necessary public offering information extracted for making a public offering of a company among self-explanatory information and optimum product / service proposal information. , And a public site program 22 for publicizing as a home page that is widely accessible to general companies. Further, as a method of disclosing the public matter, in addition to the method of disclosing by the public site, a program for automatically transmitting by e-mail to a registered company or the like may be prepared and made public.

The public offering means 30 is a public offering dedicated site program 31 for opening a public offering dedicated site that accepts public offerings from a wide range of general corporations, and a public offering enterprise information storage for storing information on companies applying through the public offering dedicated site. And a part 32. On the public offering site, it is possible to receive, in addition to the company information to be applied, the outline content of products and services that can be provided by the company, so-called rough presentation information. It should be noted that a program that can receive public offering mails may be set up in addition to the public offering dedicated site, and the outline contents of the available products / services may be sent by electronic mail. When accepting a public offering by electronic mail, it is preferable to configure a program in which the public offering mail to be transmitted is automatically written in the public offering company information storage unit 32. In addition, the public offering conditions are not limited to companies that can realize the optimal product / service proposal, but also companies that can provide products / services with the same value as the optimal product / service proposal by providing conditions for providing supplementary services. To be able to grasp the actual company situation,
Alternatively, it is preferable that a new product / service can be constructed separately.

Further, the negotiated company selection means 40 selects a candidate company while the user refers to the publicly offered company information stored in the publicly offered company information storage section 32 and further receives advice from an expert team via the Internet. Then, the company wishing to negotiate will be notified of this by making an announcement on the public offering site or by e-mail or other method. Therefore, the selection program 41 is prepared as needed.

Further, the negotiation means 50 is a negotiation-dedicated site program 51 for opening a negotiation-dedicated site for exchanging detailed information regarding the provision of optimal products / services and other negotiations between the selected company and the user. The negotiation information storage unit 52 stores the negotiation information exchanged on the negotiation site.

The information processing control means 60 corresponds to a central processing unit such as a CPU, and appropriately processes various information transmitted and received by the communication control means 9 and manages data in each storage section. Information processing control such as reading out a predetermined program from the storage unit and driving control is performed.

The optimum product / service providing system 1 of the present embodiment has, in addition to the above-mentioned main constituent means,
As shown in FIG. 3, a self-study simulation experience means 70 is provided so that the user can acquire knowledge about desired products / services and experience the simulation. The self-study simulation experience means 70 includes a self-study user information storage unit 71 that stores simple information about the user, a description in a format for asking the user an answer and a three-dimensional display, or simulated in three dimensions by the user's operation. And a self-study program 72 for opening a self-study site for creating products and services.

Further, the self-study simulation experience means 70 is an expert advice means 73 for receiving simple advice from an expert when the user has a question or question.
Is also provided, and simple advice is provided on the site or by using e-mail or the like by displaying an intention to request expert advice on the self-study site.

Further, in the optimum product / service providing system 1 of the present embodiment, the expert's staff is visited according to the user's request, or the user's current situation is analyzed by having a conversation on the net, and problems are presented. An expert home delivery means 80 is provided. This expert home delivery means 80
Is provided with a home delivery information storage unit 81 that stores the home delivery reservation information of the user and the exchange information with the expert, and a home delivery program 82 for receiving the home delivery reservation of the expert. As a result, the user can understand the necessary items, problems, etc. when purchasing the product / service by a simple means.

Further, in the optimum product / service providing system 1 of the present embodiment, based on the user medical record database 14 for each user created by the user medical record creating program 13, current and future management information on products / services and A product management / maintenance information grasping means 90 capable of simulating maintenance information such as maintenance / inspection is provided. For example, a financial database, a real estate asset database, an inheritance / business succession database, an affiliated company / product information database, etc. are constructed. For deposits and savings, you can obtain information such as principal, interest, tax rate, and interest amount, and for foreign deposits, currency, principal, exchange rate at time of deposit, operating period, deposit interest rate, exchange rate at maturity. It is possible to grasp information such as the above, and to obtain maintenance information such as the inspection and repair times for houses, etc. Further, a product etc. management / maintenance program 92 for processing the data of each database 91 is stored so that future trends of mortgages, insurance, and financial products can be grasped by simulation or graphing. Has become.

Next, the optimum product / service providing method of this embodiment will be described. The optimal product / service providing method according to the present embodiment receives the self-explanatory information of the user transmitted from the information transmitting / receiving device 2 of the user, stores the self-explanatory information in the self-explanatory information storage unit 11, and stores the self-explanatory information in the expert team. The self-explanatory information is transmitted to the information transmitting / receiving device 3, receives the information on the optimum product / service proposal proposed by the expert team based on the self-explanatory information, and stores it in the optimum product / service proposal information storage unit 12. And, at least the information necessary for public offering from the company among the optimum product / service proposal information is disclosed through the communication network 8, and the optimum product / service proposal is realized or a product / service having an equivalent value is provided based on this information disclosure. Publicly recruit companies that can be provided, send the company information of the applicant to the information transmitting / receiving device 2 of the user, and select the company that the user wants to negotiate among the applicant companies. The user and the selected company to exchange detailed information about the optimal product / service, and the user and the selected company conclude a contract for the purchase of the optimal product / service to optimize the optimal product / service for the user. Is a method of providing.

Further, the optimal product / service providing method of the present embodiment is also provided with a stage in which the user can acquire knowledge about a desired product / service and have a simulated experience. In this case, the user is asked to enter the information necessary for the self-study simulation experience, the user is asked a question according to the course selected by the user, the score result is transmitted based on the answer, and the explanation or the three-dimensional display is given by the three-dimensional display. The original pseudo product is provided on the output screen of the user.

Furthermore, when the user has a question or question by taking the self-study simulation experience, a simple advice by an expert is provided on the site or by using e-mail or the like according to the user's request.

Further, when the user desires to raise the awareness of the problem and recognize his or her current situation or problem through a self-study simulation experience, the expert can be requested by making a specialist home delivery reservation. The staff can be visited directly or communicated via the Internet 8.
This makes it possible to provide a report that analyzes the current situation of the user and points out problems.

Further, in the optimum product / service providing method, an asset management database such as a financial database, a real estate asset database, an inheritance / business succession database, and a real estate maintenance database are created based on the user chart database 14, and the user's request It provides the financial asset information and real estate maintenance information of the user via the Internet 8 or simulates and provides taxes, cancellation fees, prepayment effects and the like.

As described above, according to the optimum product / service providing system 1 and the optimum product / service providing method of the present embodiment, it is possible to specialize on the basis of the user's self-explanatory information including the user's dreams, wishes, and personal information. Optimal product including solutions that consider realistic problems by the house team from various aspects
Since a service proposal is proposed, it is possible to propose a product / service that is most realistic and in line with the user's wishes, and lead to development. In order to publicly invite companies that can realize this optimal product / service proposal, It is possible to connect users with companies that can better understand their values from a standpoint, send information from users, and provide optimal products and services for users in a fair market centered on them. In addition, it is possible for companies to truly understand the products and services desired by users and efficiently find prospective customers.

By using the self-study simulation experience means 70, necessary knowledge about life design and products / services for fulfilling one's dreams and wishes can be acquired, or the situation after purchase can be simulated in three dimensions. You will be able to experience and imagine your dreams and hopes as being realistic.

Further, by using the asset maintenance / management information grasping means, the user can freely grasp the present asset situation and future asset situation through the communication network 8 and confirm and correct the life plan. , Can be improved.

The optimum products / services include not only products and services such as financial products, insurance products, financial services, and real estate that have a great influence on the life planning of users, but also other medical services, funeral services, and agricultural products. It includes various products and services that have an opaque aspect such as services to be provided, or that reflect the user's view of life and values and require expert knowledge. In particular, in recent years, there are users who are particular about funerals that conclude their lives, and funerals are becoming more important as one of life plans. Further, the fee setting regarding the funeral is not always clear to the user, and the form of the funeral can only be selected from the predetermined contents. Therefore, by using this embodiment, the user can transmit information from the user's point of view while borrowing the knowledge of the expert, and can determine the desired funeral by himself / herself.

Regarding medical services, care services for the elderly, etc. will need to be considered as life plans for old age, and transparency and reliability are ensured between the medical service provider and the patient who is the user. In order to fill the inconvenience caused by the disparity in knowledge, a system that sufficiently reflects the demands from the patient is required.

Further, regarding food products such as agricultural products, many users are particular about safety, quality, taste, etc., but in reality, most of them are products lined up in stores. Certainly, safety and quality are ensured within the framework of laws and regulations, but this does not necessarily reflect the wishes and commitments of users. Therefore, by using the optimal product / service providing system of the present embodiment, it is possible to obtain the knowledge of the expert about food products such as agricultural products and to close the knowledge gap between the user and the farmer,
It is possible to purchase the optimum food product by transmitting the food product that reflects the user's wishes and commitments from the user side.

The user includes not only an individual but also a company. This is because it can be applied to the purchase of corporate pension products and insurance products for corporations.

