JP6674988B2 - Simulation apparatus, simulation system, program, and simulation method - Google Patents

Description

  The present invention relates to life plan simulation.

  Conventionally, a life plan simulation has been known. Life plan simulation allows users to input data based on their own lifestyles, calculate annual budgets such as future necessary expenses and future expected income, or make insurance and saving plans that are optimal for individuals, This is a system for receiving proposals such as loan payment methods.

  Patent Literature 1 provides a life event column for expressing a life event for each age by a photograph or a picture at a position corresponding to a column for displaying the age of newlyweds or a householder in chronological order, and a life event for each age. A system for easily grasping the life plan within the display period and improving the feasibility of the life plan is disclosed.

  Patent Literature 2 simulates the mortgage repayment status per unit year and the life expectancy financial assets per unit year that affect the repayment status of the mortgage in association with each other to simulate the mortgage repayment method. It discloses a lifetime financial asset estimation system that makes it easy to know how changing it will change the financial assets and living expenses of old age.

  Patent Literature 3 discloses an apparatus that sequentially inputs basic information and event information and performs a cash flow simulation based on the information.

JP 2011-22948 A JP 2007-41807 A JP 2001-147957 A

  However, in the conventional technology for performing a life plan simulation, the life plan simulation is performed only by selecting a check box or inputting predetermined information in a text box. There is a problem that the input of the information necessary for the operation becomes monotonous.

  In addition, in order to carry out the simulation of the life plan, the user needs to input a wide variety of information, but it is not always possible to prepare the answers to all the question items in advance. For this reason, the user may imagine his or her own life plan while inputting information, and may input further information or modify input information. However, as the user examines and inputs the answers in the screen configuration for each event stage, the user looks at the entire period of his or her life and anticipates the life plan or decides the position of individual events. Or could not.

  In a life plan simulation, a numerical value of certain user information may be increased / decreased or deleted, or a simulation may be performed under various conditions according to an assumed life scenario. However, in the techniques of Patent Documents 1-3, it was difficult to compare simulation results before and after changing user information.

  According to the present invention, it is possible to more easily compare the simulation results before and after the change of the user information.

The simulation apparatus according to one embodiment includes a receiving unit that receives an input by a user, and a time of the asset amount of the user obtained by using the user information when the receiving unit receives an input of the user information of the user. Acquiring means for acquiring a simulation result of change, and updating means for causing the acquiring means to acquire the simulation result updated using the input user information when the receiving means receives the input of the user information. Displaying a simulation screen including a graph representing the simulation result on a plane defined by a time axis and an asset axis on a display unit, and when the updated simulation result is obtained by the updating unit, the previous update is performed. The first simulation result obtained at the time and the one obtained at the time of this update (2) When the display control means for controlling the display means so as to display the simulation result on the graph, and when the receiving means receives selection of one of the first simulation result and the second simulation result, the first simulation Erasing means for erasing, from the graph, a simulation result not selected from the result and the second simulation result.
According to this simulation device, according to the present invention, it is possible to more easily compare the simulation results before and after the change of the user information.

The display control means may display the first simulation result and the second simulation result in different colors on the graph.
According to this simulation device, the user can easily visually recognize the difference between the simulation result in which the user information input immediately before is reflected and the simulation result before the reflection.

The display control unit displays an image object corresponding to the user information on the graph, and when the receiving unit receives an instruction to change the position of the image object, the updating unit sets the position after the change. May be acquired by the acquisition unit.
According to this simulation device, the user information regarding the event object can be input by changing the position of the image object on the graph, so that the input order of the user information is arbitrary.

The display control means displays a window for inputting the user information over the graph, and when the receiving means receives an instruction to change the user information in the window, the updating means The simulation result updated according to the changed user information may be obtained by the obtaining unit.
According to this simulation device, the input of the user information and the browsing of the simulation result are completed on a single screen called “simulation screen”.

In the present aspect, the simulation screen includes a list of life events corresponding to the simulation result, and the display control unit corresponds to the first simulation result and the second simulation result among the life events included in the list. The life event to be performed is displayed with a different appearance from other life events.
According to this simulation device, it is easy to visually grasp the life event generated by the user information input immediately before.

The display control unit displays an image object for each of the life events corresponding to the first simulation result and the second simulation result in the list, and the reception unit displays the user information of the user information via the image object. An input of a change may be received.
According to this simulation device, the user can reflect the update of the user information by performing an operation on the image object.

In addition, a simulation system according to another embodiment includes a receiving unit that receives an input by a user, and when the receiving unit receives an input of user information of the user, an asset of the user obtained by using the user information. Acquiring means for acquiring a simulation result of a time change of a forehead; and when the accepting means accepts an input of the user information, causing the acquiring means to acquire the simulation result updated using the input user information. Updating means for displaying, on a display means, a simulation screen including a graph representing the simulation result on a plane defined by a time axis and an asset axis, wherein the updated simulation result is obtained by the updating means; , The first simulation result obtained at the time of the previous update and the current update Display control means for controlling the display means so as to display the obtained second simulation result on the graph, and when the receiving means receives a selection of the first simulation result or the second simulation result, Erasing means for erasing, from the graph, a simulation result that is not selected from the first simulation result and the second simulation result.
With such a configuration, a user who simulates the amount of assets can easily input user information, correct user information, and determine whether to correct user information.

  Further, a program according to still another embodiment includes a step of: receiving, by a computer, an input by a user; and, when receiving an input of user information of the user, an asset amount of the user obtained by using the user information. Obtaining a simulation result of a time change, and, when input of the user information is received, obtaining the simulation result updated using the input user information; and Displaying a simulation screen including a graph represented on a plane defined by an axis on a display unit, and when the updated simulation result is obtained, the first simulation result obtained at the last update and the current update The second simulation result obtained at the time Controlling the display means so as to display the rough result; and when receiving any of the first simulation result and the second simulation result, selecting the first simulation result and the second simulation result. Deleting the missing simulation result from the graph.

