Information providing apparatus and method, program product, and information processing terminal

Abstract

The present technology relates to an information providing apparatus and method, a program, and an information processing terminal capable of easily acquiring information on personal asset management. The information providing apparatus manages asset management information including selection information of a public destination of information on consent to provide financial transaction information between a first user and a financial institution and the financial transaction information, and asset management information of the financial transaction information which the first user consents to provide; provides the asset management information to a service providing apparatus selected as the public destination; generates information on a UI of a browsing page based on the asset management information; transmits the information on the UI of the browsing page to a second terminal in response to a request from the second terminal used by a second user; manages a use state of the UI of the browsing page by the second terminal, and transmits information on a benefit to be returned to the first user in accordance with the use state to the first terminal. The present technology can be applied to an asset management information providing system.

Description

Technical Field

[0001] This technology relates to information providing devices and methods, procedures, and information processing terminals; more specifically, it relates to information providing devices and methods, procedures, and information processing terminals that enable easy access to information about an individual's asset management. Background Technology

[0002] Personal asset management (savings and deposits, foreign currency deposits, savings-type life insurance, government bonds, stocks, foreign exchange, cryptocurrencies, real estate, etc.) is becoming increasingly important. On the other hand, for example, systems have been proposed that can predict a customer's future asset status and provide effective advice to the customer (see Patent Document 1).

[0003] In such an era, it is necessary to understand and refer to what types of investment methods / techniques people who have succeeded or failed in asset management have used, and what types of assets have been formed through those methods / techniques.

[0004] Citation List

[0005] Patent documents

[0006] Patent Document 1: Japanese Patent Application Publication No. 2019-211995 Summary of the Invention

[0007] The problem to be solved by the present invention

[0008] However, investment methods / techniques for personal asset management and the asset management process are considered personal and confidential information (close information), and therefore are usually not disclosed.

[0009] This technology was developed in view of this situation, making it easy to obtain information about personal asset management.

[0010] Solution to the problem

[0011] An information providing device according to a first aspect of the present technology includes: an information management unit that manages information including consent information sent from a first terminal regarding the provision of financial transaction information between a first user and a financial institution, selection information of the public destination of the financial transaction information, and asset management information of the financial transaction information agreed to be provided by the first user; an information providing unit that provides the asset management information to a service providing device selected as the public destination; a generation unit that generates information about the UI of a browsing page based on the asset management information; a sending unit that, in response to a request from a second terminal used by a second user, sends the information about the UI of the browsing page to the second terminal; and a revenue return unit that manages the usage status of the UI of the browsing page by the second terminal and sends information about the revenue to be returned to the first user according to the usage status to the first terminal.

[0012] In a first aspect of this technology, management includes sending information from a first terminal regarding consent to provide financial transaction information between a first user and a financial institution, selection information for the public destination of the financial transaction information, and asset management information of the financial transaction information agreed upon by the first user, and providing the asset management information to a service-providing device selected as the public destination. Then, information about the UI of a browsing page based on the asset management information is generated; in response to a request from a second terminal used by a second user, the information about the UI of the browsing page is sent to the second terminal; the usage status of the UI of the browsing page by the second terminal is managed; and information about the revenue to be returned to the first user according to the usage status is sent to the first terminal.

[0013] According to a second aspect of the present technology, an information processing terminal includes: a consent-providing unit that obtains consent from a user based on a user's operation to provide financial transaction information between the user and a financial institution; a sending unit that sends information about the consent and selection information of the public destination of the financial transaction information to an information providing device; and a receiving unit that receives from the information providing device information about the usage status of a UI of a browsing page according to another information processing terminal, and information about benefits to be returned to the user, wherein the UI of the browsing page is based on asset management information including the financial transaction information, the consent information, and selection information of the public destination of the financial transaction information.

[0014] In a second aspect of this technology, based on user actions, consent is obtained from the user to provide financial transaction information between the user and a financial institution. Subsequently, information regarding the consent and the selection of the public destination for the financial transaction information are sent to an information providing device. Depending on the usage of the UI of a browsing page by other information processing terminals, information regarding returns to be returned to the user is received from the information providing device. The UI of the browsing page is based on asset management information including the financial transaction information, the consent information, and the selection of the public destination for the financial transaction information.

[0015] The information processing terminal according to a third aspect of the present technology includes: a communication unit that, based on an operation by a second user, requests and receives information about the UI of a browsing page, the information about the UI of the browsing page being based on information including consent to provide financial transaction information between a first user and a financial institution, selection information of the public destination of the financial transaction information, and asset management information of the financial transaction information provided with the consent of the first user; and an output control unit that controls the output of the received information about the UI of the browsing page.

[0016] In a third aspect of this technology, based on the operation of the second user, information regarding the UI of the browsing page is requested and received. This information is based on information including consent to provide financial transaction information between the first user and a financial institution, selection information regarding the public destination of the financial transaction information, and asset management information regarding the financial transaction information provided with the consent of the first user. Then, the output of the received information regarding the UI of the browsing page is controlled. Attached Figure Description

[0017] Figure 1 This is a diagram illustrating the configuration of an embodiment of an asset management information provision system to which this technology is applied.

[0018] Figure 2 This is a block diagram illustrating an example of the hardware configuration of user terminal 11.

[0019] Figure 3 This is a block diagram illustrating an example of the functional composition of user terminal 11.

[0020] Figure 4 This is a block diagram illustrating an example of the functional structure of a financial institution's server 12.

[0021] Figure 5 This is a block diagram illustrating an example of the functional components of the information bank / asset management server 13.

[0022] Figure 6This is a diagram illustrating the information stored in the DB managed by the information management unit 62.

[0023] Figure 7 This is a block diagram illustrating an example of the functional composition of the service server 14.

[0024] Figure 8 This is a block diagram illustrating an example of the functional composition of user terminal 15.

[0025] Figure 9 This is a flowchart illustrating the processing of the asset management information provision system.

[0026] Figure 10 It continues Figure 9 This describes the flowchart of the asset management information provision system.

[0027] Figure 11 This is a diagram illustrating an example of the composition of asset management information.

[0028] Figure 12 This is an example of a UI screen that illustrates a browsing page for asset management information.

[0029] Figure 13 This is an illustration of an example of a UI screen in a PFM contract.

[0030] Figure 14 This is another example of an illustration illustrating the UI screen in a PFM contract.

[0031] Figure 15 This is an illustration of an example of a UI screen that shows the process of agreeing to provide personal information.

[0032] Figure 16 This is another example of a UI screen illustrating the process of agreeing to provide personal information.

[0033] Figure 17 This is an illustration of an example of a UI screen used by users when registering to view asset management information.

[0034] Figure 18 It is a diagrammatic explanation. Figure 12 This is an example of a modified UI screen for browsing asset management information.

[0035] Figure 19 This is an example illustration of a UI screen that demonstrates a notification of revenue return.

[0036] Figure 20 This is a flowchart illustrating the connection processing via the information bank / asset management server 13.

[0037] Figure 21 It continues Figure 20 This is a flowchart illustrating the connection process via the Information Bank / Asset Management Server 13.

[0038] Figure 22 This is an illustration of an example of a UI screen displayed on a user terminal 15.

[0039] Figure 23 This is an illustration of another example of a UI screen displayed on user terminal 15.

