JP6134428B1 - Providing device, providing method, and providing program - Google Patents

Abstract

Information regarding financial product transactions is appropriately provided according to a user. A providing apparatus according to the present application includes an acquisition unit and a providing unit. The acquisition unit acquires information about one user. The providing unit provides, to one user, information related to the operation status in financial product transactions of similar users similar to one user among users who use a predetermined financial product transaction service. [Selection] Figure 2

Description

  The present invention relates to a providing device, a providing method, and a providing program.

  2. Description of the Related Art Conventionally, techniques for providing various information related to financial product transactions have been provided. For example, a technique for presenting an operation policy to a consulting customer according to a comparison between an asset allocation rate of a consulting customer (user) and an asset allocation rate of another person (other user) is provided.

JP 2007-293731 A

  However, in the above-described conventional technology, it is not always possible to appropriately provide information related to financial product transactions according to the user. For example, when the information such as the asset allocation rate of the user is not sufficient, it may be difficult to appropriately provide information related to the financial product transaction according to the user.

  The present application has been made in view of the above, and an object thereof is to provide a providing device, a providing method, and a providing program that appropriately provide information related to financial product transactions according to a user.

  The providing apparatus according to the present application includes an acquisition unit that acquires information on one user, and information on an operation status in a financial product transaction of a similar user similar to the one user among users who use a predetermined financial product transaction service. And a providing unit that provides the user with the one user.

  According to one aspect of the embodiment, there is an effect that information related to financial product transactions can be appropriately provided according to the user.

FIG. 1 is a diagram illustrating an example of a providing process according to the embodiment. FIG. 2 is a diagram illustrating a configuration example of the providing apparatus according to the embodiment. FIG. 3 is a diagram illustrating an example of a user information storage unit according to the embodiment. FIG. 4 is a diagram illustrating an example of the behavior information storage unit according to the embodiment. FIG. 5 is a diagram illustrating an example of the operation information storage unit according to the embodiment. FIG. 6 is a flowchart illustrating an example of the providing process according to the embodiment. FIG. 7 is a diagram illustrating an example of operation information display according to the embodiment. FIG. 8 is a diagram illustrating an example of operation information display according to the embodiment. FIG. 9 is a hardware configuration diagram illustrating an example of a computer that realizes the function of the providing apparatus.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for providing a providing apparatus, a providing method, and a providing program according to the present application (hereinafter referred to as “embodiments”) will be described in detail with reference to the drawings. In addition, the providing apparatus, the providing method, and the providing program according to the present application are not limited by this embodiment. In the following embodiments, the same portions are denoted by the same reference numerals, and redundant description is omitted.

(Embodiment)
[1. Provision processing)
An example of the providing process according to the embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of a providing process according to the embodiment. In FIG. 1, the providing apparatus 100 acquires information related to one user, and among the users who use a predetermined financial product transaction service, information related to the operational status in financial product transactions of similar users similar to the one user (hereinafter, referred to as “fault”). , Also referred to as “operation information”) to one user. In the following, one user who provides information by the providing apparatus 100 may be referred to as a “target user”.

  As shown in FIG. 1, the providing system 1 includes a terminal device 10 and a providing device 100. The terminal device 10 and the providing device 100 are connected to be communicable by wire or wireless via a predetermined communication network (not shown). In addition, the providing system 1 illustrated in FIG. 1 may include a plurality of terminal devices 10 and a plurality of providing devices 100.

  The terminal device 10 is an information processing device used by a user. The terminal device 10 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. The terminal device 10 may be any device that can be used by the user and can provide information to the user. For example, the terminal device 10 may be a dedicated terminal for a predetermined financial product transaction service. In the example shown in FIG. 1, the case where the terminal device 10 is a smartphone used by the user is shown. Hereinafter, the terminal device 10 may be referred to as a user. That is, hereinafter, the user can be read as the terminal device 10.

  Specifically, FIG. 1 illustrates a case where the terminal device 10 is a smartphone used by a user identified by the user ID “U11” (hereinafter, may be referred to as “user U11”). FIG. 1 shows a case where the target user is the user U11. Note that, as described above, “user U * (* is an arbitrary numerical value)” indicates that the user is a user identified by the user ID “U *”. For example, “user U1” indicates that the user is a user identified by the user ID “U1”.

  In the example illustrated in FIG. 1, the terminal device 10 will be described as the terminal devices 10-1 and 10-2 according to the display of the screen of the terminal device 10. The terminal devices 10-1 and 10-2 are the same terminal device 10. Hereinafter, the terminal devices 10-1 and 10-2 will be referred to as the terminal device 10 when they are not particularly distinguished.

  The providing device 100 is a providing device that provides information regarding the operational status in financial product transactions of similar users similar to the target user among users who use a predetermined financial product transaction service to the target user. The providing apparatus 100 may provide a predetermined financial product transaction service. When another service providing device provides a predetermined financial product transaction service, the providing system 1 may include a service providing device that provides a predetermined financial product transaction service. In this case, the providing apparatus 100 may acquire information used for providing information to the target user from a service providing apparatus that provides a predetermined financial product transaction service.

  First, the user U11 who is the target user inputs information related to the user U11 to the terminal device 10-1. In the example illustrated in FIG. 1, the user U11 inputs information related to the user U11 in the input fields BX11 to BX13 in the input page W11 displayed on the screen of the terminal device 10-1. For example, the example of FIG. 1 shows a case where the user U11 inputs “age”, “annual income”, and “business type”. The example of FIG. 1 shows a case where a user whose “age”, “annual income”, or “business type” is similar to the user U11 is a similar user.

  In the following, in order to simplify the description, a case where a user whose “age”, “annual income”, and “business type” are similar to the user U11 is shown as a similar user. It may be extracted. That is, the providing apparatus 100 may use a variety of information (attributes) as appropriate according to the purpose, and a user with any similar attribute may be a similar user. For example, the providing apparatus 100 may use a user whose “gender”, “residence”, “investment history”, and the like are similar to each other.

