JP2022134295A - Service management device, service management method and service management program - Google Patents

Abstract

To provide a service management device, method and program for supporting users to acquire assets.SOLUTION: A support device 20 in a system includes a score target storage section 23 for recording a scoring target specified by a user and information relating to a score assignment condition, a score information storage section 26 for recording scores assigned by the score assignment condition, and a control unit 21 that is connected to a user terminal 10, acquires, from the user terminal 10, a scoring target according to the user's desire, records it in a score target storage section 23, acquires asset information relating to the user, when the scoring target recorded in the scoring target storage section 23 is specified in the asset information, records, for the asset information, scores according to the score assignment condition in the score information storage section 26, and periodically outputs to the user terminal 10, information relating to changes in the scores recorded in the score information storage section 26.SELECTED DRAWING: Figure 1

Description

The present invention relates to a service management device, a service management method, and a service management program for assisting users in acquiring assets.

A user may set goals for himself in order to live a better life. And in order to achieve the goal, it is necessary to execute actions according to the goal. Therefore, an information providing device that generates a situation in which it is easier to accept information for user's action support is also being studied (see, for example, Patent Document 1). In the technique described in this document, the information providing device obtains a goal for the user regarding the matter or event related to the user, obtains information regarding the matter or event regarding the user, and determines the degree of achievement of the goal. do. Then, based on the user information, the information providing apparatus determines positive information that encourages the user to enter a state of mind to take action to achieve the goal, and determines behavior information related to the user's action toward the goal. to decide. Then, the positive information is provided, and at the same time or after that, the behavioral information is provided.

JP 2020-170217 A

This goal also includes acquiring assets to enrich the users themselves. This wealth is not limited to assets such as finance, but also includes intangible assets such as skills. Since such assets vary from user to user, it is difficult to uniformly promote behavior for acquiring assets.

A service management device for solving the above problems includes a score target storage unit that records information about a scoring target specified by a user and score giving conditions, and a score information storage that records the score given according to the score giving conditions. and a control unit connected to the user terminal. Then, the control unit acquires a scoring target according to the user's request from the user terminal, records it in the scoring target storage unit, acquires asset information related to the user, and in the asset information , when the scoring target recorded in the score target storage unit is specified, a score is recorded in the score information storage unit according to the score assignment condition for the asset information, and recorded in the score information storage unit. periodically outputs information about changes in the obtained score to the user terminal.

According to the present invention, it is possible to assist the user in acquiring assets.

System schematic of embodiment. Explanatory drawing of the hardware constitutions of embodiment. 1 is an explanatory diagram of an information storage unit of an embodiment, in which (a) is a user information storage unit, (b) is a score target storage unit, (c) is a tangible asset information storage unit, and (d) is an intangible asset information storage unit. , (e) is an explanatory diagram of a score information storage unit; Explanatory drawing of the processing procedure of embodiment. Explanatory drawing of the processing procedure of embodiment. Explanatory drawing of the processing procedure of embodiment. Explanatory drawing of the processing procedure of embodiment. Explanatory drawing of the processing procedure of other embodiment. Explanatory drawing of the processing procedure of other embodiment. Explanatory drawing of the processing procedure of other embodiment.

Embodiments that embody a service management device, a service management method, and a service management program will be described below with reference to FIGS. 1 to 7. FIG. In this embodiment, the user is provided with a service that promotes the acquisition of assets. This asset represents a broadly defined acquisition that a user can acquire. This asset includes tangible assets whose value can be calculated in the market and intangible assets whose market value is difficult to calculate. Tangible assets include, for example, real estate, personal property, financial assets, etc. owned by the user. Intangible assets include, for example, experience acquired by the user, emotions, behavior, range of activities, knowledge, atmosphere, trust, family, personal connections, hobbies, health, sleep, information, intelligence, physical strength, energy, luck, etc. be
As shown in FIG. 1, a user terminal 10, an information providing site 15, and a support device 20 connected by a network are used.

(Hardware configuration example)
FIG. 2 is a hardware configuration example of the information processing device H10 functioning as the user terminal 10, the information providing site 15, and the support device 20. As shown in FIG.

The information processing device H10 has a communication device H11, an input device H12, a display device H13, a storage device H14, and a processor H15. Note that this hardware configuration is an example, and other hardware may be included.

The communication device H11 is an interface that establishes a communication path with another device and executes data transmission/reception, such as a network interface card or a wireless interface.

The input device H12 is a device that receives input from a user or the like, such as a mouse or a keyboard. The display device H13 is a display, a touch panel, or the like that displays various information.

The storage device H14 is a storage device that stores data and various programs for executing various functions of the user terminal 10, the information providing site 15, and the support device 20. FIG. Examples of the storage device H14 include ROM, RAM, hard disk, and the like.

The processor H15 uses programs and data stored in the storage device H14 to control each process in the user terminal 10, the information providing site 15, and the support device 20 (for example, the process in the control unit 21, which will be described later). Examples of the processor H15 include, for example, a CPU and an MPU. The processor H15 develops a program stored in a ROM or the like into a RAM and executes various processes corresponding to various processes. For example, when the application programs of the user terminal 10, the information providing site 15, and the support device 20 are started, the processor H15 operates a process for executing each process described later.

