JP2016045604A - Assets succession support system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an assets succession support system that holds information of the inheritance method concerning the assets including digital information and financial assets, and the inheritance method is carried out when the inheritance initiation cause is generated, and thereby a financial institution entrusted of the financial assets can secure the chance of inhibiting assets outflow.SOLUTION: An assets succession support system 1 supports the succession of assets by inheritance. The system has: an assets information DB15 holding assets information related to one or more assets of a succession target containing financial assets owned by a user in one or more financial institutions and/or digital information owned by the user; a succession information DB16 holding succession information containing the information related to the way of succeeding respective assets or asking disposal thereof; and an execution processing part 13 for performing the execution processing related to the succession or the disposal according to the corresponding succession information held in the succession information DB16 about respective assets held in the assets information DB15, when detected that the user dies.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a technology for supporting asset succession in inheritance, and more particularly to a technology effective when applied to an asset succession support system that handles digital information and contents in addition to assets such as financial assets.

  As an aging society progresses, financial institutions have expanded services for inheritance. For example, a trust bank or a partner financial institution provides a will-trust service, a venture company provides services for asset succession, or a financial institution provides information for asset succession or inheritance tax savings, etc. Services to inherit and inherit financial assets are provided.

  As a technology related to this, for example, in Japanese Patent Application Laid-Open No. 2002-279051 (Patent Document 1), an appropriate notification such as confirmation of management continuation intention is periodically sent to a client who has input information about his / her personal assets. If there is a succession status such as inheritance by receiving an answer to this, the administrator will confirm the occurrence of the succession status. A personal asset information management system is disclosed.

  Further, JP-A-2006-228180 (Patent Document 2) states that each financial institution terminal side that enables downloading of data on the server by registering a death report with the server via the Internet or the like. When it is automatically checked against each customer's database and found to be “applicable”, an order to suspend payment of deposits and securities, etc. is issued, and then the financial institution performs an inheritance procedure for the legal heir of the applicable person It describes the inheritance procedure system to be applied.

  In Japanese Patent Laid-Open No. 2008-234341 (Patent Document 3), the content of property processing after death by a user is confirmed by a will, and a digital asset processing method is set in accordance with the content according to the content. When the user dies and the cause of the start of inheritance occurs, this event occurrence is input to the digital data asset management DB, and the digital asset processing method registered for the user is changed accordingly. The digital asset management device to be executed is described.

JP 2002-279051 A JP 2006-228180 A JP 2008-234341 A

  Inheritance and asset succession services provided by financial institutions are mainly targeted at some wealthy people whose inheritance tax is a problem, and the number of customers is not so large. Can also be provided. On the other hand, although there are no assets up to that point, there is a large number of customers who have a certain level of financial sense and possess a certain level of assets. It can not be handled by the kind of personal service that is provided to the layer.

  Therefore, it is conceivable to realize and provide services related to inheritance by an information processing system. For example, by using techniques such as those described in Patent Documents 1 and 2, it is possible to detect an event in which a customer has died and an inheritance has occurred, and to disclose asset information to heirs, etc. It becomes possible to carry out.

  However, it may still be inconvenient for financial institutions where customers have deposited assets before they live. For example, with the death of a customer, the heir receives the disclosure of asset information and, as an inheritance procedure, cancels / sells the assets held by the customer in the financial institution or withdraws all from the financial institution. There are frequent occurrences of assets being leaked from financial institutions when customers die, such as when depositing money with other financial institutions that they use. As financial institutions, there is a need to prevent such asset outflows and to maintain relationships with heirs, etc., but the technology described in the above-mentioned patent document does not have this point at all. Not considered.

  In recent years, assets that are inherited have also diversified, and there is a need for users to inherit and dispose not only financial assets but also digital information and digital content. On the other hand, for example, by using a technique as described in Patent Document 3, it is possible to process digital information as a process related to inheritance. However, this technology only deals with the succession of digital information, and there is no description about managing asset succession including financial assets.

  Accordingly, an object of the present invention is to maintain information on the succession method based on the intention of the principal for assets including digital information and financial assets, and implement the succession method when the cause of the start of inheritance occurs. Regarding the succession, the financial institution that keeps the financial assets is to provide an asset succession support system that can prevent the outflow of assets and secure an opportunity to continue the relationship with the heirs.

