JP2019101717A - Inheritance simulator - Google Patents

Abstract

To provide a device, allowing the property status and cash flow of a decedent valuated by various practiced reference to be listed, and promoting simulations for inherit matters among inheritors.SOLUTION: An inheritance simulator stores detailed information with respect to each inherited property of a decedent. Then, the inheritance simulator shows, based on the stored detailed information, a list of the property information of the decedent which are valuated on the basis of various practiced reference including reference for inheritance tax valuation, fair valuation, and the like. Moreover, the inheritance simulator also shows, based on the stored detailed information, a list in respect to the status of profit and loss in relation with retention of the property of the decedent. The property information of the decedent and the status of profit and loss in relation with retention thereof can be shown in a manner by the whole property information, and can also be shown in a manner by each property to which each expected inheritor is expected to inherit.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a technology for performing a simulation of allocating the inheritance property of a beneficiary (planner) to a heir (planner).

  Inheritance means that when a person dies, a person who has a certain relative relationship with that person inherits his property rights and duties. After the occurrence of a succession case, or when a succession case is assumed, a heritage division meeting will be held to decide how to share the inheritance with all the heirs when carrying out the division of a heritage.

  At the Heritage Division Meeting, we will consider from the viewpoint of preparation for tax payment how much inheritance tax will occur in each heir (including planned persons), and from the point of view of giving a convincing property distribution including the gain or loss on inheritance persons. There is a need to. Inheritance procedures are not frequently experienced, and are generally unfamiliar and unfamiliar to the heirs, and it may be difficult for them to discuss their benefits.

  Therefore, in the present invention, in view of the above problems, it is possible to list the property status and cash flow of the beneficiaries evaluated based on different practical criteria, and to provide an inheritance simulation device that promotes simulation of inheritance incidents by the inheritance persons. The purpose is

  One form of the inheritance simulation device to be disclosed relates to information on the assets and liabilities of the beneficiary (including the prospective party), types of the respective assets and liabilities, and property specifying information for specifying the respective assets and liabilities. A first evaluation value obtained by evaluating each of the assets and liabilities according to a first evaluation criterion, a second evaluation value of each of the assets and liabilities evaluated according to a second evaluation criterion, and the assets and liabilities Property information storage means for storing the amount of income or the amount of expenditure generated by the purchaser and the heirs (including the planners) who intend to inherit the above-mentioned assets and liabilities in association with each other; And the vertical alignment of each asset on the left side of the table in accordance with a predetermined display order rule that defines the order of description on the table with respect to the types of the assets and liabilities. Vertically aligned, and displayed as net assets below the liability in the table for the sum of the first valuation of the asset minus the sum of the first valuation of the liability. The first table display means for causing the property identification information, the property specifying information and the second evaluation value are vertically aligned on the left side of the table in accordance with the predetermined display order rule, and are displayed on the right side of the table for each debt Vertically aligned and displayed as a net asset under the liability in the table for the sum of the second valuation of the asset minus the sum of the second valuation of the liability Table 2 display means, the property specifying information and the like regarding the assets and liabilities for generating income or expenditure by holding With regard to the amount of income or expenditure due to the assets and liabilities causing the income or expenditure, the liabilities causing the expenditure are vertically aligned on the left side of the table, and the assets causing the income are vertically oriented on the right side of the table Apparatus for displaying an arrangement as shown in FIG. 3 and displaying the amount of the sum of the amount of income minus the sum of the amount of expenditure as a net income amount below the debt in the table; The display means of the first table, the display means of the second table and the display means of the third table extract and display the assets and liabilities scheduled to be inherited for each of the assets and liabilities and the heirs It is characterized by

  The disclosed inheritance simulation device can list the property status and cash flow of the beneficiaries evaluated based on different practical criteria, and promotes the simulation of the inheritance case in the inheritance person.

It is a figure explaining an outline of a succession simulation device concerning this embodiment. It is a functional block diagram of a succession simulation device concerning this embodiment. It is a figure which shows an example of the property information storage means which concerns on this Embodiment. It is a figure which shows the example of a display by the 1st table display means which concerns on this Embodiment. It is a figure which shows the example of a display by the 2nd table display means which concerns on this Embodiment. It is a figure which shows the example of a display by the 3rd table display means which concerns on this Embodiment. It is a figure which shows the example of a display by the 1st table display means which concerns on this Embodiment. It is a figure which shows the example of a display by the 2nd table display means which concerns on this Embodiment. It is a figure which shows the example of a display by the 3rd table display means which concerns on this Embodiment. It is a figure which shows the example of a display by the 1st table display means which concerns on this Embodiment. It is a figure showing an example of hardware constitutions of a succession simulation device concerning this embodiment. It is a flowchart which shows the flow of the process example by the succession simulation apparatus which concerns on this Embodiment.

