JP2005228279A - Life plan analysis device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To facilitate comparison between personal information of an object person and an analysis result, to feed back the analysis result to present economic activity or the like, and to improve convenience in reviewing a life play of the object person, in a life plan analysis device. <P>SOLUTION: This life plan analysis device is used for analyzing a life plan by inputting various kinds of personal information data. A display screen of the life plan analysis device includes a condition input part and an analysis part, and simultaneously displays the condition input part and the analysis part. A life plan analysis operation is executed upon the completion of the input operation of one item of the condition input part, and the analysis result is plotted on the analysis part of the display screen, whereby the analysis of the life plan and the result display thereof is carried out. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a life plan analysis apparatus, and more particularly to a life plan analysis apparatus that inputs various personal information data and analyzes a life plan.

  Conventionally, various life plan analyzers have been proposed and used in the insurance industry and other industries. Here, the life plan analyzer is expected to have the target person's current financial information (income, expenditure, assets, etc.) mainly from the present to the future by inputting the current personal information of the target person. It is a device that analyzes and displays the life situation. Such a life plan analysis device is a very convenient device for the target person to know what preparations should be prepared now or in the future and to examine an appropriate insurance plan.

Japanese Patent Laid-Open No. 11-25155 (Patent Document 1) discloses an invention that is considered as one form of the life plan analyzer.
Japanese Patent Laid-Open No. 11-25155

  However, in the above life plan analyzer, after personal information is first input to the condition input unit, the screen transitions from the condition input unit screen to the analysis result display screen, and the analysis result is displayed. There was a problem that the screen of the condition input part where personal information was input disappeared. This makes it difficult to compare the personal information of the subject and the analysis result when viewing the analysis result.

  The life plan analyzer is used by the target person himself / herself or by the adviser to the target person to examine and analyze the future life plan of the target person. Then, based on the result obtained by the device, there is a possibility that this will be fed back to the current economic activity, etc., and the life plan of the target person will be reviewed, and then the device will be used for reanalysis. Very expensive. Nevertheless, every time an analysis is performed by the device, the screen changes to the condition input screen, some or all items of personal information are re-input, and the screen changes to a screen that displays the analysis results. Then, it is very difficult to understand where the current economic activities etc. should be revised and what kind of insurance financial products should be supplemented, and which items of the subject's personal information There is a problem that it is difficult to see whether or not this has a great influence on the analysis results.

  Therefore, the present invention has been made in view of the above-mentioned problems, and the purpose of the present invention is to facilitate comparison of the personal information of the subject and the analysis result when viewing the analysis result, To improve the convenience of reviewing the target person's life plan, to change the current economic activity, etc., and to supplement with any plan insurance financial products It is an object of the present invention to provide a life plan analysis apparatus that makes it easy to understand what should be done and makes it easy to see which items of personal information of the subject have a great influence on the analysis result.

  The above problem is solved by, for example, the configuration shown in FIG. That is, the life plan analyzer of the present invention (1) is a life plan analyzer that inputs various personal information data and analyzes the life plan. The display screen of the life plan analyzer includes a condition input unit and an analysis unit. In addition, the condition input unit and the analysis unit are simultaneously displayed on the screen.

  By adopting such a configuration, it is possible to provide a life plan analyzer that makes it easy to compare the personal information of the subject and the analysis results when viewing the analysis results.

  Preferably, the life plan analyzer of the present invention (2) inputs one item of a condition input unit in the life plan analyzer of the present invention (1) that inputs various personal information data and analyzes the life plan. The life plan analysis operation is executed in response to the completion of the operation, and the life plan is analyzed and the result is displayed by drawing the analysis result on the analysis unit in the display screen.

  By adopting such a structure, the analysis results are fed back to the current economic activities, etc., improving the convenience of reviewing the target person's life plan, and changing the current economic activities, etc. This makes it easier to understand what kind of plan should be supplemented with insurance financial products, and makes it easier to see which items of the subject's personal information have a significant impact on the analysis results. It becomes possible to provide a life plan analyzer.

  Preferably, the life plan analysis apparatus according to the present invention (3) is a life plan analysis apparatus according to the present invention (1) in which life plan analysis is performed by inputting various personal information data. "Analysis screen" and "Death case" analysis screen, each of which performs an analysis display operation.

  By adopting such a configuration, it becomes possible to analyze the life plan for each case of “survival case” and “death case”.

  Preferably, the life plan analyzer of the present invention (4) inputs various personal information data and analyzes the life plan. In the life plan analyzer of claim 1, the life plan analyzer analyzes the result. An automatic determination is made by making a determination as to whether the life plan is appropriate, and the determination is distinguished by color display or sound generation.

  By adopting such a configuration, it becomes easy for the user to understand whether the life plan is appropriate.

  Preferably, the life plan analyzer of the present invention (5) inputs various personal information data and analyzes the life plan. In the life plan analyzer of claim 4, the automatic determination is performed by pressing an automatic determination button. This is the opportunity.

  By adopting such a configuration, the user can determine the trigger for automatic determination.

  The life plan analysis apparatus of the present invention (6) is a life plan analysis apparatus for analyzing life plans by inputting various personal information data. The analysis unit on the display screen of the life plan analysis apparatus performs income period analysis. The revenue period analysis unit and the payment period analysis unit are displayed on the screen at the same time.

  By adopting such a configuration, the user can compare the income period and the expenditure period, and the user can strongly recognize the difference in the economic structure between the income period and the expenditure period, and prepare for the expenditure period. It becomes possible to raise awareness.

  Preferably, the program of the present invention (7) inputs various personal information data, analyzes the life plan, and displays the life from the present invention (1) to the present invention (6) displayed on the display screen. This is for executing the plan analyzer.

  By adopting such a configuration, it is possible to provide a program for executing the life plan analyzer.

  ADVANTAGE OF THE INVENTION According to this invention (1), it becomes possible to provide the life plan analyzer which makes it easy to compare a subject's personal information and an analysis result when seeing an analysis result.