  For example, the user U11 inputs “30” in the input field BX11 for inputting the age. That is, the user U11 inputs information indicating that the age of the user U11 is 30 years old. For example, the user U11 inputs “350” in the input field BX12 for inputting the annual income. That is, the user U11 inputs information indicating that the annual income of the user U11 is 3.5 million yen. For example, the user U11 inputs “manufacturing” in the input field BX13 for inputting a business type. That is, the user U11 inputs information indicating that the business type of the user U11 is a manufacturing industry. Thereafter, the user U11 presses the button BT11 on which “Compare” is displayed in the input page W11 displayed on the screen of the terminal device 10-1.

  The terminal device 10-1 in which the button BT11 is pressed by the user U11 transmits the user information of the user U11 to the providing device 100 (step S11). In the example of FIG. 1, the terminal apparatus 10-1 requests the providing apparatus 100 to provide information by transmitting the user information of the user U <b> 11 to the providing apparatus 100. Thereby, the providing apparatus 100 acquires a request for providing information related to the user U11 who is the target user, and acquires user information of the user U11. In the example of FIG. 1, the providing device 100 has the age of the user U11 from the terminal device 10-1 as “30 years old”, the annual income of the user U11 as “3.5 million yen”, and the industry of the user U11 as “manufacturing industry”. ”Is acquired. In addition, when the providing apparatus 100 has acquired the user information of the user U11 in advance, the user U11 performs the following process by pressing the button BT11 regardless of whether there is an input in the input fields BX11 to BX13. May be. Thus, the providing apparatus 100 may have a different timing for acquiring user information of the target user and a timing for acquiring a request for providing information from the target user.

  The providing apparatus 100 that has acquired a request for providing information from the user U11 who is the target user extracts a similar user who is a user similar to the user U11 (step S12). In the example of FIG. 1, the providing apparatus 100 extracts a user similar to the user U11 from the user information storage unit 121. For example, the user information storage unit 121 stores information about a user who uses a predetermined financial product transaction service, and the providing apparatus 100 is similar to the user U11 among the users stored in the user information storage unit 121. To extract users.

  For example, in the example illustrated in FIG. 1, the user information storage unit 121 stores information on a large number of users (for example, 1 million users) such as users U1 to U3 who are users who use a predetermined financial product transaction service. . For example, as shown in the user information storage unit 121 in FIG. 1, the user U1 who uses a predetermined financial product transaction service has an age of “35 (years)”, a gender of “male”, and an occupation. “Company employee”, type of industry “manufacturing”, and annual income “4 million yen”. For example, as shown in the user information storage unit 121 in FIG. 1, the user U2 who uses a predetermined financial product transaction service has an age of “28 (years)” and a gender of “female”. The occupation is “company employee”, the type of business is related to “IT (Information Technology)”, and the annual income is “5 million (yen)”.

  Here, the providing apparatus 100 extracts, from the user information storage unit 121, a user having an age, annual income, and business type similar to the age, annual income, and business type of the user U11 as a similar user of the user U11. For example, the providing apparatus 100 determines whether the difference from the age “30 (years)” of the user U11 is within 5 years old, or whether the difference from the annual income “3.5 million (yen)” of the user U11 is within 1 million yen. Then, a user whose business type is the same as the business type “manufacturing industry” of the user U11 is extracted as a similar user of the user U11. In the example of FIG. 1, the providing apparatus 100 uses a user U1 whose age is “35 (years)”, the business type is “manufacturing”, and the annual income is “4 million (yen)” as a similar user of the user U11. Extract as Further, in the example of FIG. 1, the providing apparatus 100 assigns the user U3 whose age is “29 (years)”, the business type is “manufacturing”, and the annual income is “4.2 million (yen)” to the user U11. Extract as similar users. Thus, the providing apparatus 100 extracts a plurality of users including the user U1 and the user U3 as similar users of the user U11.

  Thereafter, the providing apparatus 100 extracts operation information of a similar user of the user U11 (step S13). In the example of FIG. 1, the providing apparatus 100 extracts operation information of a similar user of the user U11 from the operation information storage unit 123. For example, the operation information storage unit 123 stores information related to the operation status of a user who uses a predetermined financial product transaction service, and the providing apparatus 100 includes the operation information stored in the operation information storage unit 123. The operation information of the similar user of the user U11 is extracted.

In the example of FIG. 1, the providing apparatus 100 extracts the operation information of the user U1 and the user U3 who are similar users of the user U11 from the operation information storage unit 123. For example, the providing apparatus 100 confirms that the total investment amount of the user U1 is “500,000 (yen)” and that the user U1 has generated an average profit of “5%” in a predetermined period in the operation so far. The operation information of the user U1 including the information to be shown is extracted from the operation information storage unit 123.

  After that, the providing apparatus 100 generates statistical information IS11 regarding the similar user of the user U11 (step S14). In the example of FIG. 1, the providing apparatus 100 performs statistical processing based on attribute information, operation information, and the like related to similar users (user U1, user U3, etc.) of the user U11 extracted from the user information storage unit 121 and the operation information storage unit 123. The target information IS11 is generated. For example, the providing apparatus 100 generates the statistical information IS11 including the statistics of the operation status of the similar user of the user U11. For example, the providing apparatus 100 generates statistical information IS11 including information related to the proportion of similar users of the user U11 among users who use a predetermined financial product transaction service. For example, the providing apparatus 100 generates the statistical information IS11 including the average profit / loss, the maximum profit, and the maximum loss of all the similar users of the user U11. The providing apparatus 100 is not limited to the information on the similar user of the user U11, and uses the information stored in the user information storage unit 121, the behavior information storage unit 122 (see FIG. 4), and the operation information storage unit 123, The target information IS11 is generated.

  Thereafter, the providing device 100 provides the statistical information IS11 to the terminal device 10 used by the user U11 (step S15). The terminal device 10 provided with the statistical information IS11 from the providing device 100 displays the statistical information IS11 (step S16). In the example of FIG. 1, the display is transitioned from the terminal device 10-1 to the terminal device 10-2.

