JP6813954B2 - Asset management equipment, asset management methods and asset management programs - Google Patents

Description

The present invention relates to an asset management device, an asset management method, and an asset management program that support asset management.

In the past, there have been various technologies that support the management of own assets. Appropriate management of assets is expected to reduce the burden of inheritance and procedures after the death of the user. Conventionally, for example, the procedure after the death of the user, which is defined during the life of the user, is a user. There were various techniques that ensured that it would be realized after his death. Specifically, conventionally, for example, information about oneself, relatives / acquaintances recorded by a user during his / her life is disclosed only to the relatives / acquaintances desired by the deceased user when the user himself / herself dies. (For example, see Patent Document 1 below).

Further, specifically, conventionally, for example, there has been a technique for ensuring the security related to the storage of the will contents and the certainty related to the transmission of the will contents to the bereaved family (for example, the following patent documents). See 2.). In addition, specifically, in the past, for example, the user has to perform various procedures such as the disclosure of the funeral and will after the death of the user, or the procedure for receiving the survivor's pension and life insurance, which the user has set during his / her life. There was a technique to be enforced after the death of (see, for example, Patent Document 3 below).

Japanese Unexamined Patent Publication No. 2012-168664 Japanese Unexamined Patent Publication No. 2012-78883 Japanese Unexamined Patent Publication No. 2015-11451

However, although the above-mentioned conventional technology can manage asset items and will contents, the contents of the list are not updated even if the asset value fluctuates. Therefore, if the asset value fluctuates, the changed asset There was a problem that the burden on asset management was heavy because it was necessary to re-examine the value of the asset and recreate the list.

Also, in general, a will is created based on the value of the asset at the time of creating the will, and when the will is created based on the list created by the conventional technique described above, the value of the asset is If it fluctuates, the list must be recreated, that is, the value of each asset must be investigated, and the process must be redone, which causes a heavy burden on the will creator.

If the owner of the property suddenly died due to an unexpected accident while avoiding such complicated work and postponing the update of the will, the bereaved family will not investigate the property. There was a problem that smooth inheritance was difficult.

An object of the present invention is to provide an asset management device, an asset management method, and an asset management program capable of reducing the burden on the customer in managing assets in order to solve the problems caused by the above-mentioned prior art.

In order to solve the above-mentioned problems and achieve the object, the asset management device according to the present invention includes an asset information input unit that accepts input of asset information about the customer's assets including information about the customer's financial account, and the asset information. The balance acquisition unit that searches for the financial account from the information about the financial account that has been input by the input unit and acquires the balance of the financial account, the asset information that has been input by the asset information input unit, and the balance acquisition. The asset list creation department that creates an asset list based on the balance of the financial account acquired by the department, the asset list registration department that registers the asset list created by the asset list creation department for each customer, and the asset list registration It is characterized by including an asset list transmission unit that transmits an asset list registered in the unit to the terminal device of the customer at a request from the customer or at a predetermined timing.

Further, the asset management device according to the present invention further includes an asset value acquisition unit for acquiring information on the asset value of at least one of the real estate information and the securities information included in the asset information in the above invention. The asset list creation unit creates an asset list based on information on the asset value acquired by the asset value acquisition unit.

Further, the asset management device according to the present invention is characterized in that, in the above invention, the asset list creation unit calculates a difference in the asset list created last time and includes the difference in the asset list.

Further, in the above invention, the asset management device according to the present invention includes a will information input unit that accepts input of the customer's will information, will information that is input by the will information input unit, and the customer's assets. It is characterized by having a will writing unit that creates a will based on a list and a will registration unit that registers a will created by the will making department.

Further, in the above-mentioned invention, in the asset management device according to the present invention, the will information input unit receives input of update information of the customer's will information, and the will creation unit corresponds to the will registration unit. The will will be extracted, and the will will be updated based on the update information of the will information received by the will information input unit and the asset list of the customer, and the will registration unit will create the will. It is characterized by registering a will updated by the department.

Further, in the above invention, the asset management device according to the present invention is the will based on the death information acquisition unit that acquires the death information regarding the death of the customer and the death information acquired by the death information acquisition unit. A password creation unit that creates a password for acquiring the will of the customer registered in the registration unit, and a terminal of the inheritance heir of the customer who has registered the password created by the password creation unit in advance. It is characterized by including a password transmitter for transmitting to the device.

Further, in the above invention, the asset management device according to the present invention further searches for the financial account from the information about the financial account for which input is accepted by the asset information input unit, and processes deposits and withdrawals for the financial account. It is characterized by having a business partner acquisition unit that acquires information on the business partner in which the transaction was made, and the asset list creation unit creates an asset list based on the information on the withdrawal destination acquired by the business partner acquisition department. To do.

Further, in the above invention, the asset management device according to the present invention is the business partner based on the death information acquisition unit that acquires the death information regarding the death of the customer and the death information acquired by the death information acquisition unit. It is characterized by having a transaction abolition processing unit that sends information regarding a transaction abolition request from the company to the relevant business partner.

Further, the asset management method according to the present invention relates to an asset information input process that accepts input of asset information related to the customer's assets including information about the customer's financial account, and a financial account that receives input in the asset information input process. Based on the balance acquisition process of searching for the financial account from the information and acquiring the balance of the financial account, the asset information input received in the asset information input process, and the balance of the financial account acquired in the balance acquisition process. The asset list creation process for creating the asset list, the asset list registration process for registering the asset list created in the asset list creation process for each customer in the asset list registration unit, and the assets registered in the asset list registration process. It is characterized by including an asset list transmission step of transmitting a list to the terminal device of the customer at a request from the customer or at a predetermined timing.

Further, in the asset management program according to the present invention, the input is accepted in the asset information input step of accepting the input of the asset information related to the customer's asset including the information about the customer's financial account and the asset information input step. The balance acquisition process of searching for the financial account from the information about the financial account and acquiring the balance of the financial account, the asset information input received in the asset information input process, and the financial account acquired in the balance acquisition process. An asset list creation process that creates an asset list based on the balance, an asset list registration process that registers the asset list created in the asset list creation process for each customer in the asset list registration unit, and registration in the asset list registration process. It is characterized in that the asset list transmission step of transmitting the created asset list to the terminal device of the customer at the request of the customer or at a predetermined timing is executed.

According to the asset management device, the asset management method, and the asset management program according to the present invention, it is possible to reduce the burden on the customer in managing the assets.

It is explanatory drawing which shows the system structure of the asset management system of embodiment which concerns on this invention. It is a block diagram which shows an example of the hardware composition of the computer device which realizes the asset management device. It is a block diagram which shows an example of the hardware composition of the computer device which realizes the customer's terminal device. It is a block diagram which shows an example of the hardware composition of the smartphone which realizes a customer's terminal device. It is explanatory drawing (the 1) which shows an example of an asset list database. It is explanatory drawing (the 2) which shows an example of an asset list database. It is explanatory drawing which shows an example of a will database. It is explanatory drawing which shows an example of the asset information input screen. It is explanatory drawing which shows the display example of a will. It is a block diagram which shows the functional structure of the asset management apparatus. It is a flowchart (the 1) which shows the processing procedure of the asset management apparatus. It is a flowchart (the second) which shows the processing procedure of an asset management apparatus. It is a flowchart (the third) which shows the processing procedure of the asset management apparatus. It is a flowchart (4) which shows the processing procedure of an asset management apparatus.

Hereinafter, preferred embodiments of the asset management apparatus, asset management method, and asset management program according to the present invention will be described in detail with reference to the accompanying drawings.