Processor H15 is not limited to performing software processing for all the processing that it itself executes. For example, the processor H15 may include a dedicated hardware circuit (for example, an application specific integrated circuit: ASIC) that performs hardware processing for at least part of the processing performed by the processor H15. That is, the processor H15 is composed of (1) one or more processors that operate according to a computer program (software), (2) one or more dedicated hardware circuits that execute at least part of various processes, or ( and 3) any combination thereof. A processor includes a CPU and memory, such as RAM and ROM, which stores program code or instructions configured to cause the CPU to perform processes. Memory or computer-readable media includes any available media that can be accessed by a general purpose or special purpose computer.

(System functions of this embodiment)
A user terminal 10 shown in FIG. 1 is a computer terminal used by each user. A mobile terminal or the like can be used as the user terminal 10 .

The user terminal 10 acquires information about user's actions and situations by executing the service use application. For example, the user terminal 10 acquires, via the network, access information obtained by the user, messages sent and received using a message application, and the like. Also, the user terminal 10 acquires an image captured using the camera (imaging means) of the user terminal 10 . Also, the user terminal 10 acquires psychosomatic information (for example, heart rate, wakefulness, etc.) from the wearable terminal. Also, the location of the user is identified by means of location information acquisition means (for example, GPS: Global Positioning System) of the user terminal 10 . Also, the voice of the user may be acquired using a microphone or the like.

The information providing site 15 is a computer system that provides information to each user. The information providing site 15 includes financial institutions that manage user's tangible assets, asset management sites such as real estate and movable property management companies, and the like.

The support device 20 is a computer system that evaluates the asset acquisition status of the user. The support device 20 includes a control unit 21 , a user information storage unit 22 , a score target storage unit 23 , a tangible asset information storage unit 24 , an intangible asset information storage unit 25 and a score information storage unit 26 .

The control unit 21 executes processing (including registration processing, acquisition processing, analysis processing, etc.) described later. By executing a service management program for this purpose, the control unit 21 functions as a registration unit 211 , an acquisition unit 212 and an analysis unit 213 .

The registration unit 211 executes processing for registering score items (scoring targets) set by the user.
The acquisition unit 212 executes processing for acquiring user status from the user terminal 10 and the information providing site 15 .

The analysis unit 213 performs a scoring process according to the user status (the state of the user's tangible assets and the intangible assets acquired by the user) acquired by the acquisition unit 212 . For this reason, the analysis unit 213 assigns a score based on the condition for assigning a score according to the degree of satisfaction of the condition. The analysis unit 213 may perform analysis using the entire assets owned by the user (absolute value information), or may perform analysis using change information due to new acquisition of assets.

Conditions for assigning scores to tangible assets include deposit balances, investee valuations, loan balances, acquisition of new financial assets, movable property, real estate, and the like.
Therefore, the analysis unit 213 determines the state of the tangible assets owned by the user based on the asset information acquired from the information providing site 15 . For example, to determine completion of loan repayment. Further, the analysis unit 213 may acquire information on the traded product based on the transaction information obtained using the user terminal 10, and determine the newly acquired tangible asset based on this product information. In addition, the analysis unit 213 may acquire a captured image from the user terminal 10, predict movable property owned by the user based on the subject image included in the captured image, and determine a newly acquired tangible asset.

For intangible assets, the conditions for giving a score are, for example, reading for a predetermined amount of time, acquiring new knowledge, participating in events, increasing the number of acquaintances, getting along well, and being clean. When you look at the scenery, when you feel good when you wake up, when you concentrate on your work, when you buy goods, and so on.

Therefore, the analysis unit 213 determines the tangible assets acquired by the user based on the information acquired from the user terminal 10 .
For example, the analysis unit 213 includes a memory for recording information about knowledge and experience possessed by the user, and a prediction model for inputting access information and outputting knowledge and experience. Then, the analysis unit 213 inputs the access information using the user terminal 10 to the prediction model, predicts the knowledge, experience, and intelligence acquired by the user, and performs scoring according to the newly acquired knowledge and experience. .

In addition, the analysis unit 213 predicts the user's mental and physical state (emotion, mood, health, sleep, etc.) based on wearable information (heart rate, body temperature) etc. acquired from the wearable terminal, Scoring may be performed. For this reason, the analysis unit 213 has a prediction model that inputs wearable information and outputs the psychosomatic state.

Further, the analysis unit 213 may predict the psychosomatic state of the user based on messages sent and received by a message application, and perform scoring according to the psychosomatic state as an intangible asset. For this reason, the analysis unit 213 has a prediction model that inputs a message and outputs a psychosomatic state.

