JP2018088022A - Individual plan creation system and individual plan creation program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an individual plan creation system or the like capable of providing a plan having high adaptability according to each user's characteristics.SOLUTION: A plan creation unit 230 extracts individual hobby data registered in association with an acquired user ID from an individual hobby data DB 221 and extracts individual financial data registered in association with the acquired user ID from an individual financial data DB 222. The plan creation unit 230 creates a unique individual plan (candidate) reflecting hobby and household situation of each user based on the individual hobby data and the individual financial data of each user and suggests it to each user.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a personal plan creation system and a personal plan creation program.

  In recent years, in order to realize each individual's dream and purpose of life, services that suggest and advise financial product plans tailored to each person have become widespread. When providing such a service, a professional planner first asks the user a question through a questionnaire on a paper medium. Then, the planner proposes a plan such as an optimal financial product suitable for the user (hereinafter simply referred to as “plan”) by obtaining an answer from the user (see, for example, Patent Document 1).

JP-A-8-305747

  However, the conventional proposal method has a problem that it takes a considerable amount of time for a specialized planner to obtain a response by conducting a paper questionnaire for each user. In addition, in order to use the obtained answer results, for example, a specialized planner needs to collect questionnaire responses and input them to a personal computer or the like, which imposes a complicated work load. Furthermore, the plan proposed to each user largely depends on the experience of a planner who handles financial products and the like, and there is also a problem that variations of the proposed plan are scarce.

  The present invention has been made in view of the circumstances described above, and an object of the present invention is to provide a personal plan creation system and the like that can provide a highly compatible plan according to the characteristics of each user. To do.

  A personal plan creation system according to an aspect of the present invention includes a storage unit that stores, for each user, a user ID and characteristic information that represents the characteristics of the user in association with each other, and a target user according to a request for creating a personal plan of the target user. The first filter as a selection criterion for financial products that can be included in the personal plan based on the characteristic information of the target user based on the characteristic information of the target user by searching the storage unit using the user ID as a search key A first filter generation unit that generates a second filter as a selection criterion for a type of personal plan that can be proposed to the target user based on the characteristic information of the target user, and a second filter The first extraction unit that extracts the types of personal plans that can be proposed to the target user, and the first filter, the suitability of the target user A second extraction unit for extracting a financial product to be collected, a plan generation unit for generating a personal plan including a financial product that can be adapted to the target user based on the extracted personal plan type and the financial product, and a generated personal plan. And a control unit that displays on the display device of the communication terminal of the target user.

  According to another aspect of the present invention, there is provided a personal plan creation program for creating a personal plan for a target user in a computer provided with a storage unit that stores a user ID and characteristic information representing the characteristics of the user in association with each other. According to the request, the storage unit is searched using the user ID of the target user as a search key, the acquisition unit that acquires the target user's characteristic information, and the selection criteria for financial products that can be included in the personal plan based on the target user's characteristic information A first filter generation unit that generates the first filter as a second filter generation unit that generates a second filter as a selection criterion for the type of personal plan that can be proposed to the target user based on the characteristic information of the target user A first extraction unit that extracts a type of personal plan that can be proposed to the target user using the second filter, and a first filter A second extraction unit for extracting a financial product likely to be suitable for the target user, and a plan generation unit for generating a personal plan including a financial product that can be adapted to the target user based on the extracted personal plan type and the financial product, Then, the generated personal plan is caused to function as a control unit for displaying on the display device of the communication terminal of the target user.

  According to the present invention, it is possible to provide a highly adaptable plan according to the characteristics of each user.

It is a figure which shows schematic structure of the personal plan preparation system which concerns on this embodiment. It is a block diagram which shows the function structure of a plan creation server. It is the figure which illustrated the prior setting screen. It is the figure which illustrated the plan proposal and selection screen. It is a flowchart which shows a plan creation process. It is the figure which illustrated the registration contents of personal hobby data DB. It is the figure which illustrated the registration contents of personal financial data DB. It is the figure which illustrated the registered content of plan type definition DB. It is the figure which illustrated the contents of registration of financial product data DB. It is the figure which illustrated the registered contents of personal plan DB.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In addition, the same code | symbol is attached | subjected to the same element and the overlapping description is abbreviate | omitted.