(System configuration of asset management system)
First, the system configuration of the asset management system of the embodiment according to the present invention will be described. FIG. 1 is an explanatory diagram showing a system configuration of an asset management system according to an embodiment of the present invention. In FIG. 1, the asset management system 100 of the embodiment according to the present invention includes an asset management device 110, a customer terminal device 120, and a heritage heir terminal device 130. The asset management device 110, the customer terminal device 120, and the inheritance heir terminal device 130 are connected to a network 101 such as the Internet.

The asset management device 110 is capable of communicating with the customer's terminal device 120 and the inheritance heir's terminal device 130. The asset management device 110 can be realized by a computer device such as a personal computer (see FIG. 2A). Further, the asset management device 110 may be realized by a terminal device having a communication function, such as a smartphone or a tablet terminal (see FIG. 2C).

The asset management device 110 is managed by, for example, a bank. The asset management device 110 includes various databases such as an asset list database (see FIG. 3A) and a will database (see FIG. 3B). The asset list database and will database will be described later.

The customer's terminal device 120 is capable of communicating with the asset management device 110, and can be realized by, for example, a computer device such as a personal computer connected to the network 101 (see FIG. 2B). Alternatively, the customer's terminal device 120 may be realized by a terminal device having a communication function, such as a smartphone or a tablet terminal (see FIG. 2C). The customer can update the asset list database and the will database by communicating with the asset management device 110 using the customer's terminal device 120.

Similar to the customer's terminal device 120, the heritage heir's terminal device 130 provides communication functions such as a computer device (see FIG. 2B) such as a personal computer connected to the network 101, and a smartphone or tablet terminal. This can be achieved by a terminal device provided (see FIG. 2C). The inheritance heir's terminal device 130 can communicate with the asset management device 110 only when certain conditions described later are met.

(Example of hardware configuration of asset management device 110)
Next, an example of the hardware configuration of the asset management device 110 will be described. FIG. 2A is a block diagram showing an example of the hardware configuration of the computer device that realizes the asset management device 110.

In FIG. 2A, the computer device that realizes the asset management device 110 includes a CPU (Central Processing Unit) 211, a memory 212, and a network I / F (Interface) 213. Each unit 211 to 213 included in the computer device is connected by a bus 210. The CPU 211 is in charge of overall control of the computer device.

The memory 212 stores programs such as boot programs and data constituting various databases. Specifically, the memory 212 stores, for example, data constituting an asset list database or a will database. Further, the memory 212 is used as a work area of the CPU 211. The memory 212 can be realized by, for example, a ROM (Read-Only Memory), a RAM (Random Access Memory), an HDD (Hard Disk Drive), an HD (Hard Disk), or the like.

The network I / F 213 is connected to the network 101, controls the interface between the inside of the computer device and the external device, and includes the inside of the computer device and the external device such as the customer's terminal device 120 and the inheritance heir's terminal device 130. Controls the input and output of data between.

(Example of hardware configuration of customer terminal device 120)
Next, an example of the hardware configuration of the customer's terminal device 120 will be described. FIG. 2B is a block diagram showing an example of a hardware configuration of a computer device that realizes a customer terminal device 120. In FIG. 2B, the computer device that realizes the customer's terminal device 120 includes a CPU 221, a memory 222, a network I / F 223, a display 224, and an input device 225. Each unit 221 to 225 included in the computer device that realizes the customer's terminal device 120 is connected by a bus 220. A printer (not shown) may be connected to the computer device that realizes the customer's terminal device 120.

The CPU 221 is in charge of overall control of the computer device. The CPU 221 controls the entire computer device that realizes the customer's terminal device 120 by using various programs and data stored in the memory 222. The memory 222 can be realized by a ROM, a RAM, an HDD, an HD, or the like, similarly to the memory 212 described above. The network I / F 223 controls the interface between the inside of the computer device that realizes the customer's terminal device 120 and the asset management device 110.

The display 224 displays, for example, an asset information input screen described later. Specifically, the display 224 can be realized by, for example, a liquid crystal panel. The liquid crystal panel is configured by sandwiching a liquid crystal material (liquid crystal molecules) between a pair of glass substrates incorporating a transparent electrode and providing a polarizing filter on the glass substrate. The liquid crystal panel controls the state of light transmitted through the glass substrate by applying a voltage to the electrodes to change the orientation of the liquid crystal molecules. Further, the liquid crystal panel is provided with a backlight as a light source. This makes it possible to illuminate the image displayed by the liquid crystal molecules that do not emit light by themselves.

The input device 225 includes keys for inputting characters, numerical values, various instructions, and the like, and outputs a signal corresponding to an input operation to the input device 225 to the CPU 221. The input device 225 can be realized by, for example, a touch panel or a keyboard. When the input device 225 is realized by a touch panel, the touch panel is laminated on the display surface side of the display 224.

The touch panel detects the contact position of a writing member such as a finger or a pen on the touch panel by various known methods such as a resistive film method, a capacitance method, an electromagnetic induction method, and a surface acoustic wave method, and responds to the detected contact position. The electric signal is output to the CPU 221. When the electromagnetic induction method is adopted, a dedicated writing member called an electronic pen or the like is used.

(Example of hardware configuration of customer terminal device 120)
Next, an example of the hardware configuration of the customer's terminal device 120 will be described. FIG. 2C is a block diagram showing an example of the hardware configuration of a smartphone that realizes the customer's terminal device 120.

In FIG. 2C, the smartphone includes a CPU 231, a memory 232, a network I / F 233, a display 234, an operation unit 235, a microphone 236, a speaker 237, and a camera 238. Each component 231 to 238 included in the smartphone is connected by a bus 230.

The CPU 231 controls the entire smartphone. The CPU 231 controls the entire smartphone by using various programs and data stored in the memory 232. The memory 232 can be realized by a ROM, a RAM, or the like. The network I / F 233 controls the input / output of data to / from the external device via the network 101. Further, the network I / F 233 is connected to a telephone line network, and realizes a voice call with a communication terminal device such as another smartphone (or a portable telephone, PHS) or a fixed telephone.

The display 234 displays, for example, various marks, icons, tool boxes, etc. indicating the mode (manner mode, drive mode, etc.) set in the smartphone and the reception state of radio waves. The display 234 can be realized mainly by a liquid crystal display, an organic EL (Electro-Luminescence) display, or the like.

The operation unit 235 is provided with keys for inputting characters, numerical values, various instructions, and the like, and inputs data. The operation unit 235 can be realized by, for example, a touch panel or a keyboard. The operation unit 235 realized by a touch panel, a keyboard, or the like outputs a signal corresponding to an input operation to the operation unit 235 to the CPU 231. When the operation unit 235 is realized by a touch panel, the touch panel is laminated on the display surface side of the display 234. When the touch panel detects that a writing member such as a finger or a pen has come into contact with the touch panel, the touch panel outputs an electric signal according to the contact position of the writing member with respect to the touch panel.

The microphone 236 performs analog / digital conversion of the speaker's voice input as analog data, and generates audio data in a digital format. The speaker 237 digitally / analog-converts digital-format audio data transmitted from the other party, and outputs audio by energizing a coil in the speaker cone based on the analog-format audio data. The camera 238 captures an image capture target by operating the operation unit 235 and generates image data. The generated image data is stored in a memory 232 or the like.

(Hardware configuration of terminal device 130 of inheritance heir)
The hardware configuration of the inheritance heir's terminal device 130 shall be realized by the computer device such as the personal computer shown in FIG. 2B described above or the smartphone shown in FIG. 2C described above, similarly to the customer's terminal device 120. Can be done.

(Example of asset list database)
Next, an example of the asset list database will be described. 3A and 3B are explanatory views showing an example of an asset list database. In FIG. 3A, the asset list database 310 stores the asset list 311 for each customer identification information. The customer identification information is information unique to each customer, and is composed of, for example, a combination of alphanumeric characters having an arbitrary number of digits. The customer identification information can also be used as a membership number in the asset management system 100.

