JP2022113672A - Information processing device, program, and information processing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an information processing device, program and information processing method, which allow for visualizing how events that may occur during a lifetime will affect the income and expenditure of a subject person.

SOLUTION: An information processing device comprises: a registration reception unit receiving registration of balance information on a lifetime balance of a subject person from a user terminal of a user; a computation unit computing the lifetime balance based on the balance information; a setting reception unit receiving settings of variation factors that change the lifetime balance from the user terminal; and a display unit making the user terminal graphically display temporal changes in the lifetime balance computed by the computation unit in a form of charts, and changing the display of the charts according to the settings of the variation factors received by the setting reception unit.

SELECTED DRAWING: Figure 3

COPYRIGHT: (C)2022,JPO&INPIT

Description

The present invention relates to an information processing device, a program, and an information processing method.

2. Description of the Related Art Conventionally, in insurance sales activities and the like, there is a technique for assisting a person in charge to propose insurance products and contract details suitable for a target person based on the target person's future life plan and income and expenditure. For example, Patent Literature 1 below discloses a life insurance design simulation system that automatically designs the optimal insurance contract details for a customer. In this simulation system, the income and expenditure of the household is calculated based on the basic information of the household of the person to be designed. is calculated. Then, in this simulation system, based on the calculated required insurance amount, the main life insurance policy and riders of the life insurance policy to be subscribed by the household are selected.

Japanese Patent Application Laid-Open No. 2004-302548

By the way, unforeseen events that can occur in a person's lifetime may affect the future income and expenditure of the subject. However, in the simulation system of Patent Document 1, although the required amount of insurance for unforeseen events that can occur in a lifetime is known, it is not possible to grasp whether or how the event will affect the future income and expenditure of the subject. There is a problem.

Therefore, in order to solve the above problems, the present invention provides an information processing device, a program, and an information processing method that can visualize how events that can occur in a lifetime affect the income and expenditure of a subject. intended to

An information processing apparatus according to an aspect of the present invention includes a registration reception unit that receives registration of income and expenditure information related to a lifetime income and expenditure of a subject from a user terminal of a user, a calculation unit that calculates a lifetime income and expenditure based on the income and expenditure information, A setting reception unit that receives from a user terminal a setting of a variable factor that changes the lifetime balance, and a display unit that displays the transition of the lifetime balance calculated by the calculation unit in a chart on the user terminal, wherein the setting reception unit receives the setting. and a display section for changing the display of the chart according to the setting of the fluctuation factor.

A program according to an aspect of the present invention includes, in a computer, a registration reception function for accepting registration of income and expenditure information relating to a lifetime income and expenditure of a subject from a user terminal of a user, and a calculation function for calculating a lifetime income and expenditure based on the income and expenditure information. , a setting reception function for receiving from the user terminal the setting of a variable factor that changes the lifetime income and expenditure; and a display function for changing the display of the chart in accordance with the received setting of the variation factor.

In an information processing method according to an aspect of the present invention, a computer receives registration of income and expenditure information about a lifetime income and expenditure of a subject from a user terminal of the user, calculates the lifetime income and expenditure based on the income and expenditure information, and transmits to the user terminal, The transition of the lifetime income and expenditure calculated by the calculation function is displayed in a chart, the setting of the fluctuation factor that changes the lifetime income and expenditure is received from the user terminal, and the display of the chart is changed according to the setting of the fluctuation factor.

ADVANTAGE OF THE INVENTION According to this invention, the information processing apparatus, program, and information processing method which can visualize how the event which can occur in lifetime influences a subject's income and expenditure can be provided.

1 is a diagram for explaining a system configuration example of a life planning support system according to an embodiment; FIG. BRIEF DESCRIPTION OF THE DRAWINGS It is a figure for demonstrating an example of the outline|summary of the life planning support system which concerns on embodiment. It is a figure showing an example of functional composition of a server device concerning an embodiment. It is a figure which shows the example of a screen of the life planning support system which concerns on embodiment. It is a figure which shows the example of a screen of the life planning support system which concerns on embodiment. It is a figure which shows the example of a screen of the life planning support system which concerns on embodiment. It is a figure which shows the example of a screen of the life planning support system which concerns on embodiment. It is a figure which shows the example of a screen of the life planning assistance system which concerns on embodiment. It is a figure which shows the example of a screen of the life planning support system which concerns on embodiment. It is a figure which shows the operation example of the life planning support system which concerns on embodiment. It is a figure which shows an example of the hardware constitutions of the server apparatus which concerns on embodiment. It is a figure which shows the example of a screen of the life planning support system which concerns on embodiment.

A preferred embodiment of the present invention (hereinafter referred to as "this embodiment") will be described with reference to the accompanying drawings. It should be noted that, in each figure, the same reference numerals have the same or similar configurations.