  The simulation method according to still another embodiment includes a step of receiving an input by a user, and a step of receiving an input of user information of the user, the time change of the asset amount of the user obtained using the user information. Acquiring the simulation result, and, when receiving the input of the user information, acquiring the simulation result updated using the input user information; and Displaying on a display means a simulation screen including a graph represented on a plane to be defined; and, when the updated simulation result is obtained, the first simulation result obtained at the last update and the simulation result obtained at the current update The obtained second simulation result is represented by the graph The step of controlling the display means to display, and when the selection of any of the first simulation result and the second simulation result is received, no one of the first simulation result and the second simulation result is selected. Erasing the simulation result from the graph.

  According to the present invention, the present invention can more easily compare the simulation results before and after the change of the user information.

FIG. 2 is a functional block diagram of the simulation system according to the first embodiment. FIG. 2 is a hardware configuration diagram of a simulation server according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of a simulation screen according to the first embodiment. 4 is a screen display example of a graph display and an input screen according to the first embodiment. 4 is a screen display example of a graph display and an input screen according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of an input screen according to the first embodiment. 7 is a screen display example of a simulation screen according to the first embodiment. 9 is a flowchart of a simulation process according to the first embodiment. FIG. 2 is a hardware configuration diagram of a user terminal according to the first embodiment. FIG. 7 is a functional block diagram of a simulation system according to a second embodiment. 9 is a display example of a simulation screen according to the second embodiment. 9 is a display example of a simulation screen according to the second embodiment. 9 is a flowchart of a simulation process according to the second embodiment. 9 is a display example of a simulation screen according to the second embodiment. 9 is a display example of a simulation screen according to the second embodiment. 9 is a display example of a simulation screen according to the second embodiment.

1. First Embodiment Hereinafter, a simulation system according to the present invention will be described with reference to the drawings. The embodiment described below is an example of the present invention, and the present invention is not limited to the following embodiment, and various configurations can be adopted.

  For example, in this embodiment, the configuration, operation, and the like of the simulation system will be described. Further, the program may be stored in a recording medium. By using this recording medium, for example, a program can be installed in a computer. Here, the recording medium storing the program may be a non-transitory recording medium such as a CD-ROM.

  In the present embodiment, a simulation system for simulating a user's life plan and proposing a savings plan suitable for the user's lifestyle will be exemplified. There is no particular limitation on the application field in which the system is used, and for example, it may be used as a system for analyzing a user's lifestyle such as financial products and insurance products and proposing a specific service, It may be used as a system for making a trial calculation of a life plan.

  FIG. 1 is a functional block diagram illustrating an outline of a simulation system according to an embodiment. The simulation system 1 includes a simulation server 2 (an example of a simulation device), a database DB that stores information for performing a simulation, and one or a plurality of user terminals 3 that are operated by a user and used for a simulation request or the like. 3A, 3B). The simulation server 2 and the user terminal 3 can communicate with each other via a network NW.

  FIG. 2 is a diagram illustrating a hardware configuration of the simulation server 2. The simulation server 2 includes an arithmetic device (CPU 201), a main storage device (RAM 202), an auxiliary storage device (recording device 203) such as an HDD or an SSD, and an interface for communicating with external devices via a network NW. , An input device 205, and an output device 206. The recording device 203 also records an operating system (hereinafter, referred to as “OS”) 207, a simulation program 208 that cooperates with the OS 207 to exhibit its functions, and the like.

  FIG. 14 is a diagram illustrating a hardware configuration of the user terminal 3. The user terminal 3 is a general-purpose computer device such as a personal computer, a smartphone, or a tablet terminal. The user terminal 3 communicates with an arithmetic device (CPU 301), a main storage device (RAM 302), an auxiliary storage device (recording device 303) such as an HDD, SSD, or flash memory, and an external device via the network NW. A communication device 304 serving as an interface, an input device 305, and an output device 306 are provided. The input device 305 is a device for inputting an instruction or information to the user terminal 3, and includes, for example, at least one of a touch screen, a keyboard, and a mouse. The output device 306 includes a display device such as a liquid crystal display. The recording device 303 stores an OS 307, a simulation program 308 that cooperates with the OS 307 to exhibit its function, and the like. The simulation program 308 may be a so-called web application that runs on a web browser, or may be a so-called native application that runs on an OS (not a web browser).

  Returning to the description of FIG. The simulation server 2 includes a reception unit 4, a display unit 5, a placement unit 6, a calculation unit 7, and a proposal unit 8. Here, in the present embodiment, each processing unit for realizing the functional configuration included in the simulation server 2 does not necessarily need to be included in one server device, and may be configured to be provided in a plurality of computers. Good. For example, it includes a receiving unit 4, a display unit 5, an arrangement unit 6, and a calculation unit 7, a server device for receiving an input of user information from the user terminal 3 or the like, and executing a simulation, and a suggestion unit 8; The simulation server 2 may be configured by a server device that proposes a predetermined savings plan or the like based on the above.

  The database DB stores information used in the simulation system 1. In the present embodiment, the database DB has user information input via the user terminal 3 for performing a simulation, plan information for making a proposal based on a simulation result, and the like.

  The receiving unit 4 receives an input of user information for performing a simulation. In the present embodiment, the accepting unit 4 accepts an input of user information via the user terminal 3.

  The display unit 5 performs display processing of the simulation screen and enables transmission to the user terminal. In the present embodiment, the display unit 5 performs display processing of an input screen for user information in addition to the simulation screen. The user information includes information input via a check box or a text box included in the input screen and information input by arranging the event object included in the simulation screen on the graph display. The user information includes, for example, parameters used for simulation of the asset balance. The user information may include essential items and arbitrary items. In the present embodiment, the simulation of the life plan is performed by inputting all the essential items.