A. First Embodiment FIG. 1 is a diagram showing a schematic configuration of a personal plan creation system 1000 according to the present embodiment. The personal plan creation system 1000 acquires and accumulates characteristic information from each communication terminal 100 possessed by each user and each user's communication terminal via the communication network N, and creates a plan that takes into account the characteristics of each user. Server 200.

  The communication terminal 100 is a terminal that can exchange data with the plan creation server 200 via the communication network N, such as a tablet terminal, a notebook PC, a smartphone, a mobile phone, and a personal digital assistant (PDA) possessed by each user. Device.

  The plan creation server 200 is configured by, for example, a computer with high arithmetic processing capability. The plan creation server 200 implements the following various functions by operating the plan creation control program P stored in the memory 201. Note that the number of computers constituting the plan creation server 200 is not necessarily one, and may be composed of a plurality of computers distributed on the communication network N.

FIG. 2 is a block diagram showing a functional configuration of the plan creation server 200.
The plan creation server 200 includes a pre-setting request unit 210, an information collection unit 220, a plan generation unit 230, a plan material collection unit 240, and a plan proposal / operation unit 250.

(Pre-setting request unit 210)
FIG. 3 is a diagram exemplifying a pre-setting screen W1 displayed on the display panel of each user's communication terminal 100 prior to creating a personal plan.
As shown in FIG. 3, the preset screen W1 includes a first service group SG1 (service A and service B in FIG. 3) that reflects each user's hobbies, and a service group SG2 related to each user's money. (In FIG. 3, service C and service D) are displayed. Examples of services belonging to the service group SG1 include services representing personal preferences such as SNS (Social Networking Service), photographs, music, and books. On the other hand, the service belonging to the service group SG2 includes information related to an individual household such as a household account book application and various services related to asset management. Note that data for displaying the preset screen W1 is transmitted from the preset request unit (request unit) 210 of the plan creation server 200 to each communication terminal 100 prior to the creation of the personal plan.

Each user confirms the pre-setting screen W1 displayed on the display screen of his / her communication terminal 100, checks the corresponding service check box, performs a selection operation, and then performs a pre-setting end button (not shown). Press. When such an operation is performed, each user transmits information related to the service selected by each user from each communication terminal 100 to the plan creation server 200. For the sake of convenience, in the following description, service information that reflects personal interests is referred to as “hobby related information”, and services related to personal money are referred to as “finance related information”.

(Information collection unit 220)
The information collection unit (preliminary setting unit) 220 stores hobby related information and financial related information transmitted from each user's communication terminal 100 in the data collection DB 211 for each user. The hobby related information stored in the data collection DB 211 is appropriately edited and stored as personal hobby data in the personal hobby data DB 221 (described later), while the financial related information stored in the data collection DB 211 is The data is appropriately edited and stored as personal financial data in a personal financial data DB 222 (described later).

(Plan generation unit 230)
The plan generation unit 230 generates a unique personal plan (candidate) reflecting each user's hobbies, household budget, and the like based on each user's personal hobby data, personal financial data, and the like, and proposes it to each user. Note that the plan creation function by the plan generation unit 230 makes it possible to present a plurality (or singular) of individual plans according to the characteristics of each user. The details will be described later and the description will be continued.

(Plan material collection unit 240)
The plan material collection unit 240 collects information on financial products and services used for personal plans. Examples of financial products and services include various financial products handled by financial institutions such as insurance companies and securities companies, crowd funding that provides financial resources to entrepreneurs, etc. via the Internet, retail and distribution point service campaigns Information about Information on financial related products / services collected by the plan material collection unit 240 is stored in a financial product data DB 224 (described later).

(Plan Proposal / Operation Department 250)
The plan proposing / operating unit 250 transmits a unique personal plan reflecting the hobbies and households of each user generated by the plan generating unit 230 to the communication terminal 100 of each user.

