JP2024036875A - Information processing device, information processing method, and information processing program - Google Patents

Abstract

An object of the present invention is to provide an information processing device, an information processing method, and an information processing program that can improve user convenience. An information processing device according to the present application includes a generating section and a providing section. The generation unit generates category display information that is information indicating each category in a manner according to the investment state for each category of investment target products. The providing unit provides the category display information generated by the generating unit. [Selection diagram] Figure 4

Description

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

Traditionally, financial institutions, securities companies, etc. have been engaged in the business of proposing and selling investment products such as financial products to individuals, and such business has also been supported by information processing devices. . Patent Document 1 discloses a technique that, when a category such as a theme is selected, provides information regarding the selected category.

Japanese Patent Application Publication No. 2018-072954

However, the above-described conventional technology only provides a category display screen that selectably includes a plurality of categories, and there is still room for improvement in terms of improving user convenience.

The present application has been made in view of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can improve user convenience.

The information processing device according to the present application includes a generation section and a provision section. The generation unit generates category display information that is information indicating each category in a manner according to the investment state for each category of investment target products. The providing unit provides the category display information generated by the generating unit.

According to one aspect of the embodiment, user convenience can be improved.

FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. FIG. 2 is a diagram illustrating an example of the configuration of the information processing system according to the embodiment. FIG. 3 is a diagram illustrating an example of the configuration of the terminal device according to the embodiment. FIG. 4 is a diagram illustrating an example of the configuration of the information processing device according to the embodiment. FIG. 5 is a diagram illustrating an example of a user information table stored in the user information storage unit according to the embodiment. FIG. 6 is a diagram illustrating an example of a portfolio information table stored in the portfolio information storage unit according to the embodiment. FIG. 7 is a diagram illustrating an example of an investment target product information table stored in the investment information storage unit according to the embodiment. FIG. 8 is a diagram illustrating an example of home information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. FIG. 9 is a diagram illustrating an example of category display information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. FIG. 10 is a diagram illustrating another example of category display information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. FIG. 11 is a diagram illustrating an example of ranking information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. FIG. 12 is a diagram illustrating another example of ranking information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. FIG. 13 is a diagram illustrating an example of target user portfolio information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. FIG. 14 is a diagram illustrating an example of detailed investment product information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. FIG. 15 is a diagram illustrating another example of investment target product detailed information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. FIG. 16 is a flowchart illustrating an example of information processing by the processing unit of the information processing apparatus according to the embodiment. FIG. 17 is a hardware configuration diagram showing an example of a computer that implements the functions of the information processing device and the terminal device according to the embodiment.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Below, an information processing apparatus, an information processing method, and a form for implementing an information processing program (hereinafter referred to as an "embodiment") according to the present application will be described in detail with reference to the drawings. Note that the information processing apparatus, information processing method, and information processing program according to the present application are not limited to this embodiment. Moreover, each embodiment can be combined as appropriate within the range that does not conflict with the processing contents. Further, in each of the embodiments below, the same parts are given the same reference numerals, and redundant explanations will be omitted.

[1. An example of information processing]
First, an example of information processing according to the embodiment will be described using FIG. 1. FIG. 1 is a diagram illustrating an example of information processing according to an embodiment.

The information processing device 1 shown in FIG. 1 is an information processing device that cooperates with the terminal device 2 of the user U and provides various information to the user U online, and is realized by, for example, one or more servers or a cloud system. Ru. Note that although one terminal device 2 is shown in the example shown in FIG. Provided to U.

The information provided to the user U by the information processing device 1 is, for example, information related to finance, electronic commerce, or web search, but is not limited to such examples. In the following, a case where the information mainly provided by the information processing device 1 is information related to finance will be described as an example. Below, a service that provides information on finance may be referred to as a finance information service.

As shown in FIG. 1, when the user U performs a predetermined operation on the terminal device 2 in order to obtain investment-related information that is information related to investment products, the information processing device 1 is transferred from the terminal device 2 to the information processing device 1. An investment-related information request is sent (step S1). In the following, the user U of the terminal device 2 who transmitted the investment-related information request may be referred to as the target user.

When the information processing device 1 receives an investment-related information request from the terminal device 2, the information processing device 1 retrieves target user portfolio information, which is information indicating the portfolio of the target user who is the user U of the terminal device 2, from an internal storage unit or an external device. Obtain (step S2).

Further, the information processing device 1 acquires similar user portfolio information, which is information indicating a portfolio of a similar user who is another user U similar to the target user, from an internal storage unit or an external device (step S3).

A similar user is, for example, a user U who is similar to the target user in at least one of an attribute and a composition ratio of a portfolio. The attributes include, for example, demographic attributes and psychographic attributes. The information processing device 1 has attribute information that is information indicating the attributes of each user U. For example, if the target user is a man in his 30s living in Tokyo with an annual income of 5 million yen, the annual income is 5 million yen. A man in his 30s residing in Tokyo is determined to be a similar user.

The composition ratio of the target user's portfolio is, for example, the ratio of the total amount (for example, total evaluation value) of each category of investment target products held by the target user. In addition to financial products, investment products include precious metal products such as gold, silver, and platinum, commodity products such as crude oil, wheat, and soybeans, and non-financial products such as real estate products. Categories of investment target products include, for example, Japanese stocks, US stocks, bonds, investment trusts, REITs (Real Estate Investment Trusts), ETFs (Exchange-Traded Funds), real estate, precious metals, and virtual currencies.

For example, the categories of investment products held by the target user are Japanese stocks, investment trusts, and REITs, and the target user owns 10 million yen worth of Japanese stocks, 5 million yen worth of investment trusts, and 5 million yen worth of REITs. Suppose you own it. In this case, the composition ratio of the portfolio is 50% Japanese stocks, 25% investment trusts, and 25% REITs.

The portfolio composition ratios being similar means, for example, that the difference between the evaluation values of each category is within a predetermined range, and the predetermined range is, for example, within 20%. The range is not limited to this example, and may be a range specified by the target user, for example. Furthermore, for the portfolios to have similar composition ratios, for example, some categories may not be included.

Further, the information processing device 1 can also determine, for example, another user U who has similar attributes to the target user and has a larger investment amount than the target user as a similar user. The information processing device 1 calculates, for each user U, the total price (evaluation value) of investment target products held by the user U as an investment amount based on the information of the user U's portfolio, and based on the calculated investment amount. , similar users can be determined.

Further, the information processing device 1 can also determine, for example, another user U who has similar attributes to the target user and who has a large operational profit as a similar user. The information processing device 1 calculates the investment profit of the total investment target products held by the user U for each user U based on the portfolio information of the user U, and determines similar users based on the calculated investment profit. I can do it. Investment profits may be short-term (e.g., a preset period of one year or less), medium-term (e.g., a preset period of 1 year or more but less than 5 years), or long-term (e.g., a preset period of 5 years or more). This is investment profit.

Further, the information processing device 1 can also determine, for example, another user U whose portfolio composition ratio is similar to that of the target user and whose investment amount is larger than that of the target user, as a similar user. Further, the information processing device 1 can also determine, for example, another user U whose portfolio composition ratio is similar to that of the target user and whose investment profit is larger than that of the target user, as a similar user.

Subsequently, the information processing device 1 determines a proposed product that is an investment target product to be proposed to the target user based on the target user portfolio information acquired in step S2 and the similar user portfolio information acquired in step S3 (step S4 ). In the process of step S4, the information processing device 1 determines a first proposed product and a second proposed product as investment target products to be proposed to the target user.

First, the first proposed product will be explained. Based on the target user portfolio information, the information processing device 1 determines, as the first proposed product, an investment target product that can maintain the composition ratio of the target user's portfolio within a predetermined fluctuation range.

The predetermined fluctuation range is, for example, a range within which the fluctuation rate of each category is within 10% or a range within which the fluctuation rate of each category is within 20%, but is not limited to such examples, and may also be determined by the target user. It may be a specified variation range. In the following, a predetermined variation range may be referred to as a prescribed variation range, a portfolio composition ratio may be simply referred to as a composition ratio, and a target user's portfolio may be referred to as a target user portfolio.

For example, the information processing device 1 determines, as the first proposed product, an investment product to be proposed to the target user as an investment product to be added to the target user's portfolio. Furthermore, the information processing device 1 determines an investment target product to be proposed to the target user as a first proposed product to be replaced with an investment target product included in the target user's portfolio. In the following, an investment target product that is included in the target user portfolio and is a candidate for replacement with the first proposed product may be referred to as a replacement candidate product.

For example, the information processing device 1 determines, as the first proposed product, an investment product that is not included in the target user's portfolio and is owned by a similar user. For example, the information processing device 1 is an investment product whose composition ratio falls within a prescribed fluctuation range when added to the target user portfolio, and where the number of purchased similar users satisfies a predetermined first condition. The target product is determined as the first proposed product.

The first condition is, for example, an investment product for which the number of purchased similar users is greater than or equal to a threshold value or the highest, or an investment product whose number of purchased similar users is greater than or equal to a threshold value or has the highest number from a predetermined period to the present. Although the target products are not limited to this example.

Further, the information processing device 1 may, for example, set an investment target product included in the target user portfolio and designated by the target user as a replacement candidate product, and select an investment target product similar to the replacement candidate product as the first investment target product. It can be determined as a proposed product.

The investment target product similar to the replacement candidate product is, for example, a product of the same category and similar price, and is an investment target product that is predicted to yield a larger profit for the user U than the replacement candidate product. The profit obtained by user U is operational profit including dividends and the like.

Furthermore, the information processing device 1 can also determine, as replacement candidate products, investment products that are estimated to no longer satisfy the holding purpose for which the target user holds them, among the investment target products included in the target user's portfolio. .

In this case, the information processing device 1, for example, determines, as the first proposed product, an investment product that is not included in the target user's portfolio and is estimated to satisfy the holding purpose that the replacement candidate product no longer satisfies. . When the investment target product is a stock brand product, the purpose of holding is, for example, specific shareholder benefits or dividends (including predicted dividends).

For example, the information processing device 1 determines, as a replacement candidate product, an investment product for which a specific shareholder benefit is no longer available among a plurality of investment product products included in the target user portfolio. The information processing device 1 determines an investment target product that is not included in the target user portfolio and has a specific shareholder benefit as the first proposed product. Shareholder benefits include the provision of food products, gift certificates, coupons, gift certificates, shareholder benefit cards, and the like.

When the information processing device 1 determines a product of a stock brand for which the provision of food items as a shareholder benefit has been discontinued as a replacement candidate product, the information processing device 1 selects a product of a stock brand for which the provision of food products as a shareholder benefit has been discontinued as the first proposed product. Determine as.

Further, the information processing device 1 determines, for example, an investment target product whose dividend reduction rate in a predetermined period is equal to or higher than a threshold value among the investment target products included in the target user portfolio as a replacement candidate product. Then, the information processing device 1 determines, as the first proposed product, an investment product that is not included in the target user portfolio and has a payout ratio equal to or higher than the dividend payout ratio of the replacement candidate product before the reduction in dividends.

The information processing device 1 determines, as the first proposed product, an investment product whose composition ratio falls within a specified fluctuation range after replacement and which satisfies a predetermined second condition in which the number of similar users who have purchased the product You can also do that.

The second condition is, for example, an investment target product for which the number of purchased similar users is more than a threshold or the highest, or an investment product whose number of purchased similar users is more than a threshold or the highest from a predetermined period to the present. Although the target products are not limited to this example.

Next, the second proposed product will be explained. The information processing device 1 compares the target user portfolio information and the similar user portfolio information, and determines the second proposed product based on the comparison result.

For example, the information processing device 1 determines an investment product to be added to the target user's portfolio as a second proposed product, or determines an investment product to be proposed to the target user as a second proposed product to be replaced with an investment product included in the target user's portfolio. 2.Determine it as a proposed product.

The information processing device 1 determines, as the second proposed product, an investment target product whose possession approaches the composition ratio of a similar user's portfolio. For example, the information processing device 1 makes a second proposal of an investment product that, when held, approaches the composition ratio of similar users' portfolios and satisfies a predetermined third condition in which the number of held similar users satisfies a predetermined third condition. Decided as a product.

The third condition is, for example, an investment target product in which the number of similar users held is at least a threshold value or the highest, or the number of similar users held in a period from before a predetermined period to the present day is at least a threshold value. or the most expensive investment product, but is not limited to such examples.

Subsequently, the information processing device 1 acquires information on the behavior history of the user of interest, who is another user U in which the target user has an interest, from an internal storage unit or an external device (step S5).

The interested target user is another user U specified by the target user, another user U who is estimated to have an interest in the target user, or the like. The information processing device 1 can estimate other users U in which the target user is interested.

For example, the information processing device 1 may check other users U who have posted blogs whose number of views or viewing frequency by the target user is equal to or higher than a threshold, other users U who the target user follows on SNS, or Other users U of the portfolio whose number of views or frequency of views is equal to or higher than a threshold are estimated as users of interest. Further, the information processing device 1 can also estimate, for example, another user U designated as a user of interest by a similar user as a user of interest.

In addition, the information processing device 1 estimates that another user U who has posted a comment whose number of views or frequency of viewing by the target user is equal to or higher than the threshold value is a user of interest, or if the number of views or frequency of viewing by the target user is equal to or higher than the threshold value. It is also possible to estimate another user U who has posted content such as a certain news article as a user of interest.

In addition, the information processing device 1 estimates other users U who have posted comments for which the number or frequency of positive evaluations (for example, "likes") by the target user is equal to or higher than a threshold value as the target user of interest, or It is also possible to estimate other users U who have posted content such as news articles whose number of views or frequency of views is equal to or higher than a threshold value as users of interest.

Further, the information processing device 1 can also estimate another user U who has a portfolio similar to the target user's portfolio in composition ratio, investment target product (for example, stock brand), etc., as an interested target user.

The information on the behavior history of the interested user includes, for example, information on the behavior history of the interested user in the financial information service provided by the information processing device 1. Information on the behavior history of the interested user includes, for example, search history information of the interested user in the financial information service, browsing history information of the interested user in the financial information service, transaction history information of the interested user, and the like. but not limited to.

The transaction history information of the interested user is, for example, information on purchased investment products set by the interested user or information on investment products purchased by the interested user provided from an external information processing device. , but not limited to such examples.

Subsequently, the information processing device 1 generates investment-related information that is information related to investment (step S6). The investment related information includes information indicating the first proposed product, information indicating the second offered product, and information according to the behavior history of the user of interest.