  FIG. 3 is a screen display example of the input screen W1 displayed on the user terminal 3. A user who wants to simulate a life plan first accesses the input screen W1 and inputs user information. The user inputs a part of the user information (“current age” and “current financial asset amount” in the illustrated example) via the input unit W11. Note that an input area (input unit W11) may be added to the simulation screen W2 (see FIG. 4) to input “current age” and “current financial asset amount”. Here, in the illustrated example, the “current age” of the user is input. However, for example, “the age at which simulation is desired to start” may be input.

  After the user inputs the user information to the input unit W11, the simulation screen is displayed by pressing the button W12.

  FIG. 4 is a screen display example of the simulation screen. The simulation screen W2 includes a graph display W21, an input screen display unit W22, an event box W23, an event list display W24, and a button W25 for executing a simulation.

  In the graph display W21, a time axis and an asset axis are defined. By inputting the user information, an income graph W21A and an expenditure graph W21B (see FIG. 5A) described later are displayed in the graph display W21 so as to extend in opposite directions with the asset axis as a base end. W21C is displayed. When the user inputs predetermined items of the user information (for example, annual income, annual amount, and maintenance cost of a dwelling house), the income graph W21A and the expenditure graph W21B are displayed and updated. When the user information is input, other contents included in the graph display may be changed or updated in addition to the values of the graph, and the display processing may be performed. For example, the width of the asset axis may be changed according to the input user information on the income.

  In the illustrated example, the time axis of the graph display W21 uses the age of the user as a value, and the starting point is the “current age” input by the user on the input screen W1. Instead of or in addition to the age, for example, the time axis may be set using the year or the Japanese calendar as a value. When the input screen display section W22 is selected, an input screen for inputting predetermined user information is displayed. The receiving unit 4 receives user information input via the input screen.

  A plurality of event objects OB (OB1 to OB6 in the illustrated example) are arranged in the event box W23, and the user arranges the event objects OB on the graph display W21 via the arrangement means 6. When the user inputs predetermined user information from the input screen, a new event object OB may be added. For example, if the input of the user information “I want it in the future” is received in response to the question “I have a child” displayed on the input screen, an event object of “Birth” may be newly added. Note that the addition of the event object may be performed in an area other than the graph display W21 such as the event box W23. Further, an event object may be added to the graph display W21.

  The event list display W24 displays event occurrence timings and event contents based on the age of the user. In the present embodiment, based on the current age of the user, the year, the age, and the life plan event occurring at that time are displayed side by side at intervals of 5 years until 50 years later. When the receiving unit 4 receives predetermined user information reflected on the event list display W24, the display unit 5 performs display processing of the event list display W24, and the updated event list display W24 is displayed on the user terminal 3.

  In the illustrated example, the content of the event is configured to be able to be displayed with the user as an axis, but in the case where the presence or absence of a spouse or the presence of a child is input as user information, in addition to the display with the user as an axis, Event contents centered on a person other than the user can be displayed side by side with event contents centered on the user. For example, regarding the life plan event of a spouse, "Retirement (of spouse)", the event content is displayed at a position based on the age of the user with the spouse as an axis.

  The arranging means 6 accepts an arranging process of the event object OB on the graph display W21 on the simulation screen W2 based on an operation input from the user terminal 3. The accepting unit 4 accepts an input of a part of the user information based on the type of the event object OB arranged on the graph display W21 by the arrangement processing and the position on the time axis. For example, by arranging the event object OB4 (the event object OB relating to “retirement allowance”) on the graph display W21 (for example, by dragging and dropping), the retirement allowance receiving time (in this example, “age” appropriately set on the time axis) For (2), the accepting unit 4 can accept input of user information.

  When arranging the event object OB on the graph display by the arranging unit 6, the arranging unit 6 may change the display content of the graph display. For example, the arranging unit 6 may enlarge a part of the graph display, display user information input according to the position of the arranged event object, or change the axis value.

  In the present embodiment, the receiving unit 4 receives the input of the user information according to the time axis where the event object OB is arranged, but inputs the user information according to the asset axis instead of or in addition to the time axis. Such a configuration may be adopted. For example, the accepting unit 4 accepts an input of user information relating to a retirement allowance receiving time in accordance with the position of the event object OB4 with respect to the time axis, and accepts, as user information, an expected retirement amount in accordance with the position with respect to the asset axis. You may. At this time, if it is difficult to input the amount with the scale of the asset axis set in the graph display, the display means 5 enlarges a part of the graph display or changes the value of the axis (changes the scale). Or you may.

  Further, based on the user information input by the user via the check box or the text box, the arranging unit 6 gives or changes the position of the event object OB with respect to the time axis and / or the position with respect to the asset axis, and changes the graph display W21. You may comprise so that the event object OB may be arrange | positioned. Even with such a configuration, the user can perform further input and adjustment of user information while checking the outlook of his / her own life plan.

  The event object OB may be identifiably displayed according to its attribute as shown in the present embodiment. In the present embodiment, an object related to an event caused by a specific timing and an object related to an event not caused by a specific timing are identifiably displayed based on a color scheme and a shape of the object.

  An event that is not caused by a specific timing is an event that occurs at an arbitrary timing of the user, such as retirement or marriage, and is represented by a vertically long object drawn by a dotted frame as shown in the figure. The event caused by a specific timing is, for example, an event that occurs due to an age or a specific event, such as start of pension receipt (due to age) and receipt of retirement allowance (due to retirement time). Is represented by a horizontally long object drawn with a solid frame.

  5A and 5B are screen display examples of a graph display and an input screen when user information is input. In the present embodiment, the event object OB related to income and the event object OB related to expenditure are displayed so as to be identifiable. The event related to the income is, for example, receipt of a retirement allowance, and is drawn with the appearance (thick solid line frame) corresponding to the appearance of the income graph W21A as illustrated in the figure. The event relating to the expenditure is, for example, the cost of living in retirement, and is drawn with an appearance (thin solid line frame) corresponding to the appearance of the expenditure graph W21B as shown in the figure.

