JP2020024682A - Computer system, program, and method for supporting user in decision-making on commodity - Google Patents

Abstract

To provide a computer system, a program, and a method for supporting a user in decision-making on a commodity.SOLUTION: A program according to the present invention is executed by an information processing device including a display unit and a processor unit. The program causes the processor unit to execute processing including controlling whether or not to accept an input when a user inputs information on an item of a commodity, receiving the information input by the user when being controlled to permit the input of the information of the user, and displaying on the display unit information about another user regarding the item of the commodity.SELECTED DRAWING: Figure 5

Description

  The present invention relates to a computer system, a program, and a method for assisting a user in making a decision on a product. In particular, the present invention relates to a computer system, a program, and a method for supporting a user's decision making at the time of designing an operation of a financial product, and more specifically, at the time of designing an insurance.

  2. Description of the Related Art Conventionally, when selecting a product, decision support has been provided to a user. Patent Literature 1 discloses a decision support system for supporting a user to select a product on the Internet. Such a system supports the user's decision making by providing an image of a product or a combination of products when selecting a tangible and visible product (eg, food, furniture, etc.).

  However, there is no one that supports a user's decision-making when selecting an invisible product (for example, a financial product such as an insurance product).

JP 2001-306893 A

  The inventor of the present invention has considered that it is important for invisible products, such as financial products such as insurance products, to support the user's decision. That is, when selecting a product such as a financial product such as an insurance product, it is important how to convince the user and how to make the user feel angry. In particular, financial products involving money transactions make it difficult for others to understand what kind of operation design other people are doing, and it is difficult to refer to what kind of operation design other people are doing.

  The inventor of the present invention has devised the present invention based on this idea. An object of the present invention is to provide a computer system, a program, and a method for supporting a user's decision making so that a user can understand and perform an operation design when designing an operation of a financial product. .

  A further object of the present invention is to provide a computer system, a program, and a method for supporting a user's decision-making even for a product not limited to a financial product.

  A program according to an embodiment of the present invention is executed in an information processing apparatus including a display unit and a processor unit, wherein the program enables a user to input information on an item of a product, And causing the processor unit to execute a process including displaying information on another user regarding the item on the display unit.

  In one embodiment of the present invention, the information about another user regarding the item of the product includes a degree of interest of another user with respect to the item of the product.

  In one embodiment of the present invention, the degree of interest of the other user is represented by a ratio of a person who is interested in the item of the product to a group to which the user belongs.

  In one embodiment of the present invention, the degree of interest of the other user is represented by a ratio of a person who has input the item of the product to a group to which the user belongs.

  In one embodiment of the present invention, the processing further includes controlling whether or not the user can input the information.

  In one embodiment of the present invention, controlling the input availability includes disabling input of an item for which the degree of interest of another user for the item of the product is less than a predetermined threshold.

  In one embodiment of the present invention, the processing further includes receiving an attribute and / or profile of the user, and controlling whether or not the input can be performed according to the attribute and / or profile of the received user. And disabling input to a predetermined item.

  In one embodiment of the present invention, the processing further includes receiving a selection input of the item of the product by the user, and controlling whether or not the input is possible includes: Includes disabling entry for items.

  In an embodiment of the present invention, the displaying includes displaying a degree of interest of another user regarding the item of the product in chronological order.

  In one embodiment of the present invention, enabling the user to input includes displaying a question result for the user together with an answer result of another user to the question on the display unit, and displaying an answer to the question. Allowing the user to input.

  In one embodiment of the present invention, the product is a financial product.

  In one embodiment of the present invention, the product is an insurance product.

  An information processing apparatus according to an embodiment of the present invention includes a unit that allows a user to input information about an item of a product, and a unit that displays information about another user regarding the item of the product.

  A method according to an embodiment of the present invention is performed in an information processing apparatus including a display unit and a processor unit, wherein the method enables the user to input information on an item of a product. And displaying the information on another user regarding the item of the product on the display unit.

  The information processing device according to an embodiment of the present invention can be connected to a user terminal device via a network, and the information processing device transmits information about the user regarding an item of a product from the terminal device. A receiving unit that receives the information; and a transmitting unit that transmits information about another user regarding the item of the product to the terminal device.

  In one embodiment of the present invention, the information about the user regarding the item of the product is input to the terminal device only when the input control unit of the terminal device permits input, and the receiving unit includes: Information about the user regarding the item of the input product is received from the terminal device.

  A program according to an embodiment of the present invention is executed in an information processing device that can be connected to a user terminal device via a network, the information processing device includes a processor unit, and the program includes To the processor unit to execute a process including receiving information about the user related to the item from the terminal device and transmitting information about another user related to the item of the product to the terminal device. Let it do.

  A method according to an embodiment of the present invention is executed in an information processing device that can be connected to a user terminal device via a network, wherein the information processing device includes a processor unit, and the method includes: The unit receiving information about the user regarding the item of the product from the terminal device, and the processor unit transmitting information about another user regarding the item of the product to the terminal device. .

  According to the present invention, a computer that supports a user's decision making by allowing a user to refer to what items (e.g., subject areas, specifications, etc.) other users are interested in. Systems, programs, and methods can be provided. Thereby, it is possible to support the user's decision. This is because in the design of the operation of financial products such as insurable insurance products, it is possible to convince and design the operation with a feeling of hunger. Particularly useful for financial instruments.

The figure which shows the terminal device on which the example of the screen of the insurance design application for a user to perform insurance design (insurance design) by himself is displayed. The figure which shows an example of the screen of the insurance design application for a user to perform insurance design (insurance design) by himself. The figure which shows an example of the screen of the insurance design application for a user to perform insurance design (insurance design) by himself. The figure which shows an example of the screen of the insurance design application for a user to perform insurance design (insurance design) by himself. The figure which shows an example of the screen of the insurance design application for a user to perform insurance design (insurance design) by himself. The figure which shows an example of the screen of the insurance design application for a user to perform insurance design (insurance design) by himself. The figure which shows an example of the screen of the insurance design application for a user to perform insurance design (insurance design) by himself. The figure which shows an example of the screen of the insurance design application for a user to perform insurance design (insurance design) by himself. The figure which shows an example of a structure of the computer system 1000 for insurance design. FIG. 2 is a block diagram showing an example of a configuration of a terminal device 200. FIG. 2 is a block diagram showing an example of a configuration of a server device 300. 4 shows an example of the data configuration of information that can be stored in the database unit 400. 9 is a flowchart illustrating an example of a process 500 for insurance design performed in the computer system 1000 for insurance design.

  In the present specification, “financial product” means a product or a group of products handled in a financial transaction. The financial product is, for example, a product handled by a bank, an insurance company, a securities company, or the like, and includes a deposit, an investment trust, an insurance product, stock, government bond, foreign exchange, commodity, derivative, or a combination thereof.

  In this specification, “operation design” means designing a plan for trading what kind of financial products and managing assets in the future. The plan includes, for example, the amount required to trade the financial product, the specifications of the financial product, and the like. That is, "operation design" includes determining the amount of money required to trade a financial product, and also includes determining the specifications of the financial product to be traded. For example, when a financial product is an insurance product, “operation design” means designing a plan for what type of insurance product to join and manage assets in the future (so-called insurance design). means. The plan includes, for example, insurance premiums required to join the insurance product, specifications of the insurance product (eg, security items, security period, insurance payment period, payment method, amount of payment, etc.). That is, "insurance design" includes determining the insurance premium required to subscribe to the insurance product, and also includes determining the specifications of the insurance product to be subscribed.

  Hereinafter, as an example, an embodiment of the present invention will be described with reference to the drawings, taking as an example a case where “financial product” is an insurance product and insurance design is performed as “operation design”.

1. Insurance Design Application Figure 1A shows a terminal device the user is displayed an example of a screen of the insurance design application for insurance design (Insurance Design) yourself FIG 1B~ Figure 1H, the insurance users themselves 4 shows an example of a screen of an insurance design application for performing design (insurance design). Here, a case will be described as an example where the user performs insurance design using the insurance design application. The user can perform an insurance design suitable for the user by appropriately inputting information on a screen of an insurance design application displayed on a terminal device (for example, a smartphone, a tablet, a personal computer, or the like). The insurance design application may be a web application available via a web browser, or may be an application installed on a terminal device. The insurance design application installed on the terminal device may be an online application that is executed in a situation where communication with the server device is possible, or may be an offline application that is executed even in a situation where communication with the server device is impossible. . In the case of an online application, data may be always exchanged with the server device, or data may be exchanged with the server device at a predetermined timing or when a user operation is performed. In the case of an offline application, for example, when communication with the server device becomes possible, data is exchanged with the server device.

  FIG. 1A shows a user terminal device on which an example of an initial screen 10 of an insurance design application is displayed.

  The initial screen 10 is, for example, a screen displayed when a web application or an installed application is activated. The initial screen 10 includes an input section 11 for inputting user attributes, a design start button 12, and a button 13 for transitioning to a later-described profile input screen 30.

