JP2004005552A - Simulation system for supporting financial plan through internet - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system capable of efficiently simulating a financial plan support through the Internet so that a customer can establish its financial plan by adopting a member system for the customers not by searching an expert of its aspect and performing a simulation analysis under its conditions. <P>SOLUTION: This simulation system comprises a means for executing a simulation based on input data conditions by allowing the menu of the financial plan support required by the customer to cope with all aspects of a life design and allowing the customer to input and transmit the conditions required by the simulation of the menu selected by the customer. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
In order to support financial planning such as housing fund design, asset management design, life plan, etc. that the customer wants to request, the necessary conditions for the simulation are received from the client's client terminal via the Internet, and the simulation required for the customer And a simulation system having a Web server for transmitting the result to a customer terminal via the Internet.
[0002]
[Prior art]
Traditionally, there are various goals and aspects in a person's life, such as marriage, child education, home purchase, overseas travel, retirement life, illness / disability, etc. Did not.
[0003]
Therefore, a system for inputting personal data such as income, expenditures, assets, liabilities, and plans to purchase a house to create a financial plan for various personal life plans, and a system for performing a simulation for creating a financial plan has been developed. (For example, see Patent Documents 1 to 3).
[0004]
Then, by connecting the host device and a plurality of terminals via a communication network such as the Internet, and the user performing information necessary for each process from the terminal, the host device performs necessary processes for the input data. A system for transmitting a processing result to an accessed terminal has been developed (see Patent Document 1).
[0005]
In addition, in developing a life planning system for designing various lifestyles centering on health services, replace it with a man-to-man system that inputs and analyzes personal data developed for sales staff such as insurance. A life planning system has been developed which performs life planning for a large number of members such as companies and unions quickly and at low cost by batch processing (see Patent Document 2).
[0006]
Further, a portable insurance design consulting device has been developed to improve the operability of the life planning system as described above and to enable smooth execution of insurance design consulting work (see Patent Document 3).
[0007]
[Patent Document 1]
JP-A-11-96218 (see paragraphs 28 and 29 of JP-A No. 7-page and FIG. 1, paragraphs 87 to 89 of pages 14 to 15 and FIGS. 11 to 17)
[Patent Document 2]
JP-A-11-25155 (refer to page 3, paragraphs 7 to 9 of the publication, and FIGS. 1 to 3)
[0008]
[Problems to be solved by the invention]
In order to actually make a financial plan for life planning as described above, specialized knowledge and know-how were required. To answer specific questions, such as how to use assets, how much income can you expect from retirement, and what will be the inheritance tax, consult with each expert to get a solution In order to carry out the above-mentioned work, we need to search for each expert during the current work, and Consultation, analysis of the contents, and simulation under conditions tailored to each individual were difficult and difficult to execute because the input of personal data was a specialized and special task.
[0009]
Therefore, the present invention has been made in view of the above-mentioned points, and an object of the present invention is to provide various simulations for supporting the financial plan with a large number of customers as members on the Internet with specialized knowledge and expertise. It is an object of the present invention to provide a simulation system that can be easily executed without requiring any special operation.