The asset list 311 stores asset information about the customer's assets identified by the identification information. The asset information includes information about the customer's financial account. A customer's financial account can be realized by various known accounts such as a savings account, a savings account, a time deposit account, and a savings account opened at a bank. Further, the customer's financial account may be realized by, for example, an online account such as a Bitcoin wallet that stores electronic money (virtual currency, digital currency) distributed on the Internet such as Bitcoin.

The information about the customer's financial account is information that can identify the financial account, and for example, when the customer's financial account is a bank account, it can be realized by the account number assigned to the bank account. The bank account number is information that can identify the customer's financial account, for example, 14 digits consisting of a 4-digit financial institution code, a 3-digit branch code, and a 7-digit account number. It can be realized by combining the numbers of. In the asset management system 100, when the customer's financial account is a financial account opened at a bank that manages the asset management device 110, the account number may be realized by a combination of seven-digit numbers of the savings account.

The asset list 311 also includes information about the balance of the financial account identified by the account number or the like. In this embodiment, the asset management device 110 associates information on the balance such as the deposit amount with each account number of the customer's bank account opened in the bank, for example, provided in the computer device managed by the bank. By accessing the stored bank database, the balance of the bank account identified by the account number can be obtained.

In addition, the asset information may include information on real estate and securities owned by the customer. The information about the real estate is information that can identify the real estate, and includes, for example, information about the location of the real estate, the attributes of the real estate, and the like. The attribute of the real estate indicates whether the real estate is land or a fixed object such as a building or a standing tree, and if it is a building, further indicates the type of building, the content of the building, the age of the building, and the like. In addition, if the relevant real estate is a real estate managed by a person other than the customer, such as a management company, the information about the real estate includes the name and contact information (name of person in charge and telephone number) of the management company. May be good.

The information on securities is information that can identify the property right indicated by the securities, and includes, for example, information on the type and quantity of securities. The type of securities indicates whether the securities are, for example, stock certificates, bonds (golf membership, etc.), gift certificates, checks, bills, or the like. In addition, the information on securities may include information that can identify securities such as a securities number.

In addition, the information on securities may include information on evidence securities that do not transfer or exercise rights by securities, such as insurance policies for insurance that customers have subscribed to. Insurance policies are used to receive insurance claims, cancellation refunds due to premature cancellation, changes to contract details, etc. In the case of life insurance, they are used to receive insurance claims when the policyholder (customer) dies. Therefore, in this asset management system 100, evidence securities such as insurance securities can be treated in the same manner as securities.

Further, as shown in FIG. 3B, the asset list database 310 may store the asset list 312 for each customer identification information. The asset list 312 stores information on transactions that are regularly withdrawn with respect to the financial account specified by the account number for each account number. Specifically, the asset list 312 is, for example, "○ × Shimbun Co., Ltd. monthly withdrawal of 5,000 yen", "△ □ Alumni Association withdrawal of 10,000 yen every year", "◎◎ Tomo no Kai withdrawal of 5,000 yen every year" Items and amounts of transactions that are regularly performed, and information indicating that the type of transaction is withdrawal, such as, are stored in association with each account number.

In addition, the asset list 312 may store information on transactions in which payments are regularly made to the financial account specified by the account number in association with each account number. Specifically, the asset list 312 stores information related to transactions in which deposits are made on a regular basis, such as "Japan Pension Service monthly deposit of 150,000 yen".

The asset list 311 and the asset list 312 are created based on the asset information input by the customer and the information on the asset value acquired based on the asset information. The asset information can be input, for example, via the asset information input screen (see FIG. 4A) described later. The method of inputting the asset information by the customer and the method of acquiring the information on the asset value based on the input customer's asset information will be described later.

(Example of will database)
Next, an example of a will database will be described. FIG. 3C is an explanatory diagram showing an example of a will database. In FIG. 3C, the will database 320 stores the will 321 of the customer for each customer identification information. The will 321 stores the will information for each customer.

The will information includes information on the bequest destination (heritage heir) of the asset and the content of the bequest asset associated with the bequest destination. In the will information, the assets indicated by the information regarding the contents of the bequest assets are included in the assets indicated by the asset information in the above-mentioned asset list 311 and asset list 312. That is, in the will information, it is not possible to determine the bequest destination of the assets that are not included in the asset list 311 or the asset list 312.

Further, the will information may include arbitrary text data, image data, and voice data input by the customer. As a result, the customer can, for example, indicate in a sentence what he / she wants to say to the bereaved family and the customer's gratitude to the bereaved family and leave it as a will. In addition, the customer can include images (still images, moving images), sounds, and the like of memories in the will. For the will information, for example, the customer's terminal device 120 is displayed with the will information input screen (not shown) in the same manner as the asset information input method, and the customer is input according to the contents of the will information input screen. It is input by letting.

(Example of asset information input screen)
Next, an example of the asset information input screen will be described. FIG. 4A is an explanatory diagram showing an example of the asset information input screen. In FIG. 4A, the asset information input screen 410 is displayed on the displays 224 and 234 included in the personal computer or smartphone that realizes the customer's terminal device 120.

The asset information input screen 410 is displayed on the web browser provided in the customer's terminal device 120 according to HTTP (HyperText Transfer Protocol) via a predetermined Web server having an information transmission function in a WWW (World Wide Web) system, for example. It can be composed of various objects such as HTML (HyperText Markup Language) and images displayed on the object.

The asset information input screen 410 indicates the customer's terminal device when the customer operates the customer's terminal device 120 to indicate the intention to connect to a predetermined WEB page specified by the URL notified to the customer in advance. When the 120 communicates with a predetermined Web server, it is displayed on the displays 224 and 234 included in the personal computer or smartphone that realizes the customer's terminal device 120. The asset information input screen 410 is, for example, when it is authenticated that the customer is permitted to display the asset information input screen 410 by inputting a predetermined customer number (customer identification information) or a personal identification number. Can be displayed.

The asset information input screen 410 is provided with an input field for accepting input of the customer's name and customer's identification information (membership number). Further, the asset information input screen 410 is provided with an input field for inputting information regarding the balance in the customer's financial account. Specifically, on the asset information input screen 410, for example, information on a financial account is displayed. More specifically, on the asset information input screen 410, for example, the deposit / savings balance of the customer's bank account, the name of the bank or branch where the deposit / savings of the balance is located, the account number, and the like are displayed.

Further, the asset information input screen 410 is provided with an input field for accepting input of information regarding real estate and securities owned by the customer. Specifically, the asset information input screen 410 is provided with an input field for receiving input of, for example, the type and location of the real estate owned by the customer, and other information (size, etc.) related to the real estate. Specifically, the asset information input screen 410 is provided with an input field for receiving input of the type and quantity of securities owned by the customer, for example.

Further, the asset information input screen 410 is used for transactions such as assets on the network 101 such as videos and photographs stored on a predetermined site, customer's collected items such as antiques, and hobby items such as bonsai. An input field may be provided to accept input of information about an asset whose price or value is difficult to objectively indicate.

By accepting the input of the asset information through the asset information input screen 410, the customer can input the asset information by performing the minimum input according to the display contents of the asset information input screen 410. .. The customer can display the asset information input screen 410 at any time and input the asset information at any time.

The customer terminal device 120 associates the customer's identification information with the information input on the asset information input screen 410 when a predetermined input is made, such as when the "confirm" key is operated on the asset information input screen 410. The asset information is generated, and the asset information is transmitted directly to the asset management device 110 via a predetermined Web server. In the asset information to be transmitted, the information input by the customer is associated with the field in which each information is input, that is, the information regarding the type of asset.

