JP7465472B2 - Consulting introduction system - Google Patents

Description

The present invention relates to a system that enables the results of simulations based on customer information when selling financial products, etc. to be shared with specific third parties.

When selling financial products, etc., the customer's attribute information may be entered, and a simulation based on the customer's individual circumstances may be run, allowing the customer to view the simulation while explaining the product. This makes it possible to make proposals based on specific figures that are more suited to the customer's individual circumstances, making it easier for the customer to make a decision regarding the purchase of the product, encouraging them to buy, and enabling them to make a more satisfactory decision.

Patent Document 1 provides a system that generates simulation information for achieving the asset management and debt repayment goals set by a customer based on input information. Specifically, the customer inputs predetermined asset management information including the savings amount and management period that are the asset management goals, and debt repayment information that displays predetermined debt repayment information including the borrowing amount and repayment period that are the debt repayment goals, and based on this, simulation information is generated and displayed visibly on the customer's terminal.

Patent document 2 provides a technology that can improve the convenience of accessing the URL referenced by an email with an attached URL when the recipient of the email forwards the email to a third party, without compromising security against information leaks.

Patent Publication 2017-188111 JP2008-262293

However, while the simulation results created in the system of Patent Document 1 may contain personal information, the technology disclosed in Patent Document 1 does not allow these simulation results to be made available to customers, such as by allowing limited targets such as the customers themselves to view and download them. In addition, it was not possible to share the simulation results with only third parties that the customer allows to view them, such as by presenting them to a financial institution to help them purchase the investment product they desire.

In the system of Patent Document 2, the recipient forwards an email with an attached URL to a third party with whom he or she wishes to share information, and if the third party meets the access permission granting conditions preset in the permission setting file, such as if the third party holds a specific position, access permission is granted to the third party; the system operator does not hold information regarding the third party's access permission in advance in response to a request from the recipient. For this reason, if the recipient mistakenly sends an email with an attached URL to an unwanted third party, depending on the access permission granting conditions, the risk of access permission being mistakenly granted to that third party is not eliminated if the third party meets the access permission granting conditions. In addition, because the access permission granting conditions must be set in advance, if the recipient wishes to share information with a new or arbitrary third party, there is a possibility that the third party does not meet the access permission granting conditions.

The present invention provides a system that not only transmits the results of a simulation based on customer information during business hours to the customer's terminal for viewing, but also makes it possible to share the simulation results with third parties who the customer requests to be able to view them by sending identification information from the customer's terminal.

Specifically, in the first aspect, the consulting introduction system includes a simulation terminal having a variable input reception unit that receives input of variables for a simulation, a simulation execution unit that executes a simulation using the received variables, a simulation result acquisition unit that acquires the simulation results that are the results of the executed simulation, a simulation result storage unit that stores the acquired simulation results, a simulation result display unit that displays the stored simulation results, an upload reception unit that receives an input as to whether to upload the stored simulation results to a viewing server so that they can be viewed by others in order to receive consulting, a viewer selection unit that selects a person who will view the uploaded simulation results using viewer identification information, and an upload unit that, if the received input is an input to upload to the viewing server so that they can be viewed, adds the viewing conditions according to the selection result in the viewer selection unit and uploads the simulation results to the viewing server, and a simulation result acquisition unit that acquires the simulation results uploaded from the upload unit of the simulation terminal together with the viewing conditions, a simulation result viewing storage unit that stores the acquired simulation results so that they can be viewed via a network, and a viewing processing unit that associates the acquired simulation results and processes them so that they can be viewed in response to a viewing request from the terminal according to the acquired viewing conditions.

In addition to the first aspect, the second aspect is a consulting introduction system further having a viewing terminal that has a viewer identification information acquisition unit that acquires viewer identification information, a viewer identification information storage unit that stores the acquired viewer identification information, a viewing request output unit that outputs a viewing request that is a request to view the simulation results of the viewing server in association with the stored viewer identification information, and a viewing unit for viewing the simulation results processed by the viewing processing unit.

As a third aspect, in addition to the second aspect, the viewing terminal is a consulting introduction system described having a third-party viewer identification information acquisition unit that acquires third-party viewer identification information, which is viewer identification information for allowing a third party to view the simulation results in the viewing processing unit, and a third-party viewer identification information output unit that outputs the acquired third-party viewer identification information.

In a fourth aspect, in addition to the second or third aspect described above, the viewer selection unit of the simulation terminal has an unknown viewer selection means for selecting a viewer about which there is no information in the viewing server, a viewer email address input prompting means for prompting the input of an email address used by a viewer about which there is no information in the viewing server when a viewer is selected, an email address storage means for storing the input email address, and an email address output unit for outputting the stored email address to the viewing server, the viewing server has an email address acquisition unit for acquiring the output email address, and the viewing processing unit has a consulting introduction system having, when an email address is acquired, a URL of the simulation result stored in the simulation result viewing storage unit with the email address as the destination, and a URL viewer identification information notification means for notifying the viewer identification information.

In addition to the fourth aspect, a fifth aspect is a consulting introduction system that includes a viewing terminal configuration program storage unit that stores a viewing terminal configuration program, which is a program for configuring a viewing terminal on a general-purpose computer, a download request acceptance unit that accepts a request to download the stored viewing terminal configuration program, and a viewing terminal configuration program download unit that, when a download request is accepted, downloads the viewing terminal configuration program in response to the request, and the viewing processing unit also includes a download request URL notification means that notifies the download request acceptance unit of a download request URL to an address that notifies the URL.

A sixth aspect is a consulting introduction system according to any one of the first to fifth aspects, which includes a product identification information storage unit that stores product identification information for identifying products, the variable input reception unit includes a product-specific variable input reception means that receives input of product-specific variables that are variables associated with the stored product identification information, and the simulation result storage unit includes a product-specific simulation result storage means that stores product-specific simulation results that are simulation results including the variables associated with the product identification information.

In addition, as a seventh aspect, in addition to the sixth embodiment, the simulation execution unit of the simulation terminal is a consulting introduction system described having a product-specific simulation execution means for executing different simulations according to the input of product-specific variables.

Furthermore, as an eighth aspect, there is provided a method for operating a consulting introduction system comprising a simulation terminal having a simulation result storage unit for storing acquired simulation results, and a viewing server having a simulation result viewing storage unit for storing the acquired simulation results so that they can be viewed over a network, wherein the simulation terminal executes a variable input receiving step for receiving an input of variables for a simulation, a simulation execution step for executing a simulation using the received variables, a simulation result acquisition step for acquiring the simulation results that are the results of the executed simulation, a simulation result storage step for storing the acquired simulation results, a simulation result display step for displaying the stored simulation results, an upload receiving step for receiving an input as to whether the stored simulation results should be uploaded to the viewing server so that they can be viewed by others in order to receive consulting, a viewer selection step for selecting a person who will be allowed to view the uploaded simulation results by viewer identification information, and an upload step for uploading the simulation results to the viewing server by adding the viewing conditions in accordance with the selection result in the viewer selection unit when the received input is an input as to whether the simulation results should be uploaded to the viewing server so that they can be viewed, and the viewing server executes a simulation result acquisition step for acquiring the uploaded simulation results from the upload unit of the simulation terminal together with the viewing conditions,
This is an operating method of a consulting introduction system which executes a simulation result viewing and storage step of storing acquired simulation results so that they can be viewed via a network, and a viewing processing step of associating the acquired simulation results with each other and processing them so that they can be viewed in response to a viewing request from a terminal in accordance with the acquired viewing conditions.

Furthermore, as a ninth aspect, a consulting introduction system is provided that includes a simulation terminal having a simulation result storage unit that stores the acquired simulation results, and a viewing server having a simulation result viewing storage unit that stores the acquired simulation results so that they can be viewed over a network. The simulation terminal performs the following operations: a variable input reception step for receiving input of variables for a simulation; a simulation execution step for executing a simulation using the received variables; a simulation result acquisition step for acquiring the simulation results that are the results of the executed simulation; a simulation result storage step for storing the acquired simulation results; a simulation result display step for displaying the stored simulation results; an upload reception step for receiving an input as to whether the stored simulation results should be uploaded to the viewing server so that they can be viewed by others in order to receive consulting; a viewer selection step for selecting a person who will be allowed to view the uploaded simulation results using viewer identification information; and an upload step for uploading the simulation results to the viewing server by adding the viewing conditions according to the selection result in the viewer selection unit if the received input is an input to upload to the viewing server so that they can be viewed; and the viewing server performs the following operations: a simulation result acquisition step for acquiring the uploaded simulation results from the upload unit of the simulation terminal together with the viewing conditions; This is an operating program for a consulting introduction system that executes a simulation result viewing and storage step that stores the acquired simulation results so that they can be viewed via a network, and a viewing processing step that associates the acquired simulation results and processes them so that they can be viewed in response to a viewing request from a terminal according to the acquired viewing conditions.

According to the present invention, when selling financial products, etc., attribute information of the person being explained about is input, a simulation is performed according to the individual circumstances of the person being explained about, the simulation is performed while the person is viewing the simulation, and a proposal is made based on specific values more suited to the individual's circumstances, thereby encouraging purchasing motivation and contributing to better decision-making. The results of the simulation are not only sent to the customer's terminal for viewing, but also to third parties who the customer requests to be able to view them, by sending identification information from the customer's terminal to a viewing server, it is possible to share the simulation results with only third parties, such as financial institutions, with whom the customer himself wishes to share them, without leaking the simulation results including personal information, and it is possible to obtain the extremely advantageous effect of making the results useful for purchasing financial products.

Hardware Diagram Overall view Functional block diagram of a consulting introduction system according to a first embodiment 1 is a flowchart showing an operation method of the consulting introduction system according to the first embodiment. Hardware diagram of a simulation terminal for a consulting introduction system program according to the first embodiment Hardware diagram of the server for browsing the consulting introduction system program according to the first embodiment Functional block diagram of a consulting introduction system according to a second embodiment 1 is a flowchart showing an operation method of a consulting introduction system according to a second embodiment. Hardware diagram of a viewing terminal for the consulting introduction system program according to the first embodiment Functional block diagram of a consulting introduction system according to a third embodiment 1 is a flowchart showing an operation method of a consulting introduction system according to a third embodiment. Hardware diagram of a viewing terminal for a consulting introduction system program according to the third embodiment Functional block diagram of a consulting introduction system according to a fourth embodiment 1 is a flowchart showing an operation method of a consulting introduction system according to a fourth embodiment. Hardware diagram of a simulation terminal for a consulting introduction system program according to the fourth embodiment Hardware diagram of the server for browsing the consulting introduction system program according to the fourth embodiment Functional block diagram of a consulting introduction system according to a fifth embodiment 1 is a flowchart showing an operation method of a consulting introduction system according to a fifth embodiment. Hardware diagram of the server for browsing the consulting introduction system program according to the fifth embodiment Functional block diagram of a consulting introduction system according to a sixth embodiment 11 is a flowchart showing an operation method of the consulting introduction system according to the sixth embodiment. Hardware diagram of a simulation terminal for a consulting introduction system program according to the sixth embodiment Functional block diagram of a consulting introduction system according to a seventh embodiment 11 is a flowchart showing an operation method of the consulting introduction system according to the seventh embodiment. Hardware diagram of a simulation terminal for a consulting introduction system program according to the seventh embodiment Simulation variable input screen Example of family structure input screen Simulation variable input screen Example of income input screen Simulation variable input screen Example of expenditure input screen Simulation variable input screen Example of educational expenses input screen Simulation result display screen Example of portfolio display screen Simulation result display screen Example of simulation result display screen An example of an information display screen Example of a third-party viewer designation screen <Hardware that can constitute the present invention>

The present invention is in principle an invention that utilizes an electronic computer, but it can also be realized by software, hardware, or a combination of software and hardware. The hardware that realizes all or part of each of the constituent elements of the present invention is composed of the basic components of a computer, such as a CPU, memory, bus, input/output devices, various peripheral devices, and a user interface. The various peripheral devices include storage devices, internet interfaces, internet devices, displays, keyboards, mice, speakers, cameras, videos, televisions, various sensors for grasping the production status in laboratories or factories (flow rate sensors, temperature sensors, weight sensors, liquid volume sensors, infrared sensors, shipment counters, package counters, foreign body inspection devices, defective product counters, radiation inspection devices, surface condition inspection devices, circuit inspection devices, human presence sensors, worker work status grasping devices (with video, ID, PC work volume, etc.)), CD devices, DVD devices, Blu-ray devices, USB memories, USB memory interfaces, removable hard disks, general hard disks, projector devices, SSDs, telephones, fax machines, copy machines, printers, movie editing devices, various sensor devices, etc. In addition, the present system does not necessarily have to be configured by one housing, and may be configured by connecting multiple housings by communication. In addition, the communication may be LAN, WAN, Wi-Fi, Bluetooth (registered trademark), infrared communication, or ultrasonic communication, and further, some of the devices may be installed across borders. Furthermore, each of the multiple units may be operated by a different entity, or may be operated by a single entity. The system of the present invention may be operated by a single entity or multiple entities. The invention may also be configured as a system that includes, in addition to the present system, a terminal used by a third party, and a terminal used by yet another third party. These terminals may also be installed across borders. Furthermore, in addition to the present system and the terminals, devices used to register related information about third parties and related persons, devices used in a database to record the contents of registration, etc. may be provided. These may be provided in the present system, or the present system may be configured to be provided outside the present system so that this information can be used (Figure 1).

As shown in this diagram, the computer is composed of a chipset, a CPU, a non-volatile memory, a main memory, various buses, a BIOS, various interfaces such as USB, HDMI (registered trademark) and LAN, a real-time clock, etc., which are configured on a motherboard. These operate in cooperation with an operating system, device drivers (for various interfaces such as USB and HDMI (registered trademark), cameras, microphones, speakers or headphones, displays, etc. for incorporating various devices), various programs, etc. The various programs and data constituting the present invention are configured to efficiently utilize these hardware resources to execute various processes.
Chipset

A "chipset" is a set of large-scale integrated circuits (LSIs) that are mounted on a computer's motherboard and integrate a communication function between the CPU's external bus and the standard bus that connects memory and peripheral devices, in other words a bridge function. There are cases where a two-chipset configuration is used, and cases where a single chipset configuration is used. The side closest to the CPU and main memory is called the north bridge, and the side furthest away, which interfaces with the relatively slow external I/O, is called the south bridge.

