JP6899616B1 - Information processing equipment and programs - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an information processing device and a program capable of grasping an asset management amount suitable for oneself even by a user who is unfamiliar with asset management. According to one aspect of the present invention, the information processing device includes an asset information acquisition unit, a prediction unit, and an image generation unit, and the asset information acquisition unit acquires asset information related to a user's assets. The prediction unit is configured to be capable of executing a prediction process for predicting the asset amount of the user at a predetermined time point, and the image generation unit can generate a first image and a second image. The first image is an image including the asset amount predicted by the prediction unit and includes the asset amount at the specific time point, and the second image is an image in which the asset management amount can be provisionally set. There is provided an information processing apparatus in which the first image can be changed according to the asset management amount temporarily set based on the second image. [Selection diagram] Fig. 1

Description

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

Money management is important for future preparation and daily life.

Patent Document 1 discloses an electronic passbook that collectively displays and manages not only past deposits and withdrawals but also short-term and long-term expenditure and deposit schedules.

Japanese Unexamined Patent Publication No. 2015-125531

By the way, it is thought that the number of people who are interested in asset management has been increasing in recent years. In order to meet such demands, services are provided in which users are asked to answer multiple questions, user attributes are estimated from the question results, and life planning and recommended financial products are presented. However, for users with low financial literacy, the question content may not be well understood or the question itself may feel complicated. And it is difficult for a user who is unfamiliar with asset management to judge how much money should actually be managed.

The present invention has been made in view of such circumstances, and an object of the present invention is to provide an information processing device and a program capable of grasping an asset management amount suitable for oneself even by a user who is unfamiliar with asset management. ..

According to one aspect of the present invention, the information processing apparatus includes an asset information acquisition unit, a prediction unit, and an image generation unit, and the asset information acquisition unit is configured to be able to acquire asset information related to the user's assets. The prediction unit is configured to be able to execute a prediction process for predicting the asset amount of the user at a predetermined time point, and the image generation unit is configured to be able to generate a first image and a second image. The first image is an image of the asset amount predicted by the prediction unit and includes the asset amount at the specific time point, and the second image is an image in which the asset management amount can be provisionally set. 2. An information processing device is provided in which the first image can be changed according to the asset management amount temporarily set based on the two images.

According to one aspect of the present invention, the amount predicted as the user's asset amount at a predetermined time point changes according to the provisionally set asset management amount. This allows the user to intuitively understand how much money he or she prefers to invest in asset management.

It is the schematic of the system 100 including the information processing apparatus 1 which concerns on one Embodiment of this invention. It is a figure which shows the hardware configuration of the information processing apparatus 1. It is a functional block diagram of the control unit 10. This is an example of a screen displayed on the display unit 35 of the user terminal 3. It is an example of the screen when the retirement age is changed from the state of FIG. This is an example of a screen displayed on the display unit 35 of the user terminal 3. This is an example of a screen displayed on the display unit 35 of the user terminal 3. This is an example of a screen displayed on the display unit 35 of the user terminal 3. This is an example of the presented information. It is a figure which shows an example of hobby data. It is an activity diagram which shows an example of the processing of the information processing apparatus 1.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. The various features shown in the embodiments shown below can be combined with each other.

As used herein, the term "part" may include, for example, a combination of hardware resources implemented by circuits in a broad sense and information processing of software that can be specifically realized by these hardware resources. Further, in the present embodiment, various information is handled, and these information are represented by high and low signal values as a bit set of binary numbers composed of 0 or 1, and communication / calculation is executed on a circuit in a broad sense. Can be done.

A circuit in a broad sense is a circuit realized by at least appropriately combining a circuit, a circuit, a processor, a memory, and the like. That is, an integrated circuit for a specific application (Application Special Integrated Circuit: ASIC), a programmable logic device (for example, a simple programmable logic device (Simple Programmable Logical Device: SPLD), a composite programmable logic device (Complex Programg)). It includes a programmable gate array (Field Programmable Gate Array: FPGA) and the like.

1. 1. Outline of System 100 As shown in FIG. 1, the system 100 according to an embodiment of the present invention includes an information processing device 1 and a user terminal 3. In this embodiment, the system 100 further includes a database 2. Then, the information processing device 1, the database 2, and the user terminal 3 are connected to each other via the network NW. The information processing device 1 is composed of, for example, a server. The database 2 is composed of arbitrary hardware and stores asset information related to the assets of the user of the user terminal 3. The asset information includes information on the amount of assets, the amount of investment, the start of investment, income, expenditure, real estate income, financial products, and the like. In addition, the asset information may include account information regarding the user's bank account or virtual account. Account information includes information regarding the balance of bank accounts or virtual accounts or deposits and withdrawals.