In this embodiment, by using the life planning support system 1 according to this embodiment, an insurance person such as Life Planner (registered trademark) provides a subject with a simulation based on a visualized life balance. An example of designing insurance will be described, but the present invention is not intended to be limited to this. The life planning support system 1 can also be applied to services other than insurance services, as long as the services utilize simulation visualization of lifetime income and expenditure.

“Target person” refers to a person for whom insurance design is performed, and typically refers to the customer himself/herself. etc.) may be included. Also, the subject's lifetime income and expenditure may include, for example, the lifetime income and expenditure of the customer's household for which insurance is designed. It should be noted that the person in charge and the target person are also collectively referred to as "users" when there is no particular need to distinguish them.

<1. System configuration>
A system configuration example of a life planning support system 1 according to the present embodiment will be described with reference to FIG.

The life planning support system 1 is a system that simulates a subject's lifetime income and expenditure (hereinafter also simply referred to as "simulation") in order to propose an optimal insurance plan. As shown in FIG. 1, the life planning support system 1 includes a server device 100 that provides a life planning site, which will be described later, a person in charge terminal 200a used by a person in charge, and a subject terminal 200b used by a subject. . The person in charge terminal 200a and the target person terminal 200b are also collectively referred to as "user terminal 200" when there is no particular need to distinguish them. The server device 100, the person in charge terminal 200a, and the subject terminal 200b are connected to each other via a network N.

The network N is composed of a wireless network and a wired network. Examples of networks include mobile phone networks, PHS (Personal Handy-phone System) networks, wireless LAN (Local Area Network), 3G (3rd Generation), LTE (Long Term Evolution), 4G (4th Generation), 5G ( 5th Generation), WiMax (registered trademark), infrared communication, Bluetooth (registered trademark), wired LAN, telephone line, power line network, and IEEE1394-compliant network.

The server device 100 is an information processing device capable of providing a website (hereinafter also referred to as a “life planning site”) for providing a life planning service for a subject. The server device 100 may have server functions such as an application server and a database server in addition to the functions of a web server. The server device 100 realizes these server functions by executing a predetermined program.

The server device 100 may, for example, change the display of the life planning site and the operation input between the person in charge terminal 200a and the subject terminal 200b. The server device 100 may, for example, allow the target person terminal 200b to use only some of the functions that can be provided by the life planning site.

The person-in-charge terminal 200 a is, for example, a terminal device such as a smart phone or a laptop, and is capable of displaying a life planning site and communicating with the server device 100 . By executing a predetermined program, the person in charge terminal 200a cooperates with the server apparatus 100 to transmit and receive information about screens to be displayed, output screens and voices, and receive operations and voice inputs from the person in charge. accept it.

The target user terminal 200b is, for example, a terminal device such as a smartphone or a laptop, and is capable of displaying a life planning site and communicating with the server device 100. FIG. By executing a predetermined program, the target user terminal 200b cooperates with the server device 100 to transmit and receive information about a screen to be displayed, output a screen and voice, and receive an operation and voice input from the target person. accept it.

<2. Overview>
An example of an overview of the life planning support system 1 will be described with reference to FIG.

As shown in FIG. 2, in the life planning support system 1, a person in charge registers income and expenditure information obtained by hearing from a subject, and simulates the subject's lifetime income and expenditure based on the registered content. Then, the person in charge designs insurance with reference to the displayed simulation results, and proposes an insurance plan suitable for the subject. Here, the "income and expenditure information" is information relating to the lifetime balance (income and expenditure) of the subject. The details of the balance information will be described later.

Specifically, the life planning support system 1 calculates a lifetime income and expenditure for each year based on the registered income and expenditure information for simulation purposes. Based on the calculated lifetime income and expenditure for each year, the server device 100 displays a yearly income and expenditure graph (hereinafter also simply referred to as "income and expenditure graph") and a cash flow (hereinafter also simply referred to as "CF") in the target person's household. ) The table is displayed on the life planning site of the person in charge terminal 200a.

In the life planning support system 1, a person in charge or the like sets a factor (hereinafter referred to as "fluctuation factor") that changes the lifetime income and expenditure among the events that can occur in the life of the subject for the displayed income and expenditure graph. can do. Fluctuating factors include, for example, changes in family structure and risks that may affect lifetime income and expenditure (hereinafter also simply referred to as “risk” or “income and expenditure risk”). Then, the life planning support system 1 can reflect the set fluctuation factors in the income and expenditure graph and the CF table, and dynamically change the income and expenditure graph when the fluctuation factor occurs.

According to the above configuration, the life planning support system 1 can display an income and expenditure graph and a CF table according to the setting when the user sets the variable factor. Therefore, for example, it is possible to visualize how the income and expenditure fluctuates when a specific risk occurs by changing the display such as the income and expenditure graph reflecting the influence of this risk. Therefore, according to the above configuration, the life planning support system 1 can visualize how events that can occur in a person's lifetime affect the income and expenditure of the subject.