(North Bridge)
The north bridge includes a CPU interface, a memory controller, and a graphics interface. Most of the functions of a conventional north bridge may be performed by the CPU. The north bridge is connected to the memory slot of the main memory via a memory bus, and is connected to the graphics card slot of the graphics card via a high-speed graphics bus (AGP, PCI Express).

(South Bridge)
The south bridge is connected to the PCI interface (PCI slot) via a PCI bus, and is responsible for I/O functions and sound functions with the ATA (SATA) interface, USB interface, Ethernet interface, etc. Incorporating circuits that support PS/2 ports, floppy disk drives, serial ports, parallel ports, and ISA buses, which do not require or are impossible to operate at high speed, will hinder the speed of the chipset itself, so they may be separated from the south bridge chip and placed in a separate LSI called a super I/O chip. A bus is used to connect the CPU (MPU) to peripheral devices and various control units. The bus is connected by the chipset. The memory bus used to connect to the main memory may instead adopt a channel structure to increase speed. A serial bus or a parallel bus can be used as the bus. While a serial bus transfers data one bit at a time, a parallel bus transmits the original data itself or multiple bits extracted from the original data as a single block and transmits it simultaneously over multiple communication paths. A dedicated line for the clock signal is set up in parallel with the data line to synchronize the data demodulation on the receiving side. It is also used as a bus to connect the CPU (chipset) to external devices, and includes GPIB, IDE/(Parallel) ATA, SCSI, PCI, etc. Since there is a limit to how fast it can be made, in PCI Express, an improved version of PCI, and Serial ATA, an improved version of Parallel ATA, the data line can be a serial bus.
<CPU>

The CPU sequentially reads, interprets, and executes a sequence of instructions called a program in the main memory, and outputs information consisting of signals to the main memory. The CPU functions as the center of calculations in a computer. The CPU is composed of a CPU core part, which is the center of calculations, and its peripheral parts, and includes a register, a cache memory, an internal bus connecting the cache memory and the CPU core, a DMA controller, a timer, and an interface with a connection bus to a north bridge. A single CPU (chip) may have multiple CPU cores. In addition to the CPU, processing may be performed by a graphic interface (GPU) or FPU. The embodiment is described as a two-core type, but is not limited to this. A program may also be built into the CPU.
<Non-volatile memory>
(HDD)

The basic structure of a hard disk drive consists of a magnetic disk, a magnetic head, and an arm on which the magnetic head is mounted. The external interface can be SATA (previously ATA). A high-performance controller, such as SCSI, is used to support communication between hard disk drives. For example, when copying a file to another hard disk drive, the controller can read the sectors and transfer them to the other hard disk drive for writing. At this time, the host CPU's memory is not accessed. Therefore, the load on the CPU is not increased.
<Main memory>

The CPU directly accesses and executes various programs in the main memory. The main memory is a volatile memory and uses DRAM. Programs in the main memory are expanded from the non-volatile memory to the main memory upon receiving a program start command. The CPU then executes the program according to various execution commands and execution procedures within the program.

≪Operating System (OS)≫

An operating system is used to manage the resources available to applications on a computer, to manage various device drivers, and to manage the computer itself (the hardware). Small computers sometimes use firmware as the operating system.
<BIOS>

The BIOS causes the CPU to execute procedures for starting up the computer hardware and running the operating system, and is most typically the hardware that the CPU reads first when it receives a command to start the computer. The address of the operating system stored on the disk (non-volatile memory) is written here, and the operating system is sequentially loaded into main memory by the BIOS loaded into the CPU and becomes operational. The BIOS also has a check function that checks the presence or absence of various devices connected to the bus. The results of the check are stored in the main memory and are made available to the operating system as appropriate. The BIOS may also be configured to check external devices, etc. The above is the same for all embodiments.

As shown in the figure, the present invention can basically be configured with a general-purpose computer program and various devices. The computer basically operates in a form in which a program recorded in non-volatile memory is loaded into main memory, and processing is executed by the main memory, CPU, and various devices. Communication with devices is performed via an interface connected to a bus line. Possible interfaces include a display interface, a keyboard, and a communication buffer. Below, an embodiment of the present invention will be described with reference to the illustrated examples.
<Satisfying the utility of the laws of nature in the present invention>

The present invention functions through the cooperation of computers, communication equipment, and software. In the past, when conducting sales activities using simulation materials for individual customers, such as insurance and financial products, and receiving advice on the information from a third party, it was common to print the materials on paper and share them. This invention makes it possible to easily share them on the Internet, and since it solves the problem using processing unique to ICT, it is a so-called business model patent. In addition, various identification information, risk information, issue information, and task information are stored and processed in each part, and from this perspective, if the present invention is judged based on the resources such as computers in the claims and specifications and the technical common sense related to those matters, the present invention is one that utilizes the laws of nature.
<The significance of utilizing the laws of nature required by patent law>

The use of the laws of nature required by the Patent Act is required to ensure that an invention can be used industrially and usefully, based on the purpose of the law, from the viewpoint that an invention must have industrial applicability and contribute to the development of industry. In other words, it is required that the invention be industrially useful, that is, that the effect of the invention declared at the time of application can be reproduced with a certain degree of certainty by implementing the invention. From this perspective, the use of the laws of nature is interpreted as the function of each of the invention-specific matters (invention constituent elements), which are the components of the invention to achieve the effect of the invention, being achieved by utilizing the laws of nature. Furthermore, the effect of an invention is sufficient if it has the potential to provide a certain usefulness to the user who uses the invention, and should not be viewed from the perspective of how the user feels or thinks about that usefulness. Therefore, even if the effect that the user obtains from this system is a psychological effect, the effect itself is not subject to the required use of the laws of nature.

The following describes embodiments of the present invention. The relationships between the embodiments and the claims are as follows: embodiment 1 mainly relates to claims 1, 8, and 9, embodiment 2 mainly relates to claim 2, embodiment 3 mainly relates to claim 3, embodiment 4 mainly relates to claim 4, embodiment 5 mainly relates to claim 5, embodiment 6 mainly relates to claim 6, and embodiment 7 mainly relates to claim 7. Note that the present invention is not limited to these embodiments, and may be implemented in various forms without departing from the spirit of the present invention.
<Overall picture: explanation of business model>

First, an embodiment will be described. This embodiment specifically illustrates the basic idea of the present application. The present invention relates to a business model based on the following: when selling financial products, attribute information of the person to be explained is input, a simulation is performed according to the individual circumstances of the person to be explained, the person is shown a simulation while viewing the simulation, and a proposal is made based on specific values more suited to the individual circumstances, thereby encouraging the person to purchase and contributing to the decision-making regarding the purchase of the product. Furthermore, the results of the simulation are not only transmitted to the customer's terminal for viewing, but also to third parties who the customer requests to be able to view the results. By transmitting identification information from the customer's terminal, the simulation results including personal information are not leaked, and the simulation results can be shared only with third parties such as financial institutions with whom the customer wishes to share them, and the results can be used to purchase actual financial products.

Figure 2 shows the overall picture of this business model. The business process steps proceed in the order shown by the numbers in parentheses.

First, the person giving the explanation or the person being explained to input the attribute information of the person being explained to, such as the person's age, family structure, income, expenses, and children's educational plans, into the simulation terminal.

For example, inputting family members who share the same household is done on a screen like the one shown in Figure 26. The example shown in the figure shows the initial screen with a spouse and two children, and also includes the person's and spouse's parents as additional information. If there are two or more children, they can be added by pressing the + button on the children's relationship line. Also, they can be deleted by pressing the - button to the right of each individual. In this way, by adding and deleting family members, the family structure of the person being described is set. After that, an individual is selected, and their date of birth and occupation are entered. In the case of parents, information such as whether they are dependent or not, and whether they require care or not can be entered.

Income is entered on a screen such as that shown in Fig. 27. Salary income is entered as the annual net income from the present to the planned retirement age. The salary increase rate may be entered by the user, but it may also be calculated automatically using data such as salary increase rates by occupation and age held by the service company.
You can also enter future lump-sum income such as retirement benefits. Public pensions can also be paid early or late, so you can enter the age at which you will start receiving them. You can also enter regular income other than a salary, such as from managing an apartment building, or capital gains such as real estate or gold.

Expenses are entered on a screen like that shown in Figure 28. It is a good idea to enter the relationship between age and living expenses, as well as any predetermined expenses such as the purchase of a car and annual travel expenses. It is also a good idea to enter monthly premiums for insurance premiums, etc.

When it comes to your child's further education, it's a good idea to include information such as what your plans are, whether you want public or private school, and if it's university, whether you want humanities or science.

(2) Next, the simulation terminal calculates the results of the simulation of the yield and dividend of the financial products based on the information entered in (1), and displays them on the screen of the simulation terminal ((3)). The display screen may display, for example, a pie chart as shown in FIG. 30, which allows the ratio of financial products held to be seen at a glance. Alternatively, a bar graph of income and expenditure by age as shown in FIG. 31, or a line graph of asset transition, may be used. In the example of FIG. 27, the household balance is in the red from age 53, and expenditure is expected to increase especially at ages 53 and 55, because it is expected that expenses will increase due to the child's university entrance. The balance is temporarily in the red and assets are reduced, but the individual receives a lump sum retirement allowance at age 60, and after retiring at age 66, while the assets are being worn down, sufficient assets remain until age 80, and a certain amount of leeway is expected, making it easy to understand at a glance. With this information, you can consider various options, such as whether it would be better to take your retirement benefits in a lump sum and invest them, or to postpone the timing of your public pension payments and increase the amount you receive when you do.

(4) When the presenter clicks a button to upload the simulation results to the viewing server in response to an upload request from the person being presented, he or she is asked to enter the identification information of the person designated as the viewer (mainly the person being presented). Once this information is entered, the simulation results are uploaded to the viewing server ((5)). The identification information entered when uploading is the viewing authority for the simulation results, so only accessing persons with the entered identification information will be able to check the simulation results. The viewing conditions include not only the authority to view the simulation results, but also the authority to edit them. For example, if there are parts that you do not want to disclose to third parties, you can mask those parts, and if a third party is giving advice, you can write or highlight notes in the simulation results. You can also set something like a viewing deadline. This will reduce the risk of personal information leaking later if data that has passed the viewing deadline is automatically deleted.

(6) The viewing server makes the acquired simulation results viewable via the network. This allows the recipient to view the simulation results on his or her own device, such as a smartphone, at a later date when he or she wishes to check them ((7)). In addition to this, the recipient can also view information necessary for making a decision on purchasing a financial product, such as basic knowledge about financial products, information on tax systems and pension systems, and statistical data on necessary expenditures, and make a decision. For example, the recipient can select and display the desired information from a list of information, as shown in Figure 32.

In addition, if the person receiving the explanation wishes to share the simulation results with the financial institution, the person receiving the explanation can generate third-party viewer identification information on a terminal such as a smartphone ((8)) and transmit this to the viewing server ((9)). In this case, the third-party viewer can use this to view the simulation results.
Furthermore, the person being explained to can input the email address of a third party into the simulation terminal of the person explaining ((10)), and send this to the viewing server ((11)).
In this case, the viewing server can transmit to the email address of the third party that received the email, a URL that enables viewing of the simulation results and viewer identification information ((12)).
This allows a third party such as a financial institution to access the viewing server and view the simulation results ((13)). FIG. 33 shows an example of a third party selection screen, which displays, for example, a list of recommended financial planners. If there is a financial planner you would like to consult with among them, you can select the desired financial planner to generate third party identification information and send it to the viewing server, making the selected financial planner viewable. If you would like to seek advice from an acquaintance who is knowledgeable, rather than a financial planner, you can enter the email address or User ID below to make the desired third party viewable. If the third party is a member of the same service, their User ID is used, and if they are not registered as a member, their email address is used.

As described above, according to the consulting introduction system of the present invention, the materials that have been simulated and customized for the person being explained to can be easily viewed via the network, and can be shared with third parties to receive advice. Therefore, problems such as the need to handle the paper for information leakage and the hassle involved in disposing of the paper, which was the case in the past when the results of simulations of insurance and financial products were distributed on paper, are eliminated.
<Embodiment 1 (mainly corresponds to claim 1): Overview>

The consulting introduction system according to this embodiment mainly corresponds to claims 1, 8, and 9. This embodiment relates to a consulting introduction system that, when selling financial products and the like, allows input of attribute information and the like of a person to whom the information is to be provided, and performs a simulation of information on dividends and the like of financial products that correspond to the individual circumstances of the person to whom the information is to be provided, thereby making it possible to make proposals based on specific numerical values that are more suited to the individual circumstances.
<Embodiment 1 (mainly corresponding to claim 1): Configuration>

As shown in FIG. 3, the consulting introduction system of this embodiment includes a variable input receiving unit 0301 that receives input of variables for a simulation, a simulation execution unit 0302 that executes a simulation using the received variables, a simulation result acquisition unit 0303 that acquires the simulation results that are the results of the executed simulation, a simulation result storage unit 0304 that stores the acquired simulation results, a simulation result display unit 0305 that displays the stored simulation results, an upload receiving unit 0306 that receives an input as to whether the stored simulation results should be uploaded to a viewing server so that they can be viewed by others in order to receive consulting, and a user identification information that selects a user to view the uploaded simulation results. The viewing server 0390 includes a simulation terminal 0300 having a viewer selection unit 0307 for selecting a viewer to upload the simulation results to the viewing server, an upload unit 0308 for adding viewing conditions according to the selection result in the viewer selection unit and uploading the simulation results to the viewing server if the received input is an input for uploading to the viewing server so that the results can be viewed, a simulation result acquisition unit 0309 for acquiring the simulation results uploaded from the upload unit of the simulation terminal together with the viewing conditions, a simulation result viewing and storage unit 0310 for storing the acquired simulation results so that they can be viewed via the network, and a viewing processing unit 0311 for processing the acquired simulation results so that they can be viewed in response to a viewing request from the terminal in accordance with the acquired viewing conditions in association with the acquired simulation results.

