JP7100917B1 - Life plan utilization system, life plan utilization method, and life plan utilization program - Google Patents

Abstract

A life plan utilization system, a life plan utilization method, and a life plan utilization program related to a life plan utilization system are provided. In a life plan utilization system in which a server, a terminal device, and an external service can communicate with each other via a network, a server 1 serves as creation means for creating a life plan based on input information from a user. , an acquisition means for acquiring the user's household account book information, a comparison means for comparing the difference between the user's actual total asset amount and the estimated total asset amount in the life plan, and a plan for filling the difference for the user based on the difference and a proposing means for proposing the. [Selection drawing] Fig. 1

Description

The present invention relates to a life plan utilization system, a life plan utilization method, and a life plan utilization program.

Life plan simulation is an important tool for users to predict future asset status, review their daily lives, and stably face money in the future. Conventionally, life plan simulation is used. Various tools and systems for doing this have been proposed.

Patent Document 1 discloses an invention for realizing useful asset management based on advice suitable for the user's height, which can be realized from the current living and economic conditions.

Japanese Patent Laid-Open No. 2021-064882

However, in the invention described in Patent Document 1, the target information is the amount of deviation from the asset balance of other users referred to by the user, and specific matters indicated by comparison between data and the like are pointed out. Only advisors from financial institutions are presenting specific measures. In addition, although it is stated that one or more specific measures are presented to the user, by combining a plurality of specific measures, the burden on the user of each specific measure can be reduced. , There is no mention of measures to support the achievement of the goal.

In view of the above circumstances, the present invention has a problem to be solved to provide a new technique related to a life plan utilization system.

In order to solve the above problems, the present invention is a life plan utilization system, which is a means for creating a life plan based on input information from a user, a means for acquiring the household account book information of the user, and the above. It is characterized by being provided with a means for comparing the difference between the total amount of actual assets of the user and the total amount of expected assets in the life plan, and a means for proposing a plan for filling the difference to the user based on the difference. do. With such a configuration, the present invention can present the user with a plan for filling the difference between the total assets of the user and the total assets in the life plan, and also as a financial advisor. It is possible to make a proposal without the intervention of other people.

In a preferred embodiment of the present invention, the life plan utilization system may further accept input of a plurality of the input information having different conditions, and the means for creating the life plan further creates a life plan based on each of the plurality of input information. It is characterized by doing. With such a configuration, the present invention can compare a plurality of life plans and select a better plan or a plan with high feasibility.

In a preferred embodiment of the present invention, the life plan utilization system further includes a means for journalizing the expenditure information and a means for storing the acquired household account book information and the input information in a database in association with each other. The journalizing means further journalizes the expenditure information based on machine learning, and the storing means further calculates the total asset amount of the user based on the household account book information. With such a configuration, the present invention can compare the life plan and the total assets of the user.

In a preferred embodiment of the invention, the proposed means further comprises proposing a plurality of plans for filling the difference based on the difference. With such a configuration, the present invention can present a plan that can be implemented by the user.

In a preferred embodiment of the present invention, the proposed means is further characterized in that a composite proposal combining the plurality of plans is proposed to the user. With such a configuration, the present invention can reduce the burden on the user for each plan.

In order to solve the above problems, the present invention presents a computer as a means for creating a life plan based on input information from a user, a means for acquiring the household account book information of the user, and an actual asset of the user. It is characterized by functioning as a means for comparing the difference between the total amount and the total amount of predicted assets in the life plan, and a means for proposing a plan for filling the difference to the user based on the difference.

In order to solve the above problems, the present invention has a step of creating a life plan based on input information from a user, a step of acquiring the household account book information of the user, the total actual assets of the user, and the above. The computer executes a step of comparing the difference in the total expected assets in the life plan and a step of proposing a plan for filling the difference to the user based on the difference.

The present invention can provide a novel technique related to a life plan utilization system.