<3. Functional Configuration of Server Device>
A functional configuration of the server device 100 according to the present embodiment will be described with reference to FIG. As shown in FIG. 3, the server device 100 includes a control section 110, a storage section 120, and a communication section .

Control unit 110 includes registration reception unit 111 , calculation unit 112 , setting reception unit 113 , and display unit 114 .

The registration reception unit 111 receives registration of customer information including balance information from the user terminal 200 . The registration reception unit 111 receives registration of customer information from the user terminal 200, for example, on a customer information setting screen group such as a housing expenses setting screen A2 (see FIG. 5) described later. The registration reception unit 111 receives input of customer information for the customer information setting screen group from the user terminal 200, for example. The registration accepting unit 111 accepts input of the received customer information and stores it in the storage unit 120 or the like. That is, the registration reception unit 111 receives registration of information necessary for simulation of the lifetime income and expenditure of the subject, including the contents of variable factors such as family information and risk information, in advance.

"Customer information setting screen group" means a screen group for setting customer information of the life planning site.

"Customer information" is information about the customer who is the target person. The customer information includes, for example, the customer's income and expenditure information, asset information, family information, and risk information.

The income and expenditure information includes, for example, income information regarding the subject's income and expenditure information regarding the subject's expenditure. The income information includes, as income items, for example, occupational information about the subject's occupation, pension information about the subject's pension, and insurance information about the insurance that the subject subscribes to. Expenditure information includes, for example, living expense information, housing expense information, education and marriage information, and vehicle information as expense items.

"Occupational information" includes, for example, the target person's occupation (including occupations before and after changing jobs if they have changed jobs or are planning to change jobs), income amount for each occupation (annual income, monthly salary, bonus payment amount, etc.) , whether or not there are plans to change jobs, and whether or not there are plans to open a business.

"Pension information" includes, for example, the type of pension paid to the subject (for example, public pension (old-age pension, disability pension, survivor's pension, etc.), private pension, etc.), payment per unit period for each type of pension Including amount etc.

"Insurance information" includes, for example, the type of insurance that the subject is enrolled in (e.g., life insurance (term insurance, whole life insurance, etc.), student endowment insurance, individual annuity insurance, special agreements for these, etc.), and payment for each type. Including amount etc.

The "living expense information" includes, for example, living expenses for the number of people in the household, lump-sum payments for temporary expenses, and the like. The “living expenses for the number of people in the household” may be set by, for example, interviewing the subject, or may be set based on the average living expenses for a unit period in the residential area of the subject.

"Housing Expense Information" includes, for example, housing type, move-in year, retirement year, housing cost per month, purchase amount, down payment, repayment balance, monthly repayment amount, repayment start date, repayment Including the term, repayment method, interest rate, or maintenance cost of the house.

"Vehicle information" includes, for example, the cost of vehicle inspection of the vehicle currently owned by the subject, or the monthly parking cost. The vehicle information may also include, for example, the price of a vehicle that the subject will purchase in the future, the cost of vehicle inspection, or the monthly parking cost.

"Educational marriage information" includes, for example, marriage with a spouse, birth of a child, or educational expenses (entrance fee, tuition fee, etc.) based on an educational plan for each child.

“Asset information” is information about assets of the subject, and may include information such as the amount of savings, financial assets, or real estate assets of the subject, for example.

"Family information" is information about the subject's family. The family information includes, for example, the current or future spouse, current or future children, brothers/sisters, and parents (grandfather/grandmother) name, age, gender, etc., centering on the design target customer. The family information, in other words, includes the name, age, sex, etc. of each family member within the third degree of kinship of the customer.

“Risk information” is information indicating risks related to income and expenditure. In addition, the “risk related to income and expenditure” refers to, for example, a risk that can occur during the lifetime of the subject and that affects the lifetime income and expenditure. This "risk that affects the lifetime income and expenditure" is, for example, the risk items displayed on the risk information setting screen A3, such as death of the householder or spouse, longevity of dependents, illness, inability to work, and severe disability. , or aged care.

The registration reception unit 111 may receive registration of life event information, for example. Here, "life event information" is information indicating a life event related to the subject. Life event information includes, for example, the person subject to the life event, the content of the life event (e.g., the subject's family birth, school attendance, employment, childbirth/child care, retirement age, etc.), or the time of occurrence of the life event (e.g., N Years later (N: natural number, etc.) may be included.

Life events may include, for example, life events of family members within the third degree of kinship of the subject. According to such a configuration, the registration reception unit 111 can cause the display unit 114 to display, for example, life events of the parents (grandfather/grandmother) of the householder, who is the target person, side by side with transitions in lifetime income and expenditure. Therefore, the registration reception unit 111 can cover not only the target person and his/her household members but also the life events of a wider range of the target person's family.