In the following, an example will be described in which the person giving the explanation gives an explanation about insurance to the person being explained about using a simulation terminal such as a laptop PC or tablet terminal, the person inputs attribute information of the person being explained about, such as the age and family structure, into the simulation terminal, transmits the simulation results to a viewing server, and makes them viewable via a network. However, the subject of the present invention is not limited to financial products, and the types of terminals used are not limited to these either. It is also possible that the simulation terminal is a PC terminal installed in the sales office of the person giving the explanation, or a terminal such as a smartphone managed and occupied by the person giving the explanation.
First Embodiment: Description of Configuration
First Embodiment: Description of Configuration Simulation Terminal: Variable Input Reception Unit

A 'variable input receiving unit' 0301 receives input of variables for the simulation.
The variables for the simulation include information on the attributes of the recipient, information on financial product preferences such as the desired rate of return, etc. Information on the attributes of the recipient, for example, age and family structure (Figure 26), monthly income and expenditures (Figures 27 and 28) (in the case of a simulation regarding retirement, the current age and years of service, the planned amount of retirement allowance, and the years of service until retirement, and in the case of education expenses, the number of children, date of birth and age, type of school (elementary school/junior high school/high school/university, private/public, liberal arts/science/medical/dental/pharmacy), the presence or absence of extracurricular activity expenses such as cram schools and extracurricular lessons, the need for boarding, plans to study abroad, etc. (Figure 29). Other possible information include medical history and illness history for calculating necessary medical expenses, insurance payment amount, etc. Possible information includes the amount of savings and the amount received at maturity, the trend of future estimated annual income, information about the home (rented/owned, whether or not there is a loan and the amount, monthly repayment amount and interest rate, whether or not there is a down payment and the amount, etc.), whether or not there is a pension, the type (public pension/private pension) and the monthly payment amount, whether or not there is income from a side job or real estate, whether or not there is a car and the amount of the loan, the amount of nursing care expenses paid, etc. Possible information regarding desired financial products includes the desired rate of return and the ratio to deposits. Also, a portfolio like that shown in FIG. 30 may be shown to prompt input while showing information such as what percentage of the total assets it accounts for.
It is assumed that these variables are input directly into the interface screen or by clicking on a pull-down menu or button, but is not limited to this and may be input by voice or other methods. In addition, it does not matter whether the explainer or the person being explained inputs the variables.
<First embodiment: Description of configuration Simulation terminal: Simulation execution unit>

The 'simulation execution unit' 0302 executes a simulation using the received variables.
Based on the input variables and the statistical values, tax systems, and public pension information held by the system, a simulation is performed on lifetime income, expenditure, asset balance, etc., according to the individual circumstances of the person being explained. The calculation method of the simulation is not limited and may be set arbitrarily. The simulation does not need to be performed only once, and may be performed multiple times. This is because performing multiple assumed simulations for each input variable and selected parameters of economic data makes it easier to use as information. The simulation may be performed by the simulation execution unit automatically selecting selected parameters of economic data in order and performing the simulation multiple times. For example, optimistic parameters, pessimistic parameters, neutral parameters, etc. The types of parameters include exchange rates, expected yields of financial products, economic fluctuation parameters (inflation rate, GDP, land price increase rate, mining and manufacturing index, etc.), government bond yields, parameters indicating the status of stock prices (Nikkei average forecast, TOPIX forecast, etc.), results of presidential elections in various countries, and approval ratings of domestic political parties.
<Embodiment 1: Description of Configuration Simulation Terminal: Simulation Result Acquisition Unit>

The "simulation result acquisition unit" 0303 acquires the simulation result, which is the result of the executed simulation. The simulation result is a graph showing the income and expenditure calculated in a time series and the asset balance at that time, but is not limited to this, and may be displayed as a chart or animation (including graphs). The simulation result may be accompanied by input variables, or in some cases, only the input variables may be acquired as the simulation result. This simulation result will also be included in the simulation result in this embodiment and subsequent embodiments. Since the simulation result is inherently variable depending on the social situation and economic situation, it is preferable to include the date and time when the simulation was executed. For example, this is because exchange rates, commodity futures prices, financial product yields, government bond prices, stock prices, etc. fluctuate over time. In addition, this fluctuation also affects the prediction of these values in the future, so it is a major factor of fluctuation in the simulation result. In addition, it is possible to configure the simulation to acquire data on how not only the current values of various economic data but also future predicted values and prediction curves were selected or used as the simulation result. In this way, when executing a simulation, the economic forecast data can be configured to be selectable, such as pessimistic, optimistic, or neutral. Furthermore, the simulation results can also include the impression or thoughts of the person being explained about the results. For example, the person being explained about the results may be satisfied with the results, dissatisfied with the results, or feel that the results are unreliable. This can be included in the simulation results as text information, but it can also be included in the simulation results as audio data. Furthermore, the simulation results can also be configured to acquire the thoughts of the person explaining the results. Whether to use text or audio is a matter of appropriate design.
Furthermore, the simulation result may include location information where the simulation was performed. Since it is location information, it may be data from GPS or the Michibiki satellite, address information, information such as a beacon that notifies the location, or identification information of a mobile phone base station such as 5G. By specifying the location information, it is easier to recall the situation when the simulation result was viewed later. Furthermore, it is preferable that presenter identification information that identifies the presenter is included.
<First embodiment: Description of configuration: Simulation terminal: Simulation result storage unit>

The "simulation result storage unit" 0304 stores the acquired simulation results. The acquired simulation results do not necessarily need to be stored in one storage device, and may be stored on the cloud. Since the results can be stored on the cloud, they may be stored in a distributed manner across borders. Even if the results are stored in a distributed manner across borders, if they are viewable in Japan or other countries where the rights have been acquired, the existence of this constituent requirement is considered to be satisfied in Japan. Furthermore, the simulation results do not necessarily need to be stored in their entirety, and only a portion of the simulation results may be stored. Furthermore, it is preferable that the simulation results are not stored separately for each case, and that in the case of simulation results for the same person, the results are stored so that they can be retrieved as history. Furthermore, in the case where the results are stored as history, it is preferable that the identification information of the recommended financial product and the actually purchased financial product is displayed on the time axis. It may be possible to use the identification information of the financial product to make a comparison with the simulation results. In this case, it is preferable that the results are configured so that it is possible to know at a glance whether the financial product actually performed as simulated or not. In other words, it is useful to configure the system so that users can visually understand whether the recommended stocks of financial products and the purchased stocks of financial products overcame (won) or undercame (lost) the simulation results. If it can be confirmed later that the explanation given by the explainer was correct, the reliability of the explainer will increase, making it easier to recommend financial products, and creating a tendency for the explained person to rely on the explainer.
<Embodiment 1: Description of Configuration Simulation Terminal: Simulation Result Display Unit>

A 'simulation result display unit' 0305 displays the stored simulation results.
The simulation terminal may be a tablet terminal or a laptop PC, and since the results are displayed on a screen consisting of a liquid crystal panel or the like on the front of the terminal, the simulation result display unit may be an application screen or a window. FIG. 31 shows an example of a simulation result display screen, in which a black bar graph represents the amount of expenditure, and a white bar graph represents the amount of income. Also, a line graph represents the asset balance. As shown in the figure, the transition of assets can be grasped at a glance. The display method is not limited to this method, and numerical values may be shown in a table format, or other graph formats may be used. It is desirable to display the results in a format that is easy for the person to understand. As a result, the simulation results of the expenditure, income, and changes in the asset balance for each year, along with the age of the person to be explained and life events that require expenditure, such as a child's university admission and nursing care, are displayed on the screen of the simulation terminal by an interface such as a graph or table (FIG. 31). The person explaining the financial product can be explained to the person to be explained while having the person to be explained view this screen.
In addition, when providing such explanations, it is also possible to allow the person receiving the explanation to view information necessary for making a decision to purchase a financial asset, such as the tax system, pension system, and statistical figures for necessary expenditures (Figure 32). This allows the person receiving the explanation to consider purchasing a financial product in more detail and specifically, enabling them to make better decisions based on accurate financial knowledge.
<Embodiment 1: Description of Configuration Simulation Terminal: Upload Reception Unit>

An 'upload reception unit' 0306 receives an input as to whether or not to upload the stored simulation results to a viewing server so that the results can be viewed by others for consulting purposes.
If the person being explained to wishes to view the simulation results on his/her own viewing terminal such as a smartphone, it is assumed that the person being explained to clicks the "Share" button on the simulation screen, for example, to receive information indicating that the person wishes to upload the simulation results to the viewing server, but the method is not limited to this, and it is also acceptable to input a request to save the simulation results on another screen. Figure 31 is an example, and if the person being explained to requests to view the results later, an upload request is received by pressing the Share button on the upper right.
The "simulation result" is assumed to include a graph as shown in FIG. 31, but may also include text strings, images, photos, charts, icons, data strings (CSV information showing the simulation result, etc.) in addition to the graph. It may also include the program itself. A typical example of the program itself is a program that executes a simulation. The simulation result may be only variables for drawing the graph, and may not be graphic information. The text information may not be a preamble, and may be anything that can reproduce the text information in the browsing server. For example, the content used for the explanation may have its parts stored in the browsing server in advance and part identification information is assigned to each part, and may include part identification information that identifies the parts, which are the text group, instead of the character strings that make up the text used in the actual explanation. In this specification, ASCII code and the like are synonymous with text and numerical information.
<Embodiment 1: Description of Configuration Simulation Terminal: Viewer Selection Unit>

A 'viewer selection unit' 0307 selects a person who is to view the uploaded simulation results based on viewer identification information.
The viewer identification information is assumed to be information that uniquely identifies the terminal used by the person to view the personal explanatory materials, and may typically be the ID of the simulation result viewing application. Alternatively, it may be identification information that is not used as an ID to identify an application, but may be identification information that is not used as such. The viewing terminal described below refers to a dedicated terminal (dedicated application) formed on a general-purpose terminal, and the ID is provided so as not to overlap with that of other dedicated terminals of the same type. It is preferable that a copy of this identification information (application ID) is passed to the viewing terminal in response to a request from the simulation terminal. For example, it is possible to configure it so that it is transmitted from the viewing terminal by short-range wireless communication or the like only in response to a request for identification information in a specific signal format from the simulation terminal, or to configure it so that it is displayed on the screen of the viewing terminal in response to a request for identification information in a similarly specific signal format. In general, the latter screen display is preferable to using short-range wireless communication or the like because of the risk of eavesdropping. It is preferable that this screen display be information in a format that cannot be remembered at a glance, such as a barcode or QR code (registered trademark). In the case of this code display, the identification information is read by a code reading camera or the like of the simulation terminal. In addition, when the simulation results are uploaded after reading the identification information, it is preferable to configure the identification information so that it does not remain in the simulation terminal. Furthermore, it is possible to configure the uploaded simulation results so that they cannot be viewed without using the identification information, and it is also possible to configure the simulation results so that all of them do not remain in the simulation terminal after uploading. Note that the simulation result viewing application is a device on the side of the person explaining the materials, and its structure is kept secret, so that the identification information stored in one-to-one correspondence with the application is extremely difficult to hack, and from that point of view, it is configured so that confidential information will not be leaked. In addition, when the viewer identification information is acquired by inputting it by the person being explained when installing the application, it does not matter whether the operating company assigns it randomly or sequentially, or whether it is assigned to reflect the attributes of the viewer.
In one example, information on the viewer group that is the population selected by the viewer selection unit is stored in the simulation terminal, but it does not necessarily have to be stored in the simulation terminal and is stored in the viewing server or other servers, and it is also possible to configure the simulation terminal to access these servers and select viewers from the viewer group that is the population by communication. In this case, the results of selection in the viewing server or other servers can be configured to be stored in the simulation terminal by communication. Note that when the viewer group is stored in the viewing server or other servers, it is preferable that attribute information of each viewer is stored in association with viewer identification information that identifies each viewer. This attribute information has already been explained, but to explain it again, it can be age, family composition, income, expenses, plans for children to advance to higher education, plans to get married, plans to buy a house, whether or not to retire, whether or not to receive a retirement benefit, expected value of retirement benefit, whether or not to join a pension, ownership information of financial products, etc.
<Embodiment 1: Description of Configuration Simulation Terminal: Upload Unit>

If the received input is an input for uploading to the viewing server so that the simulation results can be viewed, the 'upload unit' 0308 adds the viewing conditions according to the selection result in the viewer selection unit and uploads the simulation results to the viewing server.
A representative example of the "viewing conditions" is information that identifies a viewer who can view the simulation results and that cannot be viewed by any other viewer. For this purpose, the upload unit uploads the simulation results in association with viewer identification information, and the viewing server that receives the results processes the simulation results so that only the viewer identified by the viewer identification information associated with the simulation results can view the simulation results. In addition, the viewable portion may be limited by association with the viewer identification information, and the viewing and downloading rights may be separately defined for each viewer, such as viewing is possible but downloading is not possible. The viewing conditions also include partial viewing conditions. Since the simulation conditions include many items that are considered to be personal information, the simulation conditions may also include cases where the simulation results are made viewable by excluding information that corresponds to the simulation conditions other than the simulation results. The viewing conditions may also include the right to allow editing, such as writing advice in the simulation results or displaying them with a highlighter. In this case, the simulation results cannot be edited, but it is desirable to limit the editing to a range that does not change the contents, such as adding supplementary information. It is assumed that the upload is performed in a form in which the information on the simulation results and the viewer identification information are associated with each other from the simulation terminal and transmitted to the viewing server via a network, but this is not limited to this. During uploading, it is desirable to display a message indicating that uploading is in progress and to allow confirmation of completion so that the user can be sure that the upload has been completed. In addition, since the information is personal information, it is desirable to encrypt the information before uploading. In this case, as an example, a method of encrypting the information using an encryption key issued by the browsing server and uploading it can be considered, but is not limited to this.
The inventor believes that this constituent element is what differentiates the invention from the prior art. In the most representative prior art, the viewer must go through two steps, uploading the content and handing over the authority to access the uploaded content to the content viewer, before being able to view the content. However, in the upload section of the present invention, the viewer can view the content only by uploading the content. This is based on a unique usage scenario of the present invention. This is because the viewer and the content uploader go through a simulation in front of each other, and then the content, that is, the results of the simulation, are uploaded. This type of processing is possible because the person giving the explanation has registered the person being explained to in some way in the simulation terminal beforehand.
<First embodiment: Description of configuration: Viewing server: Simulation result acquisition unit>

The 'simulation result acquisition unit' 0309 acquires the simulation results uploaded from the upload unit of the simulation terminal together with the viewing conditions.
As described above, this is assumed to be performed by the viewing server receiving information transmitted from the simulation terminal in association with the viewing conditions via a network. If the simulation results are encrypted, they are decrypted after acquisition. For example, when a public key is issued to the simulation terminal, it is generally decrypted using a private key that is paired with it, but this method is not limited to this. The simulation results are configured as information that allows the viewing server to identify that the file is a simulation result. When the simulation result acquisition unit of the viewing server acquires the simulation results, in addition to the process of storing the simulation result in the simulation result viewing and storage unit described below, a predetermined process may be automatically executed. A representative example is storing the simulation results so that they can be viewed only when a viewing request that matches the viewing conditions is acquired. It is also conceivable to configure the information included in the simulation results to be processed in a predetermined procedure. In the case where the simulation results include the above-mentioned parts identification information, the process is to reconstruct text, etc. based on the identification information, and in the case where the simulation results include CSV information, the process is to draw a graph according to the information. Note that these processes do not necessarily have to be performed simultaneously with the acquisition of the simulation results, and may be configured to be performed when a viewing request based on legitimate authority is made.
<First embodiment: Description of configuration Browsing server: Simulation result browsing and storage unit>