FIG. 4 is a diagram exemplifying a plan proposal / selection screen W2 displayed on the display panel of the communication terminal 100 of each user.
As shown in FIG. 4, a plurality of personal plans (three types in FIG. 4) that can be selected by each user are displayed on the plan proposal / selection screen W2. More specifically, image images P1 to P3 of each plan are displayed on the left side of the plan proposal / selection screen W2, titles T1 to T3 of each individual plan, and merits B1 to B1 of each individual plan on the right side of the plan proposal / selection screen W2. B3, outlines O1 to O3 of each individual plan are displayed. Each user confirms more detailed information of the selected personal plan by performing a predetermined selection operation (for example, clicking a title) for each individual plan displayed on the plan proposal / selection screen W2. It is also possible to purchase each financial product / service according to each individual plan. When there is a personal plan that is already being executed, the user can check the status of the personal plan that is being executed by using the communication terminal 100.
Next, a specific operation of the plan generation unit 230 characteristic of the present embodiment will be described with reference to the drawings.

<Plan creation process flow>
FIG. 5 is a diagram illustrating a flowchart of the plan creation process executed by the plan generation unit 230.
The plan generation unit 230 first acquires a user ID included in a plan creation request or the like transmitted from the communication terminal 200 of a plan creation target user (hereinafter, abbreviated as “target user” as appropriate) (step S1). . Then, the plan generation unit (acquisition unit) 230 searches the personal hobby data DB (storage unit) 221 and the personal financial data DB (storage unit) 222 using the acquired user ID as a search key. More specifically, the plan generation unit 230 extracts personal hobby data (characteristic information) registered in association with the acquired user ID from the personal hobby data DB 221 (step S2), while from the personal financial data DB 222, Personal financial data (characteristic information) registered in association with the acquired user ID is extracted (step S3).

Here, FIG. 6 is a diagram illustrating the registered contents of the personal hobby data DB 221, and FIG. 7 is a diagram illustrating the registered contents of the personal financial data DB 222.
As shown in FIG. 6, the personal hobby data DB 221 includes a user ID for uniquely identifying each user and personal hobby data (personal hobby data tag ID, Personal hobby data tag values) are registered in association with each other. In FIG. 6, “food” is registered as an example of the personal hobby data tag ID, and “ramen” is registered as the personal hobby data tag value. The personal hobby data registered in the personal hobby data DB 221 can be updated regularly or irregularly according to the setting of each user.

  On the other hand, as shown in FIG. 7, the personal financial data DB 222 includes a user ID for uniquely identifying each user and personal financial data (personal financial data tag ID, personal financial data) indicating the status of households of each user. Data tag values) are registered in association with each other. In FIG. 7, “income (annual income)” is registered as an example of the personal financial data tag ID, and “10000000” is registered as the personal financial data tag value. As described above, in this embodiment, personal information of each user held and managed by a financial company or the like (for example, household information such as annual income, account information of a financial institution, life plan information, etc.) is stored as personal financial data. Assuming, but not limited to this. The personal financial data registered in the personal hobby data DB 221 can be updated regularly or irregularly according to the settings of each user.

  Returning to FIG. 5, the plan generation unit (first filter generation unit) 230 uses the personal hobby data and personal financial data acquired in steps S2 and S3 as input data, for example, artificial intelligence (e.g., deep learning technology as a core) ( By using a processing engine using AI), a database processing engine, a big data analysis engine analysis, etc., a filter used for selecting financial product data (ie, narrowing down financial products) is created (step S4).

  For example, the plan generation unit 230 first analyzes the tendency of the elements that the user is likely to be interested in by applying collaborative filtering and machine learning to the personal hobby data, and thus the content of the personal plan (ie, , Determine financial product themes and ideas). In addition, applying financial theory models and machine learning to personal financial data, and taking into account personal investment and asset management, financial instrument selection criteria (ie, financial product refinement filters) Generate. The model used when generating the financial product narrowing filter may be, for example, a model that acquires an execution result of a personal plan and learns by giving feedback.

  When the plan generation unit (second filter generation unit) 230 generates the financial product narrowing filter as described above, the process proceeds to step S5 and generates a personal plan type narrowing filter. More specifically, for example, a pattern of data registered as personal hobby data (a lot of food-related information, etc.) or a pattern of data registered as personal financial data (established a solid money plan) In addition, a selection criterion for a personal plan type that can be proposed (that is, a personal plan type narrowing filter) is generated using the extraction condition registered as a financial product narrowing filter as input information. The model used when generating the personal plan type narrowing filter may be, for example, a model that acquires the execution result of the personal plan and learns by giving feedback.