The information according to the behavior history of the user of interest includes currently viewed information, which is information that the user of interest is viewing, and information that has been viewed, which is information that the user of interest has viewed. The viewed information is information whose viewing frequency by the interested user is equal to or higher than a threshold value, or information that has been viewed by the interested user in a period from before a predetermined period to the present or immediately before. In the following, information according to the behavior history of the interested user may be referred to as interested user information.

Further, the interested user information may include, for example, instead of or in addition to the currently viewing information and the viewed information, information on investment target products that the interested user has purchased or sold.

Furthermore, based on the relationship between the transaction history information and the viewing history information of the interested user, the information processing device 1 can also set the currently viewed information and the viewed information according to the relationship as the interested user information. . In this case, the information processing device 1, for example, based on the relationship between the transaction history information of the user of interest and the viewing history information of the user of interest, which corresponds to the transaction history information of the target user, performs browsing according to the relationship. Medium information and viewed information can also be used as interested user information.

For example, the information processing device 1 may transfer information that is referenced or referred information by an interested user who owns the same investment product as the target user when trading the investment product to the interested user information. It is also possible to generate investment-related information that includes: In this case, the interested user information may include, for example, the above-mentioned reference information as well as the string ``Other users U who have sold the same investment product as you (for example, stocks of brand A) have viewed this information just before. This includes information such as "I was there."

Further, the interested user information is not limited to information on one interested user, but may include information on a plurality of interested users. The information processing device 1 can also use information according to a statistical trend obtained from the action history of a plurality of interested users as interested user information.

For example, the information processing device 1 may display information that has been viewed in the most recent predetermined period (for example, today's morning) by more than a threshold (for example, 55%) of a plurality of specific interested users; The information being viewed can also be user information of interest. The specific plurality of interested users is, for example, a predetermined percentage (for example, 70%) or more of the plurality of interested users specified by the subject user or estimated by the information processing device 1. be.

Furthermore, the information processing device 1 can also set information according to the statistical trend of transaction history based on the results of browsing by the interested user as interested user information. For example, the information processing device 1 may store investment products that have been traded (e.g., purchased or sold) after a threshold number or more of interested users among a plurality of specific interested users have viewed information in the most recent predetermined period. Information on investment target products that account for a specific percentage (for example, 50%) or more of the investment target products can also be set as interested user information.

For example, the information that a threshold value (for example, 55%) or more of the interested users among a plurality of specific interested users have viewed in the most recent predetermined period (for example, this morning) is investment target product A, B. , C, and their viewing rates are 60%, 30%, and 10%. In this case, the information processing device 1 sets the information on the investment target product A as the interested user information. Note that the information processing device 1 can also estimate the above-mentioned similar users as users of interest.

The information processing device 1 can highlight the interested user information among the investment-related information compared to other information. Highlighting is performed by, for example, making characters, frames, backgrounds, etc. different from other areas.

For example, the information processing device 1 performs highlighted display by increasing the size of the characters, making the characters bold, or changing the color of the characters to a conspicuous color (for example, red). Additionally, the information processing device 1 performs highlighting by making the frame surrounding the user information of interest thicker, by making the color of the frame surrounding the user information of interest a more noticeable color, and by making the background color a more noticeable color. be able to.

Subsequently, the information processing device 1 transmits the investment-related information generated in step S6 to the terminal device 2, and provides the investment-related information to the user U of the terminal device 2 (step S7). The terminal device 2 receives investment-related information transmitted from the information processing device 1 and displays the received investment-related information.

Note that the information processing device 1 can notify the terminal device 2 of the interested user information at a timing different from the transmission timing of the investment-related information. For example, the information processing device 1 pushes the new interested user information at the timing when it is determined that there is new interested user information (for example, when it is determined that there is currently viewing information or viewed information). It is possible to notify the terminal device 2 in the form of a type.

Furthermore, instead of or in addition to the new user information of interest, the information processing device 1 can also notify the terminal device 2 of number information that is information indicating the number of new user information of interest. By selecting the number information displayed on the terminal device 2, the target user can cause the terminal device 2 to display new interested user information for the number indicated by the number information.

In the example shown in (a) of FIG. 1, the investment-related information displayed on the terminal device 2 includes composition ratio information, news information, information indicating the first proposed product, information indicating the second proposed product, and interested user It includes information, category display buttons, ranking display buttons, etc.

The composition ratio information is information indicating the composition ratio of the target user portfolio. The news information is information indicating news regarding investment, and is, for example, news information extracted according to the interests of the target user. The interested user information is information based on the action history of the interested user.

The category display button is a GUI (Graphical User Interface) button for causing the terminal device 2 to display category display information, which is information indicating a category list from which the user U can check and select categories. The ranking display button is a GUI that allows the terminal device 2 to display ranking information, which is information indicating portfolio rankings, investment-related product rankings, and the like.

When displaying category display information on the terminal device 2, the user U operates the terminal device 2 to operate the category display button described above. As a result, a category display information request is transmitted from the terminal device 2 to the information processing device 1 (step S8).

When the information processing device 1 receives the category display information request transmitted from the terminal device 2, it generates category display information (step S9). In the process of step S9, the information processing device 1 generates category display information that is information indicating each category in a manner according to the investment state for each category of investment target. Categories of investment targets include, for example, Japanese stocks, US stocks, bonds, investment trusts, REITs, ETFs, real estate, precious metals, and virtual currencies, but are not limited to these examples.

The investment state is at least one of the number of users U who own the investment target products included in the category and the total amount (total evaluation value) of the investment target products included in the category. In the following, the number of users who own investment products included in a category (user U) is described as the number of users who own the products, and the total amount (total evaluation value) of investment products included in the category is described as the category evaluation value. There are cases where

For example, the information processing device 1 generates information indicating each category as category display information in a manner that increases the degree of emphasis as at least one of the number of owned users and the category evaluation value increases, as a manner according to the investment state. . When the information indicating a category is a figure containing characters indicating the category, the larger the letter indicating the category or the figure indicating the category, the higher the degree of emphasis.

For example, if the information indicating a category is a figure that includes text, the information processing device 1 may emphasize the figure or text indicating the category as the category is larger in at least one of the number of owned users and the category evaluation value. generates information indicating each category as category display information.

In addition, the information processing device 1 displays, as category display information, information that shows an investment category, which is a category in which the target user has invested, in a different manner from an uninvested category, which is a category in which the target user has not invested, among the plurality of categories. generate. The category in which the target user has invested is the category of investment target products held by the target user, and the category in which the target user has not invested is the category in which the target user does not own any investment target product. It is a category.

The information processing device 1 makes the investment category different from the non-investment category by, for example, highlighting the investment category more than the non-investment category. Thereby, the user U can easily determine the investment category.

Further, the information processing device 1 generates, as category display information, information in which a figure indicating an investment category among the plurality of categories is placed closer to the reference position than a figure indicating an uninvested category. This allows the user U to more easily determine the investment category.

The reference position is, for example, the central area of the category display information, but is not limited to this example. For example, if scrolling is required to display all of the category display information, the reference position may be the center of the area displayed in first view in the category display information.

In addition, the information processing device 1 places the information indicating an uninvested category, which is a category in which the target user has not invested, and which has a large number of similar users who own investment target products, at a position closer to the reference position. This information can also be generated as category display information.

Subsequently, the information processing device 1 transmits the category display information generated in step S9 to the terminal device 2, and provides the category display information to the user U of the terminal device 2 (step S10). The terminal device 2 receives the category display information transmitted from the information processing device 1 and displays the received category display information.

In the example shown in FIG. 1(b), the category display information displayed on the terminal device 2 includes information indicating each of a plurality of categories: Japanese stocks, US stocks, bonds, investment trusts, REITs, ETFs, and real estate. , precious metals, and virtual currencies.

In the category display information shown in FIG. 1(b), the shapes representing the categories become smaller in the order of Japanese stocks, investment trusts, real estate, bonds, precious metals, ETFs, REITs, US stocks, and virtual currencies. If the mode according to the investment status for each category is the mode according to the number of users owning the product, the user U can easily understand that the larger the graphic indicating the category, the larger the number of users owning the category. In the following, a figure indicating a category or a figure indicating a category including information of characters indicating a category may be referred to as a category figure. The category graphic shown in FIG. 1B includes character information indicating a category within a circular frame, but the shape of the frame is not limited to a circle.

In addition, the information processing device 1 allows the user U to easily understand that the larger the shape indicating the category, the larger the category evaluation amount, when the mode according to the investment status for each category is the mode according to the category evaluation amount. can do. Note that the information processing device 1 can calculate a score obtained by weighted addition of the number of owned users and the category evaluation amount, and can make the category shape larger for a category with a higher score.

Furthermore, in the category display information shown in FIG. 1B, category shapes representing each of Japanese stocks, US stocks, bonds, investment trusts, and precious metals are highlighted compared to other categories. Thereby, the target user can easily understand that the target user owns Japanese stocks, US stocks, bonds, investment trusts, and precious metals.

In addition, in the category display information shown in Figure 1(b), a category shape representing Japanese stocks is placed in the area including the reference position, and category shapes representing each of U.S. stocks, bonds, investment trusts, and precious metals are also placed. It is placed close to the reference position. This also allows the target user to easily understand that he/she owns Japanese stocks, US stocks, bonds, investment trusts, and precious metals.

With the category display information shown in FIG. 1(b) being displayed on the terminal device 2, the user U selects one of the plurality of category shapes by operating the terminal device 2. be able to.

When a category figure is selected by the user U, the information processing device 1 stores information in which figures indicating a plurality of subcategories included in the category indicated by the selected category figure are arranged around the selected category figure. Generate as display information. Then, the information processing device 1 transmits the generated category display information to the terminal device 2 and causes the terminal device 2 to display the category display information.

Next, ranking information will be explained. When displaying ranking information on the terminal device 2, the user U operates the terminal device 2 to operate the ranking display button described above. As a result, a ranking information request is transmitted from the terminal device 2 to the information processing device 1 (step S11).

When the information processing device 1 receives the ranking information request transmitted from the terminal device 2, it generates ranking information (step S12). In the process of step S12, the information processing device 1 generates ranking information based on the portfolios of the plurality of users U.

For example, the information processing device 1 generates information ranking portfolios based on portfolio information of a plurality of users U as ranking information. The information ranking the portfolio is, for example, at least one of the information ranking the evaluation value of the portfolio and the information ranking the investment profit of the portfolio. In the following, portfolio rankings may be referred to as portfolio rankings, and portfolio ranking information may be referred to as portfolio ranking information.

Further, the information processing device 1 can generate, as portfolio ranking information, information in which a plurality of portfolios including the target user's portfolio and portfolios of other plurality of users U whose attributes are similar to the target user are ranked. . A user U whose attributes are similar to the target user is a user U who shares some attribute items (for example, gender, age, location, annual income, etc.) with the target user, and some attribute items are, for example, similar to the target user. It can be specified by

Further, the information processing device 1 generates, as portfolio ranking information, information ranking a plurality of portfolios including the target user's portfolio and portfolios of a plurality of other users U whose composition ratios of portfolios are similar to that of the target user. You can also do it. The portfolio composition ratios being similar means, for example, that the difference between the evaluation values of each category is within a predetermined range, and the predetermined range is, for example, within 20%. The range is not limited to this example, and may be a range specified by the target user, for example.

Furthermore, the information processing device 1 generates ranking information that includes investment proposal information that is investment information necessary for the target user's portfolio to rank up in the portfolio ranking. The investment proposal information is, for example, information indicating the amount of investment required to rank up.

The rank increase in the investment proposal information is a predetermined number of rank increases, such as rank increase by one rank, rank increase by five ranks, and the like. Note that the rank increase in the investment proposal information may be the number of rank increases specified by the target user.

Further, instead of or in addition to the portfolio ranking, the information processing device 1 can also generate ranking information of investment target products included in the portfolios of a plurality of users U as ranking information. In the following, the ranking of investment target products may be referred to as product ranking, and the information on product ranking may be referred to as product ranking information.

Subsequently, the information processing device 1 transmits the ranking information generated in step S12 to the terminal device 2, and provides the ranking information to the user U of the terminal device 2 (step S13). The terminal device 2 receives ranking information transmitted from the information processing device 1 and displays the received ranking information.

In the example shown in FIG. 1(c), the ranking information displayed on the terminal device 2 is portfolio ranking information that ranks the portfolio of a man in his 30s living in Tokyo with an annual income of 5 million yen, and the target user The ranking is 25,452nd.

In the example shown in FIG. 1C, the ranking information displayed on the terminal device 2 includes investment proposal information. The investment proposal information includes information indicating that an additional investment of 89,892 yen is required in order for the target user to move up one rank to rank 25,451.

In this way, the information processing device 1 determines an investment product that can maintain the composition ratio of the target user's portfolio within a predetermined fluctuation range as the first proposed product, which is an investment product to be proposed to the target user. , provides information indicating the determined first proposed product. Thereby, the information processing device 1 can suggest appropriate investment products according to the investment situation of the user U.

The information processing device 1 also compares the information indicating the target user's portfolio with the portfolio of a similar user who is another user U similar to the target user, and proposes an investment to the target user based on the comparison result. The target product is determined as the second proposed product. Then, the information processing device 1 provides information indicating the determined second proposed product. Thereby, the information processing device 1 can suggest appropriate investment products according to the investment situation of the user U.

Further, the information processing device 1 generates category display information that is information indicating each category in a manner according to the investment state for each category of investment target products, and provides the generated category display information. Thereby, the information processing device 1 can improve convenience for the user U.

Furthermore, the information processing device 1 generates ranking information based on the portfolios of the plurality of users U, and provides the generated ranking information. Thereby, the information processing device 1 can provide ranking information according to the investment status of each user U.

Further, the information processing device 1 determines, as investment-related information, information that is investment-related information and includes information that corresponds to the action history of an interested user who is another user U in which the user U is interested, and determines the determined investment. Provide relevant information. Thereby, the information processing device 1 can improve convenience for the user U.

Note that in the above example, the information processing device 1 generates investment-related information, category display information, and ranking information and causes the terminal device 2 to display the generated information, but these information are not displayed through processing mainly performed by the terminal device 2. Good too. For example, the information processing device 1 provides a plurality of pieces of information to the terminal device 2 based on information input from the terminal device 2 via an interface such as an API (Application Programming Interface), and the terminal device 2 provides the information processing device 2 with a plurality of pieces of information. Investment-related information, category display information, and ranking information may be generated and displayed based on a plurality of pieces of information provided by. Further, although FIG. 1 shows a case where the terminal device 2 and the information processing device 1 are separate devices, the terminal device 2 and the information processing device 1 may be integrated.