The registration reception unit 111 receives registration of family information from the user terminal 200 via a family setting screen A1 (see FIG. 4), which will be described later.

The registration reception unit 111 receives registration of risk information from the user terminal 200 via a risk information setting screen A3 (see FIG. 6), which will be described later.

The calculation unit 112 calculates the lifetime balance of the subject based on the balance information registered by the registration reception unit 111 . For example, when calculating the income and expenditure for each year, the calculation unit 112 calculates the total amount of income items for each year (for example, the amount of income, the amount of payment, etc.) based on the income information. In addition, the calculation unit 112 calculates the total amount of each year's expenditure items (for example, each expense, payment amount, etc.) based on the expenditure information.

For example, the calculation unit 112 may calculate the subject's cash flow as the subject's lifetime balance based on the balance information and asset information registered by the registration reception unit 111 . For example, the calculation unit 112 may calculate, as income items, annual disposable income, retirement allowance, pension, and the like of the householder and the spouse based on the income information. For example, the calculation unit 112 may calculate living expenses, housing expenses, educational expenses, and the like for each year as expense items based on the expense information. The calculation unit 112 may calculate, for example, the amount of savings and the balance of deposits and savings for each year as asset items based on the income information, the expense information, and the asset information.

The calculation unit 112, for example, further calculates the lifetime balance of the subject when the risk occurs based on the risk information. For example, if the risk information is set so that the risk of “inability to work” occurs in three years, the calculation unit 112 sets the income amount for each occupation after three years to “0 (zero)” and calculates the lifetime balance. may be calculated. In addition, the calculation unit 112 may calculate the lifetime income and expenditure so that unemployment allowances, injury and sickness allowances, and the like are paid after three years.

The setting receiving unit 113 receives, from the user terminal 200, the setting of a variable factor that changes the lifetime balance of the subject, which is a variable factor to be reflected in the chart of the transition of the lifetime balance. That is, the setting reception unit 113 receives a simulation visualization setting as to whether or not to actually reflect the contents of the fluctuation factor in the chart of the transition of the lifetime balance. It should be noted that the contents of this variable factor have been received in advance by the registration reception unit 111 .

Variable factors may include, for example, changes in the subject's family structure and/or the occurrence of financial risks. Here, "change in family composition" means, for example, marriage with a spouse, childbirth, child independence, and the like.

For example, the setting reception unit 113 may receive, from the user terminal 200, a setting for selecting one variable factor to be reflected in the chart of the lifetime balance transition from among a plurality of variable factors that change the lifetime balance of the subject. .

For example, the setting reception unit 113 may receive a setting as to whether or not to reflect each of one or more fluctuation factors that change the lifetime balance of the subject in the chart of the transition of the lifetime balance.

For example, the setting reception unit 113 may receive, from the user terminal 200, settings of risk related to income and expenditure for each of the householder and the spouse of the target person.

According to the above configuration, it is possible to visualize fluctuations in lifetime income and expenditure due to changes in family composition and occurrence of risks related to income and expenditure.

The display unit 114 causes the user terminal 200 to display the life planning site. The life planning site includes, for example, menu bars D1 and D2 (see FIGS. 4 to 8), a family setting screen A1 (see FIG. 4), a housing expense setting screen A2 (see FIG. 5), and a risk information setting screen A3 (see FIG. 5), which will be described later. 6), yearly simulation screen A4 (see FIG. 7), CF table screen A5 (see FIG. 8), and life event table screen A6 (see FIG. 9).

The display unit 114 may generate display information for displaying the screen on the life planning site, for example. The display unit 114 transmits the generated display information to the user terminal 200 and causes the user terminal 200 to display the screen.

The display unit 114 displays the transition of the lifetime balance calculated by the calculation unit 112 in a chart. Here, the "chart of changes in lifetime income and expenditure" is, for example, a year-by-year income and expenditure graph of the target person's household as shown in FIG. 7 and a target person's cash flow chart as shown in FIG. In addition, the display unit 114 changes the display of the graph of the transition of the lifetime balance according to the setting of the variable factor received by the setting receiving unit 113 . For example, the display unit 114 causes the calculation unit 112 to recalculate the lifetime balance based on the risk information and family information regarding the variable factors received by the setting reception unit 113, and displays the transition of the recalculated lifetime balance in a chart. Let In other words, the display unit 114 switches between the display of the chart in which the variable factor is reflected and the chart in which the variable factor is not reflected according to the setting of the variable factor received by the setting receiving unit 113 .

According to the configuration described above, if the user sets a variable factor, the display unit 114 can cause the user terminal 200 to display the balance graph according to the setting. Therefore, for example, it is possible to visualize how the income and expenditure fluctuates when a specific risk occurs by changing the display of the income and expenditure graph to reflect the influence of this risk. Therefore, according to the above configuration, the display unit 114 can visualize how events that can occur in a lifetime affect the income and expenditure of the subject.