Next, the above-described embodiment will be described by showing more concrete examples. First of the present embodiment
In the embodiment, as shown in FIGS. 4 to 13, optimal financial products for constructing and proposing optimal financial products / services for each product such as life insurance, investment trusts, time deposits, loans, etc. to be provided by companies. It is the providing system 1A.

As shown in FIG. 4, the optimal financial product providing system 1A according to the first embodiment has a user information transmitting / receiving device 2 as shown in FIG.
A and the information transmitting / receiving device 3A of the expert team and the information transmitting / receiving device 4A of a financial institution are connected to the optimum financial product providing device 7A via the Internet 8A.

The professional team includes financial products such as financial planners, certified public accountants, tax accountants, lawyers and securities analysts. It is composed of specialists who are involved in the purchase of services.

As shown in FIG. 4, the optimum financial product providing device 7A has a communication control means 9 for controlling the information signals transmitted / received to / from the information transmission / reception devices 2A, 3A, 4A.
A, self-study means 70A for financial products such as life insurance, financial products, mortgages, inheritance, etc., and a simulation experience, and a specialist such as a financial planner visits or delivers home via the Internet at the request of the user. 80A of expert home delivery means for analyzing the current situation of the user and presenting problems, and self-explanatory information about the user such as personal information of the user, desired amount of pension payment, desired years of loan repayment, dream of life design, etc. Based on the above, a team of experts will provide the optimal financial product / service construction means 10A and the optimal financial product / service for solving the taxation, reality, and problems in various ways to build the optimal financial product / service for the user. A public offering plan for finance, etc., in which a project is opened to the public to open a publicly available project in order to publicly invite financial institutions, insurance companies, investment trust companies, etc. Disclosure means 20A, a public offering means 30A such as a financial institution that manages information by opening a dedicated public offering site for finance, etc., for proposed products / services of the applicant company, and negotiation for selecting and notifying the user's desired enterprise A financial institution selecting means 40A and a financial product etc. negotiating means 50A for providing a negotiation exclusive site for exchanging detailed information for providing optimal financial products and services between the selected company and the user. The information processing control means 60A for performing various controls such as various information processing and program activation for site opening, and a database based on user self-explanatory information and optimal financial product / service information It also has an asset maintenance / management information grasping means 90A capable of simulating and grasping the situation, tax, etc. in case of cancellation.

The self-study simulation experience means 70A sends a user information storage unit 71A for self-study of financial products, etc., which stores simple information about the user, and sends basic questions and application questions concerning financial products / services to the user, and selects the selected insurance. It consists of a financial product self-study program 72A for establishing a self-study site that simulates when and how much a product is paid. Furthermore, expert advice means 73 for receiving simple advice from experts
A is also prepared, and simple advice is provided on the self-study site or using e-mail or the like.

Further, the expert delivery service means 80A for finance, etc., has a delivery information storage unit 81A for storing the delivery reservation information of the user and the exchange information with the expert, and the delivery program 82A for accepting the delivery reservation of the expert. Is provided.

The optimum financial product etc. constructing means 10A comprises a self-explanatory information storage section 11A for storing self-explanatory information transmitted from a user, and an optimum product constructed and transmitted by a team of experts based on the self-explanatory information. The optimal financial product information storage unit 12A that stores the service proposal information, the self-explanatory information, the optimum product / service proposal information, and the history and solutions for building the optimum product / service such as the interaction between the user and the expert team. User chart creation program 13A for creating sequentially recorded charts, and this program 13
It has a user chart database 14A created by A. A team of experts builds how to combine insurance products, deposits, mutual funds, loans, etc. for the best users, and proposes optimal products and services for each.

In addition, the means 20A for public offering of financial matters,
It has an open matter information storage unit 21A that stores the minimum public offering information for public offering of companies, and a public site program 22A for publicizing as a home page that is widely accessible to financial institutions. In addition to the publication method by the public site, a program for automatically transmitting to a registered financial institution by electronic mail may be prepared and published.

Further, the public offering means 30A such as a financial institution uses the public offering dedicated site program 31 for opening a public offering dedicated site.
A and an information storage unit 32A for publicly offered financial institutions, etc. that stores information on financial institutions, etc. that apply through the public offering dedicated site. The public offering site can receive the outline of financial products and services that can be provided in addition to information about the financial institution to apply for. It should be noted that an outline content of financial products / services that can be provided may be sent by electronic mail.

Further, the negotiation financial institution selecting means 40A is
While referring to the publicly offered company information stored in the publicly offered financial institution information storage unit 32A, the user also receives advice from an expert team via the Internet, selects a plurality of candidate financial institutions, and so on. It will be announced on the site or notified by e-mail or other method. If necessary for this purpose, a financial institution selection program 41A is stored.

The financial product etc. negotiation means 50A is for opening a negotiation exclusive site for exchanging detailed information and other negotiations between the selected financial institution and the user and the provision of the optimal financial product / service. Financial product negotiation site program 51A and financial product negotiation information storage unit 52A for storing negotiation information exchanged on this negotiation site.
And have.

Further, the information processing control means 60A is a CPU
It corresponds to a central processing unit such as, and appropriately processes various information transmitted and received by the communication control means 9A, manages data in each storage unit, reads a predetermined program from the storage unit, and controls driving. Information processing control is performed.

Further, the asset maintenance / management information grasping means 90A
Is a financial database created based on the user chart database 14A, a real estate asset database, a inheritance / business succession database, an affiliated company / commodity information database, and the like, and a financial product for processing the data of each database 91A. A management program 92A is stored.

Next, a method of providing an optimum financial product / service using the optimum financial product etc. providing system 1A of the first embodiment will be described with reference to a flowchart and the like. FIG. 5 shows the overall flow from the start of use of the optimum financial product etc. providing system 1A by the user to the reception of the financial product / service.

First, when the user accesses the website using this system through the Internet 8A in step 1, the process proceeds to step 2 and the top page is transmitted from the WWW server 5A to the user. On this top page, a screen for explaining the importance of life planning is provided, and whether to use the self-study site for financial products such as financial product self-study means 70A for the user, the optimal financial product The selection information such as whether to use the optimal financial product etc. construction site which is the etc. construction means 10A is given.

When a signal for selecting the self-study site for financial products is received from the user, the process proceeds to step 3 and WW.
The top page of the self-study site for financial products is transmitted from the W server 5A. In the financial product self-study site, as shown in FIG. 6, the self-study user registration screen is transmitted from the WWW server 5A in step 3A, and the user's name (may be anonymous), gender, and the like in the registration screen in step 3B.
When the minimum necessary information such as age and family structure is input and transmitted, the WWW server 5A that has received the information stores the self-study user information in the self-study user information storage unit 71A (not shown) in step 3C. Step
Proceed to 3D and send the learning course selection screen to the user. In step 3E, the user selects a desired learning course from life insurance, financial products, mortgage, inheritance, etc.
Send to server 5A, WWW server 5A will step
On the 3rd floor, the questions according to the selected course are sequentially transmitted, and the user side transmits the answer to the questions transmitted at step 3G. If all these questions are answered, step 3H
At, the WWW server 5A gives the scoring results and explanations, and if necessary, explanations using three-dimensional images.

As the self-study question, for example, in the case of life insurance, a character reflecting the self-study user information appears, and question 1 "How much insurance premium do you think you will pay in your lifetime?" 2 "How many types of insurance do you think you have?" Question 3 "What is the probability of dying by the age of 60?" Question 4 "Payment of 1.79 million deaths per year However, what is the average amount of insurance money paid per case? ”Question 5“ In this case, how much insurance money will be paid at the age of 65? ” .

As another example, in the case of deposits and investment trusts, Question 1 “How much do you think the birth rate in Japan is?” Question 2 “How many people are over the age of 65?” Question 3 “How many workers do you think one pensioner is currently supported by in the Japanese pension system?” Question 4 “What is the best reason for increasing your money in the graph below?” Question 5 "The following graph explains the risks of increasing money. Please answer from the left in the order in which you enter ○" Question 6 "Prices, deposits, and stocks have each multiplied in the last 30 years. Question 7 "If you deposit 1 million yen at an interest rate of 0.3%, how many years will it be doubled?" Question 8 "When interest rates are low as they are today, when you make a deposit, it will be a fixed interest rate. Which one is selected for floating interest rate Is it advantageous? ”Question 9“ Please arrange the following deposits in order of safety. ”Question 10“ Please arrange the investment trusts in the safe order in terms of risk and return. ” The score results and explanations are used to give awareness of problems related to life planning.

Next, proceeding to step 3I of FIG. 6, the user is asked to perform self-diagnosis based on the scoring result and commentary, and if he / she wants to end here, it is ended by an end command, and another financial product / service is provided. If you want to learn about, go to step 3J and request the course selection screen, then go to step 3D
Then, the learning course selection screen is transmitted from the WWW server 5A. Also, if you have a question or a question as a result of self-diagnosis and want to receive expert advice, proceed to step 3K to request expert advice, and the WWW server 5A sends a question input screen in step 3L. It When the user sends a question mail in step 3M according to the screen, the question mail is sent to the expert and the answer mail is sent to the user in step 3N. Thus, the financial product self-study program 72A ends.