  In the input section 11, for example, the user's age, gender, marriage or singleness, presence or absence of children, and the like can be input as attributes of the user. In the input section 11, a user attribute can be input by selecting a user attribute from a pull-down menu, but the input method is not limited to this. For example, the attributes of the user may be directly input by text input or the like.

  When the user's attribute is input to the input section 11 and the design start button 12 is selected, the screen is transited to the everyone's insurance design display screen 20 in FIG. 1B. Alternatively, when the user's attribute is input to the input section 11 and the button 13 is selected, the screen transits to the profile input screen 30 of FIG. 1C.

  FIG. 1B shows an example of the everyone's insurance design display screen 20 of the insurance design application. Here, it is assumed that the attribute of (male, 30 years old, married (with children)) has been input to the input section 11 of the initial screen 10 in FIG. 1A. The age attribute may be input as a numerical value, or may be input in a numerical range such as 30s, 30-39 years old.

  Although the everyone's insurance design display screen 20 of FIG. 1B is shown to be longer than the initial screen 10 of FIG. 1A, the everyone's insurance design display screen 20 is, for example, adjusted in size according to the size of the display unit of the terminal device. Or a part of the everyone's insurance design display screen 20 may be displayed on the display unit of the terminal device. When a part of the everyone's insurance design display screen 20 is displayed on the display unit of the terminal device, the user can browse the entire insurance design display screen 20 by scrolling the screen.

  The everyone's insurance design display screen 20 is a screen for displaying information on insurance designs performed by other users in the group to which the user belongs. The group is, for example, a group to which people having the same attribute belong. Here, information on insurance design performed by another user in a group to which a person having the attribute of (male, 30 years old, married (with children)) belongs is displayed. The group may be a group to which at least one person having the same attribute belongs, for example, a group to which men belong, a group to which women aged 30 to 39 belong, a group to which unmarried men belong, and the like. . Alternatively, the group may be a group to which all users belong. The group may be set in advance or may be selectable by the user.

  The everyone's insurance design display screen 20 includes a target field display section 21, an approximate premium display section 22, and a button 24 for transitioning to a later-described profile input screen 30.

  The target field display section 21 displays a plurality of target fields of insurance that can be designed by a person in the group to which the user belongs. Insurance coverage includes, for example, “family life” where insurance for the loss of oneself (eg, life insurance) can be categorized, and insurance for the loss of oneself (eg, whole life). Insurance) can be classified as "funeral, etc.", insurance for illness or injury (e.g., medical insurance) can be categorized as "medical / hospitalization", insurance for illness or injury (e.g., , Income security insurance, income compensation insurance) can be classified as “employment incapacity”, insurance for illness or injury (eg, nursing care insurance) can be categorized as “need for nursing care”, Includes, but is not limited to, "life after retirement" in which insurance for the elderly (eg, endowment insurance) may be classified, and "advancement of children" in which insurance for the preparation for future life (eg, school fund insurance) may be classified. .

  Each target field in the target field display section 21 displays an average estimated premium based on an insurance design performed by another user in the group to which the user belongs in the target field. For example, the average of the results of the insurance design performed by other users in the group to which the person having the attribute of (male, 30 years old, married (with children)) belongs to the insurance classified as the target field "family life" The amount (for example, 1,640 yen / month) is displayed for the target field “life of family”. Thereby, the user can know how much other users in the group to which the user belongs perform insurance design in the target field, and can refer to the own insurance design.

  In the target field display section 21, the same target field may be displayed for all groups, or the displayed target field may be changed depending on the group to which the user belongs. . For example, for a group having an unmarried attribute or a group having no child attribute, the target field “advance to children” can be prevented from being displayed. This is because it is highly likely that a group having an unmarried attribute or a group having an attribute without children is not interested in preparing for the entrance of a child. For example, for a group having an unmarried attribute, the target field “life of a family” may not be displayed. This is because it is highly likely that a group having an unmarried attribute is not interested in preparing for a family life.

  The estimated premium display section 22 displays the average total estimated premium based on the insurance design made by each user in each target area in the group to which the user belongs. For example, an average amount (eg, 9) of the total of the results of the insurance design performed by the other users in the group to which the person having the attribute of (male, 30 years old, married (with children)) belongs for each target field , 044 yen / month) is displayed as the total estimated premium. This allows the user to know how much other users in the group to which the user belongs are designing insurance as a whole of the target field, and can refer to their own insurance design.

  In the target field display section 21, a degree of interest display section 23 is displayed for each target field. The interest degree display section 23 of each target field displays the degree of interest indicating how many users in the group to which the user belongs are interested in the target field. The degree of interest may be, for example, a ratio of users who have designed insurance in each target field in a group to which the users belong. The degree of interest may be based on, for example, a result of a questionnaire regarding each target field, which is performed in advance in a group to which the user belongs. The questionnaire may include, for example, questions asking directly or indirectly if one is interested in insurance design in each subject area. The questionnaire may be a questionnaire (not shown) performed within the insurance design application or a questionnaire performed outside the insurance design application. For example, in FIG. 1B, in a group to which a person having the attribute of (male, 30 years old, married (with children)) belongs, 60% of the users have designed or are interested in insurance for the target field "family life". A pie chart shows that 50% of users have designed or are interested in insurance for the target area "funeral etc." "Is shown in a pie chart for insurance design or interest. Thereby, the user can know how much other users in the group to which the user belongs are interested in each target field, and can refer to the insurance design of the user.

  For example, when the interest level display section 23 is selected, a transition to a screen displaying a graph indicating a time-series change in the interest level may be made. As a result, it is possible to confirm whether the degree of interest is increasing or decreasing. This is because, even with the same degree of interest, the meaning is different depending on whether the degree of interest is increasing or decreasing. For example, if the same degree of interest of 60% is increasing, if more users are expected to be interested in the future, it may be decreasing. If so, fewer users are expected to be interested in the future.

  After confirming the information of the insurance design performed by another user in the group to which the user belongs, the screen changes to the profile input screen 30 when the user selects the button 24.

  FIG. 1C shows an example of the profile input screen 30 of the insurance design application, and FIG. 1D shows an example of another profile input screen 40 of the insurance design application.

  Although the profile input screen 30 of FIG. 1C and the profile input screen 40 of FIG. 1D are shown to be longer than the initial screen 10 of FIG. 1A, the profile input screens 30 and 40 are, for example, of a size of the display unit of the terminal device. The size may be adjusted accordingly, or a part of the profile input screens 30 and 40 may be displayed on the display unit of the terminal device. When a part of the profile input screens 30 and 40 is displayed on the display unit of the terminal device, the user can browse the entire profile input screens 30 and 40 by scrolling the screen.

  The profile input screens 30 and 40 are screens for inputting a user's profile. The user's profile may include, for example, occupation, annual income, spouse information (eg, spouse's age, occupation, annual income, etc.), child information (eg, child's age), housing information (eg, whether to own a house or rent). , Mortgage balance, mortgage payment, etc.), and personal information such as information on existing insurance products (eg, insurance period, insurance amount, premium paid, etc.). The number of profiles to be input is not limited, but it is preferable that the number of profiles to be input is large. This is because the more profiles that need to be input, the more it is possible to make the user design insurance that suits the user.

  The profile input screen 30 in FIG. 1C is a screen for inputting the occupation of the user, and includes an occupation input section 31 and a button 32 for transitioning to a next input screen. When the occupation is input in the occupation input section 31 and the button 32 is selected, the screen transitions to the next screen. In the occupation input section 31, the occupation can be input by selecting the occupation from the options, but the input method is not limited to this. For example, the occupation may be directly input by text input or the like.

  The profile input screen 40 in FIG. 1D is a screen for inputting spouse information and child information. The spouse age input section 41, the child age input section 42, and the screen for transitioning to the previous screen. A button 43 and a button 44 for transitioning to the next screen are included. When the spouse's age is input in the spouse age input section 41, the child's age is input in the child age input section 42, and the button 44 is selected, the screen transitions to the next screen. The spouse age and the child age can be input to the spouse age input section 41 and the child age input section 42 by selecting an age from a pull-down menu, but the input method is not limited to this. For example, the spouse age and the child age may be directly input by text input or the like.

  In the profile input screens 30 and 40, the profile to be input may be changed according to the attribute of the user. For example, a screen for inputting spouse information and child information may not be displayed for unmarried users. For example, a screen for inputting child information may not be displayed for a user without children. For example, a screen for inputting mortgage information may not be displayed for a user living in a rented house.

  When the input of the profile is completed, the screen transits to the home screen 50 for performing the insurance design shown in FIG. 1E.

  FIG. 1E shows an example of the insurance design home screen 50 of the insurance design application.

  Although the insurance design home screen 50 of FIG. 1E is shown to be longer than the initial screen 10 of FIG. 1A, the insurance design home screen 50 is adjusted in size according to, for example, the size of the display unit of the terminal device. Alternatively, a part of the insurance design home screen 50 may be displayed on the display unit of the terminal device. When a part of the insurance design home screen 50 is displayed on the display unit of the terminal device, the user can browse the entire insurance design home screen 50 by scrolling the screen.

  The insurance design home screen 50 includes a target field display section 51, an estimated premium display section 52, a button 54 for transitioning to an insurance design confirmation screen 70 described later, and a button 55 for transitioning to the profile input screen 30. including.