[0040] Figure 24 This is an illustration of an example of a UI screen displayed on user terminal 11.

[0041] Figure 25 This is an illustration of another example of a UI screen displayed on user terminal 11. Detailed Implementation

[0042] The following describes the implementation mode of this technology. The explanation will proceed in the following order.

[0043] 1. First Implementation Example (Asset Management Information Provision System)

[0044] 2. Second Implementation Example (Communication between Information Providing User and Viewing User)

[0045] 3. Other

[0046] <1. First Implementation Example (Asset Management Information Provision System)>

[0047] (An example of the structure of an asset management information provision system)

[0048] Figure 1 This is a diagram illustrating the configuration of an embodiment of an asset management information provision system to which this technology is applied.

[0049] Figure 1 The asset management information provision system 1 is a system that publicly discloses a user's (individual's) asset status, investment methods / techniques, etc., and returns profits to the user for viewing their information by other users. Note that the user is an individual, but can be a company.

[0050] Specifically, in Asset Management Information Provision System 1, a Personal Financial Management (PFM) service and an information bank system architecture are applied. PFM is a service that effectively designs and manages assets by aggregating account information from various financial institutions, such as bank deposits, securities, credit cards, or insurance, via the Internet in a unified manner. An information bank is a system architecture that appropriately manages and operates data provided with user consent. Financial institutions are organizations engaged in business related to financial transactions. Examples of financial institutions include banks, insurance companies, credit unions, SME financial institutions, agricultural, forestry, and fishery financial institutions, securities companies, non-bank institutions, investment trust management companies, and cryptocurrency management companies.

[0051] The asset management information provision system 1 includes user terminals 11, financial institution servers 12-1 to 12-n, information bank / asset management server 13, service business servers 14-1 to 14-n, and user terminals 15-1 to 15-n.

[0052] User terminals 11, financial institution servers 12-1 to 12-n, information bank / asset management server 13, service business servers 14-1 to 14-n, and user terminals 15-1 to 15-n are interconnected via the Internet 16. In the asset management information providing system 1, information is exchanged between the various devices via the Internet 16.

[0053] Note that, when there is no need to distinguish between them, the financial institution servers 12-1 to 12-2, the service business servers 14-1 to 14-n, and the user terminals 15-1 to 15-n are collectively referred to as financial institution server 12, service business server 14, and user terminal 15, respectively.

[0054] User terminal 11 includes personal computers, tablet terminals, smartphones, etc. User terminal 11 is used by users who agree to provide financial transaction information (hereinafter referred to as information providing users). Financial transaction information includes, for example, information such as the amount of the financial transaction, the date and time of the financial transaction, and the type of financial transaction. Types of financial transactions include, for example, stocks, investment trusts, real estate, cryptocurrencies, etc.

[0055] The information provides user terminal 11 with the ability to process PFM contracts with financial institution servers 12 of desired financial institutions, thereby signing a PFM contract with at least one financial institution. Through signing the PFM contract, user terminal 11 obtains financial transaction information from the financial institution servers 12 of the financial institutions with which the PFM contract has been signed.

[0056] The user agrees to provide personal information regarding financial transactions and inputs this information (hereinafter referred to as "the consent information") into the user terminal 11. In response, the user terminal 11 sends the consent information to the financial institution server 12, which has signed a PFM contract, and the information bank / asset management server 13.

[0057] At this time, the information provider selects a service provider as the public destination for their personal information and inputs the information provider's attribute information into the user terminal 11. Information regarding the selection of the public destination and the information provider's attribute information are sent from the user terminal 11 to the information bank / asset management server 13 as relevant information for financial transactions. Note that although... Figure 1 The diagram only illustrates one user terminal. However, user terminal 11 consists of multiple user terminals corresponding to multiple information-providing users using the system.

[0058] Financial institution server 12-1 manages information about bank A. Financial institution server 12-2 manages information about bank B. Financial institution server 12-3 manages information about securities company C. Financial institution server 12-4 manages information about cryptocurrency G.

[0059] Financial institution 12 sends the financial transaction information of the information provider to the user terminal 11 of the information provider who has signed the PFM contract.

[0060] Additionally, the financial institution server 12 receives consent information from the user terminal 11 of the information provider who has signed a PFM contract. The financial institution server 12 then sends the financial transaction information of the consenting information provider to the information bank / asset management server 13.

[0061] An information bank / asset management platform is constructed within the information bank / asset management server 13. Specifically, the information bank / asset management server 13 utilizes PFM services and the system architecture of an information bank to receive financial transaction information and related information sent from the financial institution server 12 with the consent of the information provider user, and creates a database as asset management information. The fund management information pertains to fund management information, including related information from financial transaction information sent from the financial institution server 12 and financial transaction information sent from the financial institution server 12 or the user terminal 11.

[0062] The information bank / asset management server 13 pre-processes a big data usage contract with the service provider's service business server 14, which utilizes asset management information stored in the database as big data, and an advertising usage contract within the asset management information provision system 1. The information bank / asset management server 13 then sends the asset management information to the service provider's service business server 14, based on information related to the information provision user's public selection among service providers with pre-signed big data usage contracts.

[0063] Additionally, the information bank / asset management server 13 generates a user interface (UI) for browsing asset management information and sends information about the UI to the user terminal 15, thereby providing the UI screen of the asset management information browsing page to registered users (hereinafter referred to as browsing users). The browsing page UI is the UI of the page provided for browsing users to browse the asset management information provided by the information bank / asset management server 13. The information bank / asset management server 13 receives a request from the user terminal 15 for the browsing page desired by the browsing user. The information bank / asset management server 13 sends information about the UI of the requested browsing page to the user terminal 15.

[0064] In the information bank / asset management server 13, an information bank system architecture is applied to return revenue to the information-providing users. By applying this architecture, the information bank / asset management server 13, for example, sends user attribute information obtained by anonymizing personally identifiable information within asset management information to the service business server 14 and provides this attribute information to the service provider. The provided asset management information is used by the service provider as marketing information for big data analysis. As a result, the information bank / asset management server 13 can obtain revenue from the service provider and returns a portion of the revenue obtained by providing asset management information to the service provider to the information-providing users.

[0065] Note that the provision of asset management information, such as a portion of the returns to be returned, can be changed based on the usage status of the browsing page's UI. The usage status of the browsing page's UI indicates information about how the browsing user has used it. This usage status includes information about users obtained through logs (number of registered participants, number of active users (those who check the site more than once a week, those who post more than once a month, etc.), and number of visitors), and information about usage status obtained through surveys (number of visits, page views), etc.

[0066] In addition, the revenue sources of the asset management information provision system 1 include (1) revenue from providing financial big data to service providers, (2) fees for advertisements displayed on the UI screen of the asset management information browsing page, and (3) fees charged to browsing users. Furthermore, regarding the display of advertisements on the UI screen, not only service providers but also financial institutions can receive advertising fees through pre-signed contracts.

[0067] Service server 14 is a server that manages the information of service providers. Service server 14 processes pre-contracted contracts, thereby using asset management information sent from information bank / asset management server 13 as big data and paying big data usage fees to information bank / asset management server 13. Additionally, service server 14 processes data for sending desired advertising images and pays advertising usage fees to information bank / asset management server 13 through pre-contracted contract processing, utilizing advertising space set on the UI screen of the asset management information browsing page provided by information bank / asset management server 13. Note that the use of big data and advertising described above can be performed by the same service server 14, or the use of big data and advertising can be performed by different service servers 14.