Also, the psychosomatic state may be scored according to the timing. For example, the analysis unit 213 determines physical strength and energy from wearable information. Also, the analysis unit 213 identifies when the user wakes up from the wearable information, and determines the mood at that time from the wearable information. Further, the analysis unit 213 identifies the work state of the user from the operation information of the user terminal 10, and determines the degree of concentration at this time from the wearable information. Further, the analysis unit 213 identifies the time when the user purchased the product from the operation information of the user terminal 10, and determines the degree of satisfaction at that time from the wearable information.

In addition, the analysis unit 213 predicts the user's action content and action range based on the user's position information and operation information using the user terminal 10, and performs scoring according to the action content, action range, and experience as intangible assets. may be performed. For this reason, the analysis unit 213 has a prediction model that receives position information and operation information and outputs action details and action ranges. For example, the analysis unit 213 acquires the reading time of the electronic book from the operation information of the user terminal 10, and predicts the reading status for a predetermined time as the action content. Also, the analysis unit 213 detects the user's staying position, uses the information providing site 15 to specify an event at this staying position, and predicts the event participation status as the action content.

In addition, the analysis unit 213 predicts the atmosphere in which the user is placed based on images and sounds (voice and environmental sounds) acquired by the camera and microphone of the user terminal 10, and performs scoring according to the atmosphere as an intangible asset. You can do it. For this reason, the analysis unit 213 is provided with a prediction model that inputs captured images and collected sounds and outputs situations such as atmosphere. For example, the analysis unit 213 identifies the subject that the user is looking at from the captured image, and determines the situation (beautiful scenery) of the subject.

Also, the analysis unit 213 may predict the reliability of the user based on images (expressions), sounds (conversation), and the like acquired by the camera and microphone of the user terminal 10, and perform scoring according to the reliability. For this reason, the analysis unit 213 is provided with a prediction model that receives images (the other party's facial expressions) and sounds (conversation) and outputs the reliability status.

Also, the analysis unit 213 may predict the user's family status and personal connections based on messages sent and received by the message application of the user terminal 10, and perform scoring according to the family status and personal connections as intangible assets. For this reason, the analysis unit 213 is provided with a prediction model that inputs a message and outputs family status and personal connection status.

Also, the analysis unit 213 may predict a user's hobby based on access information or the like using the user terminal 10 and perform scoring according to the new hobby as an intangible asset. For this reason, the analysis unit 213 has a memory for recording information about the user's hobbies, and a prediction model for inputting access information and outputting hobbies.
Also, the analysis unit 213 may perform scoring by evaluating luck or the like based on access information using the user terminal 10, received messages, or the like. In this case, for example, a predictive model is used that scores the luck situation according to the wording included in the access information and the message.

As shown in FIG. 3A, a user management record 220 is recorded in the user information storage unit 22. As shown in FIG. This user management record 220 is recorded when user registration is performed. The user management record 220 records data on user IDs, application IDs, names, and attributes.

In the user ID data area, data regarding an identifier for specifying each user is recorded.
In the application ID data area, data relating to an identifier for specifying the application used by this user is recorded.
Data relating to the user's name and attributes are recorded in the name and attribute data areas.

As shown in FIG. 3B, a score target management record 230 is recorded in the score target storage unit 23 . This score target management record 230 is recorded when a score item is registered by the user. The score target management record 230 records data relating to user IDs, item IDs, contents, categories, and scoring conditions.

In the user ID data area, data regarding an identifier for specifying each user is recorded.
In the item ID data area, data regarding an identifier for specifying an item for which a score is calculated is recorded.
In the content data area, data regarding the content of the asset related to this item is recorded.

In the category data area, data relating to identifiers for specifying categories for which scores are set are recorded.
In the score assignment condition data area, data regarding conditions for assigning scores and scores to be assigned when the conditions are satisfied are recorded. For example, regarding the score for the intangible asset, the conditions for giving the score are set based on the information acquired from the user terminal 10 . As for the score for the tangible assets, information necessary for acquiring the asset information, such as the access destination of the information providing site 15 for acquiring information on the tangible assets and login authentication information, is set. In addition, the score given when the conditions are satisfied can be set to a minus as well as a plus.

As shown in FIG. 3(c), a tangible asset management record 240 is recorded in the tangible asset information storage unit 24. FIG. This tangible asset management record 240 is recorded when information about the user's tangible assets is obtained. The tangible asset management record 240 records data relating to the user ID, date and time of acquisition, content, market price, item ID, and score.

In the user ID data area, data regarding an identifier for specifying each user is recorded.
In the acquisition date data area, data relating to the date and time when the information relating to the tangible asset was acquired is recorded.
Data relating to the content of the acquired tangible asset is recorded in the content data area.
In the market value data area, data regarding the appraisal value of tangible assets is recorded.
In the item ID data area, data relating to identifiers for specifying acquired tangible assets are recorded.
In the score data area, data regarding scores for tangible assets are recorded.

As shown in FIG. 3(d), an intangible asset management record 250 is recorded in the intangible asset information storage unit 25. FIG. This intangible property management record 250 is recorded when information about the user's intangible property is obtained. In the intangible asset management record 250, data regarding user ID, date and time of acquisition, content, item ID, and score are recorded.