The schematic diagram which concerns on one Embodiment of this invention is shown. The hardware block diagram which concerns on one Embodiment of this invention is shown. The functional block diagram which concerns on one Embodiment of this invention is shown. An example of a data structure according to an embodiment of the present invention is shown. The processing flowchart which concerns on one Embodiment of this invention is shown. A flowchart for calculating a plan for filling the difference in one embodiment of the present invention is shown. A progress confirmation screen 0w1 according to an embodiment of the present invention is shown. A modified screen 0w2 according to an embodiment of the present invention is shown.

This specification describes the configuration, the action and effect, etc. according to the embodiment of the present invention with reference to the following.

The present invention is not limited to the following embodiments, and various configurations may be adopted. Further, in the embodiment of the present invention, a part of the configuration in each of the embodiments may be adopted with each other as long as the realization of the action and effect intended by the present invention is not hindered.

For example, in the present embodiment, the configuration, operation, and the like of the life plan utilization system will be described, but the same action and effect can be obtained depending on the method to be executed, the computer program, and the like. The program in the present embodiment may be provided as a non-transient recording medium that can be read by a computer, may be provided as a downloadable from an external server, and its function is realized by a life plan utilization system. In order to do so, the program may be started on an external computer (so-called cloud computing).

Further, in the present embodiment, the "means" may include, for example, a combination of hardware resources implemented by a circuit in a broad sense and information processing of software specifically realized by these hardware resources. In the present embodiment, "information" means, for example, a physical value of a signal value representing a voltage / current, a high or low of a signal value as a bit aggregate of a binary number composed of 0 or 1, or a quantum superposition. It is represented by (so-called qubit), and communication / operation can be executed on a circuit in a broad sense.

A circuit in a broad sense is a circuit realized by appropriately combining a circuit (Circuit), circuits (Circuitry), a processor (Processor), a memory (Memory), and the like. That is, CPU (Central Processing Unit), GPU (Graphics Processing Unit), LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Graphic Specified Circuit), FPGA (Graphic), FPGA (Graphic), etc.

<Overall configuration>
FIG. 1 is a schematic diagram of a life plan utilization system in this embodiment. The life plan utilization system includes a server 1, one or a plurality of terminal devices 2, and an external service 3.

As illustrated in FIG. 1, the server 1 and the terminal device 2 can communicate with each other via a known or conventional network NW. Further, the server 1 and the external service 3 can communicate with each other via a known or conventional network NW.

In the present embodiment, the external service 3 shows, for example, a general asset management / household account book application that provides a household account book creation service. The external service 3 is realized by an application program registered in cooperation with a user's financial account that keeps a household account book, and it is possible to access the user's financial account and acquire account information as needed. May be.

<Hardware configuration>
As illustrated in FIG. 2 (a), the server 1 takes the form of a known or conventional computer, for example, an arithmetic device 101, a main storage device 102, an auxiliary storage device 103, an input device 104, and an output device 105. It has a communication device 16 and a bus interface, and is appropriately used in order to realize the effects exhibited by the present invention.

Although the server 1 in the embodiment of the present invention will be described as one server device, it may be a computer group including a plurality of server devices. Here, the group of computers may include a web server and / or a database server. In the case of the aspect of the computer group, it is not necessary for a certain computer to be provided with all of the functional units described later, and the functional components described later are realized in the entire computer group.

The server 1 has a database DB in which at least a part of various information handled in one embodiment of the present invention is stored. The database DB may be the database server, may be configured by the auxiliary storage device 103, or may be cloud storage.

As illustrated in FIG. 2B, the terminal device 2 takes the form of a known or conventional computer and, for example, is an arithmetic device 201, a main storage device 202, an auxiliary storage device 203, an input device 204, and an output device. It has 205, a communication device 206, and a bus interface, and is appropriately used in order to realize the effects exhibited by the present invention.

The terminal device 2 in the embodiment of the present invention comprises one or more computers, and it is assumed that any computer device such as a PC (Personal Computer), a smartphone, a tablet, a laptop, or the like is used.

Arithmetic devices 101 and 201 are processors capable of executing an instruction set.

The main storage devices 102 and 202 are volatile memories that can store the instruction set.

The auxiliary storage devices 103 and 203 are recording media capable of recording programs and the like.

The input devices 104 and 204 are interfaces capable of inputting intentions. The interface is an interface such as a keyboard or a touch panel.