[0068] User terminal 15 includes personal computers, tablet terminals, smartphones, etc. User terminal 15 is used by browsing users to view the UI screen of the browsing page for asset management information provided by asset management information providing system 1.

[0069] User terminal 15 performs user registration processing for browsing asset management information on information bank / asset management server 13, and receives UI information about the browsing page for asset management information sent by information bank / asset management server 13. User terminal 15 displays a UI screen corresponding to the received UI information, allowing browsing users to view the UI screen of the browsing page provided by information bank / asset management server 13. Users can be charged for browsing based on circumstances.

[0070] Note that in the asset management information provision system 1, as an example of the UI, mechanisms such as existing social networking services (SNS) or family account applications can be applied.

[0071] In the asset management information providing system 1, browsing users can refer to the investment cases of multiple information providers, and can return profits to information providers according to the usage status of the financial transaction information of multiple browsing users.

[0072] Therefore, through the asset management information provision system 1 constructed as described above, browsing users can easily obtain information about personal asset management. As a result, browsing users can refer to investment methods in personal asset management.

[0073] <Components of a User Terminal>

[0074] Figure 2 This is a block diagram illustrating an example of the hardware configuration of user terminal 11.

[0075] The central processing unit (CPU) 21, read-only memory (ROM) 22, and random access memory (RAM) 23 are interconnected via bus 24. Input / output interface 25 is also connected to bus 24.

[0076] Input unit 26, output unit 27, storage unit 28, communication unit 29 and driver 30 are connected to input / output interface 25.

[0077] An input unit 26, including a keyboard and mouse, and an output unit 27, including a display and speakers, are connected to the input / output interface 25. Furthermore, a storage unit 28, including a hard disk and non-volatile memory, a communication unit 29, including a network interface for various devices connected via the Internet 16, and a driver 30 for driving the removable medium 31 are connected to the input / output interface 25.

[0078] In a computer configured as described above, for example, CPU 21 loads a program stored in storage unit 28 into RAM 23 via input / output interface 25 and bus 24 and executes the program to perform a series of processes.

[0079] Note that the financial institution server 12, the information banking / asset management server 13, the service business server 14, and the user terminal 15 have the same characteristics as... Figure 2 The structure shown in the diagram is the same.

[0080] <Functional Components of a User Terminal>

[0081] Figure 3 This is a block diagram illustrating an example of the functional composition of user terminal 11.

[0082] Figure 3 The functional structure shown in the diagram is achieved through... Figure 2 This is achieved by CPU 21 executing a pre-defined program.

[0083] Figure 3 In the user terminal 11, there are a control unit 41, an information provision and consent unit 42, a revenue management unit 43, and a display control unit 44.

[0084] Control unit 41 controls various units of user terminal 11. For example, based on the information provider's operation, control unit 41 processes the signing of a PFM contract with the financial institution server 12 of the financial institution desired by the information provider. Furthermore, according to the information provider's operation, control unit 41 approves communication on the finance_SNS (F_SNS) requested from the browsing user's user terminal 15 via the information bank / asset management server 13. As a result, the information provider and the browsing user communicate on the F_SNS. The F_SNS is an SNS provided by the information bank / asset management server 13 to allow the information provider and the browsing user to communicate directly, for example, via chat.

[0085] The information provision consent unit 42 generates consent information regarding the provision of personal information about financial transactions, based on the information provision user's actions. At this time, the information provision consent unit 42 also generates information about the information provision user's attributes, which are input into the user terminal 11 through the information provision user's actions, and information about the selection of the public destination.

[0086] Information provision consent unit 42 sends consent information to the financial institution server 12 with which the information providing user has entered into a PFM contract. Information provision consent unit 42 also sends consent information to the information bank / asset management server 13. At this time, information provision consent unit 42 sends the information providing user's attribute information and information regarding the choice of public destination as relevant information for the financial transaction to the information bank / asset management server 13.

[0087] The revenue management unit 43 receives financial transaction information from the financial institution server 12 of the financial institution with which the information provider has signed a PFM contract, manages the financial transaction information, and manages the revenue of the information provider obtained through financial transactions, etc. Furthermore, the revenue management unit 43 receives revenue-related information sent from the information bank / asset management server 13, and manages the revenue of the information provider obtained through providing information, etc.

[0088] The display control unit 44 receives information about the UI sent from the financial institution server 12 or the information bank / asset management server 13. The display control unit 44 controls the display of the UI screen corresponding to the received information about the UI.

[0089] Functional Components of a Financial Institution's Server

[0090] Figure 4 This is a block diagram illustrating an example of the functional structure of a financial institution's server 12.

[0091] Figure 4 The functional structure shown in the diagram is achieved through... Figure 2 This is achieved by CPU 21 executing a pre-defined program.

[0092] Figure 4 In the middle, the financial institution server 12 includes a control unit 51 and a financial transaction information DB 52.

[0093] Control unit 51 controls various units of financial institution server 12. For example, control unit 51 processes PFM contracts signed with user terminal 11 for information providers and stores the attribute information of information providers in financial transaction information DB 52. Control unit 51 sends the financial transaction information of information providers retrieved from financial transaction information DB 52 to user terminal 11.

[0094] Upon receiving consent information from user terminal 11, control unit 51 extracts information from financial transaction information DB 52 to provide financial transaction information for user consent, and sends the extracted financial transaction information to information bank / asset management server 13.

[0095] DB 52 stores and manages financial transaction information in financial institutions, as well as user attribute information.

[0096] Functional Components of an Information Bank / Asset Management Server

[0097] Figure 5 This is a block diagram illustrating an example of the functional components of the information bank / asset management server 13.

[0098] Figure 5 In the middle, the information bank / asset management server 13 includes a control unit 61, an information management unit 62, a UI generation unit 63, an information provision unit 64, an advertising data management unit 65, a browsing user management unit 66, a browsing information management unit 67, a revenue return management unit 68, and a connection control unit 69.

[0099] Control unit 61 controls various units of the information bank / asset management server 13. For example, control unit 61 receives information from user terminal 11 regarding consent, user attribute information, and information regarding the selection of public destinations, and outputs the information to information management unit 62. Additionally, control unit 61 receives information from financial institution server 12 regarding user financial transaction information and outputs the financial transaction information to information management unit 62.

[0100] Note that in the information bank / asset management server 13, the information provided includes user attribute information and information about the selection of public destinations as relevant information for financial transaction information.

[0101] The information management unit 62 includes an asset management information database 71 containing personal information and an asset management information database 72 not containing personal information. The information management unit 62 manages asset management information from the consent information provided by the control unit 61, the financial transaction information of the information provider, and related information of the financial transaction information. The information management unit 62 manages the asset management information through the two types of databases mentioned above, depending on whether personal information is present.

[0102] UI generation unit 63 generates UIs for user registration pages and asset management information browsing pages, and manages information about the generated UIs. UI generation unit 63 sends information about the UI of the pages desired by the browsing user to user terminal 15. Furthermore, UI generation unit 63 generates the UI for F_SNS, which serves as a place for direct communication between information provider users and browsing users. UI generation unit 63 sends the generated UI information to user terminal 11 or user terminal 15.