The database 2 is operated by a bank, a securities company, another financial institution, an IT company, or the like, and is configured to be capable of transmitting and receiving various data to and from the information processing device 1 via an API (Application Programming Interface).

The user terminal 3 is a terminal used by the user and is composed of an arbitrary computer. For example, it is composed of multifunctional terminals such as smartphones, tablet terminals, smart watches, notebook PCs, desktop PCs, and multifunctional music players. The user terminal 3 may have a dedicated application that can use the service provided by the information processing device 1 installed, and when the service is provided as a browser application, the shortcut registration that can use the browser application is completed. You may be. Further, the user terminal 3 includes a display unit 35. The display unit 35 displays text and images (including still images and moving images), and is composed of an arbitrary display.

2. Hardware Configuration of Information Processing Device 1 As shown in FIG. 2, the information processing device 1 includes a control unit 10, a communication unit 20, a storage unit 30, an input unit 40, and a display unit 50.
The control unit 10 is a CPU (Central Processing Unit) or the like, and controls the entire information processing device 1.
The communication unit 20 is a NIC (Network Interface Card) or the like, and is configured to be capable of data communication with other information processing devices or components by wire or wirelessly.
The storage unit 30 stores various programs and data, and is composed of, for example, a memory, an HDD (Hard Disk Drive), a ROM (Read Only Memory), a RAM (Random Access Memory), and the like. In addition, the storage unit 30 stores programs, various data, and the like. Then, various functions are realized by the control unit 10 executing various processes based on the program stored in the storage unit 30.
The input unit 40 inputs various information to the information processing device 1, and is composed of a mouse, a keyboard, a pointing device, and the like.
The display unit 50 displays text and images (including still images and moving images), and is composed of an arbitrary display. When the information processing device 1 is a server, the display unit 50 is composed of a display connected to the information processing device 1.

3. 3. Functions of information processing device 1 As shown in FIG. 3, the control unit 10 of the information processing device 1 includes the information processing device 1, the asset information acquisition unit 11, the prediction unit 12, the image generation unit 13, the account information acquisition unit 14, and the settings. A unit 15, a reception unit 16, a selection unit 17, and a presentation unit 18 are provided.

(Asset Information Acquisition Department 11)
The asset information acquisition unit 11 is configured so that the asset information information acquisition unit can acquire asset information related to the user's assets. The asset information may include account information about the user's bank account or virtual account. Account information includes information regarding bank account or virtual account balances or deposits and withdrawals. A bank account is one or more bank accounts used by the user. In addition, a virtual account is a virtual account in which electronic money equivalent to salary is charged when income such as salary of a user (hereinafter, simply referred to as salary) is transferred by electronic money, and is used for electronic money transfer of salary. It is composed of corresponding applications. The information regarding these deposits and withdrawals includes the amount, timing, items (eg, salary, bonus, gift) of deposits and withdrawals from a bank account or a virtual account. Here, the asset information and the account information can be obtained from the database 2. In addition, as asset information, information on relatively highly liquid assets such as account deposits, time deposits, and foreign currency deposits may be acquired.

(Prediction unit 12)
The prediction unit 12 is configured to be able to execute a prediction process for predicting the amount of assets of the user at a predetermined time point. A predetermined time point is a future time point that is arbitrarily selected by the user. For example, assuming that the retirement age of work or oneself will live up to 100 years old, the retirement age or the year, month, and day of becoming 100 years old will be a predetermined time. The forecasting process is executed based on the above-mentioned asset information or account information. In addition to information on changes in the market, changes in the external environment, changes in society, changes in the environment, etc., changes in the asset value of other persons whose attributes are close to those of the user to be predicted may be considered. .. The prediction unit 12 may be realized by a trained machine learning engine that has learned such information.