The output devices 105 and 205 are interfaces that enable notification. The notification is, for example, a visual notification.

The communication devices 106 and 206 have an interface based on a wired system or a wireless system for realizing connection / participation in the network.

<Functional block>
As illustrated in FIG. 3, the server 1 includes acquisition means 11, storage means 12, journalizing means 13, creation means 14, comparison means 15, proposal means 16, and display processing means 17. Have.

Further, as illustrated in FIG. 3, the terminal device 2 has an output means 21 and an input means 22.

The acquisition means 11 acquires the user's household account book information 1000 from the external service 3 via the network NW.

In the present embodiment, the household account book information 1000 includes income information 1000A regarding the user's income, expenditure information 1000B regarding the user's expenditure, asset information 1000C regarding the user's assets, and liabilities related to the user's liabilities. Includes information 1000D and.

The income information 1000A is information on the amount of money acquired by the user from labor consideration, stock dividend, real estate income, interest rate, etc. within a predetermined period, and is associated with the acquisition date and time and the heading. The expenditure information 1000B is information on the amount of money paid out (consumed) from the household within a predetermined period, and is associated with the date and time of payment and the headline. The asset information 1000C is information on cash (deposits), stocks, bonds, movables, real estate, etc. held by the user, and is associated with the date and time when the asset was acquired and the headline. The debt information 1000D is information on a user's borrowing, a loan of a movable property, a real estate, or the like, and is associated with a date and time when the debt is incurred and a heading. The above information is an example, and the household account book information 1000 may include information other than those listed.

The storage means 12 stores the user's household account book information 1000 and the input information 2000 from the user in association with each other in the database DB.

In the present embodiment, the input information 2000 includes personal information 2000A and assumed information 2000B. Personal information 2000A is currently used for the user's current occupation, annual income, age, financial assets owned, family structure and employment status, possession of a house or car, basic living expenses, insurance covered, asset management, etc. Information about users of. Assumed information 2000B is the assets of customers in the future, such as expected changes in income, marriage, childbirth, schooling, employment, job change, and purchase of movables (passenger cars) and real estate (houses) in users and their families. This is information that can cause changes in the balance of payments. The above information is an example, and the input information 2000 may include information other than the listed information, and the user may input the information via the terminal device 2. Further, when the input information 2000 is changed, it may be sequentially updated by the user himself / herself.

Further, the storage means 12 generates the total amount of actual assets, which is an index obtained by adding the income information 1000A, the expenditure information 1000B, the asset information 1000C, and the liability information 1000D, and stores them in the database DB in association with the household account book information 1000. .. In the present embodiment, the total actual assets represent the total assets of the individual user's income, expenditure, assets, and liabilities at the time when the household account book information 1000 is acquired via the network NW.

The journalizing means 13 journalizes the income information 1000A and the expenditure information 1000B based on machine learning. The journalizing means 13 may have a journalizing AI (Artificial Intelligence). The journal AI performs machine learning using the journals executed by the user in the past as teacher data, and determines which balance item the uncategorized income information 1000A or expenditure information 1000B corresponds to, the income information 1000A and the expenditure information 1000B. Journals are made according to the date and time and headings associated with. In the present embodiment, the income and expenditure items are items related to income and expenditure that can be managed as a household account book, such as food expenses, utilities expenses, household income, and extra income. Further, as described above, the journal may be executed by the user. Further, the income information 1000A and the expenditure information 1000B may be journalized in advance.

The creation means 14 creates a life plan based on the input information 2000.

First, the creation means 14 sets the final stage related to the calculation of the user's life plan simulation. The end point in this embodiment may be set based on the input information 2000 and may be the life expectancy or life expectancy of the user calculated based on the statistical information and the current age of the user. Further, the final period may be a predetermined year such as a year when the user turns 90 years old or a year when the user turns 100 years old. After that, the income and expenditure related to the life plan simulation are calculated until the end of the period.

As shown in FIG. 4, the creating means 14 may calculate the future income and expenditure of the user and the total estimated assets for each year, and store them in the database DB in association with the input information 2000 of the user.