[0103] The information providing unit 64 processes the signing of a big data usage contract with the service business server 14 of the service provider requesting big data usage. In response to the request from the service business server 14 of the service provider with whom the contract has been signed, the information providing unit 64 sends asset management information from the asset management information managed by the information management unit 62 within the scope (age, time period, gender, etc.) desired by the service provider with whom the contract has been signed.

[0104] Note that at this point, the information providing unit 64 provides asset management information to users who have selected a contracted service provider as the public destination. The information providing unit 64 collects a usage fee from the service server 14 that receives the asset management information.

[0105] The advertising data management unit 65 processes the signing of advertising usage contracts with the service business server 14 of the service providers requesting advertising usage. The advertising data management unit 65 receives advertising image data and usage fees from the service business server 14 of the contracted service providers. The advertising data management unit 65 manages the advertising image data received from the service business server 14.

[0106] The browsing user management unit 66 manages the attribute information of browsing users who have registered, etc., sent from the user terminal 15.

[0107] The browsing information management unit 67 manages browsing-related information of asset management information on the information bank / asset management server 13. Examples of browsing information for asset management information include the usage status of the browsing page (number of views of charts or information on the browsing page, number of comments on the browsing page, number of users following the information provider), the history of communication and content evaluation between the information provider and the browsing user on F_SNS, the evaluation of the information provider, and the evaluation of the browsing user, etc.

[0108] The revenue return management unit 68 obtains and manages the revenue to be returned to the information provider user. The revenue to be returned to the information provider user is based on factors such as the number of times the information provider user's asset management information is used by the service provider and the usage fees, the usage status of the asset management information browsing pages managed by the information management unit 67, and especially information about the information provider user (number of comments, number of views, and ratings). The revenue return management unit 68 sends information about the obtained revenue to the information provider user's user terminal 11.

[0109] When a user terminal 15 of a browsing user requests communication with an information provider on the F_SNS, the connection control unit 69 connects user terminal 11 and user terminal 15 on the F_SNS to provide a communication space (F_SNS) between the information provider and the browsing user. Note that communication on the F_SNS takes place for a predetermined period of time. If a user terminal 15 of a browsing user requests an extension of the communication, the connection control unit 69 extends the communication time on the F_SNS according to the consent of the information provider sent from user terminal 11.

[0110] <Example of the structure of a database managed by an information management unit>

[0111] Figure 6 This is a diagram illustrating the information stored in the DB managed by the information management unit 62.

[0112] Information management unit 62 manages asset management information DB 71 containing personal information and asset management information DB 72 not containing personal information.

[0113] The Asset Management Information DB 71, which contains personal information, stores information such as the user's financial transaction information (purchase history, buying and selling history, asset changes), related information such as the user's attribute information, and the user's behavioral information. In addition, the Asset Management Information DB 71 stores information regarding consent to follow, instructing the user whether they allow access to their followed accounts.

[0114] The asset management information DB 72 does not contain personal information. It stores the names of financial institutions that provide financial transaction information (bank A, securities company C, cryptocurrency G, etc.), daily changes in Nikkei average stock prices, etc.

[0115] <Functional Components of a Service Server>

[0116] Figure 7 This is a block diagram illustrating the structure and functions of the service server 14.

[0117] Figure 7 The functional structure shown in the diagram is achieved through... Figure 2 This is achieved by CPU 21 executing a pre-defined program.

[0118] Figure 7 In the middle, the service business server 14 includes a control unit 81, a big data management DB 82, and an advertising management DB 83.

[0119] Control unit 81 controls various units of service server 14. For example, control unit 81 processes pre-signed contracts with information bank / asset management server 13 and requests the provision of asset management information, thereby storing the asset management information sent from information bank / asset management server 13 in big data management DB 82. Control unit 81 uses the financial transaction information stored in big data management DB 82 as big data. Control unit 81 processes the payment of big data usage fees to information bank / asset management server 13.

[0120] Additionally, the control unit 81 processes the pre-contract signing with the information bank / asset management server 13. To utilize the advertising space set on the UI screen of the browsing page provided by the information bank / asset management server 13, the control unit 81 provides the information bank / asset management server 13 with data of the desired advertising image stored in the advertising management DB 83. The control unit 81 then processes the payment of advertising usage fees to the information bank / asset management server 13.

[0121] DB 82 is used for big data storage and management of asset management information.

[0122] The Ads Management DB 83 stores and manages data on advertising images for service providers.

[0123] <Functional Components of a User Terminal>

[0124] Figure 8 This is a block diagram illustrating an example of the functional composition of user terminal 15.

[0125] Figure 8 The functional structure shown in the diagram is achieved through... Figure 2This is achieved by CPU 21 executing a pre-defined program.

[0126] Figure 8 In the middle, the user terminal 15 includes a control unit 91 and a display control unit 92.

[0127] Control unit 91 controls various units of user terminal 15. For example, control unit 91 accesses information bank / asset management server 13 according to the browsing user's operation and performs user registration processing for browsing asset management information on information bank / asset management server 13. Control unit 91 accesses information bank / asset management server 13 and requests to browse the desired page of asset management information.

[0128] Additionally, the control unit 91 requests communication with the user terminal 11 of the desired information provider via the information bank / asset management server 13. The control unit 91 obtains recognition of the communication from the information provider from the user terminal 11, thereby enabling the browsing user to communicate with the information provider on the F_SNS provided by the information bank / asset management server 13.

[0129] The display control unit 92 receives information about the UI sent from the information bank / asset management server 13 and controls the display of the UI screen corresponding to the received information about the UI.

[0130] <Processing of Asset Management Information Provision System>

[0131] Figure 9 and Figure 10 This is a flowchart illustrating the processing of the asset management information provision system 1.

[0132] exist Figure 9 In step S11, the information providing unit 64 of the information bank / asset management server 13 processes the signing of a big data usage contract with the control unit 81 of the service business server 14. Additionally, the advertising data management unit 65 of the information bank / asset management server 13 processes the signing of an advertising usage contract with the control unit 81 of the service business server 14.

[0133] In step S12, the control unit 41 of the user terminal 11 processes the signing of a PFM contract with the financial institution server 12 as desired by the information provider user, according to the operation of the information provider user.

[0134] In step S13, the control unit 51 of the financial institution server 12 sends the financial transaction information to the user terminal 11 of the information provider who has signed the PFM contract. At this time, the control unit 51 also sends a credibility guarantee message to the user terminal 11 to ensure the credibility of the financial transaction information.

[0135] Credibility assurance information may include, for example, the name of the financial institution providing the financial transaction information or the financial institution's rating information. The revenue management unit 43 receives and manages the financial transaction information and credibility assurance information from the financial institution server 12 of the financial institutions that have signed PFM contracts.

[0136] In step S14, if the information provider agrees to provide personal information regarding financial transaction information, the information provider consent unit 42 of the user terminal 11 generates consent information. At this time, the information provider consent unit 42 generates the information provider's attribute information and information regarding the selection of the public destination according to the information provider's operation.

[0137] In step S15, the information providing consent unit 42 of the user terminal 11 sends consent information to the financial institution server 12 of the financial institution that has signed the PFM contract.