[0010]
[Means for Solving the Problems]
In order to solve the above-mentioned problems, the simulation system for financial planning support via the Internet of the present invention is a financial planning support system capable of responding to all aspects of a customer's life design, at least housing, education and retirement fund design, Define multiple product menus, including asset management design, inheritance design including business succession, tax plan, insurance diagnosis, and life plan, and register as a member access signals for simulation to support financial planning for each product A simulation system for receiving a simulation result from a client terminal of a customer via the Internet and transmitting the simulation result to the customer, wherein an application server for processing the simulation job and information necessary for the simulation job are recorded. A database server for managing a database, a web server and a mail server, wherein the database is a customer member database in which basic information including an e-mail address for each customer, an ID code and a password are registered, and the financial A product database for each menu that records programs and data required for the product simulation for each menu of the plan, a simulation history database that records simulation history results performed at the request of the customer member, At least a billing database, wherein the application server transmits a registration data input screen in response to an access signal from a customer terminal requesting registration of the member, receives the input data, and A member registration means for recording the ID code and password in the customer member database and recording the ID code and the password, and delivering an e-mail for approval of the member; and responding to an access signal for financial planning support from the terminal of the customer, And a menu selection screen transmitting means for transmitting a selection screen displaying all the items of the product menu after confirming with the password, and a customer member inputting the selection items on the screen, receiving the items and simulating the corresponding products. The program and data required for the product are searched and read out from the product database, the condition input screen required for the simulation therein is transmitted, and the condition required for the simulation is input and received from the customer terminal. And run a simulation of that product Simulation generating means for recording in a database; and simulation result transmitting means for transmitting and displaying the simulation result to the terminal of the requested customer and distributing the charge to the terminal of the customer by e-mail, In the simulation generating means, when receiving the selection item of the design of the housing fund, further transmits various loan, repayment method selection screen as the housing fund, receives the selection sub-item, and then the product When the housing simulation condition input screen corresponding to is transmitted, the input condition is received and the simulation condition input screen is transmitted, the input condition is received and the simulation is executed, and the selection item of the educational asset design is received, In addition, send the selection screen of funding or loan, receive the selection sub-item, next Sending the education simulation condition input screen corresponding to the product, receiving the input conditions and executing the simulation, and when receiving the selection item of the retirement fund design, the retirement simulation condition input screen corresponding to the product is displayed. Transmitting, receiving the input condition data, transmitting a plan of the method of operating the financial assets and real estate, executing the simulation at the request of the simulation, and receiving the selection items of the asset management design Transmits the asset management simulation condition input screen corresponding to the product with various asset information items including home, house, income, pension, receives the input condition data, and plans the management method of the financial assets and real estate The simulation is executed, and the simulation is executed at the request of the simulation. When a design selection item is received, a selection screen for personal inheritance, business succession or inheritance measures is transmitted, the selection sub-item is received, and then an inheritance simulation condition input screen corresponding to the product , Receive the input conditions and run the simulation, receive the selected sub-items, then send the inheritance simulation condition input screen corresponding to the product, receive the input conditions and run the simulation, When the tax plan selection items are received, a selection screen for various income taxes including gift tax and real estate acquisition tax is transmitted, the selection sub-items are received, and then the inheritance simulation condition input corresponding to the product is input. When the screen is transmitted, the input conditions are received, the simulation is executed, and the insurance diagnosis selection items are received, the life insurance and pension insurance information are received. When the insurance diagnosis simulation condition input screen for inputting the information is transmitted, the input conditions are received, the simulation is executed, and when the life plan selection items are received, the family composition, child education cost, housing cost, living cost expenditure are received. A life plan / simulation condition input screen for inputting various types of information including the following is transmitted, and a simulation for predicting at least future income / expenditure balance and savings balance is executed by receiving the input conditions.
[0011]
In addition, the funding simulation as the education fund includes a trial calculation of the total reserve based on the conditions of the reserve amount and the reserve period each time, a trial calculation of the reserve amount each time based on how many years later it is necessary, and a calculation of the reserve amount and the target amount each time. It is characterized in that three funding simulations are performed with a funding period from conditions and a trial calculation.
[0012]
In addition, the loan simulation as the education fund is based on two calculations: a trial calculation of the repayment amount of each month / bonus month from the conditions of the borrowing amount and the repayment period, and a trial calculation of the repayment period from the conditions of the borrowing amount and the repayment amount of the monthly / bonus month. It is characterized by performing a loan simulation.
[0013]
When the customer member selects the retirement fund design on the selection screen as the product menu of the financial planning support, the retirement simulation condition input screen is searched in the product database in order to obtain the conditions required for the simulation. A retirement condition input screen transmitting means for transmitting the corresponding input screen and inputting the type of pension, enrollment period, average standard remuneration monthly amount, simulating public pension receipt, and subscribing to private pension insurance In some cases, by inputting the conditions, the total pension that can be received together with the public pension is simulated.
[0014]
When a customer member selects an asset management design on the selection screen as a product menu of the financial planning support, the family, house, income, life insurance, and asset are acquired in order to acquire the conditions required for the simulation.・ Providing an asset management condition input screen transmission means for transmitting an asset management simulation condition input screen including an item column for entering pension information, receiving the input data, creating a plan of an operation method for financial assets and real estate, The transmission is performed, and if requested by a customer member, the simulation is performed.
