JP7036634B2 - Information processing equipment, information processing methods, and programs - Google Patents

Description

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

Conventionally, a method for providing an automatic gifting service that automatically gifts assets from a donor to a recipient during life has been proposed (see Patent Document 1). In this method, the gift giver's asset content is stored in the gift giver's asset content storage means, and the gift information including the gift recipient and the gift implementation time is input and designated by the gift information designation means. The gift information is stored in the gift information storage means, and when the gift implementation time comes, the non-cash assets held by the donor stored in the gifter asset content storage means by the non-cash asset value information acquisition means. After acquiring the price information including the market value information of the gift implementation time, the taxable valuation amount calculation method is used to obtain the non-cash asset value information. Calculate the taxable value of the asset, and then use the gift asset selection method to determine which is more advantageous, cash gift or non-cash asset gift, based on the taxable value calculated by the taxable value calculation method. After making a judgment and selecting the gift asset, the gift processing means performs the gift processing to the gift recipient stored in the gift information storage means based on the selection result by the gift asset selection means.

Japanese Unexamined Patent Publication No. 2004-199449

Conventional technology may not be able to propose the disposal of assets under management in consideration of tax exemption limits. As a result, it may not be possible to adequately motivate the disposal of assets under management.

The present invention has been made in consideration of such circumstances, and an object of the present invention is to provide an information processing device, an information processing method, and a program capable of sufficiently motivating the disposal of assets under management. Make it one.

One aspect of the present invention is based on the acquisition unit for acquiring information on the assets under management of the first user, the information on the assets under management acquired by the acquisition unit, and the tax-free asset transfer frame. It is an information processing apparatus including a proposal unit that proposes to the user the disposal of a part or all of the assets under management.

According to one aspect of the present invention, the motivation for disposing of the assets under management can be sufficiently provided.

It is a figure which shows an example of the configuration and use environment of the service server 100 which used the information processing apparatus which concerns on 1st Embodiment. It is a figure which shows an example of the contents of the user information 181. It is a figure which shows an example of the contents of the family composition information 182. It is a figure which shows an example of the interface screen IM1 for inputting the asset management information. It is a figure which shows an example of the contents of the operation status table 183. It is a figure which shows an example of the contents of the remittance situation table 184. It is a figure which shows an example of the contents of operation target information 185. It is a figure which shows an example of the gift proposal screen IM2 displayed on the terminal device 10 of the donor AAA. It is a flowchart which shows an example of the flow of the process executed by the proposal execution part 156. It is a figure which shows an example of the gift proposal screen IM3 displayed on the terminal apparatus 10 of the donor AAA when proposing the sale of the assets under management corresponding to the gift frame for a plurality of years. It is a figure which shows an example of the gift proposal screen IM4 displayed on the terminal device 10 of the donor AAA. It is a figure which shows an example of the configuration and use environment of the financial institution server 200 which used the information processing apparatus which concerns on 2nd Embodiment. It is a figure which shows an example of the contents of account information 286. It is a figure which shows an example of the gift proposal screen IM5 displayed on the terminal device 10 of the donor AAA. It is a figure which shows an example of the contents of the account information 286 modified by the remittance management unit 260.

Hereinafter, embodiments of the information processing apparatus, information processing method, and program of the present invention will be described with reference to the drawings. The information processing device is realized by one or more processors. The information processing device acquires information on the assets under management of the first user, and based on the information on the assets under management and the tax-exempt asset transferable quota (hereinafter referred to as tax-exempt quota), one of the assets under management is given to the first user. Propose disposal of part or all. Assets under management are disposed of in the form of sale or cancellation. In the following description, "sale" will be used as a representative. The information processing device proposes to the first user that the value generated by the sale of the assets under management is donated to the second user within the tax exemption limit. The first user is, for example, a user who has a relationship such as a parent, a grandparent, or a relative to the second user. As a result, the information processing apparatus can realize smooth gifting of assets.

The information processing device may be a device that realizes a function by itself, or may be a virtual device included in a device having other functions (such as a web server or an application server). In the following description, the information processing device will be described as being included in a service server that provides a website or application site related to the economy, or a server of a financial institution.

The information processing device may be a device that exclusively makes various proposals to the first user, or may have a function of managing actual remittance. The former will be described in the first embodiment, and the latter will be described in the second embodiment.