As illustrated in FIG. 4, in the present embodiment, a life plan is created from the assumed information 2000B on the assumption that the user will die at the age of 100. The total estimated assets are calculated based on the input information 2000. The total projected assets allow the user to understand what the balance would be if the user continued to live on the basis of their current spending. In the present embodiment, the total estimated assets may be the total amount obtained by accumulating the future balance with the financial assets of the user at the time of creating the life plan. In the present embodiment, the total estimated assets are calculated on a yearly basis, but may be calculated on a several-year basis or a monthly basis.

Further, the creating means 14 calculates the total estimated assets from the assumed information 2000B in consideration of changes in income and changes in expenditure. As an example, if the user is investing as asset management, the investment profit is added as future income from the investment fund and yield, and if the user has a liability such as a housing loan, the amount of the liability is added as future expenditure. Subtract.

In this embodiment, there may be a plurality of life plans created by the creating means 14. In that case, the user inputs the assumed information 2000B in the same number as the created life plan and under different conditions. In addition, the plan that the user wants to realize most may be the main plan, and other plans may be the sub-plan. The comparative information calculated by the comparison means 15 and the proposal means 16 and the plan for filling the difference described below may be calculated by comparing the total amount of real assets with the total amount of forecasted assets in the main plan, and the total amount of real assets. And may be calculated by comparison with the total estimated assets in the main plan and all subplans.

The comparison means 15 calculates comparison information from the difference between the total amount of actual assets and the total amount of predicted assets in the life plan. In the present embodiment, the comparative information is a numerical value indicating the difference between the total amount of actual assets at the time of acquisition of the household account book information 1000 and the total amount of forecasted assets at that time. The total estimated assets to be compared with the total actual assets at the time of acquisition of the household account book information 1000 may be the total estimated assets of the year at the time of acquisition of the household account book information 1000, and may be another year (for example, the following year). It may be the total estimated assets.

The proposing means 16 proposes a plan for filling the difference between the total amount of actual assets and the total amount of predicted assets in the life plan based on the comparison information calculated by the comparison means 15.

The above plan includes at least part of the reduction of living expenses, working as a couple, the implementation of asset management, and the review of insurance, and the presentation of the plan is accompanied by a specific amount of money based on comparative information. .. The plan for filling the above difference may be presented according to a predetermined priority.

As an example, (1) propose the yield of asset management at a ratio that can be safely managed, (2) propose the improvement amount of how much the household income and expenditure will change such as reduction of living expenses and increase of revenue, (3) the improvement amount is large. The plan is presented in the order that the user judges that it is too much and proposes to buy a house if it does not own a house, and (4) the user judges that the improvement amount is too large and proposes real estate investment if it owns a house. .. If the difference cannot be filled by the above proposal, the amount of improvement in household income and expenditure is XX and XXX yen when asset management is carried out at a yield of 2.5%, and the amount of improvement in household income and expenditure when asset management is carried out at a yield of 3%. If is YY, YY yen, a proposal that combines (1) and (2) may be made. At this time, it may be explained that the risk increases as the yield value increases, and a plurality of proposals combining (1) and (2) may be presented under different conditions. The above proposals and priorities are examples, and proposals other than the above may be presented with priorities other than the above.

Proposal means 16 makes a proposal for reduction of living expenses based on the expenditure information 1000B. The proposal means 16 makes a proposal for a couple working together based on the input information 2000. Proposal means 16 makes a proposal for asset management based on the total amount of actual assets at the time of presenting the plan. The asset management proposal may not be proposed if the total amount of actual assets at that time is less than a predetermined amount. Proposal means 16 makes a proposal for reviewing insurance based on the input information 2000.

In the present embodiment, all the plans may be presented to the user, and the plan related to the information already acquired when the personal information 2000A is input may not be presented. As an example, when entering personal information 2000A, if the user already owns a house, the plan for purchasing the house is not presented. The user decides whether or not to implement the presented plan.

Further, the plan presented by the proposing means 16 is only a plan for filling the difference between the total actual assets at the time when the household account book information 1000 is acquired and the total estimated assets at the same time predicted by the life plan. Instead, it may be a plan for solving a problem assumed in advance.