Then, returning to FIG. 5, in step 4,
User financial products by financial planners
If you wish to analyze the current state of the service or raise a problem, you will be asked to perform a predetermined reservation procedure according to the expert home delivery means 80A such as finance. That is, in FIGS. 7 and 8, when the user sends a signal requesting the expert home delivery reservation site in step 4A, WW is entered in step 4B.
W server 5A sends the expert home delivery reservation site. Then, in step 4C, the user specifies the desired delivery date and time on the site screen according to the procedure shown in FIG. 7, and selects whether to request home delivery or online delivery, name, age, address, telephone. Number, email address,
Enter the necessary information for selecting consultation contents and other reservations and send. Upon receiving this reservation signal, the WWW server 5A notifies the user of the completion of the expert home delivery reservation in steps 4D and 4E, and at the same time transmits the reservation number and the temporary ID. At the same time, in step 4F, the expert home delivery reservation information received from the user is notified to the expert team by e-mail or the like. In this case, the detailed content may be accessed separately from the dedicated site only by the notification of the reservation.

As a result, in the expert team, step 4G
From 4I to 4I, an expert who can make a comprehensive judgment, for example, a financial planner, will come to the user home delivery or direct visit on the Internet according to the wish of the user to meet the user, grasp the current situation of the user and confirm the wish. ing.

At this time, in the online delivery in step 4H, the financial planner sends a question for grasping the current situation of the user and confirming the wish, and
At 4J, the WWW server 5A records the financial planner's question and forwards it to the user. Step
In 4K, the user sends an answer to the question, and in step 4L the WWW server 5A records the user's present condition, wishes, etc. and transfers it to the financial planner. The financial planner who received the response in Step 4M analyzes the current situation and reports the problem. WW that received this status analysis and information on problems
The W server 5A sends the home delivery information storage unit 81 in step 4N.
Record in A and transfer to user. In step 4O, the user considers the result report from the financial planner, and if it ends here, it proceeds to "end", and if he / she wants to build the optimum product / service by the expert team, he / she proceeds to step 4P. Then, the message is transmitted to the WWW server 5A. When the WWW server 5A receives a signal from the user indicating that he / she desires the optimum financial product etc. constructing means 10A in step 4Q, the WWW server 5A registers the user and transmits an ID and password (PW) for identity verification. After that, in step 4R, the user pays the usage fee.

Continuing to return to FIG. 4, in step 5,
The optimum financial product etc. constructing means 10A is executed by an expert team. In this optimal financial product etc. construction means 10A, as shown in FIG. 9, in step 5A, the WWW server 5A is used.
When the user receives a request from the user to build an optimal financial product / service, the expert team is notified of this. Upon receiving this notification, the expert team requests the user to present the information necessary for constructing the optimal financial product / service in step 5B. On the other hand, in step 5C,
WWW provides self-explanatory information necessary for the construction of optimal financial products and services such as income and expenses, assets and liabilities, insurance enrollment status, future retirement, etc.
It is transmitted to the server 5A. In step 5D, when the WWW server 5A receives the self-explanatory information, this information is stored in the self-explanatory information storage unit 11A and transferred to the expert team.

In the expert team, in step 5E,
Tax planners, lawyers, insurance experts, real estate appraisers, etc. analyze self-explanatory information as needed, mainly from financial planners, and multilaterally examine reality and problems,
In order to achieve the user's life design dreams and goals, we carry out comprehensive asset design such as savings plans, investment measures, insurance / security measures, and tax measures.

For example, as shown in FIG. 10, a money portfolio that allocates financial assets at hand to time deposits, stock investments, government bonds, foreign bonds, and life insurance, and the return in that case. Risk management of each level of risk, financial products and services,
Tax measures that occur when purchasing insurance products and services,
If you plan to purchase a car or real estate, it is necessary to consider various angles and factors such as loan planning and real estate management (estate planning), and build a total asset portfolio comprehensively. From these studies, the knowledge of experts in each field is aggregated to study solutions and propose optimal products and services for users.

Then, when the examination status or proposal of such an optimal financial product / service is transmitted to the WWW server 5A,
Optimal financial product plan information storage unit 12A in step 5F
In step 5G, the user is notified of the completion of construction of the optimal financial product / service.

In step 5H, the user requests the browsing site for viewing the optimal financial product / service proposal from the WWW server 5A. When this request signal is received in step 5I, the predetermined browsing program is driven and the browsing site is presented to the user. I will provide a. In step 5J, the user inputs a unique ID and PW and selects desired information when there are a plurality of browsing information. WWW receiving this selection signal
The server 5A is configured to provide the desired information stored in the optimal financial product plan information storage unit 12A in step 5K.

At this time, the optimum financial product etc. constructing means 10A
Then, the user chart creating program 13A constructs the user chart database 14A based on the self-explanatory information and the optimal financial product / service plan information, and the database 9 for each asset of the asset maintenance / management information grasping means 90A.
Since it is formed as 1A, the user can freely check his / her own asset status at any time.

Subsequently, returning to FIG. 5, the process proceeds to step 6. In step 6, the optimal financial products / services are opened to the public, the companies that can provide the optimal financial products / services are publicly invited, and the optimal financial products / services are contracted by negotiating with the companies that match the wishes. That is, the public offering means 20A for financial matters, the public offering means 30A for financial institutions, the selecting means 40A for negotiating financial institutions, and the negotiating means 50A for financial products are sequentially executed.

As shown in FIG. 11, in step 6A, in order to find a company in which the user receives the optimal financial product / service proposal by the optimal financial product etc. constructing means 10A and can realize the proposal, the financial open offering matter disclosure means 20A. To execute. In other words, the system 1 for providing the optimal financial product from the user
When a request for notification to a bank, insurance company, investment trust company, securities company, loan company, etc. registered in A and a request for registration recruitment of a new company on the public site are sent,
In 6B, the WWW server 5A receives the signal, publishes the item of the optimal financial product / service desired to be purchased on the public site (homepage, etc.), and notifies the registered company of that fact. In this case, the item information to be disclosed is the minimum necessary user information and specific information about the desired financial product / service because it is necessary to secure the privacy of the user.

In step 6C, the financial institution or the like receives the email of the fact of public disclosure at the registered financial institution or the like, but if the financial institution or the like who has not registered yet but has known the publicly offered financial matters through the public site wishes to do so, Sends a request for new participation to the WWW server 5A.

Next, in step 6D, the WWW server 5A, which has received the request for new participation, registers the new participating company, sends the ID and PW to the company, and provides the user with a list of financial institutions that are willing to participate. Notice. Thereby, in step 6E, the user confirms the participating financial institutions. On the other hand, in step 6F, the newly registered company pays the system usage fee and participates in the public offering.

Next, in step 6G, the companies participating in the public offering are provided with information on the financial products / services and insurance products / services that can be provided by the company on the site dedicated to public offering, such as finance, which is 30A for public offering of financial companies, such as interest rates. Suggest prices, incidental services, etc. In step 6H, the WWW server 5A records this company-side proposed product / service information in the publicly offered financial institution information storage unit 32A and notifies it to the user. Upon receiving this notification, the user confirms the contents of the financial product / service presented by the company in step 6I, and also notifies the WWW server 5A if he / she wishes to discuss with the expert team.

From this stage, the negotiation financial institution selecting means 40
When the WWW server 5A receives a signal from the user desiring consideration with the expert team in step 6J and notifies the expert team of the fact, the user and the expert team are immediately notified of each other. They keep in touch with each other and compare and compare the proposals of companies. Then, in step 6K, the user sends a notification of the acquisition of the negotiation right to the registered financial institution, etc., and in step 6L the WWW server 5A stores this in the publicly offered financial institution information storage unit 32A and the registered financial institution etc. Notify to. In step 6M, the registered financial institution receives the presence / absence of negotiation right acquisition.

On the other hand, in step 6N, the user transmits detailed information necessary for providing the optimal financial product / service only to the financial institution or the like that has acquired the negotiation right. Upon receiving this information, the WWW server 5A receives the detailed information necessary for opening on the negotiation exclusive site, which is the financial product negotiation means 50A in step 60, in the financial product negotiation information storage unit 52.
Record in A and notify the financial institution, etc. that has acquired the right to negotiate. Upon receiving this notification, the financial institution or the like obtains detailed information necessary for providing the optimal financial product / service at the negotiation-dedicated site or e-mail in step 6P. In this way, the exchange of information is promoted between the user and the bank, insurance company, investment trust company, loan company, etc. that acquired the negotiation right, and the optimal financial product / service contract is signed in step 6Q. .

Further, as shown in FIG. 10, when the user wants to grasp the status of his / her financial assets, if he / she connects to the asset maintenance / management information grasping means 90A via the Internet 8A, the asset maintenance / management information grasping means is connected. In 90A, the user chart creating program 13A creates a user chart database 14A for each user. And
Since the database 91A relating to the assets of financial products / services is configured based on the user chart database 14A, the user can manage the asset information and check the current status by activating the asset maintenance / management program 92A, as well as tax and It is possible to confirm cancellation payments, prepayment effects, etc. by simulation. As shown in FIGS. 12 and 13, the user chart database 14A is constructed as a database 91A for each product / service such as a deposit / savings database and a mortgage database.