  When generating the personal plan type narrowing filter, the plan generating unit (first extracting unit) 230 refers to the plan type definition DB 223 shown in FIG. 8 and selects the personal plan type using the generated personal plan type narrowing filter. (Step S6).

  Here, as shown in FIG. 8, in the plan type definition DB 223, a personal plan pattern to be proposed (a format of a personal plan indicating types related to combinations of components and steps) is registered. Specifically, a plan type tag that defines each pattern of a personal plan together with a plan type ID for identifying each plan type, a personal hobby data tag ID, a personal financial data tag ID, and a financial product data tag ID (described later). IDs and plan type tag values are registered in association with the plan type definition DB 223. In FIG. 8, “step1name (name of execution step 1)” is registered as an example of the plan type tag ID, “cloud funding (CF) account opening” is registered as the plan type tag value, and the like. The plan generation unit 230 selects a personal plan type using the generated personal plan type narrowing filter and defines it as a filtered plan type (see FIG. 5).

  When the plan generation unit (second extraction unit) 230 selects the filtered plan type, the plan generation unit (second extraction unit) 230 uses the financial product narrowing filter generated in step S4 to estimate the suitability for the user from the financial product data DB 224 shown in FIG. Financial product data to be selected is selected (step S7).

  As shown in FIG. 9, financial product candidates to be proposed to each user are registered in the financial product data DB 224. Specifically, the financial product data ID for identifying the financial product and the financial product data (the financial product data tag ID and the financial product data tag value) representing the contents of the financial product are associated with the financial product data DB 224. Registered. In FIG. 9, “productname (product name)” is registered as an example of the financial product data tag ID, and “Tokyo commercial facility A” is registered as the financial product data tag value. The financial product data registered in the financial product data DB 224 can be updated regularly or irregularly according to the setting of each user. When the plan generating unit 230 selects financial product data that is likely to be appropriate for the user from the financial product data DB 224 shown in FIG. 9 using the generated financial product narrowing filter, the plan generating unit 230 selects the filtered financial product data (see FIG. 5)).

  Next, the plan generation unit 230 uses the filtered plan type and filtered financial product data acquired in Steps S6 and S7 to determine the degree of conformity for the user. More specifically, the plan generation unit 230 uses the artificial intelligence (AI) to determine the degree of fitness based on the experience (learning data) accumulated so far.

  Furthermore, the plan generation unit 230 generates a personal plan based on the determination result such as the fitness level (step S8), and scores and evaluates the fitness level of each personal plan. When generating a personal plan, the plan generation unit 230 can utilize, for example, artificial intelligence (AI) using natural language processing technology.

  When the plan generation unit 230 generates a personal plan in which the characteristics of each user (personal hobbies, household conditions, etc.) are considered in this way, the personal plan DB 225 (see FIG. 10) is customized as a plan customized for each user. Register with.

  As shown in FIG. 10, in the personal plan DB 225, information (hereinafter referred to as “plan”) for specifically setting each user's plan and plan contents (themes, etc.) and displaying the plan on the plan proposal / selection screen W2. "Detailed information") is registered. More specifically, the personal plan DB 225 includes a user ID for identifying each user, a personal plan ID for identifying each personal plan, a personal plan score indicating the degree of fitness of the user, and each plan type. A plan type ID for identification, a personal plan tag ID that defines each pattern of the personal plan, and a personal plan tag value are registered in association with each other.

  The plan generation unit (control unit) 230 registers the detailed plan information of the target user in the personal plan DB 225 and then transmits the plan to the communication terminal 100 of the user, so that the personal plan based on the detailed plan information of the communication terminal 100 is transmitted. The image is displayed on the display panel (step S10), and the process ends. The target user confirms the plan proposal / selection screen W2 (see FIG. 4) displayed on the display panel of the communication terminal 100, selects the optimal personal plan that suits his / her preferences and the situation of the household, and so on. It will be possible to purchase financial products and services according to the plan.

B. Others The present invention is not limited to the above-described embodiment, and can be implemented in various other forms without departing from the gist of the present invention. For this reason, the said embodiment is only a mere illustration in all points, and is not interpreted limitedly. For example, the above-described processing steps can be arbitrarily changed in order as long as the processing contents do not contradict each other, or can be executed in parallel.