In the present invention, the problems of the life plan assumed in advance are the following six types, and the proposal for solving the following problems can be presented based on any of the flowcharts exemplified in FIG. The problem to be solved by the present invention may be a problem other than the following.
1. 1. It does not reach the target age of retirement funds.
2. 2. I want to buy a house, but I want to clarify the right budget.
3. 3. How many children is appropriate? Also, what is the reasonable tuition fee?
4. I have something expensive (car, bag, etc.) that I want to buy, can I buy it?
5. How much will the cost of marriage and the cost of living after marriage be?
6. How much is the proper living expenses?

The display processing means 17 displays a predetermined screen in response to a request from the terminal device 2, and returns the display processing result. The terminal device 2 causes the output means 21 to display various screens based on the information received from the server 1. As a result, various screens described later are displayed on the terminal device 2.

The output means 21 is a display that the terminal device 2 includes as an output device 205 and includes a display panel configured by using a liquid crystal display, an organic EL (electroluminescence) display, or the like.

The input means 22 receives an operation performed from the outside by using an input device 204 such as a keyboard, an operation button, a mouse, and a touch sensor provided on the output means 21, and outputs a signal corresponding to the operation to the terminal device 2. Enter in.

<Information processing procedure>
As shown in FIG. 5, the series of processes according to the present invention includes the following steps. The order of each step shown in FIG. 5 is an example, and the order may be changed as appropriate unless otherwise specified.

The creation means 14 creates a life plan based on the input information 2000 (step S101).

The acquisition means 11 acquires the household account book information 1000 from the external service 3 via the network NW (step S102).

The journalizing means 13 journalizes which income and expenditure items the income information 1000A and the expenditure information 1000B included in the household account book information 1000 acquired in step S101 correspond to, and associates the household account book information 1000 with the input information 2000. And store it in the database DB (step S103). At this time, the storage means 12 calculates the total amount of actual assets of the user based on the household account book information 1000 acquired in step S102.

The comparison means 15 calculates comparative information which is the difference between the total amount of actual assets at the time when the household account book information 1000 is acquired and the total amount of expected assets at the time of the life plan created in step S101 (step). S104).

The proposing means 16 presents a plan for filling the difference between the total future real assets of the user and the total estimated assets in the life plan created in step S101 based on the comparison information calculated in step S104 (. Step S105). The plan for filling the difference may be a plan for filling the difference by the end of the above period, or may be a plan for filling the difference by the time specified by the user. The time specified by the user is, for example, one year or 36 months later, which is an arbitrary time in the future based on the time when the plan for filling the difference is presented in step S105.

<Calculation of plan to fill the difference>
FIG. 6A is a flowchart for calculating a plan for filling the difference by the end of the period or a time specified by the user based on the comparison information calculated in step S105. In the following flowchart, as an example, a plan for filling the difference by 10 years will be proposed.

Proposal means 16 calculates, by annual and / or monthly, how much the basic living expenses should be reduced so that the above difference becomes a positive value, and presents it to the user. (Step S201). If the user inputs that the presented amount reduction is not feasible, the process shifts to step S202, and if it is feasible, the process shifts to step S205, and the corresponding input information 2000 Make changes to and end a series of processes.

In the present embodiment, the proposal means 16 may specify a balance item for which a reduction is proposed to the user from the balance items for which the journal entry has been made in step S103. As an example, if there is a balance item whose expenditure amount fluctuates drastically every month, the proposing means 16 proposes to the user to reduce the item. In addition to monthly fluctuations in expenditures, proposals for reductions in variable expenditures, which account for a large proportion of the total expenditures, may be proposed based on criteria other than those listed.

Proposal means 16 calculates what percentage of the total assets will be used for asset management when the user manages the assets, and if the yield is, the above difference will be a positive value by 10 years. Present to the user (step S202). If the user inputs that the asset management will not be performed under the presented conditions, the process is transferred to step S203, and if the user inputs that the asset management is to be performed, the process is transferred to step S205, the corresponding input information is changed, and a series of operations are performed. Ends the processing of.