DETAILED DESCRIPTION OF THE INVENTION Embodiments of the invention will be described with reference to the drawings.
(The operating principle of the succession simulation device according to the present embodiment)

  The operation principle of the inheritance simulation apparatus (hereinafter, simply referred to as “this apparatus”) 100 according to the present embodiment will be described using FIG. 1. FIG. 1 is a diagram for explaining how the device 100 relates to another device, and FIG. 2 is a functional block diagram of the device 100. As shown in FIG.

  As shown in FIG. 1, the present apparatus 100 is connected via a communication network 330 to a user terminal operated by a user (assumed to be an advisor related to inheritance, a candidate to be inherited 320, etc.). This device 100 stores detailed information on the inherited property of the beneficiary (including the planned person) 300, and based on the stored detailed information, the inherited information evaluated by different practical standards such as inheritance tax evaluation and market value. Display property information of the person 300 in a list.

Further, based on the detailed information, the device 100 also displays a list of balances associated with holding the property of the beneficiary 300. The property information of the beneficiary 300 and the balance information associated with holding the information can be displayed in the entire inheritance property, and can also be displayed in the property unit to which the prospective person 320 intends to inherit. The communication network 330 may be wired or wireless.
As shown in FIG. 2, the present apparatus 100 has property information storage means 110, first table display means 120, second table display means 130, and third table display means 140.

  The property information storage unit 110 is the information on the assets and liabilities (inherited property) 310 of the beneficiary 300, the type 210 of each property and liability, the property specifying information 220 for specifying each property and liability, and each property And holding a first evaluation value 240 obtained by evaluating the liabilities according to the first evaluation criteria 230, a second evaluation value 260 obtained by evaluating the respective assets and liabilities according to the second evaluation criteria 250, and the respective assets and liabilities. The amount of income 270 or the amount of expenditure 280 generated by and the inferred persons (hereditors) 320 of the respective assets and liabilities are stored in association with each other.

  As shown in FIG. 3, types of assets and liabilities 210 are cash and deposits (major classification, same below), cash (middle classification, same below), cash and deposits, securities, stocks, securities, government bonds, Securities and investment trust, real estate and land, real estate and buildings, intellectual property rights and copyrights, intellectual property and patent rights, insurance and life insurance, hospitalization expenses, taxes and public charges (including inheritance tax), funeral expenses, This information is used to identify (distinguish) the type and nature of inherited property such as borrowings and apartment loans.

  As shown in FIG. 3, when the asset and liability type 210 is cash and deposit, as shown in FIG. 3, the bank name, branch name, current account, ordinary deposit, account number, etc. In the case where the asset and liability type 210 is a stock, it is information for specifying the details of the target asset or liability, as is the information such as the name of the stock issuer. Property specification information 220 may include remarks information, and the content of property specification information 220 is not limited.

  The first evaluation standard 230 is an evaluation standard of a property which is practical in a situation where a succession case is examined, and for example, a standard etc. of inheritance tax evaluation is assumed. It is effective when calculating the amount of inheritance tax.

  The second evaluation standard 250 is an evaluation standard different from the first evaluation standard 230, and is a evaluation standard of property that is practical in the case of examining a succession case, for example, an evaluation standard based on the market value, Evaluation standards based on announced prices, evaluation standards based on marketable prices, etc. are assumed. It is effective when simulating inheritance division in consideration of the profit and loss account among the heirs 320.

  As shown in FIG. 3, the heir 320 is, for example, a wife, a child or the like of the bereaved 300, and the heir 300 and the heir 320 may be future heir 300 and heir 320, respectively. It is a concept that includes prospective people.

  As shown in FIG. 3, the property and liability (inherited property) 310 of the beneficiary 300 may include the asset and the liability that were given to the heir 320 before birth. The information may be stored in association with an asset or a liability given on a lifetime basis and identification information indicating that a lifetime is given.