<First Embodiment>
FIG. 1 is a diagram showing an example of a configuration and a usage environment of a service server 100 using the information processing apparatus according to the first embodiment. In the environment shown in the figure, one or more terminal devices 10, a financial institution server 20, an information providing server 30, and a service server 100 can communicate with each other via a network NW. The network NW includes, for example, the Internet, a WAN (Wide Area Network), a LAN (Local Area Network), a cellular network, and the like.

The terminal device 10 is used by the user. The terminal device 10 is, for example, a personal computer, a mobile phone such as a smartphone, a tablet terminal, or the like. In the terminal device 10, a UA (User Agent) such as a browser or an application program is activated, and various contents acquired via the network NW are provided to the user.

The financial institution server 20 is a server device operated by a securities company, a bank, a virtual currency exchange provider, or the like. The financial institution server 20 provides the terminal device 10 with a site for buying and selling securities and the like.

The information providing server 30 is a server device operated by an information providing business operator. The information providing server 30 is connected to various exchanges and provides various devices with prices of securities and the like that change from moment to moment.

The service server 100 provides the terminal device 10 with comprehensive information on economics and finance. The service server 100 is a web server that provides a web page to the terminal device 10 in response to a request from a browser, or an application server that provides images and sounds to the terminal device 10 in response to a request from an application program. The service server 100 includes, for example, a user management unit 110, a family structure estimation unit 120, an economic information providing unit 130, an asset management information acquisition unit 140, and a proposal unit 150. The proposal unit 150 includes, for example, an operation status management unit 152, a remittance status management unit 154, and a proposal execution unit 156. Some or all of these components are hardware (circuit parts) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), GPU (Graphics Processing Unit). It may be realized by (including circuits), or it may be realized by the cooperation of software and hardware. The program may be stored in advance in a storage device such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium such as a DVD or a CD-ROM, and the storage medium is stored in the drive device. It may be installed by being attached. The information processing apparatus includes at least an asset management unit 140 and a proposal unit 150.

Further, the service server 100 stores information such as user information 181 and family structure information 182, operation status table 183, remittance status table 184, and operation target information 185 in the storage unit 180. The storage unit 180 is realized by, for example, an HDD, a flash memory, a RAM (Random Access Memory), or the like. The storage unit 180 may be realized by hardware attached to the service server 100, or may be realized by an external device such as NAS (Network Attached Storage) in which the service server 100 can be accessed via the network NW.

The user management unit 110 manages the information of the user who logs in to the service server 100 by using the user information 181. FIG. 2 is a diagram showing an example of the contents of the user information 181. The user information 181 is, for example, information in which age, gender, birthday, occupation, and other information are associated with a user ID, which is user identification information.

The family composition estimation unit 120 acquires or estimates the family composition of the user having the user ID, and registers it in the family composition information 182. FIG. 3 is a diagram showing an example of the contents of the family structure information 182. In the family configuration information 182, for example, the user ID or the management ID separately issued for the family configuration management is associated with each other to form one record, and the grandparents for the user ID or the management ID included in each record. Information with labels such as parent and child. The content of the family structure information 182 may be based on the information input by the user, or may be estimated by the family structure estimation unit 120. For example, the family composition estimation unit 120 may extract a user aged 60 or over from the user information 181 and acquire or estimate the family composition starting from the extracted user. In addition, the family composition estimation unit 120 refers to the position information of the terminal device 10 acquired from the terminal device 10 in time series, and stays at a position within a predetermined range for a predetermined number of days or more a week during the time zone from night to morning. It is presumed that certain terminal devices 10 are terminal devices 10 used by a plurality of users who are in a family relationship (or at least coexist with each other). Then, the family relationship is estimated in consideration of the user ID and the age registered in the user information 181.

The economic information providing unit 130 generates the content provided by the service server 100 and transmits it to the terminal device 10.

The asset management information acquisition unit 140 acquires the asset management information of the user who uses the terminal device 10. The asset management information is transmitted to the service server 100 by being input to the terminal device 10 by the user, for example. FIG. 4 is a diagram showing an example of an interface screen IM1 for inputting asset management information. The user can input the asset type, the code or the name, the number of possessions, the purchase price, etc., which are the items of the asset management information, to the interface screen IM1. As asset types, stocks, bonds, CBs (convertible bonds), investment trusts, foreign currency deposits, FX, virtual currencies, etc. are assumed.