According to the above configuration, the display unit 114 can switch between display of a chart in which the factor of variation is reflected and display of a chart in which the factor of variation is not reflected according to the setting of the factor of variation. It is possible to make it easier to grasp the causal relationship of which balance fluctuation is caused by a factor.

For example, based on the life event information registered by the registration reception unit 111, the display unit 114 causes the user terminal 200 to display the life event transition chart and the life event chart side by side on the same time axis. may Here, the “chart of life event” is, for example, a life event table as shown in FIGS. 7 and 9. FIG.

According to the above configuration, the display unit 114 can display the chart of transition of lifetime balance and the chart of life events side by side so that they can be compared. Therefore, according to the above configuration, by comparing and viewing these charts, the user can easily comprehend how the transition of the lifetime income and expenditure will fluctuate, for example, triggered by a specific life event. . Therefore, according to the above configuration, the display unit 114 can improve UI/UX in visualization of a simulation such as a lifetime balance.

For example, the display unit 114 may cause the user terminal 200 to simultaneously display an operation unit for the user to operate to set a variable factor and a chart of changes in lifetime balance. Further, the display unit 114 may cause the user terminal 200 to display, for example, a graph of changes in lifetime income and expenditure, while hiding the operation unit for the user to set and operate the fluctuation factors. The operation unit is, for example, a form that displays a pull-down display or a pop-up display on the screen of the life planning site, and is a form for the user to set the variable factors. The operation unit is, for example, a form of a risk setting area a42a that is displayed in a pulldown from the annual simulation screen A4 and a family structure setting area a43a that is displayed in a popup. By displaying the operation unit in a pull-down or pop-up manner in this way, the display unit 114 can switch between display and non-display of the operation unit in a state in which the chart showing the transition of the lifetime balance is being displayed.

According to the above configuration, the user can change (update display) the graph of the transition of the lifetime income and expenditure according to the setting operation of the fluctuation factor and the setting without changing the screen. Therefore, according to the above configuration, the display unit 114 can improve UI/UX in visualization of a simulation such as a lifetime balance.

The storage unit 120 associates and stores customer identity information and customer information (income and expenditure information, asset information, family information, and risk information). The storage unit 120 also stores display information. The storage unit 120 may store each information using a database management system (DBMS), or may store each information using a file system. When using a DBMS, a table may be provided for each piece of information described above, and each piece of information may be managed by associating the tables.

"Customer principal information" is information relating to the customer himself. Customer identity information includes, for example, a customer ID for identifying the customer, a password corresponding to the customer ID, a customer name indicating the customer's name, the customer's gender, or an email address, address, or telephone number indicating the customer's contact information. including.

The communication unit 130 transmits/receives various information including display information to/from the user terminal 200 or the like via the network N. FIG. The communication unit 130 receives an input to the life planning site from the person in charge terminal 200a via the network N, and transmits display information for displaying the life planning site to the user terminal 200, for example.

<4. Screen example>
Screen examples of the life planning support system 1 will be described with reference to FIGS.

FIG. 4 is a diagram showing an example of a family setting screen A1 for setting family information of a subject and a menu bar D1 for displaying a screen menu of a life planning site. As shown in FIG. 4, the family setting screen A1 includes a family composition diagram area a10. In the family structure chart area a10, the display unit 114 displays the family structure on the family tree based on the family information. Also, when the user designates an icon of each family on the family tree, the display unit 114 displays a sub-screen (not shown) for editing and inputting family information of the designated family. The content edited and input on this sub-screen is reflected in the family information, and by extension, in the display of the family composition in the family composition diagram area a10.

The menu bar D1 includes a menu display area d10 for displaying a tree-type menu of screens displayed on the life planning site, and a result screen button d11 for transitioning to a screen group for displaying simulation results. In the menu display area d10, the display unit 114 displays the main menu of the screen for setting various information. This main menu includes the screen title of the family setting screen A1 (in this example, "Family Structure Diagram"), the title of the customer information setting screen group (in this example, "customer information"), The screen title of the risk information setting screen A3 ("Risk" in this example) is displayed, and when the user designates each title, the corresponding screen or the top page of the screen group is displayed. When the result screen button d11 is designated by the user, the contents set in the customer information setting group are confirmed, and the display unit 114 displays a simulation screen including the annual simulation screen A4 in FIG. 7 and the CF table screen A5 in FIG. Transition to the top page (not shown) of the screen group displaying the results.

FIG. 5 is a diagram showing an example of a housing expense setting screen A2 for setting housing expense information of a subject and a menu bar D1a. As shown in FIG. 5, the housing expenses setting screen A2 includes a housing expenses setting form group a20 for setting housing expenses information. When housing expense information is input by the user into the housing expense setting form group a20, the registration accepting unit 111 accepts registration of the entered housing expense information.