  The above and other objects and novel features of the present invention will be apparent from the description of this specification and the accompanying drawings.

  Of the inventions disclosed in this application, the outline of typical ones will be briefly described as follows.

  An asset succession support system according to a representative embodiment of the present invention is an asset succession support system that supports inheritance of assets by inheritance accompanying the death of a user, and the user possesses in one or more financial institutions. An asset information holding unit that holds asset information related to one or more of the assets to be succeeded, including financial information and / or digital information held by the user, and who and how to transfer each asset Alternatively, the succession information holding unit that holds succession information including information on whether to request disposal, and each asset held in the asset information holding unit when it is detected that the user has died, And an execution processing unit that performs execution processing related to succession or disposal in accordance with the corresponding succession information held in the succession information holding unit.

  Among the inventions disclosed in the present application, effects obtained by typical ones will be briefly described as follows.

  That is, according to the representative embodiment of the present invention, information on the succession method based on the intention of the principal is held for assets including digital information and financial assets. As a result, the financial institution that deposits the financial asset can prevent the outflow of assets and secure an opportunity to continue the relationship with the heirs.

It is the figure which showed the outline | summary about the structural example of the asset succession assistance system which is one embodiment of this invention. It is the figure which showed the outline | summary about the example of the flow of a process in which the user in one embodiment of this invention carries out initial registration of asset information and succession information. It is the figure which showed the outline | summary about the example of the flow of a process in the phase which maintains the registration content in one embodiment of this invention. It is the figure which showed the outline | summary about the example of the flow of a process in the execution phase at the time of the user's death in one embodiment of this invention. It is the figure which showed the outline | summary about the example of the asset succession information in one embodiment of this invention. It is the figure which showed the outline | summary about the example of the data structure of user DB in one embodiment of this invention. It is the figure which showed the outline | summary about the example of the data structure of asset information DB in one embodiment of this invention. It is the figure which showed the outline | summary about the example of the data structure of the inheritance information DB in one embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. Note that components having the same function are denoted by the same reference symbols throughout the drawings for describing the embodiment, and the repetitive description thereof will be omitted.

  As mentioned above, in an aging society that is accelerating, every financial institution is expanding services related to inheritance, such as will trust, for high-quality clients such as wealthy people. A succession service is provided. On the other hand, the number of customers who are not rich but have a certain level of financial assets and have potential needs for future asset succession is increasing. Providing such services is a major issue.

  Since customers belonging to these layers have assets of a certain level or more, when they die, they often have a desire to “I want my assets to do this”. Here, since a service related to a will (for example, a testamentary proof will) has a large burden on costs, there is a high hurdle to use in these customer segments, and there is a need for a service by a simpler method. On the other hand, for example, when using an asset succession service such as a conventional technology using an information processing system, there is a concern about keeping all information about own assets and money in a specific financial institution (Therefore, it is distributed to multiple financial institutions). In addition, even if you decide to deposit with a third party other than a financial institution, you will be worried if the management base, technical base, etc. of the third party cannot be trusted due to the nature of the information. .

  On the other hand, as a financial institution that provides services, it serves a wealthy class where inheritance tax is a problem, but there are too many customers in the lower class to handle it. Therefore, it is not possible to provide sufficient services related to inheritance. However, it is impossible to prevent a situation in which assets stored in the financial institution leak out when the customer dies. For example, if a customer (parent) resides in a rural area and possesses assets in a regional bank, an heir (child) residing in an urban area withdraws all of his / her deposits, etc. from the regional bank to the mega bank. There is a situation in which deposits are made. In addition, when a securities company holds securities, there are situations in which the heir sells or cancels all of the securities held by the heir.

  In recent years, the assets to be inherited have been diversified. For example, it is possible to deposit in financial institutions without having a bankbook, and digital information is also subject to processing at the time of inheritance or death. There is a need to do so, and it is difficult for financial institutions and heirs to grasp the actual status of assets held by customers and the targets of disposal. There is also customer concern about how digital information is handled after his death.