Hereinafter, the configuration of an information processing system including the information processing device 1 and the terminal device 2 that perform such processing will be described in detail.

[2. Information processing system configuration]
FIG. 2 is a diagram illustrating an example of the configuration of the information processing system according to the embodiment. As shown in FIG. 2, the information processing system 100 according to the embodiment includes an information processing device 1 and a plurality of terminal devices 2. Each of the plurality of terminal devices 2 is used by a mutually different user U.

The information processing device 1 and each terminal device 2 are connected to each other via a network N so as to be able to communicate with each other by wire or wirelessly. Note that the information processing system 100 shown in FIG. 2 may include a plurality of information processing apparatuses 1. The network N is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network) such as the Internet.

The information processing device 1 provides various types of information. The information processing device 1 provides online services such as a finance site, an electronic commerce site, or a web search site. A finance site is a site that provides financial information services and provides information regarding finance. Further, the information processing device 1 can also provide online services such as, for example, a restaurant introduction site, a word-of-mouth site, or an SNS (Social Networking Service) site.

The terminal device 2 is, for example, a desktop PC (Personal Computer), a notebook PC, a tablet terminal, a smartphone, a mobile phone, a PDA (Personal Digital Assistant), or the like. Note that the terminal device 2 is not limited to the above example, and may be, for example, a smart watch or a wearable device.

In addition, the terminal device 2 is connected to a wireless communication network such as LTE (Long Term Evolution), 4G (4th Generation), or 5G (5th Generation), or a nearby network such as Bluetooth (registered trademark) or wireless LAN. It can connect to the network N via distance wireless communication and communicate with the information processing device 1.

[3. Terminal device 2]
FIG. 3 is a diagram showing an example of the configuration of the terminal device 2 according to the embodiment. As shown in FIG. 3, the terminal device 2 according to the embodiment includes a communication section 10, a display section 11, an operation section 12, a sensor group 13, a storage section 14, and a processing section 15.

[3.1. Communication department 10]
The communication unit 10 is realized by, for example, a NIC (Network Interface Card). The communication unit 10 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the information processing device 1 via the network N.

[3.2. Display section 11]
The display unit 11 is, for example, an LCD (Liquid Crystal Display) or an organic EL (Electro Luminescence) display.

[3.3. Operation unit 12]
The operation unit 12 includes, for example, a keyboard including keys for inputting letters, numbers, and spaces, an enter key, and arrow keys, a mouse, a power button, and the like. When the display unit 11 is a touch panel compatible display, the operation unit 12 includes a touch panel.

[3.4. Sensor group 13]
The sensor group 13 includes, for example, a positioning sensor, an acceleration sensor, a gyro sensor, a geomagnetic sensor, an illuminance sensor, an image sensor, and the like. The positioning sensor is a sensor that detects the position of the terminal device 2. The acceleration sensor is a sensor that detects the acceleration of the terminal device 2. The gyro sensor is a sensor that detects postures such as tilt and rotation of the terminal device 2. A geomagnetic sensor is a sensor that detects geomagnetism. The illuminance sensor is a sensor that detects illuminance indicating brightness and darkness around the terminal device 2, and the image sensor is a sensor that captures an image of the surroundings of the terminal device 2.

[3.5. Storage unit 14]
The storage unit 14 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk.

The storage unit 14 stores, for example, information transmitted from the information processing device 1 and acquired by the processing unit 15 via the network N and the communication unit 10, and detection information that is information detected by the sensor group 13. .

[3.6. Processing unit 15]
The processing unit 15 is a controller, and various programs stored in the storage device inside the terminal device 2 use the RAM as a work area by, for example, a CPU (Central Processing Unit) or an MPU (Micro Processing Unit). This is achieved through execution.

The processing unit 15 may be partially or entirely realized by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The processing section 15 includes an information acquisition section 16, a display processing section 17, and an information output section 18.

[3.6.1. Information acquisition unit 16]
The information acquisition unit 16 acquires various information transmitted from the information processing device 1 and received by the communication unit 10 via the network N. The information transmitted from the information processing device 1 is, for example, the above-mentioned investment related information, category display information, ranking information, and the like.

[3.6.2. Display processing unit 17]
The display processing unit 17 causes the display unit 11 to display the information acquired by the information acquisition unit 16. For example, the display processing unit 17 causes the display unit 11 to display the information acquired by the information acquisition unit 16.

[3.6.3. Information output unit 18]
The information output unit 18 transmits operation information, which is information corresponding to an operation on the operation unit 12 by the user U, to the information processing device 1 via the communication unit 10, for example. Further, the information output unit 18 transmits detection information, which is information detected by the sensor group 13, to the information processing device 1 via the communication unit 10.

[4. Configuration of information processing device 1]
FIG. 4 is a diagram showing an example of the configuration of the information processing device 1 according to the embodiment. As shown in FIG. 4, the information processing device 1 includes a communication section 20, a storage section 21, and a processing section 22.

[4.1. Communication department 20]
The communication unit 20 is realized by, for example, a NIC. The communication unit 20 is connected to the network N by wire or wirelessly, and transmits and receives information to and from various other devices. For example, the communication unit 20 transmits and receives information to and from the terminal device 2 via the network N.

[4.2. Storage unit 21]
The storage unit 21 is realized by, for example, a semiconductor memory device such as a RAM or a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 21 includes a user information storage unit 30, a portfolio information storage unit 31, and an investment information storage unit 32.

[4.2.1. User information storage unit 30]
The user information storage unit 30 stores various information regarding the user U. FIG. 5 is a diagram illustrating an example of a user information table stored in the user information storage unit 30 according to the embodiment. In the example shown in FIG. 5, the user information table stored in the user information storage unit 30 includes "user ID (IDentifier)", "attribute information", "history information", "setting information", and "PID (Portfolio IDentifier)". )”.

“User ID” is an identifier that identifies user U. "Attribute information" is attribute information regarding the attribute of the user U associated with the "user ID." User U's attributes include, for example, demographic attributes, psychographic attributes, and the like. Demographic attributes are demographic attributes, and include multiple attribute items such as age, gender, occupation, place of residence, annual income, and family structure.

Psychographic attributes are psychological attributes, and include a plurality of attribute items related to lifestyle, values, interests, etc., for example. For example, each of the plurality of attribute items in the psychographic attributes is an object that the user U is interested in, such as cars, clothes, travel, games, camping, motorcycles, trains, home appliances, or personal computers.

"History information" is history information that includes information on the behavior history of the user U in online services associated with the "user ID." Information on user U's behavior history in online services includes, for example, search history information in user U's online services, browsing history information in user U's online services, transaction history information in user U's online services, and user U's context history. Contains information etc.

The user U's search history information is, for example, information about the user U's search history in a financial information service, information about the user U's search history for web content at a search site, and the like. The information on the search history of the user U in the financial information service includes information on keywords input into a search box, which will be described later, for searching for information related to finance.

The viewing history information of the user U is, for example, information on the history of information viewed by the user U in a financial information service. The information provided by the financial information service includes, for example, various information such as investment product information, news, and posted information.

The investment product information is information about the product to be invested in. For example, when the product to be invested in is a stock, it includes information such as the general situation, shareholder benefits, company profile, credit balance, and business performance. Information on the general status of stocks includes, for example, information such as price (valuation) trends, trading volume trends, number of shares per unit, market capitalization, dividends, shareholder benefits, and the like. The posted information is information such as comments posted by user U on the bulletin board of each investment target product and information such as reports posted by experts.

The information on user U's transaction history includes information on investment products that user U has traded (buying and selling), transaction amount information, transaction type (for example, type of buy, sell, etc.), transaction date and time, etc. . Note that the information on the transaction history of the user U may be information set in the information processing device 1 by the user U using the terminal device 2.

The context history information of the user U is history information of the user U context estimated by the processing unit 22. The context of the user U is the situation of the user U, and includes the state of movement of the user U, the emotion of the user U, the current location of the user U, the physical environment in which the user U is placed, the social environment in which the user U is placed, etc. .

The "setting information" is setting information set by the user U associated with the "user ID", and includes, for example, product designation information, interested user designation information, investment-related information designation information, and the like.

The product specification information is information indicating an investment target product specified by the user U among the investment target products included in the user U's portfolio. The interested user designation information is information on the interested user specified by the user U or information on the interested user estimated by the processing unit 22. The investment-related information designation information is information set by the user U as information to be included in specific investment-related information.

“PID” is an identifier that identifies the portfolio of user U associated with “user ID”. The information on the portfolio of the user U is obtained from an external information processing device, for example, but may be information set by the user U.

[4.2.2. Portfolio information storage unit 31]
Portfolio information storage unit 31 stores information on user U's portfolio. FIG. 6 is a diagram showing an example of a portfolio information table stored in the portfolio information storage unit 31 according to the embodiment.

In the example shown in FIG. 6, the portfolio information table stored in the portfolio information storage unit 31 includes information on items such as "PID" and "portfolio."

"PID" is an identifier that identifies a portfolio. “Portfolio” is information about a portfolio that is associated with a “PID” and includes information (for example, product ID) about one or more investment target products included in the portfolio. Note that the portfolio information associated with the "PID" may include information indicating the composition ratio of the portfolio.

[4.2.3. Investment information storage unit 32]
The investment information storage unit 32 stores various information regarding investments. For example, the investment information storage unit 32 stores investment target product information that is information regarding investment target products. FIG. 7 is a diagram showing an example of an investment target product information table stored in the investment information storage unit 32 according to the embodiment.

In the example shown in FIG. 7, the investment target product information table stored in the investment information storage unit 32 includes "product ID", "name", "category", "overview", "company information", "news", and Contains information on items such as "Bulletin Board."

“Product ID” is an identifier that identifies an investment target product. “Name” is information indicating the name of the investment target product associated with the “product ID”. “Category” is information indicating the category of the investment target product associated with the “product ID”. Categories of investment target products include, for example, Japanese stocks, US stocks, bonds, investment trusts, REITs, ETFs, real estate, precious metals, and virtual currencies, but are not limited to these examples.

Categories of investment target products are defined, for example, in a hierarchical structure, and the size of the category is larger as the category is higher in the hierarchy, and smaller as the category is lower in the hierarchy. For example, categories below the category "Japanese stocks" (subcategories of Japanese stocks) include the category "Prime", the category "Standard", the category "Growth", etc., but they may also be categories for each industry. Categories below the category "precious metals" include, for example, the category "gold," the category "silver," and the category "platinum."

The "overview" includes information such as price (evaluation value) trends, trading volume trends, number of shares per unit, market capitalization, dividends, shareholder benefits, and the like. "Company information" is information about a company corresponding to an investment target product. "News" is news information regarding investment target products, and includes, for example, news information regarding companies corresponding to investment target products. The "bulletin board" is information posted by user U regarding the investment target product or information posted by user U regarding the company corresponding to the investment target product.

Although not shown in FIG. 7, the "product ID" is associated with, for example, information indicating price fluctuation prediction and information indicating a report, and various other information is also associated with it. Good too.

[4.3. Processing unit 22]
The processing unit 22 is a controller, and various programs (an example of an information processing program) stored in a storage device (for example, the storage unit 21) inside the information processing device 1 are stored in a RAM by a processor such as a CPU or an MPU. This is achieved by executing this as a work area. Further, the processing unit 22 may be partially or entirely realized by an integrated circuit such as an ASIC or an FPGA.

As shown in FIG. 4, the processing unit 22 includes a reception unit 40, an acquisition unit 41, an estimation unit 42, a determination unit 43, a comparison unit 44, a determination unit 45, a generation unit 46, and a provision unit 47. and realizes or executes the information processing functions and operations described below. Note that the internal configuration of the processing unit 22 is not limited to the configuration shown in FIG. 4, and may be any other configuration as long as it performs information processing to be described later.

[4.3.1. Reception department 40]
The reception unit 40 receives various requests and information from external information processing devices. For example, the receiving unit 40 receives various requests transmitted from the terminal device 2, such as a home information request, an investment-related information request, a category display information request, a ranking information request, a subcategory detailed information request, and a portfolio information request. Note that the home information request is a type of request included in the investment-related information request.

Further, the reception unit 40 receives various information transmitted from the terminal device 2, such as product designation information, category selection information, and interested user designation information. The product specification information is information indicating an investment target product specified by the user U among the investment target products included in the user U's portfolio. When receiving the product specification information, the reception unit 40 adds information indicating the investment target product indicated by the product specification information to the user information table of the user information storage unit 30.

The category selection information is information indicating the category selected by the user U to whom the category display information is provided from among a plurality of categories. The interested user specification information is information indicating an interested user who is another user U in which the user U has an interest and is another user U designated by the user U.

When receiving the interested user specification information, the reception unit 40 adds information indicating the interested user indicated by the interested user specification information to the user information table of the user information storage unit 30.

[4.3.2. Acquisition unit 41]
The acquisition unit 41 acquires various information from an external information processing device and acquires various information from the storage unit 21. For example, the acquisition unit 41 acquires user information, which is information about the user U, from an external information processing device or terminal device 2, and adds the acquired user information to the user information table of the user information storage unit 30.

When the user information acquired from the external information processing device or the terminal device 2 includes buying and selling information that is information regarding buying and selling of investment target products by the user U, the acquisition unit 41 acquires portfolio information based on the buying and selling information. The portfolio information table in the storage unit 31 is updated. Further, the acquisition unit 41 acquires information regarding the investment target product from an external information processing device, and adds the acquired information regarding the investment target product to the investment target product information table of the investment information storage unit 32 .

Further, the acquisition unit 41 acquires the information of the user U stored in the user information storage unit 30 and the portfolio information storage unit 31, for example, when an investment-related information request is received by the reception unit 40 or at a predetermined period. The stored portfolio information of the user U, information regarding investment target products stored in the investment information storage unit 32, and the like are acquired.

For example, the acquisition unit 41 acquires target user portfolio information and similar user portfolio information when the reception unit 40 receives an investment-related information request or at a predetermined period. The target user portfolio information is information on a target user portfolio that is a portfolio of a target user who is the user U of the terminal device 2 who transmitted the investment-related information request. Similar user portfolio information is information on a similar user portfolio that is a portfolio of a similar user.

Further, the acquisition unit 41 acquires the information of the user U stored in the user information storage unit 30 and the information stored in the portfolio information storage unit 31 when the category display information request is accepted by the reception unit 40 or at a predetermined period. The user U's portfolio information and the like are acquired.