Similar to the asset information input screen 410, the will information input screen indicates the intention of the customer to connect to a predetermined WEB page specified by the URL notified to the customer in advance by operating the customer's terminal device 120. In this case, the customer's terminal device 120 communicates with a predetermined Web server, so that the display can be displayed on the displays 224 and 234 of the personal computer or smartphone that realizes the customer's terminal device 120. The will information input screen is, for example, a customer who is permitted to display the will information input screen by inputting a predetermined customer number (customer identification information), a personal identification number, or the like, similarly to the asset information input screen 410. Can be displayed if it is authenticated.

On the will information input screen, for each asset information in the asset list 311 there is provided an input field for accepting input of information regarding the inheritance heir who inherits the asset indicated by the asset information after the death of the customer. Specifically, on the will information input screen, for example, a field for inputting the heir of the deposit and savings of the financial account, a field for inputting the heir of the real estate, a field for inputting the heir of the securities information, and the like. There is a field for entering the heir of the corresponding asset for each type of. In each field for entering heirs, specify multiple heirs, such as "50% for heir A, 30% for heir B, 20% for heir C", etc. You may enter information that specifies the inheritance ratio of the heirs of.

Further, the will information input screen may be provided with an input field for accepting the input of arbitrary will information by the customer, not limited to the inheritance of assets. Specifically, an input field for text data and an input field for accepting input of data in any format such as image (still image, moving image) data and audio data can be provided. As a result, the customer can use any text that shows the customer's gratitude to the bereaved family, images of memories (still images, videos), voice data related to the voice that the bereaved family wants to leave, etc., not limited to inheritance of assets. You can enter will information.

In addition, the will information input screen displays a field for inputting information regarding the terminal device of the customer's inheritance heir. Specifically, the will information input screen displays a field for inputting an e-mail address assigned to the terminal device of the customer's inheritance heir. In this way, by accepting the input of the will information via the will information input screen for designating the heir for each item of the asset list 311 the customer performs the minimum input according to the display contents of the will information input screen. You can enter will information just by yourself. The customer can display the will information input screen at an arbitrary timing and input the will information at an arbitrary timing.

The customer's terminal device 120 is a will that associates the customer's identification information with the information input on the will information input screen when a predetermined input is made, such as when the "confirm" key is operated on the will information input screen. The information is generated, and the will information is transmitted directly to the asset management device 110 via a predetermined Web server. In the transmitted will information, the information input by the customer is associated with the information regarding the item of the asset. The customer can display the will information input screen at an arbitrary timing and input the will information at an arbitrary timing.

The URL and PIN used to display the will information input screen may be the same as the URL and PIN used to display the asset information input screen 410, or may be set separately. By setting the URL and PIN used to display the will information input screen and the URL and PIN used to display the asset information input screen 410 to be the same, the amount of information managed by the customer can be reduced and the burden of management can be reduced. Can be planned. On the other hand, by making the URL and PIN used for displaying the will information input screen different from the URL and PIN used for displaying the asset information input screen 410, it is possible to prevent the will information from being updated illegally and to suppress the will. It is possible to ensure the safety of the contents.

(Display example of will)
Next, a display example of the will will be described. FIG. 4B is an explanatory diagram showing a display example of the will. In FIG. 4B, the inheritance heir's terminal device 130 communicates with the asset management device 110 when receiving an input operation accompanied by input of a predetermined password, thereby causing the inheritance heir's terminal device 130. The will screen 420 is displayed on the displays 224 and 234 of the personal computer or smartphone to be realized.

The will screen 420 is created based on the will registered in the above-mentioned will database 320, and displays various wills based on the will information. The will screen 420 displays information about the customer's name and the date and time when the will was created. The will screen 420 may include a message based on text data entered by the customer, in addition to the inherited assets. Further, the will screen 420 may include special notes by the customer, such as "The content of the will has been notarized by a notary public on XX month XX day." The display format of the will screen 420 may be specified by the customer.

(Functional configuration of asset management device 110)
Next, the functional configuration of the asset management device 110 will be described. FIG. 5 is a block diagram showing a functional configuration of the asset management device 110. In FIG. 5, each function of the asset management device 110 includes an asset list database 310, a will database 320, an asset information input unit 501, a balance acquisition unit 502, an asset value acquisition unit 503, and a business partner acquisition unit 504. , Asset list creation unit 505, asset list registration unit 506, asset list transmission unit 507, will information input unit 508, will creation unit 509, will registration unit 510, and death information acquisition unit 511. , The password creation unit 512, the password transmission unit 513, and the transaction abolition processing unit 514.

The asset list database 310 and the will database 320 are provided, for example, in the memory 212 included in the computer device that realizes the asset management device 110. The storage device for storing the asset list database 310 and the will database 320 is not limited to the memory 212 integrally provided in the computer device that realizes the asset management device 110, and is provided separately from the asset management device 110. It may be a storage device. Further, the asset list database 310 and the will database 320 are not limited to those provided in a single storage device, and may be provided in different storage devices, for example.

The asset information input unit 501 accepts input of asset information regarding the customer's assets, including information regarding the customer's financial account. The asset information input unit 501 transmits the asset information generated in the customer's terminal device 120 based on the information input during the display of the above-mentioned asset information input screen 410 via a predetermined Web server or the customer's terminal device. By receiving directly from 120, the input of the asset information can be accepted. The function of the asset information input unit 501 can be realized by the CPU 211, the memory 212, the network I / F 213, and the like included in the computer device that realizes the asset management device 110.

The balance acquisition unit 502 searches for the financial account from the information about the financial account whose input is accepted by the asset information input unit 501, and acquires the balance of the financial account. The balance acquisition unit 502 searches for the corresponding financial account and acquires the balance of the financial account each time the asset information input unit 501 accepts the input of the asset information, for example.

Specifically, the balance acquisition unit 502 extracts information about the financial account from the asset information, for example, when the asset information input unit 501 accepts the input of the asset information. Next, the bank is identified based on the extracted information about the financial account, and the server of the identified bank is accessed. Then, the balance of the financial account can be obtained by acquiring the history of the corresponding financial account from the server of the accessed bank. In this case, the function of the balance acquisition unit 502 can be realized by the CPU 211, the memory 212, the network I / F 213, and the like included in the computer device that realizes the asset management device 110.

In the asset management system 100, by connecting the bank server and the asset management device 110 with a dedicated line, it is possible to prevent information leakage during communication related to the acquisition of the history of the financial account by the balance acquisition unit 502, and to suppress the leakage of the balance. It is possible to ensure the security of the acquisition of the history of the financial account by the acquisition unit 502.

In the asset management system 100, for example, the asset management device 110 may be realized by a computer device that realizes a server of a bank that manages deposits and savings of customers. In this case, the function of the balance acquisition unit 502 can be realized by the CPU 211, the memory 212, and the like included in the computer device that realizes the asset management device 110. By realizing the bank server and the asset management device 110 by the same computer device in this way, the communication related to the acquisition of the financial account history by the balance acquisition unit 502 becomes unnecessary, and the financial account history by the balance acquisition unit 502 is eliminated. It is possible to ensure the safety of the acquisition of.

The asset value acquisition unit 503 acquires information on the asset value of at least one of the real estate information and the securities information included in the asset information. For example, when the asset information received by the asset information input unit 501 includes real estate information, the asset value acquisition unit 503 identifies the real estate based on the real estate information. Then, by communicating with the server of the real estate company connected to the network 101, information on the asset value of the specified real estate is acquired.