The plan presented in step S202 may be a composite proposal that simultaneously reduces living expenses and manages assets. Also in the following steps, a composite proposal may be presented in which the plan presented in the step and the plan presented in the previous steps are simultaneously performed. With such a configuration, for example, in step S202, the amount of reduction is less than the amount presented in step S201, and the amount is less than the investment fund presented when only asset management is performed. By performing asset management, the above difference can be made a positive value. In addition, when making a compound proposal, what percentage of the total assets should be used for asset management at what yield may be a predetermined numerical value.

When the user purchases a house, the proposing means 16 calculates how much the house should be purchased so that the above difference becomes a positive value by 10 years, and presents it to the user (step S203). If the user inputs that the presented condition is not feasible, the process shifts to step S204, and if it is entered, the process shifts to step S205, and the corresponding input information is changed. Ends a series of processes.

Proposal means 16 calculates how much the above difference will be a positive value by 10 years when the user earns income from a side business or when the user's spouse is a worker. , Presented to the user (step S204). When the user inputs that the presented conditions are feasible, the process proceeds to step S205, the corresponding input information is changed, and a series of processes is completed. Further, when the user inputs that the presented conditions cannot be implemented, the proposing means 16 may present a plan for solving a problem different from the plans presented in steps S201 to S204.

The user may change the corresponding input information such as the basic living expenses in step S205 via the input means 22. Further, the plan presented above is an example, and a plan other than those listed may be presented.

In the proposing means 16, even if the total estimated assets at the end of the period is a negative value at the time when the life plan of the user is created in step S103, the total estimated assets at the end of the user is a positive value. You may present the plan so that it becomes.

<Calculation of house budget>
FIG. 5B is a flowchart relating to the calculation of the budget of a house that can be purchased by the user.

Proposal means 16 presents the amount of money that can be purchased if the person continues to live based on the current basic living expenses (step S301).

The proposed means 16 can be purchased in steps S302 to S304: the amount of a house that can be purchased when the living expenses are reduced, the amount of the house that can be purchased when the couple works together, and the case where the couple both work and the living expenses are reduced. Present the amount of money for a nice house. The plan presented above is an example, and plans other than those listed may be presented, and the plans may be presented all at once on one screen or may be presented one by one.

As illustrated in FIG. 7, the output means 21 of the terminal device 2 has a proposal display unit 0w1a for displaying the plan presented by the proposal means 16 and the latest balance at the time when the user acquires the household account book information 1000. The balance display unit 0w1b for displaying information including the above and the progress status confirmation screen 0w1 including the above are displayed. The progress status confirmation screen 0w1 displays information showing a diagram showing the breakdown and future transition of the cost of raising a child and a diagram showing the breakdown and transition of the income and expenditure of the life plan created by the creating means 14. good. Here, the correction screen 0w2 may be displayed by pressing each proposal displayed on the proposal display unit 0w1a.

Further, in the present embodiment, the proposal means 16 may further make a proposal for improving the accuracy of the life plan creation by the creation means 14 based on the household account book information 2000, and the proposal is displayed on the proposal display unit 0w1a. May be done. As an example, if there is an uncategorized journal in the household account book information 1000, encourage the user to classify it, or compare the income per unit period of the user (in the example, the income of the previous month and the income of the current month). Income) When the amount is increased or decreased by more than a predetermined amount (50,000 yen in the example), it is judged that the annual income has changed due to a job change or the like, and the user is urged to update the input information 2000. Here, by pressing the proposal prompting the journal displayed on the proposal display unit 0w1a, a screen for journalizing the household account book information 1000 may be displayed, and the proposal prompting the user to update the input information 2000 may be displayed. By pressing the button, a screen for updating the input information 2000 may be displayed.