  In FIG. 3, the amount of income 270 is represented by a positive number, and the amount of expenditure 280 is represented by a negative number, but separate fields are provided for each of the amount of income 270 and the amount of expenditure 280, and both are positive. It is good also as a form represented by the number of.

  The first table display means 120 prescribes the order of the description regarding the asset and liability type 210 with respect to the asset and liability type 210, the property identification information 220 and the first evaluation value 240 stored in association with each other. According to the display order rule 290, each asset is vertically aligned on the left side (debit side) of the table, and vertically aligned on the right side (credit side) of each liability for the first evaluation value 240 of the asset In the table, the sum of the sum of the sum of the first sum of the liabilities 240 and the sum of the first valuation 240 is displayed as a net asset below the liabilities in the table. If the amount of net assets is negative, it may be displayed below the asset in the table.

  The first table display means 120 may be configured to display the first table on the display device 470 provided in the present apparatus 100 or on the display device provided in a user terminal connected by the communication network 330. One table may be displayed.

  The predetermined display order rule 290 defines the description position and description order in the table for each asset or liability type 210. For example, in the case of an asset, the easy order of cashing on the left side of the table Although it will be described in, it may be a rule different from this. The predetermined display order rule 290 is a concept similar to the rule specifying the description position and the description order of the assets or liabilities in the balance sheet on the table. This can help the inheritance party to understand the situation and nature of the heritage.

  In FIG. 3, the display order rule 290 describes the information allocated as "asset" on the left side of the table, describes the information allocated as "liability" on the right side of the table, and allocates as "order of description". It shows the rule to write from the top in ascending order of the numbers.

  As shown in FIG. 4, when the property information storage unit 110 stores information as shown in FIG. 3, the first table display unit 120 displays (Insurance, Life Insurance, XX Life Securities Number? ?????, 7,500,000 yen), (Cash, cash, home keeping, 1,000,000 yen), ..., (Intellectual property right, patent right, patent No. ○○○○○ ○ ○ ○ Aligned with 2,000,000 yen). In addition, the first table display means 120, on the right side of the table, (hospital expenses, blank, hospitalization expenses for May, 200,000 yen), (taxes, blanks, residence tax, 500,000 yen), ..., ( Borrowing, apartment loan, ○ ○ bank △ branch ordinary xxxxxxx (6,000,000 yen) and so on.

  In addition, as shown in FIG. 4, the first table display means 120 is a position under the liabilities on the right side of the table, the sum of the first evaluation value 240 for the asset: the first evaluation of the liabilities from 97,500,000 yen. Sum of sum 240: Amount obtained by subtracting 9,700,000 yen: Displayed as net assets for 87,800,000 yen.

  The second table display means 130 displays the left side of the table with respect to each asset in accordance with the predetermined display order rule 290 for the type 210 of the asset and the liability, the property specifying information 220 and the second evaluation value 260 stored in association. Vertically aligned in the table) and vertically aligned on the right side of the table (credit side) and subtracting the sum of the second valuation 260 for the liability from the sum of the second valuation 260 for the asset The amount is displayed as a net asset below the liability in the table. If the amount of net assets is negative, it may be displayed below the asset in the table.

  Note that the second table display means 130 may be configured to display the second table on the display device 470 provided in the present apparatus 100, or the second table display means 130 may be provided on the display device provided in the user terminal connected by the communication network 330. It may be a form to display two tables.

  As shown in FIG. 5, when the property information storage unit 110 stores the information as shown in FIG. , 12,000,000 yen), (marketing securities, government bonds, the 0th government bonds, 5,000,000 yen), (marketing securities, investment trusts, B investment trust global index, 3,500,000 yen), etc. And display in alignment. In addition, Table 2 display means 130, on the right side of the table (hospital expenses, blanks, hospitalization expenses for May, 200,000 yen), (taxes, blanks, residence tax, 500,000 yen), ..., ( Borrowing, apartment loan, ○ ○ bank △ branch ordinary xxxxxxx (6,000,000 yen) and so on. In the first evaluation value 240 (Table 1) and the second evaluation value 260 (Table 2), the evaluation values regarding securities and real estate are different.

  Also, as shown in FIG. 5, the second table display means 130 is a position under the liabilities on the right side of the table, the sum of the second evaluation value 260 for assets: the second evaluation for liabilities from 117,000,000 yen The sum of sum 260: the amount obtained by subtracting 9,700,000 yen: 107,300,000 is displayed as a net asset.