The 'simulation result viewing and storage unit' 0310 stores the acquired simulation results so that they can be viewed via the network.
"Storing so as to be viewable via a network" means, for example, that when a request to view is received via a network, the simulation results are transmitted via the network and stored in a format that allows the results to be viewed on the screen of the information terminal that sent the request to view.
The simulation results are stored in a non-volatile storage device such as a HDD in association with identification information so that they can be retrieved immediately in response to a viewing request. The identification information here is a combination of the identification information of the person to whom the explanation was given and the date the simulation was performed, and it is sufficient that the simulation results can be specified in response to a viewing request. If the person to whom the explanation was given has a URL for access, identification information is not particularly required, but the URL and the simulation results must be managed so that they correspond to each other. In addition, since it is necessary to prevent unauthorized access to the simulation results, it is preferable to not accept access other than from the viewing processing unit. It is possible to prevent the data that is the simulation results from being processed other than deletion, such as copying or moving, and to prevent deletion from being performed by any function other than that of the viewing server, but this is not limited to this. In addition, since it is necessary to prevent data from being lost unintentionally, it is preferable to use a highly reliable method such as RAID.
<First embodiment: Description of configuration: browsing server: browsing processing unit>

The 'browsing processing unit' 0311 associates the acquired simulation results with each other and processes them so that they can be browsed in response to a browsing request from a terminal in accordance with the acquired browsing conditions.
To perform the viewing process, first, the viewing conditions are checked to see if the accessing person is registered with the viewer identification information, and the simulation information is transmitted after allowing viewing only for authenticated access. The viewer identification information can be a registered user ID or a guest code that allows access only to certain simulation results, but the most secure method is to limit the access terminal. In this case, it is also possible to use the MAC address of the communication terminal used by the viewer.
Processing to make the results viewable refers to displaying the simulation results in a format that conforms to a predetermined rule, such as a graph or a table, and making the results viewable on the screen of an information terminal via a network or the like. This processing may be either a case where the information is displayed viewably on a web page that exists on the Internet and is dedicated to the viewing terminal, or a case where the information is made downloadable to the viewing terminal that has made the viewing request via the Internet or the like. In the former case, this is realized by opening a web page on the Internet that is viewable only when associated with the identification information. This is preferably configured so that the web page is created by accepting a viewing request. This web page is configured so that it is viewable only on the viewing unit of the viewing terminal, and the information may be configured so that it cannot be viewed on a general Internet browser. Furthermore, it is preferable to configure so that the viewing information that constitutes the simulation results is erased from the Internet when viewing is completed. Even when downloading, the data is preferably configured so that it cannot be viewed on a general data viewing tool, and is also preferably configured so that it can be viewed only on the viewing unit. In other words, it is configured so that the data file cannot be viewed even if the data file is copied and viewed on another terminal. In this case, the copying operation of the data file may be configured to be performed only via the functions of the viewing terminal, and a configuration may be provided to destroy the contents when the data file is copied and output to the outside.
<Embodiment 1 (mainly corresponds to claim 8): Operation method>

The above is the structure of the present invention, but the case where this is realized as an operating method is also within the scope of the present invention. That is, in the operating processing method of the consulting introduction system, the simulation terminal executes a variable input receiving step of receiving an input of variables for a simulation, a simulation execution step of executing a simulation using the received variables, a simulation result acquisition step of acquiring a simulation result that is a result of the executed simulation, a simulation result storage step of storing the acquired simulation result, a simulation result display step of displaying the stored simulation result, an upload receiving step of receiving an input of whether to upload the stored simulation result to a viewing server so that it can be viewed by others to receive consulting, a viewer selection step of selecting a person who will view the uploaded simulation result by viewer identification information, and an upload step of uploading the simulation result to the viewing server by adding the viewing conditions according to the selection result in the viewer selection unit if the received input is an input of uploading to the viewing server so that it can be viewed, and the viewing server executes a simulation result acquisition step of acquiring the uploaded simulation result from the upload unit of the simulation terminal together with the viewing conditions, a simulation result viewing and storage step of storing the acquired simulation result so that it can be viewed by a network, and a viewing processing step of processing the acquired simulation result so that it can be viewed in response to a viewing request from the terminal according to the acquired viewing conditions in association with the acquired simulation result.
<Processing flow of embodiment 1>

FIG. 5 is a flow chart showing the flow of processing in each device of the present invention.
First, a simulation terminal (such as a tablet terminal in this case) is started, and in order to carry out the simulation, information on the customer who is the person being explained to is entered in a variable input reception step (S0401). Specifically, on the screens of Figures 26, 27, 28, and 29, the information to be entered is confirmed and entered while having a face-to-face conversation with the person being explained to.
Once the information required to perform the simulation has been input, the simulation is executed (S0402). The execution of the simulation itself may be performed on the simulation terminal, or the input variables may be sent to an external simulation device and executed on the simulation device side. If the load of the simulation is small and does not require much processing time, it may be performed within the simulation terminal, but if the simulation requires complex calculations and takes a long time to process, it is better to perform it on an external dedicated simulation device.
Next, from the executed simulation results, information to be shown to the person being explained is selected and acquired (S0403) In the case where the simulation was executed in an external simulation device, the simulation results are acquired here.
The acquired simulation results are stored in the internal main memory (S0404). It is possible to store them in non-volatile memory such as flash memory, but in this case, they are temporarily stored in RAM since it is sufficient to view them and store them until they are uploaded. Since the input variables and results of the simulation contain personal information, it is preferable to temporarily store them in RAM since recording them in non-volatile memory would cause problems if the simulation terminal were lost and information were leaked.
The simulation results stored in the RAM are displayed on the screen of the application, and the contents are explained to the person being explained to while looking at them. (S0405) An example of the contents displayed here may be a table showing life events and expected expenditures in chronological order, or a graph as shown in FIG. 31 for easy understanding. It is desirable to be able to display the results of the simulation in various ways. In addition, information may be provided together with the simulation results, such as an explanation of financial products in the case of investments, or the contents of coverage in the case of insurance.
When the explanation is finished, the person being explained to is asked if he/she wishes to view the materials later, and if so, the upload is accepted (S0406). For this, an upload button is placed on the screen of the app, and when the button is pressed, the upload is accepted. In this embodiment, since a tablet device is assumed, the button is simply a display on the screen, and when the display part is pressed with a finger, the touch panel reacts and it is possible to recognize that the switch has been pressed.
After that, a viewer selection screen is displayed and the viewer's identification code is entered. The viewing conditions are set so that only customers who have the identification code specified here can view the data. (S0407) The viewer identification code can be something like a membership number, but for new customers, a method can be considered in which something like a guest code is issued and the customer enters it when viewing the data from the recipient's terminal. The guest code is unique in accordance with the simulation, and needs to be complex and not easily guessed. Since the simulation results contain personal information, the system needs to be designed so that they cannot be viewed by unintended third parties.
Once a viewer is selected, the simulation terminal starts uploading to the viewing server.
This completes the series of operations of the simulation terminal.
When the browsing server is started, it checks whether there is a request to upload the simulation results (S0409). If there is a request to upload, the simulation results are acquired and stored (S4010). If there is no request to upload, the processing of S0410 is skipped.
The simulation results are stored in a HDD, which is a non-volatile memory, in association with viewing conditions that indicate the viewer.
Thereafter, a viewing process step is executed (S0411). In the viewing process, when a viewing request is received from a viewing terminal, the viewing conditions are confirmed, and it is confirmed whether the viewer is authorized to view. If the viewer is authorized to view, the simulation result is transmitted to the viewing terminal.
Thereafter, it is confirmed whether or not the process has ended. If the process has ended, the process ends. If the process has not ended, the process returns to the step of obtaining simulation results S0409 and the same process is carried out again.
By performing the operations described above, the materials explained to the non-presenter can be shared with the presenter via the network while maintaining confidentiality.
<Embodiment 1 (mainly corresponds to claim 1): Hardware configuration>

The hardware configuration consists of a simulation terminal having a simulation result storage unit that stores the acquired simulation results, as shown in Figure 5, and a viewing server having a simulation result viewing storage unit that stores the acquired simulation results so that they can be viewed via a network, as shown in Figure 6.
The simulation terminal 0500 includes a CPU 0501, a bus 0502, a non-volatile memory (e.g., a hard disk, SSD) 0503, a main memory 0504, an I/O 0505, etc., and holds a variable input receiving program 0506 for receiving input of variables for a simulation, a simulation execution program 0507 for executing a simulation using the received variables, a simulation result acquisition program 0508 for acquiring a simulation result that is a result of the executed simulation, a simulation result storage program 0509 for storing the acquired simulation result, a simulation result display program 0510 for displaying the stored simulation result, an upload receiving program 0511 for receiving an input as to whether the stored simulation result should be uploaded to a viewing server so that it can be viewed by others for consulting, a viewer selection program 0512 for selecting a person who will be allowed to view the uploaded simulation result by viewer identification information, and an upload program 0513 for uploading the simulation result to the viewing server by adding the viewing conditions in accordance with the selection result in the viewer selection unit when the received input is an input to upload to the viewing server so that it can be viewed. The CPU then reads these programs, stores them in the main memory, and executes them.
The viewing server 0600 includes a CPU 0601, a bus 0602, a non-volatile memory (e.g., a hard disk, SSD) 0603, a main memory 0604, an I/O 0605, etc., and holds a simulation result acquisition program 0614 that acquires simulation results uploaded from an upload unit of a simulation terminal together with viewing conditions, a simulation result viewing and storage program 0615 that stores the acquired simulation results so that they can be viewed via a network, and a viewing processing program 0616 that associates the acquired simulation results with each other and processes them so that they can be viewed in response to a viewing request from the terminal according to the acquired viewing conditions.The CPU then reads out these programs, stores them in the main memory, and executes them.
<Embodiment 1 (mainly corresponds to claim 1): Effects>

As described above, the act of simulation creates materials or data customized for an individual, which can then be uploaded to a viewing server, making them viewable by the person being explained to and third parties authorized by the person being explained to, making it easy to share information, including personal information.
Therefore, as a specific usage scenario, when purchasing a financial product, a person who is explaining the financial product at a sales company or the like performs a simulation tailored to the circumstances of the person who is being explained about, such as the attributes and family structure of the person who is being explained about, and the results are uploaded to a server, making it possible to reuse the results at a later meeting, or to store and compare them over time as the circumstances of the person who is being explained about change. In addition, by combining with the second and subsequent embodiments, the simulation results can be shared with the information terminal of the person who is being explained about. In addition, by making it possible to provide information on finance at this time, it is possible to contribute to better decision-making of the person who is being explained about, and the person who is being explained about can also promote the sale of financial products, which is an extremely advantageous effect.
<Embodiment 2 (mainly corresponds to claim 2)>
<Embodiment 2 (mainly corresponding to claim 2): Overview>

The consulting introduction system according to this embodiment is a consulting introduction system that, in addition to the consulting introduction system according to embodiment 1, identifies the viewing terminal, which is the information terminal of the person being explained to, and outputs the simulation results to the viewing terminal, making them available for viewing.

<Embodiment 2 (mainly corresponding to claim 2): Configuration>
The consulting introduction system of this embodiment is a consulting introduction system that includes a simulation terminal 0300 having a variable input receiving unit 0301, a simulation execution unit 0302, a simulation result acquisition unit 0303, a simulation result storage unit 0304, a simulation result display unit 0305, an upload receiving unit 0306, a viewer selection unit 0307, and an upload unit 0308 shown in FIG. 3, and a viewing server 0390 having a simulation result acquisition unit 0309, a simulation result viewing storage unit 0310, and a viewing processing unit 0311, as shown in FIG. 7, and further includes a viewing terminal 0700 having a viewer identification information acquisition unit 0712 that acquires viewer identification information, a viewer identification information storage unit 0713 that stores the acquired viewer identification information, a viewing request output unit 0714 that outputs a viewing request which is a request to view the simulation result of the viewing server in association with the stored viewer identification information, and a viewing unit 0715 for viewing the simulation result processed by the viewing processing unit.
<Embodiment 2: Description of Configuration>
<Embodiment 2: Description of Configuration Viewing Terminal: Viewer Identification Information Acquisition Unit>

The 'viewer identification information acquisition unit' 0712 acquires viewer identification information.
As described above, the viewer identification information is information that uniquely identifies the viewer. Therefore, any number that does not overlap may be used. For example, if the viewer is assumed to be a registered member, the member number may be used, but an email address or a login ID for the service may also be used. The use of a personal number may also be considered. In addition, if the terminals that can be viewed are to be limited, the MAC address of the LAN interface may be obtained and used. In addition, if there is no login ID, a guest code may be issued by the simulation terminal. The guest code presented by the presenter may be registered as viewer identification information to enable viewing. The guest code may also be presented as a barcode or QR code (registered trademark).
The viewing terminal is expected to be a terminal such as a smartphone or a tablet terminal owned, managed, or occupied by the viewer, but is not limited to this and can be, for example, a desktop PC installed in the home or office of the viewer, such as the person being explained to.
<Embodiment 2: Description of Configuration Viewing Terminal: Viewer Identification Information Storage Unit>

The 'viewer identification information storage unit' 0713 stores the obtained viewer identification information.
The viewing terminal holds the viewer identification information acquired as described above by storing it in a non-volatile memory or the like.
<Embodiment 2: Description of Configuration Viewing Terminal: Viewing Request Output Unit>

A 'viewing request output unit' 0714 outputs a viewing request which is a request for viewing the simulation results of the viewing server in association with the retained viewer identification information.
The viewing request is output by transmitting the viewer identification information and the viewing request to the viewing server wirelessly or wired via a network. If the viewing terminal is a desktop PC, a wired LAN connection is possible, but in the case of a laptop PC, a smartphone, or a tablet terminal, communication via Wi-Fi (registered trademark) is common.
<Embodiment 2: Description of Configuration Viewing Terminal: Viewing Unit>