  The target field display section 51 displays a plurality of target fields of insurance that can be designed by the user. The insurance target fields are the same as those displayed in the target field display section 21 of the everyone's insurance design display screen 20 in FIG. 1B.

  When the user selects each target field in the target field display section 51, an insurance design screen such as an insurance design screen 60 in FIG. 1F described later is displayed in a pop-up, and the user can perform insurance design on the insurance design screen. Each target field in the target field display section 51 displays an estimated premium based on the insurance design performed by the user on the insurance design screen of the target field.

  In the target field display section 51, the same target field may be displayed for all users, or the displayed target field may be changed according to the attributes of the user or the profile of the user. You may. For example, for users with unmarried attributes or users without children, the subject area "advanced children" can be suppressed from display or not selectable by the user. Can be grayed out. This is because a user having an unmarried attribute or a user having no child attribute is not interested in preparing for the entrance of a child and is less likely to design insurance. For example, for a user with an unmarried attribute, the subject area "life of a family" may not be displayed or may be grayed out so that the user cannot select it. This is because a user having an unmarried attribute is not interested in preparing for a family life and is less likely to design insurance. For example, for a user whose annual income is 2 million yen or less, some target fields such as "funeral ceremony" and "life in retirement" can be prevented from being displayed, or cannot be selected by the user. Can be grayed out. This is because users with low annual income are likely to need the minimum insurance. By preliminarily limiting the target fields that can be selected by the user, it is possible to obviate the need for the user to take account of it and to improve the efficiency of insurance design.

  The target field display section 51 includes an ON-OFF toggle switch 56 for each target field. When the ON-OFF toggle switch 56 is ON, the user can select the target field. When the ON-OFF toggle switch 56 is OFF, the user cannot select the target field. The user can switch the ON-OFF toggle switch 56 between ON and OFF. The terminal device may communicate information on whether the ON-OFF toggle switch 56 is ON or OFF to the server device, or may not communicate with the server device. When communicating with the server device, information on whether the ON-OFF toggle switch 56 is ON or OFF may be communicated to the server device in real time, or communication with the server device at a predetermined timing or with the server device becomes possible. May be communicated to the server device. When not communicating with the server device, the processing related to the ON-OFF toggle switch 56 is completed in the terminal device. The user can exclude the target field from the design target by turning off the ON-OFF toggle switch 56 of the target field not interested in the user in advance. As a result, it is possible to obviate the need for the user to consider a target field that he or she is not interested in, and to make insurance design more efficient. In addition, the user checks the estimated premium of each target field displayed in the target field display section 51 and / or the total of the estimated premium displayed in the approximate premium display section 52 described later, and switches the ON-OFF toggle. By switching ON / OFF of the switch 56, it is possible to examine which target field is to be designed.

  In the example shown in FIG. 1E, “family life”, “funeral, etc.”, “medical care / hospitalization”, and “child advancement” with the ON-OFF toggle switch 56 turned on are selected for insurance design. This is a possible target area. Other target fields for which the ON-OFF toggle switch 56 is turned off cannot be selected.

  The estimated premium display section 52 includes selectable target areas “family life”, “funeral, etc.”, “medical care / hospitalization”, and “advanced children” insurance design. The total charge is displayed. In addition, in the example shown in FIG. 1E, the ratios of the respective premiums of the target fields “family life”, “medical care / hospitalization”, and “child advancement” that can be selected in the pie chart are shown. Embodiments are not limited to this. For example, a bar graph, an area graph, or the like may be used.

  In the target field display section 51, an interest level display section 53 is displayed for each target field. The interest level display section 53 is similar to the interest level display section 53 of the everyone's insurance design display screen 20 in FIG. 1B. For each target field, the degree of interest indicating how many users in the group to which the user belongs is interested in the target field is displayed.

  For example, the target field display section 51 may display a target field in which the degree of interest of the degree of interest display section 53 is less than a predetermined threshold so as not to display or not be selectable by the user in gray. For example, a target field having a degree of interest of less than 50% may not be displayed or may be grayed out so that the user cannot select it. The predetermined threshold may be an arbitrary value, for example, a value that can be set by the user, or a value that is set in advance. By preliminarily restricting the selection of the target field in which the interest level of the other user is low, it is possible to obviate the need for the user to take this into consideration, and to make the insurance design more efficient.

  For example, on the insurance design home screen 50 shown in FIG. 1E, a plurality of target fields in the target field display section 51 may be rearranged and displayed. The plurality of target fields in the target field display section 51 can be displayed, for example, by rearranging them in descending order of interest in the interest display section 53. Thereby, the target field in which the degree of interest of another user is higher can be made more noticeable to the user, and the insurance design home screen 50 can be easier to use for the user.

  Note that, in the example shown in FIG. 1E, gray display has been described so that the user cannot make a selection, but the display mode is not limited to this. Any display method can be used as long as it cannot be selected by the user. For example, the target field that cannot be selected by the user may be displayed in a color different from the others such as red, the target field that cannot be selected by the user may be displayed by being surrounded by a broken line, Non-selectable target fields may be displayed blinking.

  In the insurance design home screen 50 shown in FIG. 1E, when the user selects, for example, the target field “funeral etc.”, the insurance design screen 60 shown in FIG. 1F is displayed in a pop-up manner. Insurance design for the target field "funeral ceremony etc."

  FIG. 1F shows an example of the insurance design screen 60 of the insurance design application.

  Although the insurance design screen 60 in FIG. 1F is shown to be longer than the initial screen 10 in FIG. 1A, the insurance design screen 60 may be adjusted in size according to the size of the display unit of the terminal device, for example. Then, a part of the insurance design screen 60 may be displayed on the display unit of the terminal device. When a part of the insurance design screen 60 is displayed on the display unit of the terminal device, the user can browse the entire insurance design screen 60 by scrolling the screen.

  On the insurance design screen 60, a question 61 for performing an insurance design for the target field "funeral ceremony etc." is displayed, and the question 61 is answered in the answer section 62 by selecting either A or B. ing. In response to the answer to the question 61, it is determined how much premium the user needs in the subject area, and the approximate premium displayed in the approximate premium display section 64 fluctuates. In this manner, the user can design the insurance only by answering the question 61.

  For each question 61, an everyone's answer display section 63 is displayed. The everyone's answer display section 63 displays results of answers to the questions by other users in the group to which the user belongs. For example, in the insurance design screen 60 of FIG. 1F, in a group to which a person having the attribute of "male, 30 years old, married (with children)" belongs, "How do you want to see off when your family dies? 28% of users answered "A. Family funeral only for close relatives" and 72% answered "B. Funeral in which friends and acquaintances also attend." ing. This allows the user to know how other users answered the same question, and to refer to his or her insurance design.

  For example, if you answer "B. Funeral with friends and acquaintances" to the question "How would you like to see if your family died?" It is determined that the yen increases, and the estimated premium displayed in the estimated premium display section 64 increases by 5,000 yen. Furthermore, if "B. Funeral with friends and acquaintances" is answered, a balloon of "+5,000 yen" is displayed above the answer section 62 of "B. Funeral with friends and acquaintances". Is also good. This allows the user to immediately know that an increase in insurance premium of "5,000 yen" is necessary to realize "B. Funeral in which friends and acquaintances also attend". That is, the user can immediately know the cost-effectiveness of the answer in insurance design. This allows the user to design insurance while considering cost-effectiveness.

  In the example illustrated in FIG. 1F, the answer to the question is given in two choices. However, the number of choices is not limited to this, and an arbitrary number of choices may exist. The smaller the number of options, the less the burden on the user during insurance design can be reduced, while the larger the number of options, the more detailed the insurance design can be performed by the user. For example, the number of options may be changed according to a user attribute and / or profile. For example, the number of options may be increased for a user who has an existing insurance product under subscription. This is because a user who has an existing insurance product that is subscribed is likely to be interested in insurance and want to make a more detailed insurance design. For example, the number of options may be reduced for a user who does not have an existing insurance product under subscription. This is because a user who does not have an existing insurance product is not interested in insurance and is likely to want to easily design insurance. For example, the number of options may be reduced for a user whose annual income is 2,000,000 yen or less. Users with low annual income are more likely to not have enough resources to design insurance in detail.

  In the example illustrated in FIG. 1F, it has been described that the answer result of everyone is displayed in the everyone answer display section 63 in the percentage display, but the display mode is not limited to this. For example, the number of respondents may be displayed.

  When the insurance design is completed, a check mark is displayed on the target field in the target field display section 51 of FIG. 1E. Thus, it is possible to easily and visually grasp which target field has been designed. The example illustrated in FIG. 1E indicates that the insurance design has been completed for “family life” and “medical care / hospitalization” among the selectable target fields.

  When the insurance design in all selectable target fields is completed and the button 54 of the insurance design home screen 50 in FIG. 1E is selected, the screen transits to the insurance design confirmation screen 70 in FIG. 1G.

  FIG. 1G is an example of the insurance design confirmation screen 70 of the insurance design application.