[0015]
When a customer member selects an asset management design on the selection screen as a product menu of the financial planning support, the family, house, income, life insurance, and asset are acquired in order to acquire the conditions required for the simulation.・ Providing an asset management condition input screen transmission means for transmitting an asset management simulation condition input screen including an item column for entering pension information, receiving the input data, creating a plan of an operation method for financial assets and real estate, The transmission is performed, and if requested by a customer member, the simulation is performed.
[0016]
When a customer member selects an inheritance design on the selection screen as a product menu of the financial planning support, an inheritance of an individual, an inheritance of a business succession, An inheritance sub-item selection screen transmitting means for transmitting a sub-item selection screen for selecting one of the countermeasures, and when the selection sub-item is received, an inheritance simulation condition input screen corresponding to the product is searched from the product database. Means for transmitting the input screen to the customer's terminal and transmitting the input screen to the customer's terminal, and when the individual's inheritance is selected, the inheritance tax amount is calculated from the composition of the heir and the total amount of the assets, and the inheritance of the business succession is performed. If you select, calculate the inheritance tax valuation of your own shares or unlisted shares. And performing a simulation of multiple estimate and inheritance pattern be designated.
[0017]
When a customer member selects a tax plan on the selection screen as a product menu of the financial planning support, a gift tax, a real estate acquisition tax, a residential property replacement Tax sub-item transmission means for transmitting a special item, special residential property replacement exception, land and building exchange exception, land and building acquisition exchange exception, stock sale acquisition tax, and sub-item selection screen for calculating the total amount of the acquisition tax law. Select the sub-item on the selection screen, receive the sub-item, search the product database, send the tax simulation condition input screen corresponding to the product, enter the respective conditions and execute the simulation It is characterized by comprising a tax condition input screen transmitting means that can be used.
[0018]
Further, when a customer member selects a life plan on the selection screen as a product menu for the financial planning support, the member's family structure, child education cost, housing cost, Life plan including item fields for entering information on life and expenditures, salary income, life insurance content, asset information, public pension enrollment history, pension enrollment history, pension insurance enrollment history A condition input screen transmitting means, receiving the input data, generating a cash flow from the future income and expenditure forecast based on the condition data, and simulating a future forecast of a balance graph and a savings balance transition graph; .
[0019]
BEST MODE FOR CARRYING OUT THE INVENTION
An embodiment of the present invention will be described below with reference to the drawings.
[0020]
FIG. 1 shows a configuration diagram of a simulation system 10 for financial planning support via the Internet according to the present invention, and client terminals 30 and 30 of customers connected to the simulation system 10 via an Internet line 20. 30a is a Web browser of the terminal 30, respectively.
[0021]
The simulation system 10 provides at least a financial planning support product menu that the customer wants to request at least for housing finance design, education trial design, retirement fund design, asset management design, inheritance design including business succession, tax planning, insurance diagnosis, and life insurance. As a plan or the like, a simulation access signal for supporting a financial plan for each product is received from a client terminal 30 of a customer registered as a member via the Internet 30, and the simulation result is transmitted to the customer terminal 30. System.
[0022]
As shown in FIG. 1, the system 10 includes an application server 11 that processes a simulation job, a database server 12 that manages a database 13 that records information necessary for the simulation job, a web server 14 and a mail server 15. , And a fireall 16 connected to the Internet 20.
[0023]
The database 13 includes a customer member database 13a in which basic information including an e-mail address for each customer, an ID code, and a password are registered, and a menu in which programs and data that require simulation of the product for each financial planning menu are stored. The database 13b includes a database 13b for each product, a simulation history database 13c that records the results of simulation history performed at the request of the customer member, and a charging database 13d for each customer member.
[0024]
The application server 11 transmits a registration data input screen in response to an access signal from the terminal 30 of the customer who requests registration as a member, receives the input data, records it in the customer member database 13a, and A member registration unit 11a for recording the ID code and the password and delivering an e-mail for approval of the member is provided.
[0025]
Further, in response to the access signal for financial planning support from the customer terminal 30, the server 11 confirms the ID code and the password, and then transmits a product menu selection screen displaying all items of the product menu. A screen transmission unit 11b is provided.