  The third table display means 140 is a type 210 of assets and liabilities that are stored in association and cause income or expenditure by holding, property identification information 220, and income 270 or expenditure 280 attributable to these assets and liabilities. The liabilities causing the expenditure are vertically aligned on the left side (debit side) of the table, and the assets causing the income are vertically aligned on the right side (credit side) of the table, and the expenditure from the total of the income amount 270 Display the net income amount below the debt in the table for the amount less the sum of 280. If the net income amount is negative, it may be displayed below the asset in the table.

  The third table display unit 140 may be configured to display the third table on the display device 470 included in the device 100, or the third table display unit 140 may be configured on the display device included in the user terminal connected by the communication network 330. It may be in a form to display 3 tables.

  As shown in FIG. 6, when the property information storage means 110 stores the information as shown in FIG. ○ ○, 200,000 yen), (Borrowing, apartment loan, ○ ○ bank 普通 branch ordinary xxxxxxx, 1,120,000 yen) and so on. In addition, Table 3 display means 140, on the right side of the table, (marketable securities, stocks, A Co., 360,000 yen), (marketable securities, government bonds, 0th government bonds, 15,000 yen), ..., ( Real estate, buildings, and Miyamae-ku, Kawasaki-shi ○ ○ (3,000,000 yen) are aligned and displayed.

Further, as shown in FIG. 6, the third display means 140 is, at the lower position of the liability on the left side of the table, the sum of income amount 270 for assets: sum of expenditure amount for liabilities 280 from ¥ 3,480,000: 1 , The amount after deducting 320,000 yen: Display the net income amount for 2,160,000 yen.
The first table display means 120, the second table display means 130, and the third table display means 140 may be configured to extract and display the assets and liabilities scheduled to be inherited for each heir (heritable person) 320. .

  As shown in FIG. 7, the first table display means 120 displays, for example, a predetermined display for the assets and liabilities 310 whose inheritance is scheduled to be inherited by the child 1, the property identification information 220 and the first evaluation value 240. According to the order rule 290, the assets are vertically aligned on the left side of the table and vertically aligned on the right side of the liabilities, and the first evaluation value of the liabilities from the sum of the first evaluation value 240 of the assets The total amount of 240 minus the amount is shown as net assets below the liabilities in the table.

  As shown in FIG. 8, the second table display means 130 displays, for example, a predetermined display for the assets and liabilities 310 whose inheritance is scheduled to be inherited by the child 1, the property identification information 220 and the second evaluation value 260. According to the order rule 290, the assets are aligned vertically on the left side of the table, and vertically aligned on the right side of the liabilities for the liabilities, and the second evaluation value of the liabilities from the sum of the second evaluation value 260 of the assets The amount after the sum of 260 is displayed as net assets below the liabilities in the table.

  As shown in FIG. 9, the third table display means 140 is, for example, an asset and a liability 310, which causes income or expenditure due to holding, when the prospective heir 320: a child 1 is due to inherit, property identification With regard to information 220 and income 270 or expenditure 280 attributable to these assets and liabilities, the debt causing expenditure is vertically aligned on the left side of the table, and the asset generating income is vertically aligned on the right side of the table In addition, the amount of the sum of the amount of income 270 minus the total of the amount of expenditure 280 is displayed as a net income amount below the liability in the table.

  The first display means 120 and the second display means 130 display information corresponding to the first evaluation value 240, the second evaluation value 260, and the net asset amount (net debt amount) with respect to the information to be displayed on the table. The display may be performed so as to include the region.

  As shown in FIG. 10, the first table display means 120 displays the first table, but FIG. 10 displays the same information as the information displayed in FIG. It is the figure which changed the display area (height / width of one line) according to the size of the amount of net assets.

  Similarly to the first table display means 120 and the second table display means 130, the third table display means 140 also displays the display area so as to have the income amount 270, the expenditure amount 280, and the size of the net income amount. It is good also as a form to perform.

  The first table display means 120, the second table display means 130, and the third table display means 140 have the above-described configuration, and thus the size of the inheritance and the intuition of the size of the balance associated with the possession of the inheritance General understanding, and it is possible to facilitate the discussion of inheritance division among the heirs 320 more smoothly.