Further, the acquisition unit 41 acquires, for example, the information of the user U stored in the user information storage unit 30 and the information stored in the portfolio information storage unit 31 when the ranking information is received by the reception unit 40 or at a predetermined period. Portfolio information of the user U, information regarding investment target products stored in the investment information storage unit 32, and the like are acquired.

[4.3.3. Estimation unit 42]
The estimating unit 42 determines, based on the target user portfolio information and the information regarding the investment target products acquired by the acquisition unit 41, investments that no longer satisfy the purpose of holding by the target user among the investment target products included in the target user's portfolio. Estimate the target product.

When the investment target product is a stock brand product, the purpose of holding is, for example, specific shareholder benefits, dividends, stock buybacks, or M&A (Mergers and Acquisitions). For example, the estimating unit 42 estimates an investment product that no longer has a specific shareholder benefit as an investment product that no longer satisfies the purpose of holding the investment product by the target user. Shareholder benefits include, for example, provision of food products, gift certificates, coupons, gift certificates, shareholder benefit cards, and the like.

Further, the estimating unit 42 determines, for example, that the target user no longer holds an investment target product whose dividend reduction rate is equal to or higher than a threshold value in a predetermined period among the investment target products included in the target user portfolio. Estimated as an investment product.

In addition, the estimating unit 42 may, for example, select investment products that were purchased after the news about share buybacks came out among the investment products included in the target user portfolio and for which share buybacks have been completed. Estimated as an investment product that no longer satisfies the purpose of holding it by the user.

The estimating unit 42 also determines whether an investment product included in the target user portfolio is an investment product that was purchased after the news about M&A came out and it is predicted that the M&A will not be successful. An investment target product for which M&A was not successful is estimated as an investment target product that no longer satisfies the purpose of holding by the target user.

For example, the estimating unit 42 can also estimate that the investment target product that is included in the target user's portfolio no longer satisfies the purpose of holding the investment target product by the target user, based on the holding purpose set by the target user.

In addition, the estimation unit 42 uses, for example, a learning model that inputs the user information of the target user and outputs the unsatisfied holding purpose score of each investment target product, and calculates the investment target products that no longer meet the purpose of holding by the target user. It can also be estimated as

In this case, the estimating unit 42 determines, for example, that the target user no longer satisfies the purpose of holding an investment target product whose holding purpose unsatisfied score output from the learning model is equal to or higher than a threshold among the investment target products included in the target user portfolio. It can also be estimated as an investment product.

Furthermore, the estimating unit 42 estimates an interested target user who is another user U in which the target user has an interest. The estimating unit 42 estimates the user of interest based on, for example, behavior history information of the target user.

For example, the estimating unit 42 estimates, as the user of interest, another user U who has posted a blog whose viewing frequency by the target user is equal to or higher than a threshold value, or another user U who the target user follows on SNS. Furthermore, the estimating unit 42 can also estimate, for example, another user U of the portfolio whose viewing frequency by the target user is equal to or higher than a threshold value or another user U specified as the user of interest by a similar user as the user of interest.

Furthermore, the estimating unit 42 can also estimate other users U who have posted content such as comments and news articles whose number of views or viewing frequency by the target user is equal to or higher than a threshold value as the user of interest. The estimating unit 42 also selects other users U who have posted content such as comments and news articles for which the number or frequency of positive evaluations (for example, "likes") by the target user is equal to or higher than a threshold value as the interested target user. It can also be estimated as

Furthermore, the estimating unit 42 can also estimate another user U who has a portfolio similar to the target user's portfolio in terms of composition ratio, investment target product (for example, stock brand), etc., as the interested target user.

[4.3.4. Judgment unit 43]
The determining unit 43 determines one or more users U who are similar to the target user in at least one of attributes and portfolio composition ratios as similar users. A user U whose attributes are similar to the target user is a user U who has some attribute items in common with the target user, and some attribute items can be specified by the target user, for example.

The attributes include, for example, demographic attributes and psychographic attributes. The determination unit 43 determines similar users based on the attribute information acquired by the acquisition unit 41. For example, if the attribute items of the target user include the following attributes: annual income of 5 million yen, Tokyo, 30s, and male, the determination unit 43 determines that the target user has an annual income of 5 million yen, a man in his 30s living in Tokyo. Determine as a user.

The composition ratio of the target user's portfolio is, for example, the ratio of the total amount of investment target products held by the target user for each category. The total amount is a total evaluation value that is the total market value (for example, evaluation value) of multiple investment target products included in the category. In addition to financial products, investment products include commodities such as precious metals, crude oil, wheat, and soybeans, and non-financial products such as real estate. Categories of investment target products include, for example, Japanese stocks, US stocks, bonds, investment trusts, REITs, ETFs, real estate, precious metals, and virtual currencies.

For example, the categories of investment products held by the target user are Japanese stocks, investment trusts, and REITs, and the target user owns 10 million yen worth of Japanese stocks, 5 million yen worth of investment trusts, and 5 million yen worth of REITs. Suppose you own it. In this case, the composition ratio of the portfolio is 50% Japanese stocks, 25% investment trusts, and 25% REITs.

The portfolio composition ratios being similar means, for example, that the difference between the evaluation values of each category is within a predetermined range, and the predetermined range is, for example, within 20%. The range is not limited to this example, and may be a range specified by the target user, for example. Furthermore, for the portfolios to have similar composition ratios, for example, some categories may not be included.

Moreover, the determination unit 43 can also determine similar users based on investment amount and investment profit in addition to or in place of attributes and composition ratios. In the following, a similar user determined by the determination unit 43 without using the investment amount or investment profit will be referred to as a first similar user, and a similar user determined by the determination unit 43 using the investment amount or investment profit will be referred to as a second similar user. It may be described as a similar user.

Further, the determination unit 43 can also determine, for example, another user U who has similar attributes to the target user and has a larger investment amount than the target user as the second similar user. The determination unit 43 calculates, for each user U, the total price (appraisal value) of the investment target products held by the user U based on the portfolio information of the user U, and based on the calculated investment amount, A second similar user can be determined.

Further, the determination unit 43 can also determine, for example, another user U who has similar attributes to the target user and who has a large operational profit as the second similar user. The determination unit 43 calculates the investment profit of the total investment target products held by the user U for each user U based on the portfolio information of the user U, and determines the second similar user based on the calculated investment profit. be able to. Investment profits may be short-term (e.g., a preset period of one year or less), medium-term (e.g., a preset period of 1 year or more but less than 5 years), or long-term (e.g., a preset period of 5 years or more). This is investment profit.

Further, the determination unit 43 can also determine, for example, another user U whose portfolio composition ratio is similar to that of the target user and whose investment amount is larger than that of the target user, as the second similar user. Further, the determination unit 43 can also determine, for example, another user U whose portfolio composition ratio is similar to that of the target user and whose investment profit is larger than that of the target user, as the second similar user.

Further, the determining unit 43 can also determine, as the second similar user, another user U whose portfolio composition ratio is similar to that of the target user and whose investment amount and investment profit are both larger than the target user. The investment profit is, for example, short-term, medium-term, or long-term investment profit. The determination unit 43 can, for example, target operational profits for a shorter period as the frequency of use of the financial information service by the target user is higher, or target operational profits for a specified period by the target user. I can do it.

Further, the determination unit 43 can determine the investment level of the target user based on the target user's portfolio information. The target user's investment level becomes higher as the target user's investment experience increases.

The determination unit 43 determines the investment level of the target user based on, for example, the total amount held by the target user and the frequency of buying and selling of investment target products. There are three investment levels: level 1, which indicates a beginner, level 2, which indicates an intermediate level, and level 3, which indicates an advanced level. Often, there may be four or more levels.

The determination unit 43 has, for example, a learning model generated by machine learning that inputs the user information of the target user and outputs a score indicating the investment level of the target user. The user's investment level can also be determined.

[4.3.5. Comparison section 44]
The comparison unit 44 compares the target user portfolio information acquired by the acquisition unit 41 and similar user portfolio information. The similar user portfolio information is, for example, the portfolio information of the first similar user or the portfolio information of the second similar user described above, but may be any other user U whose user information is similar to the target user.

The comparison unit 44 compares the composition ratio of the target user portfolio and the composition ratio of the similar user portfolio, for example, based on the target user portfolio information and the similar user portfolio information.

The composition ratio of the portfolio is, for example, the ratio of the total amount (evaluation value) of each category of investment target products held by the target user, and the comparison unit 44 compares the composition ratio of the target user portfolio with the composition ratio of similar user portfolios. , for example, a comparison of the percentage of the total amount (evaluation amount) of each category.

The similar user portfolio information is, for example, information indicating a similar user average portfolio obtained by averaging the composition ratios of portfolios of a plurality of similar users. The similar user average portfolio is a portfolio obtained by averaging the composition ratios of portfolios of all similar users, but is not limited to this example.

For example, the similar user average portfolio may be an averaged portfolio obtained by averaging the composition ratios of the portfolios of a predetermined number of first similar users in order from the one with the highest investment profit. Further, the similar user average portfolio may be a portfolio obtained by averaging the composition ratios of the portfolios of a predetermined number of first similar users in order from the one with the highest evaluation value.

Further, the similar user average portfolio may be a similar user's portfolio with the highest investment profit or a similar user's portfolio with the highest evaluation value. Further, the similar user average portfolio may be a portfolio of a similar user with the highest score obtained by weighted addition of investment profits and evaluation amounts.

Further, the similar user portfolio information is not limited to the portfolio of the similar user determined by the determining unit 43. For example, the similar user portfolio information may be information indicating a portfolio of a similar user specified by the target user from among portfolios of a plurality of similar users. Further, the similar user portfolio information may be information indicating a portfolio of a similar user randomly selected by the comparison unit 44 from among the plurality of similar users determined by the determination unit 43.

Further, the comparison between the composition ratio of the target user portfolio and the composition ratio of the similar user portfolio may be a comparison of a part of the composition ratio. For example, the comparison unit 44 can compare a predetermined number of categories in descending order of evaluation amount from among a plurality of categories included in the target user's portfolio, and may exclude other categories from comparison targets.

Further, the comparison unit 44 can also compare a predetermined number of categories in descending order of investment profit among a plurality of categories included in the target user's portfolio, and may not consider other categories as comparison targets.

In addition, the comparison unit 44 compares a predetermined number of categories in descending order of scores obtained by weighted addition of investment profits and evaluation amounts among a plurality of categories included in the target user's portfolio, and other categories. can not be compared.

Further, the comparison unit 44 can also use a category other than the category excluded as a comparison target by the user U as a comparison target, and may not use a category excluded as a comparison target as a comparison target.

[4.3.6. Determination section 45]
Based on the portfolio information acquired by the acquisition unit 41, the determination unit 45 determines a proposed product that is an investment target product to be proposed to the target user. The determining unit 45 determines, for example, a first proposed product and a second proposed product as proposed products that are investment target products to be proposed to the target user.

For example, when the reception unit 40 receives a home information request or an investment-related information request, or when a predetermined cycle has arrived, the determination unit 45 determines the portfolio information acquired by the acquisition unit 41. A first proposed product and a second proposed product are determined.

First, the first proposed product will be explained. The determining unit 45 determines, as the first proposed product, an investment target product that can maintain the composition ratio of the target user's portfolio within a predetermined fluctuation range, based on the target user portfolio information.

The prescribed fluctuation range, which is a predetermined fluctuation range, is, for example, a range within which the fluctuation rate of each category is within 10%, or a range within which the fluctuation rate of each category is within 20%, but is not limited to such examples. , or may be a range specified by the target user.

For example, the determining unit 45 determines, as the first proposed product, an investment product to be proposed to the target user as an investment product to be added to the target user's portfolio. Further, the determining unit 45 determines, as the first proposed product, an investment target product to be proposed to the target user as a target to be replaced with the replacement candidate product included in the target user's portfolio. The replacement candidate product is an investment product included in the target user portfolio and is a candidate for replacement with the first proposed product.

For example, the determining unit 45 determines, as the first proposed product, an investment product that is not included in the target user's portfolio and is owned by a similar user. For example, the determining unit 45 selects an investment product whose composition ratio falls within a prescribed fluctuation range when added to the target user portfolio, and where the number of purchased similar users satisfies a predetermined first condition. The product is determined as the first proposed product.

The first condition is, for example, an investment product for which the number of purchased similar users is greater than or equal to a threshold value or the highest, or an investment product whose number of purchased similar users is greater than or equal to a threshold value or has the highest number from a predetermined period to the present. Although the target products are not limited to this example.

Further, the determining unit 45 sets, for example, an investment product included in the target user portfolio and designated by the target user as a replacement candidate product, and makes a first proposal of an investment product similar to the replacement candidate product. It can be determined as a product. The investment target product included in the target user portfolio and designated by the target user is, for example, the investment target product specified by the product designation information received by the reception unit 40.

The investment target product similar to the replacement candidate product is, for example, a product of the same category and similar price, and is an investment target product that is predicted to yield a larger profit for the user U than the replacement candidate product. The profit obtained by user U is operational profit including dividends (including predicted dividends) and the like.

Further, the determining unit 45 can also determine, as replacement candidate products, investment target products that are estimated by the estimating unit 42 to no longer satisfy the holding purpose, which is the purpose of holding by the target user, among the investment target products included in the portfolio. .

In this case, the determining unit 45 determines as the first proposed product, for example, an investment product that is not included in the target user's portfolio and is estimated to satisfy the holding purpose that the replacement candidate product no longer satisfies. When the investment target product is a stock brand product, the purpose of holding is, for example, specific shareholder benefits, dividends, stock buybacks, or M&A.

For example, assume that the purpose of the holding that is estimated by the estimation unit 42 to be no longer fulfilled is a specific shareholder benefit. In this case, the determining unit 45 determines an investment target product that is not included in the portfolio and has a specific shareholder benefit as the first proposed product. Shareholder benefits include the provision of food products, gift certificates, coupons, gift certificates, shareholder benefit cards, and the like.

For example, if the determining unit 45 determines a product of a stock brand for which the provision of food products as a shareholder benefit has been discontinued as a replacement candidate product, the determining unit 45 may select a product of a stock brand for which provision of food products as a shareholder benefit has been discontinued as the replacement candidate product. 1 Decided as a proposed product.