The 'viewing unit' 0715 views the simulation results processed by the viewing processing unit.
This viewing is performed by a viewing processing unit of the viewing server transmitting the simulation results and processing them so that they are displayed on the viewing terminal screen in a predetermined format such as a graph or table. The viewing format of the simulation results is not limited to these, and may be configured so that the person being explained to or the viewer can select from among predetermined formats, for example, by clicking a button. In the case of display on a PC, a format in which the results are displayed in a window or by a browser is also possible. In the case of a smartphone or tablet terminal, this corresponds to an app screen.
<Embodiment 2 (mainly corresponds to claim 2): Operation method>

As an operating method of the consulting introduction system of this embodiment 2, the simulation terminal executes a variable input receiving step 0801, a simulation execution step 0802, a simulation result acquisition step 0803, a simulation result storage step 0804, a simulation result display step 0805, an upload receiving step 0806, a viewer selection step 0807, and an upload step 0808, and the viewing server executes a simulation result acquisition step 0809, a simulation result viewing and storage step, and a viewing processing step, and in addition, the viewing terminal executes a viewer identification information acquisition step of acquiring viewer identification information, a viewer identification information storage step of storing the acquired viewer identification information, a viewing request output step of outputting a viewing request which is a request to view the simulation results of the viewing server in association with the stored viewer identification information, and a viewing step for viewing the simulation results processed by the viewing processing unit.
<Processing flow of embodiment 2>

8 is a flowchart showing a process flow as an operation method of the consulting introduction system of the present invention. Explanation of parts that overlap with the first embodiment will be omitted, and only the different parts will be explained.
As an example of the viewing terminal, a program running as an application on a smartphone is assumed here.
The explanation of this flowchart will proceed based on this assumption.
When the viewing terminal starts its operation, it first checks whether or not it is necessary to obtain viewer identification information, and if so, it obtains the viewer identification information. (S0812) For example, at startup, an input screen is displayed for inputting the member number or the guest code presented by the presenter. When the viewer enters the code here, it is stored in a non-volatile memory such as an internal flash memory. (S0813) If it is not necessary to obtain viewer identification information at the first startup, the processes of S0812 and S0813 are skipped. A state in which it is not necessary to obtain viewer identification information is a state in which viewer identification information has already been obtained and recorded in a non-volatile memory. Therefore, it is assumed that the processes of S0812 and S0813 are performed only the first time this application program is executed and will not be performed thereafter.
Next, a request to view the simulation results is output to the viewing server (S0814). At this time, the viewer identification information is also sent.
When a viewing request is received, the viewing server checks the viewer identification information and determines whether it matches the viewing conditions. If it matches, the viewing process (S0811) is performed, but if it does not match or if there is no viewing request, the viewing process is passed.
In the viewing process, the simulation results sent from the viewing server are displayed on the application screen of the viewing terminal (S0815). In addition, it is also possible to change the display according to the viewer's desired operation, such as to use a line graph that makes it easy to grasp the time series or a pie chart that makes it easy to grasp the ratio.
By the operating method described above, the viewing terminal can obtain the simulation results from the viewing server and view them.
<Embodiment 2 (mainly corresponds to claim 2): Hardware configuration>

The hardware configuration includes a simulation terminal 0500 having a simulation result storage unit for storing acquired simulation results as shown in Figures 5 and 6, a viewing server 0600 having a simulation result viewing storage unit for storing the acquired simulation results so that they can be viewed via a network, and a viewing terminal 0900 as shown in Figure 9.
The viewing terminal 0900 includes a CPU 0901, a bus 0902, a non-volatile memory (e.g., a hard disk, SSD) 0903, a main memory 0904, an I/O 0905, etc., and further holds a viewer identification information acquisition program 0917 for acquiring viewer identification information, a viewer identification information holding program 0918 for holding the acquired viewer identification information, a viewing request output program 0919 for outputting a viewing request which is a request for viewing the simulation results of the viewing server in association with the held viewer identification information, and a viewing program 0920 for viewing the simulation results processed by the viewing processing unit. The CPU then reads out these programs, stores them in the main memory, and executes them.
<Embodiment 2 (mainly corresponding to claim 2): Effects>

As described above, in the consulting introduction system according to the second embodiment, the simulation results used by the presenter when considering the purchase of a financial product can be viewed and downloaded on the information terminal of the viewer, the person being explained to, such as a smartphone, and the viewer can reuse the results later. For example, this has the effect of making it possible to review the simulation results after returning home, to show them to family members to share information before making a decision, or to present them to a financial institution to purchase a financial product.
<Third embodiment (mainly corresponding to claim 3)>
<Embodiment 3 (mainly corresponding to claim 3): Overview>

The consulting introduction system according to this embodiment is a system in which the viewing terminal can output viewing authority information to a third party terminal, and the terminal that receives the output functions as the viewing terminal. The viewing terminal may obtain third party identification information by receiving a new issue from the viewing server, or may obtain the information by selecting it from identification information already registered on the viewing terminal.
<Embodiment 3 (mainly corresponding to claim 3): Configuration>

The consulting introduction system of this embodiment is a simulation terminal 0300 having a variable input reception unit 0301, a simulation execution unit 0302, a simulation result acquisition unit 0303, a simulation result storage unit 0304, a simulation result display unit 0305, an upload reception unit 0306, a viewer selection unit 0307, and an upload unit 0308, as shown in FIG. 3, and a simulation result acquisition unit 0309 and a simulation result viewing and storage unit 0310. In addition to the viewing server 0390 having a viewing processing unit 0311, and the viewing terminal 1000 having, as shown in FIG. 10, a viewer identification information acquisition unit 1012, a viewer identification information holding unit 1013, a viewing request output unit 1014, and a viewing unit 1015, the viewing terminal further has a third party viewer identification information acquisition unit 1016 that acquires third party viewer identification information, which is viewer identification information for allowing a third party to view the simulation results, at the viewing processing unit, and a third party viewer identification information output unit 1017 that outputs the acquired third party viewer identification information.
<Embodiment 3: Description of Configuration>
<Embodiment 3: Description of configuration Viewing terminal: Third-party viewer identification information acquisition unit (embodiment 1)>

The 'third party viewer identification information acquisition unit' 1016 acquires third party viewer identification information, which is viewer identification information for allowing a third party to view the simulation result in the view processing unit.
The third-party viewer identification information acquisition unit requests the viewing server, etc. to issue third-party viewer identification information, and the viewing server, etc. issues viewer identification information and responds as third-party viewer identification information. If it can be determined that the requested third-party viewer is already registered, the viewer identification information is responded as third-party viewer identification information. Even if the third-party viewer is not yet registered, in principle, if the request is genuine, the third-party viewer identification information is responded. Whether the request is genuine is mainly determined by whether the request has authority. In principle, the viewer or viewing terminal that originally obtained the right to view the simulation result has the authority to request, and is the subject permitted by the initial viewing conditions. When the viewing server issues viewer identification information, it does not matter whether it is possible to view only the requested simulation result, or whether it is possible to register the viewer as a new viewer and use it as a viewing condition for other simulation results. The third-party viewer identification information is information that uniquely identifies a third party (e.g., a financial institution, a family member, etc.) with whom the person to whom the explanation is to be shared wants to share the simulation results, and is assumed to be provided as an application ID or email address of a simulation result viewing application installed on a mobile device such as a smartphone owned by the third-party viewer, a login ID or password of a simulation site operated by the system operating company to which the person to whom the explanation belongs, etc. In addition, like the viewer identification information, this information may be acquired by inputting it by the person to whom the explanation is to be provided when installing the application or logging in to the site, may be assigned randomly or sequentially by the operating company, may be assigned to reflect the viewer's attributes, and may be assigned independently if the third-party viewer has already acquired viewer identification information. The third-party viewer identification information may be information to which additional information has been added to the viewer identification information. For example, information in which a branch number has been added to the identification information held in the viewing terminal is conceivable. This is because the viewing server can identify whether the person to whom the explanation was originally distributed the identification information accessed the viewing or the third-party viewer who obtained permission from the person to whom the explanation is to be provided accessed the viewing, and recognize the association between the information and the information. It is also possible to configure information to which additional information has been added to the original identification information as the third-party viewer identification number.
<Embodiment 3: Description of configuration Viewing terminal: Third-party viewer identification information output unit>

A 'third-party viewer identification information output unit' 1017 outputs the acquired third-party viewer identification information.
This output is performed by transmitting the output from the viewing terminal to an information terminal owned, managed, or occupied by a third-party viewer via a network. This can be performed, for example, by sending an email to the third party with a URL that enables the simulation results to be viewed, or by sending an email with an application ID (which may be viewer identification information) together with a download URL of an application for viewing the simulation results, by transmitting the URL to the information terminal of the third-party viewer via short-range wireless communication, or by outputting the URL in the form of a QR code (registered trademark) and having the third-party viewer read the code with a QR code (registered trademark) reader to use the code to access the viewing server, but is not limited to these methods.
<Embodiment 3: Description of configuration Viewing terminal: Third-party viewer identification information acquisition unit (embodiment 2)>

The third party viewing information acquisition unit can also be configured to acquire information from within the viewing terminal. In this case, it is possible to hold viewer identification information registered in advance and select from it, or to issue a new one. In this case, a service such as that described below is assumed. In addition to the case where the person being explained selects a known third party, there are often no third parties with specialized knowledge to consult with. Therefore, the consulting introduction system of the present invention introduces a person to consult with. For example, as shown in FIG. 33, a service in which multiple financial planners are displayed, the person being explained selects the financial planner he or she wants to consult with, and an app that applies for consultation introduces a third party to be the consultant. When the person being explained wants to consult with a third party, the person applies for consultation with the desired financial planner, shares simulation materials, and then can consult with the desired consultation method, such as a face-to-face meeting, online consultation, or consultation by email. In the case of such a system, the third party identification information acquisition unit has a role of generating identification information of the selected financial planner. Specifically, it is configured to hold identification information of selectable financial planners and respond with identification information corresponding to the financial planner selected by the person being explained. In addition, the third party viewer identification information acquisition unit may generate the information randomly, for example. In either case, in order to enable browsing using the acquired third-party viewer identification information, the third-party viewer identification information output unit outputs the information to the browsing server.
<Embodiment 3: Description of configuration Viewing terminal: third-party viewer identification information output unit (embodiment 2)>
When the third-party viewer identification information is generated on the viewing terminal, the third-party viewer identification information output unit responds with the third-party viewer identification information directly to the viewing server, updating the viewing conditions on the viewing server side and notifying the financial planner that a consultation request has been made. This allows the financial planner to check the simulation results from the viewing server without performing any special authentication operations.
<Embodiment 3 (mainly corresponds to claim 3): Operation method>

As an operating method of the consulting introduction system of this embodiment 3, as shown in FIG. 11, the simulation terminal executes a variable input receiving step 1101, a simulation execution step 1102, a simulation result acquisition step 1103, a simulation result storage step 1104, a simulation result display step 1105, an upload receiving step 1106, a viewer selection step 1107, and an upload step 1108, and the viewing server executes a simulation result acquisition step 1109, a simulation result viewing and storage step 1110, and a viewing processing step 1111. In addition, the viewing terminal executes a viewer identification information acquisition step 1112, a viewer identification information storage step 1113, a viewing request output step 1114, and a viewing step 1115, and further executes a third party viewer identification information acquisition step 1116 for acquiring third party viewer identification information, which is viewer identification information for allowing a third party to view the simulation results, in the viewing processing unit, and a third party viewer identification information output step 1117 for outputting the acquired third party viewer identification information.
<Processing flow of embodiment 3>

11 is a flowchart showing a process flow as an operation method of the consulting introduction system of the present invention. Explanation of parts that overlap with the second embodiment will be omitted, and only the different parts will be explained.
The viewing terminal allows the simulation contents to be viewed in the viewing step S115, and when the person being explained has finished viewing, it checks whether or not to consult a third party about the simulation contents. Here, it is possible to display a message encouraging the person being explained to consult, such as the merits of consulting a third party or a recommended financial planner. When the person being explained selects that he or she wishes to consult a third party, the process proceeds to a third party identification information acquisition step (S1112). Here, when selecting a family member of the person being explained, or a person in charge at a financial institution with which the person is originally consulting, if there is already known third party viewing identification information such as a user ID, the information is entered, and if there is no such information, a method is considered in which an individual code corresponding to each simulation result, such as a guest code, is issued on the application side. When a guest code is selected, the person being explained notifies the third party viewer of the code. Also, when a financial planner recommended on the application side is selected, the corresponding third party viewing identification information is issued. After that, the issued third party viewing identification information is sent. (S1117) At this time, the destination may be a case where the information is sent to the viewing server, or a case where the information is sent to both the viewing server and the third party's communication terminal. The viewing server updates the viewing conditions based on the acquired third-party viewing identification information, and the third party's communication terminal creates an environment for the viewing terminal, performs authentication using the third-party viewing identification information, and views the simulation results. The third-party viewing identification information may be output in the form of a barcode or a QR code (registered trademark). The recipient may send this by email or the like to the third party who wishes to view the results, but any method other than that described above that provides the third party with viewing authentication may be used. If the recipient does not wish for a third party to view the results, steps S1116 and S1117 are skipped.
Third embodiment (mainly corresponds to claim 3): Hardware configuration

The hardware configuration includes a simulation terminal 0500 having a simulation result storage unit that stores the acquired simulation results shown in Figures 5 and 6, a viewing server 0600 having a simulation result viewing storage unit that stores the acquired simulation results so that they can be viewed via a network, and a viewing terminal 1200 shown in Figure 12.
The viewing terminal 1200 includes a CPU 1201, a bus 1202, a non-volatile memory (e.g., a hard disk, SSD) 1203, a main memory 1204, an I/O 1205, etc., and further holds a viewer identification information acquisition program 1212, a viewer identification information holding program 1213, a viewing request output program 1214, a viewing program 1215, as well as a third party viewer identification information acquisition program 1221 for acquiring third party viewer identification information, which is viewer identification information for allowing a third party to view the simulation results, in a viewing processing unit, and a third party viewer identification information output program 1222 for outputting the acquired third party viewer identification information. The CPU then reads out these programs, stores them in the main memory, and executes them.
<Embodiment 3 (mainly corresponding to claim 3): Effects>