  Therefore, the asset succession support system, which is an embodiment of the present invention, registers information on “who”, “what” and “want to want” for the assets that are to be inherited and disposed of to the next generation. A system that manages this as much as possible and provides a mechanism to support actual inheritance and disposal of assets based on the information (hereinafter, these may be collectively referred to as “succession”) It is.

  The system is operated by, for example, a reliable third party, not a financial institution, to ensure the safety, reliability, and permanence of services, and multiple financial institutions and users By configuring the service to be used jointly, for example, it is possible to easily use even a user who holds assets in a plurality of financial institutions in a distributed manner. In addition, by assigning a certain priority status to the financial institutions that actually hold the financial assets to be succeeded, the financial institutions will suppress the outflow of assets and have relationships with heirs, etc. To get the opportunity to continue.

  In this embodiment, the information corresponding to “to whom” is, for example, an e-mail address of a close relative such as a family including a person who is an estimated heir, a related person such as a friend or creditor, etc. It is contact information such as. It may be identification information of a person who has a “connection” in an SNS (Social Networking Service) service such as Facebook (registered trademark).

  The information corresponding to “What” above includes, for example, financial information held by banks, securities companies, insurance companies, and other assets such as real estate, cash, and precious metals, as well as digital information and content, such as photographs and videos. , Data such as blogs, various data including these, and information on file storage locations. Further, it may include account information such as ID / password in the website of the financial institution holding the asset and other various network services.

  The information corresponding to the “why you want” above includes specified contents regarding the method of succession, disposal, and handling. For example, in addition to aggressive method instructions such as “I want you to share with A and B” and “I want you to dispose of” the target asset, Instructions, and account organization instructions such as “I want to delete the D service account” are included. The message is not limited to a specific instruction for inheriting the asset, but may be a message from the user or a general instruction. For example, in addition to “I have an account here”, “I want this photo to be used as a relic,” “I want my bones to be scattered in the sea,” etc., even a message of gratitude to those who took care of me Good.

<System configuration>
FIG. 1 is a diagram showing an outline of a configuration example of an asset succession support system according to an embodiment of the present invention. The asset succession support system 1 is implemented by a server device or a virtual server built on a cloud computing environment, and supports a plurality of financial institutions and users via the network 2 such as the Internet. It is an information processing system that provides services. Each user and the person in charge of each financial institution access the asset succession support system 1 using an information processing terminal (user terminal 3 and financial institution terminal 4) such as a personal computer (PC) or a tablet terminal used by the user. And use services related to asset succession.

  The asset succession support system 1 includes, for example, an asset succession information management unit 11 and an event detection unit 12 that are implemented as software that runs on middleware such as an OS (Operating System), a DBMS (DataBase Management System), and a Web server program (not shown). , And the execution processing unit 13. Each data store includes a user database (DB) 14, an asset information DB 15, and succession information 16 implemented by a database or the like.

  The asset succession information management unit 11 browses, registers, and manages the asset information related to the assets held by the user and the succession information related to the succession and processing methods for each of them based on instructions from the user terminal 3. It has a user interface function for performing management processing such as change and deletion. The person in charge of the financial institution can browse the predetermined information among the asset information and the succession information through the financial institution terminal 4 as will be described later. When the user and the person in charge of the financial institution access the asset succession information management unit 11, an authentication process referring to the user DB 14 may be performed. The above asset information is held in the asset information DB 15 and the succession information is held in the succession information DB 16.

  The event detection unit 12 has a function of detecting a user death, that is, an inheritance start event. The event can be detected by various methods. For example, death information can be periodically acquired from another system via the network 2 and matched with the user DB 14 for detection. Further, information confirmed by the person in charge of the financial institution on the job individually outside the system may be detected by receiving the input via the financial institution terminal 4. When a user's heir or the like is already registered as a user, it may be detected by receiving death information input from the user via the user terminal 3.

  The execution processing unit 13 has a function of performing an asset transfer execution process based on the contents registered in the transfer information DB 16 for a user whose inheritance start event is detected. Execution processing, for example, automatically sends an e-mail to specify the details of succession / disposal of assets to requesters (inherits, creditors, friends, etc.) registered in the succession information Send. For those who are unable to send e-mails, it is possible to use a means such as mailing on a printed output. For digital information assets, if the processing contents can be operated by remote commands, etc. (deletion, transfer, change of account registration contents, etc.), the commands are automatically issued and processed. You may make it perform.