Further, it is assumed that the holding purpose estimated by the estimating unit 42 to be no longer fulfilled is dividends. In this case, the determining unit 45 determines the investment target product whose dividend no longer satisfies the holding purpose as a replacement candidate product. Then, for example, the determining unit 45 determines, as the first proposed product, an investment product that is not included in the portfolio and has a payout ratio equal to or higher than the dividend payout ratio of the replacement candidate product before the reduction in dividends.

Further, it is assumed that the holding purpose estimated by the estimating unit 42 to no longer be fulfilled is to buy back company stock. In this case, the determining unit 45 determines the investment target product for which stock buybacks are no longer available as a replacement candidate product. Then, the determining unit 45 determines, for example, an investment product that is not included in the portfolio and for which a share buyback has been decided or an investment product for which a share buyback has been started, as the first proposed product. .

Further, it is assumed that the purpose of ownership estimated by the estimation unit 42 to be no longer fulfilled is M&A. In this case, the determining unit 45 determines the investment target product for which M&A is no longer available as a replacement candidate product. Then, the determining unit 45 determines, for example, an investment target product that is not included in the portfolio and for which M&A has been decided, as the first proposed product.

The determining unit 45 determines, as the first proposed product, an investment product whose composition ratio falls within a prescribed fluctuation range upon replacement and which satisfies a predetermined second condition in which the number of similar users who have purchased the investment product. You can also do it. The second condition is, for example, an investment target product for which the number of purchased similar users is more than a threshold or the highest, or an investment product whose number of purchased similar users is more than a threshold or the highest from a predetermined period to the present. Although the target products are not limited to this example.

Next, the second proposed product will be explained. The determining unit 45 determines the second proposed product based on the comparison result between the target user portfolio information and the similar user portfolio information by the comparing unit 44.

For example, the determining unit 45 determines an investment product to be added to the target user portfolio as a second proposed product, or determines an investment product to be proposed to the target user as a second proposed product to be replaced with an investment product included in the target user portfolio. It may be decided as a proposed product.

The determining unit 45 determines, as the second proposed product, an investment target product whose holding approaches the composition ratio of a similar user's portfolio. For example, the determining unit 45 selects, as the second proposed product, an investment product that, when held, approaches the composition ratio of similar users' portfolios and satisfies a predetermined third condition in which the number of held similar users is an investment product. Determine as.

The third condition is, for example, an investment target product in which the number of similar users held is at least a threshold value or the highest, or the number of similar users held in a period from before a predetermined period to the present day is at least a threshold value. or the most expensive investment product, but is not limited to such examples.

Further, the determining unit 45 determines interested user information, which is information related to investment and is information that corresponds to the action history of the interested user. For example, when the reception unit 40 receives a home information request or an investment-related information request, or when a predetermined cycle has arrived, the determination unit 45 determines based on the user information acquired by the acquisition unit 41, Determine user information of interest.

The interested user is another user U who is accepted as an interested user by the receiving unit 40 or another user U who is estimated by the estimating unit 42 to have an interest in the interested user.

The interested user information includes currently viewed information, which is information that the interested user is viewing, and viewed information, which is information that the interested user has viewed. The viewed information is information whose viewing frequency by the interested user is equal to or higher than a threshold value, or information that has been viewed by the interested user in a period from before a predetermined period to the present or immediately before.

Further, the interested user information may be information set by the user U as information to be included in specific investment-related information by the interested user, and the determining unit 45 specifies the investment-related information acquired by the acquiring unit 41. Based on the information, user information of interest can be determined.

In addition, the interested user information includes, for example, information on investment products purchased by the interested user and information on investment products sold by the interested user, instead of or in addition to the currently viewing information and the viewed information. You can stay there.

Further, based on the relationship between the transaction history information of the interested user and the browsing history information of the interested user, the determining unit 45 determines the currently viewed information and the viewed information according to the relationship as the interested user information. You can also. In this case, for example, based on the relationship between the transaction history information of the interested user and the viewing history information of the interested user, the determining unit 45 determines whether or not the user is currently browsing according to the relationship. Information and viewed information can be determined as interested user information.

For example, the determining unit 45 sets reference information that is reference information or reference information when an interested user who owns the same investment product as the target user trades the investment product as the interested user information. You can also decide.

Further, the interested user information is not limited to information on one interested user, but may include information on a plurality of interested users. The determining unit 45 can also determine information according to a statistical trend obtained from the action history of a plurality of interested users as the interested user information.

For example, the determining unit 45 may determine, as the interested user information, information that a number of interested users of a plurality of specific interested users that are equal to or greater than a threshold have viewed or are currently viewing in the most recent predetermined period. can. The specific plurality of interested users is, for example, a predetermined ratio or more of interested users among the plurality of interested users designated by the subject user or estimated by the information processing device 1 .

Furthermore, the determining unit 45 can also set information according to the statistical trend of transaction history based on the results of browsing by the interested user as the interested user information. For example, the information processing device 1 may be configured to sell investment products that are more than a specific percentage of investment products that have been traded after a threshold number or more of interested users among a plurality of specific interested users have viewed information in the most recent predetermined period. Product information may also be determined as interested user information.

[4.3.7. Generation unit 46]
The generation unit 46 generates various information. For example, the generation unit 46 generates various information based on the information acquired by the acquisition unit 41, the estimation result by the estimation unit 42, the determination result by the determination unit 43, the comparison result by the comparison unit 44, the determination result by the determination unit 45, etc. generate information.

The generation unit 46 generates various information such as home information, investment related information, category display information, and ranking information, based on the result of receiving the request by the reception unit 40, for example. For example, the generation unit 46 generates home information when the reception unit 40 receives a home information request. Below, investment related information, category display information, and ranking information will be explained in detail in this order. Note that the home information is a type of information included in investment-related information.

[4.3.7.1. Investment related information〕
The generation unit 46 generates investment-related information, for example, when the reception unit 40 receives an investment-related information request or when a predetermined cycle timing arrives. The generation unit 46 generates investment-related information based on the information acquired by the acquisition unit 41, the estimation result by the estimation unit 42, the determination result by the determination unit 43, the comparison result by the comparison unit 44, the determination result by the determination unit 45, etc. generate.

For example, the generation unit 46 generates investment-related information according to specified information included in the investment-related information request received by the reception unit 40. The designation information is, for example, information indicating one or more information types designated by the user U. Information types include, for example, investment target products, news, bulletin boards, and the above-mentioned specific investment-related information. The specific investment-related information includes a plurality of pieces of information specified by the user U in advance. Note that the designation information may be information for specifying investment-related information designation information.

The generation unit 46 generates specific investment-related information when the specification information included in the investment-related information request is information that specifies the above-mentioned specific investment-related information. The specific investment related information is, for example, first proposed product information that is information indicating the first proposed product determined by the determining unit 45, and second proposal information that is information indicating the second offered product determined by the determining unit 45. It includes product information, interested user information determined by the determination unit 45, and the like.

The generation unit 46 can highlight the interested user information determined by the determination unit 45 compared to other information. The interested user information is, for example, currently viewing information, viewed information, and the like. For example, the generation unit 46 highlights the currently viewed information and the viewed information among the investment related information compared to other information.

Highlighting is performed by, for example, making characters, frames, backgrounds, etc. different from other areas. For example, the generation unit 46 performs the highlighted display by increasing the size of the characters, making the characters bold, or changing the color of the characters to an eye-catching color (for example, red). Furthermore, the generation unit 46 may make the frame surrounding the currently viewed information or the viewed information thicker, make the color of the frame surrounding the currently viewed information or the viewed information a conspicuous color, or change the background color to a conspicuous color. Highlighting can be done by

Note that the information included in the specific investment-related information is not limited to the example described above. For example, the information included in the specific investment-related information may include ranking information and category display information, and may include one or more of first proposed product information, second proposed product information, and interested user information. You don't have to. User U can add and change information included in specific investment-related information.

In addition, when the specification information included in the investment-related information request is information specifying a specific investment product (for example, Japanese stocks of company A), the generation unit 46 generates information regarding the specific investment product from the investment-related information. Generate as.

Furthermore, when the specified information included in the investment-related information request is information specifying specific news (for example, Japanese stock news), the generation unit 46 generates the news information that is the specific news information as investment-related information. generate.

Furthermore, if the specified information included in the investment-related information request is information that specifies a specific bulletin board (for example, a bulletin board for US stocks or a bulletin board for Japanese stocks of Company A), the generation unit 46 generates information on the specific bulletin board. Generate certain bulletin board information as investment-related information.

Further, the generation unit 46 can generate information including information of a type corresponding to the investment level, which is specified by the specification information included in the investment-related information request. For example, home information according to the investment level of the target user determined by the determination unit 43 is generated as investment-related information. The home information according to the investment level is, for example, information in which a plurality of types of information according to the investment level are arranged in an order according to the investment level. Home information is information on a home screen in a financial information service, and is also called information on a top page screen.

For example, when the target user's investment level is level 1, the generation unit 46 generates home information in which multiple types of information linked to level 1 are arranged in an order according to level 1. Further, when the investment level of the target user is level 2, the generation unit 46 generates home information in which multiple types of information linked to level 2 are arranged in an order according to level 2. Further, when the investment level of the target user is level 3, the generation unit 46 generates home information in which multiple types of information linked to level 3 are arranged in an order according to level 3.

Furthermore, when the specification information included in the investment-related information request is information specifying a specific investment-target product, the generation unit 46 generates investment-target product information, which is information about the investment-target product, as investment-related information. In this case as well, the generation unit 46 can generate, for example, investment target product information according to the investment level of the target user determined by the determination unit 43 as investment related information. The investment target product information according to the investment level is, for example, information in which a plurality of types of information according to the investment level are arranged in an order according to the investment level.

For example, when the investment level of the target user is level 1, the generation unit 46 generates investment target product information in which information of one or more types linked to level 1 is arranged in an order according to level 1. . Further, when the investment level of the target user is level 2, the generation unit 46 generates investment target product information in which information of one or more types linked to level 2 is arranged in an order according to level 2. . Further, when the investment level of the target user is level 3, the generation unit 46 generates investment target product information in which information of one or more types linked to level 3 is arranged in an order according to level 3. .

Furthermore, when generating home information, investment target product information, news information, bulletin board information, etc., the generation unit 46 generates information that is being viewed by the interested user or information that the interested user has previously determined in the past. It is also possible to highlight information viewed during the specified period.

[4.3.7.2. Category display information〕
The generation unit 46 generates category display information, for example, when the reception unit 40 receives a category display information request or when a predetermined cycle timing arrives. The generation unit 46 generates category display information based on the portfolio information of each user U stored in the portfolio information storage unit 31, for example.

For example, the generation unit 46 generates category display information that is information indicating each category in a manner according to the investment state for each category of investment target products. Categories of investment targets include, for example, Japanese stocks, US stocks, bonds, investment trusts, REITs, ETFs, real estate, precious metals, and virtual currencies.

The investment status is at least one of the number of users owning the investment target products included in the category, which is the number of users who own the investment target products, and the category evaluation value, which is the total amount of the investment target products included in the category.

The information indicating the category includes, for example, at least one of a character string indicating the category, a figure indicating the category (including a frame), a symbol indicating the category, a picture indicating the category, etc., but is not limited to such examples. .

The generation unit 46 generates, as category display information, information indicating each category in a manner in which the degree of emphasis is increased as at least one of the number of owned users and the category evaluation value is larger, as a manner according to the investment state. When the information indicating a category is a figure containing text, the larger the figure indicating the category, the higher the degree of emphasis. Further, when the information indicating the category includes characters, the larger the character indicating the category, the higher the degree of emphasis.

For example, the generation unit 46 generates information indicating each category as category display information in such a manner that the degree of emphasis is increased as at least one of the number of owned users and the category evaluation value is larger, as a manner according to the investment state. When the information indicating a category is a figure containing characters indicating the category, the larger the letter indicating the category or the figure indicating the category, the higher the degree of emphasis.

For example, if the information indicating the category is a figure that includes text, the generating unit 46 may emphasize the figure or text indicating the category as the category has a larger number of users and at least one of the category evaluation value. Information indicating each category is generated as category display information.

Note that the generation unit 46 can calculate a score obtained by weighted addition of the number of owned users and the category evaluation amount, and can make the shape indicating the category larger for a category with a higher score.

Furthermore, the generation unit 46 generates, as category display information, information that shows an investment category, which is a category in which the target user has invested, in a different manner from an uninvested category, which is a category in which the target user has not invested, among the plurality of categories. do. For example, the generation unit 46 makes the investment category different from the non-investment category by highlighting the investment category more than the non-investment category. Thereby, the user U can easily determine the investment category.

Furthermore, the generation unit 46 generates, as category display information, information in which a figure indicating an investment category is placed closer to the reference position than a figure indicating an uninvested category among the plurality of categories. This allows the user U to more easily determine the investment category.

The reference position is, for example, the central area of the category display information, but is not limited to such an example. For example, if scrolling is required to display all the category display information, the reference position is the first view area in the category display information. It may also be the center of the area displayed.

In addition, the generation unit 46 arranges information indicating an uninvested category, which is a category in which the target user has not invested, and which has a large number of similar users who own investment target products, at a position closer to the reference position. This information can also be generated as category display information.

Further, when one category is selected by the user U from among the plurality of categories indicated by the category display information, the generation unit 46 generates information indicating the plurality of subcategories included in the selected category, and information indicating the selected category. The information placed around is generated as category display information.

Here, it is assumed that the selected category is "Japanese stocks." In this case, the multiple subcategories are subcategory "Stock Stock", subcategory "Chart", subcategory "News", subcategory "Market Market", subcategory "Time Series", subcategory "Shareholder Benefits", subcategory "Report", subcategory "Forecast" etc.

In the category display information, information indicating each of a plurality of subcategories is a selectable GUI, and by selecting information indicating a subcategory in the category display information, the user U can display information of the selected subcategory. can.

For example, if user U selects the subcategory "stock prices", information including a list of Japanese stock prices will be displayed on the terminal device 2, and if user U selects the subcategory "charts", a list of Japanese stock price charts will be displayed. Information including the above is displayed on the terminal device 2.

Furthermore, if user U selects the subcategory "News", information including a list of Japanese stock news will be displayed on the terminal device 2, and if user U selects the subcategory "Market price", information including a list of Japanese stock market prices will be displayed. Information including the list is displayed on the terminal device 2.

Further, the plurality of subcategories may be, for example, when the selected category is "Japanese Stocks", the category "Prime", the category "Standard", the category "Growth", etc.