The operation status management unit 152 of the proposal unit 150 generates an operation status table 183 based on the asset management information acquired by the asset management information acquisition unit 140, and manages the operation status of the user. FIG. 5 is a diagram showing an example of the contents of the operation status table 183. The operation status table 183 is created, for example, based on the interface shown in FIG. The operation status table 183 includes, for example, an asset type, a code or a name, a number of possessions, a purchase price, a current price, a price increase rate calculated from them, a profit or loss, and the like for each user. In addition, the operation status table 183 may include the operation profit / loss of the corresponding user last year or two years ago. Further, although not shown, the operating profit / loss of the user last year and the year before last includes the details of each category of products whose profit / loss can be totaled.

The remittance status management unit 154 generates a remittance status table 184 based on the family composition information 182 generated by the family composition estimation unit 120, and manages the remittance status between users. FIG. 6 is a diagram showing an example of the contents of the remittance status table 184. The remittance status table 184 is information in which the remittance partner and the amount of remittance (gift) in the relevant year are associated with each user who can be the subject of the asset donation (confirmed or estimated that there are descendants, etc.). .. Hereinafter, the user who can be the subject may be referred to as a "donor", and the user who receives the gift may be referred to as a "donor". The amount in the remittance status table 184 is acquired, for example, by inputting the donor to the terminal device 10.

The proposal execution unit 156 proposes to the donor to sell a part or all of the assets under management based on various information stored in the storage unit 180 and the tax exemption limit. The proposal execution unit 156, for example, refers to the investment target information 185 and proposes to the donor to sell a part or all of the assets under management when the investment status indicated by the investment status table 183 reaches the investment target. ..

FIG. 7 is a diagram showing an example of the contents of the operation target information 185. The proposal execution unit 156 generates the operation target information 185 based on the input contents made by the donor. The investment target information 185 is, for example, information to which a target price increase rate or a target profit is added based on the asset management information. The target price increase rate or target profit is set by the input of the donor. The proposal execution unit 156 receives the setting of the target price increase rate or the target profit input to the terminal device 10 and registers it in the operation target information 185.

For example, the proposal execution unit 156 compares the investment status table 183 with the investment target information 185, and proposes to the donor the sale of the assets under management that have reached the set investment target. At this time, the proposal execution unit 156 also proposes to remit to the recipient who has the remaining tax-exempt gift limit with reference to the remittance status table 184. The tax exemption limit is, for example, 1.1 million yen per year. In the example of FIG. 6, 600,000 yen can be donated to the recipient CCC and 1.1 million yen can be donated to the recipient EEE.

Comparing the example of FIG. 5 and the example of FIG. 7, the stock of A Co., Ltd. has reached the investment target because the profit / loss is 1.59 million yen against the target profit of 1 million yen. In this case, the Proposal Execution Department 156 proposes to the donor AAA to sell the shares of A Co., Ltd. and to divide the cash equivalent to the sale amount into the recipient CCC and the recipient EEE.

Here, since the amount that can be donated to the recipient CCC without tax is 600,000 yen, the Proposal Execution Department 156 shares shares with the donor AAA so that the gift amount to the recipient CCC does not exceed 600,000 yen. Propose to sell. There are no particular restrictions on the method of distributing the gift amount after the sale of shares, but for example, the proposal execution unit 156 may determine the gift amount after distribution according to a preset priority.

The total tax-exempt giftable amount of the recipient CCC and the recipient EEE is 1.7 million yen. For example, the Proposal Execution Department 156 sells 3400 shares, which is the minimum unit number of shares exceeding 1.7 million yen after the sale, and gives 600,000 yen to the recipient CCC and 1.1 million yen to the recipient EEE to the donor AAA. suggest. Here, it is assumed that 1700000/503 = 3379 shares and the number of unit shares is 100 shares. For the sake of simplicity, the commission and capital gains taxation related to the sale of shares are not mentioned, but the Proposal Execution Department 156 proposes the sale so that the profit after the commission and tax exceeds 1.7 million yen. good.

Instead of the above, the Proposal Execution Unit 156 may propose to the donor AAA to sell the amount of money that is actually profitable. In this case, the proposal execution unit 156 may propose, for example, the sale of 3100 shares, which is the maximum number of unit shares that does not exceed 1.59 million yen after the sale. Here, 1590000/503 = 3161 shares. The Proposal Execution Unit 156 proposes to distribute the amount obtained from the sale, for example, according to the priority and donate it to the recipient CCC and the recipient EEE. If the recipient CCC has a higher priority, the Proposal Execution Department 156 will give 600,000 yen to the recipient CCC and 959,300 yen to the recipient EEE from 1559300 yen obtained by selling 503 x 3100 shares. Propose to the donor AAA to do so. As in the above, fees and taxes are not taken into consideration, but it may be proposed to distribute the fees and profits after tax.