Specifically, for example, when the specified real estate is land, the asset value acquisition unit 503 communicates with the comprehensive land information system managed by the Ministry of Land, Infrastructure, Transport and Tourism to relate to the asset value of the relevant real estate. Real estate transaction price information can be acquired, and the real estate transaction market price can be acquired as information on the asset value based on the acquired real estate transaction price information and the size of the corresponding land.

Specifically, for example, when the specified real estate is a building such as a house, the asset value acquisition unit 503 provides information disclosed on the WEB site of the real estate company established on the network 101 ( It is possible to acquire the market price estimated based on the price of the house in the relevant area, floor layout, building area, date of construction, etc., and to acquire the acquired market price as information on the asset value.

For example, when the asset information received by the asset information input unit 501 includes securities information, the asset value acquisition unit 503 uses a predetermined database via the network 101 as in the case where the real estate information is included. You can access the market price of the relevant securities to obtain the market price of the relevant securities, and obtain the acquired market price as information on the asset value.

The business partner acquisition unit 504 searches for the financial account from the information on the financial account whose input has been accepted by the asset information input unit 501, and acquires information on the business partner whose deposit / withdrawal processing has been performed on the financial account. .. The business partner acquisition unit 504 searches for the corresponding financial account every time the asset information input unit 501 accepts the input of the asset information, for example. When there are a plurality of financial accounts registered in the asset list 311 the business partner acquisition unit 504 searches for all the corresponding financial accounts.

Specifically, when the business partner acquisition department 504 acquires the history of the searched financial account, the deposit / withdrawal processing is performed regularly (every month, every three months, every year, etc.) from the acquired history. Identify the history of what is happening. Next, based on the identified history, the necessary database is searched and information about the business partner is acquired. For example, if the business partner specified from the history is "ka) ○ × Shinbunsha", search the WEB page and various databases opened on the network 101, and search for "stocks" corresponding to "ka) ○ × Shinbunsha". Acquire "Company ○ × Newspaper" as information about business partners.

In the asset management system 100, when the same bank manages the bank server and the asset management device 110, after specifying the history, before searching the WEB page or various databases opened on the network 101, The database of the bank's business partners held by the bank's server may be searched. As a result, the information about the business partner can be quickly acquired, and the reliability of the acquired information about the business partner can be ensured.

The business partner acquisition unit 504 may acquire information on the transaction amount in addition to the information on the business partner. In this case, the supplier acquisition unit 504 specifies, for example, the fixed amount as the transaction amount when a fixed amount is traded each time, and when a different amount is traded each time, the average amount of the transaction amount for a predetermined number of times is used. Obtained as information on the transaction amount.

If the business partner acquisition unit 504 cannot obtain information about the business partner even if it searches the WEB page or various databases opened on the network 101, the business partner acquisition unit 504 inputs preset text information such as "customer unknown". It may be acquired as information about a business partner. Alternatively, the business partner acquisition unit 504 has low reliability of the information about the business partner acquired as a result of searching the WEB page or various databases opened on the network 101 (for example, there are multiple companies with the same name). If it is determined that, in addition to the acquired information about the business partner (presumed), text information such as "confirmation of business partner" may be acquired as information about the business partner.

In addition, the business partner acquisition unit 504 searches for the financial account from the information on the financial account for which input is accepted by the asset information input unit 501, and obtains information on the transfer destination for the transfer made periodically from the financial account. You may get it. As a result, for example, when there are circumstances such as making a regular transfer to a relative, it is possible to specify that the transfer is being made and the transfer destination.

The asset list creation unit 505 creates the asset list 311 based on the asset information input received by the asset information input unit 501 and the balance of the financial account acquired by the balance acquisition unit 502. The asset list creation unit 505 creates an asset list 311 that classifies asset information input by a customer, such as financial account information, real estate information, and securities information, according to the type of asset.

The asset list creation unit 505 creates the asset list 311 and the asset list 312 based on the information on the asset value acquired by the asset value acquisition unit 503. Specifically, the asset list creation unit 505 creates, for example, an asset list 311 in which the balance of each financial account is associated with each account number. Specifically, the asset list creation unit 505 creates an asset list 311 including the transaction market price of each real estate and each securities.

The asset list creation unit 505 may calculate the difference in the previously created asset list 311 and include the difference in the asset list 311. The difference may be the difference in asset value or the difference in the asset itself. The difference in asset value is, for example, the difference (increase / decrease) in the balance of the same financial account in the latest asset list 311 created this time with respect to the balance of a certain financial account in the asset list 311 created last time, or the transaction of real estate or securities. It can be indicated by the difference (increase / decrease) in the market price.

In addition, the difference between the assets themselves can be indicated by, for example, an increase or decrease in the items of the assets. Specifically, the increase / decrease in the asset item is included in, for example, the assets added in the asset list 311 created this time and the asset list 311 created last time, which is not included in the asset list 311 created last time. It can be shown by identifying the deleted asset or the like from the created asset list 311. Asset items can be listed by asset type, for example, financial accounts, real estate, securities, and so on.

Specifically, each time the asset list creation unit 505 creates the asset list 311 it stores the information about the created asset list 311 in the storage unit in association with the information about the date and time of the creation. Then, each time the asset list 311 is created, the difference from the asset list 311 created last time (immediately before) is calculated based on the information about the creation date and time stored in the storage unit, and the asset including the calculated difference is calculated. Create Listing 311.

The asset list creation unit 505 may create the asset list 311 based on the information about the business partner acquired by the business partner acquisition unit 504. Specifically, the asset list creation unit 505 sets the amount of transactions that are regularly deposited and withdrawn to a financial account or the average amount of transactions for the past several times to an asset (negative in the case of withdrawal). You may create an asset list 311 to include as an asset).

In addition, the asset list creation unit 505 may create the asset list 312 based on the information about the business partner acquired by the business partner acquisition unit 504. Specifically, the asset list creation unit 505 includes deposits and withdrawals made periodically from the financial account based on, for example, information on the business partner acquired by the business partner acquisition unit 504 and information on the transaction amount. Information such as transaction items and amounts, and the type of the transaction can be acquired, and the asset list 312 can be created based on the acquired information. As a result, the asset list 312 can be created simply by having the customer input information about the financial account on the asset information input screen 410. As a result, it is possible to reduce the burden on the customer in managing the assets.

The asset list registration unit 506 registers the asset list 311 created by the asset list creation unit 505 for each customer. The asset list registration unit 506 registers the asset list 311 created by the asset list creation unit 505 in the asset list database 310 in the storage unit in association with the customer identification information input when the asset information input screen 410 is displayed. ..

The asset list transmission unit 507 transmits the asset list 311 registered in the asset list registration unit 506 to the terminal device 120 of the customer when the request from the customer is received. In the asset management system 100, when a customer performs a predetermined input operation on the terminal device 120 of the customer, the transmission request of the asset list 311 can be transmitted to the asset management device 110.

When the asset list transmission unit 507 receives the transmission request of the asset list 311, the asset list transmission unit 507 transmits the asset list 311 registered in the asset list registration unit 506 to the customer terminal device 120 that is the transmission source of the transmission request. To do. As a result, the customer can confirm the contents of the asset list 311 at any time.

Alternatively, the asset list transmission unit 507 may transmit the asset list 311 registered in the asset list registration unit 506 to the corresponding customer terminal device 120 at a predetermined timing. Specifically, the asset list transmission unit 507 corresponds to the asset list 311 registered in the asset list registration unit 506 at the timing when the input of the asset information corresponding to the input operation to the customer's terminal device 120 is received, for example. It is transmitted to the terminal device 120 of the customer.

Specifically, the asset list transmission unit 507 may, for example, set a timing when the month changes, a timing when a predetermined date arrives, a timing when a predetermined period has elapsed since the last update of the asset list 311 and the like. The asset list 311 registered in the asset list registration unit 506 may be transmitted to the terminal device 120 of the corresponding customer. As a result, the customer can appropriately confirm the contents of the asset list 311 at the timing of receiving the asset list 311 without being particularly conscious of the confirmation timing.