  In the example of FIG. 1, as shown in the terminal device 10-2, statistical information IS11 and user information IU11 of the user U11 are displayed in the provided information page W12. In the example of FIG. 1, in the area AR11 in the provided information page W12, the age of the user U11 is “30 years old”, the annual income of the user U11 is “3.5 million yen”, and the business type of the user U11 is “manufacturing industry”. User information IU11 indicating "

  Further, in the example of FIG. 1, statistical information IS11-1 regarding the annual income of the user U11 is displayed in the area AR12 in the provided information page W12. For example, the statistical information IS11-1 includes comparison information IM11 regarding a comparison between the annual income of the user U11 and the total annual income of the user who uses a predetermined financial product transaction service. In the example of FIG. 1, the total annual income of the user who uses the predetermined financial product transaction service is “4 million (yen)”.

  In this case, for example, the comparison information IM11 indicates that the annual income “3.5 million (yen)” of the user U11 is 500,000 yen compared to the total annual income “4 million (yen)” of the user who uses the predetermined financial product transaction service. The low is indicated by an icon simulating five bills. The comparison information IM11 may include text information such as “from average annual income of −500,000 yen”.

  Further, for example, the statistical information IS11-1 includes a graph GR11 and character information CH11 indicating the average profit / loss, maximum profit, and maximum loss of similar users with similar annual income of the user U11. In the graph GR11 and the character information CH11, the average profit / loss of similar users with similar annual income of the user U11 is “10%”, and the maximum profit of similar users with similar annual income of the user U11 is “50%”. It shows that the maximum loss of similar users with similar annual income is “−30%”.

  In the example of FIG. 1, statistical information IS11-2 regarding the age of the user U11 is displayed in the area AR13 in the provided information page W12. For example, the statistical information IS11-2 includes comparison information IM12 regarding a comparison between the age (age) of the user U11 and the age (age) of the user who uses a predetermined financial product transaction service. In the example of FIG. 1, the statistical information IS11-2 includes comparison information IM12 relating to the proportion of similar users with similar age of the user U11 among users who use a predetermined financial product transaction service. Specifically, the comparison information IM12 indicates that the percentage of users who are the age of the user U11 (for example, 25 to 35 years old) among the users who use the predetermined financial product transaction service is 30%. The comparison information IM11 may include text information such as “user ratio of user U11 is 30%”.

  Further, for example, the statistical information IS11-2 includes a graph GR12 and character information CH12 indicating the average profit / loss, the maximum profit, and the maximum loss of similar users who are similar in age to the user U11. In the graph GR12 and the character information CH12, the average profit / loss of the similar user whose age of the user U11 is similar is “30%”, and the maximum profit of the similar user whose age of the user U11 is similar is “50%”. It shows that the maximum loss of similar users with similar age is “−30%”.

  Note that the statistical information IS11-1 and IS11-2 are examples, and the statistical information IS11 may include various information. For example, the statistical information IS11 may include information on the proportion of similar users with similar business types of the user U11 among users who use a predetermined financial product transaction service. Further, for example, the statistical information IS11 may include graphs and character information indicating the average profit / loss, maximum profit, and maximum loss of similar users with similar business types of the user U11.

  As described above, the providing apparatus 100 can appropriately provide information related to the financial product transaction according to the user by providing statistical information related to the user similar to the target user. Further, for example, when the target user is a user who has an investment experience in a predetermined financial product transaction service, the providing apparatus 100 may provide the target user with operation information of a user similar to the investment experience. As a result, the providing apparatus 100 can provide appropriate information for reference to the target user, and the target user can know the operation status of the user close to his investment experience. Can be used. The providing apparatus 100 is not limited to statistical information related to users similar to the target user, and may provide information related to various similar users. For example, the providing apparatus 100 may provide operation information for each user similar to the target user, details of which will be described later.

  In the example described above, the providing apparatus 100 provides information in response to a request from the user. However, the providing apparatus 100 may provide information appropriately. For example, when the target user browses a predetermined portal site or the like, the providing apparatus 100 specifies the target user by acquiring information for identifying the user, and determines the target user based on the user information of the target user. Similar operation information for each user may be provided. For example, when the target user browses a predetermined portal site or the like, the providing apparatus 100 specifies the target user by using, for example, a cookie (cookie), and based on various information such as the purchase history of the specified target user, Operation information of individual users similar to the target user may be provided.

[2. Configuration of the providing device]
Next, the configuration of the providing apparatus 100 according to the embodiment will be described with reference to FIG. FIG. 2 is a diagram illustrating a configuration example of the providing apparatus according to the embodiment. As illustrated in FIG. 2, the providing apparatus 100 includes a communication unit 110, a storage unit 120, and a control unit 130. The providing apparatus 100 includes an input unit (for example, a keyboard and a mouse) that receives various operations from an administrator of the providing apparatus 100 and a display unit (for example, a liquid crystal display) for displaying various types of information. May be.

(Communication unit 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card). The communication unit 110 is connected to the network by wire or wirelessly, and transmits / receives information to / from the terminal device 10 included in the providing system 1, for example.

(Storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As illustrated in FIG. 2, the storage unit 120 according to the embodiment includes a user information storage unit 121, a behavior information storage unit 122, and an operation information storage unit 123.

(User information storage unit 121)
The user information storage unit 121 according to the embodiment stores various types of information regarding the user. For example, the user information storage unit 121 stores various user information such as user attribute information. FIG. 3 is a diagram illustrating an example of a user information storage unit according to the embodiment. For example, the user stored in the user information storage unit 121 may be a user who uses a predetermined financial transaction service. The user information storage unit 121 illustrated in FIG. 3 includes items such as “user ID”, “age”, “gender”, “profession”, “business type”, “annual income”, “residential residence”, and “investment history”. .

  “User ID” indicates identification information for identifying a user. “Age” indicates the age of the user. The “age” may be information indicating a predetermined age such as 30's. “Gender” indicates the gender of the user who uses the terminal device 10. “Occupation” indicates the occupation of the user. “Industry” indicates the industry in the user's occupation. “Annual income” indicates the annual income of the user. “Residence” indicates the residence of the user. In the example of FIG. 3, “residence” stores information indicating a predetermined area such as “A area”, but “residence” stores the address where the user resides. Good. “Investment history” indicates the period of experience related to the user's financial product transaction. For example, “investment history” indicates a period after the user starts a financial product transaction.