  FIG. 5A is a screen display example when the user places the event object OB on the graph display W21. The user selects an event object OB to be arranged via an input unit (a mouse, a touch panel, or the like) of the user terminal 3 and moves it to the graph display W21 to arrange it at a desired position. Further, based on the input user information, the income graph W21A, the expenditure graph W21B, and the asset graph W21C are displayed and updated.

  FIG. 5B is a screen display example of an input screen for the user to input user information together with the event object arrangement. For some or all of the event objects, the simulation server 2 displays an input screen for user information along with the arrangement thereof, thereby enabling input of user information related to the event object. In the present embodiment, the user arranges the event object OB, selects the event object (for example, clicks with a mouse operation, taps on a touch panel, or the like), and then inputs additional user information regarding the event object OB. Is displayed.

  The display timing of the input screen for the user information is not limited to after the arrangement of the event object. The display timing of the user information input screen may be before the event object is arranged. In addition, due to the operation of the user selecting an event object, the simulation server 2 may display an input screen for user information related to the event object and accept the input.

  The link LN is a link to a web page for browsing supplementary information on the user information input on the input screen. In addition to those shown in the link LN, “salary and tax”, “basic of income tax”, “average annual income by age”, “retirement and retirement allowance”, “retirement allowance and tax”, “retirement benefit amount” Items such as “average” may be included.

  FIG. 6 is a screen display example of an input screen for inputting other user information. When the user selects the input screen display section W22, an input screen for inputting predetermined user information is displayed. When the user selects the “family” input screen display unit W22 in the illustrated example, an input screen for inputting user information relating to the family is displayed as shown in FIG.

  The calculation means 7 performs a calculation process based on the input user information. In the present embodiment, the calculating unit 7 performs a process of calculating the display contents related to the income graph, the expenditure graph, and the asset graph in the graph display using the user information input on the input screen or the arrangement of the event object OB. . The display unit 5 performs a display process for updating the graph display on the simulation screen in real time based on the display contents calculated.

  7A to 11 are screen display examples of the input screen. FIG. 7A is a screen display example of an input screen W3A of user information regarding a spouse displayed when the input screen display unit W22 of “family” is selected. When the user selects "I" in the input section W31 on the input screen W3A, an input screen W3B for user information regarding the presence or absence of a child is displayed as shown in FIG. 7B. The user can input further user information via the input unit W32 of the input screen W3B. In FIG. 7B, the link LN may include items such as “maternity leave and childcare leave” and “cost of childcare and education” in addition to the illustrated items.

  Further, the simulation server 2 can display a web page for browsing supplementary information on the user information input on the input screen from the link LN. For example, when the user selects the link LN (“cost of marriage and new life” in the illustrated example) on the input screen W3A, information about the marriage, the cost of living after marriage, and the like (supplementary information) can be displayed. it can.

  FIG. 7C is a screen display example of an input screen W4 of user information related to child education displayed when the input screen display unit W22 for “education” is selected. Through the input unit W41, the user inputs user information relating to child education.

  8A to 8D are screen display examples of an input screen W5 of user information relating to labor income displayed when the input screen display unit W22 of “labor income” is selected. As shown in FIG. 8A, the user can select a sole proprietor / company employee / public servant via the input unit W51.

  When a sole proprietor is selected, an input unit W52 is displayed as shown in FIG. 8B, and when an office worker is selected, an input unit W53 is displayed as shown in FIG. 8C, and when a public employee is selected. , An input unit W54 is displayed as shown in FIG. 8D. The user inputs user information on labor income through any of the input units W52 to W54. In the case of a user who has selected “Yes” via the input screen W3A, an area for inputting user information relating to the spouse's labor income is further displayed, and the spouse selects a sole proprietor / company employee / public employee. Then, the content displayed in W52 to W54 further changes. In the input screens of FIG. 8A to FIG. 8D, in addition to those shown in the link LN, “salary and tax”, “basic of income tax”, “average annual income by age”, “retirement and retirement allowance”, “retirement” Items such as "gold and taxes" and "average retirement benefits" may be included.

  FIG. 9A is a screen display example of an input screen W6 for user information related to asset management displayed when the input screen display unit W22 of “Asset management” is selected. The user inputs user information relating to asset management via the input unit W61. In the input screen of FIG. 9A, in addition to the illustrated items, items such as “medium- to long-term asset management”, “index management and active management”, “remaining asset”, “let's know how to create a portfolio”, etc. May be included.

  FIG. 9B is a screen display example of an input screen W7 for user information relating to life displayed when the input screen display unit W22 for “life” is selected. The user inputs user information regarding life via the input unit W71.

  FIG. 9C is an example of a screen display of an input screen W8 of the user information regarding the income after retirement (income other than pension) displayed when the event object OB3 of “income after retirement” is selected. The user inputs user information relating to income after retirement via the input unit W81.

  FIG. 9D is an example of a screen display of an input screen W9 of user information relating to an annuity displayed when an event object OB2 of “annual” is selected. The user inputs user information regarding the pension via the input unit W91. In the input screen of FIG. 9D, the link LN includes items such as “Basic pension”, “survivor's pension and disability pension-pension in case of emergency”, “life and retirement after retirement” in addition to the illustrations. You may.

  FIGS. 10A to 10D are screen display examples of user information input screens W10A to W10D related to the dwelling house displayed when the event object OB5 of “dwelling house” is selected. As shown in FIG. 10A, the user can select, through the input unit W101, a detached house, an apartment-owned house, a rental house (to be purchased in the future), a rental house (not to be purchased), and no living expenses. In the input screen of FIG. 10A, the link LN includes items such as “My home and tax”, “Average image of home buyers”, “Mortgage loan”, “Review of mortgage loan”, etc., in addition to those shown. You may.