In the user ID data area, data regarding an identifier for specifying each user is recorded.
In the acquisition date and time data area, data relating to the date and time when the information relating to the intangible asset was acquired is recorded.
Data relating to the content of the acquired intangible asset is recorded in the content data area.

In the item ID data area, data relating to identifiers for identifying acquired intangible assets are recorded.
In the score data area, data relating to scores for intangible assets are recorded.

As shown in FIG. 3(e), a score management record 260 is recorded in the score information storage unit 26. FIG. This score management record 260 is recorded when scoring processing is performed. The score management record 260 records data relating to the user ID, aggregation period, tangible asset score, intangible asset score, and overall score.

In the user ID data area, data regarding an identifier for specifying each user is recorded.
Data relating to the period (daily, weekly, monthly, yearly, etc.) for which the score was calculated is recorded in the total period data area. Specifically, data related to the time when the score was aggregated is recorded, such as "Year XX Month XX", "Year XX Month XX Week", "Year XX Month", and "Year XX". .

In the tangible asset score and intangible asset score data areas, data relating to each score of tangible assets and intangible assets are recorded.
In the total score data area, data relating to the score (satisfaction level) set by the user himself/herself after looking back on the total period is recorded.

(Summary of processing)
First, the outline of the processing will be described with reference to FIG.
Here, the control unit 21 of the support device 20 executes user registration processing (step S101). Specifically, a user who wishes to use this service downloads a service use application. Then, when the service use application is activated, the user terminal 10 transmits activation information including the application ID to the support device 20 . In this case, the registration unit 211 of the control unit 21 of the support device 20 outputs a registration screen to the display device H13 of the user terminal 10. FIG. This registration screen includes input fields for names, attributes, and the like. When the completion of input to the registration screen is detected, the registration unit 211 of the control unit 21 acquires various information input to the registration screen. Then, the registration unit 211 creates a user management record 220 to which the user ID is assigned, records the application ID, name, and attributes, and registers it in the user information storage unit 22 .

Next, the control unit 21 of the support device 20 executes score design processing for tangible assets (step S102). Specifically, the registration unit 211 of the control unit 21 outputs a tangible asset score design screen to the display device H13 of the user terminal 10 . This tangible asset score design screen includes fields for setting asset details, access information, and scoring conditions. As the access information, the address of the information providing site 15 from which information on tangible assets can be obtained and login authentication information are set. When the completion of input to the tangible asset score design screen is detected, the registration unit 211 of the control unit 21 of the support device 20 acquires various information input to the tangible asset score design screen. Next, the registration unit 211 assigns item IDs and identifies tangible assets as categories. Then, the registration unit 211 generates a score target management record 230 that records the user ID, item ID, category, and score giving condition, and registers it in the score target storage unit 23 .

Next, the control unit 21 of the support device 20 executes intangible asset score design processing (step S103). Specifically, the registration unit 211 of the control unit 21 outputs an intangible asset score design screen to the display device H13 of the user terminal 10 . This intangible asset score design screen includes fields for setting asset details and scoring conditions. Then, when the completion of input to the intangible asset score design screen is detected, the registration unit 211 of the control unit 21 of the support device 20 acquires various information input to the intangible asset score design screen. Then, the registration unit 211 assigns an item ID and identifies the intangible asset as a category. Then, the registration unit 211 generates a score target management record 230 in which the user ID, content, item ID, category, and score giving conditions are recorded, and registers it in the score target storage unit 23 .

Next, the control unit 21 of the support device 20 executes scoring processing (step S104). Specifically, the acquisition unit 212 of the control unit 21 acquires information on tangible assets and intangible assets. Then, the analysis unit 213 of the control unit 21 performs scoring processing in accordance with the scoring conditions. This processing will be described later with reference to FIGS. 5 and 6. FIG.

Next, the control unit 21 of the support device 20 executes analysis processing (step S105). Specifically, the acquisition unit 212 of the control unit 21 evaluates the user's asset status using the acquired asset information. This processing will be described later with reference to FIG.

(tangible asset scoring process)
The tangible asset scoring process will be described with reference to FIG. This process is performed periodically.

First, the control unit 21 of the support device 20 executes tangible asset information acquisition processing (step S201). Specifically, the acquisition unit 212 of the control unit 21 acquires information on tangible assets from the user terminal 10 . Also, the acquisition unit 212 accesses the information providing site 15 using the access information set in the score giving condition of the score target storage unit 23 and acquires the user's asset information.