By performing the information processing as described above, the present apparatus 100 can make it possible to list the property status and cash flow of the beneficiary 300 evaluated based on different practical criteria, and simulate a succession case between the heirs 320. Promote.
(Hardware configuration of inheritance simulation apparatus according to the present embodiment)

  An example of the hardware configuration of the device 100 will be described with reference to FIG. FIG. 11 is a diagram showing an example of the hardware configuration of the present apparatus 100. As shown in FIG. As shown in FIG. 11, the present apparatus 100 includes a central processing unit (CPU) 410, a read only memory (ROM) 420, a random access memory (RAM) 430, an auxiliary storage device 440, a communication I / F 450, and an input device 460. , Display device 470, and storage medium I / F 480.

  The CPU 410 is a device that executes a program stored in the ROM 420, performs arithmetic processing on data developed (loaded) in the RAM 430 in accordance with instructions of the program, and controls the entire device 100. The ROM 420 stores programs and data that the CPU 410 executes. When the CPU 410 executes a program stored in the ROM 420, the RAM 430 develops (loads) a program or data to be executed, and temporarily holds operation data during operation.

  The auxiliary storage device 440 is a device that stores an operating system (OS) that is basic software, an application program according to the present embodiment, and the like together with related data. The auxiliary storage device 440 includes a property information storage unit 110, and is, for example, an HDD (Hard Disc Drive) or a flash memory.

  The communication I / F 450 is an interface for connecting to a communication network 330 such as a wired / wireless LAN (Local Area Network), the Internet, etc., and exchanging data with other devices that provide a communication function.

The input device 460 is a device such as a touch panel for performing data input to the device 100. The output device 470 is a device configured by an LCD (Liquid Crystal Display) or the like, and functions as a user interface when the user uses the function of the device 100 or when performing various settings.
The storage medium I / F 480 is an interface for transmitting and receiving data to and from the storage medium 490 such as a CD-ROM, a DVD-ROM, and a USB memory.

Each unit included in the apparatus 100 may be realized by the CPU 410 executing a program corresponding to each unit stored in the ROM 420 or the auxiliary storage device 440. Further, each means included in the present apparatus 100 may be realized as a form in which the process related to each means is realized as hardware. In addition, the program according to the present invention may be read from an external server apparatus through communication I / F 450, or the program according to the present invention may be read from storage medium 490 through storage medium I / F 480. The program may be executed on a computer.
(Example of processing by an inheritance simulation apparatus according to the present embodiment)
A processing example of the present apparatus 100 will be described using FIG. FIG. 12 is a flowchart showing a flow of an example of processing by the device 100.

  In S10, the device 100 receives information to be registered in the property information storage unit 110 from the user. Then, in S10, the present apparatus 100 causes the property information storage means 110 to receive the information 210 regarding the inherited property 310 of the beneficiary 300, the type 210 of each property and liability, and the property specification information 220 of each property and liability. , First valuation 240 of each asset and liability, second valuation 260 of each asset and liability, income 270 or expenditure 280 associated with holding of each asset and liability, and inheritance of each asset and liability The planner 320 is stored in association with each other. Based on the process in S10, the property information storage unit 110 stores, for example, information as shown in FIG.

  In S20, the present apparatus 100 receives from the user the condition of the information related to the inheritance displayed by the first table display means 120, the second table display means 130, or the third table display means 140.

  When a request to display “Table 1 (table showing the status of the inheritance according to the first evaluation criteria 230)” is received in S20, the process by the device 100 shifts to S40.

When a request to display “Table 2 (table showing the status of the inheritance according to the second evaluation criteria 250)” is received in S20, the process by the device 100 shifts to S50.
When a request to display "Table 3 (table showing the balance of payments due to possession of the inheritance property)" is received in S20, the process by the device 100 shifts to S60.

  With respect to each asset, according to the predetermined display order rule 290, the table display means 120 in S40 displays the type 210 of the asset and the liability, the property specifying information 220 and the first evaluation value 240 stored in association with each other. Vertically aligned, vertically aligned on the right of the table for each liability, and the sum of the first assessed value 240 for the asset minus the total of the first assessed value 240 for the liability, in the table Display as net assets below the debt. If the amount of net assets is negative, it may be displayed below the asset in the table.