  As will be described later, the occurrence of the cause of the inheritance is also notified to the financial institution serving as the representative / contact for the user (that is, the financial institution that introduced the asset succession support service to the user). . As a result, for example, even if the heir subsequently visits to withdraw assets from the financial institution, he / she negotiates / consults with the heir after knowing in advance the details specified for the succession process by the user. It becomes possible to get the opportunity to do.

<Processing content>
FIG. 2 is a diagram showing an outline of an example of a flow of processing in which a user initially registers asset information and succession information. In the following example, it is assumed that the user is a “bank A customer” who has assets to be transferred to “bank A” (other financial institutions may also have assets to be transferred). In advance, the “A bank employee” who is in charge of “A bank” accesses the asset succession support system 1 using the financial institution terminal 4 and registers the user with the user DB 14 as a user. It shall be (S01, S02).

  The “A bank employee” introduces the service by the asset succession support system 1 to “customer A bank customer” who has assets in “A bank” by any means (S03). The “bank A customer” who has decided to use the service accesses the asset succession support system 1 using the user terminal 3 and registers the user for the user DB 14 (S04, S05).

  Thereafter, the “bank A customer” requests registration of asset information (“what”) to be inherited using the user terminal 3 (S06), and the asset succession information management unit 11 of the asset succession support system 1 The request content is registered in the asset information DB 15 (S07). Here, it is possible to register various assets and digital information including financial assets held in “Bank A”. Thereafter, registration of each succession information (“who” and “why do you want”) is requested for the registered asset and digital information (S08), and the asset succession information management unit 11 of the asset succession support system 1 Register in the succession information DB 16 (S09). You may register as a message which is not related to a specific asset.

  FIG. 3 is a diagram showing an outline of an example of the flow of processing in the phase of maintaining registration contents after initial registration of asset succession information. After the registration of the asset succession information by “Bank A customer”, until the “Bank A customer” dies and the inheritance starts, the contents of registration by “Bank A customer” (services provided by the asset succession support system 1 and “ The relationship with “Bank A customer” is maintained. On the other hand, it is also necessary to be able to review the registration contents by “Bank A customer” while maintaining the relationship.

  The asset succession information management unit 11 of the asset succession support system 1 periodically notifies each user (“A bank customer” in the example of FIG. 3) to confirm the registration contents, for example, once a year. (S11). The notification can be performed by e-mail or the like, for example. The “Bank A customer” who has received the notification accesses the asset succession support system 1 using the user terminal 3 and browses / refers to the contents of the asset succession information (the asset information DB 15 and the succession information DB 16) (S12˜). S14). “Bank A customer” who has viewed the registered content can perform update processing such as adding / changing / deleting the registered content as required (S15, S16).

  On the other hand, the asset succession support system 1 prints out all or part of the registration contents periodically, for example, once a year, regardless of whether or not the registration contents are updated as described above. The service provider or the like may send it as a sealed letter to each user (“Bank A customer” in the example of FIG. 3) (S21). The “bank A customer” who has received the document in which the asset succession information is written confirms whether there is any difference in the contents, signs and seals it, and returns it as a sealed letter to the service provider (S22). The service provider stores the returned sealed letter until the next sealed letter is returned (S23).

  The sealed letter that was kept was printed out and the description of the registered contents was not written by hand. Therefore, although the legal effect as a testimony and a testimony was not obtained, "Bank A customer" died. It can be used as a guideline when discussing legacy divisions. If a dispute is likely to occur, for example, "A bank customer" will have a sealed letter as a will by certifying a sealed letter by a notary, and will receive probation from the family court when he died. It is also possible to have a legal effect. That is, the system can be used as a will service that can be used with a simple operation.

  As described above, the financial institution (“A bank” in the example of FIG. 3) does not need to be involved in the processing related to the maintenance of the registered content, and is maintenance-free for the financial institution. On the other hand, the person in charge of the financial institution (“A bank employee” in the example of FIG. 3) uses the financial institution terminal 4 to access the asset succession support system 1, and within the scope of reference authority, Specific registered contents can be browsed / referenced (S31 to S33). In addition, the financial institution can refer to the registration contents and other attribute information for all or some of the users, which are aggregated and processed as statistical information, and can use it for business activities.