[0026]
Further, the server 11 prompts the customer member to input selection items on the product menu selection screen, receives the selection items, and searches and reads out programs and data necessary for the simulation of the corresponding product from the product database 13b. And a simulation generating means 11d for executing a simulation of the product and recording the result in the simulation history database 13c.
[0027]
Also provided is a simulation result transmitting means 11d for transmitting and displaying the simulation result to the terminal 30 of the requested customer and distributing the charging fee to the terminal 30 by e-mail.
[0028]
Here, an embodiment of the Web page of the product menu selection screen described above and FIG. 6 are shown. Here, the selection screen 60 includes a housing fund design button 60a, an education fund design button 60b, a retirement fund design button 60c, an asset management design button 60d, an inheritance design button 60e including business succession, a tax plan button 60f, and an insurance diagnosis button. 60g, a life plan button 60h, and a comprehensive proposal button 60i are provided, and a cancel button 60x, a confirm button 60y, and a send button 60z are provided. The select buttons 60a to 60i are pressed, and the confirm button 60y is pressed, and then transmitted. By pressing down the button 60z, the selected product menu can be transmitted to the simulation system 10.
[0029]
Next, an operation flow of the simulation system for financial planning support according to the present invention will be described with reference to FIGS.
[0030]
FIG. 2 shows the overall operation of the communication between the simulation system 10 and the customer terminal 30 via the Internet 20.
[0031]
In steps S21 and S22, the customer terminal 30 first sends a membership request to the member. The simulation system 10 receives the access signal and transmits a member registration data input screen. The terminal 30 receives the input screen, inputs data to be registered, and transmits the data. The system 10 receives the input data and records an ID code, a password, an e-mail address, and the like in the customer member database 13a. Notify the customer to that effect.
[0032]
In steps S23 and S24, the terminal device 30 sends a simulation request. The simulation system 10 receives the access signal, checks the ID code and the password with the customer member database 13a, and transmits the product menu selection screen 60. The terminal 30 receives the selection screen 60, selects one of the selection items 60a to 60i, and transmits it. System 10 receives the selection.
[0033]
In steps S25 and S26, a program and data required for the simulation of the product corresponding to the item selected by the customer are retrieved and read from the product database 13b, and the input screen of the "conditions required for the simulation" is displayed. Send. The terminal 30 receives the input screen, inputs “conditions required for simulation”, and transmits the input to the system 10. The system 10 receives the input condition and executes a simulation.
[0034]
In steps S27 and S28, the system 10 records the simulation result of the product in the simulation history database 13c and transmits it to the terminal device 30. At the same time, the charging fee is transmitted by e-mail and stored in the charging database 13d. The terminal 30 receives the simulation result and the billing e-mail.
[0035]
The method of acquiring the “conditions required for simulation” in FIG. 2 differs depending on the selected product. Each case of each selected product will be described.
[0036]
FIG. 3 shows an embodiment when the selected product is a housing fund design.
[0037]
In step S31 (in the case where 60a in FIG. 6 is selected in step S24 in FIG. 2), the system 10 obtains “conditions required for the simulation” by purchasing a purchase loan, a replacement loan, and refinancing as housing funds. A selection screen for each sub-item of loan, advanced repayment, and borrowing limit amount calculation is transmitted (house sub-item transmission means).
[0038]
In step S32, the terminal 30 receives the house sub-item selection screen, selects one of the sub-items, and presses the send button.
[0039]
In step S33, the system 10 receives the selected sub-item, searches the database 13b for a house simulation condition input screen corresponding to the product, and transmits the screen (house condition input screen transmission means).
[0040]
In step S34, a house simulation condition input screen is received, and condition data is input and transmitted to the system 10.
[0041]
In step S35, the system 10 receives the input condition data and executes the simulation.
[0042]
Here, the process returns to steps S27 and S28 in FIG.
[0043]
Next, FIG. 4 shows a case where a product of the educational fund design is selected.
[0044]
In step S41 (in the case where 60b in FIG. 6 is selected in step S24 in FIG. 2), the system 10 selects the funding simulation or the loan simulation as the education fund in order to acquire the “conditions required for the simulation”. An education sub-item selection screen is transmitted (education sub-item transmission means).