For example, in the case of a deposit / savings database, items such as product / service name, deposit period (remaining period), deposit interest rate, interest accrual, principal, interest amount, interest rate, tax rate, tax amount, and take-back amount are provided. Has been.

Also, if it is a mortgage database,
Loan name, loan amount, monthly repayment amount, number of repayments, repayment amount breakdown, current repayment rate, unpaid interest at floating interest rates, remaining debt (borrowing balance, number of repayments, repayment period), prepayment (repayment date, repayment method) , Prepayment amount), the effect of prepayment (number of shortenings, shortening period, difference in loan balance, new monthly repayment amount) and other items are set.

In addition, a database 91 of foreign currency deposits, medium-term government bond funds, time deposits, MMFs, investment trusts, etc.
A is provided. Then, when the asset maintenance / management program 92A is started based on each of these databases 91A, the current taxation relations, tax by type / tax rate, etc. can be confirmed and the mortgage loan It is possible to simulate prepayments, foreign currency exchange rates, investment trust operation status, and graph.

Therefore, according to the optimal financial product etc. providing system 1A and the optimal financial product etc. providing method of the first embodiment, insurance products / services, annuity products / services, deposits, which have a significant influence on the life design of the user. , You can easily learn the knowledge about loans, etc., and solve complex problems such as professional problems and taxes with the cooperation of a completely neutral team of experts, maximizing user's hope. We will propose the optimal financial products and services that can be fulfilled, and by soliciting financial institutions that can realize this optimal financial products and services proposal, we will transmit the hope of financial products and services from the user and Financial products and services can be developed to form a truly fair market. On the other hand, experts will be able to know what kind of hopes and problems users have, and it will be possible to utilize their specialized knowledge from the user's perspective, and financial institutions will be able to accurately grasp the needs of users. Can be used to develop products and services,
Furthermore, it is possible to efficiently find prospective customers.

Next, an optimum house providing system 1B for providing an optimum building, particularly a house, will be described as a second example of the present embodiment with reference to FIGS. 14 to 22. The optimum house providing system 1B of the second embodiment is shown in FIG.
As shown in FIG. 3, the information transmitting / receiving device 2B of the user, the information transmitting / receiving device 3B of the expert team, and the information transmitting / receiving device 4 of at least a general architect, a contractor, and a mortgage handling organization.
Optimal home-providing device 7 via B and internet 8B
It is connected to B. The expert team consists of financial planners, real estate appraisers, first-class architects, homebuilders, judicial scriveners, certified public accountants, tax accountants, lawyers, and other experts involved in purchasing a home.

The optimum house providing device 7B includes a communication control means 9B for controlling the information signals transmitted / received to / from the information transmitting / receiving devices 2B, 3B, 4B, a house or a mortgage,
A self-study simulation experience means 70B for learning about inheritance and a simulation experience, and an architect delivery means 80B for delivering experts such as first-class architects directly or online to grasp the current situation and problems of users. Based on the user's personal information and self-explanatory information about the user such as house view, structure, durability, design, function, real estate operation, etc. Optimal house construction means 10B for building a house, and a public housing project to open and publish project information on a public site to publicly recruit architects, contractors and mortgage handling institutions that can provide the basic design of the optimal house A means to open and manage the proposal means of the public means 20B and the architects, contractors, and mortgage-handling institutions who have applied for it. And related party public means 30B, architect desired by the user, contractors and mortgage institutions to notify by selecting the negotiations housing-related's selection means 40
B, a house negotiation means 50B for providing a negotiation exclusive site for exchanging detailed information between the selected architect, contractor, mortgage handling institution, and user to provide optimum housing, and the various types described above. Information processing control means 60B for performing various kinds of control such as information processing and program activation for site opening, and a database is constructed based on the user's self-explanatory information and optimal housing plan information to maintain the property value of the housing. And a house maintenance / management information grasping means 90B capable of grasping a maintenance management schedule such as house inspection, cleaning, repair, and replacement work.

The house self-study simulation experience means 70B stores the house self-study user information storage section 71B for storing simple information about the user, sends a question about the house to the user, and changes parts according to the user's preference. It consists of a housing self-study program 72B for setting up a self-study site for three-dimensional simulation of a dream house. Further, expert advice means 73B for receiving simple advice from experts is also provided, and simple advice is provided on the self-study site or by using e-mail or the like.

Further, the architect delivery means 80B is a delivery information storage unit 81B for storing the delivery reservation information of the user and the exchange information with the staff architect, and a delivery program for receiving the delivery reservation of the staff architect. 82B is provided.

The optimum house construction means 10B stores self-explanatory information storage section 11B for storing self-explanatory information transmitted from the user, and optimum house plan information constructed and transmitted based on the self-explanatory information by a team of experts. And an optimal house information storage unit 12B for storing a self-explanatory information, an optimal house plan information, a user chart for creating a medical record in which a history and a solution to the optimal house construction such as interaction between the user and a team of experts are sequentially recorded. It has a creation program 13B and a user chart database 14B created by this program 13B.

Further, the housing public offering item disclosure means 20B includes an open project information storage unit 21B for storing minimum required information for public offering of architects, contractors and housing loan handling institutions.
It has a public site program 22B for publicizing as a home page that can be widely accessed by people related to housing. In addition to the publication method by the public site, a program for automatically transmitting by e-mail to registered house related persons may be prepared and published.

Further, the housing-related public recruiting means 30B is a public recruiting site program 31 for opening a public recruiting dedicated site.
B, and a publicly-disclosed house-related person information storage unit 32B that stores information on a house-related person who applies through the site for exclusive public offering. The public offering site can receive the outline of the houses that can be provided in addition to the information about the house-related person to apply for. It should be noted that an outline content of a house that can be provided may be sent by electronic mail.

Also, the negotiation house related person selecting means 40B is
The user refers to the public housing related person information stored in the public housing related person information storage unit 32B, and further receives advice from an expert team via the Internet to select a plurality of candidate housing related people, and to that effect. Will be announced on the public offering site or notified by e-mail or other method.
For this reason, a housing-related person selection program 41B is provided as necessary.
Is remembered.

The housing negotiation means 50B is also a housing negotiation exclusive site program for opening a negotiation exclusive site for exchanging detailed information and other negotiations between the selected house-related person and the user regarding the provision of the optimum housing. 51B and a housing negotiation information storage unit 52B that stores the negotiation information exchanged on this negotiation site.

Further, the information processing control means 60B is a CPU
It corresponds to a central processing unit such as, and appropriately processes various information transmitted and received by the communication control means 9B, manages data in each storage unit, reads a predetermined program from the storage unit, and controls driving. Information processing control is performed.

Further, the house maintenance / management information grasping means 90B
Is a database 91B such as a real estate asset database created based on the user chart database 14B, an inheritance / business succession database, an affiliated company / house information database, and a house maintenance program 92B for processing the data of each database 91B. A mortgage management program 93B is stored.

Next, a method of providing an optimum house using the optimum house providing system 1B of the second embodiment will be described with reference to a flowchart and the like. FIG. 15 shows the overall flow from the start of use of the optimum housing providing system 1B by the user to the reception of housing.

First, in step 11, when the user accesses the website using this system through the Internet 8B, the process proceeds to step 12 and the top page is transmitted from the WWW server 5B to the user. On this top page, a screen for explaining the importance of purchasing a house and a screen for a house model etc. constructed using this system are provided, and the user's self-study simulation experience means 70B is provided. This guides the user to select whether to use the housing self-study site, which is No. 2, or the optimum house building site, which is the optimum house building unit 10B.

[0117] Here, when the user receives a signal to select the home self-study site, the process proceeds to step 13 and the WWW server 5B transmits the top page of the home experience site. In the housing self-study site, as shown in FIG. 16, the self-study user registration screen is transmitted from the WWW server 5B in step 13A, and the user's name (may be anonymous), sex, age, and family composition in the registration screen in step 13B. When the minimum necessary information such as is input and transmitted, the WWW server 5B which has received the information transmits the step 13C.
In step S13D, the self-study user information is stored in the self-study user database, and the process proceeds to step 13D to send the learning course selection screen to the user.

In step 13E, the user selects, for example, a three-dimensional virtual experience course and sends it to the WWW server 5B. In step 13F, the WWW server 5B starts the dream self-study program, which is the house self-study program 72B. To be done. As a result, in step 13G, the user arbitrarily selects or modifies each part constituting the house to design the house by himself. When such a self-made design is completed, the WWW server 5B transmits a completed house screen by changing parts in step 13H,
The user can search each room of the completed house in step 13I. If the user wants to end here, it ends with an end command, and if a question or question arises and he / she wants to receive expert advice, he / she proceeds to step 13J and requests expert advice, and at step 13K, the WWW server A question input screen is transmitted from 5B. When the user sends a question mail in step 13L according to the screen, the question mail is sent to the expert and the answer mail is sent to the user in step 13M. With the above, the self-study program 72B ends.