  In the example of FIG. 3, the user (“A bank customer”) browses the registered content using the periodic notification in step S11 as a trigger, but the user (“A bank customer”) Regardless of the presence or absence of notification, it is possible to browse the registered content at any timing and perform processing such as updating.

  FIG. 4 is a diagram showing an outline of an example of the flow of processing in the execution phase when the user dies. Although the event that a user died can be detected by various means, in general, a person in charge of a financial institution obtains information on a dead person from various sources for business purposes and sends it to their customers. Often knows if there is a corresponding person. Therefore, in the example of FIG. 4, it is conceivable that “A bank employee” confirms the death of the user (S41). In this case, the “bank A” uses the financial institution terminal 4 to access the event detection unit 12 of the asset succession support system 1 and registers that the user has been confirmed dead (S42, S43). In addition to such manual registration, for example, the event detection unit 12 acquires information on a dead person from a system such as a local government via the network 2, and the user information registered in the user DB 14 The presence or absence of death may be automatically detected by collation.

  The asset succession support system 1 that has detected the user's death event executes the asset succession information related to the user by the execution processing unit 13 (S44). Basically, based on the registered contents of the asset information DB 15 and the succession information DB 16, an e-mail is sent automatically instructing the contents of processing to the person who requests the execution of the process related to succession / disposal for each asset. It notifies by doing. Simple message notification is also included.

  The person who receives the notification performs processing and procedures based on the instructions individually, so that the asset succession based on the intention of the user is smoothly performed. For digital information that can be operated / executed by commands or programs, the processing related to succession / disposal is realized automatically by executing the contents. The notification by e-mail is “A bank employee” (or “A bank”) when the death of the user is detected without registration of the death confirmation from “A bank employee” in steps S42 and S43. ).

  On the other hand, when a user dies, his / her heir may contact / visit for succession / disposition of assets held in a financial institution (“Bank A” in the example of FIG. 4). (S51). At this time, the “bank A” does not immediately respond to this as in the past, but uses the financial institution terminal 4 to access the asset succession support system 1 to take over the assets of the target user. It is confirmed whether or not the information is registered. If it is registered, the asset succession information is acquired from the asset information DB 15 and the succession information DB 16 and responded (S52, S53). This process may be performed in advance when the “A bank employee” (or “A bank”) detects that the user has died.

  The “A bank employee” prints out the asset succession information from the financial institution terminal 4 (S54), and based on this, he / she can consult and negotiate with the heir who has contacted / visited the asset. Yes (S55). For example, it is possible to propose alternative means for preventing asset outflow, such as changing the name to the heir or transferring it to the account of the heir, and examining more efficient means of inheriting assets. The “bank A” does not print out the asset succession information from the financial institution terminal 4, but the execution processing unit 13 of the asset succession support system 1 prints out and mails the service provider to “A bank”. You may do it.

  In the event that “Bank A” prevents asset outflow and continues to hold the asset, a new asset succession support system will be provided to the new owner / holder (eg, heir) of the asset. It is desirable to have user registration for No. 1 and registration of the succession / disposal method for the asset. Thereby, it is possible to transfer the user itself and the relationship between the user and the financial institution to the next generation on the asset transfer support system 1.

<Asset succession information>
FIG. 5 is a diagram showing an outline of an example of asset succession information. Here, a certain user owns financial assets held in “A bank”, “B bank” and “C securities” as assets to be succeeded, other assets such as precious metals and real estate managed by himself, blogs, photos, etc. FIG. 2 conceptually shows a situation in which digital information, service account information such as SNS, and recording media such as video tape are held.

  Here, if the user is a user of the asset succession support system 1 according to the processing flow shown in FIG. 2 by introduction from the person in charge of “Bank A”, the financial assets held in “Bank A” As for the asset succession information, the person in charge of “Bank A” has been instructed by the user as the asset successor or the disposal requester regardless of whether the user has died or not. Regardless of whether or not, it can be browsed / referenced by the processing of steps S31 to S33 in the processing flow shown in FIG.