  As shown in FIG. 4, when the property information storage unit 110 stores information as shown in FIG. 3 in S40, the first table display unit 120 displays (Insurance, Life Insurance, XX Life Securities, etc.) on the left side of the table. Number ?????? 7,500,000 yen) (Cash, cash, custody at home, 1,000,000 yen), ..., (Intellectual property right, patent right, patent No. ○○○○ ○ ○ ○, 2,000,000 yen) and so on. In addition, the first table display means 120, on the right side of the table, (hospital expenses, blank, hospitalization expenses for May, 200,000 yen), (taxes, blanks, residence tax, 500,000 yen), ..., ( Borrowing, apartment loan, ○ ○ bank △ branch ordinary xxxxxxx (6,000,000 yen) and so on.

  Also, as shown in FIG. 4, in S40, the first display means 120 in the first place on the right side of the table on the right side of the table, the sum of the first evaluation value 240 for the asset: from 97,500,000 yen The total of the evaluation value 240 of: The amount after deducting 9,700,000 yen: It is displayed as net assets about 87,800,000 yen.

  With respect to each asset, according to the predetermined display order rule 290, the table display means 130 in S50 displays the type 210 of the asset and the liability, the property specifying information 220 and the second evaluation value 260 stored in association with each other. Vertically aligned, vertically aligned on the right of the table for each liability, and the sum of the second valuation 260 on the asset minus the total of the second valuation 260 on the liability, in the table Display as net assets below the debt. If the amount of net assets is negative, it may be displayed below the asset in the table.

  As shown in FIG. 5, when the property information storage unit 110 stores the information as shown in FIG. Ltd., 12,000,000 yen), (marketing securities, government bonds, the 0th government bonds, 5,000,000 yen), (marketing securities, investment trust, B investment trust global index, 3,500,000 yen), ... Align and display. In addition, Table 2 display means 130, on the right side of the table (hospital expenses, blanks, hospitalization expenses for May, 200,000 yen), (taxes, blanks, residence tax, 500,000 yen), ..., ( Borrowing, apartment loan, ○ ○ bank △ branch ordinary xxxxxxx (6,000,000 yen) and so on. In the first evaluation value 240 (Table 1) and the second evaluation value 260 (Table 2), the evaluation values regarding securities and real estate are different.

  In addition, as shown in FIG. 5, in S50, the second table display means 130 in the table 50 on the right side of the table shows the sum of the second evaluation value 260 for the asset: from 117,000,000 yen for the second for the liability The total of the evaluation value 260 of: The amount after deducting 9,700,000 yen: It is displayed as net assets about 107,300,000 yen.

  Types of assets and liabilities 210, which are stored in association with each other at S60 in Table 60 and cause income or expenditure with holding, property identification information 220, and income 270 or expenditure due to these assets and liabilities With regard to 280, the liabilities causing expenditure are vertically aligned on the left side of the table, the assets causing income are vertically aligned vertically on the table, and the sum of the amount of expenditure 280 is subtracted from the total of the amount of income 270 The amount will be displayed as a net income under the debt in the table. If the net income amount is negative, it may be displayed below the asset in the table.

  As shown in FIG. 6, when the property information storage unit 110 stores the information as shown in FIG. 3 in S60, the third display means 140 displays ... (real estate, land, Kawasaki city) on the left side of the table. It is aligned and displayed with Miyamae ward ○ and ¥ 200,000), (borrowing, apartment loan, ○ bank △ branch ordinary xxxxxxx, 1,120,000 yen), and the like. In addition, Table 3 display means 140, on the right side of the table, (marketable securities, stocks, A Co., 360,000 yen), (marketable securities, government bonds, 0th government bonds, 15,000 yen), ..., ( Real estate, buildings, and Miyamae-ku, Kawasaki-shi ○ ○ (3,000,000 yen) are aligned and displayed.

  Further, as shown in FIG. 6, in S60, the third table display means 140 is the lower position of the liability on the left side of the table, the total of the income amount 270 for the asset: the total of the expenditure amount 280 for the liability from 3,480,000 yen. 1: Subtracting 1,320,000 yen: Display as net income for 2,160,000 yen.

  When the device 100 receives a request to extract and display the assets and liabilities scheduled to be inherited by the specific heir (inherited person) 320 in S20, the first table display means 120, the second table display means 130, and In accordance with the request, the third table display means 140 extracts and displays the asset and the liability that the designated heir (the intended to be inherited) 320 intends to inherit.

  As shown in FIG. 7, in S40, the first table display means 120 determines, for example, predetermined values for the assets and liabilities 310 to which the child 1 is to inherit and the property identification information 220 and the first evaluation value 240. According to the display order rule 290, each asset is vertically aligned on the left side of the table, and each debt is vertically aligned on the right side of the table, and the sum of the first evaluation value 240 for assets is the first for liabilities The total of the valuation amount 240 minus the total is displayed as net assets below the liabilities in the table.