The proposal execution unit 156 makes a proposal to the donor AAA, for example, in a form of push notification, pop-up screen display, or embedding the notification content in a specific frame in the content screen. FIG. 8 is a diagram showing an example of a gift proposal screen IM2 displayed on the terminal device 10 of the donor AAA. As shown in the figure, the Proposal Execution Department 156 proposes the sale of assets under management and the gift to the recipient, along with the fact that the gift is tax exempt, to the donor AAA. As a result, the proposal execution unit 156 can make a proposal with increased motivation to dispose of the assets under management.

FIG. 9 is a flowchart showing an example of the flow of processing executed by the proposal execution unit 156. The processing of this flowchart is executed at a predetermined timing for each of the potential donor users recognized from the remittance status table 184.

First, the proposal execution unit 156 refers to the operation status table 183 and confirms the operation status of the donor (S100). Next, the proposal execution unit 156 compares the operation status table 183 with the operation target information 185, and determines whether or not the operation target has been reached (S102). If the operational target has not been reached, the proposal execution unit 156 ends the processing of this flowchart.

When the operational target is reached, the proposal execution unit 156 determines the selling unit based on the tax exemption limit (S104). Next, the proposal execution unit 156 determines the distribution destination of the sale amount based on the remittance status table 184 (S106). Then, the proposal execution unit 156 proposes the sale of the assets under management to the donor by designating the sale unit and the distribution destination (S108).

According to the information processing apparatus according to the first embodiment described above, it is possible to make a proposal with increased motivation to dispose of the assets under management.

<Modified example of the first embodiment>
In the above embodiment, the proposal execution unit 156 proposes to the donor to sell a part or all of the assets under management when the investment status shown by the investment status table 183 reaches the investment target. This content may be changed as follows.

(1) The Proposal Execution Unit 156 may propose to the donor to sell a part or all of the assets under management when the profit reaches the maximum amount that can be donated to the recipient without tax.
(2) The Proposal Execution Unit 156 may propose to the donor to sell a part or all of the assets under management when the investment amount reaches the maximum amount that can be donated to the recipient without tax.
(3) The Proposal Execution Unit 156 may propose to the donor to sell a part or all of the assets under management when the profit reaches the maximum amount that can be summed up.
(4) The proposal execution unit 156 automatically determines the selling time based on the rate of price increase or statistical indicators such as the moving average deviation, RSI, and MACD, and when it is determined that it is the selling time, the donor May propose to sell some or all of the assets under management.

Further, in the above embodiment, the sale is mainly proposed based on the amount that can be donated without tax in that year, but if the operational status is better than the standard, it corresponds to a multi-year gift limit. You may propose to sell the assets under management and include in the proposal that gifts are required in multiple years. Better than the standard can be defined as, for example, a price increase of 30% or more, a target price increase rate set in an investment target, or a price increase of more than double the target profit. FIG. 10 is a diagram showing an example of a gift proposal screen IM3 displayed on the terminal device 10 of the donor AAA when proposing the sale of assets under management corresponding to a gift limit for a plurality of years.

Further, regarding the amount of assets under management to be sold, the proposal execution unit 156 may propose to sell the assets under management to the extent that the portfolio balance can be maintained instead of (or in addition to) the method described above. For example, the proposal execution unit 156 accepts in advance the setting of the target portfolio balance such as "stocks: 40%, bonds: 30%, foreign currency deposits: 30%", and the portfolio balance after sale is within a predetermined range from the setting. You may propose the amount to sell so that it fits in.

In addition, the proposal execution unit 156 may present a gift proposal screen, calculate the amount of tax on the gift, and present it to the gift giver when the gift giver wishes to give a gift beyond the tax exemption limit. FIG. 11 is a diagram showing an example of a gift proposal screen IM4 displayed on the terminal device 10 of the donor AAA. As shown in the figure, the proposal execution unit 156 provides a gift tax amount simulator column in the gift proposal screen IM4, and accepts input of the gift amount for each recipient set by default, for example, and inputs the gift amount to the input amount. The gift tax amount calculated for the gift tax may be displayed.

Further, in the above embodiment, the remittance (gift) to other users is proposed exclusively, but the donation to a public interest organization or the like that can be implemented without tax may be proposed.