As described above, in the consulting introduction system according to the third embodiment, the viewing terminal can output viewing authority information to a third party's terminal. In this way, the person to whom the explanation is given has the authority to grant a third party the authority to view (or additionally download) the simulation results, so that the simulation results regarding the person to whom the explanation is given can be shared with third parties such as family members and financial institutions, and a decision to purchase a financial product can be made in consultation with these people. That is, for example, the purchase of a financial product can be discussed and a decision to purchase can be made in consideration of the family's asset situation, the payment, savings, and receipt status of insurance and pension, and the management status of the assets held, and by disclosing one's own assets and income and expenditure situation and the outlook for changes therein to a financial institution, it is possible to obtain advice on the purchase of more suitable securities and financial products.
<Fourth embodiment (mainly corresponding to claim 4)>
<Fourth embodiment (mainly corresponding to claim 4): Overview>

The assumed usage scenario for this embodiment is a scenario in which a financial product or the like is sold to a new customer, a simulation is performed, the customer is registered in a viewing server, etc., and the simulation results are uploaded to the viewing server so that the customer can view the simulation results on his/her own terminal. In other words, in this embodiment, the procedure is to perform a simulation first, and then to register the customer.
The consulting introduction system of this embodiment, in addition to the consulting introduction system of embodiment 2 or 3, does not issue third-party viewer identification information, or in addition to issuing such information, notifies the terminal identified by the email address from the viewing server of the viewer identification information.
<Embodiment 4 (mainly corresponding to claim 4): Configuration>

As shown in FIG. 13, the consulting introduction system of this embodiment includes a simulation terminal 1300 having a variable input receiving unit 1301, a simulation execution unit 1302, a simulation result acquisition unit 1303, a simulation result storage unit 1304, a simulation result display unit 1305, an upload receiving unit 1306, a viewer selection unit 1307, and an upload unit 1308, a viewing server 1390 having a simulation result acquisition unit 1309, a simulation result viewing and storage unit 1310, and a viewing processing unit 1311, and a viewing terminal 0700 having a viewer identification information acquisition unit 0712, a viewer identification information storage unit 0713, a viewing request output unit 0714, and a viewing unit 0715 as shown in FIG. The browsing server has an unknown viewer selection means 1318 for selecting a viewer for which there is no information in the browsing server, a viewer email address input prompting means 1319 for prompting the input of the email address used by a viewer for which there is no information in the browsing server when a viewer is selected, an email address storage means 1320 for storing the input email address, and an email address output unit 1321 for outputting the stored email address to the browsing server, and the browsing server has an email address acquisition unit 1322 for acquiring the output email address, and the browsing processing unit is composed of a URL of the simulation result stored in the simulation result browsing storage unit with the email address as the destination when an email address is acquired, and a URL viewer identification information notification means 1323 for notifying the viewer identification information.
<Fourth embodiment: description of configuration>
<Embodiment 4: Description of Configuration Simulation Terminal: Unknown Viewer Selection Means>

The 'unknown viewer selection means' 1318 selects a viewer about which information is not available in the viewing server in the viewer selection section of the simulation terminal.
The presenter allows the person being presented with information, who is not yet registered on a viewing server, etc., to view the simulation results using his/her own simulation terminal, and confirms whether the person being presented with information wishes to share the simulation results. If the person wishes to share the simulation results, the presenter selects a request to share the simulation results with the unknown viewer who is a new viewer (this does not necessarily have to be expressed as a button, option, etc. that indicates the same intention; in other words, this "intention" is not necessarily limited to this) and inputs this into the simulation terminal.
<Fourth embodiment: explanation of configuration: Simulation terminal: email address input prompting means>

The "email address input prompting means" 1319 prompts the user to input the email address used by the user when the user whose information is not available on the viewing server is selected. This is a procedure for issuing new viewer identification information for the user.
In the above-mentioned input, if it is desired to share the simulation results with an unknown viewer, there is no information about the unknown viewer in the viewing server. In this case, an input screen is displayed on the simulation terminal screen, prompting the user to register the email address of the unknown viewer. The user then follows the prompt to enter the email address of the person being explained to. It is desirable to configure the system so that only one email address can be entered. This is because the simulation results are personal information, and allowing multiple people to view them simultaneously increases the possibility of information leakage. Also, when configuring the system so that multiple email addresses can be entered, it is possible to configure the viewing server so that the simulation results cannot be viewed simultaneously on multiple terminals.
<Fourth embodiment: explanation of configuration: Simulation terminal: email address storage unit>

The 'email address storage means' 1320 stores the input email address.
From the viewpoint of protecting personal information, it is desirable to store the email address in RAM and erase it after sending it to the viewing server. The simulation terminal is a tablet terminal, and it is expected that it will be taken to the client's site. Therefore, there is a risk of theft or loss, and there is a possibility of personal information being leaked, so important information is stored temporarily and erased when it is no longer necessary.
<Fourth embodiment: description of configuration simulation terminal: email address output unit>

An 'email address output unit' 1321 outputs the stored email address to the browsing server via the network.
The simulation terminal is a tablet terminal, and therefore it is connected to the Internet via Wi-Fi (registered trademark), mobile communication, etc. Also, when using a portable access point or the tethering function of a smartphone, it may be connected via Bluetooth (registered trademark) or USB (registered trademark) in addition to Wi-Fi (registered trademark), but any method of connecting to a network is included.
<Fourth embodiment: Description of configuration Browsing server: Email address acquisition unit>

The 'acquiring email address unit' 1322 acquires the output email address.
The browsing server receives the email address of the unknown visitor sent from the simulation terminal via the network, and uses the received email address as a destination email address for the URL visitor identification information notification means.
<Fourth embodiment: Description of configuration Browsing server: URL viewer identification information notifying means>

When an email address is acquired in the browsing processing unit, the "URL viewer identification information notification means" 1323 notifies the URL of the simulation result stored in the simulation result browsing storage unit and the viewer identification information, with that email address as the destination.
The viewing server transmits a URL, which is a link for viewing the simulation result, and the viewer identification information to the unknown viewer's email address. In addition, it is also possible to transmit viewer identification information, which is third-party viewer identification information given to the unknown viewer, together with the above. This allows the unknown viewer to view the simulation result by using the viewer identification information, which is the application ID of the person described, as the application ID of the simulation result viewing application downloaded to his/her information terminal such as a smartphone, or by logging in to the site of the operating company using the viewer identification information. In addition, at this time, the third-party viewer identification information may be output in the manner described in the third embodiment, and an email may be sent together with the third-party viewer identification information. Note that the URL to be sent may be configured to be selectable from various URLs according to the viewing conditions. For example, a URL with a limited viewing time, a URL with further limited viewing content, a URL with limited viewing time, a URL with restrictions on the type of terminal or the type of OS used on the terminal, etc.

It is assumed that a person who accesses the viewing server using third-party viewer identification information, or a third-party viewer who accesses the viewing server using the viewer identification information of the person being explained to, does not have the authority to grant these identification information to other third-party viewers, but only has the authority to view the simulation results. However, it is also possible to configure the third-party viewer to be given the authority to grant identification information to other third-party viewers with the consent of the person being explained to, or to be allowed to view the results in the manner of the embodiment 5 described below. It is also possible to configure the third-party viewer to only have the authority to view the simulation results, but not to be given the authority to download them. It is also possible to configure the third-party viewer to be able to view the results for a limited period of time. For example, it is also possible to configure the results to be viewable only during the consultation time on the day the person being explained to presents the results to a financial institution to discuss the purchase of a financial product. This makes it possible to prevent the simulation results, including the personal information of the person being explained to, from being spread or leaked by the third-party viewer in a misleading manner, or from being used for purposes other than those intended.

Also, the third party viewer and the person being explained may be configured to be able to view different contents, and the content viewed by the third party viewer may be limited. Also, the attribute information of the person being explained, which is the basis for calculating the simulation result, may be configured to be viewable by the third party viewer, but the viewing range may be limited or the viewing may be prohibited. This viewing range may be configured to be different for each third party viewer when there are multiple third party viewers. For example, when the spouse is allowed to view attribute information regarding the asset status of the person being explained, information regarding personal assets may be prohibited from being viewed, or when a financial institution is the third party viewer, only the simulation result may be viewable, and the attribute information on which the result is based may not be displayed.
<Embodiment 4 (mainly corresponds to claim 4): Operation method>

As an operation method of the consulting introduction system of the present embodiment 4, the simulation terminal executes a variable input reception step 1401, a simulation execution step 1402, a simulation result acquisition step 1403, a simulation result storage step 1404, a simulation result display step 1405, an upload reception step 1406, a viewer selection step 1407, and an upload step 1408, the viewing server executes a simulation result acquisition step 1409, a simulation result viewing and storage step 1410, and a viewing processing step 1411, and the viewing terminal executes a viewer identification information acquisition step 1412, a viewer identification information storage step 1413, a viewing request output step 1414, a viewing step 1415, and in addition, the viewer selection step of the simulation terminal is a viewing The method includes an unknown viewer selection substep 1418 for selecting a viewer for which there is no information in the server, a viewer email address input prompt substep 1419 for prompting the input of the email address used by a viewer for which there is no information in the viewing server when a viewer is selected, an email address storage substep 1420 for storing the input email address, and an email address output step 1421 for outputting the stored email address to the viewing server, and the viewing server includes an email address acquisition step 1422 for acquiring the output email address, and the viewing processing step executes a URL of the simulation result stored in the simulation result viewing storage unit and a URL viewer identification information notification substep 1423 for notifying the viewer identification information, with the email address as the destination when the email address is acquired.
<Processing flow of embodiment 4>

14 is a flowchart showing a process flow as an operation method of the consulting introduction system of the present invention. Explanation of parts that overlap with the third embodiment will be omitted, and only the different parts will be explained.
In addition to the process of selecting the person to be explained as the viewer, the viewer selection step S1407 transitions to an unknown viewer selection substep when an unknown viewer is selected. An unknown viewer may be selected when the person to be explained wishes to share the simulation information with a knowledgeable family member or acquaintance, or when the person to be explained is a new customer. In the unknown viewer selection substep, for example, a button such as "New View" is placed at the end of the simulation screen, and the user presses the button to transition to an information input screen for a new viewer. (S1418) After that, a screen for inputting the viewer's email address is displayed. (S1419) When the viewer's email address is input and confirmed (such as by pressing an OK button), the email address is temporarily stored in RAM in association with the viewer identification information. (S1420) Since the email address is personal information, it is preferable to temporarily store it from the viewpoint of protecting personal information, but it may also be possible to record it in a non-volatile memory. In this case, the email address can be managed as a customer address book, etc., improving the convenience of customer support. Then, after uploading the simulation results (S1408), if the email address is held, the email address is sent to the browsing server via the network. This completes the flow of processing for adding a simulation terminal.
If the viewing server receives an email address from the simulation terminal, it acquires the email address (S1409) and processes the URL viewer identification information notification step (S1422). If no email address is notified, the processing of S1422 is skipped. In the URL viewer identification information notification step, a URL for checking the simulation results and viewer identification information are sent to the acquired email address by email. The URL is the address of a web page on the Internet, but it may be a character or a coded form such as a QR code (registered trademark).
The above is the additional processing in the browsing server.
<Fourth embodiment (mainly corresponding to claim 4): Hardware configuration>

The hardware configuration includes a simulation terminal 1500 having a simulation result storage unit for storing acquired simulation results, as shown in FIG. 15, a viewing server 1600 having a simulation result viewing storage unit for storing the acquired simulation results shown in FIG. 16 so that the results can be viewed via a network, and a viewing terminal 0900 as shown in FIG. 9.
The simulation terminal 1500 includes a CPU 1501, a bus 1502, a non-volatile memory (e.g., a hard disk, SSD) 1503, a main memory 1504, an I/O 1505, and the like, and in addition to a variable input reception program 1506, a simulation execution program 1507, a simulation result acquisition program 1508, a simulation result storage program 1509, a simulation result display program 1510, an upload reception program 1511, a viewer selection program 1512, and an upload program 1513, the viewer selection step further holds an unknown viewer selectable subprogram 1523 for selecting a viewer whose information is not available in the viewing server, a viewer email address input prompt subprogram 1524 for prompting the input of an email address used by the viewer when a viewer whose information is not available in the viewing server is selected, an email address storage subprogram 1525 for storing the input email address, and an email address output program 1526 for outputting the stored email address to the viewing server. The CPU then reads out these programs, stores them in the main memory, and executes them.
The browsing server 1600 includes a CPU 1601, a bus 1602, a non-volatile memory (e.g., a hard disk, SSD) 1603, a main memory 1604, an I/O 1605, etc., and has a simulation result acquisition program 1614, a simulation result browsing storage program 1615, a browsing processing program 1616, and an email address acquisition program 1627 for acquiring an output email address, and when an email address is acquired, the browsing processing program stores the URL of the simulation result stored in the simulation result browsing storage unit with the email address as the destination, and a URL viewer identification information notification subprogram 1628 for notifying the viewer identification information. The CPU then reads out these programs, stores them in the main memory, and executes them.
<Embodiment 4 (mainly corresponding to claim 4): Effects>

As described above, in the consulting introduction system according to the fourth embodiment, the viewing server notifies the terminal identified by the email address of the viewing user identification information without issuing the third-party viewing user identification information, or in addition to issuing the third-party viewing user identification information, thereby giving the financial institution or the like permission to temporarily share the simulation results without viewing user registration, thereby making it possible to share the simulation results.
In addition, if the person being explained to is a new customer who has not registered as a user, sharing information in this manner is effective in developing new customers.
<Fifth embodiment (mainly corresponding to claim 5)>
<Fifth embodiment (mainly corresponding to claim 5): Overview>

The consulting introduction system of this embodiment is a consulting introduction system that, in addition to the consulting introduction system of embodiment 4, makes it possible to download a program for viewing the simulation results to an information terminal held by the viewer, such as the person being explained to, and to configure a viewing terminal.
<Form 5 (mainly corresponding to claim 5): Configuration>

The consulting introduction system of this embodiment is the consulting introduction system of embodiment 4, and includes a simulation terminal 1300 having a variable input receiving unit 1301, a simulation execution unit 1302, a simulation result acquisition unit 1303, a simulation result storage unit 1304, a simulation result display unit 1305, an upload receiving unit 1306, a viewer selection unit 1307, an unknown viewer selection means 1318, a viewer email address input prompting means 1319, an email address storage means 1320, an email address output unit 1321, and an upload unit 1308 shown in FIG. 13, and a browsing server 1709 having a simulation result acquisition unit 1709, a simulation result browsing storage unit 1710, a browsing processing unit 1711, a URL viewer identification information notifying means 1723, and an email address acquisition unit 1722 as shown in FIG. In addition to the viewing terminal 0700 having, as shown in FIG. 7, a viewer identification information acquisition unit 0712, a viewer identification information retention unit 0713, a viewing request output unit 0714, and a viewing unit 0715, the viewing server 1700 has a viewing terminal configuration program retention unit 1724 which retains a viewing terminal configuration program which is a program for configuring a viewing terminal on a general-purpose computer, a download request acceptance unit 1725 which accepts a download request for the retained viewing terminal configuration program, and a viewing terminal configuration program download unit 1726 which, when a download request is accepted, downloads the viewing terminal configuration program in response to the request, and the viewing processing unit is composed of a download request URL notification means 1727 which notifies the download request acceptance unit of a download request URL to an address to which the URL is notified.
<Fifth embodiment: description of configuration>
<Embodiment 5: Description of Configuration Browsing Server: Browsing Terminal Configuration Program Storage Unit>