Next, the control unit 21 of the support device 20 executes asset update processing (step S202). Specifically, the acquisition unit 212 of the control unit 21 confirms whether or not the acquired tangible asset is recorded in the tangible asset information storage unit 24 . If it is recorded in the tangible asset information storage unit 24, the market price of the tangible asset is calculated. For example, in the case of financial assets, market price information is acquired from the information providing site 15 of the financial institution. In the case of real estate information, transaction price information (for example, route prices) is obtained from the information providing site 15 of the real estate company, and the appraisal value of the owned tangible assets is calculated. In the case of movable property, transaction price information is obtained from the information providing site 15 of the transaction site, and the appraisal value of the possessed tangible asset is calculated. Then, the acquisition unit 212 updates the market price recorded in the tangible asset management record 240 of the tangible asset information storage unit 24 . On the other hand, if it is not recorded in the tangible asset information storage unit 24 , the acquisition unit 212 creates a new tangible asset management record 240 and records it in the tangible asset information storage unit 24 .

Next, the control unit 21 of the support device 20 executes determination processing as to whether or not it is a score target (step S203). Specifically, the acquisition unit 212 of the control unit 21 acquires the content and market price of the newly updated or registered tangible asset management record 240 and the score giving condition recorded in the score target management record 230 of the score target storage unit 23. Compare with If the condition for assigning a score according to the content of the asset is set, it is determined to be a score target.

When it is determined that the condition for assigning a score according to the content of the asset is not set and the asset is not scored ("NO" in step S203), the control unit 21 of the support device 20 terminates the tangible asset scoring process. .

On the other hand, if it is determined to be scored ("YES" in step S203), the control unit 21 of the support device 20 executes score calculation processing (step S204). Specifically, the acquisition unit 212 of the control unit 21 calculates the score using the score assignment condition. The acquisition unit 212 then records the calculated score in the tangible asset management record 240 .

(Intangible assets scoring process)
The intangible asset scoring process will be described with reference to FIG. This process is performed periodically.

First, the control unit 21 of the support device 20 executes life log acquisition processing (step S301). Specifically, the acquisition unit 212 of the control unit 21 acquires the lifelog from the user terminal 10 . This life log includes access information, location history information, message information, wearable information acquired from the wearable terminal, and the like in the user terminal 10 .

Next, the control unit 21 of the support device 20 executes life log evaluation processing (step S302). Specifically, the acquisition unit 212 of the control unit 21 converts the content of the acquired life log into a format according to the score assignment condition. For example, a life log is used to predict a user's behavior. Also, the user's mental and physical condition is predicted using the life log. Also, the life log is used to predict the user's human relationship status.

Next, the control unit 21 of the support device 20 executes determination processing as to whether or not it is a score target (step S303). Specifically, the acquisition unit 212 of the control unit 21 compares the newly acquired life log with the score giving conditions recorded in the score target management record 230 of the score target storage unit 23 . If a condition for giving a score according to the life log is set, it is determined to be scored.

When it is determined that the conditions for giving scores according to the life log are not set and the life log is not to be scored ("NO" in step S303), the control unit 21 of the support device 20 terminates the intangible asset scoring process. .

On the other hand, if it is determined to be scored ("YES" in step S303), the control unit 21 of the support device 20 executes score calculation processing (step S304). Specifically, the acquisition unit 212 of the control unit 21 calculates the score using the score assignment condition. The acquisition unit 212 then records the calculated score in the intangible asset management record 250 .

(analytical processing)
Next, analysis processing will be described with reference to FIG. Here we identify events that affect other events.

First, the control unit 21 of the support device 20 executes asset score calculation processing (step S401). Specifically, the analysis unit 213 of the control unit 21 retrieves the tangible asset management record 240 of a predetermined period corresponding to daily, weekly, monthly, and yearly for each item ID from the tangible asset information storage unit 24. Extract. Next, the analysis unit 213 aggregates scores for each score item and for each aggregation period (daily, weekly, monthly, yearly) to calculate a tangible asset score.
The analysis unit 213 also extracts the intangible asset management record 250 of a predetermined period corresponding to daily, weekly, monthly, and yearly from the intangible asset information storage unit 25 for each item ID. Next, the analysis unit 213 aggregates scores for each score item and for each aggregation period (daily, weekly, monthly, yearly) to calculate an intangible asset score.
The analysis unit 213 then records the calculated tangible asset score and intangible asset score in the score management record 260 in association with the aggregation period.
Furthermore, the analysis unit 213 outputs a total score input screen to the display device H13 of the user terminal 10. FIG. The total score entry screen includes an entry field for the degree of satisfaction evaluated by the user looking back over the totaling period. Then, when the analysis unit 213 detects that the user has input the degree of satisfaction (total score) on the total score input screen, the analysis unit 213 records the inputted total score in the score management record 260 .

Next, the control unit 21 of the support device 20 executes score output processing (step S402). Specifically, the analysis unit 213 of the control unit 21 extracts the score management record 260 of the past predetermined period of aggregation (daily, weekly, monthly, yearly) from the score information storage unit 26, Get a tangible asset score, an intangible asset score, and an overall score. Then, the analysis unit 213 outputs the score screen to the display device H13 of the user terminal 10. FIG. This score screen includes information on the history of tangible asset scores, intangible asset scores, and total scores for each collection period (daily, weekly, monthly, and yearly) from the past.