  As shown in FIG. 8, in S50, the second table display means 130 determines, for example, predetermined values for the assets and liabilities 310 whose property is scheduled to be inherited by the child 1, the property identification information 220 and the second evaluation value 260. According to the display order rule 290, each asset is vertically aligned on the left side of the table, and each debt is vertically aligned on the right side of the table, and the sum of the second evaluation value 240 for assets is a second for liabilities The total of the valuation amount 240 minus the total is displayed as net assets below the liabilities in the table.

  As shown in FIG. 9, in S60, the third table display means 140 is, for example, a prospective heir 320: an asset and a liability 310 which cause the child 1 to inherit and which generates income or expenditure with holding. With regard to property identification information 220 and income 270 or expenditure 280 attributable to these assets and liabilities, liabilities causing expenditure are vertically aligned on the left side of the table, and assets causing income are vertically aligned on the right side of the table In addition to being displayed, the amount obtained by subtracting the total of the expenditure 280 from the total of the income 270 is displayed below the liabilities in the table as a net income.

  In S40 or S50, the first display means 120 and the second display means 130 relate to the information to be displayed on the table, and the first evaluation value 240, the second evaluation value 260 and the size of the net asset amount (net debt amount) It is good also as a form which performs a display so that the display area according to may be provided.

  As shown in FIG. 10, the first table display means 120 displays the first table, but FIG. 10 displays the same information as the information displayed in FIG. It is the figure which changed the display area (height / width of one line) according to the size of the amount of net assets.

  Similar to the first table display means 120 and the second table display means 130 in S60, the third table display means 140 also has a display area according to the income amount 270, the expenditure amount 280 and the size of the net income amount. It is good also as a form which displays.

  The first table display means 120, the second table display means 130, and the third table display means 140 have the above-described configuration, and thus the size of the inheritance and the intuition of the size of the balance associated with the possession of the inheritance General understanding, and it is possible to facilitate the discussion of inheritance division among the heirs 320 more smoothly.

  If the present apparatus 100 receives a request for redisplay of Table 1, Table 2 or Table 3 from the user in S70 (Yes in S70), the process proceeds to S20. When the apparatus 100 does not receive a request for redisplaying the first table, the second table or the third table from the user in S70 (No in S70), the process by the apparatus 100 ends.

  By performing the information processing as described above, the present apparatus 100 can make it possible to list the property and cash flow of the beneficiary 300 evaluated based on different practical criteria, and promote simulation of a succession case among the heirs 320. Let

  As mentioned above, although the embodiment of the present invention was explained in full detail, the present invention is not limited to the specific embodiment concerned, and various modifications can be made within the scope of the subject matter of the present invention described in the claims.・ Change is possible.

100 Inheritance Simulation Device 110 Property Information Storage Means 120 Table 1 Display Means 130 Table 2 Display Means 140 Table 3 Display Means 210 Asset and Liability Types 220 Property Identification Information 230 First Evaluation Criteria 240 First Evaluation Value 250 Second valuation basis 260 Second appraisal value 270 Revenue from holding assets 280 Expense for holding debts 290 Presentation order rule 300 Successors 310 Successors' assets and liabilities 320 Heirs 330 communication network 410 CPU
420 ROM
430 RAM
440 auxiliary storage 450 communication interface 460 input device 470 output device 480 storage medium interface 490 storage medium

Claims (11)