  According to the present invention (2), the analysis result is fed back to the current economic activity, etc., the convenience in reexamining the target person's life plan is improved, and the current economic activity, etc. is revised. It is possible to make it easier to understand what type of insurance financial products should be supplemented, etc., and to make it easier to see which items of the subject's personal information have a significant impact on the analysis results It is possible to provide a life plan analysis apparatus.

  According to the present invention (3), it is possible to analyze the life plan for each of the “survival case” and “death case” cases.

  According to the present invention (4), it is easy for the user to understand whether the life plan is appropriate.

  According to the present invention (5), the user can decide the trigger for automatic determination.

  According to the present invention (6), the user can compare the income period and the expenditure period, the user can strongly recognize the difference in the economic structure between the income period and the expenditure period, and prepare for the expenditure period. It becomes possible to raise awareness.

  According to the present invention (7), it is possible to provide a program for executing the life plan analyzer.

  The best mode for carrying out the present invention is as described in Examples shown below.

  Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. Note that the same reference numerals denote the same or corresponding parts throughout the drawings.

  FIG. 1 is a block diagram showing a hardware configuration of a life plan analyzer according to an embodiment of the present invention. FIG. 2 is an external view showing the external appearance of the life plan analyzer in the embodiment of the present invention. 1 and 2, reference numeral 11 denotes a CPU as a control means, and B denotes a main CPU bus, which is connected to the CPU 11 and functions as a bus for the CPU 11. That is, many components of the life plan analyzer are connected to the main CPU bus B, and exchange data with the CPU 11 via the main CPU bus B. As a result, a system using the CPU 11 as a control means is formed around the main CPU bus B, and the life plan analyzer is realized by this system.

  Reference numeral 12 denotes a ROM which is a nonvolatile storage means storing a program such as starting the apparatus or operating each component in the apparatus. Reference numeral 13 is a temporary storage for an application program or operating the apparatus. RAM as temporary storage means for use as a work area. Both the ROM 12 and the RAM 13 are connected to the CPU bus B.

  Reference numeral 14 denotes a VRAM (VIDEO-RAM). The VRAM 14 is also connected to the main CPU bus B, and on the other hand, is connected to a display 15 as a display means via a connector or a cable. Reference numeral 15 a denotes an outer edge of the display surface of the display 15.

  On the other hand, 16 is a mouse IF, and 17 is a mouse as a first input means for specifying a position in the screen. The operator can move a cursor (not shown) to an arbitrary position on the screen by moving the mouse 17 while looking at the screen displayed on the display 15, and here, the mouse 17 shown in FIG. By clicking the button, you can specify an arbitrary position in the screen. The mouse 17 is connected to the mouse IF 16, and the mouse IF 16 mediates data exchange between the mouse 17 and the main CPU bus B. That is, since the mouse IF 16 is connected to the main CPU bus B, the mouse 17 and the CPU 11 can transmit information.

  Reference numeral 18 denotes a keyboard IF, and reference numeral 19 denotes a keyboard as a second input means for character input. The operator can input a character corresponding to the key by tapping a key on the keyboard 19. The keyboard 19 is connected to the keyboard IF 18, and the keyboard IF 18 mediates exchange of data between the keyboard 19 and the main CPU bus B. That is, since the keyboard IF 18 is connected to the main CPU bus B, the keyboard 19 and the CPU 11 can transmit information.

  Next, 20 is a hard disk as a mass storage means. The hard disk 20 is also connected to the main CPU bus B, and stores application programs, life plan analysis result data of each target person, and the like. The hard disk 20 can store a large amount of data.

  Reference numeral 21 denotes a DA converter, and reference numeral 22 denotes a speaker as an audio output means. The DA converter 21 converts digital data into analog data. The output side is connected to the speaker 22 and the input side is connected to the main CPU bus B. As a result, by sending a digital audio signal from the CPU 11 or the like to the DA converter 21 via the main CPU bus B, audio can be output from the speaker 22.

  Reference numeral 23 denotes a microphone as voice input means, and reference numeral 24 denotes an AD converter. The output of the microphone 23 is connected to the input of the AD converter 24, and the output of the AD converter 24 is connected to the main CPU bus B. As a result, if sound is input from the microphone 23, the sound signal data converted into the digital system can be taken into the main CPU bus B. As a result, the sound signal data can be handled by the CPU 11. Is possible.

  Further, the main CPU bus B is connected with a communication IF-A 25 as a first communication means and a communication IF-B 26 as a second communication means. In order to communicate with other information devices and the like, these have a function of converting a data format according to each communication protocol or the like. In this embodiment, the communication IF-A 25 is connected to the external communication network on the side opposite to the main CPU bus B, and the communication IF-B 26 is connected to the printer 27 on the side opposite to the main CPU bus B. Therefore, the life plan analysis apparatus can be connected to, for example, a LAN or the Internet via the communication IF-A 25. On the other hand, the screen display content and the life plan of each subject person are displayed on the printer 27 via the communication IF-B 26. It is possible to output the analysis results and the like. However, it may or may not be connected to the LAN, the Internet, the printer 27, or the like.

  As described above, the display 15, the mouse 17, the keyboard 19, and the printer 27 in the block diagram shown in FIG. 1 are used outside the housing A as shown in FIG. Connected with and used. Further, the external communication network is not shown in FIG. On the other hand, parts other than the above are housed inside the casing A. The casing A is equipped with a power button MSW that controls energization and disconnection of the apparatus. In the present embodiment, these are combined to constitute the life plan analyzer, but not all the components shown in the block diagram etc. are necessarily essential components in the present invention.

  With the above configuration, the operation of the life plan analyzer will be described with reference to the following drawings.

  FIG. 3 is a flowchart of operations related to the start and end of use of the life plan analyzer.