Next, the control unit 21 of the support device 20 executes score analysis processing (step S403). Specifically, the analysis unit 213 of the control unit 21 reads from the score information storage unit 26, for each item ID, for each tangible asset and intangible asset, in the aggregation period (daily, weekly, monthly, yearly). For each score, calculate the percentage in the tangible asset score and the intangible asset score, respectively. In this way, the main asset score (tangible asset score or intangible asset score) that influences the tangible asset score and the intangible asset score is identified according to the height of the ratio.

Next, the control unit 21 of the support device 20 executes processing for calculating the correlation between scores (step S404). Specifically, the analysis unit 213 of the control unit 21 compares each score (tangible asset score, intangible asset score, total score) in chronological order and calculates each correlation coefficient. This evaluates the relationship between a specific score and other scores.

Next, the control unit 21 of the support device 20 executes advice information generation processing (step S405). Specifically, the analysis unit 213 of the control unit 21 outputs an advice screen to the display device H13 of the user terminal 10 . This advice screen includes information about the key asset scores that contribute to each score, and the asset relationships that are interrelated.

According to this embodiment, the following effects can be obtained.
(1) In the present embodiment, the control unit 21 of the support device 20 executes score design processing for tangible assets (step S102). As a result, the user-designed score can promote wealth accumulation with marketable tangible assets. Since the user designs it himself, it is easy to work by setting individual standards.

(2) In the present embodiment, the control unit 21 of the support device 20 executes intangible asset score design processing (step S103). Thereby, the acquisition status of the intangible property desired by the user can be grasped based on the score designed by the user himself/herself. Unlike tangible assets, intangible assets can be acquired in the course of our daily activities, thus extending our expectations of change.

(3) In the present embodiment, the control unit 21 of the support device 20 executes tangible asset scoring processing. This makes it possible to evaluate the status of the user's tangible assets based on the user's own criteria.

(4) In the present embodiment, the control unit 21 of the support device 20 executes intangible asset scoring processing. As a result, the user's intangible property status can be obtained from daily user information and evaluated based on unique criteria.

(5) In the present embodiment, the control unit 21 of the support device 20 executes analysis processing. As a result, it is possible to acquire the results of evaluation based on the user's own criteria. In addition, financial asset formation services can be provided to improve the score of tangible assets. Also, based on the scoring of tangible and intangible assets, the weighting of the user's evaluation criteria can be understood. Furthermore, by calculating the correlation of each score, it is possible to grasp the factors that increase each score due to the synergistic effect of each score target.
Further, the control unit 21 of the support device 20 outputs a score screen including information on the history of the tangible asset score, the intangible asset score, and the total score for each aggregation period. Thereby, the tangible/intangible asset score can be compared with the user's sensory overall score.

This embodiment can be implemented with the following modifications. This embodiment and the following modified examples can be implemented in combination with each other within a technically consistent range.
- In the above-described embodiment, the score target management record 230 is recorded in the score target storage unit 23 . For example, the number of times an application used for this service is used is set as a score item. This can promote the use of applications.
- In the above embodiment, the control unit 21 of the support device 20 executes score design processing for intangible assets (step S103). Here, the support device 20 may support score design for intangible assets. In this case, the support device 20 is provided with a life log storage unit. A life log obtained from the user terminal 10 is recorded in this life log storage unit. Furthermore, the registration unit 211 holds a recommendation evaluation table in which statistical values of each behavior of the user according to user attributes are recorded.

The score information registration process shown in FIG. 8 is executed.
First, the control unit 21 of the support device 20 executes trial period setting processing (step S501). Specifically, the registration unit 211 of the control unit 21 sets a trial period (preparation period) consisting of a predetermined number of days from the user registration date, and calculates the end date. Then, the registration unit 211 records the end date of the trial period in the user management record 220 of the user information storage unit 22 .

Then, the control unit 21 of the support device 20 executes life log acquisition processing (step S502). Specifically, the registration unit 211 of the control unit 21 acquires the lifelog from the user terminal 10 and records it in the lifelog storage unit.

Next, the control unit 21 of the support device 20 executes determination processing as to whether or not the trial period has ended (step S503). Specifically, the registration unit 211 of the control unit 21 determines whether the current date has reached the end date recorded in the user management record 220 .

If it is determined that the current date has not reached the end date and the trial period has not ended ("NO" in step S503), the control unit 21 of the support device 20 performs life log acquisition processing (step S502). to continue.

When the current date reaches the end date and it is determined that the trial period has ended ("YES" in step S503), the control unit 21 of the support device 20 executes life log evaluation processing, as in step S302. (step S504).

Next, the control unit 21 of the support device 20 executes score candidate identification processing (step S505). Specifically, the registration unit 211 of the control unit 21 compares the behavior of the user identified by evaluating the life log with the statistical values of the behavior in the recommendation evaluation table. Then, the registration unit 211 identifies score candidates (scoring target candidates) according to the comparison result. For example, when overcoming weaknesses, user behaviors lower than the statistical value are specified as score candidates, and when improving strengths, user behaviors higher than the statistical value are specified as score candidates.