  Although the insurance design confirmation screen 70 of FIG. 1G is shown to be longer than the initial screen 10 of FIG. 1A, the insurance design confirmation screen 70 is adjusted in size according to, for example, the size of the display unit of the terminal device. Alternatively, a part of the insurance design confirmation screen 70 may be displayed on the display unit of the terminal device. When a part of the insurance design confirmation screen 70 is displayed on the display unit of the terminal device, the user can browse the entire insurance design confirmation screen 70 by scrolling the screen.

  The insurance design confirmation screen 70 includes an approximate insurance premium display section 71, an insurance design detailed display section 72, and a button 73 for pop-up displaying a detailed display screen 80 described later.

  The estimated premium display section 71 displays the total estimated premium calculated based on the result of the insurance design of each target field.

  In the insurance design details display section 72 for each target field, when the user selects the 詳細 button, the details of the insurance design for the target field are displayed. In the example shown in FIG. 1G, details of the insurance design of the target field “life of a family” are displayed. For example, the insurance amount (80,000 yen) and the insurance period (up to the age of 64) are displayed as the basis of the insurance premium (1,640 yen / month) for the target field "life of family".

  The user can check the insurance amount and the insurance period required for the user on the insurance design confirmation screen 70, and how much the monthly insurance premium is required for an insurance product satisfying the insurance amount and the insurance period. Can also be confirmed.

  When the button 73 is selected in each target field, a detailed display screen 80 for displaying further details of the insurance design of the target field is displayed in a pop-up.

  FIG. 1H shows an example of a detailed display screen 80 of the insurance design application.

  On the detailed display screen 80, further details of the insurance design details displayed in the insurance design details display section 72 of the insurance design confirmation screen 70 are displayed. For example, details of the balance are displayed to show the basis of the insurance amount in the insurance design. For example, the basis of the insurance amount of 80,000 yen / month indicates that the balance after death was calculated to be -80,000 yen per month. For example, a question presented to the user and the user's answer to the question are displayed to show the basis of the insurance period in the insurance design. For example, the basis for the insurance period up to 64 years is that the user replied, "Up to 64 years old" in response to the question "How long do you need to work to support the life of the family?" Is shown.

  The user can confirm the necessary insurance amount and the basis of the insurance period presented on the insurance design confirmation screen 70 on the detailed display screen 80. As a result, the user can be convinced of the insurance amount, insurance period, and insurance amount necessary for the user presented on the insurance design confirmation screen 70.

  In this way, the user can know what the insurance design required for him is, and can also obtain the basis for it. You can subscribe to insurance products.

  In the example illustrated in FIGS. 1A to 1G, it has been described that the screen changes by inputting an attribute by the user on the initial screen 10 illustrated in FIG. 1A, and the user can perform the insurance design. It is not mandatory to enter attributes. It is also within the scope of the present invention to allow a user to design an insurance without the user inputting attributes. At this time, for example, the group to which the user belongs may be regarded as the group to which all users belong, and the degree of interest in each target field may be determined.

  The insurance design application is realized by a computer system for insurance design described below.

2. Configuration of Computer System for Insurance Design FIG. 2 shows an example of the configuration of a computer system 1000 for insurance design.

  The computer system 1000 includes at least one terminal device 200, a server device 300 connected to the at least one terminal device 200 via a network 500, and a database unit 400 connected to the server device 300.

  The terminal device 200 can be any terminal device such as a smartphone, a tablet, and a personal computer. The terminal device 200 may be a terminal device used by a user. The terminal device 200 can communicate with the server device 300 via the network 500. Here, the type of the network 500 does not matter. For example, the terminal device 200 may communicate with the server device 300 via the Internet, or may communicate with the server device 300 via a LAN. Although three terminal devices 200 are depicted in FIG. 2, the number of terminal devices 200 is not limited to this. The number of the terminal devices 200 can be one or more arbitrary numbers.

  The server device 300 can communicate with at least one terminal device 200 via the network 500. For example, the server device 300 can acquire information on insurance design of all users from the database unit 400 connected to the server device 300, and transmit the acquired information to at least one terminal device 200. For example, the server device 300 can transmit information on the insurance design received from at least one terminal device 200 to the database unit 400.

  The database unit 400 connected to the server device 300 stores, for example, information on user attributes and insurance design, information on user interest levels, purchase history information on insurance products by each user, and the like. The attributes of the user may be the user's age, gender, marriage or singleness, presence of children, and the like. The information on insurance design includes, for example, information indicating which of the plurality of insurance target fields has been subjected to insurance design. The information on the degree of interest of the user may include, for example, the degree of interest calculated from purchase history information of the insurance product by each user, and may include, for example, a result of a questionnaire regarding each target field performed in advance. The database unit 400 can be implemented by any storage means.

  FIG. 3A illustrates an example of a configuration of the terminal device 200.

  The terminal device 200 includes a communication interface unit 210, an input unit 220, a display unit 230, a memory unit 240, and a processor unit 250.

  The communication interface unit 210 controls communication via the network 500. The processor unit 250 of the terminal device 200 can receive information from the outside of the terminal device 200 via the communication interface unit 210, and can transmit information to the outside of the terminal device 200. The communication interface unit 210 can control communication by an arbitrary method.

  The input unit 220 enables information from a user to be input to the terminal device 200. The input unit 220 allows the user to input, for example, user attributes, profiles, answers to questions, and the like to the terminal device 200. It does not matter in what form the input unit 220 can input information from the user to the terminal device 200. For example, when the input unit 220 is a touch panel, the user may input information by touching the touch panel. Alternatively, when the input unit 220 is a mouse, the user may input information by operating the mouse. Alternatively, when the input unit 220 is a keyboard, the user may input information by pressing a key on the keyboard. Alternatively, when the input unit 220 is a microphone, the user may input information by inputting voice to the microphone.

  Display unit 230 may be any display for displaying information. The display unit 230 can display a screen as shown in FIGS. 1A to 1H.

  The memory unit 240 stores a program for executing processing in the terminal device 200, data necessary for executing the program, and the like. The memory unit 240 stores, for example, a part or all of a program for insurance design (for example, a program for realizing a process shown in FIG. 5 described later). The memory unit 240 may store an application that implements an arbitrary function. Here, it does not matter how the program is stored in the memory unit 240. For example, the program may be preinstalled in the memory unit 240. Alternatively, the program may be installed in the memory unit 240 by being downloaded via the network 500. The memory unit 240 can be implemented by any storage means.

  The processor unit 250 controls the operation of the terminal device 200 as a whole. The processor unit 250 reads out a program stored in the memory unit 240 and executes the program. This allows the terminal device 200 to function as a device that executes a desired step. The processor unit 250 may be implemented by a single processor, or may be implemented by a plurality of processors.

  In the example shown in FIG. 3A, each component of the terminal device 200 is provided in the terminal device 200, but the present invention is not limited to this. Any of the components of the terminal device 200 may be provided outside the terminal device 200. For example, when each of the input unit 220, the display unit 230, the memory unit 240, and the processor unit 250 is configured by separate hardware components, each hardware component may be connected via an arbitrary network. . At this time, the type of network does not matter. Each hardware component may be connected, for example, via a LAN, may be connected wirelessly, or may be connected by wire.

  FIG. 3B shows an example of the configuration of the server device 300.

  The server device 300 includes a communication interface unit 310, a memory unit 320, and a processor unit 330.

  The communication interface unit 310 controls communication via the network 500. The communication interface unit 310 also controls communication with the database unit 400. The processor unit 330 of the server device 300 can receive information from outside the server device 300 via the communication interface unit 310, and can transmit information to the outside of the server device 300. Communication interface section 310 can control communication in any manner.

  The memory unit 320 stores a program required for executing the processing of the server device 300, data required for executing the program, and the like. For example, a part or all of a program for insurance design (for example, a program for realizing the processing shown in FIG. 5 described later) is stored. The memory unit 320 can be implemented by any storage means.

  The processor unit 330 controls the operation of the server device 300 as a whole. The processor unit 330 reads out a program stored in the memory unit 320 and executes the program. This allows the server device 300 to function as a device that executes a desired step. The processor unit 330 may be implemented by a single processor, or may be implemented by a plurality of processors.

  In the example shown in FIG. 3B, each component of the server device 300 is provided in the server device 300, but the present invention is not limited to this. Any of the components of the server device 300 may be provided outside the server device 300. For example, when each of the memory unit 320 and the processor unit 330 is configured by different hardware components, each hardware component may be connected via an arbitrary network. At this time, the type of network does not matter. Each hardware component may be connected, for example, via a LAN, may be connected wirelessly, or may be connected by wire.

  FIG. 4 shows an example of a data configuration of information that can be stored in the database unit 400.

  The database unit 400 stores information on user attributes and insurance design for each user. For example, for AAA, the attribute of (male, 30 years old, married, no children) and the information that insurance design has been performed for the target fields of "family life", "medical care / hospitalization", and "old life" Store and store the attribute of BBB (male, 45 years old, unmarried, no children) and the information that insurance design was performed for the target fields of "funeral, etc." For CCC, the attribute of (woman, 27 years old, married, 2 children) and the information that insurance design was performed for the target fields of "family life" and "advancement of children" can be stored. . The database unit 400 can also store, for example, information on the time at which each user made an insurance design.