In this case, for example, if user U selects the subcategory "Prime," information including a list of stocks in the prime market will be displayed on the terminal device 2, and if user U selects the subcategory "Standard," information including a list of stocks in the standard market will be displayed. Information including the list is displayed on the terminal device 2. Further, when the user U selects the subcategory "Growth", information including a list of stocks in the growth market is displayed on the terminal device 2.

The generation unit 46 can generate category display information that includes information indicating each subcategory in a manner according to the investment state for each subcategory of the investment target product, similar to the information indicating the category described above. Whether or not to generate information indicating each subcategory in a manner according to the investment state can be determined by user U's settings, for example. Information indicating the settings of the user U is stored in the user information storage unit 30, and the generation unit 46 generates information indicating the subcategory based on the information indicating the settings of the user U.

Note that, similar to the information indicating a category, the information indicating a subcategory may include at least one of the following: a character string indicating a subcategory, a figure (including a frame) indicating a subcategory, a symbol indicating a subcategory, a picture indicating a subcategory, etc. Examples include, but are not limited to.

In addition, when generating the category display information, the generation unit 46 emphasizes the information that the interested user is currently viewing or the categories that the interested user has viewed in the past in a predetermined period of time among the categories indicated in the category display information. It can also be displayed.

[4.3.7.3. Ranking information]
The generation unit 46 generates ranking information based on the portfolios of the plurality of users U. For example, the generation unit 46 generates portfolio ranking information, which is information in which portfolios are ranked, as the ranking information, based on the portfolio information of the plurality of users U.

The portfolio ranking information is, for example, at least one of information ranking the evaluation value of the portfolio and information ranking the investment profit of the portfolio.

Further, the generation unit 46 can generate, as portfolio ranking information, information in which a plurality of portfolios including the target user's portfolio and portfolios of other users U similar to the target user are ranked.

The other user U who is similar to the target user is, for example, the first similar user determined by the determination unit 43. The first similar user is another user U who is similar to the target user in one of attributes and composition ratios.

A user U whose attributes are similar to the target user is a user U who has some attribute items (for example, gender, age, location, annual income, etc.) in common with the target user, and some attribute items are, for example, similar to the target user. It can be specified by

Further, the generation unit 46 generates, as portfolio ranking information, information ranking a plurality of portfolios including the target user's portfolio and portfolios of a plurality of other users U whose composition ratios of portfolios are similar to that of the target user. You can also do it.

Further, the generation unit 46 generates ranking information including investment proposal information that is investment information necessary for the target user's portfolio to rank up in the portfolio ranking. The investment proposal information is, for example, information indicating the amount of investment required to rank up.

The rank increase in the investment proposal information is a predetermined number of rank increases, such as rank increase by one rank, rank increase by five ranks, and the like. Note that the rank increase in the investment proposal information may be the number of rank increases specified by the target user.

Further, instead of or in addition to the portfolio ranking, the generation unit 46 can also generate product ranking information, which is product ranking information that ranks investment target products included in the portfolios of a plurality of users U, as the ranking information.

For example, the generation unit 46 can also generate product ranking information as ranking information based on target user portfolio information and a plurality of similar user portfolio information. The generation unit 46 generates, as ranking information, product ranking information that is product ranking information in which investment target products included in at least one of the target user's portfolio and the similar user's portfolio are ranked.

Product rankings include, for example, price increase rate, price decrease rate, trading volume, trading value, surge rate, etc. in a predetermined period (for example, 1 hour, 1 day, 1 month, 1 year, etc.) or a period specified by the target user. Or it is a ranking of investment target products based on index values such as cap-up rates.

Further, the generation unit 46 can also generate product ranking information, which is information on product rankings in which investment target products included in portfolios of similar users are ranked, as the ranking information.

In addition, the generation unit 46 generates a product ranking that ranks investment target products held by a plurality of users U having attributes specified by the target user, based on user portfolio information of a plurality of users U having attributes specified by the target user. It is also possible to generate product ranking information as the ranking information.

In addition, when generating ranking information, the generation unit 46 generates information that the interested user is currently viewing from among the plurality of user portfolios indicated by the ranking information, and user portfolios that the interested user has viewed in the past in a predetermined period. It can also be highlighted.

In addition, when generating the ranking information, the generation unit 46 also generates information on the investment products that the interested user is currently viewing among the plurality of investment products indicated by the ranking information, and the investment products that the interested user has viewed in the past in a predetermined period. You can also highlight products.

[4.3.8. Providing Department 47]
The providing unit 47 provides various information. For example, the providing unit 47 transmits various types of information to the terminal device 2 via the communication unit 20 to provide the user U with various types of information.

For example, the providing unit 47 transmits various types of information generated by the generating unit 46 to the terminal device 2 via the communication unit 20 to provide the user U with various types of information. The information provided to the user U includes, for example, the above-mentioned first suggested product information, second suggested product information, category display information, ranking information, investment proposal information, and interested user information.

The providing unit 47 provides the home information generated by the generating unit 46 when the accepting unit 40 accepts the home information request. Further, when the receiving unit 40 receives the investment-related information request, the providing unit 47 provides investment-related information including information corresponding to specified information included in the investment-related information request. The designation information is, for example, information that specifies investment-related information designation information.

For example, assume that the specification information included in the investment-related information request is information specifying first proposed product information, second proposed product information, and interested user information. In this case, the providing unit 47 provides investment-related information including the first proposed product information, second proposed product information, and interested user information generated by the generating unit 46.

The interested user information generated by the generation unit 46 is information that includes information according to the action history of the interested user. Such interested user information may include, for example, information in which investment-related information viewed by other users U is highlighted, or investment-related information in which information viewed by other users U is highlighted. information, etc.

Further, the providing unit 47 includes subcategory information that is information indicating a plurality of subcategories included in the selected category that is the category specified by the selection information received by the reception unit 40 and that is the category selected by the user U. Provides category display information. The subcategory information includes, for example, information indicating a plurality of subcategories included in the selected category in a manner according to the investment state.

Further, the providing unit 47 provides information in which the information indicating the portfolio of the user U and the information indicating the portfolios of similar users are arranged side by side. The information indicating the portfolios of similar users displayed side by side with the information indicating the portfolio of user U is, for example, information indicating the average portfolio of similar users, which is the average of the composition ratios of the portfolios of multiple similar users. Not limited.

Further, the similar user average portfolio may be, for example, an average of portfolios of a plurality of similar users extracted in descending order of investment profit or evaluation value. Further, the similar user average portfolio may be, for example, an average of portfolios of a predetermined number of similar users extracted in descending order of scores obtained by weighted addition of investment profits and evaluation amounts.

Further, the similar user portfolio may be a portfolio of a similar user with the highest investment profit or a portfolio of a similar user with the highest evaluation value. Further, the similar user portfolio may be a portfolio of a similar user with the highest score obtained by weighted addition of investment profits and evaluation amounts.

Further, the similar user portfolio may be a portfolio of a similar user specified by the target user from among portfolios of a plurality of similar users, or may be a portfolio of a similar user randomly selected by the comparison unit 44. .

Here, a display example of information provided by the providing unit 47 and displayed on the terminal device 2 will be described. FIG. 8 is a diagram illustrating an example of home information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2.

The home information 50 shown in FIG. 8 includes a search box 51, a search button 52, Nikkei average information 53a, NY (New York) Dow information 53b, US dollar yen rate information 53c, financial results report button 54, portfolio information 55, and a first proposal. It includes product information 56 and second suggested product information 57. Further, the home information 50 shown in FIG. 8 includes a home button 58a, a news button 58b, a category button 58c, a ranking button 58d, and a similar user button 58e.

A search keyword is input into the search box 51 by the user U's operation on the operation unit 12 . When the search button 52 is selected by user U's operation on the operation unit 12 with a search keyword input in the search box 51, the information output unit 18 of the terminal device 2 displays the search input in the search box 51. A search query including the keyword is sent to the information processing device 1.

The providing unit 47 transmits search results according to the search keyword included in the search query to the terminal device 2 . Such search results are acquired by the information acquisition unit 16 and displayed on the display unit 11 by the display processing unit 17.

The Nikkei average information 53a is information on the Nikkei average, the NY Dow information 53b is information on the New York Dow, and the US dollar yen rate information 53c is information on the exchange rate between the US dollar and the yen. The settlement report button 54 is a GUI for displaying information on the settlement report on the display unit 11.

The portfolio information 55 is information on the target user's portfolio, and includes information such as the total assets (assessed value of the portfolio), valuation profit and loss (operation profit and loss), and composition ratio. The portfolio information 55 includes a details button 55a, and when the user U operates the operation unit 12 and selects the details button 55a, the information output unit 18 of the terminal device 2 outputs the portfolio information request as information. It is transmitted to the processing device 1.

When the portfolio information request is accepted by the receiving unit 40, the providing unit 47 transmits the detailed information of the target user's portfolio to the terminal device 2. Such detailed information is acquired by the information acquisition section 16 and displayed on the display section 11 by the display processing section 17.

The first proposed product information 56 includes information on replacement candidate products and information on the first proposed product. The replacement candidate product is an investment product included in the target user portfolio and is a candidate for replacement with the first proposed product, and is determined by the determining unit 45. The first proposed product is an investment target product that is proposed to be replaced with a replacement candidate product in the target user's portfolio, and is determined by the determining unit 45.

In the first proposed product information 56 shown in FIG. 8, the replacement candidate product is the stock of company B, the first proposed product is the stock of company F, and the provision of food products as shareholder benefits has been abolished for the stock of company B. It is shown that Company F's stock is provided with food as a shareholder benefit. Thereby, the user U can easily understand the replacement candidate product, the first proposed product, and the reason for the proposal.

The second suggested product information 57 includes information on the second suggested product. The second proposed product is an investment target product proposed based on the comparison result between target user portfolio information and similar user portfolio information, and is determined by the determining unit 45. In the second proposed product information 57 shown in FIG. 8, stocks of company C, stocks of company D, stocks of company G, stocks of company K, and gold are each shown as second proposed products.

The home button 58a is a GUI for displaying the home information 50 on the display section 11 when the information displayed on the display section 11 is other than the home information 50. The news button 58b is a GUI for displaying news information on the display unit 11.

The category button 58c is a GUI for displaying category display information on the display unit 11. The ranking button 58d is a GUI for displaying ranking information on the display unit 11. The similar user button 58e is a GUI for displaying similar user information on the display unit 11.

As described above, the home information 50 is information in which a plurality of types of information according to the investment level of the target user are arranged in an order according to the investment level of the target user. For example, the home information 50 shown in FIG. 8 is home information when the target user is at investment level 2, but is not limited to this example. Note that the home information 50 may be investment-related information including a plurality of pieces of information according to investment-related information designation information.

Next, category display information displayed on the display unit 11 when the category button 58c or the like is selected will be described. FIG. 9 is a diagram illustrating an example of category display information provided by the providing unit 47 of the information processing device 1 and displayed on the display unit 11 of the terminal device 2 according to the embodiment.

The category display information 60 shown in FIG. 9 includes a plurality of category information 61a, 61b, 61c, 61d, 61e, 61f, 61g, 61h, and 61i. Category information 61a is a category graphic representing the category "Japanese stocks," category information 61b is a category graphic representing the category "US stocks," and category information 61c is a category graphic representing the category "bonds."

Further, the category information 61d is a category figure indicating the category "Investment Trust," the category information 61e is a category figure indicating the category "REIT," and the category information 61f is a category figure indicating the category "ETF." .

Further, the category information 61g is a category figure indicating the category "real estate," the category information 61h is a category figure indicating the category "precious metals," and the category information 61i is a category figure indicating the category "virtual currency." .

In the category display information 60 shown in FIG. 9, each of the plurality of category information 61a, 61b, 61c, 61d, 61e, 61f, 61g, 61h, and 61i is displayed in a manner according to the investment state. As described above, the investment status is at least one of the number of users U who own investment products included in the category and the total amount (total evaluation value) of investment products included in the category. be. In the following, when each of the category information 61a, 61b, 61c, 61d, 61e, 61f, 61g, 61h, and 61i is shown without being individually distinguished, it may be referred to as category information 61.

The category information 61 includes, for example, at least one of a character string indicating a category, a figure (including a frame) indicating a category, a symbol indicating a category, and a picture indicating a category, but is not limited to such examples.

In the category display information 60, each category information 61 is displayed in such a manner that the degree of emphasis increases as at least one of the number of owned users and the category evaluation value increases, for example, in accordance with the investment state.

In the category information 61 shown in FIG. 9, the information indicating the category is a figure containing characters, and the larger the figure indicating the category, the higher the degree of emphasis. In the example shown in FIG. 9, the category information 61a is the largest, the category information 61g is the next largest, and the category information 61i is the smallest.

In addition, in the category display information 60, among the plurality of categories, the investment category, which is a category in which the target user has invested, is displayed in a different manner from the uninvested category, which is a category in which the target user has not invested.

For example, in the example shown in FIG. 9, category information 61a, 61b, 61c, 61d, 61h and category information 61e, 61f, 61g, 61i are shown in different manners. The different aspect may be, for example, a different color, a different shape of a figure, a different thickness of an outline line (line of an outline of a figure), or a different aspect other than such examples.

Furthermore, in the category display information 60, category information 61 indicating an investment category is arranged at a position closer to the reference position than category information 61 indicating an uninvested category among the plurality of categories. In the example shown in FIG. 9, the reference position is a position included in the category information 61a in the category display information 60, but the reference position is not limited to this example.

Further, in the category display information 60, the category information 61 corresponding to the category with the highest total evaluation value of the investment target product among the investment categories is arranged at a position closer to the reference position. Further, in the category display information 60, the category information 61 corresponding to the category with the highest total evaluation value of the investment target products owned by the target user among the investment categories may be arranged at a position closer to the reference position.

In addition, in the category display information 60, the color of the category information 61 corresponding to the category with the highest total evaluation value of the investment target products held by the target user among the investment categories may be made darker. Further, in the category display information 60, information indicating a category in which a large number of similar users who own investment target products among categories in which the target user has not invested may be placed closer to the reference position.

Further, in the category display information 60, the user U can select category information 61 corresponding to a desired category from among the plurality of category information 61. When category information 61 is selected by user U's operation on operation unit 12, information output unit 18 of terminal device 2 sends a category display information request including information indicating a category corresponding to category information 61 to information processing device 1. Send to.

The providing unit 47 transmits to the terminal device 2 category display information including a plurality of subcategory information each indicating a corresponding subcategory among a plurality of subcategories included in the category specified by the category display information request. Such category display information is acquired by the information acquisition section 16 and displayed on the display section 11 by the display processing section 17.