<Second Embodiment>
Hereinafter, the second embodiment will be described. FIG. 12 is a diagram showing an example of the configuration and usage environment of the financial institution server 200 using the information processing apparatus according to the second embodiment.

Since the terminal device 10 and the information providing server 30 are the same as those in the first embodiment, the description thereof will be omitted.

The financial institution server 200 is, for example, a web server that provides a web page to the terminal device 10 in response to a request from a browser, or an application server that provides an image or sound in response to a request from an application program. Is. Further, the financial institution server 200 has a function of relaying a user's transaction according to an operation performed on the terminal device 10.

The financial institution server 200 includes, for example, a user management unit 210, a transaction management unit 230, an asset management information acquisition unit 240, a proposal unit 250, a remittance management unit 260, and a gift contract creation unit 270. The proposal unit 250 includes, for example, an operation status management unit 252, a remittance status management unit 254, and a proposal execution unit 256. Some or all of these components may be realized by hardware such as LSI, ASIC, FPGA, GPU (circuit part; including circuitry), or realized by the cooperation of software and hardware. May be good. The program may be stored in a storage device such as an HDD or a flash memory in advance, or is stored in a removable storage medium such as a DVD or a CD-ROM, and the storage medium is attached to the drive device. It may be installed. The information processing apparatus may include at least an asset management unit 240 and a proposal unit 250, and may include a remittance management unit 260 and a gift contract creation unit 270.

Further, the financial institution server 200 stores information such as user information 281, family structure information 282, operation status table 283, remittance status table 284, operation target information 285, and account information 286 in the storage unit 280. The storage unit 280 is realized by, for example, an HDD, a flash memory, a RAM, or the like. The storage unit 280 may be realized by hardware attached to the financial institution server 200, or may be realized by an external device such as NAS that the financial institution server 200 can access via the network NW.

The user management unit 210 manages the user information 281 as in the user management unit 110 of the first embodiment.

The transaction management unit 230 relays the user's transaction according to the operation performed on the terminal device 10. The transaction management unit 230 communicates with an exchange server (not shown), transmits the user's order to the exchange, reflects the result of the executed transaction in the account information 286, and notifies the user. FIG. 13 is a diagram showing an example of the contents of the account information 286. As shown in the figure, the account information 286 is, for example, information to which an item of deposit (cash balance) is added in addition to the status of assets under management. In this figure, it is shown that a gift of 500,000 yen has already been given to a gift recipient whose user ID is CCC.

The asset management information acquisition unit 240 acquires the asset management information of the user who uses the terminal device 10. The asset management information acquisition unit 240 acquires the user's asset management information by reading the account information 286, which is the original information of the investment status table 283, and generating the investment status table 283, for example. Further, even if the asset management unit 240 acquires the assets under management managed by the operator of the financial institution server 200 or a different financial institution from the server (not shown) of the different financial institution via the network. good. The contents of the operation status table 283 may be the same as those of the first embodiment and the operation status table 183.

The proposal unit 250 performs the same processing as the proposal unit 150 of the first embodiment. The description of this will be omitted. The process of the proposal unit 250 may include the process described as a modification of the first embodiment.

When the remittance management unit 260 wishes to remit according to the content proposed by the proposal unit 250 to the donor, the remittance management unit 260 remits after the sale of the assets under management. FIG. 14 is a diagram showing an example of a gift proposal screen IM5 displayed on the terminal device 10 of the donor AAA. As shown in the figure, the remittance management unit 260 provides the donor AAA with a screen provided with a field for inputting the gift amount to the recipient after the sale of the assets under management by the transaction management unit 230 is completed. The account information 286 may be modified so that the gift amount given is actually transferred to the recipient CCC or recipient EEE account. Further, the gift proposal screen IM5 may be provided with a radio button for selecting whether or not to provide the image data of the gift contract or to mail the printed matter. FIG. 15 is a diagram showing an example of the contents of the account information 286 modified by the remittance management unit 260. This figure shows how the donor AAA sold 3,100 shares of A Co., Ltd. and donated 600,000 yen to the recipient CCC and 959,300 yen to the recipient EEE as proposed. ..

The gift contract preparation department 270 submits a gift contract to the tax office, including at least the donor, the recipient, and the gift amount, in response to the modification of the account information 286 by the remittance management department 260. It is provided to the terminal device of the donor AAA as image data for printing, or printed for mailing.