  First, when the user presses the power button MSW in the casing A shown in FIG. 2, the entire life plan analyzer is energized. Immediately after this initial energization, a power-on reset is activated. If this reset is released, the process proceeds to the flowchart showing the operation after power-on shown in FIG. In the flowchart, first, the CPU 11 executes an initial sequence (S301), and then the apparatus enters a normal state (S302). In the normal state, an icon for starting the life plan analyzer is displayed on the display 15. In a normal state, whether or not a forced termination condition occurs is monitored by polling (S302, S303). If it is detected for some reason or a user's operation that the forced termination should be performed, the CPU 11 Executes an end sequence (S304), and then the apparatus shuts down and the power supply to the apparatus stops.

  On the other hand, if the user operates the mouse 17 and selects the end menu displayed on the display 15 in the normal state, the polling operation state, etc. (S302, S303), the mouse IF 16 generates an interrupt to the CPU 11. Let If the CPU 11 determines that the end interrupt is based on the end menu as a result of analyzing the interrupt factor, the CPU 11 stops the polling operation and the like (S302, S303) described above, and the operation of the device is shown in FIG. The process forcibly shifts to a flowchart showing the operation at the time of shutdown. In this flowchart, the CPU 11 executes an end sequence (S311), and then the apparatus is shut down and the power supply to the apparatus is stopped as in the case of the forced end.

  On the other hand, the user operates the mouse 17 in the normal state, the polling operation state, etc. (S302, S303), and instructs the life plan analyzer activation icon displayed on the display 15 with the mouse 17. Suppose you double-click. Then, the mouse IF 16 also causes the CPU 11 to generate an interrupt here. If the CPU 11 determines that the life plan analysis apparatus is activated as a result of analyzing the interrupt factor, the CPU 11 stops the above-described polling operation (S302, S303), and the operation of the apparatus is illustrated in FIG. ) To forcibly shift to the flowchart showing the operation when the life plan analyzer is activated.

  In this flowchart, first, the CPU 11 sequentially reads application programs for operating the life plan analyzer from the hard disk 20 and temporarily stores them in the RAM 13 (S321). And the life plan analyzer is operated by executing the application program in order from the head address of the RAM 13.

  Next, the CPU 11 first secures an area in the RAM 13 for the execution of the life plan analyzer (S322). The manner of securing is shown in FIG. FIG. 4 is a diagram showing a state of each area secured in the RAM 13 for execution of the life plan analysis apparatus. In FIG. 4, a program area 13a for reading an application program in which an application program is stored starts from the top address of the RAM 13 and already occupies an area corresponding to the size of the application program. From the next area adjacent to this area, the CPU 11 saves the remaining area of the RAM 13 in the save area 13b for saving the background image of the current normal state screen, the work area 13c for the CPU 11 to work on, A character work area 13d for temporarily storing character data of a character, a parameter area for temporarily storing various personal information data input from a condition input unit, which will be described later, and used for calculations for life plan analysis The area is divided into areas 13e and an area is secured (S322). The remaining remaining area in the RAM 13 is 13f.

  When the above-described area securing operation is completed, the CPU 11 reads the background image data in the normal state (S302) from the VRAM 14, and saves the background image data in the reserved area 13b secured earlier and temporarily stores it (S323).

  After that, when the above background image data saving step (S323) is completed, the CPU 11 sets the life plan analyzer to an operating state (S324), and creates a state in which the device can operate as described below. Thus, the input of each item in the condition input unit is awaited (S324). Then, the CPU 11 draws and displays the display screen of the life plan analyzer on the display 15 (S325). With the above operation, the life plan analyzer is activated.

  Here, the case where various screens are drawn and displayed on the display 15 in the life plan analyzer will be described in detail as follows. That is, for example, the CPU 11 constructs image data of an image to be displayed on all or part of the screen on the work area 13c of the RAM 13. Then, by writing this image data into the VRAM 14, various screens are drawn and displayed on the display 15.

  Here, in many cases, the VRAM 14 has a storage capacity equal to or larger than all the colors of the display 15 × all pixels, and has a dual port RAM configuration. One end of the port is connected to the main CPU bus B, and the other end is connected to the display 15. In order for the CPU 11 to access each color and each pixel from the main CPU bus B side, an address is assigned in the address space of the CPU 11. As a result, the CPU 11 side reads / writes any pixel. Can be accessed. That is, the CPU 11 side can be accessed randomly.

  On the other hand, the display 15 and the VRAM 14 are connected. The display 15 scans all pixels of all colors at a constant speed (even if a still image is displayed), and repeats the screen update. it's shown. Therefore, from the display 15, for each color and each pixel, the first address to the last address of the VRAM 14 are sequentially read at a constant speed and transferred to each color and each pixel of the display 15. By constantly repeating this, drawing on the display 15 is performed.

  According to the above configuration, the CPU 11 side can always rewrite any color and any pixel on the screen, and when it is desired to rewrite all on the screen, for example, on the work area 13c of the RAM 13, for example. If all the image data of the screen is constructed and transferred and written in the VRAM 14 and the contents of the VRAM 14 are completely rewritten, the entire rewriting on the screen can be realized. On the other hand, when it is desired to rewrite only a part of the screen, the address of the VRAM 14 corresponding to the color or pixel of the position to be rewritten on the screen is accessed, and the content of only the color or pixel part is rewritten. Only rewriting can be realized.

  Returning again to the flowchart of the operation related to the start and end of the use of the life plan analyzer of FIG. 3, the life plan analyzer is in operation as described above, and the user operates the mouse 17. If the end menu of the life plan analyzer displayed on the display 15 is selected or the bounce button is pressed, the mouse IF 16 causes the CPU 11 to generate an interrupt. When the CPU 11 analyzes the cause of the interruption and determines that the interruption is an end interruption by the end menu of the life plan analysis apparatus or an end interruption by the bounce button, the operation of the apparatus is performed by the life plan analysis shown in FIG. The process forcibly shifts to a flowchart showing the operation when the apparatus is terminated.

  At this time, first, the CPU 11 cancels the operation state (S324) (S331). Then, the CPU 11 reads the background image data saved in advance in the save area 13 b in the RAM 13, uses this to reproduce the original screen in the normal state (S 302), and writes this in the VRAM 14. As a result, the image is displayed on the display 15 (S332). Finally, the CPU 11 discards the application program for operating the life plan analyzer read in the program area 13a of the RAM 13 (S333) (if the address of the area becomes freely usable). The operation of the life plan analyzer is terminated. As a result, the apparatus returns to the normal state and the polling operation state (S302, S303) shown in FIG. With the above operation, the life plan analyzer is terminated.