  When a single-family house or condominium is selected, an input unit W102 is displayed as shown in FIG. 10B, and when a rental house (to be purchased in the future) is selected, an input unit W103 is displayed as shown in FIG. 10D. When a rental house (with no planned purchase) is selected, an input unit W104 is displayed as shown in FIG. 10D. The user inputs user information regarding the dwelling house through any of the input units W102 to W104. When the user selects no living expenses via the input unit W101, no further display of the input unit of the user information is performed. The input screen of FIG. 10B includes, in addition to the ones shown in the figure, "How much is the annual repayment amount by bonus? (If twice a year, the total amount)", "What is the remaining repayment period?" Items such as "What is the loan interest rate per year?" And "Loan balance" may be included. Among these items, a value calculated from the user information input to the other items may be displayed in the item of “loan balance”. In addition, in the item "How long is the loan repayment period expected?" In FIG. 10C, a description such as "If there is a loan balance at the time of retirement, the entire amount will be repaid at that time." May be displayed.

  FIG. 11 is a screen display example of an input screen W20 of user information related to retirement life displayed when the event object OB6 of “life of retirement” is selected. The user inputs user information regarding life after retirement via the input unit W201. In the input screen of FIG. 11, the link LN includes, in addition to those shown, "health insurance after retirement," "care costs and nursing care insurance," "summary of the nursing care insurance system," "summary of inheritance and gifts," `` Basic gift tax, '' `` Spouse inheritance / gift, '' `` Real estate inheritance / gift, '' `` Overview of inheritance and gifts, '' `` Preparation for inheritance, '' `` Basic inheritance tax, '' `` `` Legends '', `` Inheritance flow-From inheritance start to declaration and tax payment '', `` Calculation of inheritance '', `` Spouse inheritance / gift '', `` Real estate inheritance / gift '', `` Life insurance and inheritance tax '', Items such as “Inheritance Settlement Taxation System” and “The Will and Adult Guardianship System-for yourself and family” may be included.

  FIG. 12 is a screen display example of the simulation screen in which the input of the user information is completed. When the user inputs necessary user information and presses a button W25 on the simulation screen, an analysis process is performed on the simulation result. The display unit 5 performs display processing on the analysis processing result, and enables the display processing result to be transmitted to the user terminal 3.

  In the present embodiment, the suggestion unit 8 analyzes the saving plan of the user based on the input user information. An optimal savings plan is proposed to the user based on the analysis processing result.

  The flow from the input of user information to the completion of the simulation processing in the present embodiment will be described with reference to FIG. In step S11, user information (current age, financial asset amount) from the user terminal 3 is input. In step S12, the simulation server 2 displays a simulation screen. In order to simulate the user's asset balance, there is a case where the information is insufficient only with the user information (parameter) which has been completed at this time. In this case, the simulation server 2 lacks the information. The calculation is performed using a predetermined initial value for each parameter.

  The user inputs (or corrects) the user information via the placement of the event object on the simulation screen or the input on the input screen (step S13). On the simulation screen, the user inputs user information by overlaying the event object on the graph display. On the input screen, the user inputs user information by text input in a text box or selecting a check box. When the predetermined user information is input (or corrected), the display contents of the graph display and / or the event list display are updated (step S14). Until the input of necessary user information is completed, the input and update processes of steps S13 to S14 are repeated, and the user performs input and correction of user information as appropriate while checking the displayed graph display and event list display (Step S15).

  When the input of necessary user information is completed (Yes in step S15), the user presses the button W25. When the button W25 is pressed, an analysis process is performed by the suggestion unit 8, the analysis result is displayed, and can be transmitted to the user terminal 3 (step S16).

  According to the present invention, a user can input user information by arranging an event object, and can input information for simulating a life plan while imagining a view of the life plan. Further, the user can input user information from any item of the user.

  In addition, since the displayed simulation screen includes the event list display, the user can easily grasp the events that occur in the life plan.

  Further, the user can easily grasp the contents of the event intended by the event object.

2. Second Embodiment Next, a second embodiment of the present invention will be described. This embodiment differs from the above-described first embodiment in that the content of the simulation screen generation processing performed by the simulation server 2 is different. In the following description, the same components or processes as those in the above-described first embodiment are denoted by the same reference numerals, and description thereof is omitted.

  FIG. 15 is a functional block diagram illustrating an outline of a simulation system according to the second embodiment of the present invention. In the figure, the simulation server 2 includes a receiving unit 21, an acquiring unit 22, an updating unit 23, a display controlling unit 24, and an erasing unit 25. The receiving unit 21 receives an instruction or information input by a user. In this embodiment, the receiving unit 21 receives input of user information via the user terminal 3. When the receiving unit 21 receives the input of the user information of the user, the obtaining unit 22 obtains a simulation result of the time change of the user's asset amount obtained using the user information. When the accepting unit 21 accepts the input of the user information, the updating unit 23 causes the acquiring unit 22 to acquire the simulation result updated using the input user information.

  The display control unit 24 causes the display unit (for example, the output device 306 of the user terminal 3) to display the simulation screen by transmitting image data representing the simulation screen to the user terminal 3. In this example, the display control unit 24 displays a simulation screen including a graph representing the simulation result on a plane defined by a time axis and an asset axis on the display unit. Further, when the simulation result updated by the updating unit 23 is obtained, the display control unit 24 displays the first simulation result obtained at the time of the previous update and the second simulation result obtained at the time of the current update on the graph. Control the display means.

  The erasing unit 25, when the receiving unit 21 receives one of the first simulation result and the second simulation result, selects the simulation result that is not selected from the first simulation result and the second simulation result. Erase from the above graph. The hardware configuration of the simulation server 2 is the same as the configuration illustrated in FIG.

  Next, the operation of the present embodiment will be described. The user performs an operation of accessing a web page for simulation using the input device 305 (for example, a touch screen, a mouse, or a keyboard) of the user terminal 3. The user terminal 3 transmits a request to the simulation server 2 according to the information output from the input device 305. Upon receiving the request from the user terminal 3, the simulation server 2 transmits a response including the data of the web page corresponding to the received request to the user terminal 3. Upon receiving the response from the simulation server 2, the user terminal 3 causes the output device 306 to display a simulation screen according to the received response.