  For example, in the example illustrated in FIG. 3, the age of the user (user U1) identified by the user ID “U1” is “35 (years)”, and the gender of the user is “male”. Further, for example, the user U1 indicates that the occupation is “company employee” and the industry type is “manufacturing industry”. Further, for example, the user U1 indicates that the annual income is “4 million (yen)”, the residence is “A area”, and the investment history is “5 years”.

  For example, in the example illustrated in FIG. 3, the age of the user (user U2) identified by the user ID “U2” is “28 (years)”, and the gender of the user is “female”. For example, the user U2 indicates that the occupation is “company employee” and the business type is “IT”. Further, for example, the user U2 indicates that the annual income is “5 million (yen)”, the residence is “B area”, and the investment history is “3 years”.

  The user information storage unit 121 is not limited to the above, and may store various types of information according to the purpose. For example, the user information storage unit 121 may store information on demographic attributes of users and information on psychographic attributes. For example, the user information storage unit 121 may store information such as name, family structure, interest, and lifestyle.

(Behavior information storage unit 122)
The behavior information storage unit 122 according to the embodiment stores various types of information regarding the user's behavior. FIG. 4 is a diagram illustrating an example of the behavior information storage unit according to the embodiment. The action information storage unit 122 illustrated in FIG. 4 includes items such as “user ID”, “action ID”, “type”, “content”, and “date and time”.

  “User ID” indicates identification information for identifying a user. The “behavior ID” indicates information for identifying the user's behavior. The “type” indicates information related to the type of action of the corresponding user. Further, “content” indicates content that is targeted in the corresponding user's action. “Date and time” indicates the date and time when the corresponding user action was performed. In the example of FIG. 4, the information stored in the “date and time” is illustrated by a symbol such as “dt10”, but the “date and time” may be “September 12, 2016 23:01:43” or the like. It is assumed that a specific date and time is stored.

  For example, in the example illustrated in FIG. 4, the user (user U1) identified by the user ID “U1” is the behavior identified by the behavior ID “AC10”, the behavior identified by the behavior ID “AC11”, the behavior The action identified by the ID “AC12” is performed. In the example illustrated in FIG. 4, the user U1 indicates that the content browsing of the page A (behavior AC10) was performed at the date and time dt10. Further, in the example illustrated in FIG. 4, the user U1 indicates that a search (action AC11) using the query “alcohol A” is performed on the date and time dt11. Further, in the example illustrated in FIG. 4, the user U1 indicates that the financial product A has been purchased (action AC12) at the date and time dt12. The financial product A may be any financial product such as a product related to securities and a product related to currency as long as it is a product related to finance.

  The behavior information storage unit 122 is not limited to the above, and may store various types of information according to the purpose. Moreover, although the case where action information was memorize | stored in the action information storage part 122 for every user ID was shown in FIG. 4, action information may be memorize | stored not only for every user ID but in order of time, for example. For example, the behavior information storage unit 122 may store information related to a behavior history regarding the operation of each user as behavior information. For example, the behavior information storage unit 122 may store information related to the date and time when each user traded the financial product or information as information regarding the behavior history regarding the operation of each user. For example, the behavior information storage unit 122 may store information on profits and losses generated by financial products held by each user and information on the date and time as information on the behavior history regarding the operation of each user.

(Operation Information Storage Unit 123)
The operation information storage unit 123 according to the embodiment stores various types of information related to operations in financial product transactions of each user. FIG. 5 is a diagram illustrating an example of the operation information storage unit according to the embodiment. The operation information storage unit 123 illustrated in FIG. 5 includes items such as “user ID” and “operation information”. “Management Information” includes “Total Investment”, “Loss (Average)”, “Loss (Last)”, “Loss (Maximum Profit)”, “Loss (Maximum Loss)”, “Method”, “Amount”, Items such as “ratio” are included.

  “User ID” indicates identification information for identifying a user. “Operational information” indicates operational information in the financial product transaction of each user. “Total investment” indicates the total amount operated by the user. For example, the “total investment” may be the total investment at that time. “Profit / Loss (Average)” indicates information related to the average of profit / loss generated by the user during a predetermined period (for example, one week or three months) in the investment history of the user. “Long profit / loss (most recent)” indicates information related to profit / loss generated by the user in the most recent operation (for example, the immediately preceding week or the immediately preceding month). “Profit / Loss (Maximum Profit)” indicates information related to the maximum profit generated by the user during a predetermined period (for example, two weeks or two months) in the user's investment history. “Profit / Loss (Maximum Loss)” indicates information relating to the maximum loss that has occurred to the user during the operation for a predetermined period (for example, one month or one year) in the investment history of the user.

  “Method” indicates a user's operation method. “Amount” indicates the amount invested by the user in the operation method. The “ratio” indicates the ratio of the amount invested by the user in each operation method.

  For example, in the example illustrated in FIG. 5, the total investment amount of the user (user U1) identified by the user ID “U1” is “500,000 (yen)”. For example, the user U1 indicates that “500,000 (yen)” is currently operated. Further, for example, the user U1 indicates that an average profit of “5%” has been generated in a predetermined period in the operation so far. Further, for example, the user U1 indicates that “10%” profit has been generated in the most recent operation. For example, the user U1 indicates that “50,000 (yen)”, which is “10%” of the total investment amount “500,000 (yen)”, has been generated as a profit in the most recent operation.

  Further, for example, the user U1 indicates that a maximum “20%” profit has been generated in the past operation. For example, in the case where the total investment amount is “500,000 (yen)” when the maximum profit is generated, the user U1 uses “100,000 (yen)” that is “20%” of the total investment amount “500,000 (yen)” as profit. Indicates that it was generated.

  Further, for example, the user U1 indicates that a maximum loss of “−10%” has occurred in the past operation. For example, when the total investment when the maximum loss occurs is “500,000 (yen)”, the user U1 is “−50,000 (yen)” which is “−10%” of the total investment “500,000 (yen)”. Is generated as a loss.

  Further, for example, the user U1 indicates that “foreign currency deposit” or “investment fund accumulation” is used as an operation method. Further, for example, the user U1 has invested “400,000 (yen)” in “foreign currency deposit” and assigned “80 (%)” of the total investment “500,000 (yen)”. Further, for example, the user U1 indicates that “50,000 (yen)” is invested in “fund fund accumulation”, and “10 (%)” of the total investment “500,000 (yen)” is allocated.