  The operation related to the start and end of use of the life plan analyzer in FIG. 3 has been described above, and the operation at the start and end of the life plan analyzer has been described. The subsequent operation will be described in detail below.

  FIGS. 5 and 6 are diagrams each showing an example of a display screen of the life plan analyzer activated by the above-described activation operation.

  FIG. 5 is a diagram illustrating an example of a display screen of the life plan analysis apparatus in “survival case”. In this case, the husband ("master") who is the subject survives after the age of 65 and is used for analysis of the life plan of the subject family when the subject has a long life.

  FIG. 6 is a diagram illustrating an example of a display screen of the life plan analyzer in “death case”. In this case, it is used for analyzing the life plan of the subject family when the husband who is the subject (“master”) died before reaching the age of 65.

  In the present embodiment, when the life plan analyzer is activated, the activation operation is performed according to the steps already described in FIG. 3C, and the display screen drawing display operation (S325) shown in FIG. Then, the display screen of the life plan analyzer in the “survival case” of FIG. 5 is displayed. When this display is made, as already described in FIG. 3 (c), the life plan analysis apparatus is in an operating state, and the apparatus is operable, and each item of the condition input unit is input. It is in a waiting state (S324). However, it is possible to adopt a configuration in which the display screen of the life plan analyzer in “Death Case” is displayed at startup, and the “Survival Case” and “Death Case” screens are laid out and displayed on one display screen. It doesn't matter. However, in this embodiment, “survival case” and “death case” are separate screens, and the display screen of “survival case” is displayed at the time of activation.

  5 and 6, reference numeral 15 a denotes an outer edge of the display surface of the display 15. Reference numeral 81 denotes a system-related display unit in which icons such as a start menu are arranged.

  Reference numeral 51 denotes a display screen of the life plan analyzer, which is displayed as shown in FIGS.

  Next, the display screen 51 includes a condition input unit 52 and an analysis unit 53. Therefore, on the display screen, the condition input unit 52 and the analysis unit 53 are simultaneously displayed on the screen. The analysis unit 53 includes an income period analysis unit 55 shown on the left side of the boundary line 54 (in this embodiment, the income period is set to be 65 years old. In the “death case”) Expenditure period analysis unit (in this example, the period after 65 years is targeted as the setting of the disbursement period. In the present case, the spouse in the “death case”) Are shown in separate forms.

  In the present embodiment, as described above, the analysis unit is divided into the income period analysis unit 55 and the expenditure period analysis unit 56 and displayed. This is an analysis of the entire life to be analyzed as “income period”. It means to divide into “expenditure period”. A person's life is spent while spending various expenses, but up to a certain age (for example, 65 years old) can be defined as an income period because they earn their income and spend their living expenses etc. After that, there will be no income, but expenses such as living expenses are necessary, so it can be defined as the expenditure period.

  In other words, since the economic structure of the subject undergoes drastic changes during the income period and the expenditure period, it is necessary to strongly recognize that many users who are considered to be in the income period now. Therefore, by adopting the configuration of the present embodiment, the user can compare the income period and the expenditure period, and the user can strongly recognize the difference in the economic structure between the income period and the expenditure period. It is possible to raise awareness of preparedness. However, an embodiment in which the above division is not performed can be assumed.

  As a result of the above, in this embodiment, in the screen of the rectangular area that is the display screen 51, about one third of the left part is the condition input unit 52, and about one third of the central part is The income period analysis unit 55 in the analysis unit 53 becomes the spending period analysis unit 56 in about one third of the area on the right side. In this embodiment, the display screen 51 is displayed in such a layout. Therefore, the condition input part 52, the income period analysis part 55, and the expenditure period analysis part 56 are also displayed simultaneously.

  57 is an automatic determination button, 58a is an income period analysis part determination signal, and 58b is an expenditure period analysis part determination signal. 59a is a “death case” transition button that exists only on the “survival case” display screen, and 59b is a “survival case” transition button that exists only on the “death case” display screen. The “survival case” display screen and the “death case” display screen are respectively a “death case” transition button 59a (when the “survival case” screen is displayed) or a “survival case” transition button 59b (“death case”). Clicking on the screen 17 with the mouse 17 allows the user to make a transition to the display screen of each other.

  In the figure, N is a print button for printing the screen, O is a save button for saving the screen, calculation results, and the like on the hard disk 20, and P is a button for starting the life plan analyzer. This is a bounce button that is one of means for returning to the state before the operation and terminating the life plan analyzer. The print button N, the save button O, and the bounce button P are collectively referred to as function buttons.

  In the “survival case” and “death case”, the situation that can occur in the future is different, so the calculation formulas for analysis are partly different, but the operation is almost the same, so the outline of the operation is The explanation of the life plan analyzer is continued on the assumption that it is common. Different points will be described each time.

  The condition input unit 52 in the display screen 51 includes medium items related to the condition input of various personal information data for inputting the current personal information data of the target person and analyzing the life plan. Each medium item includes small items related to condition input for inputting various current personal information data of the subject and analyzing the life plan. The middle items and the small items related thereto are arranged on the screen in an orderly manner. The middle items related to condition input are items such as “Family information”, “Education plan (common to all members)”, “Revenue”, “Monthly living expenses at the time of survival”, “Housing plan”, “Deposit and savings plan”. line up. In addition, the middle item “Life Insurance Measures” may be displayed as a middle item related to condition input, but items related to insurance such as the “Life Insurance Measures” middle item and smaller items below are initially hidden. A configuration may be adopted in which the information is displayed for the first time after use (after clicking) of an automatic determination button, which will be described later, or after a transition to the “death case” display screen.