  The database section 400 can store a user profile for each user in addition to the above information.

  The data stored in the database unit 400 can be used to extract a group having a specific attribute and determine the tendency of the group. For example, the data stored in the database unit 400 can be used to determine the proportion of users who are interested in each target field among users belonging to the group. At this time, the group may be a group to which at least one person having the same attribute belongs, for example, a group to which men belong, a group to which women aged 30 to 39 belong, a group to which unmarried men belong, and the like. obtain.

  The data stored in the database unit 400 can be used to extract a group having a specific profile and determine the tendency of the group. For example, the data stored in the database unit 400 can be used to determine the proportion of users who are interested in each target field among users belonging to the group. At this time, the group may be a group to which at least one person having the same profile belongs. For example, a group to which a person with an annual income of 10 million yen or more belongs, or a household with an annual income of 5 million yen to 6 million yen. It may be a group to which a person belongs, a group to which a person having a 3-year-old child and a 1-year-old child belongs, or the like.

  The data stored in the database unit 400 can be used to extract a group having a specific attribute and profile and determine the tendency of the group. For example, the data stored in the database unit 400 can be used to determine the proportion of users who are interested in each target field among users belonging to the group. At this time, the group may be a group to which at least one person having the same attribute and profile belongs, for example, a group to which a man with an annual income of 10 million yen or more belongs, or a homeowner who has an annual income of 5 million yen to 6 million yen. There may be a group to which a certain 30-year-old woman belongs, a group to which a man in his 40s with a 3-year-old child and a 1-year-old child belongs.

  In the examples shown in FIGS. 2 and 3B, the database unit 400 is provided outside the server device 300, but the present invention is not limited to this. The database unit 400 can be provided inside the server device 300. At this time, the database unit 400 may be implemented by the same storage unit that implements the memory unit 320, or may be implemented by a storage unit that is different from the storage unit that implements the memory unit 320. In any case, the database unit 400 is configured as a storage unit for the server device 300. The configuration of the database unit 400 is not limited to a specific hardware configuration. For example, the database unit 400 may be configured by a single hardware component, or may be configured by a plurality of hardware components. For example, the database unit 400 may be configured as an external hard disk device of the server device 300, or may be configured as a storage on a cloud connected via the network 500.

3. Process in Computer System for Insurance Design FIG. 5 shows an example of a process 500 for insurance design performed in the computer system 1000 for insurance design. In the example illustrated in FIG. 5, an example in which each step of the insurance design processing is executed in the terminal device 200, that is, a case where the insurance design application is an application executed on the terminal device 200 will be described. The insurance design application may be an online application that is executed in a situation where communication with the server device is possible, or may be an offline application that is executed even in a situation where communication with the server device is impossible. In the case of an online application, data may be always exchanged with the server device, or data may be exchanged with the server device at a predetermined timing or when a user operation is performed. In the case of an offline application, for example, when communication with the server device becomes possible, data is exchanged with the server device.

  When the insurance design application is activated, in step S501, the processor unit 250 of the terminal device 200 allows the user to input information on the target field of the insurance product. This is enabled by, for example, displaying the target field display section 51 of the insurance design home screen 50 of FIG. This is because the target field display section 51 can be selected by the user, and by selecting the target field display section 51, the user can input information on the target field of selecting the target field.

  At this time, for example, the display unit 230 may display a plurality of target fields of insurance products that can be designed by the user. A plurality of target fields of insurance products that can be designed by the user include, for example, “family life” in which insurance (eg, life insurance) for self-preparation can be classified, and self-preparation when self disappears. Insurance (eg, whole life insurance) can be classified as “funeral etc.”, Insurance for preparing for illness or injury (eg, medical insurance) can be classified as “medical / hospitalization”, illness or injury Insurance for the preparation of disability (eg, income security insurance, income compensation insurance) can be classified as “work-disabled”, and insurance for preparation for illness or injury (eg, nursing care insurance) can be classified as “need-care” Insurance for preparing for future life (eg, endowment insurance) may be categorized as “retirement life”, and insurance for preparing for future life (eg, school insurance) may be categorized as “advancement of children” Including but not limited to . A plurality of target fields of the insurance product that can be designed by the user may be displayed, for example, as the target field display section 51 of the insurance design home screen 50 of FIG. 1E described above.

  In step S502, the processor unit 250 of the terminal device 200 displays, on the display unit 230, information about another user regarding the target field of the insurance product. The information about other users regarding the target field of the insurance product may be, for example, an interest level indicating how much interest other users have in the target field. The information may indicate what kind of insurance design has been performed in the field, or may be, for example, information indicating when another user has performed insurance designing in the target field.

  For example, the processor unit 250 of the terminal device 200 displays on the display unit 230 the degree of interest of another user in each target field. By displaying the degree of interest of other users in each target area, the user can know how much other users are interested in each target area, and can refer to their own insurance design Yes, so that the user can be convinced to make an insurance design.

  For example, the processor unit 250 of the terminal device 200 may rearrange the plurality of target fields of the insurance product in the descending order of the interest level of other users and display the rearranged insurance products on the display unit 230. Accordingly, the target field having a higher degree of interest of another user can be more noticeable to the user, and the user interface displayed on the display unit 230 can be easier for the user to use.

  For example, the interest level of another user may be received from the server device 300 via the network 500 and updated at a predetermined timing or when a user operation is performed, or the insurance design application is activated. The information may be received in advance at a point in time and may not be updated thereafter.

  The degree of interest of other users in each target area may be displayed by, for example, the number of users interested in each target area, or may be displayed by a ratio of users interested in each target area. Good. The user who is interested in each target field may be, for example, a user who has input for each target field, for example, a user who has designed insurance for each target field. The ratio may be, for example, a ratio of users who are interested in the target field in the group to which the user belongs, and may be, for example, a ratio of users who have input for the target field in the group to which the user belongs. May be the proportion of users in the population to which insurance design for the subject field has been performed. The degree of interest of another user in each target field may be based on, for example, a result of a questionnaire regarding each target field, which was previously performed in a group to which the user belongs. Here, the group to which the user belongs may be a group to which all users belong, and preferably a group to which a person having the same attribute and / or profile as the user belongs. This is because the other users of the group to which the person having the same attribute and / or profile as the user belongs are more likely to be in a situation similar to the user, and the usefulness of the interest level increases.

  When utilizing the interest level of a group to which a person having the same attribute and / or profile as the user belongs, before step S501, the processor unit 250 of the terminal device 200 transmits the user attribute input via the input unit 220. And / or receiving a profile S501 '.

  The interest level of other users in each target area may be displayed, for example, as the interest level display section 53 of the insurance design home screen 50 of FIG. 1E described above. For example, the degree of interest may be displayed in a pie chart together with the percentage display, a bar graph, or an area graph. The manner of displaying the degree of interest does not matter. For example, the degree of interest may be displayed in real time, or a degree of interest in the past (for example, one minute ago, 10 minutes ago, one hour ago, one day ago, etc.) may be displayed.

  The processor unit 250 of the terminal device 200 may display, for example, a time-series change in information (for example, the degree of interest) about another user regarding the target field of the insurance product on the display unit 230. For example, the time-series change in the degree of interest may be displayed using a graph such as a line graph, a bar graph, or an area graph, or may be displayed using a table. For example, by displaying a time-series change in the degree of interest, it is possible to confirm whether the degree of interest is increasing or decreasing.

  For example, the processor unit 250 of the terminal device 200 may control whether or not the user can input information in the additional step S503. This can be achieved, for example, by switching between a state where user selection for a predetermined target field is possible and a state where user selection is not possible. The state in which the user cannot be selected is, for example, a state in which a predetermined target field is displayed so that the user cannot be selected. Displaying the predetermined target field so that the user cannot select it includes not displaying the predetermined target field. Displaying a predetermined target field so that it is not user-selectable includes, for example, displaying the target field in a manner different from other target fields so as to clearly indicate that the target field is not user-selectable. . Displaying in a different mode includes, for example, displaying in gray, displaying in red, enclosing with a broken line, blinking, and the like, but is not limited thereto. By preliminarily limiting the target fields that can be selected by the user, it is possible to obviate the need for the user to take account of it and to improve the efficiency of insurance design.

  The predetermined target field in which user selection is not possible (for example, displayed as being not user selectable) can be determined by, for example, the processor unit 250, and additionally or alternatively. , Can be determined by the user. When determined by the processor unit 250, the predetermined target field may be, for example, a target field whose interest level is less than a predetermined threshold. The predetermined threshold may be, for example, 100, 500, 1000, 5000, or the like, or may be, for example, 30%, 40%, 50%, 60%, or the like. Preferably, it may be 50%. This is because it is considered that there is a low possibility that the user will attempt to design insurance for a target field in which only a majority of the people are interested. By preliminarily restricting the selection of the target field in which the interest level of the other user is low, it is possible to obviate the need for the user to take this into consideration, and to make the insurance design more efficient.