  The operation information storage unit 123 is not limited to the above, and may store various information according to the purpose. For example, the operation information storage unit 123 may store information related to the action history related to the operation of each user described above.

(Control unit 130)
Returning to the description of FIG. 2, the control unit 130 is a controller and is stored in a storage device inside the providing apparatus 100 by, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like. Various programs (corresponding to an example of a generation program) are implemented by using the RAM as a work area. The control unit 130 is a controller, and is realized by an integrated circuit such as an application specific integrated circuit (ASIC) or a field programmable gate array (FPGA).

  As illustrated in FIG. 2, the control unit 130 includes an acquisition unit 131, an extraction unit 132, a generation unit 133, and a provision unit 134, and realizes or executes information processing functions and operations described below. .

(Acquisition part 131)
For example, the acquisition unit 131 acquires various types of information. For example, the acquisition unit 131 acquires various types of information from the user information storage unit 121, the behavior information storage unit 122, and the operation information storage unit 123.

  The acquisition unit 131 may acquire various types of information from an external information processing apparatus. For example, the acquisition unit 131 acquires information related to one user. For example, the acquisition unit 131 acquires attribute information of one user. For example, the acquisition unit 131 acquires action information of one user. For example, the acquisition unit 131 acquires information related to an experience period related to a financial product transaction of one user.

  Moreover, the acquisition part 131 acquires the information regarding the one user who is not using the predetermined financial product transaction service. In the example of FIG. 1, the acquisition unit 131 acquires information related to the user U11 who is not using a predetermined financial product transaction service. In the example of FIG. 1, the acquisition unit 131 acquires information on the age, annual income, and business type of the user U11.

  In the example of FIG. 1, the acquisition unit 131 acquires a request for providing information regarding the user U11 who is the target user, and acquires user information of the user U11. In the example of FIG. 1, the acquisition unit 131 has the age of the user U11 from the terminal device 10-1 as “30 years old”, the annual income of the user U11 as “3.5 million yen”, and the business type of the user U11 as “manufacturing industry”. ”Is acquired.

(Extractor 132)
The extraction unit 132 extracts various information. For example, the extraction unit 132 extracts information related to similar users from the user information storage unit 121. For example, the extraction unit 132 extracts behavior information regarding a similar user from the behavior information storage unit 122. For example, the extraction unit 132 extracts operation information related to similar users from the operation information storage unit 123.

  For example, the extraction unit 132 extracts similar users that are similar to one user among users who use a predetermined financial product transaction service. In the example of FIG. 1, for example, when acquiring the user information of the user U11, the extraction unit 132 extracts a user (user U1, user U3, etc.) similar to the user U11 from the user information storage unit 121 as a similar user. For example, the extraction unit 132 extracts operation information related to similar users (user U1, user U3, etc.) of the user U11 from the operation information storage unit 123.

  In the example of FIG. 1, for example, when the acquisition unit 131 acquires a request for providing information from the user U11 who is the target user, the extraction unit 132 extracts a similar user who is a user similar to the user U11. In the example of FIG. 1, the extraction unit 132 extracts a user similar to the user U11 from the user information storage unit 121. For example, the user information storage unit 121 stores information about a user who uses a predetermined financial product transaction service, and the extraction unit 132 is similar to the user U11 among the users stored in the user information storage unit 121. To extract users.

(Generator 133)
The generation unit 133 generates various information. For example, the generation unit 133 generates statistical information. For example, the generation unit 133 generates statistical information based on the operation information of each similar user. In the example of FIG. 1, the generation unit 133 includes attribute information, operation information, and the like regarding similar users (user U1, user U3, etc.) of the user U11 extracted from the user information storage unit 121 and the operation information storage unit 123 by the extraction unit 132. The statistical information IS11 is generated based on the above.

  In the example of FIG. 1, the generation unit 133 generates statistical information IS11 related to a similar user of the user U11. In the example of FIG. 1, the generation unit 133 performs statistical processing based on attribute information, operation information, and the like related to similar users (user U1, user U3, etc.) of the user U11 extracted from the user information storage unit 121 and the operation information storage unit 123. The target information IS11 is generated. For example, the generation unit 133 generates the statistical information IS11 including the statistics of the operation status of the similar user of the user U11. For example, the generation unit 133 generates statistical information IS11 including information related to the proportion of similar users of the user U11 among users who use a predetermined financial product transaction service. For example, the generation unit 133 generates the statistical information IS11 including the average profit / loss, the maximum profit, and the maximum loss for all similar users of the user U11. Note that the generation unit 133 generates statistical information IS11 using information stored in the user information storage unit 121, the behavior information storage unit 122, and the operation information storage unit 123, as well as information on similar users of the user U11. To do.

(Providing unit 134)
The providing unit 134 provides various types of information to an external information processing apparatus. For example, the providing unit 134 provides, to one user, information related to the operation status in the financial product transaction of a similar user similar to one user among users who use a predetermined financial product transaction service.

  For example, the providing unit 134 provides information regarding the operational status of similar users whose attributes are similar to those of one user among users who use a predetermined financial product transaction service. For example, the providing unit 134 provides information regarding the operational status of a similar user whose behavior is similar to that of one user among users who use a predetermined financial product transaction service. For example, the providing unit 134 provides information regarding the operational status of a similar user whose experience period is similar to one user among users who use a predetermined financial product transaction service.

  For example, the providing unit 134 provides statistical information regarding the operation status of each of a plurality of users who are similar users. The providing unit provides statistical information including information related to a ratio of similar users among users who use a predetermined financial product transaction service. For example, the providing unit 134 provides statistical information including at least one of information on average profit / loss for all similar users, information on maximum profit for similar users, and information on maximum loss for similar users.

  For example, the providing unit 134 provides a single user with a part of the information regarding the operation status provided to a user who uses a predetermined financial product transaction service being hidden. For example, the providing unit 134 provides the one user with a notification indicating that a part of the non-display state is canceled when the one user uses a predetermined financial product transaction service.