[0045]
In step S42, the terminal 30 receives the education sub-item selection screen, selects and transmits one of the sub-items.
[0046]
In step S43, the system 10 receives the selected sub-item, retrieves the corresponding educational simulation condition input screen from the commodity database 13b, and transmits the retrieved educational simulation condition input screen (education condition input screen transmission means).
[0047]
In step S44, the terminal device 30 receives the education simulation condition input screen, inputs condition data, and transmits it.
[0048]
In step S45, the system 10 receives the input condition data and executes the simulation.
[0049]
Here, when "Reserve" is selected in the sub-item, a trial calculation of the total reserve based on the conditions of the reserve amount and the reserve period each time, a trial calculation of the reserve amount each time based on the condition of how many years later, and a reserve amount each time And three funding simulations of trial calculation of the funding period from the conditions of the target amount.
[0050]
When “loan” is selected in the sub-item, two loan simulations of trial calculation of the repayment amount of each month / bonus month and trial calculation of the repayment amount of the borrowing amount and monthly / bonus month are performed based on the conditions of the borrowing amount and the repayment period. Thereafter, the process proceeds to steps S27 and S28 in FIG.
[0051]
FIG. 5 shows a case where a product of the retirement fund design is selected.
[0052]
In step S51 (in the case where 60c in FIG. 6 is selected in step S24 in FIG. 2), the system 10 displays the retirement simulation condition input screen corresponding to the retirement fund for the product in order to obtain “conditions required for simulation” The input screen is retrieved from the database 13b and transmitted (retirement condition input screen transmission means).
[0053]
In step S52, the terminal 30 receives the retirement simulation condition input screen, inputs and transmits condition data.
[0054]
In step S53, the system 10 receives the input condition data, and creates and transmits a plan of an operation method for financial assets and real estate.
[0055]
In step S54, the terminal device 30 receives the operation method plan and transmits the plan when the user wants the simulation to be put to practical use.
[0056]
In step S55, the system 10 executes a simulation. Thereafter, the process proceeds to steps S27 and S28 in FIG.
[0057]
For detailed data on retirement conditions, a public pension receipt simulation is executed based on the type of pension, enrollment period, and the average monthly remuneration, and a simulation of the total pension can be executed by entering the conditions for private annuity insurance. .
[0058]
Next, when a product of the asset management design is selected (when 60d in FIG. 6 is selected in step S24 in FIG. 2), the flow chart pattern is similar to that in FIG. Here, an asset management condition input screen including an item field for entering family, house, income, life insurance, asset, and pension information is transmitted to acquire conditions required for the simulation (asset management condition input screen transmission means). ). Next, the terminal 30 receives the input data inputted by the customer, prepares a plan of operation method for financial assets and real estate, transmits it to the terminal 30 of the customer, and simulates the request if requested by the customer member. Do.
[0059]
Next, when a product of the inheritance design is selected (when 60e in FIG. 6 is selected in step S24 in FIG. 2), the flow chart pattern is similar to that in FIG. Here, in order to acquire the conditions required for the simulation, a sub-item selection screen for selecting one of inheritance of individuals, inheritance of business succession, and measures for inheritance is transmitted to the terminal device 30 (inheritance sub-item selection). Screen transmission means). Next, the terminal 30 receives the sub-item selected by the customer, retrieves and reads out the inheritance simulation condition input screen corresponding to the product from the product database, and transmits the input screen to the customer terminal (inheritance condition input). Screen transmission means).
[0060]
Here, if individual inheritance is selected, the inheritance tax amount is calculated based on the composition of the heir and the total amount of assets.If the inheritance of business succession is selected, the inheritance tax valuation of the company's shares or unlisted shares is calculated, and the inheritance tax is calculated. When a countermeasure is selected, a plurality of inheritance patterns are calculated by allowing the customer member to specify the inheritance ratio at the inheritance ratio for each property.
[0061]
Next, when the product of the tax plan is selected (when 60f in FIG. 6 is selected in step S24 in FIG. 2), since it is a flowchart pattern similar to the above-described FIG.