  When the predetermined target field in a state where the user cannot be selected is determined by the processor unit 250, the predetermined target field is determined according to, for example, the attribute and / or profile of the user received in step S501 ′. . For example, for a user having an attribute of being unmarried or a user having an attribute of having no children, the predetermined target field is determined to be "advancement of children". This is because a user having an unmarried attribute or a user having no child attribute is not interested in preparing for the entrance of a child and is less likely to design insurance. For example, for a user having an unmarried attribute, the predetermined target field is determined to be “family life”. This is because a user having an unmarried attribute is not interested in preparing for a family life and is less likely to design insurance. For example, for a user whose annual income is 2,000,000 yen or less, the predetermined target fields are determined to be “funeral service” and “life in old age”. This is because users with low annual income are likely to need the minimum insurance. By preliminarily restricting the selection of the target field according to the user's attribute and / or profile, it is possible to obviate the need for the user to take account of it and to improve the efficiency of insurance design.

  When the predetermined target field in a state where the user cannot be selected is determined by the user, the predetermined target field may be input from the user via the input unit 220. For example, by turning off the ON-OFF toggle switch 56 of the insurance design home screen 50 of FIG. 1E described above, a predetermined target field that should be in a state where user selection is impossible can be input. When the ON-OFF toggle switch 56 is turned off, the target field cannot be selected. Conversely, when the ON-OFF toggle switch 56 is turned ON, the target field can be selected. By restricting the selection of a target field in which the user is not interested in advance, it is possible to obviate the need for the user to consider the various fields beforehand and to improve the efficiency of insurance design. At this time, the user can also switch the ON-OFF toggle switch 56 that has been turned OFF to ON, and the user can check the approximate insurance premium and / or the total of the approximate insurance premium for each target field while checking which one. It is possible to consider whether the target field is to be designed.

  At this time, the processor unit 250 of the terminal device 200 may transmit information to the server device 300 whether the ON-OFF toggle switch 56 is ON or OFF. Thereby, the server device 300 grasps whether the user is interested or not in the target field based on the information whether the ON-OFF toggle switch 56 is ON or OFF. Becomes possible. Information on whether the ON-OFF toggle switch 56 is ON or OFF can be used for calculating the degree of interest displayed to other users. The processor unit 250 of the terminal device 200 may communicate information on whether the ON-OFF toggle switch 56 is ON or OFF to the server device 300 in real time, or may communicate at a predetermined timing or with the server device 300. May be communicated to the server device 300 when.

  When the selection input of the target field for the insurance design by the user is received via the input unit 220, the processor unit 250 of the terminal device 200 causes the user to input information in the target field selected by the user (for example, insurance). Design). The insurance design can be performed by, for example, displaying the insurance design screen 60 of FIG. In insurance design, the processor unit 250 determines how much premium is required in the target field.

  Enabling input of information includes, for example, the processor unit 250 of the terminal device 200 displaying a question for the user on the display unit 230. For example, it may be displayed as the question 61 on the insurance design screen 60 in FIG. 1F described above. At this time, the processor unit 250 of the terminal device 200 also displays, on the display unit 230, the answer result of another user to the question. For example, it may be displayed as the above-mentioned everyone's answer display section 63 of the insurance design screen 60 of FIG. 1F described above. As a result, the user can know how other users answered the same question, and can input information with reference to the answer. For example, the user can refer to the answer result of another user in his insurance design.

  The processor unit 250 of the terminal device 200 receives the result of the user's response to the question via the input unit 220, and determines the insurance premium required for the user based on the result of the response. When there are a plurality of questions, the insurance premium necessary for the user is determined based on the result of answering each question. Thereby, insurance design is completed. The premium determined by the insurance design may be displayed, for example, in the approximate premium display section 64 of the insurance design screen 60 of FIG. 1F or the target area display section 51 of the insurance design home screen 50 of FIG. Be presented.

  For example, in response to receiving the user's answer to the question via the input unit 220, the processor unit 250 of the terminal device 200 displays, on the display unit 230, a change in the insurance premium according to the answer result. You may do so. The change in the insurance premium may be displayed, for example, near the answer section 62 of the insurance design screen 60 in FIG. 1F described above, for example, above. As soon as the user enters the answer, the change in the premium according to the answer is displayed, so that the user can immediately know the cost-effectiveness of the answer in the insurance design, Insurance design can be performed while considering cost effectiveness.

  For example, information on the completed insurance design is transmitted to the server device 300 and stored in the database unit 400, and is used for calculating the degree of interest displayed when another user performs insurance design.

  In the example described above, an example in which each step of the process 500 for insurance design is executed in the terminal device 200 has been described, but the present invention is not limited to this. Each step of the process 500 for insurance design can be executed by another information processing device including a processor unit. For example, each step of the process 500 for insurance design can be executed by the processor unit 330 of the server device 300. This is the case, for example, when the insurance design application is a web application executed on the server device 300.

  In this case, when the web application is activated, in step S501, the processor unit 330 of the server device 300 enables the user to input information on the target field of the insurance product. This is made possible, for example, by transmitting information to the terminal device 200 via the network 500 and causing the display unit 230 to display the target field display section 51 of the insurance design home screen 50 of FIG. 1E described above. . This is because the target field display section 51 can be selected by the user, and by selecting the target field display section 51, the user can input information on the target field of selecting the target field. Information regarding the target field of the insurance product input by the user is transmitted from the terminal device 200 to the server device 300, and the processor unit 330 of the server device 300 receives the information via the communication interface 310.

  At this time, for example, the processor unit 330 of the server device 300 transmits information to the terminal device 200 via the network 500, and displays a plurality of target fields of the insurance product that can be designed by the user on the display unit 230 of the terminal device 200. Display.

  In step S <b> 502, the processor unit 330 of the server device 300 transmits, to the terminal device 200, information about another user regarding the target field of the insurance product via the network 500. The transmitted degree of interest of the other user is displayed on the display unit 230 of the terminal device 200.

  The processor unit 330 of the server device 300 may transmit information to the terminal device 200 via the network 500 to enable the user to design insurance in a target field selected by the user. The insurance design can be performed, for example, by displaying the above-described insurance design screen 60 in FIG. 1F on the display unit 230 of the terminal device 200. In insurance design, the processor unit 330 determines how much premium is required in the target field. The result of the insurance design is displayed on the display unit 230 of the terminal device 200. When the user performs insurance design, the processor unit 330 of the server device 300 receives the insurance design result from the terminal device 200 via the network 500.

  Even when the insurance design application is a web application executed on the server device 300, the process for insurance design is performed similarly to the case where the insurance design application is an application executed on the terminal device 200. be able to.

  In the example described above, the financial product is an insurance product, and the case where the user designs the insurance using the computer system 1000 has been described as an example, but the present invention is not limited to this. Computer systems for operational design of financial products including insurance products are also within the scope of the present invention.

  The computer system for financial product operation design can perform the process for financial product operation design by the same processing as the computer system 1000, for example, the processing shown in FIG. Hereinafter, a case where the financial product is a product group handled in a financial transaction will be described as an example.

  In step S501, the processor unit 250 of the terminal device 200 enables a user to input information on a target field of a financial product. This is enabled by, for example, displaying a section that displays the target field of the financial product on the display unit 230, such as the target field display section 51 of the insurance design home screen 50 in FIG. 1E described above. This is because such a section can be selected by the user, and by selecting such a section, the user can input information on the target field of selecting the target field.

  At this time, for example, the display unit 230 may display a plurality of target fields of a financial product that can be operated and designed by the user. The plurality of target fields of financial products that can be designed by the user include, for example, fields in which financial products (for example, deposits and stocks) for short-term management can be classified, and financial products for medium-term management (eg, , Investment trusts, foreign exchange), financial products for long-term management (eg, insurance products), financial products for high-risk, high-return management (eg, stocks) , Financial instruments for the management of middle risk middle returns (eg, mutual funds, foreign exchange), and financial instruments for the management of low risk low returns (eg, insurance products) Including, but not limited to, the fields in which

  In step S502, the processor unit 250 of the terminal device 200 displays, on the display unit 230, information about another user regarding the target field of the financial product. The information about other users regarding the target field of the financial product may be, for example, an interest level indicating how much interest other users have in the target field, or, for example, the other user may be interested in the target field. The information may indicate what kind of operation design was performed in the field, or may be, for example, information indicating when another user performed the operation design in the target field.

  For example, the processor unit 250 of the terminal device 200 displays on the display unit 230 the degree of interest of another user in each target field. By displaying the degree of interest of other users in each target area, users can know how much other users are interested in each target area and can refer to their own operation design. This allows the user to understand and design the operation.

  For example, the processor unit 250 of the terminal device 200 may rearrange the plurality of target fields of the financial product in the descending order of the degree of interest of the other users and display the sorted fields on the display unit 230. Accordingly, the target field having a higher degree of interest of another user can be more noticeable to the user, and the user interface displayed on the display unit 230 can be easier for the user to use.