  For example, the providing unit 134 provides the information extracted by the extracting unit 132 to an external information processing apparatus. For example, the providing unit 134 provides attribute information related to similar users extracted from the user information storage unit 121 by the extracting unit 132 to an external information processing apparatus. For example, the providing unit 134 provides behavior information regarding a similar user extracted from the behavior information storage unit 122 by the extraction unit 132 to an external information processing apparatus. For example, the providing unit 134 provides operation information regarding a similar user extracted from the operation information storage unit 123 by the extraction unit 132 to an external information processing apparatus.

  For example, the providing unit 134 provides the statistical information generated by the generating unit 133 to an external information processing apparatus. In the example of FIG. 1, the providing unit 134 provides the statistical information IS11 generated by the generating unit 133 to the terminal device 10 used by the user U11. The providing unit 134 is not limited to the above, and may provide various types of information according to the purpose and the like. For example, the providing unit 134 may provide the terminal device 10 with information related to the ratio of the investment amount in the annual income. For example, the providing unit 134 may provide the terminal device 10 with information regarding the ratio of the investment amount in the annual income of the user who uses the terminal device 10. Further, for example, the providing unit 134 may provide the terminal device 10 with information regarding the ratio of the investment amount in the annual income of other users that approximates the annual income of the user who uses the terminal device 10. In this case, the user who uses the terminal device 10 can grasp how much the user with the same annual income as his / her own has invested in the investment. For example, the providing unit 134 may provide the terminal device 10 with information indicating the relationship between the investment experience and the recovery rate. For example, the providing unit 134 may provide the terminal device 10 with information indicating correspondence between each investment experience year (for example, 1, 5, 10 years, etc.) and an average profit / loss rate in the year. For example, the providing unit 134 provides the terminal device 10 with information indicating that the profit / loss rate is 5% when the investment experience is 1 year, information indicating that the profit / loss rate is 20% when the investment experience is 5 years, and the like. May be. In this case, the user who uses the terminal device 10 can grasp how much profit or loss the user has in the same degree of experience as his own investment experience.

[3. (Providing process flow)
Here, the procedure of the providing process performed by the providing apparatus 100 according to the embodiment will be described with reference to FIG. FIG. 6 is a flowchart illustrating an example of the providing process according to the embodiment.

  As illustrated in FIG. 6, the providing apparatus 100 determines whether user information of one user has been acquired (Step S <b> 101). Providing apparatus 100 repeats the process of step S101 when the user information of one user has not been acquired (step S101: NO).

  Providing apparatus 100, when acquiring user information of one user (step S101: YES), extracts similar users similar to one user from among users who use a predetermined financial product transaction service (step S102). . In the example of FIG. 1, when obtaining the user information of the user U11, the providing apparatus 100 extracts a user similar to the user U11 (user U1, user U3, etc.) from the user information storage unit 121 as a similar user.

  After that, the providing apparatus 100 generates statistical information based on the operation information of each similar user (step S103). In the example of FIG. 1, the providing apparatus 100 extracts operation information related to similar users (user U1, user U3, etc.) of the user U11 from the operation information storage unit 123, and attribute information of similar users or similar users (user U1, user U1). Statistical information IS11 is generated based on the operational information regarding U3 and the like.

  Thereafter, the providing device 100 provides the generated statistical information to one user (step S104). In the example of FIG. 1, the providing device 100 provides the statistical information IS11 to the terminal device 10 used by the user U11.

[4. Other display examples)
In the example of FIG. 1, the providing apparatus 100 has shown a case where statistical information related to a user similar to the target user is provided. However, the providing apparatus 100 may provide information related to various similar users. For example, the providing apparatus 100 may provide operation information for each user similar to the target user. This point will be described with reference to FIGS. FIG. 7 is a diagram illustrating an example of operation information display according to the embodiment. Specifically, FIG. 7 illustrates an example of information provided and displayed on the terminal device 10 used by the target user when the user using the predetermined financial product transaction service is the target user. FIG. 8 is a diagram illustrating an example of operation information display according to the embodiment. Specifically, FIG. 8 illustrates an example of information provided and displayed on the terminal device 10 used by the target user when the user who does not use the predetermined financial product transaction service is the target user.

[4-1. Example of providing information to users in use)
First, a case where a user who uses a predetermined financial product transaction service is a target user will be described with reference to FIG. The terminal device 10-21 in FIG. 7 is information provided from the providing device 100 to the terminal device 10 used by a user who uses a predetermined financial product transaction service (hereinafter also referred to as “user X in use”). An example of displaying is shown.

  In the example illustrated in FIG. 7, the in-use user X has a history of purchasing the financial product A, and another user who has purchased the financial product A is a similar user to the in-use user X. For example, the providing apparatus 100 uses the operation information of the similar user as the similar user of the user X who uses the user whose purchase information of the financial product A is included in the behavior information stored in the behavior information storage unit 122. To the terminal device 10-21. And as shown in the list page W21, the terminal device 10-21 arranges and displays in order from the higher profit among the similar users in the area AR21.

  In the example illustrated in FIG. 7, among the similar users of the user X being used, the operation information AM21 of the user A who generates the largest profit of 150,000 yen is displayed at the top. In the example illustrated in FIG. 7, among the similar users of the user X being used, the operation information AM22 of the user B who generates the profit of 120,000 yen, which is the second largest after the user A, is used as the operation of the user A. It is displayed continuously below the information AM21. Further, in the example shown in FIG. 7, among the similar users of the user X being used, the operation information AM23 of the user C and the operation information of the user D who generate the profit of 100,000 yen that is the second largest after the user B The AM 24 is continuously displayed under the operation information AM 22 of the user B. Further, in the example shown in FIG. 7, among the similar users of the user X being used, the operation information AM25 of the user E who generates a profit of 90,000 yen, which is the second largest after the user C and the user D, It is displayed continuously under Mr. D's operation information AM24. As described above, the terminal device 10-21 can further promote the operation of the user X in use by preferentially displaying the information of the users who are making a profit among the similar users of the user X in use. .

[4-2. Example of providing information to non-use users)
Next, a case where a user who does not use a predetermined financial product transaction service is a target user will be described with reference to FIG. The terminal device 10-31 in FIG. 8 is information provided from the providing device 100 to the terminal device 10 used by a user who does not use a predetermined financial product transaction service (hereinafter also referred to as “non-use user Y”). An example of displaying is shown.