[0062]
Here, in order to acquire the conditions required for the simulation, the sub-items of the gift tax, real estate acquisition tax, special property replacement Send the selection screen (tax sub-item sending means). The sub-item is transmitted to the terminal device 30, the sub-item selected by the customer is received, the tax simulation condition input screen corresponding to the product is transmitted, and the customer inputs respective condition data, and the simulation is performed based on the input conditions. Is executed (tax condition input screen transmission means).
[0063]
Next, when a product for insurance diagnosis is selected (when 60g in FIG. 6 is selected in step S24 in FIG. 2), since it is a flowchart pattern similar to that of FIG. 5 described above, illustration is omitted. Here, in order to acquire the conditions required for the simulation, an insurance diagnosis simulation condition input screen including an item column for inputting information on life insurance and annuity insurance is transmitted (insurance diagnosis condition input screen transmitting means). Further, the simulation is performed to perform analysis / reassembly diagnosis.
[0064]
Next, when a product of the life plan is selected (when 60h in FIG. 6 is selected in step S24 in FIG. 2), the flow chart pattern is similar to that in FIG. Here, in order to obtain the conditions necessary for the simulation, information on family composition, child education expenses, housing expenses, living expenses, salary income, life insurance contents, asset information, public pension enrollment history, pension insurance enrollment history A life plan / simulation condition input screen including at least an item field to be input is transmitted (life plan condition input screen transmission means). Upon receiving the input data, a cash flow is generated from the expected future income and expenditure according to the conditions, and a simulation of a future forecast of the balance graph and the savings balance transition graph is executed.
[0065]
Finally, when the product of the comprehensive proposal is selected (when 60i in FIG. 6 is selected in step S24 in FIG. 2), all the products accessed by the customer up to the present are searched for and read out by the simulation history database 13c. Automatically create and send reports based on history. In addition, a professional proposal is generated at the request of the customer to generate a comprehensive proposal, which is transmitted to the customer terminal 30.
[0066]
【The invention's effect】
The simulation system for financial planning support via the Internet according to the present invention has the following effects.
[0067]
A simulation menu for financial planning support, which is deemed necessary by customers, is a full-range product menu that can support all aspects of life and life planning. If the user selects and transmits from the product menu and inputs data to the simulation condition input screen from the simulation system, the simulation result can be efficiently acquired in a short time.
[0068]
As in the past, there is no time-consuming inefficiency of searching for each expert during consultation, consulting with the expert, analyzing the contents, and performing simulations under conditions tailored to each individual.
[0069]
Also, since the product menu content covers the entire range, if the customer accesses multiple product menus with the passage of age, a more comprehensive and reliable proposal for the customer or a more advanced simulation for it Will be able to do.
[Brief description of the drawings]
FIG. 1 is a diagram showing a configuration of a simulation system for financial planning support via the Internet according to the present invention, and a customer terminal connected to the system via the Internet.
FIG. 2 is a flowchart of the simulation system of the present invention (flowchart of overall operation).
FIG. 3 is a flowchart of the simulation system of the present invention (when a house fund design product is selected).
FIG. 4 is a flowchart of the simulation system of the present invention (when a product for educational fund design is selected).
FIG. 5 is a flow chart of the simulation system of the present invention (when a product of the retirement fund design is selected).
FIG. 6 is a Web page displaying a product menu selection screen.