Next, the control unit 21 of the support device 20 executes score target output processing (step S506). Specifically, the registration unit 211 of the control unit 21 outputs the score candidate screen to the display device H13 of the user terminal 10 . This score candidate screen includes information about the identified score candidate. The user confirms the score candidates and designs the score of the intangible asset.

- In the above embodiment, the control unit 21 of the support device 20 executes analysis processing. Here we provide information on the key asset scores that influence each asset score, and the asset relationships that are interrelated. Analysis processing is not limited to these. For example, score growth may be evaluated.

Analysis processing will be described with reference to FIG.
Here, the control unit 21 of the support device 20 sequentially identifies the score target management records 230 recorded in the score target storage unit 23, and repeats the following processing for each score target. In the following, the score target for intangible assets is used for explanation, but the same processing is performed for the score target for tangible assets.

First, the control unit 21 of the support device 20 executes score growth rate calculation processing (step S601). Specifically, the analysis unit 213 of the control unit 21 acquires the intangible asset management record 250 for the most recent predetermined period from the intangible asset information storage unit 25 . Then, the analysis unit 213 calculates the growth rate of the score of the intangible asset management record 250 in the most recent predetermined period.

Next, the control unit 21 of the support device 20 executes determination processing as to whether the growth rate is equal to or greater than the first reference value (step S602). Specifically, the analysis unit 213 of the control unit 21 compares the growth rate for the most recent predetermined period with the first reference value.

If the growth rate for the most recent predetermined period is less than the first reference value ("NO" in step S602), the control unit 21 of the support device 20 executes determination processing as to whether the growth rate is less than the second reference value. (step S603). Specifically, the analysis unit 213 of the control unit 21 compares the growth rate for the most recent predetermined period with the second reference value.

If the growth rate for the most recent predetermined period is less than the second reference value ("YES" in step S603), the control unit 21 of the support device 20 executes registration processing as a monitoring item (step S604). Specifically, the analysis unit 213 of the control unit 21 identifies the score target as the monitoring item and records the monitoring item flag in the score target management record 230 .

On the other hand, if the growth rate for the most recent predetermined period is equal to or greater than the second reference value ("NO" in step S603), the control unit 21 of the support device 20 skips the registration process (step S604) as a monitoring item.

Further, when the growth rate in the most recent predetermined period is equal to or greater than the first reference value ("YES" in step S602), the control unit 21 of the support device 20 executes determination processing as to whether or not it is a monitoring item (step S605). ). Specifically, the analysis unit 213 of the control unit 21 confirms whether or not the monitoring item flag is recorded in the score target management record 230 .

If a monitoring item flag is recorded in the score target management record 230 and it is determined to be a monitoring item ("YES" in step S605), the control unit 21 of the support device 20 executes bonus score giving processing ( step S606). Specifically, the analysis section 213 of the control section 21 records the bonus score in the intangible asset management record 250 .

On the other hand, if the monitoring item flag is not recorded in the score target management record 230 and it is determined that it is not a monitoring item ("NO" in step S605), the control unit 21 of the support device 20 performs bonus score giving processing. (Step S606) is skipped. In this case, a normal score will be given.
The above processing is repeated until all score targets are completed.

As a result, an item with a poor growth rate can be alerted as a monitoring item. In addition, when a score target (monitoring item) with a poor growth rate is improved, it is possible to promote asset acquisition by changing the score calculation method and giving a bonus. Note that the relationship between the first reference value and the second reference value is not limited to the above, and may be the same value.

- In the above embodiment, the control unit 21 of the support device 20 executes analysis processing. Here, a tangible asset score and an intangible asset score are calculated. The score calculation method is not limited to this. A score may be calculated for each asset category.

In this case, one or more categories to which the score target belongs are registered for each score target.
Then, the score analysis process shown in FIG. 10 is executed.

Here, the control unit 21 of the support device 20 sequentially identifies the user management records 220 recorded in the user information storage unit 22, and repeats the following processing for each user. Further, the control unit 21 of the support device 20 sequentially identifies the score target management records 230 recorded in the score target storage unit 23, and repeats the following processing for each score target. In the following, the score target for intangible assets is used for explanation, but the same processing is performed for the score target for tangible assets.

The control unit 21 of the support device 20 executes a process of identifying the category to which the score target belongs (step S701). Specifically, the analysis unit 213 of the control unit 21 uses the intangible asset management record 250 to identify one or more categories to which the score target belongs.

Next, the control unit 21 of the support device 20 executes score distribution processing to the specified category (step S702). Specifically, the analysis unit 213 of the control unit 21 divides the intangible asset management record 250 for each specified category for this score target score. Then, the analysis unit 213 adds the divided scores to the total score value associated with the category.
The above processing is repeated for all score targets of this user.

Next, the control unit 21 of the support device 20 executes score output processing for each category (step S703). Specifically, the analysis unit 213 of the control unit 21 outputs an advice screen to the display device H13 of the user terminal 10 . This advice screen includes information about scores for each category.