FIG. 10 is a diagram illustrating another example of category display information provided by the providing unit 47 of the information processing device 1 and displayed on the display unit 11 of the terminal device 2 according to the embodiment. The category display information 60 shown in FIG. 10 is information provided by the providing unit 47 and displayed on the display unit 11 of the terminal device 2 when the user U selects the category information 61a shown in FIG.

The category display information 60 shown in FIG. 10 includes a plurality of category information 61a, 61b, 61c, 61d, 61e, 61f, 61g, 61h, 61i, and a plurality of subcategory information 62a, 62b, 62c, 62d, 62e, 62f. , 62g, and 62h are included. Each of the plurality of subcategory information 62a, 62b, 62c, 62d, 62e, 62f, 62g, and 62h is information indicating a subcategory included in the category indicated by category information 61a.

The subcategory information 62a is a GUI for displaying information on the subcategory "stock prices," the subcategory information 62b is a GUI for displaying information on the subcategory "charts," and the subcategory information 62c is a GUI for displaying information on the subcategory "news." This is a GUI for displaying information.

Further, the subcategory information 62d is a GUI for displaying information on the subcategory "Indication", the subcategory information 62e is a GUI for displaying information on the subcategory "Time series", and the subcategory information 62f is a GUI for displaying information on the subcategory "Time series". This is a GUI for displaying information on "shareholder benefits."

Furthermore, the subcategory information 62g is a GUI for displaying information on the subcategory "report", and the subcategory information 62h is a GUI for displaying information on the subcategory "anticipation". In the following, when each of the subcategory information 62a, 62b, 62c, 62d, 62e, 62f, 62g, and 62h is shown without being individually distinguished, it may be referred to as subcategory information 62.

The subcategory information 62 includes, for example, at least one of a character string indicating a subcategory, a figure (including a frame) indicating a subcategory, a symbol indicating a subcategory, a picture indicating a subcategory, etc., but is not limited to such examples.

Further, in the category display information 60 shown in FIG. 10, the user U can select the subcategory information 62 corresponding to a desired subcategory from among the subcategory information 62. When the subcategory information 62 is selected by the user U's operation on the operation unit 12, the information output unit 18 of the terminal device 2 sends a subcategory detailed information request including detailed information of the subcategory corresponding to the subcategory information 62 to the information processing device 1. Send to.

The providing unit 47 transmits subcategory detailed information, which is detailed information of the subcategory specified by the subcategory detailed information request, to the terminal device 2. Such subcategory detailed information is acquired by the information acquisition section 16 and displayed on the display section 11 by the display processing section 17. For example, when the subcategory information 62a corresponding to the subcategory "stock prices" is selected, information including a stock price list including the stock prices of each Japanese stock, etc. is displayed on the display unit 11 as detailed subcategory information.

The plurality of subcategories included in the category indicated by the selected category information 61a may be, for example, subcategory "Prime", subcategory "Standard", subcategory "Growth", etc.

In this case, the category display information 60 includes subcategory information indicating the subcategory "Prime," subcategory information indicating the subcategory "Prime," subcategory information indicating the subcategory "Prime," and the like. In this case, the category display information 60 includes subcategory information indicating each subcategory in a manner according to the investment state for each subcategory of the investment target product, similar to the information indicating the categories described above.

Further, for example, if user U selects the subcategory "Prime", information including a list of stocks in the prime market will be displayed on the terminal device 2, and if user U selects the subcategory "standard", information including a list of stocks in the standard market will be displayed. Information including the list is displayed on the terminal device 2. Further, when the user U selects the subcategory "Growth", information including a list of stocks in the growth market is displayed on the terminal device 2.

Note that the category information 61 included in the category display information 60 does not need to be a selectable GUI, and may be a simple image. Moreover, the subcategory information 62 included in the category display information 60 does not need to be a selectable GUI, and may be a simple image.

Next, ranking information displayed on the display unit 11 when the ranking button 58d or the like is selected will be explained. FIG. 11 is a diagram illustrating an example of ranking information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2.

Ranking information 70 shown in FIG. 11 includes attribute information 71, target user portfolio information 73, a plurality of similar user portfolio information 74a, 74b, and 74c, and a top information display button 75. The attribute information 71 is information indicating the attributes of the user U who is the ranking target. The attributes of the user U to be ranked include a plurality of attribute items possessed by the target user.

In the attribute information 71 shown in FIG. 11, multiple attribute items of the target user include annual income of 5 million yen, Tokyo, 30s, male, and attributes of user U to be ranked include Tokyo, annual income of 5 million yen. He is identified as a resident male in his 30s.

Further, the attribute information 71 includes a plurality of attribute item buttons 72a, 72b, 72c, and 72d, and an item addition button 76. In the attribute information 71 shown in FIG. 11, attribute item buttons 72a, 72b, 72c, and 72d are highlighted, and these attribute item buttons 72a, 72b, 72c, and 72d determine the annual income of the user U to be ranked. It is shown that he is a man in his 30s living in Tokyo and earning 5 million yen. In the following, when each of the plurality of attribute item buttons 72a, 72b, 72c, and 72d is shown without being individually distinguished, it may be referred to as an attribute item button 72.

The attribute item button 72 is a GUI that allows selection of attribute items to be canceled or reselected. By operating the operation unit 12 of the terminal device 2 and selecting the attribute item button 72, the user U can cancel or reselect an attribute item for identifying similar users.

For example, in the state shown in FIG. 11, by operating the attribute item button 72d, the user U can cancel "Tokyo" as an attribute item for identifying similar users. In this case, the providing unit 47 transmits ranking information in which the attribute of the user U to be ranked is a man in his 30s with an annual income of 5 million yen to the terminal device 2, and causes the display unit 11 to display the changed ranking information. .

The add item button 76 is a GUI for adding an attribute item of the user U to be ranked. By selecting the add item button 76, the user U causes the display unit 11 to display the attribute item list and selects the attribute item. A desired attribute item can be selected from the item list.

In this case, the providing unit 47 transmits to the terminal device 2 ranking information for ranking the user U whose attributes further include the attribute item selected as the attribute item of the user U to be ranked, and ranks the user U after the change. The information is displayed on the display unit 11.

The target user portfolio information 73 is information regarding the target user's portfolio. The target user portfolio information 73 shown in FIG. 11 includes information indicating the ranking of the target user's portfolio, information indicating the evaluation value of the target user's portfolio, and investment proposal information that is information indicating the investment amount required to increase the rank. etc. are included.

Each of the plurality of similar user portfolio information 74a, 74b, and 74c is information on a similar user portfolio that is a portfolio of a similar user who has a portfolio with an evaluation value close to the evaluation value of the target user's portfolio. Each of the similar user portfolio information 74a, 74b, and 74c can be selected by the user U, and detailed information of the similar user portfolio corresponding to the selected similar user portfolio information is displayed on the display unit 11.

The upper information display button 75 is a GUI for displaying information on similar user portfolios with higher evaluation values on the display unit 11, and in the example shown in FIG. This is a GUI for displaying on the display unit 11.

FIG. 12 is a diagram showing another example of ranking information provided by the providing unit 47 of the information processing device 1 and displayed on the display unit 11 of the terminal device 2 according to the embodiment. The ranking information 70 shown in FIG. 12 is displayed on the display unit 11, for example, when the ranking button 58d is selected by the user U while the ranking information 70 shown in FIG. 11 is displayed on the display unit 11. .

The ranking information 70 shown in FIG. 11 includes attribute information 71, a category selection area 77, and a plurality of pieces of investment target product information 78a, 78b, 78c, 78d, 78e, and 78f. The category selection area 77 includes information indicating the category of the currently selected investment product and a plurality of change buttons for changing the category. The user U can change the category to be ranked by selecting a change button in the category selection area 77.

The plurality of investment target product information 78a, 78b, 78c, 78d, 78e, 78f is a GUI that includes information indicating a plurality of investment target products held by the plurality of users U having the attribute item indicated by the attribute information 71, This is information from 1st to 6th place in the ranking. In the following, when each of the plurality of investment target product information 78a, 78b, 78c, 78d, 78e, and 78f is shown without being individually distinguished, it may be referred to as investment target product information 78.

When the user U selects the investment target product information 78 by operating the operation unit 12 of the terminal device 2, the detailed information of the investment target information corresponding to the selected investment target product information 78 is provided by the providing unit 47 to the terminal device 2. and displayed on the display unit 11. Detailed information on investment target information is an example of investment-related information, and may be referred to as investment target product detailed information below.

Note that when the ranking button 58d is selected by the user U while the home information 50 shown in FIG. 8 is displayed on the display unit 11, the providing unit 47 selects the ranking type selection for selecting the type of ranking information. Information can also be displayed on the display unit 11.

The ranking type selection information includes ranking selection buttons for selecting each corresponding ranking information among multiple types of ranking information including the ranking information 70 shown in FIG. 11 and the ranking information 70 shown in FIG. 12. . When the ranking selection button is selected by the user U, the providing unit 47 causes the display unit 11 to display ranking information corresponding to the selected ranking selection button.

Next, target user portfolio information, which is the target user's portfolio information displayed on the display unit 11 when the details button 55a or the like included in the portfolio information 55 is selected, will be described. FIG. 13 is a diagram illustrating an example of target user portfolio information provided by the providing unit 47 of the information processing device 1 and displayed on the display unit 11 of the terminal device 2 according to the embodiment.

Target user portfolio information 80 shown in FIG. 13 includes attribute information 81, portfolio comparison information 83, portfolio comparison result information 84, and similar user portfolio information 85.

The attribute information 81 is information that indicates one or more common attribute items that are attribute items that serve as criteria for determining a target user as a similar user among a plurality of attribute items that indicate attributes to a target user. In the example shown in FIG. 13, four common attribute items are shown, and it is shown that a man in his 30s living in Tokyo with an annual income of 5 million yen is determined to be a similar user.

The attribute information 81 includes a plurality of attribute item buttons 82a, 82b, 82c, and 82d, a category selection button 86, and an item addition button 87. In the attribute information 81 shown in FIG. 13, attribute item buttons 82a, 82b, 82c, and 82d are highlighted.

These attribute item buttons 82a, 82b, 82c, and 82d indicate that a plurality of attribute items that serve as criteria for determining similar users are: annual income of 5 million yen, resident in Tokyo, 30s, and male. In the following, when each of the plurality of attribute item buttons 82a, 82b, 82c, and 82d is shown without being individually distinguished, it may be referred to as an attribute item button 82.

The attribute item button 82 is a GUI that allows selection of attribute items to be canceled or reselected. By operating the operation unit 12 of the terminal device 2 and selecting the attribute item button 82, the user U can cancel or reselect attribute items for identifying similar users.

For example, in the state shown in FIG. 13, the user U can release "Tokyo" as an attribute item for identifying similar users by operating the attribute item button 82d. In this case, the providing unit 47 transmits target user portfolio information 80 to the terminal device 2 in which multiple attribute items that serve as criteria for determining similar users are annual income of 5 million yen, 30s, and male. The user portfolio information 80 is displayed on the display unit 11.

The category selection button 86 is a GUI selected by the user U when the user U does not want to include a specific category in the portfolio, and in the example shown in FIG. 13, the user U does not want to include the category "real estate" in the portfolio. Selected in case. Note that the category selection button 86 is not limited to the category "real estate", and may be a GUI that is selected when other categories are not included instead of or in addition to the category "real estate".

The add item button 87 is a GUI for adding attribute items that serve as criteria for determining similar users, and by selecting the add item button 87, the user U displays the attribute item list on the display unit 11 and adds such attributes. A desired attribute item can be selected from the item list.

In this case, the providing unit 47 transmits to the terminal device 2 target user portfolio information 80 with user U as a similar user having an attribute that further includes the attribute item selected from the attribute item list, and The user portfolio information 80 is displayed on the display unit 11.

The portfolio comparison information 83 is information in which information indicating the target user's portfolio and information indicating the portfolios of similar users are arranged. In the example shown in FIG. 13, the portfolio comparison information 83 is information in which a stacked bar graph indicating the composition ratio of the target user's portfolio and a stacked bar graph indicating the portfolios of similar users are arranged side by side. The information showing the portfolio is not limited to a stacked bar graph, but may be a pie chart, a bar graph or a line graph showing proportions for each category.

Further, in the example shown in FIG. 13, similar user portfolio information, which is information on portfolios of similar users included in the portfolio comparison information 83, is information indicating a similar user average portfolio obtained by averaging the composition ratios of portfolios of a plurality of similar users. It is.

Similar user portfolio information may be information indicating a portfolio of a similar user with the highest investment profit or information indicating a portfolio of a similar user with the highest evaluation value. Further, the similar user portfolio information may be information indicating a portfolio of a similar user with the highest score obtained by weighted addition of investment profits and evaluation amounts.

Portfolio comparison result information 84 is information indicating a comparison result between a target user's portfolio and a similar user's portfolio. In the example shown in FIG. 13, the portfolio of similar users is, for example, the average portfolio of similar users.

Further, in the example shown in FIG. 13, the portfolio comparison result information 84 includes information regarding categories in which there is a difference of 5 points (5%) or more among the comparison results of each category between the target user's portfolio and the average portfolio of similar users. It is.

Specifically, in the example shown in FIG. 13, the portfolio comparison result information 84 includes the character string "Compared to the average," the character string "The ratio of real estate seems to be 17 points higher." and the character string "Japanese stocks." ” and the character string “The ratio of investment trusts appears to be 8 points lower.”.

Similar user portfolio information 85 includes information on each category of portfolios of similar users. In the example shown in FIG. 13, the similar user's portfolio is the similar user average portfolio.

Specifically, in the example shown in FIG. 13, in the portfolio comparison result information 84, the appraised value of the category "real estate" in the average portfolio of similar users is 3 million, and the appraised value of the category "Japanese stocks" is 8 million. It has been shown that

Next, detailed investment product information displayed on the display unit 11 when the investment product information 78 included in the ranking information 70 shown in FIG. 12 is selected will be described. FIG. 14 is a diagram illustrating an example of investment target product detailed information provided by the providing unit 47 of the information processing device 1 and displayed on the display unit 11 of the terminal device 2 according to the embodiment.

For example, when the investment target product selected by the target user is a stock of company A and the investment level of the target user is level 2, the investment target product detailed information 90 shown in FIG. This is information provided to In the example shown in FIG. 14, the investment target product detailed information 90 includes investment information 91, 92, and 93.

Investment information 91 includes emotional information 91a that includes an emotional graph generated based on comments posted about company A by multiple users U, and attention-grabbing among comments posted about company A by multiple users U. It includes notable comment information 91b, which is information about the comment.