[Explanation of symbols]
10 Simulation system
11 Application server
11a Member registration means
11b Menu selection screen transmission means
11c Simulation generation means
11d Simulation result transmission means
12 Database server
13 Database
13a Customer Member Database
13b Product database for each menu
13c Simulation history database
13d billing database
14 Web server
15 mail server
16 Firewall
20 Internet line
30,30 Client terminal of customer
30a Web browser program
60 Web page of product menu selection screen
60a-60i Product menu selection button
60x Cancel button
60y Confirm button
60z send button

Claims (9)

Multiple products consisting of at least housing, education, retirement fund design, asset management design, inheritance design including business succession, tax plan, insurance diagnosis, and life plan that support financial planning that can cover all aspects of customer life planning A simulation system that determines a menu, receives a simulation access signal for supporting a financial plan for each product from a client terminal of a customer registered as a member via the Internet, and transmits the simulation result to the customer. And
An application server that processes the simulation job, a database server that manages a database that records information necessary for the simulation job, and a web server and a mail server;
The database includes a customer member database in which basic information including an e-mail address for each customer, an ID code, and a password are registered, and a menu in which programs and data required for the simulation of the product for each menu of the financial plan are recorded. A database for each product, a simulation history database that records simulation history results performed at the request of the customer member, and a billing database for each customer member used,
The application server transmits a registration data input screen in response to an access signal from a customer terminal requesting registration to a member, receives the input data, records the data in the customer member database, and A member registration means for recording an ID code and a password and delivering an e-mail for approval of the member;
Menu selection screen transmitting means for transmitting a selection screen displaying all items of the product menu after confirming with the ID code and the password in response to an access signal for financial planning support from the customer terminal;
When a customer member selects a housing fund design on the selection screen as a product menu of the financial planning support, a purchase loan as a housing fund, a replacement loan, a refinancing loan, in order to obtain a condition that requires the simulation. Residential sub-item transmission means for transmitting a selection screen for each sub-item of operation repayment and borrowing limit amount calculation, and letting the user select a sub-item on the selection screen, receiving the sub-item, and searching the product database A housing condition input screen transmitting means for transmitting a house simulation condition input screen corresponding to the product,
When the customer member selects the education fund design on the selection screen as the product menu of the financial planning support, the user selects either the funding simulation as the education fund or the loan simulation to acquire the conditions required for the simulation. Education sub-item transmission means for transmitting a sub-item selection screen, and letting the user select a sub-item on the selection screen, receive the sub-item, search the product database, and enter an education simulation condition input screen corresponding to the product Means for transmitting an educational condition input screen for transmitting
The customer member inputs selection items on the screen, receives the items, searches and reads out the program and data required for the simulation of the corresponding product from the product database, and conditions required for the simulation therein. Simulation generating means for transmitting an input screen, inputting and receiving conditions required for the simulation from a customer terminal, executing a simulation of the product, and recording a result in a simulation history database;
Simulation result transmitting means for transmitting and displaying the simulation result to the requested customer terminal and distributing the charging fee to the customer terminal by e-mail,
In the simulation generating means, when receiving the selection item of the design of the housing fund, further transmits various loan, repayment method selection screen as the housing fund, receives the selection sub-item, and then the product Send the housing simulation condition input screen corresponding to, receive the input conditions and send the simulation condition input screen, receive the input conditions and execute the simulation,
When receiving the educational asset design selection item, further transmit a funding or loan selection screen, receive the selection sub-items, then transmit the education simulation condition input screen corresponding to the product, and input Receiving the conditions and running the simulation,
When the selection item of the retirement fund design is received, transmit the condition input screen of the retirement simulation corresponding to the product, receive the input condition data, and transmit the financial asset and real estate management method plan , Run the simulation at the request of the simulation,
When the asset management design selection items are received, an asset management simulation condition input screen corresponding to the product having various asset information items including home, house, income, pension is transmitted, and the input condition data is received. , Send a plan of how to operate the financial assets and real estate, and execute the simulation at the request of the simulation,
When the inheritance design selection item is received, further, a personal inheritance, business succession or inheritance measure selection screen is transmitted, the selection sub-item is received, and then the inheritance simulation condition corresponding to the product Send the input screen, receive the input conditions and execute the simulation, receive the selected sub-items, then send the inheritance simulation condition input screen corresponding to the product, receive the input conditions and execute the simulation And
When the tax plan selection items are received, a selection screen for various income taxes including gift tax and real estate acquisition tax is transmitted, the selection sub-items are received, and then the inheritance simulation condition input corresponding to the product is input. Send a screen, receive input conditions, run a simulation,
When the selection item of the insurance diagnosis is received, an insurance diagnosis simulation condition input screen for inputting life insurance and annuity insurance information is transmitted, the input condition is received, and a simulation is executed.