[0138] In step S16, the information providing consent unit 42 of the user terminal 11 sends consent information to the information bank / asset management server 13. At this time, the information generated in step S14 regarding the selection of the public destination and the attribute information of the information providing user as relevant information for financial transaction information are sent to the information bank / asset management server 13.

[0139] In step S17, upon receiving consent information from user terminal 11, the control unit 51 of financial institution server 12 retrieves the financial transaction information provided by the information provider, indicating user consent, from financial transaction information DB 52. Control unit 51 then sends the retrieved financial transaction information to information bank / asset management server 13. Note that at this time, credibility guarantee information, as related information to the financial transaction information, is also sent to information bank / asset management server 13.

[0140] In step S18, the information management unit 62 of the information bank / asset management server 13 manages the received consent information, financial transaction information of the information provider, and related information of the financial transaction information as asset management information. The related information of the financial transaction information includes the information provider's attribute information, information regarding the selection of the public destination, and credibility guarantee information. At this time, the information management unit 62 registers and manages the asset management information in both the asset management information DB 71 (containing personal information) and the asset management information DB 72 (not containing personal information), based on the presence or absence of personal information.

[0141] exist Figure 10In step 19, the control unit 81 of the service business server 14 requests asset management information from the information bank / asset management server 13. Additionally, the control unit 81 provides the information bank / asset management server 13 with the desired advertising image data stored in the advertising management DB 83. At this time, the control unit 81 processes the payment of advertising usage fees to the information bank / asset management server 13.

[0142] In step S20, the information providing unit 64 of the information bank / asset management server 13 sends asset management information and credibility guarantee information within the scope expected by the contracted service provider, which are part of the asset management information managed by the information management unit 62. Note that at this time, the information providing unit 64 provides the asset management information of the user who has selected a service provider as the public destination, based on information regarding the selection of the public destination.

[0143] The control unit 81 of the service business server 14 stores the asset management information sent from the information bank / asset management server 13 in the big data management DB 82.

[0144] In step S21, the control unit 81 of the service business server 14 processes the payment of the usage fee for the received asset management information to the information bank / asset management server 13.

[0145] The information providing unit 64 of the information bank / asset management server 13 processes the receipt of usage fees from the service business server 14.

[0146] In step S22, the UI generation unit 63 of the information bank / asset management server 13 generates the UI for browsing the asset management information page and manages information about the generated UI. Additionally, the browsing information management unit 67 manages browsing information (number of views and number of comments) related to the asset management information on the information bank / asset management server 13.

[0147] In step S23, the control unit 91 of the user terminal 15 accesses the information bank / asset management server 13 according to the browsing user's operation. In response, the information bank / asset management server 13 sends information about the UI for the user registration page used to view asset management information. The control unit 91 receives the information about the UI for the user registration page used to view asset management information and causes the display control unit 92 to display the UI screen corresponding to the received information about the UI. In response to the browsing user's operation, the control unit 91 sends the browsing user's attribute information, along with the user registration request, to the information bank / asset management server 13. As a result, the browsing user's registration is performed on the information bank / asset management server 13.

[0148] The browsing user management unit 66 of the information bank / asset management server 13 responds to the request sent from the user terminal 15, performs user registration processing, and manages the attribute information of the browsing users who have registered.

[0149] In step S24, the control unit 91 of the user terminal 15 accesses the information bank / asset management server 13 and requests to view the desired page of asset management information. Note that the information bank / asset management server 13 may, for example, charge for each page viewed depending on the situation.

[0150] In step S25, the UI generation unit 63 of the information bank / asset management server 13 sends information about the UI of the browsing page desired by the user to the user terminal 15. Note that at this time, the browsing information management unit 67 updates the browsing information about asset management information of the information bank / asset management server 13.

[0151] The display control unit 92 of the user terminal 15 receives information about the UI of the browsing page sent from the information bank / asset management server 13, and controls the display of the UI screen corresponding to the received information about the UI.

[0152] In step S26, the revenue return management unit 68 of the information bank / asset management server 13 obtains the revenue to be returned to the information provider user, for example, based on revenue (usage fee) from the service provider attributable to the use of asset management information and the user's usage status of the UI of the browsing page (number of comments or number of views). The revenue return management unit 68 sends information about the obtained revenue to the user terminal 11 of the information provider user. The revenue management unit 43 of the user terminal 11 receives the revenue information sent from the information bank / asset management server 13 and manages the revenue obtained by the information provider user through information provision, etc.

[0153] <Composition of Asset Management Information>

[0154] Figure 11 This is a diagram illustrating an example of the composition of asset management information managed by the information bank / asset management server 13. Figure 11 The diagram illustrates the information provided to users, but in reality, other information providers manage their information in a similar way.

[0155] Asset management information includes ID number (ID#), information provider, industry type of information provider, transaction type, transaction date and time, and transaction amount (Japanese Yen).

[0156] In the asset management information with ID number 001, the information provider is Bank A, the industry type of the information provider is banking, the transaction type is investment trust, the transaction date and time is 2019 / 10 / 16 14:02:25, and the transaction amount is a purchase of 300,000 yen.

[0157] In the asset management information with ID number 002, the information provider is Bank B, the industry type of the information provider is banking, the transaction type is stocks, the transaction date and time is 2019 / 11 / 16 14:02:25, and the transaction amount is a purchase of 100,000 yen.

[0158] In the asset management information with ID number 003, the information provider is Securities Company C, the industry type of the information provider is Securities Company, the transaction type is Investment Trust, the transaction date and time is 2019 / 12 / 16 14:02:25, and the transaction amount is a sale of 100,000 yen.

[0159] In the asset management information with ID number 004, the information provider is Securities Company C, the industry type of the information provider is securities company, the transaction type is stocks, the transaction date and time is 2019 / 12 / 16 14:32:25, and the transaction amount is a purchase of 200,000 yen.

[0160] In the asset management information with ID number 005, the information provider is Cryptocurrency G, the industry type of the information provider is cryptocurrency exchange, the transaction type is cryptocurrency, the transaction date and time is 2019 / 12 / 28 14:02:25, and the transaction amount is a purchase of 50,000 yen.

[0161] In the asset management information with ID number 006, the information provider is Bank A, the industry type of the information provider is banking, the transaction type is credit card cash withdrawal, the transaction date is 2020 / 01 / 05 14:02:25, and the transaction amount is a purchase of 70,000 yen.

[0162] In the asset management information with ID number 007, the information provider is Securities Company C, the industry type of the information provider is securities company, the transaction type is stocks, the transaction date and time is 2020 / 01 / 26 14:02:25, and the transaction amount is a sale of 70,000 yen.

[0163] In the asset management information with ID number 008, the information provider is Cryptocurrency G, the industry type of the information provider is cryptocurrency exchange, the transaction type is cryptocurrency, the transaction date and time is 2020 / 02 / 16 14:02:25, and the transaction amount is a purchase of 30,000 yen.

[0164] In the asset management information with ID number 009, the information provider is Bank B, the industry type of the information provider is banking, the transaction type is foreign currency deposit, the transaction date and time is 2019 / 02 / 26 14:02:25, and the transaction amount is a purchase of 80,000 yen.