  First, sub-items such as “master”, “spouse”, “child 1”,... Are arranged under the middle item “family information”. Next to these small items, character input type input positions J corresponding to the respective small items are arranged, and characters can be input by a method described later. This “family information” exists for inputting the family structure and age, and by inputting the age in the character input type input window J of a small item of a person existing as a family, the family is input to the life plan analyzer. You can enter the presence as a component and the age of the person.

  Next, sub-items such as “kindergarten”, “elementary school”, “junior high school”, etc. are arranged under the middle item “education plan”. This item group in this embodiment is set for a child's education plan. In this embodiment, for simplicity, all children select the same type of school, etc., and select and set from kindergarten to final education. At the same time, select and set different accommodations / homes in college. In these small items, an alternative type selection input button K is used, and the user is allowed to select using the mouse 17 by a method described later. The selection result is displayed at each selection result display position L.

  Under the middle item “income”, there are sub-items “main income”, “retirement allowance”, and “sub-income”. Again, the user inputs a forehead character at the character input type input position J corresponding to each small item. On the other hand, there is also a small item for selecting whether the pension is a welfare pension or a national pension. Here, there is an alternative type selection input button K, which allows the user to select using the mouse 17 as described above. And On the other hand, in the middle item of this income, there are people who are hesitant to directly input the income, or there are people who do not grasp their own income. In preparation for such a case, reference value display positions M are prepared next to the character input type input positions J of the sub-items “main income” and “retirement allowance”, respectively. The CPU 11 reads the age of the “master”) and the type of pension entered above, whether it is a welfare pension or a national pension. The CPU 11 reads the sub-item “main income” from the conversion table in the application program in the program area 13a of the RAM 13. ”And“ Retirement allowance ”are read out and displayed at the reference value display position M for the small item. Therefore, since this can be referred to, the user can easily input the amounts of the “main income” and “retirement allowance”, which are small items, to the character input type input position J.

  Under the middle item “Monthly living expenses at the time of survival”, sub-items “Living expenses” are arranged. Again, the user inputs the amount at the character input type input position J, but this is also difficult to understand, so a simple calculation is performed from the age and annual income of the target person ("master") entered above, The reference value of the amount of “living expenses” is calculated and displayed at the reference value display position M for the small item. Therefore, since this can be referred to, the user can easily input the amount of the “cost of living”, which is a small item, to the character input type input position J.

  In addition, under the middle item “Housing Plan”, there are sub-items such as “Annual Rent”, “Purchase Head” (down payment), “Loan”, and “Do you want to buy a house at one hour?”. For the small item “Do you want to buy a house at one time?”, Use the alternative type selection input button K to select “Yes” or “No”, and select the selection result display position L of the small item. It takes the form displayed on The other sub-items under the middle item “house plan” are input as characters by means of the character input type input position J.

  Under the middle item “Deposit and Savings Plan”, there are sub-items such as “Current Deposit and Savings Amount”, “Annual Deposit and Savings Amount”, and “Deposit and Savings Interest Rates”. These can easily input the respective amounts at the character input type input position J for the small item. However, for the small item of “current deposit and saving amount”, a reference amount is calculated from the age and annual income, and this is displayed at the reference value display position M for the small item.

  And under the middle item “life insurance measures”, there are sub-items such as “income insurance insurance” and “how old are necessary”. These can also easily input the respective amounts at the character input type input position J for the small item. If these values are input, the present pension present value, insurance premiums, etc. are calculated and displayed as reference values at the reference value display position M for the small item.

  The above is the items in the input unit in the present embodiment, but the items are not limited to the above, and other items may be included or large items may be provided. In short, it is only necessary to input items such as personal information necessary for life plan analysis.

  The operation of the life plan analyzer when the user actually inputs and analyzes each of the small items is shown in the flowchart of FIG. That is, FIG. 7 is a flowchart showing the operation of the life plan analyzer when the user actually inputs and analyzes. This will be described below with reference to FIGS.

  FIG. 7A is a flowchart showing an operation when the user uses the mouse 17 to specify an input item. Now, it is assumed that the display screen is displayed on the life plan analyzer and is in an operating state (S324) after the start-up process of FIG. When the user determines a small item to be input, the character input type input position J or the alternative type selection input button K corresponding to the small item on the screen is used with the mouse 17. Move the cursor to and left-click.

  When the user performs a left click using the mouse 17, in the life plan analyzer, the mouse IF 16 shown in FIG. 1 generates a mouse click interrupt to the CPU 11 and asserts a mouse click flag. The mouse IF 16 stores the click position on the screen where the mouse 17 is clicked in a mouse click position register in the mouse IF 16. When the CPU 11 receives the mouse click interrupt, the CPU 11 reads the mouse click flag and analyzes the interrupt factor to know that the mouse 17 has been clicked, and negates the mouse click flag. When the CPU 11 knows the click of the mouse 17 in this way, the CPU 11 reads the mouse click position register in the mouse IF 16 in the flowchart of FIG. The designated position thus detected is detected (S701), and the CPU 11 temporarily stores it in the work area 13c of the RAM 13 (S701). Next, the CPU 11 performs some input such as whether the designated position is a character input type input position J or a button of a function button such as an alternative type selection input button K or a print button N. It is determined whether the input position is to be performed (S702). Since the input position has position information regarding the display screen in the program area 13a of the RAM 13, it is determined whether or not it is the input position by comparing the designated position with the mouse 17 with these (S702). If it is not the input position, the flow ends and returns to the initial operating state (S324).

  If it is determined that the designated position designated by the click is an input position (S702), then the input position which is the designated position by the click is a character input type input position J or an alternative type selection input button. It is determined whether it is K or a function button (S703). Also in this case, since the program area 13a of the RAM 13 has position information related to the display screen, the character input type input position J or the alternative type selection input button can be obtained by comparing these with the designated position by the mouse 17. It is determined whether it is K or a function button (S703).