Then, returning to FIG. 15, in step 14, if the staff architect wishes to analyze the current situation of the user's house or raise any problems, he / she will be asked to carry out a predetermined reservation procedure according to the architect's delivery means 80B. .. That is, as described with reference to FIGS. 7 and 8 of the first embodiment,
When the user transmits a signal requesting an architect home delivery reservation site in step 4A, the WWW server 5B transmits the architect home delivery reservation site in step 4B. Then, in step 4C, the user specifies the desired delivery date and time on the site screen according to the procedure shown in FIG. 7, and selects whether to request home delivery or online delivery, name, age, address, telephone. Enter the number, email address, selection of consultation content, and other necessary information for reservation and send. In the case of the second embodiment, for example, he / she is asked to fill in his feelings and feelings about the house when he plans to purchase the house. Upon receiving this reservation signal, the WWW server 5B steps
In 4D and 4E, the user is notified of the completion of the expert home delivery reservation, and at the same time, the reservation number and the temporary ID are transmitted. At the same time, in step 4F, the expert home delivery reservation information received from the user is notified to the expert team by e-mail or the like. in this case,
The details may be accessed separately from the dedicated site only by the notification of the reservation.

As a result, in the expert team, step 4G
From 4 to 4I, a staff architect who can make a comprehensive judgment is to deliver to the home or visit directly on the net according to the wish of the user to meet the user, grasp the current state of the user and confirm the wish.

At this time, in the online delivery in step 4H, the staff architect sends a question to grasp the current situation of the user and confirm the wish, and in step 4J, the WWW is sent.
The server 5B records the question of the staff architect and transfers it to the user. In step 4K, the user transmits the answer to the question, and in step 4L, the WWW server 5B records the user's present condition, the desired answer, and the like and transfers it to the staff architect.

The staff architect who receives the answer in step 4M analyzes the current situation and reports any problems. The WWW server 5B which has received the current state analysis and the problem information records it in the home delivery information storage unit 81B (not shown) in step 4N and transfers it to the user. In step 4O, the user considers the result report from the staff architect, and if it ends here, it proceeds to "end", and further if he or she wants to build an optimum house by a team of professionals, it proceeds to step 4P,
The fact is transmitted to the WWW server 5B.

When the WWW server 5B receives a signal from the user requesting the optimum house building means 10B in step 4Q, the WWW server 5B registers the user and sends an ID and password (PW) for identity verification. After that, in step 4R, the user pays the usage fee.

Next, returning to FIG. 15, in step 15, the optimum house building means 10B by the expert team is executed. In this optimum house construction means 10B, as shown in FIG. 17, when the WWW server 5B receives a request for optimum house construction from the user in step 15A, it notifies the expert team of this request. Upon receiving this notification, the expert team requests the user to present the information necessary for constructing the optimum house in step 15B. On the other hand, in step 15C, the user has a feeling for his / her house, a view of the house, a structure, a construction method, a floor plan, a design
It transmits to the WWW server 5B the self-explanatory information necessary for optimal housing construction such as necessary functions, building materials, desired prices, and real estate operations. In step 15D, the self-explanatory information is WWW
When the server 5B receives the information, it stores this information in the self-explanatory information storage unit 11B and transfers it to the expert team. In step 15E, the expert team analyzes the self-explanatory information, and multilaterally examines the reality and problems. For example, as shown in FIG. 18, housing fund design of how much of the funds at hand can be invested as housing funds, housing finance GHLC loan, pension housing loan, property housing loan and other public loans or private housing loans, etc. Considering various angles and elements such as mortgage design considering real estate, real estate operation, tax measures considering inheritance tax, city planning law, building standard law, real estate related laws such as agricultural land law and production green space law, etc. Need to build total asset portfolio. Based on these examinations, the knowledge of various specialists such as tax accountants, real estate appraisers, judicial scriveners, etc., centered on first-class architects, is considered and solutions are examined to propose the optimum housing for the user.

When the examination status and proposal of such an optimum house are transmitted to the WWW server 5B, it is stored in the optimum house plan information storage unit 12B in step 15F, and the user is notified of the completion of construction of the optimum house in step 15G. .

At step 15H, the user requests the browsing site for viewing the optimum house plan information from the WWW server 5B, and upon receiving this request signal at step 15I, drives the browsing program to provide the browsing site to the user. In step 15J, the user inputs the unique ID and PW and selects desired information. Upon receiving this selection signal, the WWW server 5B provides the desired information stored in the optimum house plan information storage unit 12B in step 15K.

At this time, in the optimum house construction means 10B,
The user chart creating program 13B builds the user chart database 14B based on the self-explanatory information and the optimum house plan information. Then, the house maintenance / management information grasping means 90 based on the user chart database 14B.
Since the database 91B for the house B is built, the user can freely check his / her own housing situation etc. by activating the house maintenance management program 92B or the mortgage management program 93B. The house maintenance / management information grasping means 90B may directly read the user chart database 14B without separately constructing the database 91B.

Subsequently, returning to FIG. 15, the process proceeds to step 16. In Step 16, the project of the optimum housing is widely disclosed to general architects, the architects who can create the basic design of the optimum housing are publicly invited, and the optimum architect is proposed by negotiating with the architect who matches the hope. It is in the stage of receiving. That is, the housing public offering item disclosure means 20B, the housing related person public recruitment means 30B,
The negotiation house related person selecting means 40B and the housing negotiation means 50B are sequentially executed.

As shown in FIG. 19, in step 16A, the user receives the optimum housing plan by the optimum housing construction means 10B and searches for an architect who carries out a basic design for realizing the optimum housing proposal, so that the housing open application project opening means is opened. Perform 20B.
That is, when the user sends a request for notification to an architect registered in the optimum housing provision system 1B and a request for registration recruitment of a new architect on the public site, step 16B
At, the WWW server 5B receives the signal, publishes the optimum housing project desired to be purchased on a public site such as a home page, and notifies the registered architect of that fact. In this case, since it is necessary to secure the privacy of the user for the project information to be disclosed, the minimum necessary user information such as anonymity, age, address of the building place, etc. and specific information on the desired house, such as whether it is a new construction or reform However, it is information such as desired building costs and proposal deadlines.

On the architect side, in step 16C, the registered architect receives the e-mail of the fact of public disclosure, while the unregistered architect who knows the housing open call for proposal through the public site requests a new participation if desired. It is transmitted to the WWW server 5B.

Next, in step 16D, the WWW server 5B which has received the request for new participation registers the new participating architect and transmits the ID and PW to the architect.
Notify the user of the list of architects who are willing to participate. Thus, in step 16E, the user confirms the participating architect. On the other hand, in step 16F, the newly registered architect pays the system usage fee and participates in the public offering.

Next, in step 16G, the architect who participates in the open call for proposal proposes a rough design drawing and presentation materials on the site for open call for houses, which is a means for open call for house-related persons 30B.
This proposal information is sent to the WWW server 5 in step 16H.
B is recorded in the public architect information storage unit which is the public housing related person information storage unit 32B and is notified to the user. Upon receiving this notification, the user confirms the rough design drawing and the presentation materials presented by the architect in step 16I, and notifies the WWW server 5B if he / she wants to discuss with the expert team, especially the staff architect. To do.

From this stage, the negotiation house related person selecting means 40
In the execution stage of B, in step 16J, the WWW server 5B receives a signal from the user that the user wishes to discuss with the staff architect, and informs the staff architect of that fact. By contacting each other, the contents of the proposal of the architect to be applied are comprehensively judged and narrowed down. Then, in step 16K, the user sends a notification to the registered architect whether or not the negotiation right has been acquired, and in step 16L the WWW server 5B stores this in the public architect information storage unit, which is the public housing related person information storage unit 32B. And notify the registered architect. In step 16M, the registered architect receives whether or not the negotiation right is acquired.

On the other hand, in step 16N, the user sends the detailed information necessary for the basic design of the optimum house only to the architect who has acquired the negotiation right. W who received this information
The WW server 5B records in the housing negotiation information storage unit 52B the detailed information necessary for disclosure on the negotiation-dedicated site as the negotiation means in step 160, and notifies the negotiation right acquisition architect. Upon receipt of this notification, the architect acquires detailed information necessary for providing the optimum housing through the negotiation-dedicated site or e-mail in step 16P.

Then, in step 16Q, the architect who has acquired the negotiation right transmits more detailed presentation information to the user based on the detailed information, or makes a direct presentation or undergoes an interview examination. As a result, step 16R
At, the user reviews with the staff architect and submits the results. In step 16S, WWW server 5
When B receives the result from the user, B records the result in the housing negotiation information storage unit 52B and notifies the architect. In step 16T, the architect who has acquired the negotiation right acquires the examination result, and a formal contract is concluded if the user desires. The architect then creates the basic design of the optimum house.