[0165] In the asset management information with ID number 010, the information provider is Securities Company C, the industry type of the information provider is securities company, the transaction type is stocks, the transaction date and time is 2020 / 03 / 26 14:02:25, and the transaction amount is a sale of 150,000 yen.

[0166] <Example of UI screen for browsing a page>

[0167] Figure 12 This is an example of a UI screen that illustrates a browsing page for asset management information.

[0168] Figure 12 The UI screen 101 displayed in the image shows the browsing page. For example, UI screen 101 is shown in the image above. Figure 10 The example of the UI screen for the browsing page providing asset management information to the browsing user in step S25. In response to the browsing user's operation and the browsing request from the user terminal 15, information about the UI sent from the information bank / asset management server 13 is displayed on the display or the like of the output unit 27 constituting the user terminal 15.

[0169] The UI screen 101 of the browsing page includes a search screen 101L that displays information about the search terms (search criteria) and a search results screen 101R that displays information about the search results that match the search terms.

[0170] On the search-enabled screen 101L, the search-defined target, time period, and information source (information provider) are displayed. Figure 12 In this case, the search screen 101L presents the search target as the investment balance (stocks + investment trusts) for the period from October to December 2019, with the information source being securities company C.

[0171] The search results screen 101R displays chart E1, chart E2, follow button F1, follow button F2, and advertisement A1.

[0172] Chart E1 illustrates the changes in investment balance in successful investment cases with the largest increase in investment balance from October to December 2019. In other words, successful investment means an increase in investment balance. Chart E2 illustrates the changes in investment balance in unsuccessful investment cases with the largest decrease in investment balance from October to December 2019. In other words, unsuccessful investment means a decrease in investment balance.

[0173] The follow button F1 is a button for following an information provider of an investment case of chart E1. By operating the follow button, a browsing user can register a target information provider in his / her account. As a result, the browsing user can continuously read new posts (asset management information) of the target information provider. On the right side of the follow button F1, 12,345 is illustrated as the number of views, and 12,345 is the number of times chart E1 has been viewed.

[0174] The follow button F2 is a button for following an information provider of an investment case of chart E2. On the right side of the follow button F2, 54,321 is illustrated as the number of views, and 54,321 is the number of times chart E2 has been viewed.

[0175] Advertisement A1 is an advertisement image corresponding to data provided by a service business server 14 of a service provider that has pre-signed an advertisement use contract through processing with an information bank / asset management server 13. For example, by pressing this advertisement A1, a page introducing the product shown in the advertisement can be displayed.

[0176] Figure 12 In, chart E1 is surrounded by a thick line. This indicates that chart E1 has been selected by the operation of a browsing user.

[0177] By selecting chart E1, as shown by the thick arrow, detailed asset management information of the investment case represented by chart E1 is displayed. That is, in Figure 12 In, Figure 11 Among the asset management information, the time period is from October to December 2019, and only the asset management information of one information provider provided by securities company C as the information source is illustrated.

[0178] Note that although not illustrated, when chart E2 is selected, similar to the case of chart E1, detailed asset management information of the investment case represented by chart E2 is displayed.

[0179] <Example of UI screen>

[0180] Next, refer to Figure 9 and Figure 10 to illustrate an example of the UI screen of the page displayed in a predetermined step of the above flowchart.

[0181] Figure 13 and Figure 14 are diagrams illustrating an example of the UI screen in the PFM contract in step 12 of Figure 9 . Information about this UI is generated, for example, by the control unit 51 of the financial institution server 12.

[0182] Figure 13The diagram illustrates the UI screen W1 of the initial registration page and the UI screen W2 of the login page.

[0183] UI screen W1 is an example of the UI screen for the initial registration page of a PFM contract. On UI screen W1, from top to bottom, the following are displayed: a title indicating the "Initial Registration" page, a name input field, an email address input field, a date of birth input field, a password input field, and a registration button B1.

[0184] The user enters their name, email address, date of birth, and password in the input fields on the UI screen W1 and presses the registration button B1. In response to the user's input, the user terminal 11 sends the entered information as the user's attribute information to the financial institution server 12. Thus, the initial registration of the PFM contract is completed.

[0185] UI screen W2 is an example of the UI screen for the login page of the PFM contract. On UI screen W2, from top to bottom, the following are displayed: a title indicating the "Login" page, an input field for entering the login ID (email address), an input field for the password registered on the initial registration page, and a login button B2.

[0186] The user enters their email address and password in the input fields on the UI screen W2 and presses the login button B2. In response to the user's input, the user terminal 11 sends the entered information as login information to the financial institution server 12. As a result, the user completes their login to the PFM contract site.

[0187] Figure 14 The diagram illustrates the UI screen W3 of the partner destination registration (deposit) page and the UI screen W4 of the partner destination registration (withdrawal) page.

[0188] UI screen W3 is an example of the UI screen for the PFM contract's destination registration (deposit) page. The destination registration (deposit) page is where users register with financial institutions offering PFM contracts based on deposit information. On UI screen W3, from top to bottom, the following are displayed: the title indicating the "Destination Registration (Deposit)" page; four checkboxes for selecting a bank as the destination; the names of the banks corresponding to each checkbox; two checkboxes for selecting a brokerage firm as the destination; and the names of the brokerage firms corresponding to each checkbox.

[0189] exist Figure 14In the example, the bank options are presented as AAA Bank, BBB Bank, CCC Bank, and DDD Bank, with the checkboxes corresponding to BBB Bank and DDD Bank selected. Additionally, the securities company options are presented as EEE Securities and FFF Securities, with the checkbox corresponding to EEE Securities selected.

[0190] By checking the checkboxes displayed on UI screen W3 as described above, the user is provided with information to select their desired financial institution as the destination for their deposit from a list of presented banks and securities companies. The user's selection is then sent from user terminal 11 to the financial institution server 12 of the selected financial institution. Note that because these are checkboxes, multiple financial institutions can be selected as the destination for the deposit. This also applies to the following UI screen examples.

[0191] UI screen W4 is an example of the UI screen for the PFM contract's partner destination registration (withdrawal) page. The partner destination registration (withdrawal) page is where users register with financial institutions for PFM contracts related to withdrawal information. On UI screen W4, from top to bottom, the following are displayed: the title indicating the "Partner Destination Registration (Withdrawal)" page; three checkboxes for selecting a credit card as the partner destination; the names of the respective credit cards corresponding to each checkbox; three checkboxes for selecting e-money / smartphone payment as the partner destination; and the names of the respective e-money / smartphone payment methods corresponding to each checkbox.

[0192] exist Figure 14 In the example, the credit card options are presented as GGG Card, HHH Card, and III Card, with checkboxes corresponding to GGG Card and HHH Card selected. Additionally, as options for electronic money / smartphone payment, JJJ Payment, KKK Currency, and LLL Currency are presented, with checkboxes corresponding to JJJ Payment and LLL Currency selected.

[0193] By checking the checkboxes displayed on the UI screen W4 as described above, the user is provided with information to select their preferred financial institution as the destination for withdrawal from credit card and electronic money / smartphone payments. The user's selection is then sent from the user terminal 11 to the financial institution server 12 of the selected destination financial institution.

[0194] Figure 15 and Figure 16 It is a diagrammatic explanation. Figure 9 An example illustration of the UI screen shown in step S14 when agreeing to provide personal information. Information about this UI is generated, for example, by the UI generation unit 63 of the information bank / asset management server 13.