  In the example illustrated in FIG. 8, the non-use user Y has a history of purchasing the financial product A, and shows another user who has purchased the financial product A as a similar user of the non-use user Y. For example, the providing apparatus 100 uses a user whose purchase information of the financial product A is included in the action information stored in the action information storage unit 122 as a similar user of the non-use user Y, and the non-use user Y uses the operation information of the similar user. To the terminal device 10-31. Then, as illustrated in the list page W31, the terminal device 10-31 displays the regions AR31 side by side in order from the highest profit among the similar users.

  In the example shown in FIG. 8, among the similar users of the non-use user Y, the operation information AM21 of the user A who generates the largest profit of 150,000 yen is displayed at the top. In the example illustrated in FIG. 8, among the similar users of the non-use user Y, the operation information AM22 of the user B who generates the profit of 120,000 yen, which is the second largest after the user A, is used as the operation of the user A. It is displayed continuously below the information AM21. In the example illustrated in FIG. 8, among the similar users of the non-use user Y, the operation information AM23 of the user C who generates the profit of 100,000 yen that is the second largest after the user B is used as the operation of the user B. It is displayed continuously below the information AM22.

  Here, in the example of FIG. 8, since the information is provided to the non-use user Y, the providing device 100 uses a part of the operation information provided to the user who uses the predetermined financial product transaction service. The non-display state is provided to the non-use user Y. In the example of FIG. 8, unlike the operation information provided to the user X in use in the example of FIG. 7, the operation information AM24 of the user D and the operation information AM25 of the user E are hidden.

  Further, the providing apparatus 100 provides the non-use user Y with a notification indicating that the non-use user Y cancels a part of the non-display state by using a predetermined financial product transaction service. In the example of FIG. 8, a notification EN31 indicating that the non-use user Y cancels a part of the non-display state by using the predetermined financial product transaction service is displayed in the area AR32 located below the area AR31. To do. Specifically, a notification EN31 that is text information “Detailed comparison can be viewed after opening an account” is displayed in the area AR32. In addition, a button BT31 displayed as “Open Account” is arranged below the area AR32 where the notification EN31 is displayed. When the non-use user Y presses the button BT31, a page for opening an account used for using a predetermined financial product transaction service is displayed, or a guide mail is transmitted. Accordingly, the providing apparatus 100 can open an account for the non-use user Y and prompt the use of a predetermined financial product transaction service.

[5. effect〕
As described above, the providing apparatus 100 according to the embodiment includes the acquisition unit 131 and the providing unit 134. The acquisition unit 131 acquires information related to one user. The providing unit 134 provides information related to the operational status in financial product transactions of similar users similar to one user among users who use a predetermined financial product transaction service to one user.

  Thereby, the provision apparatus 100 which concerns on embodiment provides the information regarding the operation condition in the financial product transaction of the similar user similar to one user among the users using predetermined financial product transaction service to one user. Thus, information related to the financial product transaction can be appropriately provided according to the user.

  Further, in the providing apparatus 100 according to the embodiment, the acquisition unit 131 acquires attribute information of one user. The providing unit 134 also provides information regarding the operational status of similar users whose attributes are similar to those of one user among users who use a predetermined financial product transaction service.

  Accordingly, the providing apparatus 100 according to the embodiment provides information on the operation status of a similar user whose attribute is similar to that of one user among users who use a predetermined financial product transaction service, and thus according to the user. Information related to financial product transactions can be provided appropriately.

  Moreover, in the providing apparatus 100 according to the embodiment, the acquisition unit 131 acquires behavior information of one user. Further, the providing unit 134 provides information regarding the operational status of similar users whose behavior is similar to that of one user among users who use a predetermined financial product transaction service.

  Accordingly, the providing apparatus 100 according to the embodiment provides information on the operation status of a similar user whose behavior is similar to that of one user among users who use a predetermined financial product transaction service, and thus according to the user. Information related to financial product transactions can be provided appropriately.

  Moreover, in the providing apparatus 100 according to the embodiment, the acquisition unit 131 acquires information on an experience period related to a financial product transaction of one user. Further, the providing unit 134 provides information regarding the operational status of a similar user whose experience period is similar to one user among users who use a predetermined financial product transaction service.

  Accordingly, the providing apparatus 100 according to the embodiment responds to the user by providing information on the operational status of a similar user whose experience period is similar to one of the users who use the predetermined financial product transaction service. Information on financial product transactions can be provided appropriately.

  Moreover, in the providing apparatus 100 according to the embodiment, the providing unit 134 provides statistical information regarding the operation status of each of a plurality of users who are similar users.

  Thereby, the provision apparatus 100 which concerns on embodiment can provide the information regarding a financial product transaction appropriately according to a user by providing the statistical information regarding the operation condition of each of a plurality of users who are similar users. it can.

  Moreover, in the providing apparatus 100 according to the embodiment, the providing unit 134 provides statistical information including information related to the proportion of similar users among users who use a predetermined financial product transaction service.

  Thereby, the providing apparatus 100 according to the embodiment provides statistical information including information related to the proportion of similar users among users who use a predetermined financial product transaction service, thereby providing information regarding financial product transactions according to the user. Can be provided appropriately.

  In the providing apparatus 100 according to the embodiment, the providing unit 134 includes a statistic including at least one of information on average profit / loss for similar users as a whole, information on maximum profit for similar users, or information on maximum loss for similar users. Provide relevant information.

  Thereby, the providing apparatus 100 according to the embodiment provides statistical information including at least one of information on average profit / loss for similar users as a whole, information on maximum profit for similar users, or information on maximum loss for similar users. By doing, the information regarding a financial product transaction can be provided appropriately according to a user.

  Moreover, in the providing apparatus 100 according to the embodiment, the acquisition unit 131 acquires information on one user who is not using a predetermined financial product transaction service. The providing unit 134 hides a part of the information related to the operation status provided to the user who uses the predetermined financial product transaction service and provides it to one user.

  As a result, the providing apparatus 100 according to the embodiment provides a single user with a part of the information related to the operation status provided to the user using the predetermined financial product transaction service being hidden. By doing so, the information to be provided can be changed according to whether or not a predetermined financial product transaction service is used. Therefore, the providing apparatus 100 can appropriately provide information related to the financial product transaction according to the user.