The viewing terminal configuration program storage unit 1724 stores a viewing terminal configuration program, which is a program for configuring a viewing terminal on a general-purpose computer in the viewing server. The viewing terminal configuration program may be an installer that is installed and executed on a smartphone or the like that constitutes the viewing terminal, or it may be a program that is downloaded each time and executed on a browser.
The viewing terminal configuration program includes a program for retaining viewer identification information and a program for performing the necessary processing for viewing the simulation results in a predetermined format such as a table or graph. Specifically, it is a viewing application program that allows the viewer to view the simulation results on a smartphone carried by the viewer. The configured viewing terminal may be configured to have a standalone simulation function. "General-purpose computers" include desktop computers and notebook computers that use so-called general-purpose OS (such as LINUX (registered trademark), WINDOWS (registered trademark), etc.), as well as portable terminals such as mobile phones, smartphones, tablet terminals, and book reader terminals.
<Embodiment 5: Description of Configuration Browsing Server: Download Request Reception Unit>

'Download request receiving unit' 1725 receives a request to download a retained browsing terminal configuration program.
It is assumed that the download request receiving unit of the viewing server receives the download request from the viewing terminal via the network, but this is not limiting, and a viewing application server or the like may be configured separately from the viewing server. When the download request is received, the viewing terminal configuration program download unit is instructed to start downloading. It is preferable to configure the viewing server to have a function of checking whether the download request is made based on a genuine notification notified by a download request URL notifying unit described below. The determination of whether the notification is genuine can be configured to determine whether a code contained in the notification or information based on the code is included in the return request.
<Embodiment 5: Description of Configuration Browsing Server: Browsing Terminal Configuration Program Download Unit>

When a viewing terminal configuration program download unit 1726 receives an instruction to start downloading from a download request receiving unit, it downloads the viewing terminal configuration program in response to the request.
This is performed by transmitting a viewing terminal configuration program from the viewing server to the viewing terminal via a network. The viewing terminal configuration program can be configured to be selected from a plurality of types of programs and downloaded. This selection can be configured to be included in key information contained in a notification made by a download request URL notification unit, which will be described later. In a general-purpose computer, the key information or information generated based on the key information can be configured to be included in the download request and transmitted, and the selection can be made based on the key information, etc.
<Embodiment 5: Description of Configuration Browsing Server: Download Request URL Notification Means>

The 'download request URL notification means' 1727 notifies the address of the URL notification in the browsing processing section of the download request URL for the download request acceptance section.
In addition, when notifying the unknown viewer, who is the new third-party viewer, of the URL where the simulation results can be viewed, a URL for a download request is notified so that the unknown viewer can also simultaneously request to download the viewing terminal configuration program. This allows the unknown viewer to download the viewing terminal configuration program to his/her own terminal such as a smartphone and view the simulation results using a viewing app or the like. The URL that allows the unknown viewer to view the simulation results can also be configured to be accessible for a limited period of time after this information is notified to the third-party viewer, for example. This makes it possible to prevent the simulation results, including the personal information of the person to whom the information is provided, from being spread or leaked by the third-party viewer in a mischievous manner, or from being used for purposes other than those intended, as described above in the fourth embodiment.
<Fifth embodiment (mainly corresponding to claim 5): Operation method>

The operation method of the consulting introduction system of the present embodiment 5 is shown in Fig. 18. The simulation terminal executes a variable input reception step 1801, a simulation execution step 1802, a simulation result acquisition step 1803, a simulation result storage step 1804, a simulation result display step 1805, an upload reception step 1806, a viewer selection step 1807, an unknown viewer selection possible substep 1818, a viewer email address input prompt substep 1819, an email address storage substep 1820, an email address output step 1821, and an upload step 1808, and the viewing server has a simulation result acquisition step 1809, a simulation result viewing and storage step 1810, a viewing process step 1811, and a URL viewer identification information notification substep 1823, and in addition, a viewing terminal configuration program storage step that stores a viewing terminal configuration program which is a program for configuring a viewing terminal on a general-purpose computer. a download request receiving step 1824 of receiving a request to download the retained viewing terminal configuration program, and a viewing terminal configuration program download step 1826 of downloading the viewing terminal configuration program in response to a download request when received, and the viewing processing step further has a download request URL notification substep 1827 of notifying the download request receiving unit of a URL for a download request to the address that notifies the URL, and the viewing terminal executes a viewer identification information acquisition step 1812, a viewer identification information retaining step 1813, a viewing request output step 1814, a viewing step 1815, a third party viewer identification information acquisition step 1816, a third party viewer identification information output step 1817, a viewing terminal configuration program acquisition step 1828, and a viewing terminal configuration program deployment step 1829.
<Processing flow of embodiment 5>

18 is a flowchart showing the flow of control in embodiment 5. Explanation of parts that overlap with embodiment 4 will be omitted.
When the viewing server receives an email address notification from the simulation terminal, it acquires the email address (S1822) and sends an email containing a URL indicating the location of the download program to the acquired email address (S1827). If an email address has not been acquired, the process of S1827 is skipped. If there is a download request thereafter, the viewing terminal configuration program is downloaded. (S1826) If there is no download request, the process of S1826 is skipped.
The viewing terminal is a program that runs on a communication terminal such as a smartphone, and when it receives an email from the viewing server and obtains a download URL, it starts operating as a viewing terminal by accessing the download URL. First, a download request is issued by accessing the download URL. After that, the download starts, and when the program download is completed, it is deployed on the smartphone so that it can operate, and the viewing terminal starts operating.
As a result of the above, even if a communication terminal such as a smartphone does not have a dedicated program, it can acquire the appropriate program and operate as a viewing terminal.
<Fifth embodiment (mainly corresponding to claim 5): Hardware configuration>

The hardware configuration includes a simulation terminal 1500 having a simulation result storage unit that stores the acquired simulation results shown in FIG. 15, a viewing server 1900 having a simulation result viewing storage unit that stores the acquired simulation results shown in FIG. 19 so that they can be viewed via a network, and a viewing terminal 0900 shown in FIG. 9.
The viewing server 1900 is equipped with a CPU 1901, a bus 1902, a non-volatile memory (e.g., a hard disk, SSD) 1903, a main memory 1904, an I/O 1905, etc., and in addition to a simulation result acquisition program 1914, a simulation result viewing retention program 1915, a viewing processing program 1916, a URL viewer identification information notification subprogram 1926, and an email address acquisition program 1925, it has a viewing terminal configuration program retention program 1929 that retains a viewing terminal configuration program which is a program for configuring a viewing terminal on a general-purpose computer, a download request acceptance program 1930 that accepts a download request for the retained viewing terminal configuration program, and a viewing terminal configuration program download program 1931 that, when a download request is accepted, downloads the viewing terminal configuration program in response to the request, and the viewing processing program further retains a download request URL notification subprogram 1932 that notifies the address that notifies the URL of a download request URL to the download request acceptance unit. The CPU then reads these programs, stores them in the main memory, and executes them.
<Embodiment 5 (mainly corresponding to claim 5): Effects>

As described above, in the consulting introduction system according to the fifth embodiment, a program for viewing the simulation results can be downloaded to an information terminal owned by a viewer such as a person to whom the explanation is given, and a viewing terminal can be configured. This eliminates the need for the viewer to prepare a separate environment for viewing, and allows the viewer to view the results without being particularly aware of installing a program. In addition, when a URL enabling the viewing of the simulation results is transmitted to an unknown viewer, the viewer can simultaneously download a viewing terminal configuration program to his or her own terminal such as a smartphone, and view the simulation results using a viewing app, etc., which makes viewing easier.
<Sixth embodiment (mainly corresponding to claim 6)>
<Sixth embodiment (mainly corresponding to claim 6): Overview>
The consulting introduction system according to this embodiment is a consulting introduction system that, in addition to the consulting introduction system according to the first embodiment, etc., performs simulations for individual financial products, etc., and makes the results available for viewing.
<Embodiment 6 (mainly corresponding to claim 6): Configuration>

In the consulting introduction system according to this embodiment, as shown in FIG. 20, in addition to a simulation terminal 2000 having a variable input receiving unit 2001, a simulation execution unit 2002, a simulation result acquisition unit 2003, a simulation result storage unit 2004, a simulation result display unit 2005, an upload receiving unit 2006, a viewer selection unit 2007, and an upload unit 2008, and a simulation result acquisition unit 0309, and as shown in FIG. 3, a viewing server 0390 having a simulation result viewing storage unit 0310 and a viewing processing unit 0311, the simulation terminal has a product identification information storage unit 2028 that stores product identification information for identifying a product, the variable input receiving unit has a product-specific variable input receiving means 2029 that receives input of product-specific variables that are variables associated with the stored product identification information, and the simulation result storage unit has a product-specific simulation result storage means 2030 that stores product-specific simulation results that are simulation results including variables associated with the product identification information.
<Sixth embodiment: description of configuration>
<Sixth embodiment: Description of configuration Simulation terminal: Product identification information storage unit>

The 'product identification information storage unit' 2028 stores product identification information for identifying a product.
Product identification information is information that uniquely identifies each product, and when it is assigned in a series, it does not matter whether it is assigned according to the product classification (e.g., insurance, investment trust, etc.) or the sales company code, etc. In addition, information indicating the characteristics of the product is also stored in association with this identification information. For example, information related to the investment target, investment yield, risk, trustee fee, purchase fee, currency, and other information required for product selection.
Investment targets include domestic stocks, foreign stocks, domestic bonds, foreign bonds, real estate, gold, commodities, etc., and may be used as filters when selecting products. Investment yield is the annual profit rate, and may be used as a sorting criterion when selecting products. Risk may be the maximum expected annual decline rate, ratings by rating agencies, etc., and is information that must be taken into consideration when purchasing. In addition, trustee fees and purchase fees are conditions to be considered when purchasing, and may be used as sorting criteria.
<Sixth embodiment: Description of configuration: Simulation terminal: Product-specific variable input receiving means>

The 'product-specific variable input receiving means' 2029 receives input of product-specific variables, which are variables associated with the product identification information held in the variable input receiving section.
This makes it possible to perform simulations using necessary variables according to the characteristics of each product.
For example, it is expected that for education insurance, information such as the number of children, their dates of birth, and school type will be required to be entered.
Other variables to consider when it comes to financial products include the method of purchasing the product (either an equal monthly amount or an equal number of shares) and how dividends and dividends are handled (whether to reinvest or receive them).
In addition, with insurance products, premiums vary depending on conditions, so it may be necessary to enter information such as death benefits, hospitalization benefits, lump sum payments at the time of surgery, and whether to pay annually or monthly.
<Sixth embodiment: explanation of configuration: Simulation terminal: storage means for simulation results by product>

The 'storage means for simulation results by product' 2030 stores, in a simulation result storage unit, simulation results by product, which are simulation results including variables associated with the product identification information.
This allows the recipient to compare the simulation results between products and make a purchasing decision. It is desirable to configure the simulation results so that they can be viewed not only for each individual product, but also for multiple products at once. This makes it possible to make a purchasing decision after comparing how income/expenses and asset status would change if different financial products were purchased. It is also conceivable to make it possible to view the income/expenses and asset status when multiple financial products are purchased at a specified ratio from the recipient's budget at once. In this case, the configuration can be such that a simulation is performed by changing the purchase ratio and the results are output.
It is also possible to allow third-party viewers to view only a portion of these simulation results. For example, if a securities company is allowed to be a third-party viewer, product-specific simulation results for insurance may not be available for viewing, or a spouse may not be allowed to view simulation results for financial products to be purchased with the recipient's personal assets.
<Embodiment 6 (mainly corresponds to claim 6): Operation method>

As shown in FIG. 21, the operation method of the consulting introduction system of this embodiment 6 is such that the simulation terminal executes a product identification information holding step 2128 for holding product identification information that identifies a product, a variable input reception step 2101, a product-specific variable input reception sub-step 2129 for receiving input of product-specific variables which are variables associated with the held product identification information, a simulation execution step 2102, a simulation result acquisition step 2103, a simulation result holding step 2104, a product-specific simulation result holding sub-step 2130 for holding product-specific simulation results which are simulation results including variables associated with the product identification information, a simulation result display step 2105, an upload reception step 2106, a viewer selection step 2107, and an upload step 2108, and the viewing server executes a simulation result acquisition step 2109, a simulation result viewing and holding step 2110, and a viewing processing step 2111.
<Processing flow of embodiment 6>

FIG. 21 is a flowchart showing the operation flow of the simulation terminal of the sixth embodiment. Explanation of the parts overlapping with the first to fifth embodiments will be omitted. In the product identification information holding step S2128, a code that identifies a product, which is product identification information, is associated with information related to the product and recorded. This product identification information is recorded in a non-volatile memory, and once recorded, it is held thereafter. It may be configured to check at the start of processing, and if there is updated information or additional information, only that information may be updated, or all information may be updated at the start of processing. In the variable input reception step (S2101), a process of inputting information of the person to be explained is executed, and then in the product-specific variable input reception sub-step (S2129), variables related to the product are input. Here, the target product may be selected and information required for the simulation of that product may be input, or information required for the simulation of all products may be input together separately from the selection of the product, and the required information may be obtained from that data during the simulation. Thereafter, a simulation of the selected product is executed (S2102), and the simulation results are divided and held for each product in the simulation result holding step (S2104). (S2130) This is done by recording each product in a separate area in a predetermined area in the memory. Then, for example, by associating a code, which is product identification information, with an address in the memory, the simulation results can be easily referenced later.
Sixth embodiment (mainly corresponds to claim 6): Hardware configuration