The will information input unit 508 accepts the input of the customer's will information. As described above, the customer's will information is information that specifies the distribution content of the assets included in the asset list 311 and can be arbitrarily input by the customer. The customer's will information shall be realized, for example, by the heirs (heritage heirs) of each asset included in the asset list 311 and the information that specifies the inheritance ratio of each heir when there are multiple heirs. Can be done.

The will information input unit 508 outputs the will information generated in the customer's terminal device 120 based on the information input during the display of the will information input screen via a predetermined Web server or directly from the customer's terminal device 120. By receiving, the input of the will information can be accepted. In addition, the will information input unit 508 accepts input of information regarding the terminal device 130 of the inheritance heir of the customer (such as the e-mail address of the terminal device 130 of the inheritance heir). The function of the will information input unit 508 can be realized by the CPU 211, the memory 212, the network I / F 213, and the like included in the computer device that realizes the asset management device 110.

In addition, the will information input unit 508 can accept input of update information of the customer's will information. Specifically, in the operation of the asset management system 100, when the customer wants to update the contents of the will, the will information input screen is displayed on the customer's terminal device 120 in the same manner as when the will information input screen is first displayed. Is displayed. When the asset management system 100 has already accepted the input of the will information and then displays the will information input screen again, the will information input screen including the already input will information is displayed. Then, when updating the content of the will, the customer inputs the updated information of the customer's will information in the same manner as when the will information input screen is first displayed.

The input update information of the customer's will information is input from the customer's terminal device 120 via the Web server when a predetermined input is made, such as when the "confirm" key is operated on the customer's terminal device 120. Alternatively, it is transmitted directly from the customer's terminal device 120 to the asset management device 110. The will information input unit 508 can accept the input by receiving the updated will information via the Web server or directly from the customer's terminal device 120. By making it possible to update the will information in this way, the customer can update the heir or the inheritance ratio for each item of the asset list 311 at an arbitrary timing.

The balance of financial accounts and the value of real estate and securities change daily. For this reason, at some point, all the balances in the financial account of the assets included in the asset list 311 are inherited to the eldest son, and all real estate is inherited to the second son so that the customers are inherited equally to each person. Even if it is determined as above, if only the balance of the financial account or only the value of real estate or securities fluctuates significantly, it is assumed that fairness will be lost.

Alternatively, it is assumed that the customer's thinking changes and he / she wants to change the inheritance content. In the asset management system 100 of this embodiment, the customer confirms the latest asset value by guiding the item of the asset together with the content of the asset and inputting the heritage information on the heritage information input screen. At the same time, the inheritance can be distributed.

The will writing unit 509 prepares a will 321 based on the will information received by the will information input unit 508 and the customer's asset list 311. When the updated information of the will information is received, the will writing unit 509 prepares the will 321 based on the updated information of the will information.

Specifically, for example, when the information on the financial account is associated with the information indicating the "eldest son" and the real estate information is associated with the information indicating the "second son" among the assets included in the asset list 311 Of the assets included in the asset list 311, all the balances in the financial account will be inherited by the eldest son, and all the real estate will be inherited by the second son. "

According to the will information received by the will information input unit 508 and the contents of the customer's asset list 311, the will writing unit 509 "among the assets included in the asset list 311, 50 of the balance in the financial account. A will 321 may be prepared including a statement such as "inherit% to the eldest son and inherit the remaining 50% to the second son."

The will registration unit 510 registers the will 321 created by the will preparation unit 509 in the will database 320 in the storage unit. The assets included in the will 321 registered in the will database 320 by the will registration unit 510 are associated with the asset item and the asset content in the asset list 311 specified based on the customer's identification information.

The will registration unit 510 registers the will 321 created by the will preparation unit 509 in the will database 320 in association with the date and time when the will 321 was created. If the will 321 created by the will creation unit 509 is created based on the updated information of the will information, the will registration unit 510 discards the previously created will and of the will information. The will 321 created based on the updated information is registered in the will database 320. The will registration unit 510 may accumulate and store the wills 321 before the previous time each time it is updated, without destroying the wills 321 created last time.

The death information acquisition unit 511 acquires death information regarding the death of the customer. The death information acquisition unit 511 acquires, for example, the death information regarding the death of the customer, which is input by the operator of the asset management system 100 or the bereaved family of the customer. In addition, when operating the asset management system 100, the death information acquisition unit 511 can access the database of the government office or the database of the hospital, for example, by forming a tie-up with the government office or the hospital in advance. May be obtained.

The password creation unit 512 creates a password for acquiring the will of the customer registered in the will registration unit 510 based on the death information acquired by the death information acquisition unit 511. The password creation unit 512 generates a password for each deceased customer, for example, regardless of the number of inheritance heirs. Alternatively, the password creation unit 512 may create passwords for the number of inheritance heirs, for example. The asset management device 110 stores the password created by the password creation unit 512 in association with the will (customer identification information).

The password transmission unit 513 transmits the password created by the password creation unit 512 to the terminal device of the inheritance heir of the customer registered in advance. When the password creator 512 generates a password for each deceased customer, the same password is sent to all heritage heirs, regardless of the number of heritage heirs. When the password creation unit 512 creates passwords for the number of inheritance heirs, different passwords are sent to each inheritance heir.

The transaction abolition processing unit 514 transmits information regarding a transaction abolition request from a business partner to the business partner based on the death information acquired by the death information acquisition unit 511. The transaction abolition processing unit 514 sends, for example, a message to the business partner indicating that the customer will not carry out further transactions due to the death of the customer as information regarding the transaction abolition request from the business partner. As described above, the business partner can be identified by searching the WEB page and various databases opened on the network 101, or searching the database of the bank's business partner provided by the bank. ..

(Processing procedure of asset management device 110)
Next, the processing procedure of the asset management device 110 will be described. 6A to 6D are flowcharts showing a processing procedure of the asset management device 110. In the flowchart of FIG. 6A, first, it waits until the input of the asset information is accepted (step S601: No). When the input of the asset information is accepted (step S601: Yes), the information related to the financial account is extracted from the accepted asset information (step S602).

Next, the balance of the financial account specified based on the extracted information about the financial account is acquired (step S603). In step S603, the bank where the financial account is opened is specified from the information about the financial account, and the server of the specified bank is accessed to acquire the history of the corresponding financial account, based on the history. You can get the balance of your financial account.

In addition, from the history of the corresponding financial account acquired by accessing the server of the specified bank, information on the business partner whose deposit / withdrawal processing has been performed on the financial account is acquired (step S604).

Next, it is determined whether or not the asset information received in step S601: Yes includes real estate information (step S605). When the real estate information is included (step S605: Yes), the process proceeds to step S607. When the real estate information is not included (step S605: No), it is determined whether or not the asset information received in step S601: Yes includes securities information (step S606). When the securities information is included (step S606: Yes), the process proceeds to step S607. If the securities information is not included (step S606: No), the process proceeds to step S608.

Step S601: When the asset information received in Yes includes real estate information or securities information, information on the asset value is acquired based on the real estate information or securities information (step S607). As described above, information on the asset value of real estate and securities can be obtained based on the market price obtained by accessing a predetermined database via the network 101.

Next, with reference to the asset list database 310, it is determined whether or not there is the previous asset list 311 or asset list 312 for the corresponding customer (step S608). If there is no previous asset list 311 (step S608: No), the process proceeds to step S610. If there is a previous asset list 311 or asset list 312 (step S608: Yes), the difference from the previous asset list 311 or asset list 312 is calculated (step S609). In step S609, for example, as described above, the difference (increase / decrease) in the balance of the same financial account with respect to the balance of the financial account in the asset list 311 created last time is calculated.