  If the designated position is the character input type input position J (S703), the designated small item character input type input position J is changed to an input waiting state (S704). Then, in order to indicate that the character input type input position J of the designated small item is in an input waiting state, the position is drawn in the form of an input waiting screen (S705). The drawing operation is performed by writing data in the VRAM 14 as described above, and the drawing data in the input waiting screen format is read from the program area 13a of the RAM 13 and written for the portion related to the character type input position J. Is achieved (S705).

  On the other hand, when it is determined that the designated position is the alternative type selection input button K or the button of the function button (S703), it is further determined whether the specified position is the alternative type selection input button K or the function button. Add (S706). Also for this determination, since the program area 13a of the RAM 13 has position information related to the display screen, it is an alternative type selection input button K or a function button by comparing these with the designated position by the mouse 17. Is determined (S706). If it is determined that the designated position is the alternative type selection input button K (S706), the small item has been input by clicking the alternative type selection input button K with the mouse 17. Therefore, the selected selection condition data is written into the area of the address in which the data of the small item in the parameter area 13e in the RAM 13 is to be stored to obtain data (S707). Then, it is displayed at the selection result display position L corresponding to the small item and the alternative type selection input button K. Similarly, the display method is achieved by writing the drawing data of the selection result to an address corresponding to the display position of the VRAM 14 (S708).

  Finally, if it is determined that the designated position is a function button, an operation for realizing the function is executed (S709). The above is the operation when the user specifies an input item using the mouse 17.

  In this way, when the user designates an input item using the mouse 17 and it is the character input type input position J, the character input type input position J of the designated small item is set as described above. The state is changed to an input waiting state (S704), and the position is drawn in the form of an input waiting screen (S705). In this case, the character input is one character shown in FIG. This is performed according to the flow chart of the input operation.

  Now, when the user inputs a character code of one character from the keyboard 19, in the life plan analyzer, the keyboard IF 18 shown in FIG. Assert the flag. Also, the keyboard IF 18 stores and stores the character code of one character input by the keyboard 19 in a character code storage register in the keyboard IF 18. When the CPU 11 receives the one-character input interrupt, the CPU 11 reads the one-character input flag and analyzes the interrupt factor to know that a character code of one character has been input from the keyboard 19 and input the one-character input. Negate the flag. When the CPU 11 knows the input of the character code of one character from the keyboard 19 in this way, the CPU 11 reads the character code storage register in the keyboard IF 18 in the flowchart of FIG. The character code of one character input by operating the keyboard 19 is read (S711), and the CPU 11 temporarily stores it in the character work area 13d of the RAM 13 (S711).

  Next, the work area 13c of the RAM 13 in the RAM 13 is accessed, and the designated position (S701) detected in FIG. 7A is referred to. This designated position is a position where the character information is to be input. Therefore, the CPU 11 draws one character corresponding to the character code just read out at the designated position by accessing the VRAM 14 (S713). When the drawing is completed, the character input position on the screen is shifted by one character as much as one character is input. Therefore, the new position information is obtained, the work area 13c of the RAM 13 is accessed, and the information on the designated position is updated (S714). ). In this way, it is possible to input one character or the second character and the like by a similar operation.

  In this life plan analyzer, when one or several characters are input in a small item in this way, the character is fixed, and when the input operation of the item is completed, the life plan analysis display is triggered by this. Operation starts. The operation will be described with reference to the flowchart of the analysis operation in the apparatus shown in FIG.

  First, the character input type input position J of the designated small item is waiting for input (S704), and after the user inputs how many characters by the above method (when no character is input) However, when an ENTER character code is input from the keyboard 19, in the life plan analyzer, the keyboard IF 18 shown in FIG. 1 generates a character input confirmation interrupt to the CPU 11. Further, when the mouse 17 is moved in the above state, a part other than the character input type input position J is instructed, and the mouse IF 16 also generates a character input confirmation interrupt to the CPU 11 when the mouse 17 is clicked. To do. On the other hand, the operation of specifying the input item in FIG. 3A has been described. However, the mouse IF 16 can be operated by the CPU 11 even when the alternative type selection input button K is pressed by instructing and clicking the mouse 17. Generates a character input confirmation interrupt. In this case, the character input confirmation flag is asserted to the keyboard IF 18 or the mouse IF 16.

  As described above, when a character input confirmation interrupt is generated, for example, when character input is confirmed, the CPU 11 starts and executes the analysis operation of the life plan analyzer shown below, triggered by this.

  First, when the CPU 11 receives the character input confirmation interrupt, the CPU 11 reads the character input confirmation flag and analyzes the interrupt factor to know that the character input has been confirmed, and negates the input confirmation flag. When the CPU 11 knows that the character input has been confirmed in this way, the CPU 11 reads the character code (S711) of one character or several characters temporarily stored in the character work area 13d of the RAM 13, and these are numerical data. If there is, it is further converted into a numerical value, recognized as a numerical value, and stored in the parameter area 13e of the RAM 13. Since the parameter area 13e has an address area for storing data for each small item, the address in the parameter area 13e that corresponds to the small item that is designated by the user and the character is input now. By writing the character code or numerical data in this area, the life plan analyzer can obtain personal information data for the small item (S721).

  Subsequently, the CPU 11 sequentially reads the personal information data (parameters) for all the small items by sequentially accessing the addresses corresponding to all the small items stored in the parameter area 13e of the RAM 13 (S722). Are sequentially written to the work area 13b in the RAM 13. As a result, personal information data (parameters) for all the small items is collected in the work area 13b.

  Next, the CPU 11 starts a life plan analysis calculation operation (S723). The life plan analysis operation is executed as follows. As shown in FIG. 5 and FIG. 6, in the case of “survival case”, the analysis department now has “graphs of income and expenditure by year”, “transitions of financial asset balance during survival”, “retirement age” "Revenue Trends", "65-year-old financial assets", and "Life Forecast from 65 years old" are included. This includes items such as “transition of financial asset balance over time”, “trends in income after retirement”, “65-year-old financial asset”, and “life expectation from 65 years old”. And by displaying graphs and predicted values, the user can analyze and display the life plan. With the display in the present embodiment, it is possible to analyze and display the expected living situation of the target person mainly in terms of money (income, expenditure, assets, etc.) from the present to the future. The items are not necessarily limited to the items described above, and it is sufficient if the expected living situation can be analyzed.