Next, a flow chart for selecting an optimum contractor will be described. This is to openly recruit and select a contractor who will undertake the construction of a house based on the basic design of the optimum house by the architect requested as described above. Figure 2
As shown in 0, in step 17A, in order to find a contractor who will carry out the construction based on the basic design for realizing the optimal housing plan proposed by the architect, the housing open application project disclosure means 20B is used. Run. That is,
When the user sends a request for notification to a contractor registered in the optimum housing provision system 1B and a request for registration recruitment of a new contractor on the public site, the WWW server 5B receives the signal in step 17B and purchases it. Publish the construction project you wish to use on a public website such as a homepage, and notify the registered contractor of that fact. In this case, the case information to be disclosed is the minimum necessary user information and basic design drawing because it is necessary to secure the privacy of the user, and other specific information such as area-limited and construction-specific cases.

In step 17C, the contractor receives the public fact e-mail while the registered contractor receives
An unregistered contractor who knows the construction construction open call for proposal case through the public site sends a request for new participation to the WWW server 5B if desired.

Next, in step 17D, the WWW server 5B, which has received the request for new participation, registers the new participating contractor, transmits the ID and PW to the contractor, and displays a list of contractors who are willing to participate. To notify. Thus, in step 17E, the user confirms the participating contractors. On the other hand, in step 17F, the newly registered contractor pays the system usage fee and participates in the public offering.

Next, in step 17G, the contractor participating in the public offering sends a question and answer about the basic design drawing and other construction-related matters on the house public offering dedicated site, which is the housing-related person public offering means 30B. This question and answer is in step 17
In H, the WWW server 5B records the information in the publicly offered contractor information storage unit, which is the publicly offered house-related person information storage unit 32B, and notifies the user. On the other hand, this question and answer is considered to include a technical skill that cannot be answered by the user. Therefore, in principle, the expert team and the architect in charge of the basic design should deal with each other. That is, the expert team and the user of the basic design architect respond to the questions from the contractor on the WWW server 5B dedicated site for public housing.

As a result of such measures, step 17
In I, when a construction company proposes a construction cost or a construction service on the site dedicated to public housing recruitment, the WWW server 5B receives the information in step 17J, and the public housing construction related person information storage unit 32B which is the public housing construction related person information storage unit 32B receives the information. The information is recorded in the information storage unit and the effect or content is transmitted to the user.

At step 17K, the user, the expert team, and the basic design architect examine the contents and costs of the construction proposed by the contractor on the site dedicated to the housing open call or using the e-mail, and narrow down. When this result is notified to the WWW server 5B, the WWW server 5B records the presence or absence of the negotiation right for each contractor in step 17L,
Notify the contractor. In step 17M, the contractor receives the information on whether or not the negotiation right is acquired, and recognizes the user's reaction and evaluation.

On the other hand, in step 17N, the user notifies the contractor who has acquired the negotiation right of the detailed information necessary for the construction. In step 17O, the contractor gives a presentation on a concrete construction method and construction of building materials based on the detailed information transmitted from the user. This presentation is designed to be held on the website dedicated to housing public offerings and through direct interviews.

At step 17P, the user, the team of experts, and the basic design architect conduct an interview examination and send the examination result. In step 17Q, the WWW server 5B stores the examination result in the housing negotiation information storage unit 52B and notifies the contractor. The contractor obtains the examination result in step 17R, and the contractor of the notification of acceptance concludes a formal contract. After that, the construction work of the optimum house is executed by this contractor.

The contractor is not necessarily left to one company, and a plurality of contractors may be selected according to each function of the house. You might also say that.

Next, the optimal mortgage selection flowchart will be described. This is a selection flow chart in the case of paying all or part of the cost paid to the contractor who undertakes the housing construction based on the basic design of the optimum house described above, with a mortgage while considering the life design.

As shown in FIG. 21, in step 18A, the housing public offering case disclosure means 20B is executed in order to pay the cost incurred when constructing an optimum house by a housing loan. In other words, when a user sends a request for notification to a mortgage handling institution such as a bank, an insurance company, or a loan company registered in the optimal housing provision system 1B and a request for registration recruitment of a new mortgage handling institution through a public site. In step 18B, the WWW server 5B receives the signal, publishes the loan request item desired to purchase on a public site such as a homepage, and notifies the registered mortgage handling institution to that effect. In this case, since the project information to be disclosed needs to keep the user's privacy, the minimum necessary user information such as anonymity, age, occupation, etc. and whether it is a new construction or renovation, the property purchase amount,
This is specific loan item information such as the desired loan amount, desired repayment period, and proposal deadline.

In step 18C, the mortgage handling institution receives the e-mail of the fact that the registered mortgage handling institution receives the public fact, while the unregistered mortgage handling institution who has learned the loan application through the public site wishes. If yes, a request for new participation is transmitted to the WWW server 5B.

Next, in step 18D, the WWW server 5B, which has received the request for new participation, registers the newly participating mortgage handling organization, sends the ID and PW to the mortgage handling organization, and also has a willingness to participate. Notify the user of the list of handling institutions. This step
At 18E, the user confirms the participating mortgage handling institution. On the other hand, in step 18F, the newly registered mortgage handling organization pays the system usage fee and participates in the public offering.

Next, in step 18G, the housing loan handling organization participating in the public offering is the housing related person public offering means 30B.
Send the loan interest rate and service content on the site dedicated to the barrel loan public offering. In step 18H, the WWW server 5B records the proposed loan interest rate and the service content in the publicly offered loaner information storage unit which is the publicly offered house-related person information storage unit 32B and notifies the user.

On the other hand, the user who receives this notification confirms the loan interest rate, etc. presented by the mortgage handling organization in step 18I, and notifies the WWW server 5B if he / she wishes to discuss with the expert team. .

From this stage, the negotiation loan enterprise selecting means is executed, and in step 18J, the WWW server 5B is executed.
When the user receives a signal from the user that he / she wants to discuss with the expert team and informs the expert team accordingly, the user and the expert team immediately contact each other and the loan interest rate of the mortgage handling institution applied for is applied. Comprehensively judge services and incidental services including life planning. Then, in step 18K, the user sends a notification of the acquisition of the negotiation right to the registered mortgage handling institution, and in step 18L the WWW server 5B sends this notification to the public housing loan related person information storage unit 32B, which is the public housing loan related person information storage unit 32B. Remember and notify the registered mortgage handling agency. In step 18M, the registered mortgage handling institution receives the presence / absence of negotiation right acquisition.

On the other hand, in step 18N, the user sends necessary detailed information only to the mortgage handling institution that has acquired the negotiation right. Upon receiving this information, the WWW server 5B records the detailed information necessary for opening on the loan negotiation dedicated site, which is the negotiation means in step 18O, in the loan negotiation information storage unit, which is the housing negotiation information storage unit 52B.
Notify the mortgage handling agency for negotiation rights. Upon receipt of this notification, the mortgage handling organization obtains detailed information necessary for providing the optimum home through the loan negotiation site or e-mail in step 18P.

Then, in step 18Q, the mortgage handling organization that has acquired the negotiation right independently determines whether or not the loan is appropriate by means of credit check or other means, and sends the result.
In step 18R, the WWW server 5B records the result of the loan suitability in the loan negotiation information storage unit which is the housing negotiation information storage unit 52B and notifies the user. If the loan suitability is not approved, the mortgage handling organization once abandons the negotiation right in step 18S, and
Returning to 18M, it is located behind another mortgage handling institution that has won negotiations. As a result, negotiations with other mortgage-handling institutions and users are broken, and there is no next negotiation unless the negotiation number of one's own turns.

On the other hand, in step 18T, the user
In the case of NO, that is, in the case where the loan is not agreed with the mortgage handling institution of the first negotiation partner, the process returns to step 18N and the negotiation is proceeded with the mortgage handling institution of the second negotiation partner. In step 18S and step 18T, if the loan of the mortgage handling institution is approved,
In step 18U, a mortgage contract is concluded between the user and the mortgage handling institution.

As described above, in providing the optimum housing, first, the optimum architect is selected to create the basic design drawing, and then the contractor who can realize the basic design drawing is selected, and the construction cost is further increased. Finally, you can select the mortgage handling agency that will provide you with the best housing for you.

Here, FIG. 22 shows how the basic design architect and the expert team support the user from the conclusion of the contract with the architect responsible for the basic design until the house is completed and moved in. I will explain.

In step 21 of FIG. 22, when the contract between the user and the basic design architect is established, the process proceeds to step 22 to create a working design of the basic design, and the process proceeds to step 23 to apply for the development confirmation. Take the procedure. In addition, as shown in step 24, the total construction cost and construction schedule are created.
At this stage, the basic design architect and a team of experts are working together.

Next, negotiations with the contractor are proceeding, and the basic design architect and a team of specialists will back up the contract contract between the user and the contractor.

Thereafter, construction work is started in step 27, design supervision and construction process management are carried out in steps 28 and 29, and completion inspection is executed when the house is completed. At each of these stages, a basic design architect and a team of specialists are involved and report the construction status to the user. After that, it is delivered in step 31 and moved in at step 32. Further, regarding the payment for the construction work by each contractor in step 27 to step 30, the basic design architect and the expert team prepare and manage the payment schedule.