(Image generation unit 13)
(1) First image I1 and second image I2
The image generation unit 13 is configured to be able to generate the first image I1 and the second image I2. The first image I1 is an image that includes the asset amount predicted by the prediction unit 12 and includes the asset amount at a specific time point. In the present embodiment, the first image I1 includes the current asset amount and the asset amount at a specific time in the future, and represents the time course of the asset amount. The second image I2 is an image in which the asset management amount can be provisionally set. The asset management amount is selected by the user, and an arbitrary asset management amount is temporarily set for simulating the asset management amount. Then, when the asset management is actually started, the asset management amount is formally determined. Here, the provisional setting of the asset management amount is realized by an arbitrary image. The second image I2 is configured as, for example, a slider, a plus icon / minus icon, a text input, and an icon for voice input. Then, when the user operates the second image I2 displayed on the display unit 35 of the user terminal 3, the asset management amount is temporarily set. Here, it is preferable that the first image I1 and the second image I2 are displayed on the same screen in the state of being displayed on the display unit 35 of the user terminal 3.

Further, the image generation unit 13 is configured to be able to change the first image I1 according to the asset management amount temporarily set based on the second image I2. For example, when the temporarily set asset management amount is high and it is estimated that the profit to be obtained in the future will be large, the first image I1 when the temporarily set asset management amount is 0 and the provisionally set The shape of the first image I1 will be different when the amount of asset management is high. Here, when the first image I1 and the second image I2 are displayed on the same screen in the state of being displayed on the display unit 35 of the user terminal 3, the asset management amount temporarily set by the second image I2 is set. When it is changed, it becomes possible to confirm the change of the first image I1 as well.

When the asset management amount is provisionally set based on the second image I2, the prediction unit 12 may execute the prediction process based on the temporarily set asset management amount. As a result, the prediction process is executed every time the user temporarily sets a plurality of amounts as the asset management amount, so that the re-forecast result of the asset at a predetermined time in the future can be quickly grasped.

(2) Third image I3
Further, the image generation unit 13 is configured to be able to generate the third image I3. The third image I3 is an image including an ideal amount. Here, the ideal amount is an asset at a specific time point from the present to a predetermined time point, and is a predetermined amount. For example, assuming that you live up to 100 years old, the ideal amount of assets is "you can live from now to 100 years old without any inconvenience if you have this amount of money." Since the ideal amount differs depending on the user's lifestyle, living place, etc., it is preferable to use the ideal amount that reflects the individual attributes of the user. On the other hand, based on the results of a household survey or the like, the ideal amount may be determined based on the average asset amount of the same generation as the user.

Then, the image generation unit 13 generates the first image I1 and the third image I3 so that the first image I1 and the third image I3 are displayed on the same screen on the display unit 35 of the user terminal 3. Thereby, the first image I1 including the predicted amount and the third image I3 including the ideal amount can be confirmed together. By comparing the first image I1 and the third image I3, the user can easily grasp whether or not the secular change of his / her own assets in the current situation has reached the ideal amount.

Here, even if the image generation unit 13 is configured to be able to generate a third image capable of accepting an input operation by the user when the user's account balance exceeds the predetermined reference line for a predetermined period. Good. Specifically, a third image that allows the provisional setting of the asset management amount may be generated only when the user holds the minimum amount of assets to start the asset management. This makes it possible to prevent reckless asset management by users who should not start asset management.

(3) Fourth image I4
Further, the image generation unit 13 is configured to be able to generate the fourth image I4. The fourth image I4 is an image in which the saving amount to be saved by the user can be set in a predetermined period. For example, it sets a target amount of savings per month, and is configured as a slider, a plus icon / minus icon, a text input, and an icon for voice input. The image generation unit 13 generates the second image I2 and the fourth image I4 so that the second image I2 and the fourth image I4 are displayed on the same screen on the display unit 35 of the user terminal 3. As a result, the second image I2 showing the asset management amount and the fourth image I4 showing the saving amount can be confirmed together. Here, in addition to the second image I2 and the fourth image I4, it is preferable to display the first image I1 together. Further, in addition to these, it is preferable to display the third image I3 together.

(4) Fifth image I5
The image generation unit 13 is configured to be able to generate a fifth image. The fifth image is an image in which the retirement age can be set. Retirement age is the age at which a user is expected to retire from work and lose or lose regular income. The image generation unit 13 generates the first image and the fifth image so that the first image and the fifth image are displayed on the same screen on the display unit 35 of the user terminal 3. When the retirement age is set based on the fifth image, the prediction unit 12 may execute the prediction process based on the set retirement age. As a result, the prediction process is executed every time the user sets a plurality of ages as retirement age candidates as retirement age candidates, so that the asset re-forecast result at a predetermined time in the future can be quickly grasped. ..

(Account Information Acquisition Department 14)
The account information acquisition unit 14 is configured to be able to acquire account information. As mentioned above, account information includes information regarding bank account or virtual account balances or deposits and withdrawals.