[0195] Figure 15 The diagram illustrates the UI screen W5 for the Personal Information Consent (Input) page, which is used to enter personal information for consent, and the UI screen W6 for the Personal Information Input page, which is used to enter details of the personal information to be provided.

[0196] UI screen W5 is an example of a UI screen for a personal information consent page. On UI screen W5, from top to bottom, the title indicating the "Personal Information Consent" page, the consent content indicating the content of personal information consent, the consent button B3, and the disagree button B4 are displayed.

[0197] The agreement states: "I, ABCD (username), agree to provide my personal information via PPP to QQ (the destination) in the XXX information bank / funds management server for the purpose of... and to receive a return of proceeds based on the terms."

[0198] Figure 15 The PPP in the consent form is underlined, indicating the path to the W6 UI screen for entering personal information. Figure 15 ) or UI screen W7 ( Figure 16 Link L1. When the user presses link L1, the UI screen W6 displays the personal information input page. Figure 15 ) or UI screen W7 ( Figure 16 ). Figure 15 The QQQ in the consent form is underlined, indicating that it leads to the W8 UI screen used to input destination information. Figure 16 Link L2. When the user presses link 2, UI screen W8, which provides a destination information input page, is displayed. Figure 16 ).

[0199] Figure 15 The terms in the consent form are underlined and are linked to a UI screen (L3) for confirming the terms. When the user clicks link 3, the UI screen for confirming the terms is displayed.

[0200] In passing Figure 15 After the user enters the required information on the screen linked by links L1 and L2 in the consent form, when the user presses the consent button B3 displayed on the UI screen W5, the user terminal 11's consent unit 42 agrees to provide personal information regarding financial transaction information and generates consent information. Note that at this time, the user's attribute information and information regarding the selected public destination are also generated.

[0201] As described above, the generated information is sent to the financial institution server 12, which is the provider of information that the information provider agrees to provide, and the information bank / asset management server 13.

[0202] If the user presses the Disagree button B4 displayed on the UI screen W5, the display of the monitor constituting the output unit 37 returns from the UI screen W5 to, for example, the previous UI screen.

[0203] UI screen W6 is an example of a UI screen for the personal information input page. On UI screen W6, from top to bottom, the following are displayed: a title indicating the page for entering "Personal Information PPP"; a record indicating that the personal information is from BBB Bank; two checkboxes for selecting the data type of transaction history; and the data type corresponding to each checkbox. The data type is either deposit data or withdrawal data. Below the checkboxes, a time period input field is displayed for entering data for a specific period.

[0204] exist Figure 15 In this case, the checkbox corresponding to the deposit data on UI screen W6 was checked, and the period from 2019 / 9 / 1 to 2020 / 1 / 1 was entered in the time period input field. That is, on UI screen W6d, as personal information, the deposit data from BBB Bank from 2019 / 9 / 1 to 2020 / 1 / 1 was entered as the transaction history.

[0205] exist Figure 16 The image shows a UI screen W7 for inputting personal information and a UI screen W8 for inputting destination information.

[0206] UI screen W7 is an example of a UI screen for the personal information input page. On UI screen W7, from top to bottom, the following are displayed: a title indicating the page for entering "Personal Information PPP"; a record indicating that the personal information is from a GGG credit card; a checkbox for selecting the data type for transaction history; and the data type corresponding to that checkbox. The data type is withdrawal data. Below the checkbox, a time period input field is displayed for entering data for a specific period.

[0207] exist Figure 16 In this case, the checkbox corresponding to the withdrawal data on UI screen W7 was selected, and the period from 2019 / 9 / 1 to 2020 / 1 / 1 was entered in the time period input field. That is, on UI screen W7, as personal information, information on withdrawal data from the GGG credit card from 2019 / 9 / 1 to 2020 / 1 / 1 was entered as transaction history.

[0208] UI screen W8 is an example of the UI screen for the personal information input page. On UI screen W8, from top to bottom, the page title indicating the selection of "Provide Destination QQQ", three checkboxes as a list of service providers to select as the destination, and the names of the service providers corresponding to the checkboxes are Service Provider A, Service Provider B, and Service Provider X. Below the radio buttons, a time period input field is shown for entering data for a specific time period.

[0209] exist Figure 16 In this case, the checkbox corresponding to Service Provider B on UI screen W8 was selected, and "from now until 2020 / 12 / 31" was entered in the time period input field. That is, on UI screen W8, as the destination for providing personal information, the information "from now until 2020 / 12 / 31" was entered to be provided to Service Provider B among the service providers.

[0210] Figure 17 It is a diagrammatic explanation. Figure 10 This is an example illustration of a UI screen used in step S24 to log in and view asset management information. Information about this UI is generated, for example, by the UI generation unit 63 of the information bank / asset management server 13.

[0211] Figure 17 The diagram illustrates the UI screen W9 on the login page after user registration.

[0212] UI screen W9 is an example of a UI screen used to navigate to the login page for asset management information. On UI screen W9, from top to bottom, the following are displayed: a title indicating the "Login" page, an input field for the login ID (email address), an input field for the pre-registered password, and a login button B5.

[0213] The user enters their email address and password in the input fields of the UI screen W9 and presses the login button B5. In response to these actions, the user terminal 15 sends the entered information as login information to the information bank / asset management server 13. As a result, the user's login to view asset management information is completed.

[0214] Figure 18 It is a diagrammatic explanation. Figure 10 The illustration shows an example of the UI screen for the asset management information browsing page provided in step S25. Note that, compared to... Figure 12 Corresponding parts are indicated by the same reference numerals, and their descriptions will be omitted.

[0215] The UI screen W10 is Figure 12A variation of the UI screen 101 for browsing asset management information. The UI screen W10 displays the title of the asset management information browsing page, the UI screen 101 for browsing asset management information, and the UI screen 111 for displaying content relevant to the browsing user.

[0216] On UI screen 111, as content related to the browsing user, a chart E11 is displayed illustrating the changes in investment balances in investment cases where users with similar attributes to the browsing user are provided with information. Similar attributes include, for example, age, gender, and the financial institution where the transactions are conducted.

[0217] Below chart E11, the "Follow" button F11 is displayed. This button provides users with information about the investment examples in chart E11. To the right of the "Follow" button F11, the number of views is displayed as 1,977, representing the number of times chart E11 has been viewed.

[0218] UI screen 111 also displays a graph E12 illustrating changes in investment balances in investment cases where the information provider's attributes are not similar to those of the browsing user. Below graph E12, a follow button F12 is displayed, which is used by the information provider to follow the investment cases in graph E12. To the right of the follow button F12, 624 is displayed as a view count, representing the number of times graph E12 has been viewed.

[0219] If, through browsing user actions, any one of charts E1, E2, E11, and E12 is selected, as shown above... Figure 12 The chart displays detailed asset management information for the investment case represented by the corresponding chart.

[0220] Note that in Figure 18 In UI screen 101, advertisement A1 is displayed on the right side. Advertisement A1 displays an image of EEE Securities, a financial institution. Advertisement A11 is also displayed on the right side of UI screen 111. Advertisement A11 displays an image of service provider B.