The menu bar D1a includes a menu display area d10a in which the title of the customer information setting screen group is specified. When the title of the customer information setting screen group is designated, in the menu display area d10a, a menu including the title of each screen of the customer information setting screen group (for example, a screen for setting occupation information, a screen for setting pension information, etc.) is displayed. is expanded and displayed.

FIG. 6 is a diagram showing an example of a risk information setting screen A3 for setting risk information of a subject. As shown in FIG. 6, the risk information setting screen A3 includes a risk information setting form group a30 for setting each household head/spouse and each risk item.

In the risk information setting form group a30, the display unit 114 displays the death (in this example, indicated as "in case of emergency") and the longevity of dependents (in this example, indicated as "long life") for each of the householder and spouse. notation), illness, inability to work, severe disability, and aged care, and a group of forms for each risk item. The risk information setting screen A3 has an enable/disable slide button for specifying whether to enable or disable the set information (hereinafter also referred to as "setting information") for each risk item, and the time point at which the risk occurs. Occurrence pull-down list for setting, Duration pull-down list for setting the period during which the risk continues to occur, Text form for setting allowances, pensions, etc. to be paid when the risk occurs, A form such as a text form is displayed for setting the cost incurred when a risk occurs (for example, a hospital visit cost for the risk item "severe disability"). When risk information is input to the risk information setting form group a30, the registration reception unit 111 receives registration of the input risk information.

FIG. 7(a) shows a yearly simulation screen A4 for displaying a yearly income and expenditure graph and a life event table as changes in the subject's lifetime income and expenditure, and a menu bar D2 for displaying the screen menu of the life planning site. and is a diagram showing an example. The annual simulation screen A4 includes a balance graph area a40, a life event table area a41, a risk setting area display button a42, and a family structure setting area display button a43.

The income and expenditure graph area a40 displays a yearly income and expenditure graph of the target person's household. The income and expenditure graph area a40 changes the display of this income and expenditure graph according to the setting of the risk setting area a42a and the family structure setting area a43a displayed in the pulldown.

In the life event table area a41, the display unit 114 displays a table of life events of the subject's family (hereinafter also referred to as "life event table") in line with the time axis of the income and expenditure graph area a40. In the life event table area a41, the display unit 114 changes the life event table display according to the settings in the risk setting area a42a and the family structure setting area a43a.

As shown in FIG. 7(b), when the user designates the risk setting area display button a42, the display unit 114 displays the risk setting area a42a, which is normally hidden (folded), as an income and expenditure indicator. It is displayed at the same time as the graph display. The risk setting area a42a includes a group of forms for setting risks related to income and expenditure. This form group has a risk setting radio button for setting the risk to be reflected in the income and expenditure graph and life table for each household head and spouse, and the contents set with the risk setting radio button are reflected in the income and expenditure graph etc. and a setting button (indicated as “set” in this example). The user selects one of the displayed multiple risks or no risk to be reflected in the balance graph using the risk setting radio button. When the user designates this setting button, the setting reception unit 113 receives the contents selected by the risk setting radio button as the risk setting for changing the lifetime balance. Then, the display unit 114 reflects the accepted risk in the display of the income and expenditure graph and the life event table. That is, the display unit 114 changes the display of the balance graph and the life event table according to the set contents. In other words, if the risk setting received by the setting receiving unit 113 is “longevity”, the display unit 114 displays the balance graph reflecting longevity. If there is, it is possible to display the income and expenditure graph in a state where longevity is not reflected. Therefore, the display unit 114 can switch between the display of the income and expenditure graph in which longevity is reflected and the display of the income and expenditure graph in which longevity is not reflected by a simple operation.

As shown in FIG. 7C, when the user designates the family structure setting area display button a43, the display unit 114 displays the family structure setting area a43a, which is normally hidden, as a modal window. Pop-up display and modal display at the same time as graph display. The family structure setting area a43a includes a group of forms for setting changes in the family structure upon marriage with a spouse and birth of a child. This group of forms consists of enable/disable slide buttons for specifying whether to enable or disable the occurrence of marriage with a spouse and childbirth, respectively, and a pull-down list for setting the time of occurrence. and a setting button (indicated as "set" in this example) for reflecting the contents set in these forms on the display of the balance graph or the like. The user sets whether or not to reflect marriage and childbirth in the income and expenditure graph using valid/invalid slide buttons. When the user designates this setting button, the setting acceptance unit 113 accepts the contents set by the valid/invalid slide button and the pull-down list at the time of occurrence as a change in the family structure that changes the lifetime balance. Then, the display unit 114 reflects the change in the family composition for which this setting has been received in the display of the balance graph and the life event table. That is, the display unit 114 changes the display of the balance graph and the life event table according to the set contents. In other words, the display unit 114 displays the income and expenditure graph in a state in which the marriage is reflected when the marriage is “valid” as the setting of the change in family composition received by the setting reception unit 113, and on the other hand, the marriage is “invalid”. If so, it is possible to display the income and expenditure graph in a state where the marriage is not reflected. Therefore, the display unit 114 can switch between the display of the income and expenditure graph in which the marriage is reflected and the display of the income and expenditure graph in which the marriage is not reflected by a simple operation.