- In the above embodiment, the control unit 21 of the support device 20 executes analysis processing. Here, the progress may be output for each score target with respect to the final goal. In this case, the final target score is recorded in the score target storage unit 23 in association with the item ID. Then, the control unit 21 of the support device 20 calculates the total score of this item, and outputs the ratio (achievement level) to the final target score included in the score screen.

Milestones may also be set for the final goal. In this case, an intermediate target score, which is a milestone, is recorded in the score target storage unit 23 with respect to the final target score. The control unit 21 of the support device 20 calculates the total score of this item, and outputs the score screen including the degree of achievement of the intermediate target score.

- In the above embodiment, the user is provided with a service that promotes the acquisition of assets. In addition, with the user's consent, the user's score target and information on tangible and intangible assets may be provided to a third party.

In this case, the price for the provision may be given to the user.
Also, under certain conditions, the score target and the score may be disclosed to a third party as the user's identity. For example, in job hunting/marriage hunting, score information is provided to disclosure destinations specified by the user.

Also, the score target and the score may be made public to receive comments from viewers. Then, a score may be given according to the comment. In this case, the score to be added according to the comment is recorded in the score target storage unit 23 .

- In the above-described embodiment, the score target management record 230 is recorded in the score target storage unit 23 . Data relating to user IDs, item IDs, categories, and scoring conditions are recorded in this score target management record 230 . For intangible assets, conditions are set for giving scores according to user behavior, for example. Here, a score to be added according to the continuity of actions may be set. In this case, the control unit 21 of the support device 20 identifies score targets to which scores have been assigned on a daily basis. Then, the control unit 21 of the support device 20 gives a preset bonus score to the score targets to which the scores have been consecutively given. This bonus score may increase according to the length of consecutive days.

DESCRIPTION OF SYMBOLS 10... User terminal, 20... Support apparatus, 21... Control part, 211... Registration part, 212... Acquisition part, 213... Analysis part, 22... User information storage part, 23... Score target storage part, 24... Tangible asset information storage Section, 25... Intangible property information storage section, 26... Score information storage section.

Claims (9)

a scoring target storage unit that records information about scoring targets and scoring conditions specified by the user;
a score information storage unit that records the score given according to the score giving condition;
A service management device comprising a control unit connected to a user terminal,
The control unit
Obtaining a scoring target from the user terminal according to the user's request and recording it in the scoring target storage unit;
obtaining asset information associated with the user;
In the asset information, when the scoring target recorded in the score target storage unit is specified, a score is recorded in the score information storage unit according to the score assignment condition for the asset information,
A service management device, characterized in that it periodically outputs information about changes in scores recorded in said score information storage unit to said user terminal. The control unit
acquiring asset information related to the user during a predetermined preparation period;
identifying a candidate for scoring in the asset information;
2. The service management apparatus according to claim 1, wherein the scoring target is obtained from the scoring target candidates. 3. The service management apparatus according to claim 1, wherein the control unit specifies score correlation among a plurality of scoring targets and outputs the correlation to the user terminal. The control unit
Acquiring access information of the user as the asset information,
4. The service management apparatus according to claim 1, wherein the access information is used to specify the scoring target. The control unit
Acquiring change information of assets of the user as the asset information,
The service management device according to any one of claims 1 to 4, wherein the scoring target is specified using the variation information. The control unit
Calculate the growth rate in the change of the score,
Outputting a scoring target whose elongation rate is less than a reference value,
6. The service management apparatus according to any one of claims 1 to 5, wherein a score calculation method is changed when the growth rate of the score to be scored exceeds the reference value. The control unit
Identifying a category to which each scoring target acquired from the user terminal belongs,
Distributing the scores to be scored to the identified categories,
7. The service management apparatus according to any one of claims 1 to 6, wherein a total of said distributed scores is calculated for each of said categories. a scoring target storage unit that records information about scoring targets and scoring conditions specified by the user;
a score information storage unit that records the score given according to the score giving condition;
A method for supporting a user using a service management device comprising a control unit connected to a user terminal,
The control unit
Obtaining a scoring target from the user terminal according to the user's request and recording it in the scoring target storage unit;
obtaining asset information associated with the user;
In the asset information, when the scoring target recorded in the score target storage unit is specified, a score is recorded in the score information storage unit according to the score assignment condition for the asset information,
A service management method, characterized in that information relating to changes in scores recorded in said score information storage unit is periodically output to said user terminal. a scoring target storage unit that records information about scoring targets and scoring conditions specified by the user;
a score information storage unit that records the score given according to the score giving condition;
A program for supporting a user using a service management device comprising a control unit connected to a user terminal,
the control unit,
Obtaining a scoring target from the user terminal according to the user's request and recording it in the scoring target storage unit;
obtaining asset information associated with the user;
In the asset information, when the scoring target recorded in the score target storage unit is specified, a score is recorded in the score information storage unit according to the score assignment condition for the asset information,
A service management program characterized by functioning as means for periodically outputting information relating to changes in scores recorded in said score information storage unit to said user terminal.

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