When the life plan selection items are received, a life plan / simulation condition input screen for inputting various information including family composition, child education costs, housing costs, living expenses expenditures is transmitted, and the input conditions are received and future A simulation system for supporting financial planning via the Internet, wherein the simulation system executes at least a simulation for estimating the income-expenditure balance and the savings balance of the financial plan. The funding simulation as the education fund is based on a trial calculation of the total funding amount from the conditions of the reserve amount and the reserve period each time, a trial calculation of the reserve amount from the condition of how many years later, and a condition of the reserve amount and the target amount each time. 4. The simulation system for financial planning support via the Internet according to claim 3, wherein three funding simulations are performed with the funding period and trial calculation. The loan simulation as the education fund is a two-loan simulation consisting of a trial calculation of the repayment amount of each month and bonus month based on the conditions of the borrowing amount and the repayment period, and a trial calculation of the repayment period based on the conditions of the borrowing amount and the repayment amount of the monthly and bonus months. The simulation system for supporting financial planning via the Internet according to claim 3 or 4, wherein the simulation is performed. When the customer member selects the retirement fund design on the selection screen as the financial planning support product menu, the retirement simulation condition input screen is searched in the product database to obtain the conditions required for the simulation. If you have a retirement condition input screen transmitting means to transmit the corresponding input screen, you can enter the pension type, enrollment period, average standard remuneration monthly amount, perform a public pension receipt simulation, and if you are enrolled in private pension insurance 2. The simulation system for financial planning support via the Internet according to claim 1, wherein by inputting the conditions, the total pension that can be received together with the public pension is simulated. When a client member selects an asset management design on the selection screen as a product menu of the financial planning support, the family, housing, income, life insurance, asset, pension are obtained in order to acquire the conditions required for the simulation. An asset management condition input screen transmission means for transmitting an asset management simulation condition input screen including an item field for inputting information is provided.The input data is received, and a plan of an operation method for financial assets and real estate is created and transmitted. 2. The simulation system for supporting financial planning via the Internet according to claim 1, wherein the simulation is performed when requested by a customer member. When a customer member selects an inheritance design on the selection screen as a product menu of the financial planning support, an inheritance of an individual, an inheritance of a business succession, or an inheritance measure to obtain conditions required for the simulation. An inheritance sub-item selection screen transmitting means for transmitting a sub-item selection screen for selecting one of the following; and when the selection sub-item is received, an inheritance simulation condition input screen corresponding to the product is searched from the product database. A means for transmitting an input screen to the terminal of the read-out customer, and an inheritance condition input screen transmitting means. When an individual's inheritance is selected, the inheritance tax amount is calculated from the composition of the heir and the total amount of assets, and the inheritance of the business succession is selected. If you do, calculate the inheritance tax valuation of your own shares or unlisted shares, and if you choose inheritance measures, the customer member will specify the inheritance ratio for each property Simulation system for financial planning support via the Internet according to claim 1, wherein the simulation is performed Kill way inheritance patterns and multiple estimates. When the customer member selects a tax plan as the product menu of the financial planning support on the selection screen, a gift tax, a real estate acquisition tax, a special property replacement for living property to acquire conditions necessary for the simulation, Tax sub-item transmission means for transmitting a sub-item selection screen for special residential property replacement exception, land / building exchange exception, land / building acquisition exchange exception, stock sale acquisition tax, acquisition tax law total amount calculation, Select a sub-item on the selection screen, receive the sub-item, search the product database, send the tax simulation condition input screen corresponding to the product, enter the respective conditions and execute the tax 2. A system for supporting financial planning via the Internet according to claim 1, further comprising condition input screen transmitting means. Interview configuration system. When a customer member selects insurance diagnosis on the selection screen as a product menu of the financial planning support, an item column for inputting information on life insurance and annuity insurance to obtain conditions required for the simulation is included. An insurance diagnosis condition input screen transmission means for transmitting an insurance diagnosis simulation condition input screen, receiving the input data, performing a simulation based on the input data, and performing analysis / reassembly diagnosis. 1. A simulation system for financial planning support via the Internet according to 1. When a customer member selects a life plan on the selection screen as a product menu for the financial planning support, the member's family structure, child education expenses, housing expenses, living expenses, etc. are obtained in order to obtain the conditions necessary for the simulation. Includes items for entering information on expenditure, salary, income, life insurance content, asset information, public pension enrollment history, pension enrollment history, pension insurance enrollment history A screen transmitting means, receiving the input data, generating a cash flow from a future income and expenditure forecast based on the condition data, and simulating a future forecast of a balance graph and a savings balance transition graph. Simulation of financial planning support via the Internet described in 1. Stem.

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