(Setting unit 15)
The setting unit 15 is configured to be able to set an upper limit of the asset management amount that can be provisionally set based on the account information acquired by the account information acquisition unit 14. For example, X% of the proceeds obtained from the account information may be set as the upper limit of the asset management amount. Further, the setting unit 15 is configured to be able to set a default amount of the asset management amount based on the asset information acquired by the asset information acquisition unit 11. Here, the default amount is the asset management amount that the information processing apparatus 1 presents to the user in advance. For example, Y% of the total asset amount or the take-back amount acquired from the asset information (including account information) may be set as the default amount of the asset management amount.

Further, the setting unit 15 may be configured to be able to set an upper limit amount of the asset management amount that can be provisionally set based on the saving amount set based on the fourth image. For example, if the monthly savings amount is increased from 10,000 yen to 20,000 yen, the increased amount of 10,000 yen may be added to the upper limit of the asset management amount.

(Reception Department 16)
The reception unit 16 is configured to be able to receive setting information representing at least one of the user's retirement age, the age at which the pension is received, the number of dependents, and the life plan of the dependents. Dependents include persons to whom the user should guarantee their lives, such as the user's children. In addition, the life plan of dependents is whether the school to be attended in the future is public or private, whether to attend a cram school, whether to study abroad, etc. The prediction unit 12 executes the prediction process based on the setting information received by the reception unit 16. As a result, the future asset amount can be predicted in consideration of the user's setting information. In addition, since the prediction process is executed every time the user's setting information is changed, it is possible to quickly grasp the re-forecast result of the asset at a predetermined time in the future.

(Selection unit 17)
The selection unit 17 is configured to be able to select specific presentation information from a plurality of presentation information based on the amount of assets of the user at the time of the retirement age of the user predicted by the prediction unit 12. The presented information can include arbitrary contents, and may include hobby data related to hobbies. In the present embodiment, a plurality of presentation information is prepared for each cost level according to the amount of assets at a predetermined time point. Further, the presented information is stored in the storage unit 30.

(Presentation unit 18)
The presentation unit 18 is configured to be able to present financial product information representing a predetermined financial product based on the asset management amount tentatively set based on the second image. Here, when the provider of the information processing device 1 is a business operator who is permitted to present the financial product, the information of the financial product arbitrarily selected by the provider may be presented. Further, when the provider of the information processing device 1 is a business operator who is not permitted to present financial products, the ranking of financial products purchased by other users may be presented.

Further, the presentation unit 18 may be configured to be able to present specific presentation information selected by the selection unit 17. Such presentation is realized by images, sounds, lights, and other methods.

Here, each component constituting the information processing device 1, the database 2, and the user terminal 3 may be realized by software or hardware. When realized by software, various functions can be realized by the CPU executing a program. The program may be stored in a built-in storage unit or may be stored in a computer-readable non-temporary recording medium. Further, the program stored in the external storage unit may be read out and realized by so-called cloud computing. When realized by hardware, it can be realized by various circuits such as ASIC, FPGA, or DRP. In this embodiment, various information and concepts including the information are dealt with, and these are represented by high and low signal values as a bit aggregate of binary numbers composed of 0 or 1, and are represented by the above software or hardware. Communication and calculation can be executed according to the above mode.

4. Various Images Next, with reference to FIGS. 4 to 8, various images generated by the image generation unit 13 or generated by the user terminal 3 based on the image generation command received from the image generation unit 13 will be described. ..

(1) Main screen FIG. 4 is an example of an image displayed when the service is started by the user terminal 3. In the example of FIG. 4, regions A1 to A3 are included.

・ Area A1: Area including comments and icons linked to comments comparing the expected amount and ideal amount of assets at the time of future retirement ・ Area A2: Expected asset amount (first image I1), ideal amount (third image I3) ), Area / area A3 including retirement age (5th image I5): Area including savings amount (4th image I4), asset management amount (2nd image I2)

As shown in FIG. 4, it corresponds to the first image I1 showing the secular change of assets from the present (30 years old) to the retirement age (65 years old) which is an example of a predetermined time point ST, and the period thereof. The third image I3 is also displayed. Further, the fifth image I5 is also displayed in the area A2, and the retirement age of the user can be increased or decreased by selecting the symbol (“<” or “>”) included in the fifth image I5. Then, the first image I1 dynamically changes according to the change in the retirement age.