As illustrated in FIG. 8, the output means 21 of the terminal device 2 displays the life plan created by the creation means 14 in comparison with the user's household account book information 1000 and the total amount of actual assets up to the time of acquisition. Modification screen including a plan display unit 0w2a, a proposal display unit 0w2b for displaying a plan presented by the proposal means 16, and a detailed information display unit 0w2c for displaying a user's family structure, expected future events, and the like. Display 0w2. The life plan display unit 0w2a may display a life plan chart as illustrated in FIG. 4, and may display the total amount of actual assets and the breakdown of the asset composition in the year specified on the chart. The proposal display unit 0w2b may display all or any number of proposals that can be presented by the proposal means 16. In the embodiment, the proposals are displayed one by one, and the displayed proposals can be switched by buttons such as "forward" and "back". Further, by pressing the "OK" button displayed on the proposal display unit 0w2b, the user selects a plan determined to be feasible. The user may determine the plan to be implemented by pressing the "decide" button, and the proposing means 16 may change the input information 2000 corresponding to the selected plan. As an example, if the user selects a plan such as "half of the balance of financial assets and half of the amount to be saved will be managed at an investment yield of 3%, and expenditure will be suppressed by XX, XXX yen / month.", Proposal means 16 will be used. , The numerical value of the asset fund and the yield in the input information 2000 and the numerical value of the basic living expenses are changed to the numerical value of the selected plan. Further, the user may change the information displayed on the detailed information display unit 0w2c via the input means 22. The detailed information display unit 0w2c may display not only the above-exemplified information but also information that can be changed by the user, such as information possessed by the input information 2000.

According to the present invention, it is possible to provide a new technique related to a life plan utilization system.

1: Server 2: Terminal device 3: External service 101: Computational device 102: Main storage device 103: Auxiliary storage device 104: Input device 105: Output device 106: Communication device 201: Computational device 202: Main storage device 203: Auxiliary storage Device 204: Input device 205: Output device 206: Communication device 11: Acquisition means 12: Storage means 13: Journalizing means 14: Creation means 15: Comparison means 16: Proposal means 17: Display processing means 21: Output means 22: Input means

Claims (5)

It is a life plan utilization system
Forecast of future changes in total assets of the user based on personal information including information on the assets owned by the current user and input information including assumed information including information that may change the asset balance of the future customer. How to create a life plan that is
As a means of acquiring the user's household account book information,
A means for calculating the difference between the total actual assets of the user calculated based on the household account book information and the total estimated assets in the life plan, and
A means of proposing a plurality of plans that the user can take to fill the difference to the user, and
Equipped with
The proposed means does not propose a plan including the acquisition of already acquired assets based on the information of the owned assets in the personal information, and the plan is set so that the difference becomes a positive value. A life plan utilization system characterized by proposing along with the amount of improvement by the plan. The life plan utilization system may further accept input of a plurality of the input information having different conditions.
The life plan utilization system according to claim 1, wherein the means for creating the life plan further creates a life plan based on each of the plurality of input information. The life plan utilization system further provides a means for journalizing expenditure information, which is information on the expenditure of the user .
It has a means for storing the acquired household account book information and the input information in a database in association with each other.
The journalizing means further journalizes the expenditure information based on machine learning.
The life plan utilization system according to claim 1 or 2, wherein the storage means further calculates the total amount of the actual assets of the user based on the household account book information. Computer,
Forecast of future changes in total assets of the user based on personal information including information on the assets owned by the current user and input information including assumed information including information that may change the asset balance of the future customer. How to create a life plan that is
As a means of acquiring the user's household account book information,
A means for calculating the difference between the total actual assets of the user calculated based on the household account book information and the total estimated assets in the life plan, and
A means of proposing a plurality of plans that the user can take to fill the difference to the user, and
To function as
The proposed means does not propose a plan including the acquisition of already acquired assets based on the information of the owned assets in the personal information, and the plan is set so that the difference becomes a positive value. A life plan utilization program characterized by proposing along with the amount of improvement by the plan. Forecast of future changes in total assets of the user based on personal information including information on the assets owned by the current user and input information including assumed information including information that may change the asset balance of the future customer. And the steps to create a life plan
The step of acquiring the user's household account book information and
A step of calculating the difference between the total actual assets of the user calculated based on the household account book information and the total estimated assets in the life plan, and
A step of proposing a plurality of plans that the user can take to fill the difference to the user, and
The computer runs ,
The proposed step does not propose a plan that includes the acquisition of assets that have already been acquired based on the information on the assets held in the personal information, and the plan is such that the difference is a positive value. How to use the life plan to propose along with the amount of improvement by the plan.

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