Therefore, according to the optimum house providing system 1B and the optimum house providing method of the second embodiment, knowledge about purchasing a house, which is one of the biggest shopping in life, can be easily acquired, and the building structure can be improved. At the beginning, we will solve the complex problems such as advanced and technical / technical problems and inheritance with the cooperation of a completely neutral team of experts, and propose the optimum housing that can maximize the user's wishes. In addition, by submitting information from users by publicly recruiting architects, contractors, mortgage handling institutions that can realize this optimal housing plan, housing for users has been developed, and it is extremely transparent centered on the user. It is possible to form a reliable building industry. On the other hand, even experts can know what kind of hopes and problems users have regarding housing, and can utilize their expertise from the user's perspective. For this reason, it is possible to accurately grasp the needs of users and utilize them for product / service development, and it is also possible to efficiently find prospective customers who are considering purchasing a home.

In the optimum product / service providing apparatus 7 of the present embodiment described above, the WWW server 5 as the optimum product / service providing server and various storage units and databases may be appropriately provided integrally or separately. .
The WWW server 5 may also receive an authentication server separately or may be constructed as a distributed server.
Further, the users include not only individuals but also corporate users, and the optimal product / service providing companies include not only private companies but also public companies.

Furthermore, in the above-described embodiments, the optimal product / service providing system has been described by taking the financial products / services and the housing as an example, but the invention is not limited to these examples, and other products / services are also applicable. Can be applied. For example, if it is a funeral service, the user will have the form of the funeral and the burial place he / she wants, the hope of scrambling, the cost, the method of cremation, the type of hearse, the transfer of the funeral attendant, etc.
Along with the experts on funerals, we propose various commitments clearly, and publicly invite companies that can provide the optimal funeral services via the Internet. This makes the opaque parts of traditional funeral services transparent and ends life in an ideal way. Of course, this system may be used by the family of the deceased.

Regarding medical services, there is a large difference in the medical knowledge between the doctor and the patient, and there is a situation in which most of the judgment is left to the doctor. In addition, the doctor's specialty is displayed in a fairly wide range such as orthopedics and internal medicine, but in reality, even if it is orthopedics, there are detailed specialties such as head, neck, upper limbs, lower limbs. is there. This situation seems to be one of the causes of medical problems. Therefore, in this optimal product / service providing system 1, the user selects a treatment method, requests for specialty, a place of recreation,
We will examine our wishes regarding the presence or absence of notification of cancer, cost, etc. with medical professionals, propose to hospitals and other medical institutions via the Internet, and openly recruit hospitals that will provide our desired medical services. This makes it possible to provide optimal medical services centered on the user, and the user can receive medical services with peace of mind.

Furthermore, in the case of agricultural products, the user is not informed of how the agricultural products are cultivated, the level of pesticide administration, the level of influence on the human body, the environment of the cultivated area, etc. There are many opaque sides. Therefore, for example, by using the optimum product / service providing system 1 of the present embodiment, the safety, price, place of origin, sugar content, acidity, quality, production method, pesticide dosage, fertilizer of agricultural products desired by the user can be obtained. Discuss types with agricultural experts and make proposals. Then, the user can purchase the optimum agricultural product for himself by publicly soliciting the farmers who can produce the agricultural crop proposal through the Internet. On the other hand, farmers can obtain stable income because they can secure purchasers of agricultural products in advance.

[0165]

As described above, according to the present invention, realistic problems caused by a team of experts are multilaterally considered on the basis of self-explanatory information on the user side including the user's dreams, wishes, and personal information. Since the optimal product / service proposal including the solution etc. is proposed, it is possible to propose the product / service that is most realistic and according to the user's wishes, and lead to the development, and realize this optimal product / service proposal. Since we are publicly recruiting companies that can do so, we can connect users with companies that can better understand their values from the user's perspective, and information is sent from the user, which is ideal for users in a fair market centered on the user. Products and services can be provided, and in addition, companies can truly understand the products and services desired by users and know the existence of potential customers. .

Further, since the candidate company can be decided while receiving the advice of the expert team when selecting the applicant company, the candidate company to be entrusted with the provision of the optimum product / service based on the expert knowledge can be selected without mistake. can do.

Furthermore, since the user can grasp the current and future situations of goods and services freely purchased through the communication network at any time and can confirm the purchase history, the life design can be confirmed, modified, improved, etc. Can be maintained or maintained so as not to damage the property value.

Furthermore, it is possible for financial institutions and construction-related persons to provide realistic financial products / services and buildings based on multifaceted expertise while maximally reflecting the wishes, dreams, values, etc. of the user. At the same time, the financial institution, the construction-related person, and the like can surely grasp the needs of the user and can easily obtain the prospective customer information.

[Brief description of drawings]

FIG. 1 is a system schematic configuration diagram showing an example of an embodiment of an optimum product / service providing system according to the present invention.

FIG. 2 is a system schematic configuration diagram showing an example of an embodiment of an optimum product / service providing system according to the present invention.

FIG. 3 is a detailed block diagram showing an example of an embodiment of an optimum product / service providing system according to the present invention.

FIG. 4 is a detailed block diagram showing a first example of the optimum product / service providing system of the present embodiment.

FIG. 5 is a schematic flowchart of an optimal financial product providing system and an optimal financial product providing method according to the first embodiment.

FIG. 6 is a flowchart of a financial product self-study simulation experience means in the optimal financial product providing system and the optimal financial product providing method of the first embodiment.

FIG. 7 is a flowchart of a home-delivery means for professionals such as finance in the first embodiment.

FIG. 8 is a diagram showing an example of reservation registration contents of a professional home delivery means such as finance in the first embodiment.

FIG. 9 is a flowchart of the optimal financial product etc. constructing means in the first embodiment.

FIG. 10 is an explanatory diagram showing an example of the construction contents of the optimal financial product etc. construction means in the first embodiment.

FIG. 11 is a flowchart for selecting an optimal financial product providing company by means of public offering of finance, etc., public offering means of financial institutions, means of selecting negotiation financial institutions, etc. and negotiation means of financial products, etc. in the first embodiment.

FIG. 12 is a table showing an example of a database accumulated in the asset maintenance / management information grasping means in the first embodiment.

FIG. 13 is a table showing an example of a database accumulated in the asset maintenance / management information grasping means in the first embodiment.

FIG. 14 is a detailed block diagram showing a second example of the optimum product / service providing system of the present embodiment.

FIG. 15 is a schematic flowchart of an optimum house providing system and an optimum house providing method according to the second embodiment.

FIG. 16 is a flowchart of a house self-study simulation experience means in the optimum house providing system and the optimum house providing method of the second embodiment.

FIG. 17 is a flowchart of the optimum house construction means in the second embodiment.

FIG. 18 is an explanatory diagram showing an example of construction contents of the optimum house construction means in the second embodiment.

FIG. 19 is a flowchart for selecting an optimum architect providing a basic design by means of means for disclosing public housing proposals, means for housing related person housing, means for selecting house related negotiations and means for housing negotiations in the second embodiment.

FIG. 20 is a flowchart for selecting an optimum contractor in the second embodiment.

FIG. 21 is a flowchart for selecting an optimal housing loan handling institution in the second embodiment.

FIG. 22 is a flowchart showing the assistance situation of the user by the basic design architect and a team of experts from the establishment of the architect contract to the move-in in the optimal housing provision system and the optimal housing provision method of the second embodiment.

[Explanation of symbols]

1 Optimal product / service provision system 1A Optimal financial product offering system 1B Optimal housing provision system 2 User information transmitter / receiver 3 Expert team information transmission / reception equipment Information transmission / reception equipment of 4 companies 7 Optimal product / service provision device 7A Optimal financial product providing device 7B Optimal housing provision device 8 communication network 9 Communication control means 10 Optimal product / service construction means 10A Optimal financial product construction means 10B Optimal housing construction method 11 Self-explanatory information storage 12 Optimal product / service plan information storage 13 User chart creation program 20 Public offering item disclosure method 20A Public offering proposal disclosure method such as finance 20B Housing Public Offering Project Disclosure Method 21 Public item information storage section 22 Public Site Program 30 Corporate Public Offering Means 30A Public offering means such as financial institutions 30B Housing-related open recruitment means 31 Public offering site program 32 Publicly recruited company information storage section 40 Negotiation company selection means 40A Negotiation financial institution selection means 40B Negotiation housing related person selection means 50 means of negotiation 50A Financial products negotiation means 50B Housing negotiation means 51 Negotiation Site Program 52 Negotiation information storage unit 60, 60A, 60B Information processing control means 70 Self-study simulated experience means 70A Self-study simulated experience means for financial products 70B Self-study simulation experience means for housing 71 Self-study user information storage unit 72 Self-study program 73 Expert Advice Means 80 Expert Delivery Method 80A Finance and other means of home delivery 80B Architect delivery method 90 Product management / maintenance information grasping means 90A Asset maintenance / management information grasping means 90B Housing maintenance / management information grasping means 91 Database 92 Product management / maintenance program