  The degree of interest of other users in each target area may be displayed by, for example, the number of users interested in each target area, or may be displayed by a ratio of users interested in each target area. Good. The degree of interest of other users in each target field may be, for example, a user who has input for each target field, for example, a user who has performed an operation design of each target field. The ratio may be, for example, a ratio of users who are interested in the target field in the group to which the user belongs, and may be, for example, a ratio of users who have input for the target field in the group to which the user belongs. May be the ratio of users who have performed operation design of the target field in the group to which the user belongs. The degree of interest of other users in each target field may be based on, for example, a result of a questionnaire on each target field, which was previously performed in a group to which the user belongs. Here, the group to which the user belongs may be a group to which all users belong, and preferably a group to which a person having the same attribute and / or profile as the user belongs. This is because the other users of the group to which the person having the same attribute and / or profile as the user belongs are more likely to be in a situation similar to the user, and the usefulness of the interest level increases.

  When utilizing the interest level of a group to which a person having the same attribute and / or profile as the user belongs, before step S501, the processor unit 250 of the terminal device 200 transmits the user attribute input via the input unit 220. And / or receiving a profile S501 '.

  For example, the degree of interest of other users in each target field may be displayed in a pie chart with a percentage display, a bar graph, or an area graph. The manner of displaying the degree of interest does not matter. For example, the degree of interest may be displayed in real time, or a degree of interest in the past (for example, one minute ago, 10 minutes ago, one hour ago, one day ago, etc.) may be displayed.

  The processor unit 250 of the terminal device 200 may display, for example, a time-series change of information (for example, the degree of interest) about another user regarding the target field on the display unit 230. For example, the time-series change in the degree of interest may be displayed using a graph such as a line graph, a bar graph, or an area graph, or may be displayed using a table. By displaying the time series change of the degree of interest, it is possible to confirm whether the degree of interest is increasing or decreasing.

  For example, the processor unit 250 of the terminal device 200 may control whether or not the user can input information in the additional step S503. This can be achieved, for example, by switching between a state where user selection for a predetermined target field is possible and a state where user selection is not possible. The state in which the user cannot be selected is, for example, a state in which a predetermined target field is displayed so that the user cannot be selected. Displaying the predetermined target field so that the user cannot select it includes not displaying the predetermined target field. Displaying a predetermined target field as not being user-selectable includes, for example, displaying the predetermined target field in a manner different from other target fields so as to clearly indicate that the target field is not user-selectable. . Displaying in a different mode includes, for example, displaying in gray, displaying in red, enclosing with a broken line, blinking, and the like, but is not limited thereto. By restricting the target fields that can be selected by the user in advance, it is possible to obviate the need for the user to consider the various fields beforehand and to improve the operational design.

  The predetermined target field in which user selection is not possible (for example, displayed as being not user selectable) can be determined by, for example, the processor unit 250, and additionally or alternatively. , Can be determined by the user. When determined by the processor unit 250, the predetermined target field may be, for example, a target field whose interest level is less than a predetermined threshold. The predetermined threshold may be, for example, 100, 500, 1000, 5000, or the like, or may be, for example, 30%, 40%, 50%, 60%, or the like. Preferably, it may be 50%. This is because it is considered that there is a low possibility that the user will try to design an operation for a target field in which only a minority is interested. By restricting the selection of the target field in which the interest level of the other user is low in advance, it is possible to obviate the need for the user to consider it and to improve the operational design.

  When the predetermined target field in a state where the user cannot be selected is determined by the processor unit 250, the predetermined target field is determined according to, for example, the attribute and / or profile of the user received in step S501 ′. . For example, for a user having an attribute of age 70s, the predetermined target field is determined to be a field in which financial products for long-term management can be classified. This is because it is considered that there is not enough time left for a user having the attribute of the 70s to perform long-term operation, and the possibility of performing operation design is low. For example, for users with an annual income of 2 million yen or less, the predetermined target fields are fields in which financial products for high-risk high-return management can be classified, and financial products for middle-risk middle-return management. Is determined to be an area that can be classified. This is because a user with an annual income of 2 million yen or less cannot afford to operate a high-risk high-return or a middle-risk middle-return, and is unlikely to design an operation. By restricting the selection of the target field in advance according to the attributes and / or profiles of the user, it is possible to obviate the need for the user to consider it and to improve the operational design.

  When the predetermined target field in a state where the user cannot be selected is determined by the user, the predetermined target field may be input from the user via the input unit 220. For example, by turning off an ON-OFF toggle switch that can be displayed on the screen, a predetermined target field that should be disabled by the user can be input. When the ON-OFF toggle switch that can be displayed on the screen is turned off, the target field cannot be selected. Conversely, when the ON-OFF toggle switch that can be displayed on the screen is turned ON, the target field can be selected. By restricting the selection of a target field that the user is not interested in in advance, it is possible to obviate the need for the user to consider this in advance, and to improve the operational design. At this time, the user can also switch the ON-OFF toggle switch that has been turned OFF to ON, and the user can check which target field is being checked while checking the estimated amount and / or the total estimated amount of each target field. It is possible to consider whether it is an operation design target.

  At this time, the processor unit 250 of the terminal device 200 may transmit information on whether the ON-OFF toggle switch is ON or OFF to the server device 300. Thereby, the server device 300 can grasp whether the user is interested or not interested in the target field based on the information whether the ON-OFF toggle switch is ON or OFF. Will be possible. Information on whether the ON-OFF toggle switch is ON or OFF can be used for calculating the degree of interest displayed to other users. The processor unit 250 of the terminal device 200 may communicate information on whether the ON-OFF toggle switch is ON or OFF to the server device 300 in real time, or may communicate with the server device 300 at a predetermined timing or at a predetermined timing. When that happens, it may communicate with the server device 300.

  When a selection input of a target field for operation design by the user is received via the input unit 220, the processor unit 250 of the terminal device 200 causes the user to input information in the target field selected by the user (for example, operation design). To do). The operation design can be performed by, for example, displaying a screen for the operation design on the display unit 230. In the operation design, the processor unit 250 determines how much money is required to trade financial instruments and manage assets in the target field. The determined amount may be a necessary amount by dividing (for example, a monthly necessary amount), or may be a necessary amount collectively.

  Allowing input of information includes, for example, the processor unit 250 of the terminal device 200 displaying a question for the user on the display unit 230. At this time, the processor unit 250 of the terminal device 200 also displays, on the display unit 230, the answer result of another user to the question. As a result, the user can know how other users answered the same question, and can input information with reference to the answer. For example, a user can use the answer result of another user as a reference for his own operation design.

  The processor unit 250 of the terminal device 200 receives the result of the user's answer to the question via the input unit 220, and determines the amount required for the user based on the answer result. When there are a plurality of questions, the amount necessary for the user is determined based on the result of answering each question. Thereby, the operation design is completed. The amount determined by the operation design is displayed on the display unit 230 and presented to the user.

  For example, the processor unit 250 of the terminal device 200 responds to the reception of the user's answer to the question via the input unit 220, and displays the amount of change in the amount of money required for the user according to the answer result on the display unit 230. May be displayed. The change in the amount of money required by the user is displayed as soon as the user inputs the answer result, and the change in the amount of money required by the user according to the answer result is displayed. The effect can be immediately known, and the user can perform the operation design while considering the cost effect.

  For example, the information on the completed operation design is transmitted to the server device 300 and stored in the database unit 400, and is used for calculating the degree of interest displayed when another user performs the operation design.

  In the example described above, an example in which each step of the process 500 for operation design is executed in the terminal device 200 has been described, but the present invention is not limited to this. Each step of the process 500 for operation design can be executed by another information processing device including a processor unit. For example, each step of the process 500 for operation design can be executed by the processor unit 330 of the server device 300. This is the case, for example, when an application for operation design of a financial product is a web application executed on the server device 300.

  In this case, when the web application is activated, in step S501, the processor unit 330 of the server device 300 allows the user to input information on the target field of the financial product. This is, for example, by transmitting information to the terminal device 200 via the network 500 and displaying a section for displaying the target field of the financial product as the target field display section 51 of the insurance design home screen 50 in FIG. 1E described above. This is enabled by displaying it at 230. This is because such a section can be selected by the user, and by selecting such a section, the user can input information on the target field of selecting the target field. Information regarding the target field of the financial product input by the user is transmitted from the terminal device 200 to the server device 300, and the processor unit 330 of the server device 300 receives the information via the communication interface 310.

  At this time, for example, the processor unit 330 of the server device 300 transmits information to the terminal device 200 via the network 500, and displays a plurality of target fields of the financial product that can be operated and designed by the user on the display unit 230 of the terminal device 200. To be displayed.

  In step S <b> 502, the processor unit 330 of the server device 300 transmits, to the terminal device 200, information about another user regarding the target field of the financial product via the network 500. The transmitted degree of interest of the other user is displayed on the display unit 230 of the terminal device 200.

  The processor unit 330 of the server device 300 may transmit information to the terminal device 200 via the network 500 to enable the user to perform an operation design in a target field selected by the user. The operation design can be performed by, for example, displaying a screen such as the insurance design screen 60 in FIG. 1F described above on the display unit 230 of the terminal device 200. In the operation design, the processor 330 determines how much money is required in the target field. The result of the operation design is displayed on the display unit 230 of the terminal device 200. When the user performs the operation design, the processor unit 330 of the server device 300 receives the result of the operation design from the terminal device 200 via the network 500.