Next, based on the asset information input received in step S601: Yes, the balance of the financial account acquired in step S603, the information on the asset value acquired in step S607, the difference calculated in step S609, and the like, the latest The asset list 311 and the asset list 312 are created (step S610). After that, the created asset list 311 and asset list 312 are registered in the asset list database 310 (step S611), and a series of processes is completed.

In the flowchart of FIG. 6B, first, it is determined whether or not the transmission timing of the asset list 311 and the asset list 312 has arrived (step S612). When the transmission timing of the asset list 311 or the asset list 312 has not arrived (step S612: No), it is determined whether or not the transmission request of the asset list 311 or the asset list 312 has been accepted from the customer terminal device 120 (step S613). ). When the transmission request of the asset list 311 or the asset list 312 is not received from the customer terminal device 120 (step S613: No), the process returns to step S612.

When the transmission timing of the asset list 311 or the asset list 312 has arrived (step S612: Yes), or when the transmission request of the asset list 311 or the asset list 312 is received (step S613: Yes), the terminal device of the corresponding customer. The asset list 311 and the asset list 312 of the customer are transmitted to the 120 (step S614), and the series of processes is completed.

In the flowchart of FIG. 6C, first, it is determined whether or not the input of the will information is accepted (step S621). When the input of the will information is accepted (step S621: Yes), a will is created based on the accepted will information (step S622), and the created will is registered in the will database 320 (step S623). Ends a series of processes.

On the other hand, in step S621, when the input of the will information is not accepted (step S621: No), it is determined whether or not the input of the update information of the will information is accepted (step S624). If the input of the update information of the will information is not accepted (step S624: No), the process returns to step S621.

When the input of the updated information of the will information is accepted in step S624 (step S624: Yes), the corresponding will is extracted from the will database 320 based on the updated information of the will information (step S625), and the said Update the will information The will is updated based on the updated information (step S626). After that, the updated will is registered in the will database 320 (step S623), and a series of processes is completed.

In the flowchart of FIG. 6D, first, the patient waits until the death information is acquired (step S631: No). When the death information is acquired (step S631: Yes), the identification information of the corresponding customer is specified based on the acquired death information (step S632). In step S632, for example, customer identification information matching the name of the dead person included in the death information is specified.

Next, the will to the customer is specified based on the identification information of the specified customer (step S633). Then, a password for viewing the specified will is created (step S634). In addition, the terminal device of the inheritance heir is specified (step S635).

Next, a password notification mail for notifying the inheritance heir specified in step S635 of the password generated in step S634 is generated (step S636), and the generated password is generated for the terminal device of the specified inheritance heir. A notification email is sent (step S637), and a series of processes is completed.

As described above, when the asset management device 110 of the embodiment according to the present invention receives the input of the asset information, the asset management device 110 acquires the balance of the corresponding financial account and lists the assets based on the acquired balance of the financial account. Create 311 and asset list 312. Then, the created asset list 311 is registered in the asset list database 310, and the asset list 311 and the asset list 312 are transmitted to the customer's terminal device at the request of the customer or at a predetermined timing. It is a feature.

As a result, the customer can create an asset list 311 and an asset list 312 including the balance of the financial account and confirm the created asset list 311 simply by inputting the asset information including the information about the financial account. Therefore, it is possible to reduce the burden on the customer for managing assets.

Further, the asset management device 110 of the embodiment according to the present invention acquires information on the asset value of at least one of the real estate information and the securities information included in the asset information, and is based on the acquired information on the asset value. It is characterized in that the asset list 311 and the asset list 312 are created.

As a result, if the asset information includes at least one of real estate information and securities information, an asset list 311 that includes the asset value of at least one of the relevant real estate and securities in addition to the balance of the financial account is created. Since you can check the created asset list 311 and asset list 312, even if you have multiple types of assets such as financial account balances, real estate and securities, regardless of the asset type, the assets It is possible to reduce the burden on the customer for the management of.

Further, the asset management device 110 of the embodiment according to the present invention calculates the difference in the asset list 311 and the asset list 312 created last time, and includes the difference in the asset list 311 and the asset list 312. It is a feature. The asset management device 110 includes the difference between the list items and the difference in the amount (value) of each list.

As a result, the customer can grasp the difference from the previously created asset list 311 and asset list 312 simply by inputting the latest asset information, so that the customer's burden on asset management can be reduced. Can be done.

Further, when the asset management device 110 of the embodiment according to the present invention receives the input of the customer's will information, the asset management device 110 creates and creates a will based on the will information and the customer's will list 311 and asset list 312. It is characterized by registering the wills that have been made.

As a result, by leaving a will created based on the asset list 311 and the asset list 312, it is possible to reduce the burden on the bereaved family regarding the disposal of the assets after the death of the customer. That is, since the assets can be easily grasped by disclosing the asset information based on the asset list 311 and the asset list 312, it is possible to eliminate the burden of identifying the assets by the bereaved family. Further, by predetermining the inheritance heirs who inherit the assets after the death of the customer based on the asset list 311 and the asset list 312, the inheritance can be smoothly performed.

Further, when the asset management device 110 of the embodiment according to the present invention receives the input of the updated information of the will information of the customer, the corresponding will is extracted from the will database 320, and the updated information of the will information and the customer The will is updated based on the asset list 311 and the asset list 312 of the above, and the updated will is registered in the will database 320.

As a result, the customer can update the will at any time after the will is created, for example, when the value of the asset fluctuates or the heir of the inheritance fluctuates. By making it possible to update the will at any time in this way, the customer can calmly create the will and prepare for a sudden unexpected situation.

Further, the asset management device 110 of the embodiment according to the present invention acquires death information regarding the death of the customer, and based on the acquired death information, obtains the will of the customer registered in the will database 320. The feature is that a password for acquisition is created and the created password is sent to the terminal device of the inherited heir of the customer registered in advance.

As a result, the inheritance heir can check the contents of the will only when the customer dies, so that a person who may inherit the inheritance may disagree with the contents of the will while the customer is alive. This can prevent confusion.

Further, the asset management device 110 of the embodiment according to the present invention searches for the financial account from the information about the financial account for which input has been accepted, and information about the business partner whose deposit / withdrawal processing has been performed on the financial account. Is acquired, and the asset list 311 and the asset list 312 are created based on the acquired information on the withdrawal destination.

As a result, it is possible to grasp the amount of money to be transferred or withdrawn to the customer's financial account, predict the fluctuation of the balance of the financial account, and take into account such fluctuation of the balance of the financial account. You can grasp the assets. In addition, by determining the inheritance heir in consideration of such fluctuations in the balance of the financial account, it is possible to reduce the burden on the bereaved family in disposing of the assets after the death of the customer, and to smoothly inherit the inheritance.

Further, the asset management device 110 of the embodiment according to the present invention acquires death information regarding the death of a customer, and transmits information regarding a withdrawal abolition request from the withdrawal destination to the withdrawal destination based on the acquired death information. It is characterized by doing so.

As a result, it is possible to eliminate the procedure for abolishing the transaction due to the death of the customer, so that the burden on the procedure for the bereaved family due to the death of the customer can be reduced.

As described above, according to the asset management system 100 and the asset management device 110 of the embodiment according to the present invention, when the customer suddenly encounters an unexpected situation such as a sudden heart attack or a sudden accident. In preparation for this, it is possible to grasp the assets while in a healthy state (both physically and mentally) and to determine the inheritance contents of the assets.