With respect to information on assets and liabilities of the beneficiary (including the prospective party), types of the respective assets and liabilities, property specifying information for specifying the respective assets and liabilities, and the respective assets and liabilities as the first A first valuation value assessed on a valuation basis, a second valuation value on valuation of each said asset and liability on a second valuation basis, and an amount of income or expenditure generated by holding each said asset and liability Property information storage means for storing the above-mentioned assets and liabilities in association with the heirs (including scheduled persons) who are to be inherited;
The property identification information and the first evaluation value are vertically aligned on the left side of the table with respect to each of the assets in accordance with a predetermined display order rule that defines the order of description on the table regarding the types of assets and liabilities. The lower position of the liability in the table for the amount of the liabilities aligned vertically on the right side of the table and subtracting the sum of the first evaluation value of the liability from the sum of the first evaluation value of the asset A first table display means to be displayed as net assets,
The property specifying information and the second evaluation value are vertically aligned on the left side of the table with respect to the assets according to the predetermined display order rule, and vertically aligned on the right side of the table with respect to the liabilities. Table 2 displaying means for displaying as net assets at a position below the liability in the table, an amount obtained by subtracting the sum of the second assessment value for the liability from the sum of the second assessment value for the asset;
The asset specific information on the assets and liabilities that generate income or expenses by holding, and the income or expenses caused by the assets and liabilities that generate the income or expenses Vertically aligned on the right side of the table and vertically aligned on the right side of the table with the assets that generate income, with the sum of An inheritance simulation apparatus having a third display means for displaying as a net income amount,
The first table display means, the second table display means and the third table display means extract and display the assets and liabilities scheduled to be inherited for each of the assets and liabilities and for each of the heirs. Inheritance simulation device.   With respect to the information to be displayed on the table, the first table display means and the second table display means are provided with display areas according to the first evaluation amount, the second evaluation amount, and the net asset amount The inheritance simulation apparatus according to claim 1, characterized in that:   3. The display method according to claim 1, wherein the third display means displays the information to be displayed on the table so as to include a display area corresponding to the income amount, the expenditure amount and the size of the net income amount. The inheritance simulation device according to 2.   The inheritance simulation apparatus according to any one of claims 1 to 3, wherein the assets and liabilities of the beneficiaries include the assets and liabilities to which a gift is given and which is given to the heir.   The inheritance simulation apparatus according to any one of claims 1 to 4, wherein the predetermined display order rule is a rule arranged from top to bottom of the table in the order of easy cashing. With respect to information on assets and liabilities of the beneficiary (including the prospective party), types of the respective assets and liabilities, property specifying information for specifying the respective assets and liabilities, and the respective assets and liabilities as the first A first valuation value assessed on a valuation basis, a second valuation value on valuation of each said asset and liability on a second valuation basis, and an amount of income or expenditure generated by holding each said asset and liability And an inheritance simulation method performed by an inheritance simulation apparatus including property information storage means for storing in association the heirs (including scheduled persons) who intend to inherit the assets and liabilities.
The first table display means vertically arranges on the left side of the table with respect to each of the assets in accordance with a predetermined display order rule which defines the order of description on the table with respect to the property and the liability with respect to the property specifying information and the first evaluation value. Aligned in the direction, vertically aligned on the right side of the table for each of the liabilities, and for the sum of the first valuation of the asset minus the sum of the first valuation of the liability, Displaying as net assets below the debt in the table
The second table display means causes the property identification information and the second evaluation value to be vertically aligned on the left side of the table with respect to the assets according to the predetermined display order rule, and vertical directions on the right side of the table for each liability Displaying as a net asset below the liability in a table an amount obtained by aligning the direction and displaying the sum of the second valuation of the asset minus the sum of the second valuation of the liability When,
With regard to the property specifying information regarding the assets and liabilities for causing the income or expenditure by holding the table 3 display means and the amount of income or expenditure due to the assets and liabilities for causing the income or expenditure The liabilities to be generated are vertically aligned on the left side of the table, and the assets that generate income are aligned vertically to the right side of the table, and the sum of the income amounts minus the sum of the expenditure amounts Displaying in the table below the debt as a net income amount;
The first table display means, the second table display means and the third table display means extract and display the assets and liabilities scheduled to be inherited for each of the assets and liabilities and for each of the heirs. Inheritance simulation method.   With respect to the information to be displayed on the table, the first table display means and the second table display means are provided with display areas according to the first evaluation amount, the second evaluation amount, and the net asset amount The inheritance simulation method according to claim 6, characterized in that:   7. The display method according to claim 6, wherein said third display means displays the information to be displayed on the table so as to include a display area corresponding to the amount of income, the amount of expenditure and the amount of net income. The inheritance simulation method according to 7.   The inheritance simulation method according to any one of claims 6 to 8, wherein the assets and liabilities of the beneficiaries include the assets and liabilities to which a gift is given and which is given to the heir.   The inheritance simulation method according to any one of claims 6 to 9, wherein the predetermined display order rule is a rule arranged from top to bottom of the table in the order of easy cashing. An inheritance simulation program for causing a computer to execute the inheritance simulation method according to any one of claims 5 to 10.

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