  For example, regarding the graph of income and expenditure by year, the horizontal axis shows the age from the current age of the target person (already entered as the age of the subordinate “master”) to 65 years of age or number Take every year. Then, from the current income (entered as “main income” and “sub-income” under the middle item “income”), the life plan analyzer has the annual income of the application program in the program area 13a of the RAM 13 Revenue for each year is calculated by using the rate of increase rate and multiplying this by using the arithmetic circuit to sequentially multiply the current revenue and thereafter. These calculation results are written to the work area 13c in the RAM 13 (S723). In addition, in terms of expenditure, the life plan analysis apparatus determines that the life plan analyzer is in the application program in the program area 13a of the RAM 13 from the items of the input item “living expenses” and the middle item “education plan (common to all members)”. The cost of living for each year is calculated by using the rate of increase in the cost of living, or the educational cost data that the life plan analyzer has in the application program in the program area 13a is used. Expenditure for each year is required, such as by seeking educational expenses. Also, according to the type of input pension, the calculation of the annual amount of expenditure for each year is similarly performed using the multiplication rate possessed in the application program. Also, if there is a setting for insurance, the insurance premium is treated as expenditure, and the insurance refund is treated as income and added. Also, the amount of expenditure is calculated for the house as set in the same way. All the calculation results are written to the work area 13c in the RAM 13 (S723).

  When all these data are collected, age is plotted on the horizontal axis, the amount is plotted on the vertical axis, the income is displayed in a line graph, and the expenditure is displayed in a bar graph by item. Then, using the above calculation result data, graphic work for graph display is performed to create image data. Then, the CPU 11 reads the image data from the work area 13c in the RAM 13 and writes it in the portion corresponding to the drawing position of the “yearly income and expenditure graph” in the VRAM 14 to thereby store the image data in that portion of the analysis unit. Drawing is performed (S724). Note that the drawing is performed by overwriting the previous part.

  In the following, enumeration of the middle items and small items in the detailed condition input section is omitted, but in the next “Transition of financial asset balance at the time of life”, the horizontal axis is the age, the vertical axis is the amount, Calculate the difference between income and expenditure calculated in step 1, and obtain the calculation result. The cumulative total obtained by adding to the current savings amount is shown as a line graph, and the difference between income and expenditure for a single year is shown as a bar graph. Similarly, the image data is created and written in the portion corresponding to the drawing position of “transition of financial asset balance at the time of survival” in the VRAM 14 so that the analysis unit draws the image data (S724). ). Note that the drawing is performed by overwriting the previous part.

  In addition, in the item of “Changes in income after retirement”, the horizontal axis is divided into “until the spouse is less than 65 years old”, “until the life of the husband after that”, and “until the life of the spouse after the death of the husband”. Shows changes in income. Each of these items is displayed as a bar graph, in which the spouse's old-age pension, the husband's old-age pension, and the annual allocation of financial assets are divided and stacked vertically. The display method is the same as above, using the data from the work area 13c in the RAM 13, and calculating the amount of each of the spouse's old age pension and the husband's old age pension. Calculate the amount divided by the number of years from age to life. Then, using these data, image data is created and written in the portion corresponding to the drawing position of “income transition after retirement” in the VRAM 14, so that the analysis portion draws to that portion (S 724). . Note that the drawing is performed by overwriting the previous part.

  In the item “65-year-old financial asset”, the calculated saving amount at the age of 65 is converted into a bar graph, image data is created, and the portion corresponding to the drawing position of “65-year-old financial asset” in the VRAM 14 In step S724, the analysis unit draws the corresponding part. Note that the drawing is performed by overwriting the previous part.

  In the “life forecast from age 65”, the average cost of living of the husband and wife after retirement is calculated based on the current standard of living, and the above calculated “65-year-old financial asset” is read out and is calculated from 65 to 65 years old. Calculate the amount divided by the number of years from age to life. These are drawn and displayed on the screen as characters (numbers) (S724). Image data is created and written in a portion corresponding to the drawing position of “life prediction from 65 years old” in the VRAM 14 as described above. Note that the drawing is performed by overwriting the previous part.

  The above is the analysis operation in the life plan analyzer in the “survival case”. In the case of “death”, taking into account the case of “incident”, the income changes to the survivor's pension, the insurance amount comes into the income at the time of the subject's death, or the life after retirement is displayed only for the spouse. The item used for calculation changes because it changes to, but the calculation method is almost the same.

  In any of the “survival case” and “death case”, in the above-described embodiment, the calculation can be performed centering on the four arithmetic operations that can be normally easily calculated by the CPU 11.

  In addition, the setting method of each item of these analysis units and the calculation method of each item are not necessarily limited to the above methods, but in particular, items related to life plan analysis related to monetary aspects, etc. Any other calculation method may be used, including the currently disclosed calculation methods.

  The above is the analysis operation and result display in the life plan analysis display apparatus.

  Furthermore, the life plan analysis display device is equipped with an automatic determination button on both the “survival case” and “death case” display screens.