In the example shown in FIG. 14, the noted comment information 91b is highlighted as the interested user information, and the details of the comment indicated by the noted comment information 91b are being viewed by the interested user or are being viewed by the interested user. It has been shown that

The investment information 92 is information indicating the details of company A's shareholder benefits. The investment information 93 is information showing a chart of Company A's stock. Note that the investment product detailed information 90 includes investment information other than investment information 91, 92, and 93, and the user U operates the operation unit 12 to perform a scroll operation on the investment product detailed information 90. By doing so, investment information other than the investment information 91, 92, and 93 can be displayed on the display unit 11.

FIG. 15 is a diagram showing another example of investment target product detailed information provided by the providing unit 47 of the information processing device 1 and displayed on the display unit 11 of the terminal device 2 according to the embodiment. For example, when the investment target product selected by the target user is a stock of company A and the investment level of the target user is level 1, the investment target product detailed information 90 shown in FIG. This is information provided to

In the example shown in FIG. 15, the investment target product detailed information 90 includes investment information 93, 94, and 95. The investment information 94 is information including information regarding the stock price of Company A's stock on that day. The investment information 95 is information including information on various items such as the market capitalization of Company A's stock and the number of shares in a unit.

Note that the investment product detailed information 90 includes investment information other than investment information 93, 94, and 95, and the user U can check the investment information by performing a scroll operation or the like on the investment product detailed information 90. Investment information other than 93, 94, and 95 can be displayed on the display unit 11.

Further, the investment target product detailed information 90 shown in FIG. By performing a scrolling operation or the like, it is possible to know that the content is being viewed by the user of interest or that the content has been viewed by the user of interest.

[5. Processing procedure]
Next, a procedure of information processing by the processing unit 22 of the information processing device 1 according to the embodiment will be described. FIG. 16 is a flowchart illustrating an example of information processing by the processing unit 22 of the information processing device 1 according to the embodiment.

As shown in FIG. 16, the processing unit 22 of the information processing device 1 determines whether a request from the terminal device 2 has been received (step S20). Requests from the terminal device 2 include, for example, the above-mentioned home information request, investment-related information request, category display information request, ranking information request, subcategory detailed information request, portfolio information request, and the like.

When determining that the request has been received (step S20: Yes), the processing unit 22 performs an information providing process of generating information according to the received request and transmitting the generated information to the terminal device 2 (step S21). . When the process of step S21 is completed, or when it is determined that the request is not accepted (step S20: No), the processing unit 22 determines whether or not setting information has been received from the terminal device 2 (step S22). ).

When the processing unit 22 determines that the setting information has been received from the terminal device 2 (step S22: Yes), the processing unit 22 stores the received setting information in the storage unit 21 (step S23). When the process of step S23 is completed, or when it is determined that the setting information has not been received from the terminal device 2 (step S22: No), the processing unit 22 determines whether the estimated timing has come (step S24). ). The estimation timing is the timing at which the function of the estimation unit 42 described above is executed.

If the processing unit 22 determines that the estimation timing has come (step S24: Yes), it performs estimation processing (step S25). The estimation process in step S25 is the above-described estimation process in the estimation unit 42 described above. When the process of step S25 is completed, the processing unit 22 determines whether the estimated timing has not arrived (step S24: No), and determines whether the determination timing has arrived (step S26). The determination timing is the timing at which the function of the determination unit 43 described above is executed.

When determining that the determination timing has come (step S26: Yes), the processing unit 22 performs determination processing (step S27). The determination process in step S27 is the above-described determination process in the determination unit 43 described above. When the process of step S27 is completed, the processing unit 22 determines whether the determination timing has not arrived (step S26: No), and determines whether the comparison timing has arrived (step S28). The comparison timing is the timing at which the function of the comparison section 44 described above is executed.

When determining that the comparison timing has come (step S28: Yes), the processing unit 22 performs a comparison process (step S29). The comparison process in step S29 is the above-described comparison process in the above-described comparison unit 44. When the process of step S29 is completed, the processing unit 22 determines whether the comparison timing has not arrived (step S28: No), and determines whether the determination timing has arrived (step S30). The determination timing is the timing at which the function of the determination unit 45 described above is executed.

If the processing unit 22 determines that the determination timing has come (step S30: Yes), it performs determination processing (step S31). The decision process in step S31 is the above-described decision process in the decision unit 45 mentioned above. When the process of step S31 is completed, the processing unit 22 determines whether the determination timing has not arrived (step S30: No), and determines whether or not the operation end timing has arrived (step S32). For example, when the power of the information processing device 1 is turned off, or when it is determined that a termination operation has been performed by operating an operation section (not shown) of the information processing device 1, the processing section 22 determines the operation termination timing. It is determined that it has become.

If the processing unit 22 determines that the operation end timing has not come yet (step S32: No), the process proceeds to step S20, and if it determines that the operation end timing has come (step S32: Yes), the process proceeds to FIG. The indicated process ends.

Note that the processing unit 22 performs the processing in steps S20 and S21, the processing in steps S22 and S23, the processing in steps S24 and S25, the processing in steps S26 and S27, the processing in steps S28 and S29, and the processing in steps S30, The process of S31 can be performed in parallel.

[6. Modified example]
The learning model described above is generated, for example, by machine learning using a neural network such as a convolutional neural network, a recurrent neural network, or a deep neural network, but is not limited to such examples. For example, instead of using a neural network, the learning model may be generated using machine learning using a learning algorithm such as GBDT (Gradient Boosting Decision Tree), linear regression, or logistic regression.

The terminal device 2 cooperates with the information processing device 1 to operate one of a receiving section 40 , an acquiring section 41 , an estimating section 42 , a determining section 43 , a comparing section 44 , a determining section 45 , a generating section 46 , and a providing section 47 . It is possible to execute some or all of one or more functions, and includes a reception unit 40, an acquisition unit 41, an estimation unit 42, a determination unit 43, a comparison unit 44, a determination unit 45, a generation unit 46, and a provision unit 47. It can function as a part of an information processing device having part or all of one or more of the functions. Note that hereinafter, a configuration including the above-described information processing device 1 and a part or all of the terminal device 2 may be referred to as an information processing device 1.

The processing unit 15 shown in FIG. 3 allows various programs (an example of an information processing program) stored in a storage device (for example, the storage unit 14) inside the terminal device 2 to be stored in a RAM by a processor such as a CPU or an MPU. This is achieved by executing it as a work area.

[7. Hardware configuration]
Each of the information processing device 1 and the terminal device 2 according to the embodiments described above is realized by, for example, a computer 200 configured as shown in FIG. 17. FIG. 17 is a hardware configuration diagram showing an example of a computer 200 that implements the functions of the information processing device 1 and the terminal device 2 according to the embodiment. The computer 200 includes a CPU 201, a RAM 202, a ROM (Read Only Memory) 203, an HDD (Hard Disk Drive) 204, a communication interface (I/F) 205, an input/output interface (I/F) 206, and a media interface (I/F). )207.

The CPU 201 operates based on a program stored in the ROM 203 or HDD 204 and controls each part. The ROM 203 stores a boot program executed by the CPU 201 when the computer 200 is started, programs depending on the hardware of the computer 200, and the like.

The HDD 204 stores programs executed by the CPU 201, data used by the programs, and the like. The communication interface 205 receives data from other devices via the network N (see FIG. 2) and sends it to the CPU 201, and sends data generated by the CPU 201 to the other devices via the network N.

The CPU 201 controls output devices such as a display and a printer, and input devices such as a keyboard and a mouse via an input/output interface 206. The CPU 201 obtains data from an input device via the input/output interface 206. Further, the CPU 201 outputs the generated data to an output device via the input/output interface 206.

Media interface 207 reads a program or data stored in recording medium 208 and provides it to CPU 201 via RAM 202 . The CPU 201 loads this program from the recording medium 208 onto the RAM 202 via the media interface 207, and executes the loaded program. The recording medium 208 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when the computer 200 functions as the information processing device 1 according to the embodiment, the CPU 201 of the computer 200 realizes the functions of the processing unit 15 and the processing unit 22 by executing a program loaded onto the RAM 202. Furthermore, data in the storage unit 14 or the storage unit 21 is stored in the HDD 204 . The CPU 201 of the computer 200 reads these programs from the recording medium 208 and executes them, but as another example, these programs may be acquired from another device via the network N.

[8. others〕
Furthermore, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, or the processes described as being performed manually can be performed manually. All or part of the process can also be performed automatically using known methods. In addition, information including the processing procedures, specific names, and various data and parameters shown in the above documents and drawings may be changed arbitrarily, unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

Furthermore, each component of each device shown in the drawings is functionally conceptual, and does not necessarily need to be physically configured as shown in the drawings. In other words, the specific form of distributing and integrating each device is not limited to what is shown in the diagram, and all or part of the devices can be functionally or physically distributed or integrated in arbitrary units depending on various loads and usage conditions. Can be integrated and configured.

For example, the information processing device 1 described above may be realized by multiple server computers, and depending on the function, the configuration can be changed flexibly, such as by calling an external platform using API or network computing. .

Furthermore, the embodiments and modifications described above can be combined as appropriate within a range that does not conflict with the processing contents.

[9. effect〕
As described above, the information processing device 1 according to the embodiment includes the generation section 46 and the provision section 47. The generation unit 46 generates category display information that is information indicating each category in a manner according to the investment state for each category of investment target products. The providing unit 47 provides the category display information generated by the generating unit 46. Thereby, the information processing device 1 can improve convenience for the user U.

Further, the investment state is at least one of the number of users U who own investment target products included in the category and the total amount of investment target products included in the category. Thereby, the information processing device 1 can improve convenience for the user U.

Further, the generation unit 46 generates, as category display information, information indicating each category in a manner in which the degree of emphasis is increased as at least one of the number of holding users and the total amount is larger, as a manner according to the investment state. Thereby, the information processing device 1 can improve convenience for the user U.

In addition, the generation unit 46 generates information indicating each category in a manner in which a shape indicating the category is emphasized more as the category has a larger number of users and at least one of the total amount, as category display information, in accordance with the investment state. generate. Thereby, the information processing device 1 can improve convenience for the user U.

The generation unit 46 also generates an investment category, which is a category in which the destination user U, who is the destination user of the category display information, has invested, and an uninvested category, which is a category in which the destination user has not invested, among the plurality of categories. Information shown in a manner different from the category is generated as category display information. Thereby, the information processing device 1 can improve convenience for the user U.

Furthermore, the generation unit 46 generates, as category display information, information in which a figure indicating an investment category is placed closer to the reference position than a figure indicating an uninvested category among the plurality of categories. Thereby, the information processing device 1 can improve convenience for the user U.

In addition, the generation unit 46 displays the category information such that the information indicating a category in which the number of other users U who are similar to the user U who owns the investment target product of the uninvested category is large is placed at a position closer to the reference position. Generate as information. Thereby, the information processing device 1 can improve convenience for the user U.

The information processing device 1 also includes a reception unit 40 that receives a selection of a category from among a plurality of categories by the user U to whom the category display information is provided. The providing unit 47 provides information indicating a plurality of categories included in the selected category, which is the category whose selection has been accepted by the receiving unit 40. Thereby, the information processing device 1 can improve convenience for the user U.

Further, the providing unit 47 provides information indicating a plurality of categories included in the category whose selection has been accepted by the accepting unit 40 in a manner according to the investment state. Thereby, the information processing device 1 can improve convenience for the user U.

Although the embodiments of the present application have been described above in detail based on the drawings, this is merely an example, and various modifications and improvements can be made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure section of the invention. It is possible to implement the invention in other forms.

Further, the above-mentioned "section, module, unit" can be read as "means", "circuit", etc. For example, the acquisition unit can be read as an acquisition means or an acquisition circuit.

1 Information processing device 2 Terminal device 10, 20 Communication unit 11 Display unit 12 Operation unit 13 Sensor group 14, 21 Storage unit 15, 22 Processing unit 16 Information acquisition unit 17 Display processing unit 18 Information output unit 30 User information storage unit 31 Portfolio Information storage section 32 Investment information storage section 40 Reception section 41 Acquisition section 42 Estimation section 43 Judgment section 44 Comparison section 45 Determination section 46 Generation section 47 Provision section 100 Information processing system

Claims (11)

a generation unit that generates category display information that is information indicating each category of investment target products in a manner according to the investment state;
An information processing device comprising: a providing unit that provides the category display information generated by the generating unit. The investment status is
According to claim 1, it is at least one of the number of users who own investment target products included in the category and the total amount of investment target products included in the category. Information processing device. The generation unit is
The category display information is characterized in that information indicating each of the categories is generated in a manner that increases the degree of emphasis as at least one of the number of ownership users and the total amount increases as a manner corresponding to the investment state. The information processing device according to claim 2. The generation unit is
Generating information indicating each category as the category display information in a manner corresponding to the investment state in which a shape representing the category is emphasized more as the category has a larger number of users and at least one of the total amount; The information processing device according to claim 3, characterized in that: The generation unit is
Among the plurality of categories, the investment category, which is a category in which the destination user who is the user to whom the category display information is provided, has invested is different from the uninvested category, which is a category in which the destination user has not invested. The information processing apparatus according to claim 1 or 2, wherein information indicating the category is generated as the category display information. The generation unit is
6. The category display information is generated as information in which a figure indicating the investment category among the plurality of categories is placed closer to a reference position than a figure indicating the uninvested category. Information processing device. The generation unit is
The information indicating a category that has investment target products in the uninvested category and has a larger number of other users who are similar to the user is generated as the category display information, the information being placed closer to the reference position. The information processing device according to claim 6. comprising a reception unit that receives a selection of the category by a user to whom the category display information is provided from among the plurality of categories;
The provision department is
The information processing device according to claim 1 or 2, further comprising: providing information indicating a plurality of categories included in a selected category that is a category whose selection has been accepted by the accepting unit. The provision department is
The information processing apparatus according to claim 8, further comprising: providing information indicating a plurality of categories included in the category whose selection has been accepted by the reception unit in a manner according to an investment state. An information processing method performed by a computer, the method comprising:
a generation step of generating category display information that is information indicating each category of investment target products in a manner according to the investment state;
An information processing method comprising: a providing step of providing the category display information generated by the generating step. a generation procedure for generating category display information that is information indicating each category of investment target products in a manner according to the investment state;
An information processing program that causes a computer to execute a providing step of providing the category display information generated by the generating step.

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