For example, when the retirement age is changed to 70 years old, the shape of the estimated asset amount (first image I1) is changed as shown in FIG. This is the result of the prediction unit 12 executing the prediction process in consideration of the retirement age. Here, in the example of FIG. 5, the case where the retirement age is changed by the operation on the fifth image I5 is shown, but the case where the asset management amount is changed by the operation on the second image I2 and the fourth image. Even if the savings amount is changed by the operation on I4, it is preferable that the prediction process is re-executed and the shape of the first image I1 is changed. Note that these information may be edited from the setting screen instead of the operation for the second image I2, the fourth image I4, and the fifth image I5.

Here, if the estimated asset amount does not exceed the ideal amount at the retirement age set by the user, the user is told, "In order to reach the ideal amount, it is necessary to work until the age of 70." Message may be presented.

Further, the fourth image I4 and the second image I2 are displayed together in the area A3. Here, in the example of FIG. 4, the fourth image I4 and the second image I2 include a slider, and the user can change the saving amount and the operating amount by operating the slider.

The values adjusted by the second image I2, the fourth image I4, and the fifth image I5 are set or provisionally set by the setting unit 15.

Further, when the user confirms the financial product, by selecting the "view asset management product" icon, another screen transition is made, and the presentation unit 18 presents the financial product information.

Also, if you want to check when the user's account balance exceeds the predetermined reference line for a predetermined period, select the underlined "Safety line (an example of the reference line)". You can check the definition of the safety line by moving to the screen of. Here, the definition of the reference line is arbitrary, but for example, it may be "the account balance is 3 months or more of the take-home payment".

(2) Setting screen FIGS. 6 to 8 are examples of setting screens. 6 to 8 are continuous in this order, and can be scrolled to each other by operating the user terminal 3.

As shown in FIG. 6, the setting screen includes items related to "age" such as the current age, retirement age, and pension receiving age. It also includes items related to "salary / expenditure" such as monthly income, bonuses, and monthly expenditures.

Further, as shown in FIG. 7, the setting screen includes items related to "savings / asset management" such as savings, asset management, and monthly reserve management amount. It also includes items related to "children" such as the number of children, age, birthday, and school type. Here, the type of school is an example of a life plan.

Further, as shown in FIG. 8, the setting screen includes items related to "old age" such as an estimated amount of retirement allowance and monthly expenditure for old age. Then, when setting the contents entered in these items, select the "Set" icon. As a result, the setting information input from the user terminal 3 is transmitted to the information processing device 1, and the reception unit 16 receives the setting information. Then, the prediction process by the prediction unit 12 is executed by reflecting the setting information received by the reception unit 16.

At this time, the estimated amount of assets (46 million yen) at a predetermined time point (in the example of FIG. 6, 62 years old, which is the retirement age) and the ideal amount (40 million yen) are arranged side by side. It may be displayed.

In the examples of FIGS. 6 to 8, the information input for various items is a slider format icon or a free input text input box, but the information is not limited to these, and various information can be input in any format. Good.

5. Presentation information FIG. 9 is an example of presentation information displayed on the display unit 35 of the user terminal 3. In the example of FIG. 9, the presentation information includes the following contents.

・ Comprehensive evaluation: Grade of old age assets, recommended hobbies, comment ・ Assets at retirement: Presents ideal amount and estimated excess or deficiency of assets ・ Old age power ranking: Overall ranking compared to other users ・ Old age Living Funds: The amount of living funds expected to be spent per month ・ Recommended books: Titles of recommended books considering user preferences or asset status ・ Recommended quotes: Considering user preferences or asset status Recommended quotes ・ Hobby fee for old age: Monthly price for recommended hobby ・ Age at which money is exhausted: Age at which assets are expected to run out if you continue your current life ・ Age at which you can retire: Current life Age required for assets to reach ideal amount if continued ・ Assets that can be left for the bereaved family: Estimated amount of assets that can be left for the bereaved family after one's death if the current life is continued

Here, a plurality of presentation information is stored in the storage unit 30. Further, a plurality of presentation information may be stored for each of the various categories shown in FIG. For example, a plurality of information is stored for each "grade (example: Chihuahua grade)", "recommended hobby", "recommended book", and "recommended quote". Then, the selection unit 17 may be configured to be able to select specific presentation information from a plurality of presentation information based on the amount of assets of the user at the time of the retirement age of the user predicted by the prediction unit 12. Then, the presentation unit 18 presents the presentation information selected by the selection unit 17 to the display unit 35 of the user terminal 2.