The hardware configuration consists of a simulation terminal 2200 having a simulation result storage unit that stores acquired simulation results, as shown in FIG. 22, and a viewing server 0600 having a simulation result viewing storage unit that stores the acquired simulation results so that they can be viewed via a network, as shown in FIG. 6.
The simulation terminal 2200 includes a CPU 2201, a bus 2202, a non-volatile memory (e.g., a hard disk, SSD) 2203, a main memory 2204, an I/O 2205, and the like, and holds a product identification information holding program 2233 for holding product identification information for identifying a product, a product-specific variable input reception subprogram 2234 for receiving input of product-specific variables that are variables associated with the held product identification information, a variable input reception program 2206, a simulation execution program 2207, a simulation result acquisition program 2208, a simulation result holding program 2209, a product-specific simulation result holding subprogram 2235 for holding product-specific simulation results that are simulation results including variables associated with the product identification information, a simulation result display program 2210, an upload reception program 2211, a viewer selection program 2212, and an upload program 2213. The CPU reads out these programs, stores them in the main memory, and executes them.
<Embodiment 6 (mainly corresponding to claim 6): Effects>

As described above, in the consulting introduction system according to the sixth embodiment, a simulation is performed for each product, and the results can be viewed. This allows the person being explained to compare the simulation results between products and make a decision on the purchase.
<Seventh embodiment (mainly corresponding to claim 7)>
<Embodiment 7 (mainly corresponding to claim 7): Overview>

The consulting introduction system of this embodiment is a consulting introduction system that, in addition to the consulting introduction system of embodiment 6, performs simulations based on variables accepted for each product, such as individual financial products, and makes the results available for viewing.
<Embodiment 7 (mainly corresponding to claim 7): Configuration>

As shown in FIG. 23, the consulting introduction system according to this embodiment includes a simulation terminal 2300 having a product identification information holding unit 2328, a variable input receiving unit 2301, a product-specific variable input receiving means 2329, a simulation execution unit 2302, a simulation result acquisition unit 2303, a simulation result holding unit 2304, a product-specific simulation result holding means 2330, a simulation result display unit 2305, an upload receiving unit 2306, a viewer selection unit 2307, and an upload unit 2308, as in embodiment 6, and as shown in FIG. 3, a viewing server 0390 having a result acquisition unit 0309, a simulation result viewing holding unit 0310, and a viewing processing unit 0311, in addition to the simulation execution unit having a product-specific simulation execution means 2331 for executing different simulations depending on the input of product-specific variables.
Seventh embodiment: description of configuration
Seventh embodiment: Description of configuration Simulation terminal: Product-specific simulation execution means

The 'means for executing simulation by product' 2031 executes different simulations according to the input of product-specific variables.
The input of variables for each product differs when the variables to be considered when running a simulation differ due to the characteristics of each product and the system design, etc. For example, even for the same education endowment insurance, if education endowment insurance A requires an initial lump sum payment, but education endowment insurance B does not and the investment is made only from the savings, it is assumed that the amount of the lump sum payment would be entered for A and only the monthly savings amount would be entered for B, and a simulation would be run.
In addition, while financial products that focus on domestic stocks require simulations that take into account domestic economic trends and inflation rates, financial products that focus on foreign stocks are greatly influenced by foreign economic trends as well as exchange rates. In addition, futures trading of commodities and other products requires consideration of factors different from those for stocks.
Therefore, by using different simulation engines depending on the financial product, more accurate simulations are possible.
<Embodiment 7 (mainly corresponds to claim 7): Processing flow>

The operating method of the consulting introduction system of this embodiment 6, as shown in FIG. 24, is that the simulation terminal executes a product identification information retaining step 2428, a product-specific variable input receiving sub-step 2429, a variable input receiving step 2401, a simulation execution step 2402, a simulation result acquisition step 2403, a simulation result retaining step 2404, a product-specific simulation result retaining sub-step 2430, a simulation result display step 2405, an upload receiving step 2406, a viewer selection step 2407, and an upload step 2408, and the viewing server executes a simulation result acquisition step 2409, a simulation result viewing and retaining step 2410, a viewing processing step 2411, and in addition, the simulation execution step executes a product-specific simulation execution sub-step 2431 for executing different simulations depending on the input of product-specific variables.
<Seventh embodiment (mainly corresponding to claim 7): Hardware configuration>

The hardware configuration consists of a simulation terminal 2500 having a simulation result storage unit for storing acquired simulation results, as shown in FIG. 25, and a viewing server 0600 having a simulation result viewing storage unit for storing acquired simulation results so that the results can be viewed via a network, as shown in FIG. 6.
The simulation terminal 2500 includes a CPU 2501, a bus 2502, a non-volatile memory (e.g., a hard disk, an SSD) 2503, a main memory 2504, an I/O 2505, and the like, and includes a product identification information holding program 2533, a product-specific variable input reception subprogram 2534, a variable input reception program 2506, a simulation execution program 2507, a simulation result acquisition program 2508, a simulation result holding program 2509, a product-specific simulation result holding subprogram 2535, a simulation result display program 2510, an upload reception program 2511, a viewer selection program 2512, and an upload program 2513. In addition, the simulation execution program holds a product-specific simulation execution subprogram 2536 for executing different simulations according to the input of product-specific variables. The CPU reads out these programs, stores them in the main memory, and executes them.
<Embodiment 7 (mainly corresponding to claim 7): Effects>

As described above, the consulting introduction system according to the seventh embodiment makes it possible to perform simulations according to the characteristics of individual products. This enables highly accurate simulations and makes it possible to compare similar products while taking into account the characteristics of each product, which has the effect of helping the recipient make decisions.

Variable input reception unit 0301
Simulation execution unit 0302
Simulation result acquisition unit 0303
Simulation result storage unit 0304
Simulation result display section 0305
Upload reception section 0306
Simulation terminal 0300
Viewer selection unit 0307
Upload section 0308
Simulation result acquisition unit 0309
Simulation result viewing and storage unit 0310
Browsing processing unit 0311
Viewing server 0390
Viewer identification information acquisition unit 0712
Viewer identification information storage unit 0713
Viewing request output unit 0714
Viewing Department 0715
Viewing terminal 0700
Third-party viewer identification information acquisition unit 1016
Third party viewer identification information output unit 1017
Unknown viewer selection means 1318
Viewer email address input prompting means 1319
Email address storage means 1320
Email address output unit 1321
Email address acquisition unit 1322
URL visitor identification information notification means 1323
Browsing terminal configuration program storage unit 1724
Download request reception unit 1725
Browsing terminal configuration program download unit 1726
Download request URL notification means 1727
Product identification information storage unit 2028
Product-specific variable input receiving means 2029
Product-specific simulation result storage means 2030
Product specific simulation execution means 2231
Variable input reception step 0401
Simulation execution step 0402
Simulation result acquisition step 0403
Simulation result storage step 0404
Simulation result display step 0405
Upload reception step 0406
Viewer selection step 0407
Upload step 0408
Simulation result acquisition step 0409
Simulation result viewing and storage step 0410
Viewing process step 0411
Viewer identification information acquisition step 0812
Viewer identification information holding step 0813
View request output step 0814
Viewing step 0815
Third-party viewer identification information acquisition step 1116
Third-party viewer identification information output step 1117
Unknown Viewer Selectable Substep 1418
Substep 1419: Prompting user to enter email address
Mail address storage substep 1420
Email address output step 1421
Email address acquisition step 1422
URL visitor identification information notification substep 1423
Viewing terminal configuration program storage step 1824
Download request acceptance step 1825
Browsing terminal configuration program download step 1826
Download request URL notification substep 1827
Product identification information storage step 2128
Product-specific variable input reception substep 2129
Product-specific simulation result storage sub-step 2130
Product-specific simulation execution substep 2431
Simulation terminal 0500
CPU 0501
Bus 0502
Non-volatile memory 0503
Main memory 0504
I/O 0505
Variable input reception program 0506
Simulation execution program 0507
Simulation result acquisition program 0508
Simulation result storage program 0509
Simulation result display program 0510
Upload reception program 0511
Viewer Selection Program 0512
Upload program 0513
Viewing server 0600
Simulation result acquisition program 0614
Simulation result viewing and retention program 0615
Browsing processing program 0616
Viewing terminal 0900
Viewer identification information acquisition program 0917
Viewer identification information retention program 0918
View request output program 0919
Viewing program 0920
Third-party viewer identification information acquisition program 1221
Third-party viewer identification information output program 1222
Unknown viewer selectable subprogram 1523
Subprogram for prompting user to enter email address 1524
Email address storage subprogram 1525
Email address output program 1526
Email address acquisition program 1627
URL visitor identification information notification subprogram 1628
Viewing terminal configuration program retention program 1929
Download request acceptance program 1930
Viewing terminal configuration program download program 1931
Download request URL notification subprogram 1932
Product identification information retention program 2233
Product-specific variable input reception subprogram 2234
Simulation result storage subprogram by product 2235
Product-specific simulation execution subprogram 2536

Claims (9)

A consulting introduction system comprising: a simulation terminal having a variable input reception unit that receives input of variables for a simulation; a simulation execution unit that executes a simulation using the received variables; a simulation result acquisition unit that acquires the simulation results that are the results of the executed simulation; a simulation result storage unit that stores the acquired simulation results; a simulation result display unit that displays the stored simulation results; an upload reception unit that receives an input as to whether to upload the stored simulation results to a viewing server so that they can be viewed by others in order to receive consulting; a viewer selection unit that selects a person who will view the uploaded simulation results using viewer identification information; and an upload unit that, if the received input is an input as to uploading to the viewing server so that they can be viewed, adds viewing conditions according to the selection result in the viewer selection unit and uploads the simulation results to the viewing server; a simulation result acquisition unit that acquires the simulation results uploaded from the upload unit of the simulation terminal together with the viewing conditions; a simulation result viewing storage unit that stores the acquired simulation results so that they can be viewed by a network; and a viewing processing unit that associates the acquired simulation results and processes them so that they can be viewed in response to a viewing request from the terminal according to the acquired viewing conditions. The consulting introduction system according to claim 1 further comprises a viewing terminal having a viewer identification information acquisition unit that acquires viewer identification information, a viewer identification information storage unit that stores the acquired viewer identification information, a viewing request output unit that outputs a viewing request that is a request to view the simulation results of the viewing server in association with the stored viewer identification information, and a viewing unit for viewing the simulation results processed by the viewing processing unit. The consulting introduction system according to claim 2, wherein the viewing terminal further includes a third-party viewer identification information acquisition unit that acquires third-party viewer identification information, which is viewer identification information for allowing a third party to view the simulation results, in the viewing processing unit, and a third-party viewer identification information output unit that outputs the acquired third-party viewer identification information. The consulting introduction system according to claim 2 or claim 3, wherein the viewer selection unit of the simulation terminal has an unknown viewer selection means for selecting a viewer about which there is no information in the viewing server, a viewer email address input prompting means for prompting the input of an email address used by a viewer about which there is no information in the viewing server when a viewer is selected, an email address storage means for storing the input email address, and an email address output unit for outputting the stored email address to the viewing server, and the viewing server has an email address acquisition unit for acquiring the output email address, and when an email address is acquired, a URL of the simulation result stored in the simulation result viewing storage unit with the email address as the destination, and a URL viewer identification information notification unit for notifying the viewer identification information. The consulting introduction system according to claim 4, wherein the viewing server has a viewing terminal configuration program storage unit that stores a viewing terminal configuration program, which is a program for configuring a viewing terminal on a general-purpose computer, a download request acceptance unit that accepts a download request for the stored viewing terminal configuration program, and a viewing terminal configuration program download unit that downloads the viewing terminal configuration program in response to a download request when the download request is accepted, and also has a download request URL notification unit that notifies the download request acceptance unit of a download request URL to an address that notifies the URL. The consulting introduction system according to any one of claims 1 to 5, wherein the simulation terminal has a product identification information storage unit that stores product identification information that identifies a product, the variable input reception unit has a product-specific variable input reception means that receives input of a product-specific variable that is a variable associated with the stored product identification information, and the simulation result storage unit has a product-specific simulation result storage means that stores a product-specific simulation result that is a simulation result including the variable associated with the product identification information. The consulting introduction system according to claim 6, wherein the simulation execution unit of the simulation terminal has a product-specific simulation execution means for executing different simulations according to input of product-specific variables. A method of operating a consulting introduction system using a simulation terminal having a simulation result storage unit that stores acquired simulation results, and a viewing server having a simulation result viewing storage unit that stores the acquired simulation results so that they can be viewed over a network, in which the simulation terminal performs a variable input reception step of receiving input of variables for a simulation, a simulation execution step of executing a simulation using the received variables, a simulation result acquisition step of acquiring the simulation results that are the results of the executed simulation, a simulation result storage step of storing the acquired simulation results, a simulation result display step of displaying the stored simulation results, and uploading the stored simulation results to the viewing server so that they can be viewed by others to receive consulting. A method for operating a consulting introduction system, which executes an upload reception step for receiving input, a viewer selection step for selecting a person who will view the uploaded simulation results using viewer identification information, and an upload step for uploading the simulation results to the viewing server by adding viewing conditions according to the selection result in the viewer selection unit if the received input is an input for uploading to a viewing server so that the results can be viewed, and the viewing server executes a simulation result acquisition step for acquiring the uploaded simulation results from the upload unit of the simulation terminal together with the viewing conditions, a simulation result viewing and storage step for storing the acquired simulation results so that they can be viewed via a network, and a viewing processing step for associating the acquired simulation results with the simulation results and processing them so that they can be viewed in response to a viewing request from the terminal according to the acquired viewing conditions. An operating program for a consulting introduction system comprising a simulation terminal having a simulation result storage unit for storing acquired simulation results, and a browsing server having a simulation result browsing storage unit for storing the acquired simulation results so that they can be browsed over a network, the simulation terminal having: a variable input receiving step for receiving input of variables for a simulation; a simulation execution step for executing a simulation using the received variables; and a simulation result acquisition step for acquiring the simulation results that are the results of the executed simulation. an upload receiving step for receiving an input as to whether the stored simulation results should be uploaded to a viewing server so that they can be viewed by others in order to receive consulting; a viewer selection step for selecting a person who will be allowed to view the uploaded simulation results by viewer identification information; and an upload step for uploading the simulation results to the viewing server by adding viewing conditions in accordance with the selection result in the viewer selection unit if the received input is an input as to whether the simulation results should be uploaded to the viewing server so that they can be viewed, and the viewing server executes a simulation result acquisition step for acquiring the uploaded simulation results from the upload unit of the simulation terminal together with the viewing conditions, a simulation result viewing and retention step for retaining the acquired simulation results so that they can be viewed via a network, and a viewing processing step for associating the acquired simulation results with each other and processing them so that they can be viewed in response to a viewing request from the terminal in accordance with the acquired viewing conditions.

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