  FIG. 16 is a diagram illustrating an example of a screen displayed on the output device 306. In this example, the simulation screen W301 includes a graph area A301 in which a graph is displayed, an event area A302 in which an event object (an example of an image object) is displayed, and a list area A303 in which a list of life events is displayed. Including. In the graph area A301, a graph showing a simulation result of a temporal change of the user's asset amount is displayed. In the graph area A301, the horizontal axis is a time axis, and the vertical axis is an asset axis. That is, in the graph area A301, a graph representing the simulation result on a plane defined by the time axis and the asset axis is displayed.

  One or more event objects OB301 to OB313 are displayed in the event area A302. Each of the event objects OB301 to OB313 is an image object corresponding to a life event. A life event refers to an event that occurs or can occur in a user's life, in particular, an event that involves monetary income or expenditure. Specifically, the event objects OB301 to OB313 are the user's "current age", "lifetime age", "work", "retirement", "head of household", "family", "education", and "asset", respectively. , “Life”, “living house”, “life in retirement”, “pension”, and “other income”. In this embodiment, the user information is input by changing the position of the event object or selecting the event object by double-clicking or the like.

  Among the event objects OB301 to OB313, the event objects OB301 to OB303 and the event objects OB304 to OB313 differ in appearance such as color scheme or shape. In the screen of FIG. 16, the event objects OB301 to OB303 are displayed with a first appearance, whereas the event objects OB304 to OB313 are displayed with a second appearance different from the first appearance. In this embodiment, of the event objects OB301 to OB313 displayed in the event area A302, the user can select and move the event objects OB301 to OB303 displayed in the first appearance, and the other event objects OB304 to OB303. The user cannot select and move OB 313. That is, the event objects OB301 to OB303 are active, and the event objects OB304 to OB313 are inactive. In the list area A303, a list of life events corresponding to the simulation result is displayed.

  On the screen illustrated in FIG. 16, the user inputs user information by moving or selecting one of the event objects OB301 to OB303. In this embodiment, the user inputs user information by moving the event object OB301 or the event object OB302 displayed in the event area A302 to the graph area A301 or double-clicking the event object OB303. In this example, the event object OB301 (“current age”) is an event object for determining the start point of the time axis, and the event object OB302 (“lifetime age”) is an event object for determining the end point of the time axis. For the event objects OB301 and OB302, the values of the parameters (current age and lifetime age) are updated by moving the positions on the graph (positions on the time axis). Regarding the event object OB303 (“work”), the position on the graph is irrelevant to the value of the parameter, and when double-clicked, a separate window opens to allow input of detailed user information.

  FIG. 17 is a diagram illustrating a state where the event object OB301 has been moved to the graph area A301 on the screen of FIG. In this example, the user moves the event object OB301 to the graph area A301. By this movement, a numerical value corresponding to the position on the time axis of the event object OB301 is input as the current age of the user.

  The user terminal 3 transmits the user information input by the user to the simulation server 2 according to the information output from the input device 305.

  FIG. 18 is a flowchart of the simulation processing according to the present embodiment. In step S21, the simulation server 2 receives an input from a user. In this embodiment, when the simulation server 2 receives user information (current age, financial asset amount, etc.) from the user terminal 3, an input is accepted. The simulation server 2 waits until an input by a user is received (step S21; NO), and when an input of user information is received (step S21; YES), proceeds to the processing of step S22.

  In step S22, the simulation server 2 simulates a time change of the user's asset amount obtained using the user information, and obtains a simulation result. For example, when receiving an instruction to change the position of the event object, the simulation server 2 updates the simulation according to the changed position, and acquires the updated simulation result.

  In step S23, the simulation server 2 generates image data of a simulation screen including a graph representing the simulation result, transmits the generated image data to the user terminal 3, and displays the simulation result.

  FIG. 19 is a diagram illustrating a screen on which a graph representing a simulation result is displayed. FIG. 19 illustrates a state in which “current age”, “lifetime age”, and “work” have been input as user information. In this embodiment, the user information of “current age”, “lifetime age”, and “work” are required input items. When all the user information is input, other user information can be input. In this example, the event objects corresponding to the user information of “family”, “assets”, “life”, “living house”, “life in retirement”, “pension”, and “other income” are changed from inactive to It becomes active.

  Note that the input screen of “job” is the same as in FIGS. 8A to 8D shown in the first embodiment. When the user information of “work” is input, as illustrated in FIGS. 8A to 8D, the simulation server 2 displays a window for inputting the user information on the graph in a superimposed manner. Receive instructions to change information. The same applies to other user information such as “family” and “education”. When an event object corresponding to each user information is selected, a window for inputting the user information is superimposed on the graph. Is displayed. When the simulation server 2 receives an instruction to change the user information in those windows, the simulation server 2 performs the simulation again according to the changed user information, and obtains an updated simulation result.

  As illustrated in FIG. 19, in this embodiment, an asset graph G301 indicating a simulation result of a time change of an asset of a user is displayed in a graph area A301, and an income graph G302 indicating an annual income of the user. And an expenditure graph G303 representing expenditure. The contents of these graphs are the same as those of the asset graph W21C, the income graph W21A, and the expenditure graph W21B according to the above-described embodiment.

  Returning to the description of FIG. In step S24, the simulation server 2 waits until user information is input again. The input of the user information is accepted by receiving the user information from the user terminal 3 as in step S21. When receiving the input of the user information (step S24; YES), the simulation server 2 performs the simulation again using the input user information in step S25, and obtains an updated simulation result.

  When the updated simulation result is obtained, the simulation server 2 generates data of a simulation screen that displays the first simulation result obtained at the previous update and the second simulation result obtained at the current update on a graph. The simulation server 2 causes the first simulation result and the second simulation result to be displayed on the user terminal 3 by transmitting the generated image data to the user terminal 3.