6. Hobby information Next, hobby information, which is an example of presented information, will be described. FIG. 10 is an example of hobby data stored in the storage unit 30. The hobby data is a collection of popular hobbies in old age, which are categorized into a plurality of classes according to the estimated cost for a certain period (eg: 1 month). In addition, it is preferable to store the estimated asset amount at a predetermined time point and a plurality of hobby data in association with each class. This makes it possible to propose a class hobby that does not cost much to those who cannot afford the assets of old age, and to propose a luxurious hobby to those who can afford the assets of old age. Further, the user's preference may be estimated from various information, and among the hobbies in a specific class, the hobby that seems to suit the user's preference may be proposed. Then, as shown in FIG. 9, the presentation unit 18 presents the hobby data selected by the selection unit 17 to the display unit 35 of the user terminal 2 as hobby information. Of the above-mentioned presented information, grade data (data representing grade information included in the comprehensive evaluation), this data (data representing recommended book information), and quote data (data representing recommended quotes) are also hobbies. The same process as the information may be executed.

7. Processing by Information Processing Device 1 Next, the flow of processing by the information processing device 1 will be described with reference to FIG.

First, in A11, the service is started by the user terminal 3, and the information processing device 1 confirms the start of the service. Then, the top image shown in FIG. 4 is displayed on the user terminal 3.

Next, in A2, the asset information acquisition unit 11 acquires the asset information of the database 2 user. At this time, it is preferable to acquire account information as asset information.

Next, in A3, the initial setting of the information about the user is made. This is done by the setting screens shown in FIGS. 5-8. At this time, it is preferable that the information processing apparatus 1 generates a screen that reflects the asset information acquired in A2. Then, the user fills in or changes the information individually as needed. This reduces the burden of initial settings on the user.

Next, in A4 and A5, the setting unit 15 sets the default amount of the asset management amount and the upper limit of the asset management amount.

Here, A3 to A5 need not be executed in this order, and may be executed in any order.

Next, in A6, an image is generated by the image generation unit 13. This image includes at least one of the first image I1 to the fifth image I5.

When the asset management amount is changed by the operation on the second image I2 by the user, the process proceeds to A7a and the asset management amount is temporarily set. In other words, the asset management amount set in the initial settings is changed.

Further, when the retirement age is changed by the operation of the fifth image I5 by the user, the process proceeds to A7b and the retirement age is set. In other words, the retirement age set in the initial settings is changed.

Next, in A8, the prediction process is executed by the prediction unit 12. As a result, the amount of the user's assets or the transition of the assets at a predetermined time point is predicted.

Then, in A9, the image generation unit 13 generates the first image I1. Then, when the setting information is changed by operating the setting screen or by operating the second image I2, the fourth image I4, or the fifth image I5, the prediction process of A8 is repeated. As a result, the shape of the first image I1 is changed before and after the change of the setting information, as shown in FIGS. 4 and 5.

On the other hand, if there is no change in the setting information, the process ends.

8. Summary The processing described above allows the user to intuitively understand how much money he or she prefers to spend on asset management. In addition, the shape of the first image I1 changes according to the change of various setting information by the operation on any of the second image I2, the fourth image I4, and the fifth image I5. It becomes possible to easily confirm the assumed simulation result.

9. Others In the above description, the information processing apparatus 1 is configured to have various functions, but the functions of the asset information acquisition unit 11 to the presentation unit 18 may be realized in the user terminal 3. In this case, it is preferable that the information processing device 1 distributes an application (program) that realizes the above functions and has the user terminal 3 install the application (program). Further, the asset information acquisition unit 11 and the prediction unit 12 may be shared and executed by the information processing device 1 and the user terminal 3. Further, when the user introduces the service to another person, it may be possible to switch to the "introduction mode" in which the screen is displayed with the user's actual assets face down.