According to the second embodiment described above, it is possible to make a proposal with increased motivation to dispose of the assets under management, as in the first embodiment. Further, according to the second embodiment, since the actual remittance is managed, the convenience can be further improved.

In the second embodiment, the information processing device is included in the financial institution server as an example. However, as in the first embodiment, the information processing device is provided independently of the financial institution server, and the financial institution manages the account. It may be processed in cooperation with a server.

Further, in the second embodiment, the description has been made on the premise that one account is associated with one user, but for example, the donor has a plurality of accounts in a plurality of financial institutions or in the same financial institution. If you have one, you may preferentially withdraw from an infrequently operated account to give a gift.

Although the embodiments for carrying out the present invention have been described above using the embodiments, the present invention is not limited to these embodiments, and various modifications and substitutions are made without departing from the gist of the present invention. Can be added.

10 Terminal equipment 20, 200 Financial institution server 30 Information provision server 100 Service server 110, 210 User management department 120 Family composition estimation department 130 Economic information provision department 140, 240 Asset management information acquisition department 150, 250 Proposal department 152, 252 Operation status Management unit 154, 254 Remittance status management department 156, 256 Proposal execution unit 180, 280 Storage unit 181, 281 User information 182, 282 Family configuration information 183, 283 Operation status table 184, 284 Remittance status table 185, 285 Operation target information 230 Transaction Management Department 260 Remittance Management Department 270 Gift Contract Creation Department 286 Account Information

Claims (9)

An acquisition unit that acquires information about the assets under management of the first user, including at least the number of holdings, the purchase price, and the current price.
From the terminal device of the first user, the setting of the operation target by the first user and the setting of one or more second users who are the gift recipients of the first user are received, and the first user's setting is based on the information. When the investment income is calculated and the calculated income reaches the investment target, the information proposing the disposal of part or all of the assets under management and the amount obtained by the disposal can be transferred without tax. The proposal unit that outputs the information that is proposed to be given to the one or more second users within the above frame to the terminal device of the first user, and the proposal unit.
Information processing device equipped with. The Proposal Department will give the first user a portion of the assets under management so that if the earnings are better than the higher criteria than the investment targets, the disposal amount will exceed the tax-exempt and asset transferable limit. Alternatively, the information proposing the entire disposal and the information indicating that the gift needs to be given in multiple years are output to the terminal device of the first user.
The information processing apparatus according to claim 1. The proposal unit informs the terminal device of the first user that the gift of the value obtained as a result of disposing of a part or all of the assets under management is tax exempt, and disposes of a part or all of the assets under management. Let me make a suggestion with
The information processing apparatus according to claim 1 or 2. The proposal unit causes the terminal device of the first user to propose a gift of a value obtained as a result of disposing of a part or all of the assets under management to the second user.
The information processing apparatus according to any one of claims 1 to 3. The proposal unit manages the remittance status from the first user to each of one or more second users, and the terminal device of the first user has room for remittance within the tax-free remittance frame. Propose a gift of the value obtained as a result of disposing of a part or all of the assets under management to the second user.
The information processing apparatus according to any one of claims 1 to 4. Further provided with a remittance management unit that manages the remittance of the value obtained as a result of the first user disposing of a part or all of the assets under management to the second user.
The information processing apparatus according to any one of claims 1 to 5. The remittance management unit accepts the registration of the second user by the first user and manages the remittance to the registered second user.
The information processing apparatus according to claim 6. The computer
Get information about the assets under management of the first user, including at least the number of holdings, purchase price, and current price.
From the terminal device of the first user, the setting of the operation target by the first user and the setting of one or more second users who are the gift recipients of the first user are accepted.
Based on the information, the profit of the operation of the first user is calculated.
When the calculated profit reaches the investment target, the information proposing the disposal of a part or all of the assets under management and the amount obtained by the disposal are combined with one or more of the above within the tax-exempt and asset transferable frame. The information that is proposed to be given to the second user of the above is output to the terminal device of the first user.
Information processing method. On the computer
Information about the assets under management of the first user, including at least the number of holdings, purchase price, and current price.
From the terminal device of the first user, the setting of the operation target by the first user and the setting of one or more second users who are the gift recipients of the first user are accepted.
Based on the information, the operation revenue of the first user is calculated.
When the calculated profit reaches the investment target, the information proposing the disposal of a part or all of the assets under management and the amount obtained by the disposal are combined with one or more of the above within the tax-exempt and asset transferable frame. The information that is proposed to be given to the second user of the above is output to the terminal device of the first user.
program.

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