  5 and 6, reference numeral 57 denotes an automatic determination button. When the user designates and clicks the automatic determination button 57 with the mouse 17, the automatic determination button is pressed. By means, the CPU 11 detects that the automatic determination button has been pressed. Then, using this as an opportunity, the CPU 11 compares the calculation result of the income amount before 65 years old and the calculation result of the expenditure amount remaining in the work area 13c in the RAM 13, or the life plan analysis of the financial asset amount of 65 years old. The life plan before the age of 65 is appropriate and the life plan after the age of 65 is appropriate, for example, by comparing with the standard value in the application area of the RAM 13 or by other methods. The CPU 11 determines whether there is any. As a result of the determination, if there is surplus and the life plan is excellent, a blue (green) lamp is drawn on the income period analysis unit determination signal 58a or the expenditure period analysis unit determination signal 58b. indicate. The drawing method can be similarly achieved by writing the color data in the corresponding portion of the VRAM 14. On the other hand, as a result of the judgment, when there is almost no surplus and the life plan is in a marginal situation, etc., the yellow lamp is the portion of the income period analysis part determination signal 58a or the expense period analysis part determination signal 58b. Draw and display. Further, as a result of the determination, if the expenditure exceeds the income and the financial asset amount is small, etc., the red lamp is used for the income period analysis unit determination signal 58a or the expenditure period analysis unit determination signal. Drawing is displayed on the part 58b. Moreover, you may generate | occur | produce an audio | voice according to these cases. As for the sound, the CPU 11 reads out the sound data that the life plan analyzer has in the program area 13a of the RAM 13 in the step before or after writing the color data in the VRAM 14, and this is read to the DA converter 21 in FIG. This can be realized by causing the speaker 22 as sound output means to ring. In this case, the sound will be properly used according to the color of the above-mentioned lamp. For example, when a blue (green) lamp is used, a chime sound is used. When using a red lamp, such as an oscillating sound or some kind of music, use a buzzer sound. In this way, automatic determination is performed, and as a result, it is possible to distinguish whether the life plan is appropriate. This makes it easier for the user to use it as a life plan analyzer, and also includes a game sensation, which improves the user's willingness to operate.

  Further, when performing the determination, the automatic determination operation may be performed together with the input every time an item is input and an analysis operation is performed without using the automatic determination button.

  As described above, according to the embodiment of the present invention, it is possible to provide a life plan analyzer that makes it easy to compare the personal information of the subject and the analysis result when viewing the analysis result.

  In addition, the analysis results are fed back to the current economic activities, etc., improving the convenience of reviewing the target person's life plan, revising the current economic activities, etc. A life plan analyzer that makes it easy to understand whether it should be supplemented with financial products, etc., and makes it easier to see which items of the personal information of the target person have a great influence on the analysis results It becomes possible to provide.

  In other words, the user can use the device over and over again to see the changes, so it is very easy to analyze the life plan, and what effects can be obtained by using insurance financial products It becomes easy to recognize and is very useful.

In addition, according to the present embodiment, it becomes possible to analyze the life plan for each case of “survival case” and “death case”, which makes it easy for the user to understand whether the life plan is appropriate, The user can decide the trigger for automatic determination.
In addition, it is possible to provide a program for executing the life plan analyzer.

It is a block diagram which shows the hardware constitutions of the life plan analyzer in the Example of this invention. It is an external view which shows the external appearance of the life plan analyzer in the Example of this invention. It is a flowchart of the operation | movement relevant to the use start and completion | finish of the said life plan analyzer. It is a figure which shows the mode of each area | region ensured in RAM13 for execution of the said life plan analyzer. It is a figure which shows an example of the display screen of the said life plan analyzer activated by starting operation, and is a figure which shows an example of the display screen of the said life plan analyzer in "survival case". It is a figure which shows an example of the display screen of the said life plan analyzer activated by starting operation, and is a figure which shows an example of the display screen of the said life plan analyzer in "death case". It is a flowchart which shows operation | movement of the said life plan analyzer when a user actually inputs and analyzes.

Explanation of symbols

A casing MSW power button B main CPU bus N print button O save button P bounce button 11 CPU as control means
12 ROM as non-volatile storage means
13 RAM as temporary storage means
13a Program area 13b Save area 13c Work area 13d Character work area 13e Parameter area 13f Other remaining area in RAM 13 VRAM (VIDEO-RAM)
15 Display 15a as display means 16 Outer edge 16 of display surface of display 15 Mouse IF
17 Mouse 18 as the first input means Keyboard IF
19 Keyboard 20 as second input means 20 Hard disk 21 as mass storage means DA converter 22 Speaker 23 as voice output means Microphone 24 as voice input means AD converter 25 Communication IF- as first communication means A
26 Communication IF-B as second communication means
27 Printer 51 Display Screen 52 of the Life Plan Analysis Device Condition Input Unit 53 Analysis Unit 54 Boundary Line between Revenue Period Analysis Unit and Expenditure Period Analysis Unit 55 Revenue Period Analysis Unit 56 Expenditure Period Analysis Unit 57 Automatic Determination Button 58a Revenue Period Analysis Unit Determination signal 58b Expenditure period analysis section determination signal 59a "Death case" transition button 59b "Survival case" transition button 81 System-related display section in which icons such as a start menu are arranged

Claims (7)

In the life plan analyzer that analyzes the life plan by inputting various personal information data,
The display screen of the life plan analyzer includes a condition input unit and an analysis unit,
A life plan analysis display device characterized in that the condition input unit and the analysis unit are simultaneously displayed on the screen. The life plan analyzer according to claim 1, wherein the life plan is analyzed by inputting various personal information data.
The life plan analysis operation is executed upon completion of the input operation of one item of the condition input unit, and the life plan analysis and result display are performed by drawing the analysis result on the analysis unit in the display screen. Life plan analysis device. The life plan analyzer according to claim 1, wherein the life plan is analyzed by inputting various personal information data.
The life plan analyzer has a “survival case” analysis screen and a “death case” analysis screen, and performs respective analysis display operations. The life plan analyzer according to claim 1, wherein the life plan is analyzed by inputting various personal information data.
The life plan characterized in that the life plan analysis device makes an automatic determination by adding a determination as to whether the life plan is appropriate for the result, and distinguishes the determination by color display or sound generation. Analysis equipment. 5. The life plan analyzer according to claim 4, wherein the life plan is analyzed by inputting various personal information data, wherein the automatic determination is performed when the automatic determination button is pressed. In a life plan analysis device that analyzes life plans by inputting various personal information data, the analysis unit on the display screen of the life plan analysis device is divided into an income period analysis unit and an expenditure period analysis unit, and the income A life plan analysis display apparatus characterized in that the period analysis unit and the expenditure period analysis unit are simultaneously displayed on the screen. A program for executing a life plan analysis apparatus according to claims 1 to 6 which inputs various personal information data, analyzes a life plan, and displays it on a display screen.

Images