  As a result, “Bank A” is given a preferential status of being able to respond when heirs appear after knowing the asset succession information in advance, making it more effective and efficient. It becomes possible to cope with. Further, by grasping the asset succession information while the user is alive, it is possible to take measures such as proposing a more effective asset succession plan to the user. Of course, even the person in charge of “Bank A” controls the access so that other asset information cannot be browsed or referenced unless the user consents.

  In the example of FIG. 5, in addition to the financial assets held in “Bank A”, the user has some financial assets and other assets held in “B Bank” and “C Securities”, and part of digital information, etc. It shows the situation in which heirs, etc. (inherits and interested parties) are instructing succession or disposal. In addition, other digital information or the like indicates a situation in which a friend or the like is instructed to take over or dispose of it. In this case, if the user dies, heirs, etc., who are the successors of each asset, will be notified of the succession or disposal instructions by e-mail, and if necessary, as shown in FIG. Notification is made by a document created by the processing in steps S21 to S23 in the processing flow shown in the example. On the other hand, a friend or the like who is the subject of succession or disposal of digital information is notified by e-mail of the content of instructions for succession or disposal.

  In this way, it is possible to flexibly specify the method of succession or disposal according to the type of asset or the holding situation, etc., and appropriately specify the range that can be viewed and referenced, the content to be notified, the timing, etc. according to the content It becomes possible to control.

<Data structure>
FIG. 6 is a diagram showing an outline of an example of the data configuration of the user DB 14 of the asset succession support system 1. The user DB 14 is a table that holds account information of users (users and persons in charge of financial institutions) who can access the asset succession support system 1 and use the service. For example, a user ID, a user name, and a user Each item includes classification, responsible financial institution, and user attribute information.

  The item of user ID holds ID information that can uniquely identify each user. The item of user name holds display information such as the name of the target user. Identification information such as an account number and an employee number that can identify a target user may be held in a responsible financial institution described later. The user category item stores information such as code values for distinguishing whether the target user is a service user (who has assets to be inherited) or a person in charge of a financial institution. . In other words, both the user of the service and the person in charge of the financial institution can be registered in the user DB 14 as users.

  When the target user is a service user, the item of the responsible financial institution holds information for identifying the financial institution that has introduced the service to the user and has become a window. Further, when the target user is a person in charge of a financial institution, information for specifying the financial institution to which the user belongs is stored. The item of user attribute information holds various attribute information of the target user. For example, when the target user is a user of the service, information such as age, sex, occupation, family structure, and the like may be included. If the target user is a person in charge of a financial institution, no value setting is necessary.

  FIG. 7 is a diagram showing an outline of an example of the data configuration of the asset information DB 15 of the asset succession support system 1. The asset information DB 15 is a table that holds asset information related to assets and information to be inherited and disposed by service users, such as asset ID, asset classification, asset content, owned user, owned location, Each item includes a registration date and an update date.

  The asset ID item holds ID information that can uniquely identify each asset. The asset category item holds information such as a code value indicating the target asset category. This classification includes, for example, code values that can distinguish financial assets, other assets, digital information, and the like. The asset content item holds display information such as the name and content of the target asset. The possessed user item retains information on a user ID that identifies a user who owns the target asset. The user ID has the same contents as those registered in the user DB 14 described above.

  The holding location item holds information on where the target asset is held. For example, when the target asset is a financial asset, information for specifying a financial institution that holds the asset is held. When the target asset is other assets or digital information, information for specifying the location or storage location is held. Each item of registration date / time and update date / time holds the date / time when the record of the target asset information was registered and the date / time when it was last updated.

  FIG. 8 is a diagram showing an outline of an example of the data configuration of the succession information DB 16 of the asset succession support system 1. The succession information DB 16 is a table that holds succession information related to the succession and processing methods for each asset. For example, the succession information ID, asset ID, succession processing request destination category, succession processing request destination, request contact address, execution Each item includes a processing category, succession processing content, registration date / time, update date / time, processing start date / time, and processing end date / time.

  The item of succession information ID holds ID information that can uniquely identify each succession information. The asset ID item holds asset ID information that identifies an asset corresponding to the target succession information. The asset ID has the same content as that registered in the asset information DB 15 described above. The item of the succession processing request destination category holds information such as a code value that can distinguish the destination of the succession or disposal request in the target succession information. This classification includes, for example, code values that can distinguish heirs, interested parties, friends, financial institutions, and the like. Each item of the succession processing request destination and the request contact address holds the display information such as the name and name of the person requesting the succession or disposal, and the contact information such as the e-mail address in the target succession information. .