The menu bar D2 includes a menu display area d20 that displays a tree-type menu of screens displayed on the life planning site, and a setting screen button d21 (in this example, " input screen"), and a risk information setting screen button d22 (in this example, written as "risk") for transitioning to the risk information setting screen A3. The menu display area d20 displays a screen menu for displaying simulation results. In this menu, the screen title of the yearly simulation screen A4 (in this example, "by year"), the title of the CF table screen A5 (in this example, "C/F"), etc. are displayed. When the user designates each title, the corresponding screen is displayed. When the setting screen button d21 is specified by the user, the display unit 114 transitions to the top page (not shown) of the screen group for setting various information shown in FIGS. When the user designates the risk information setting screen button d22, the display unit 114 transitions to the risk information setting screen A3.

FIG. 8 is a diagram showing an example of a CF table screen A5 for displaying a cash flow table as transition of a subject's lifetime income and expenditure. The CF table screen A5 includes a life event table area a50 and a cash flow table area a51. The life event table area a50 is the same as the life event table area a41 of the simulation screen A4 for each year, so description thereof is omitted. In the cash flow table area a51, the display unit 114 displays the subject's cash flow table in line with the time axis of the life event table in the life event table area a41.

FIG. 9 is a diagram showing an example of a life event table screen A6 for displaying the life event table of the subject's family. The life event table screen A6 includes a risk setting display area a60 and a life event table area a61. In the risk setting display area a60, the display unit 114 displays in a pie chart whether the setting information specified for each risk item on the risk information setting screen A3 is valid or invalid for each of the householder and the spouse. . In the life event table area a61, the display unit 114 displays the life event table of the target person's family within the third degree of kinship. The display unit 114 may change the display of this life event table according to, for example, the variable factors set on the annual simulation screen A4.

<5. Operation example>
An operation example of the life planning support system 1 according to the present embodiment will be described with reference to FIG. FIG. 10 is a flow chart showing the flow of processing from receiving registration of income and expenditure information from the user terminal 200 to changing the display of the lifelong income and expenditure transition chart according to the setting of the variable factor. Note that the order of the processes shown below is an example, and may be changed as appropriate.

As shown in FIG. 10, the registration reception unit 111 of the server device 100 receives registration of income and expenditure information regarding the lifetime income and expenditure of the subject from the user terminal 200 (S10). The calculation unit 112 calculates the lifetime balance of the subject based on the registered balance information (S11).

The display unit 114 causes the user terminal 200 to display the transition of the lifetime balance calculated by the calculation unit 112 in a chart (S12). The setting reception unit 113 receives from the user terminal 200 the setting of a variable factor that changes the lifetime balance (S13). The display unit 114 changes the display of the graph of the transition of the lifetime balance according to the setting of the variable factor received by the setting receiving unit 113 (S14).

<6. Hardware Configuration>
With reference to FIG. 11, an example of a hardware configuration in which the server device 100 described above is implemented by a computer 800 will be described. The function of each device can also be implemented by being divided into a plurality of devices.

As shown in FIG. 11, a computer 800 includes a processor 801, a memory 803, a storage device 805, an input I/F section 807, a data I/F section 809, a communication I/F section 811, and a display device. 813 included.

Processor 801 controls various processes in computer 800 by executing programs stored in memory 803 . For example, each functional unit included in the control unit 110 of the server device 100 can be realized by the processor 801 executing a program temporarily stored in the memory 803 .

The memory 803 is a storage medium such as a RAM (Random Access Memory). The memory 803 temporarily stores program codes of programs executed by the processor 801 and data necessary for executing the programs.

The storage device 805 is a non-volatile storage medium such as a hard disk drive (HDD) or flash memory. A storage device 805 stores an operating system and various programs for realizing the above configurations. In addition, the storage device 805 can also store a table for registering customer identity information and customer information, and a DB for managing the table. Such programs and data are referred to by the processor 801 by being loaded into the memory 803 as necessary.

An input I/F unit 807 is a device for receiving input from the user. Specific examples of the input I/F unit 807 include a keyboard, mouse, touch panel, various sensors, wearable devices, and the like. The input I/F unit 807 may be connected to the computer 800 via an interface such as USB (Universal Serial Bus).

A data I/F unit 809 is a device for inputting data from outside the computer 800 . A specific example of the data I/F unit 809 is a drive device for reading data stored in various storage media. Data I/F unit 809 may be provided outside computer 800 . In that case, the data I/F unit 809 is connected to the computer 800 via an interface such as USB.