Then, according to the asset management system 100 and the asset management device 110 of the embodiment according to the present invention, each asset in the asset list 311 and the asset list 312 is based on the transaction market price at the time of creating the asset list 311 and the asset list 312. Can guide the value of. Since the asset value fluctuates with changes in the social situation and environment over time, it is preferable to recreate the will every time the asset value fluctuates, but on the other hand, the appropriate asset value of the fluctuating asset It is complicated to grasp each time a will is created, which imposes a burden on the customer.

On the other hand, according to the asset management system 100 and the asset management device 110 of the embodiment according to the present invention, the customer dynamically updates the asset list 311 and the asset list 312 as appropriate without imposing a heavy burden. Each time, the appropriate value of each asset at the time of the renewal can be grasped.

Further, according to the asset management system 100 and the asset management device 110 of the embodiment according to the present invention, it is possible to create a will with the contents of the asset list 311 and the asset list 312 added. Since the will is related to the items (assets) in the asset list 311 and the asset list 312, the customer can create a will according to the value of the asset without being forced to bear a heavy burden.

Further, according to the asset management system 100 and the asset management device 110 of the embodiment according to the present invention, the will can be easily updated, so that the customer is satisfied with changes in the environment surrounding him / herself. You can create a will as many times as you like.

As described above, according to the asset management system 100 and the asset management device 110 of the embodiment according to the present invention, the customer can grasp the asset item and the appropriate asset value without imposing a heavy burden on the asset management. It is possible to create a will written based on the appropriate asset value, which allows the customer to be in a so-called "no worries if prepared" state and spend the rest of his life with peace of mind. ..

The asset management method described in this embodiment can be realized by executing a program prepared in advance on a computer such as a personal computer or a workstation. This program is executed by being recorded on a recording medium that is readable by a computer and is read from the recording medium by a computer, such as a hard disk, a flash memory, or various other known recording media. Further, this program may be a transmission medium that can be distributed via a network such as the Internet.

As described above, the asset management device, the asset management method, and the asset management program according to the present invention are useful for the asset management device, the asset management method, and the asset management program that support individual asset management, and in particular, the inheritance of assets. Suitable for asset management equipment, asset management methods and asset management programs that support asset management along with wills, including.

100 Asset management system 110 Asset management equipment 120 Customer terminal equipment 130 Heritage heir terminal equipment 310 Asset list database 320 Will database 501 Asset information input unit 502 Balance acquisition department 503 Asset value acquisition department 504 Customer acquisition department 505 Asset list Creation Department 506 Asset List Registration Department 507 Asset List Transmission Department 508 Will Information Input Department 509 Will Creation Department 510 Wills Registration Department 511 Death Information Acquisition Department 512 Password Creation Department 513 Password Transmission Department 514 Transaction Abolition Processing Department

Claims (9)

An asset information input unit that accepts input of asset information about the customer's assets, including information about the customer's financial account,
A balance acquisition unit that searches for the financial account from the information about the financial account that has been input by the asset information input unit and acquires the balance of the financial account.
The financial account is searched from the information about the financial account received by the asset information input unit, the history of the financial account is acquired, and the history of periodic deposit / withdrawal processing from the acquired history. Is identified, and based on the identified history, the database of the financial institution's business partners held by the financial institution's server is searched, and information on the business partners whose deposits and withdrawals have been processed for the financial account is acquired. With the supplier acquisition department,
Asset information input by the asset information input unit is accepted, asset list to create an asset list based on the balance and the information about the withdrawal destination acquired by the suppliers acquisition of the financial accounts acquired by the balance acquisition unit With the creator
An asset list registration unit that registers the asset list created by the asset list creation unit for each customer,
An asset list transmission unit that transmits an asset list registered in the asset list registration unit to the terminal device of the customer at a request from the customer or at a predetermined timing.
An asset management device characterized by being equipped with. The death information acquisition department that acquires death information related to the death of the customer,
Based on the death information acquired by the death information acquisition department, the transaction abolition processing department that transmits information on the transaction abolition request from the business partner to the business partner, and
The asset management device according to claim 1, wherein the asset management device is provided. The will information input unit that accepts the input of the customer's will information,
A will writing unit that creates a will based on the will information received by the will information input unit and the customer's asset list, and
The will registration department that registers the wills created by the will preparation department,
With
The asset list transmission unit transmits the asset list registered by the asset list registration unit and the will registered by the will registration unit to the terminal device of the customer at the request of the customer or at a predetermined timing. And
The asset according to claim 1 or 2, wherein the will information includes information for designating the inheritance ratio of each heir when there are a plurality of heirs of each asset included in the asset list. Management device. The will information input unit accepts input of update information of the customer's will information,
The will writing unit extracts the corresponding will from the will registration unit, and prepares the will based on the updated information of the will information received by the will information input unit and the asset list of the customer. Updated,
The asset management device according to claim 3, wherein the will registration unit registers a will updated by the will preparation unit . The death information acquisition department that acquires death information related to the death of the customer,
A password creation unit that creates a password for acquiring the will of the customer registered in the will registration unit based on the death information acquired by the death information acquisition unit.
A password transmission unit that transmits the password created by the password creation unit to the terminal device of the customer's inheritance heir registered in advance, and a password transmission unit.
The asset management device according to claim 3 or 4, wherein the asset management device is provided. Further, it is provided with an asset value acquisition unit that acquires information on the asset value of at least one of the real estate information and the securities information included in the asset information.
The asset management device according to any one of claims 1 to 5, wherein the asset list creation unit creates an asset list based on information on the asset value acquired by the asset value acquisition unit. The asset management device according to any one of claims 1 to 6, wherein the asset list creation unit calculates a difference in the previously created asset list and includes the difference in the asset list . An asset information input process that accepts input of asset information about the customer's assets, including information about the customer's financial account,
The balance acquisition process of searching for the financial account from the information about the financial account for which input was accepted in the asset information input process and acquiring the balance of the financial account,
The financial account is searched from the information about the financial account for which input is accepted in the asset information input process, the history of the financial account is acquired, and the history of periodic deposit / withdrawal processing from the acquired history. Is identified, and based on the identified history, the database of the financial institution's business partners held by the financial institution's server is searched, and information on the business partners whose deposits and withdrawals have been processed for the financial account is acquired. Business partner acquisition process and
An asset list that creates an asset list based on the asset information input received in the asset information input process, the balance of the financial account acquired in the balance acquisition process, and the withdrawal destination acquired in the customer acquisition process. Creation process and
An asset list registration process for registering the asset list created in the asset list creation process for each customer in the asset list registration unit, and
An asset list transmission step of transmitting the asset list registered in the asset list registration process to the terminal device of the customer at a request from the customer or at a predetermined timing.
An asset management method characterized by a computer performing. On the computer
An asset information input process that accepts input of asset information about the customer's assets, including information about the customer's financial account,
The balance acquisition process of searching for the financial account from the information about the financial account for which input was accepted in the asset information input process and acquiring the balance of the financial account,
The financial account is searched from the information about the financial account for which input is accepted in the asset information input process, the history of the financial account is acquired, and the history of periodic deposit / withdrawal processing from the acquired history. Is identified, and based on the identified history, the database of the financial institution's business partners held by the financial institution's server is searched, and information on the business partners whose deposits and withdrawals have been processed for the financial account is acquired. Business partner acquisition process and
An asset list that creates an asset list based on the asset information input received in the asset information input process, the balance of the financial account acquired in the balance acquisition process, and the withdrawal destination acquired in the customer acquisition process. Creation process and
An asset list registration process for registering the asset list created in the asset list creation process for each customer in the asset list registration unit, and
An asset list transmission step of transmitting the asset list registered in the asset list registration process to the terminal device of the customer at a request from the customer or at a predetermined timing.
An asset management program characterized by running.

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