  The item of the succession process classification holds information such as a code value that can distinguish the contents of the target succession process. This classification includes, for example, a code value or the like that can distinguish whether it is notification by e-mail or whether processing is actually performed by executing a command or the like. The succession process content item holds information indicating the content of the target succession process (how to succeed). For example, when the target succession process is notification by electronic mail, information on the contents of the succession process described in the electronic mail is held. It may be simply a message to be transmitted. When the target inheritance process is execution of a command or program, information such as a path and a parameter for executing the target script or program is held.

  Each item of the registration date and the update date and time holds the date and time when the record of the target succession information was registered and the date and time when it was last updated. Each item of the process start date and time and the process end date and time holds information on the date and time when the succession or disposal process related to the target succession information actually started and the process ended.

  The data configurations (items) of the tables shown in FIGS. 6 to 8 are merely examples, and other table configurations and data configurations are possible as long as similar data can be held and managed. It may be.

  As described above, according to the asset succession support system 1 according to an embodiment of the present invention, “who” and “what” are the assets to be transferred to the next generation owned by customers of financial institutions. The asset succession information “why you want” can be registered and managed, and a mechanism for supporting the actual succession of the asset based on the asset succession information can be realized. The system is operated by, for example, a reliable third party, not a financial institution, to ensure the safety, reliability, and permanence of services, and multiple financial institutions and users By adopting a configuration in which services are shared, for example, even users who have assets distributed to a plurality of financial institutions can easily use them. In addition, by assigning a certain priority status to the financial institutions that actually hold the financial assets to be succeeded, the financial institutions will suppress the outflow of assets and have relationships with heirs, etc. It is possible to get an opportunity to continue.

  As mentioned above, the invention made by the present inventor has been specifically described based on the embodiments. However, the present invention is not limited to the above-described embodiments, and various modifications can be made without departing from the scope of the invention. Needless to say. For example, the above-described embodiment has been described in detail for easy understanding of the present invention, and is not necessarily limited to the one having all the configurations described. In addition, it is possible to add, delete, and replace other configurations for a part of the configuration of the above-described embodiment.

  The present invention can be used in an asset succession support system that handles digital information and contents in addition to assets such as financial assets.

1 ... Asset succession support system, 2 ... Network, 3 ... User terminal, 4 ... Financial institution terminal,
DESCRIPTION OF SYMBOLS 11 ... Asset succession information management part, 12 ... Event detection part, 13 ... Execution processing part, 14 ... User DB, 15 ... Asset information DB, 16 ... Succession information DB

Claims (7)

An asset succession support system that supports the succession of assets by inheritance associated with the death of a user,
An asset information holding unit for holding asset information relating to one or more assets to be succeeded, including financial assets held by the user in one or more financial institutions and / or digital information held by the user; ,
A succession information holding unit for holding succession information including information on who and how to take over or request disposal of each asset;
Execution pertaining to succession or disposal of each asset held in the asset information holding unit according to the corresponding succession information held in the succession information holding unit when it is detected that the user has died An asset succession support system having an execution processing unit for processing. In the asset succession support system according to claim 1,
The said execution process part is an asset succession support system which notifies the requester who becomes the request destination by e-mail of the contents related to succession or disposal included in the succession information as the execution process. In the asset succession support system according to claim 1,
The asset execution support system, wherein the execution processing unit executes a specified process or operation on the digital information as the execution process. In the asset succession support system according to any one of claims 1 to 3,
The asset transfer support system, wherein the digital information includes account information in a network service. In the asset succession support system according to any one of claims 1 to 4,
An asset succession support system that allows a user belonging to the financial institution that is representative of the user to view the asset information and the succession information regarding the user regardless of whether the user has died or not. In the asset succession support system according to claim 5,
The asset processing support system, wherein the execution processing unit notifies the representative financial institution that the user has died. In the asset succession support system according to any one of claims 1 to 6,
An asset succession support system that notifies the user to confirm the registration information of the asset information and the succession information for each predetermined period.

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