The communication I/F unit 811 is a device for performing data communication with a device external to the computer 800 via the Internet N by wire or wirelessly. Communication I/F unit 811 may be provided outside computer 800 . In that case, the communication I/F unit 811 is connected to the computer 800 via an interface such as USB.

The display device 813 is a device for displaying various information. Specific examples of the display device 813 include a liquid crystal display, an organic EL (Electro-Luminescence) display, and a wearable device display. The display device 813 may be provided outside the computer 800 . In that case, the display device 813 is connected to the computer 800 via, for example, a display cable. Further, when a touch panel is adopted as the input I/F section 807 , the display device 813 can be integrated with the input I/F section 807 .

It should be noted that the above-described embodiment is an example for explaining the present invention, and is not intended to limit the present invention only to the embodiment. Also, the present invention can be modified in various ways without departing from the gist thereof. Furthermore, those skilled in the art can adopt embodiments in which each element described above is replaced with equivalents, and such embodiments are also included in the scope of the present invention.

[Modification]
Although the present invention has been described based on the above embodiments, the following cases are also included in the present invention.

[Modification 1]
At least part of each configuration in the server device 100 according to the above embodiment may be provided in the user terminal 200 . For example, all the above functional units of the server device 100 may be implemented in the user terminal 200 .

[Modification 2]
In the above-described embodiment, an example using Web technology has been described, but the present invention is not intended to be limited to this. For example, the above functions of the server device 100 may be realized using an application program dedicated to the life planning support system 1 without using a web application program.

[Modification 3]
In the above embodiment, an example was explained in which the display unit causes the operation unit to display a pull-down display or a pop-up display from the screen displaying the graph of the transition of the lifetime balance, but the present invention is not limited to this. For example, as shown in FIG. 12, the display unit 114 may cause the user terminal 200 to display the operation unit for the user to set and operate the fluctuation factor on the same screen as the chart of the transition of the lifetime balance.

DESCRIPTION OF SYMBOLS 1... Life planning support system 100... Server apparatus 110... Control part 111... Registration reception part 112... Calculation part 113... Setting reception part 114... Display part 120... Storage part 130... Communication part 200 User terminal 200a Person in charge terminal 200b Subject terminal 800 Computer 801 Processor 803 Memory 805 Storage device 807 Input I/F unit 809 Data I/F unit 811 ... communication I/F section, 813 ... display device.

Claims (8)

a registration reception unit that receives registration of income and expenditure information related to the lifetime income and expenditure of the target person from the user terminal of the user;
a calculation unit that calculates the lifetime balance based on the balance information;
a setting reception unit that receives, from the user terminal, a setting of a variable factor that changes the lifetime balance;
A display unit that causes the user terminal to display the transition of the lifetime income and expenditure calculated by the calculation unit in a chart, wherein the display of the chart is changed according to the setting of the variable factor received by the setting reception unit. a display that causes
Information processing equipment. The variable factors include at least one of changes in family composition in the subject, or the occurrence of risks related to income and expenditure,
The information processing apparatus according to claim 1. The registration reception unit receives registration of life event information indicating a life event related to the subject,
further based on the life event information, the display unit causes the user terminal to display the chart of the transition of the lifetime balance and the chart of the life events side by side with the time axis aligned;
The information processing apparatus according to claim 1 or 2. The life events include life events of family members within the third degree of kinship of the subject,
The information processing apparatus according to claim 3. The display unit causes the user terminal to simultaneously display an operation unit for the user to set and operate the fluctuation factors, at the same time as a chart of the transition of the lifetime balance.
The information processing apparatus according to any one of claims 1 to 4. The registration reception unit receives registration of insurance information on insurance applicable to the occurrence of the variable factor,
The display unit causes the user terminal to display the transition of the lifetime balance in a chart, further based on the insurance information.
The information processing apparatus according to any one of claims 1 to 5. to the computer,
A registration reception function that receives registration of income and expenditure information related to the lifetime income and expenditure of the target person from the user terminal of the user;
a calculation function for calculating the lifetime balance based on the balance information;
A setting reception function for receiving, from the user terminal, settings of a variable factor that changes the lifetime balance;
A display unit that causes the user terminal to display the transition of the lifetime income and expenditure calculated by the calculation function in a chart, wherein the display of the chart is changed according to the setting of the variable factor received by the setting reception function. a display function that enables
program. the computer
Receiving registration of income and expenditure information related to the lifetime income and expenditure of the target person from the user terminal of the user,
Calculate the lifetime balance based on the balance information,
causing the user terminal to display the calculated transition of the lifetime balance in a chart;
Receiving from the user terminal a setting of a variable factor that changes the lifetime balance,
changing the display of the chart according to the setting of the variable factor;
Information processing methods.

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