It may be provided in each of the following aspects.
In the information processing apparatus, the image generation unit is configured to be capable of generating a third image, and the third image is an image including an ideal amount, wherein the ideal amount is predetermined from the present. It is an asset at a specific time point up to the time point, and is a predetermined amount, so that the image generation unit displays the first image and the third image on the same screen on the display unit of the user terminal. , The first image and the third image are generated, and here, the user terminal is an information processing device which is a terminal used by the user.
In the information processing device, when the asset management amount is provisionally set based on the second image, the prediction unit executes the prediction process based on the temporarily set asset management amount. Processing equipment.
The information processing device includes an account information acquisition unit and a setting unit, the asset information includes account information related to the user's bank account or virtual account, and the account information acquisition unit can acquire the account information. Here, the account information includes information on the balance or deposit / withdrawal of the bank account or the virtual account, and the setting unit is provisionally based on the account information acquired by the account information acquisition unit. An information processing device configured to be able to set an upper limit of the asset management amount that can be set.
The information processing device includes a setting unit, and the setting unit is configured to be able to set a default amount of the asset management amount based on the asset information acquired by the asset information acquisition unit. ..
In the information processing device, the image generation unit is configured to be able to generate a fourth image, and the fourth image is an image in which the saving amount to be saved by the user can be set in a predetermined period. The image generation unit generates the second image and the fourth image so that the second image and the fourth image are displayed on the same screen on the display unit of the user terminal, and here, the user terminal. Is an information processing device that is a terminal used by the user.
The information processing device includes a setting unit, and the setting unit can set an upper limit amount of the asset management amount that can be provisionally set based on the saving amount set based on the fourth image. Information processing equipment.
The information processing device includes a reception unit, which receives setting information representing at least one of the user's retirement age, pension receipt start age, number of dependents, and the dependent's life plan. An information processing device that is configured to be possible and that executes the prediction process based on the setting information received by the reception unit.
In the information processing apparatus, the image generation unit is configured to be capable of generating a fifth image, the fifth image is an image in which the retirement age can be set, and the image generation unit is the first image and The first image and the fifth image are generated so that the fifth image is displayed on the same screen in the display unit of the user terminal, where the user terminal is a terminal used by the user. Information processing device.
In the information processing device, when the retirement age is set based on the fifth image, the prediction unit executes the prediction process based on the set retirement age.
The information processing apparatus includes a presentation unit, which can present financial product information representing a predetermined financial product based on the asset management amount provisionally set based on the second image. An information processing device that is configured.
In the information processing device, the image generation unit generates the third image capable of accepting an input operation by the user when the account balance of the user exceeds a predetermined reference line for a predetermined period. An information processing device that can be configured.
The information processing device includes a selection unit and a presentation unit, and the selection unit is specific from a plurality of presentation information based on the asset amount of the user at the time of retirement age of the user predicted by the prediction unit. An information processing device configured so that presentation information can be selected, and the presentation unit can present the presentation information selected by the selection unit.
A program that causes a computer to function as the information processing device.
Of course, this is not the case.

Further, the above-mentioned computer may be provided as a computer-readable non-temporary recording medium that stores a program that functions as an asset information acquisition unit, a prediction unit, and an image generation unit.

Finally, various embodiments of the present invention have been described, but these are presented as examples and are not intended to limit the scope of the invention. The novel embodiment can be implemented in various other embodiments, and various omissions, replacements, and changes can be made without departing from the gist of the invention. The embodiments and modifications thereof are included in the scope and gist of the invention, and are included in the scope of the invention described in the claims and the equivalent scope thereof.
The above-described embodiment and a plurality of modifications can be executed in any combination.

1: Information processing device 2: Database 3: User terminal 10: Control unit 11: Asset information acquisition unit 12: Prediction unit 13: Image generation unit 14: Account information acquisition unit 15: Setting unit 16: Reception unit 17: Selection unit 18 : Presentation unit 20: Communication unit 30: Storage unit 35: Display unit 40: Input unit 50: Display unit 100: System A1: Area A2: Area A3: Area I1: First image I2: Second image I3: Third image I4: 4th image I5: 5th image NW: Network

Claims (13)