  20 and 21 are diagrams illustrating a simulation screen. In the example of FIG. 20, the asset graph G304 before update and the asset graph G305 after update when the user information of “education” is updated are displayed in the graph area A301. The input screen for the user information of “education” is the same as that in FIG. 8C of the first embodiment described above. In the example of FIG. 21, the asset graph G306 before update and the asset graph G307 after update when the user information of “work” is updated are displayed in the graph area A301.

  In this embodiment, in the graph area A301, the first simulation result (G305 in FIG. 20, G307 in FIG. 21) and the second simulation result (G304 in FIG. 20, G306 in FIG. 21) are different in appearance (color, shape, etc.). ).

  Further, a list of life events corresponding to the simulation result is displayed in a list area A303 of the simulation screen W301. The simulation server 2 displays the life event corresponding to the first simulation result and the second simulation result among the life events included in the list, in a different appearance (color, shape, and the like) from other life events. Specifically, in this embodiment, among the life events included in the list, the life event updated by the input of the user information or the row including the updated life event is highlighted.

  20 and FIG. 21, buttons OB314 and OB315 for selecting one of the asset graph G304 as the first simulation result and the asset graph G305 as the second simulation result are displayed. . The button OB 314 is an image object for selecting a first simulation result before updating. On the other hand, the button OB 315 is an image object for selecting the updated second simulation result. The user selects either the button OB 314 or the button OB 315 to determine whether to update the user information or cancel the update. When one of the buttons is selected by the user, a request indicating the selected content is transmitted to the simulation server 2.

  Returning to the description of FIG. The simulation server 2 waits until one of the first simulation result and the second simulation result is received (Step S27; NO). If any of the selections has been received (step S27; YES), the simulation server 2 represents a screen in which, in step S28, a simulation result that was not selected from the first simulation result and the second simulation result was deleted from the graph. Screen data is generated and transmitted to the user terminal 3. The user terminal 3 displays a simulation screen on the output device 206 according to the data received from the simulation server 2. As a result, the user terminal 3 displays a screen in which the unselected simulation result of the first simulation result and the second simulation result is deleted from the graph.

  After finishing the process in step S28, the simulation server 2 returns to the process in step S24, and waits for an input by the user. When the user inputs the user information again, the simulation server 2 executes the processing after step S25 again and sequentially updates the simulation screen. That is, every time user information is input (or updated) by the user, the simulation result before update and the simulation result after update are displayed in a superimposed manner, and the user can display any of the simulation results. You can choose.

  In this embodiment, the user can obtain a simulation result (G305 in FIG. 20, G307 in FIG. 21) in which the user information input immediately before is reflected, and a simulation result (G304 in FIG. 20, G306 in FIG. 21) before the reflection. ) Is easy to grasp visually. Further, the user can cancel the user information input immediately before as necessary. As described above, when performing the simulation of the user's asset amount, the user inputs the user information, corrects (updates) the user information, and determines whether or not to correct the user information (confirm the update or return to before the update). J) is easy to perform.

  In the second embodiment, either the first simulation result or the second simulation result is selected by the user selecting one of the buttons OB314 and OB315. Is not limited to the one described in the above embodiment. For example, the selection may be made by the user performing an operation such as a double click on any one of the plurality of asset graphs displayed in the graph area A301. Further, as another example, the selection may be performed by, for example, the user dragging and dropping the non-selected asset graph to the outside of the graph area A301.

3. Modifications The present invention is not limited to the above-described embodiment, and various modifications can be made. Hereinafter, some modified examples will be described. Two or more of the following modifications may be used in combination. Also, at least a part of the items described in the second embodiment may be used in combination with at least a part of the items of the first embodiment.

  The simulation screen is not limited to those illustrated in the embodiment. In the embodiment, the simulation screen includes (a) a graph representing a simulation result of a user's income, expenditure, and asset amount over time on a plane defined by a time axis and an asset axis, and (b) a list of life events. List display and (c) all event boxes in which a plurality of event objects are arranged. However, at least a part of (a) to (c) may be omitted.

  The specific method of inputting user information is not limited to the method exemplified in the embodiment. Instead of, or in addition to, dragging and dropping an event object onto the graph and clicking on the event object to open another input window, a predetermined operation (for example, a so-called right click) is performed on the graph. The input window may be opened as a trigger. Alternatively, the input window may be opened when an image object outside the graph is selected.

  The UI for inputting the numerical values of the parameters in the input window is not limited to the one exemplified in the embodiment. For example, user information may be input via an image object imitating a dial or a fader, or voice input.

  In the above-described embodiment, as the user information of “current age” and “lifetime age”, a value corresponding to the changed position is input by changing the position of the image object. Regarding other user information, a value corresponding to the position of the image object on the graph may be input. That is, the coordinates (x coordinate and / or y coordinate) of the image object and the user information may be linked. For example, for the user information of “residential house”, when the image object B310 of “residential house” is moved from the event area A302 to the graph area A301 by the user, the value of the x coordinate of the image object B310 after the movement is changed. It may be input as a house purchase time. As another example, for example, the value of the y coordinate of the image object B310 after the movement may be input as the purchase price of the house.

  In the above embodiment, the functions implemented in the simulation server 2 may be provided by being shared by a plurality of devices. For example, a first server including an accepting unit 21, an acquiring unit 22, an updating unit 23, a display controlling unit 24, and an erasing unit 25 illustrated in FIG. 15, and a second server that simulates a time change of the asset amount of the user May be formed separately. In this case, when receiving the input of the user information, the first server acquires the simulation result from the second server.