  In the example described above, for a plurality of target fields of a financial product, it has been described that the user can input information about the target field and display information about other users related to the target field. It is not limited to. The present invention enables a user to input information on an item of an arbitrary product that is not limited to a financial product, and can display information on another user regarding the item. The product may be, for example, a visible product, preferably an invisible product, and more preferably a financial product such as an insurance product. Financial products such as insurance products make it difficult for others to ask what kind of operation design other people are doing, and it is difficult to refer to what kind of operation design other people are doing. This is because the effect of providing information of another user to support the user's decision making is remarkable.

  The item of the product may be, for example, a target field of the product, or may be, for example, a specification of an individual product. For example, when the product is the above-described financial product, the item of the financial product may be, for example, the target field of the above-described financial product or the specification of the financial product. The specifications of the financial product include, for example, interest rates, yields, operation periods, and the like. When the financial product is an insurance product, the specification of the insurance product includes, for example, a security item, a security period, a premium payment period, a payment method, a payment amount, and the like.

  For example, in step S501, the processor unit 250 of the terminal device 200 enables a user to input information on a product item. This is enabled by, for example, displaying a section for displaying product items on the display unit 230, such as the target field display section 51 of the insurance design home screen 50 in FIG. 1E described above. This is because such a section can be selected by the user, and by selecting such a section, the user can input information on the item of selecting a product item. For example, when the product is a financial product, the processor unit 250 of the terminal device 200 displays “interest rate” instead of “family life” in the target field display section 51 of the insurance design home screen 50 in FIG. Financial product items (e.g., specifications) are displayed instead of each target area, so that "yield" is displayed instead of "funeral etc." and "operation period" is displayed instead of "medical care / hospitalization" Is displayed on the display unit 230. For example, when the product is an insurance product, the processor unit 250 of the terminal device 200 displays “security item” instead of “family life” in the target field display section 51 of the insurance design home screen 50 in FIG. 1E, Items of insurance products (for example, specifications) instead of each target area, so that "security period" is displayed instead of "funeral etc." and "payment method" is displayed instead of "medical care / hospitalization" Is displayed on the display unit 230.

  In step S502, the processor unit 250 of the terminal device 200 displays information on another user regarding the item of the product on the display unit 230. The information about the other user regarding the item of the product may be, for example, an interest level indicating how much interest other users have in the item, and for example, how the other user is in the item. The information may indicate whether the user has performed an input, or may be, for example, information indicating when another user has performed an input on the item.

  The user selects a desired item in order to input an item of a product. When the selection input of the item by the user is received via the input unit 220, the processor unit 250 of the terminal device 200 enables the user to input the item selected by the user. Inputting is, for example, performing operation design when the product is a financial product, and is enabled by displaying a screen for operation design on the display unit 230. For example, when the selected item is “operation period”, in the operation design, the user can determine the “operation period” of the financial product. For example, as in the insurance design screen 60 of FIG. 1F, the “operation period” of the financial product may be determined by allowing the user to answer a question displayed on the display unit 230. The “operation period” of the financial product may be determined by directly inputting a value. For example, when the selected item is the “guarantee period”, the user can determine the “guarantee period” of the insurance product in the operation design. For example, as in the insurance design screen 60 of FIG. 1F, the “guarantee period” of the insurance product may be determined by allowing the user to answer a question displayed on the display unit 230. The “guarantee period” of the insurance product may be determined by directly inputting a value.

  Allowing the input includes, for example, the processor unit 250 of the terminal device 200 displaying a question for the user on the display unit 230, and the processor unit 250 of the terminal device 200 transmits the question to another user for the question. The answer result is also displayed on the display unit 230. As a result, the user can know how other users answered the same question, and can input information with reference to the answer. For example, a user can use the answer result of another user as a reference for his own operation design.

  The processor unit 250 of the terminal device 200 receives the result of the user's answer to the question via the input unit 220, and determines, for example, the specification of the product based on the result of the answer. If there are a plurality of questions, the specifications of the product are determined based on the results of the answers to each of the questions. The determined specifications are displayed on the display unit 230 and presented to the user. The determined specification is transmitted to the server device 300 and stored in the database unit 400, for example, and is used for calculating the degree of interest displayed when another user determines the specification.

  If the product is a financial product, the specifications of the financial product are determined based on the result of answering the question. Thereby, the operation design is completed. The specifications of the financial product determined by the operation design are displayed on the display unit 230 and presented to the user. For example, the information on the completed operation design is transmitted to the server device 300 and stored in the database unit 400, and is used for calculating the degree of interest displayed when another user performs the operation design.

  In the example described above with reference to FIG. 5, it has been described that the processing of each step illustrated in FIG. 5 is realized by the processor unit 250 and the program stored in the memory unit 240. Not limited. At least one of the processes of each step shown in FIG. 5 may be realized by a hardware configuration such as a control circuit.

  The present invention is not limited to the embodiments described above. It is understood that the scope of the present invention should be construed only by the claims. It is understood that those skilled in the art can implement equivalent ranges based on the description of the present invention and common general knowledge from the description of the specific preferred embodiments of the present invention.

  INDUSTRIAL APPLICABILITY The present invention is useful as providing a computer system, a program, and a method for supporting a user's decision making so that the user can be convinced to perform the operation design when designing the operation of a financial product. .

200 terminal device 210 communication interface unit 220 input unit 230 display unit 240 memory unit 250 processor unit 300 server device 310 communication interface unit 320 memory unit 330 processor unit 400 database unit 500 network 1000 computer system

Claims (19)

A program executed in an information processing device including a display unit and a processor unit, wherein the program includes:
Controlling whether or not the user can input information on the item of the product,
When being controlled to allow input of the information of the user, receiving the information input by the user,
Displaying information about another user regarding the item of the product on the display unit;
A program that causes the processor unit to execute a process including:   The program according to claim 1, wherein the information about another user regarding the item of the product includes a degree of interest of another user with respect to the item of the product.   The program according to claim 2, wherein the degree of interest of the other user is represented by a ratio of a person who is interested in the item of the product to a group to which the user belongs.   The program according to claim 2, wherein the degree of interest of the other user is represented by a ratio of a person who has input the item of the product to a group to which the user belongs.   The computer-readable storage medium according to claim 1, wherein controlling the input availability includes prohibiting an input of an item whose interest level of another user of the item of the product is less than a predetermined threshold. The processing further includes receiving the user's attributes and / or profile;
The method according to any one of claims 1 to 5, wherein controlling the input availability includes disabling input for a predetermined item according to the received attribute and / or profile of the user. program. The process further includes receiving a selection input of the item of the product by the user,
The program according to any one of claims 1 to 6, wherein controlling the input availability includes disabling an input for the item of the product selected by the user.   The program according to claim 1, wherein the displaying includes displaying a degree of interest of another user regarding the item of the product in a time series.   9. The processing according to claim 1, wherein the processing further includes rearranging the items of the product in the descending order of interest of another user regarding the items of the product and displaying the items on the display unit. 10. The program described in. The process further includes displaying, on the display unit, an answer result of another user to the question together with the question for the user,
The program according to claim 1, wherein receiving the information includes receiving an answer to the question input by the user. The processing is
Changing the amount required to trade the product according to the received answer;
The program according to claim 10, further comprising: displaying, on the display unit, a change in the amount of money in response to receiving the answer. Means for receiving information about the item of the product entered by the user;
Means for displaying information about another user regarding the item of the product.   The information processing apparatus according to claim 12, further comprising a unit configured to control whether or not the user can input the information. A method performed in an information processing device including a display unit and a processor unit, wherein the method includes:
The processor unit controls whether input is possible when the user inputs information on the item of the product,
When the processor unit is controlled to allow the user to input the information, receiving the information input by the user,
The processor unit displays information about another user regarding the item of the product on the display unit,
Including, methods.   15. The method of claim 14, further comprising the processor controlling whether the user inputs the information. An information processing device that can be connected to a user terminal device via a network, wherein the information processing device includes:
A receiving unit that receives information about the user regarding the item of the product from the terminal device,
A transmission unit that transmits information about another user regarding the item of the product to the terminal device. Information about the user regarding the item of the product is input to the terminal device only when the input control unit of the terminal device permits input,
The information processing device according to claim 16, wherein the receiving unit receives information about the user regarding the item of the input product from the terminal device. A program executed in an information processing device capable of being connected to a plurality of user terminal devices via a network, wherein the information processing device includes a processor unit, and the program includes:
Receiving information about each user regarding the item of the product from each of the plurality of user terminal devices;
Based on each of the received information, generating information about other users regarding the item of the product,
Transmitting, to the terminal device, information about another user related to the item of the product, the program causing the processor unit to execute the processing. A method performed in an information processing device capable of being connected to a plurality of user terminal devices via a network, wherein the information processing device includes a processor unit, and the method includes:
Wherein the processor unit receives information about each user regarding an item of a product from each of the plurality of user terminal devices;
The processor unit, based on each of the received information, to generate information about another user regarding the item of the product,
Transmitting, to the terminal device, information about another user regarding the item of the product.