It is an information processing device
Asset information acquisition unit includes a prediction unit, images generator and setting unit,
The asset information acquisition unit is configured to be able to acquire asset information related to the user's assets.
The prediction unit is configured to be able to execute a prediction process for predicting the amount of assets of the user at a predetermined time point.
The image generation unit is configured to be capable of generating a first image, a second image, and a fourth image.
The first image is an image that includes the asset amount predicted by the prediction unit and includes the asset amount at the specific time point.
The second image is an image in which the asset management amount can be provisionally set.
The fourth image is an image in which the saving amount to be saved by the user can be set in a predetermined period.
The image generation unit is configured so that the first image can be changed according to the asset management amount temporarily set based on the second image.
The image generation unit generates the second image and the fourth image so that the second image and the fourth image are displayed on the same screen in the display unit of the user terminal, and here, the user terminal. Is a terminal used by the user,
When the saving amount is changed by the operation on the fourth image, the image generation unit executes the prediction process and is configured to be able to change the first image.
The setting unit is configured to be able to set an upper limit value of the asset management amount that can be provisionally set based on the saving amount set based on the fourth image.
Information processing device. It is an information processing device
It has an asset information acquisition unit, a forecasting unit, and an image generation unit.
The asset information acquisition unit is configured to be able to acquire asset information related to the user's assets.
The prediction unit is configured to be able to execute a prediction process for predicting the amount of assets of the user at a predetermined time point.
The image generation unit is configured to be capable of generating a first image, a second image, and a fourth image.
The first image is an image that includes the asset amount predicted by the prediction unit and includes the asset amount at the specific time point.
The second image is an image in which the asset management amount can be provisionally set.
The fourth image is an image in which the saving amount to be saved by the user can be set in a predetermined period.
The image generation unit is configured so that the first image can be changed according to the asset management amount temporarily set based on the second image.
The image generation unit generates the second image and the fourth image so that the second image and the fourth image are displayed on the same screen in the display unit of the user terminal, and here, the user terminal. Is a terminal used by the user,
When the saving amount is changed by the operation on the fourth image, the image generation unit executes the prediction process and is configured to be able to change the first image.
The image generation unit is configured to be able to generate the second image capable of accepting an input operation by the user when the account balance of the user exceeds a predetermined reference line for a predetermined period of time.
Information processing device. In the information processing apparatus according to claim 2,
Equipped with a setting unit
The setting unit is configured to be able to set an upper limit amount of the asset management amount that can be provisionally set based on the saving amount set based on the fourth image.
Information processing device. In the information processing apparatus according to any one of claims 1 to 3.
The image generation unit is configured to be capable of generating a third image.
The third image is an image including an ideal amount, where the ideal amount is an asset at a specific time point from the present to the predetermined time point, and is a predetermined amount.
The image generation unit generates the first image and the third image so that the first image and the third image are displayed on the same screen in the display unit of the user terminal, and here, the user terminal. Is a terminal used by the user,
Information processing device. The information processing apparatus according to any one of claims 1 to 4.
When the asset management amount is provisionally set based on the second image, the prediction unit executes the prediction process based on the temporarily set asset management amount.
Information processing device. The information processing apparatus according to any one of claims 1 to 5.
It has an account information acquisition department and a setting department.
The asset information includes account information relating to the user's bank account or virtual account.
The account information acquisition unit is configured to be able to acquire the account information, wherein the account information includes information on the balance or deposit / withdrawal of the bank account or the virtual account.
The setting unit is configured to be able to set an upper limit of the asset management amount that can be provisionally set based on the account information acquired by the account information acquisition unit.
Information processing device. The information processing apparatus according to any one of claims 1 to 6.
Equipped with a setting unit
The setting unit is configured to be able to set a default amount of the asset management amount based on the asset information acquired by the asset information acquisition unit.
Information processing device. In the information processing apparatus according to any one of claims 1 to 7.
Equipped with a reception department
The reception unit is configured to be able to receive setting information indicating the retirement age of the user, the age at which the pension is received, the number of dependents, and at least one of the life plans of the dependents.
The prediction unit executes the prediction process based on the setting information received by the reception unit.
Information processing device. In the information processing apparatus according to claim 8,
The image generation unit is configured to be capable of generating a fifth image.
The fifth image is an image in which the retirement age can be set.
The image generation unit generates the first image and the fifth image so that the first image and the fifth image are displayed on the same screen on the display unit of the user terminal, and here, the user terminal. Is a terminal used by the user,
Information processing device. In the information processing apparatus according to claim 9,
When the retirement age is set based on the fifth image, the prediction unit executes the prediction process based on the set retirement age.
Information processing device. The information processing apparatus according to any one of claims 1 to 10.
Equipped with a presentation section
The presentation unit is configured to be capable of presenting financial product information representing a predetermined financial product based on the asset management amount tentatively set based on the second image.
Information processing device. The information processing apparatus according to any one of claims 1 to 11.
Equipped with a selection section and a presentation section
The selection unit is configured to be able to select specific presentation information from a plurality of presentation information based on the asset amount of the user at the time of retirement age of the user predicted by the prediction unit.
The presentation unit is configured to be capable of presenting the presentation information selected by the selection unit.
Information processing device. It ’s a program
A program that causes a computer to function as an information processing device according to any one of claims 1 to 12.

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