  Further, in the providing apparatus 100 according to the embodiment, the providing unit 134 sends a notification indicating that one user cancels a part of the non-display state by using a predetermined financial product transaction service to the one user. To provide.

  Thereby, the providing apparatus 100 according to the embodiment provides one user with a notification indicating that a part of the non-display state is canceled when the one user uses a predetermined financial product transaction service. Accordingly, it is possible to prompt the user who is not using the predetermined financial product transaction service to use the predetermined financial product transaction service. Therefore, the providing apparatus 100 can appropriately provide information related to the financial product transaction according to the user.

[6. Hardware configuration)
The providing apparatus 100 according to the above-described embodiment is realized by a computer 1000 configured as shown in FIG. 9, for example. FIG. 9 is a hardware configuration diagram illustrating an example of a computer that realizes the function of the providing apparatus. The computer 1000 includes a CPU 1100, RAM 1200, ROM 1300, HDD (Hard Disk Drive) 1400, communication interface (I / F) 1500, input / output interface (I / F) 1600, and media interface (I / F) 1700.

  The CPU 1100 operates based on a program stored in the ROM 1300 or the HDD 1400 and controls each unit. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, a program depending on the hardware of the computer 1000, and the like.

  The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. The communication interface 1500 receives data from other devices via the network N and sends the data to the CPU 1100, and provides the data generated by the CPU 1100 to other devices via the network N.

  The CPU 1100 controls an output device such as a display and a printer and an input device such as a keyboard and a mouse via the input / output interface 1600. The CPU 1100 acquires data from the input device via the input / output interface 1600. In addition, the CPU 1100 outputs the generated data to the output device via the input / output interface 1600.

  The media interface 1700 reads a program or data stored in the recording medium 1800 and provides it to the CPU 1100 via the RAM 1200. The CPU 1100 loads such a program from the recording medium 1800 onto the RAM 1200 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or 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 1000 functions as the providing apparatus 100 according to the embodiment, the CPU 1100 of the computer 1000 implements the function of the control unit 130 by executing a program loaded on the RAM 1200. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them. However, as another example, these programs may be acquired from other devices via the network N.

  As mentioned above, although embodiment and modification of this application were described in detail based on drawing, these are illustrations, and various modifications based on the knowledge of those skilled in the art including the mode described in the line of disclosure of the invention, It is possible to implement the present invention in other forms with improvements.

[7. Others]
In addition, among the processes described in the above-described embodiments and modifications, all or a part of the processes described as being automatically performed can be manually performed, or are described as being performed manually. All or part of the processing can be automatically performed by a known method. In addition, the processing procedures, specific names, and information including various data and parameters shown in the document and drawings can be arbitrarily generated unless otherwise specified. For example, the various types of information illustrated in each drawing is not limited to the illustrated information.

  Further, each component of each illustrated apparatus is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution / integration of each device is not limited to that shown in the figure, and all or a part thereof may be functionally or physically distributed or arbitrarily distributed in arbitrary units according to various loads or usage conditions. Can be integrated and configured.

  In addition, the above-described embodiments and modifications can be combined as appropriate within a range that does not contradict processing contents.

  In addition, the “section (module, unit)” described above can be read as “means” or “circuit”. For example, the acquisition unit can be read as acquisition means or an acquisition circuit.

DESCRIPTION OF SYMBOLS 1 Provision system 100 Provision apparatus 121 User information storage part 122 Behavior information storage part 123 Operation information storage part 130 Control part 131 Acquisition part 132 Extraction part 133 Generation part 134 Provision part 10 Terminal apparatus N network

Claims (9)

An acquisition unit that acquires information about one user who is not using a predetermined financial product transaction service ;
Of the user using the predetermined financial instrument trading services, a statistical information including information about the percentage of similar user similar to the one user, the status of the investment management of each similar user in a predetermined time period Providing information to the one user as statistical information related to operational status in financial product transactions,
A providing device comprising: The acquisition unit
Obtaining the attribute information of the one user,
The providing unit includes:
The providing apparatus according to claim 1, wherein information relating to the operation status of the similar user whose attribute is similar to that of the one user among users who use the predetermined financial product transaction service is provided. The acquisition unit
Obtaining the behavior information of the one user,
The providing unit includes:
The information regarding the said operational condition of the said similar user whose action is similar to the said one user among the users using the said predetermined financial product transaction service is provided. The Claim 1 or Claim 2 characterized by the above-mentioned. Providing device. The acquisition unit
Obtaining information about an experience period related to the financial product transaction of the one user;
The providing unit includes:
The information regarding the said operational condition of the said similar user whose said experience period is similar to the said one user among the users using the said predetermined | prescribed financial product transaction service, The one of Claims 1-3 characterized by the above-mentioned. The providing apparatus according to item 1. The providing unit includes:
The statistical information including at least one of information on average profit / loss in the similar users as a whole, information on maximum profits in the similar users, or information on maximum losses in the similar users is provided. The providing device according to any one of 1 to 4 . The acquisition unit,
To get information about the previous Symbol one user,
The providing unit includes:
The information regarding the operational status provided to a user who uses the predetermined financial product transaction service is partly hidden and provided to the one user. The providing device according to any one of to 5 . The providing unit includes:
By the one user uses the predetermined financial instrument trading services, the notification indicating to release the non-display state of the part, to claim 6, characterized in that it provides to the one user The providing device according to the description. A providing method executed by a computer,
An acquisition step of acquiring information about one user who is not using a predetermined financial product transaction service ;
Of the users utilizing the predetermined financial instrument trading services, a statistical information including information about the percentage of similar user similar to the one user, the status of the investment management of each similar user in a predetermined time period Providing information to the one user as statistical information regarding the operational status in the financial product transaction,
The providing method characterized by including. An acquisition procedure for acquiring information related to one user who is not using a predetermined financial product transaction service ;
Of the user using the predetermined financial instrument trading services, a statistical information including information about the percentage of similar user similar to the one user, the status of the investment management of each similar user in a predetermined time period Providing information to the one user as statistical information regarding the operational status in the financial product transaction,
A program for causing a computer to execute.

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