─────────────────────────────────────────────────── ─── Continuation of front page (51) Int.Cl. ⁷ Identification code FI theme code (reference) G06F 19/00 110 G06F 19/00 110 (72) Inventor Tatsushi Hagawa 12 South West 12 Chuo-ku, Sapporo-shi, Hokkaido Chome 1-1-307 (72) Inventor Tomoya Shirasaki 3-chome 3-39, Kikusui, Shiraishi-ku, Sapporo-shi, Hokkaido (72) Inventor Hiroshi Kawaguchi 3-8-13 Omagashi Kashiwa, Kitahiroshima-shi, Hokkaido

Claims (11)

[Claims] 1. An optimum product / service providing method for providing an optimum product / service according to a user's wishes and present conditions via a communication network, wherein the user's dream and values of life transmitted from an information transmitting / receiving device of the user. And a step of receiving self-explanatory information including personal information and storing the self-explanatory information in a self-explanatory information storage unit, and an information transmitting / receiving device of a specialist team in a neutral position in which a predetermined expert mainly handles the self-explanatory information. Comprehensively including the step of transmitting, the opinion and the optimal solution, etc., which are multifaceted analyzed by gathering the knowledge of experts in each field, responding to the user mainly by a predetermined expert based on the self-explanatory information And storing information in the optimal product / service plan information storage unit for receiving the optimal product / service plan that also requires the development of a new and new product / service; Information and the step of disclosing at least the information necessary for public offering from the company out of the optimum product / service proposal information through a communication network, and realizing the optimum product / service proposal or equivalent value products based on this information disclosure. The steps of recruiting companies that can provide services via the communication network, the step of sending the applied company information to the user's information transmitting / receiving device, and the result of the negotiation right acquisition company selected by the user among the applying companies And a step of transmitting detailed information about the optimal product / service to the negotiation right acquisition company through a communication network. 2. After the user receives the applicant company information through the information transmitting / receiving device, the candidate company is selected by referring to the applicant company information and receiving advice from a specialist team through a predetermined expert through a communication network. The optimal product / service providing method according to claim 1, further comprising a step of selecting. 3. The optimum product / service providing server receives the self-explanatory information including the user's dream and values of life and personal information transmitted from the user via the communication network, and sets the self-explanatory information to a predetermined one. The experts are sent to the corresponding expert team, and based on the self-explanatory information, the predetermined experts play a central role in responding to the user and gathering the knowledge of experts in each field in the expert team. Receives information on optimal product / service proposals that require comprehensive and new product / service development, including perspectives and optimal solutions that have been analyzed from multiple perspectives, and then receives the self-description information and the optimal product / service
At least information necessary for public offering from companies among service proposal information is disclosed via a communication network, and based on this information disclosure, companies that can realize the optimal product / service proposal or can provide products / services of equivalent value are communicated. Optimum product characterized by making a public offering through the network, negotiating with the user who applied and negotiating with the user, and notifying detailed information to the company that provides the optimum product / service selected from those applying companies. Service provision method. 4. An optimal product / service providing system for providing an optimum product / service to a user while exchanging information by connecting a user, a team of experts, and a company via a communication network, and an information transmitting / receiving device owned by the user. , Communication control means for controlling transmission / reception of various information transmitted / received to / from the information transmission / reception device owned by the expert team and the information transmission / reception device owned by the company, and the dreams and values of life transmitted from the user's information transmission / reception device Self-explanatory information storage unit that stores self-explanatory information including view information and personal information, and a predetermined expert plays a central role in responding to the user based on the self-explanatory information, and Comprehensive and new products that include opinions and optimal solutions that have been multi-faceted by consolidating knowledge
Optimal product / service proposal information storage unit that receives and stores optimum product / service proposal information that also requires service development, and provides optimal product / service proposal information through the browsing site Means, a publicly-disclosed item disclosure means for disclosing information necessary for corporate public offering among the self-explanatory information and the optimal product / service proposal information through a communication network, and realizing the optimal product / service proposal or the optimal product / service proposal. A company public offering means for publicly offering through a communication network companies that can provide products and services having the same value as the service proposal, and the company information received from the company public offering means is received and the user negotiates from them. Negotiation company selection method to select the company that wants to provide the optimal products and services between the selected company and the user It has a negotiation means for exchanging detailed information and other negotiations via a communication network, and an information processing control means for appropriately processing various information transmitted and received by the communication control means and controlling the entire system. Optimal product / service provision system 5. The negotiating company selecting means advises a team of experts who mainly respond to a predetermined expert while the user refers to the applicant company information stored in the publicly offered company information storage unit via the communication network. The optimal product / service providing system according to claim 4, wherein the candidate for the negotiation requesting company is selected based on the above. 6. The optimum product / service construction means further provides a history and a solution for building an optimum product / service including self-explanatory information, optimum product / service plan information, and communication information between a user and an expert team. It has a user chart creation program that controls the creation of sequentially recorded charts, and a user chart database created by this user chart creation program. It has various databases that store future maintenance information, and a product management / maintenance program that processes the data in these databases and performs simulations and graphs to grasp the status of products / services and maintenance management information. Equipped with a means for grasping management / maintenance information for optimal products Optimal products and services providing system according to claim 4 or claim 5, characterized in that there. 7. An optimal building providing system for providing an optimal building to a user while connecting the user, a team of experts, at least an architect and a contractor via a communication network to exchange information with each other. Information transmission / reception device, communication control means for controlling transmission / reception of various information transmitted / received to / from information transmission / reception device possessed by a team of specialists mainly of first-class architects and information transmission / reception device possessed by construction related persons, and user Self-explanatory information storage unit that stores self-explanatory information including life's dreams, values and personal information sent from the information transmitting / receiving device, and based on the self-explanatory information, a first-class architect takes the lead in responding to users Comprehensive and new building construction including views and optimal solutions, etc. An optimum building information storage unit that receives and stores optimum building plan information that also requests departure, and an optimum building construction means that proposes the optimum building plan information via a browsing site; Information and means for publicizing a building open call for proposals for publicizing information necessary for public recruitment of architects and contractors from among the information on the optimum building proposal through a communication network, and realizing the optimum building proposal or the optimum building proposal The building-related public recruitment method for publicly recruiting architects and contractors who can provide buildings with equivalent value to the building-related public recruitment means through the communication network, and the building-related public information applied by this construction-related public recruitment means is received. Negotiation related persons selecting means for selecting the architect and contractor the user wants to negotiate from among them, and the provision of the optimum building between the selected building related person and the user. A building negotiation means for performing detailed information exchange and other negotiations via a communication network, and an information processing control means for appropriately processing various information transmitted and received by the communication control means and controlling the entire system. Optimal building provision system characterized by. 8. The negotiation construction-related person selecting means mainly deals with a first-class architect while the user refers to the publicly-constructed construction-related person information stored in the publicly-offered construction-related person information storage section via the communication network. The optimum building providing system according to claim 7, wherein a candidate for a negotiation construction related person is selected based on the advice of an expert team. 9. A means for receiving self-explanatory information including a user's life dreams and values and personal information, storing the self-explanatory information in a self-explanatory information storage unit, and transmitting the self-explanatory information, based on the self-explanatory information. Comprehensive and new products that include opinions and optimal solutions, etc. that have been analyzed by a multi-faceted person by gathering the knowledge of experts in each field in the expert team that mainly responds to users by prescribed experts. A means for receiving the optimum product / service proposal information for requesting the development of a service, storing it in the optimum product / service proposal information storage section, and transmitting the optimum product / service proposal information, and a public offering among the optimum product / service proposals. Means for storing and transmitting the usage information in the open item information storage unit, and providing the optimum product / service proposal or the optimum product / service proposal.
Means for receiving the application information of a company that can provide a product / service having the same value as the service proposal, storing it in the publicly offered company information storage unit, and transmitting it, and detailed information for negotiation regarding the provision of the optimum product / service. And a means for receiving and storing in the negotiation information storage unit and transmitting the same. 10. A means for transmitting and receiving self-explanatory information including a user's life dreams, sense of values and personal information, and a predetermined expert who plays a central role in responding to the user based on the self-explanatory information. A means for sending and receiving optimal product / service proposal information that requires the development of comprehensive and new products / services, including views and optimal solutions that have been multi-faceted by gathering the knowledge of experts in each field in the team A means for disclosing the public offering information of the optimal product / service proposal, and providing the optimal product / service proposal or the optimal product / service proposal
It is characterized by having a public recruiting means for transmitting and receiving application information of companies that can provide products and services having the same value as the service proposal, and a negotiation means for transmitting and receiving detailed information for negotiation regarding the provision of the optimal products and services. Optimal product / service providing server. 11. When receiving the management information transmission command or the maintenance information transmission command of the optimum product / service, the optimum product / service including self-description information and optimum product / service proposal information and communication information between the user and the expert team is sent. It is characterized by having a management / maintenance information grasping means for optimal products etc. that accesses various databases constructed on the basis of a user chart database in which history and solutions to the construction are sequentially recorded and transmits management information or maintenance information. The optimal product / service providing server according to claim 10.