  Further, at least a part of the functions implemented in the simulation server 2 in the above-described embodiment may be implemented in the user terminal 3. For example, a simulation application program that implements the reception unit 21, the acquisition unit 22, the update unit 23, the display control unit 24, and the deletion unit 25 illustrated in FIG. 15 may be downloaded to the user terminal 3 via a network. In this case, by installing and executing the simulation application on the user terminal 3, the user terminal 3 provides each function related to the simulation server 2 of the present embodiment. Further, the simulation application installed in the user terminal 3 may be configured to acquire a simulation result from the simulation server 2.

  Further, for example, the functions implemented in the simulation server 2 according to the above-described embodiment may be shared between the server and the user terminal.

  In the list displayed in the list area A303 according to the above-described second embodiment, image objects are displayed for life events corresponding to the first simulation result and the second simulation result, respectively. An input of a change may be accepted.

  The steps of the processing performed in the simulation system 1 are not limited to the examples described in the above embodiments. The steps of the processing may be interchanged as long as there is no inconsistency. Further, the present invention may be provided as a simulation method performed in the simulation system 1.

DESCRIPTION OF SYMBOLS 1 ... Simulation system, 2 ... Simulation server, 201 ... CPU, 202 ... RAM, 203 ... Recording device, 204 ... Communication device, 205 ... Input device, 206 ... Output device, 207 ... OS, 208 ... Simulation program, 3 ... User Terminal, 301 CPU, 302 RAM, 303 recording device, 304 communication device, 305 input device, 306 output device, 307 OS, 4 reception unit, 5 display unit, 6 arrangement unit, 7 ... Calculation means, 8 proposal means, 21 reception means, 22 acquisition means, 23 update means, 24 display control means, 25 deletion means, DB database, NW network, W1, W3A, W3B, W4 , W5, W6, W7, W8, W9, W10, W20 ... input screens, W11, W31, W32, W41, W51, W 2, W53, W54, W61, W71, W81, W91, W101, W102, W103, W104, W201 ... input unit, W12 ... button, W2 ... simulation screen, W21 ... graph display, W21A ... income graph, W21B ... expenditure graph , W21C: Asset graph, W22: Input screen display, W23: Event box, W24: Event list display, W25: Execute button, OB, OB1, OB2, OB3, OB4, OB5, OB6: Event object, LN: Link

Claims (9)

Receiving means for receiving an input by a user;
When the receiving unit receives an input of the user information of the user, an obtaining unit that obtains a simulation result of a time change of the asset amount of the user obtained using the user information,
An updating unit that, when the receiving unit receives the input of the user information, causes the obtaining unit to obtain the simulation result updated using the input user information;
Displaying a simulation screen including a graph representing the simulation result on a plane defined by a time axis and an asset axis on a display unit, and when the updated simulation result is obtained by the updating unit, when the previous update is performed, Display control means for controlling the display means to display the obtained first simulation result and the second simulation result obtained at the time of updating this time on the graph;
When the accepting unit accepts selection of any one of the first simulation result and the second simulation result, a simulation result that is not selected from the first simulation result and the second simulation result is deleted from the graph. A simulation device having erasing means. The simulation device according to claim 1, wherein the display control unit displays the first simulation result and the second simulation result in different colors in the graph. The display control means displays an image object corresponding to the user information on the graph,
3. When the receiving unit receives an instruction to change the position of the image object, the updating unit causes the obtaining unit to obtain the simulation result updated according to the changed position. 4. The simulation device according to the above. The display control means displays a window for inputting the user information over the graph,
When the receiving unit receives an instruction to change the user information in the window, the updating unit causes the obtaining unit to obtain the simulation result updated according to the changed user information. 3. The simulation device according to 2. The simulation screen includes a list of life events corresponding to the simulation result,
The said display control means displays the life event corresponding to the said 1st simulation result and the said 2nd simulation result among the life events included in the said list with an appearance different from other life events. The simulation device according to claim 1. The display control means displays image objects for life events corresponding to the first simulation result and the second simulation result in the list,
The simulation device according to claim 5, wherein the receiving unit receives an input of a change in the user information via the image object. Receiving means for receiving an input by a user;
When the receiving unit receives an input of the user information of the user, an obtaining unit that obtains a simulation result of a time change of the asset amount of the user obtained using the user information,
An updating unit that, when the receiving unit receives the input of the user information, causes the obtaining unit to obtain the simulation result updated using the input user information;
Displaying a simulation screen including a graph representing the simulation result on a plane defined by a time axis and an asset axis on a display unit, and when the updated simulation result is obtained by the updating unit, when the previous update is performed, Display control means for controlling the display means to display the obtained first simulation result and the second simulation result obtained at the time of updating this time on the graph;
When the accepting unit accepts selection of any one of the first simulation result and the second simulation result, a simulation result that is not selected from the first simulation result and the second simulation result is deleted from the graph. A simulation system having erasing means. On the computer,
Accepting input by the user;
When input of the user information of the user is received, a step of obtaining a simulation result of a temporal change of the asset amount of the user obtained using the user information;
When receiving the input of the user information, acquiring the simulation result updated using the input user information,
Displaying on a display means a simulation screen including a graph representing the simulation result on a plane defined by a time axis and an asset axis;
When the updated simulation result is obtained, controlling the display unit to display the first simulation result obtained at the last update and the second simulation result obtained at the current update on the graph;
Erasing any of the first simulation result and the second simulation result that has not been selected from the graph when the selection of one of the first simulation result and the second simulation result is received. Program to let you. A computer system receiving input from a user;
When receiving the input of the user information of the user, the computer system obtains a simulation result of the time change of the user's asset amount obtained using the user information,
When receiving the input of the user information, the computer system obtains the simulation result updated using the input user information,
The computer system causes a display unit to display a simulation screen including a graph representing the simulation result on a plane defined by a time axis and an asset axis,
When the updated simulation result is obtained, the computer system causes the display unit to display the first simulation result obtained at the last update and the second simulation result obtained at the current update on the graph. Controlling; and
When accepting selection of one of the first simulation result and the second simulation result, the computer system deletes, from the graph, a simulation result that is not selected from the first simulation result and the second simulation result. And a simulation method.