  Here, in the above-described embodiment, a case has been described in which a personal plan including a financial product / service suitable for the user is proposed according to each user's hobbies and preferences, and the situation of the household budget. Absent. For example, when introducing a person (for example, an engineer in a different industry) that seems to be useful to the user, taking into account the hobby, personality, human network, household situation, etc. in addition to the job type and experience of each user The system according to the present invention may be applied.

DESCRIPTION OF SYMBOLS 1000 ... Personal plan creation system, 100 ... Communication terminal, 200 ... Plan creation server, 201 ... Memory, 210 ... Pre-setting request part, 211 ... Data collection DB, 220 ... Information collection part, 221 ... Personal hobby data DB, 222 ... Personal financial data DB 223 Plan type definition DB 224 Financial product data DB 225 Personal plan DB 230 Plan generation unit 240 Plan material collection unit 250 Plan proposal / operation unit W1 Pre-setting Screen, W2 ... Plan proposal / selection screen, P ... Plan creation control program, N ... Communication network

Claims (5)

For each user, a storage unit that stores a user ID and characteristic information that represents the characteristics of the user in association with each other;
According to the target user's personal plan creation request, an acquisition unit that acquires characteristic information of the target user by searching the storage unit using the user ID of the target user as a search key;
A first filter generation unit that generates a first filter as a selection criterion of financial products that can be included in the personal plan based on the characteristic information of the target user;
A second filter generation unit that generates a second filter as a selection criterion for the type of the personal plan that can be proposed to the target user based on the characteristic information of the target user;
A first extraction unit that extracts a type of the personal plan that can be proposed to the target user using the second filter;
A second extraction unit that extracts financial products likely to be suitable for the target user using the first filter;
A plan generation unit that generates a personal plan including the financial product that can be adapted to the target user based on the extracted type of the personal plan and the financial product;
A control unit for displaying the generated personal plan on a display device of the communication terminal of the target user;
Personal plan creation system with When using the system, a request unit that requests the user to input the characteristic information;
For each user, a pre-setting unit that registers an assigned user ID and the characteristic information in the storage unit in association with each other;
The personal plan creation system according to claim 1, further comprising: The characteristic information includes personal hobby data related to the target user's hobby and personal financial data related to the target user's household,
The storage unit stores a user ID and personal hobby data associated with each other for each user, and a second storage unit stores a user ID and personal financial data associated with each user. With
The acquisition unit acquires the personal hobby data and the personal financial data of the target user by searching each storage unit using the target user's user ID as a search key in accordance with the target user's personal plan creation request. And
The first filter generation unit generates a first filter as a selection criterion of financial products that can be included in the personal plan based on the personal hobby data and the personal financial data of the target user,
The said 2nd filter production | generation part produces | generates the 2nd filter as selection criteria of the type of the said personal plan which can be proposed to the said target user based on the said personal hobby data and the said personal financial data of the said target user. The personal plan creation system according to 1 or 2. The plan generation unit generates a plurality of personal plans including the financial product that can be adapted to the target user,
The personal plan creation system according to any one of claims 1 to 3, further comprising an evaluation unit that scores and evaluates the degree of suitability of each individual plan with respect to the target user. For each user, a computer having a storage unit that stores a user ID and characteristic information representing the user's characteristic in association with each other.
According to the target user's personal plan creation request, an acquisition unit that acquires characteristic information of the target user by searching the storage unit using the user ID of the target user as a search key;
A first filter generation unit that generates a first filter as a selection criterion of financial products that can be included in the personal plan based on the characteristic information of the target user;
A second filter generation unit that generates a second filter as a selection criterion for the type of the personal plan that can be proposed to the target user based on the characteristic information of the target user;
A first extraction unit that extracts a type of the personal plan that can be proposed to the target user using the second filter;
A second extraction unit that extracts financial products likely to be suitable for the target user using the first filter;
A plan generation unit that generates a personal plan including the financial product that can be adapted to the target user based on the extracted type of the personal plan and the financial product;
The personal plan creation program for functioning as a control part which displays the produced | generated said personal plan on the display apparatus of the said target user's communication terminal.