[0221] Figure 19 It is a diagrammatic explanation. Figure 10 This is an example illustration of a UI screen for notifying the return of returns on asset management information in step S26. Information about this UI is generated, for example, by the UI generation unit 63 of the information bank / asset management server 13.

[0222] Figure 19 The diagram illustrates the UI screen W11 used for notifications of earnings returns.

[0223] UI screen W11 is an example of the UI screen for the notification page regarding the return of returns for asset management information. On UI screen W11, from top to bottom, the following are displayed: the title indicating the page related to "Return of Returns Notification," details of the return, three radio buttons for selecting the return method, and the name of the financial institution corresponding to each radio button. Examples of financial institution names include BBB Bank Account, JJJ Payments, and LLL Currency.

[0224] Details of the revenue refund are as follows: "Received a revenue refund of 4,000 yen from service provider B. Please select the refund method from the following."

[0225] exist Figure 19 In the middle, the radio button corresponding to JJJ payment was selected. In response to the information provider user's operation, the user terminal 11 sends information about the income to the information bank / asset management server 13, which indicates that the income return method is "JJJ payment".

[0226] By constructing the asset management information provision system 1 as described above, browsing users can easily obtain information about personal asset management. As a result, browsing users can refer to investment methods in personal asset management. On the other hand, information providers can receive returns by providing personal asset management information within the scope permitted by the information providers.

[0227] <2. Second Implementation Example (Communication between Information Providing User and Browsing User)>

[0228] As per the above reference Figure 12 The UI screen of the browsing page of the information bank / asset management server 13 is equipped with a follow button F1. In general social networking sites (SNS), a follow button is used to register a target user in one's account, allowing the user to continuously read the target user's new posts.

[0229] In the second embodiment of this technology, by pressing the follow button, the user terminal 15 of the browsing user and the user terminal 11 of the information provider user are connected in the place provided by the information bank / asset management server 13 (e.g., on the F_SNS mentioned above), and the browsing user and the information provider user can communicate with each other through chat or the like.

[0230] <Connection processing between the user terminal providing the information and the user terminal browsing the information>

[0231] Figure 20 and 21 This is a flowchart illustrating the connection process between the user terminal 11 that provides information to the user through the information bank / asset management server 13 and the user terminal 15 that browses the user.

[0232] In addition to the aforementioned asset management information browsing page, the information bank / asset management server 13 also includes browsing pages for the attribute information of the information provider user and reliability evaluation in the asset management information.

[0233] In step S51, the control unit 91 of the user terminal 15 accesses the information bank / asset management server 13 and requests to browse pages such as asset management information, or information providing user attribute information and reliability evaluation.

[0234] In step S52, the UI generation unit 63 of the information bank / asset management server 13 sends information about the UI of the browsing page that the user expects to browse to the user terminal 15.

[0235] The display control unit 92 of the user terminal 15 receives information about the UI sent from the information bank / asset management server 13, and controls the display of the UI screen of the browsing page corresponding to the received information about the UI.

[0236] When a browsing user wishes to view the personal information and reliability evaluation of an information provider and communicate with the information provider, the browsing user presses the "Follow" button on the UI screen for direct communication with the information provider. In step S53, in response to the information provider pressing the "Follow" button, the user terminal 15 requests the information bank / asset management server 13 to communicate with the information provider.

[0237] For example, if the information provider has transaction records with financial institutions that require its information from the browsing user, the transaction period is long, the user has relevant knowledge, or the user has a credit record corresponding to the questions to be discussed with the browsing user, the browsing user can press the "follow" button to communicate with the information provider.

[0238] In step S54, when the browsing user's user terminal 15 requests communication, the connection control unit 69 of the information bank / asset management server 13 requests information to be provided by the user terminal 11 for recognition, for example, communication with the browsing user on F_SNS.

[0239] In step S55, if the information provider accepts the authorization request of the browsing user's communication, the control unit 41 of the user terminal 11 notifies the information bank / asset management server 13 of the authorization of the communication.

[0240] In step S56, if the user terminal 11 of the information provider approves the communication request, the connection control unit 69 of the information bank / asset management server 13 notifies the user terminal 15 of the browsing user of the information provider's approval of the communication and the charge for the communication.

[0241] In step S57, the browsing user's user terminal 15 acknowledges the notification. Correspondingly, in step S58, since user terminals 11 and 15 are connected, the information provider and the browsing user can communicate directly on F_SNS for a specific period of time (e.g., 10 minutes) using a tool such as chat. Here, for example, on the browsing user's F_SNS UI screen, an extension button for requesting an extension of the communication, along with information about the extension fee, is displayed.

[0242] In step S59, if the browsing user wishes to continue communicating with the information provider, the browsing user presses the aforementioned extension button before the end of the specified betting period. In response, the user terminal 15 sends information indicating an extension request to communicate with the information provider to the information bank / asset management server 13. At this time, information indicating the browsing user's acceptance of the extension fee is also sent.

[0243] In step S60, the connection control unit 69 of the information bank / asset management server 13 sends information indicating an extension application for communication to the user terminal 11.

[0244] In step S61, if the information provider approves the request to extend the communication with the browsing user, the control unit 41 of the user terminal 11 notifies the information bank / asset management server 13 of the approval for the communication extension. As a result, the communication between the information provider and the browsing user on F_SNS is extended for a specific period of time.

[0245] In step S62, when the connection control unit 69 of the information bank / asset management server 13 determines that the specific period of time has passed, the connection between the user terminal 11 of the information provider and the user terminal 15 of the browsing user is terminated.

[0246] exist Figure 21 In step S70, the revenue return management unit 68 of the information bank / asset management server 13 sends revenue information to the user terminal 11 of the information provider who has communicated with the browsing user. The revenue management unit 43 of the user terminal 11 receives the revenue information sent from the information bank / asset management server 13.

[0247] In step S71, the browsing information management unit 67 of the information bank / asset management server 13 automatically evaluates and stores the information on F_SNS to facilitate communication between users and browsing users.

[0248] For example, when communication on F_SNS is completed, the UI generation unit 63 of the information bank / asset management server 13 sends information about the UI used to input the other party's evaluation.

[0249] In step S72, the control unit 91 of the user terminal 15 sends the evaluation from the other party (information provider user) entered according to the browsing user's operation to the information bank / asset management server 13.

[0250] Furthermore, in step S73, the control unit 41 of the user terminal 11 sends the evaluation from the other party (browsing user) entered according to the operation of the information provider user to the information bank / asset management server 13.

[0251] In step S74, the browsing information management unit 67 of the information bank / asset management server 13 stores the evaluations from browsing users from user terminal 11 and the evaluations from information providers from user terminal 15.

[0252] In step S75, the control unit 61 of the information bank / asset management server 13 sends the points of dissatisfaction and areas for improvement for the financial institution as feedback information, as indicated in the communication, to the financial institution server 12, without associating the points of dissatisfaction and areas for improvement with personal information. At this time, a request for payment for the feedback information is also sent.

[0253] For example, the UI screen used to input feedback from others includes a link to the website of the chosen financial institution for opening an account. After the interaction, the browsing user who wants to open an account with the chosen financial institution clicks the link on the UI screen.

[0254] In step S76, the control unit 91 of the user terminal 15 accesses the financial institution server 12 corresponding to the financial institution according to the browsing user's operation, and performs account opening processing.

[0255] In step S77, if the account opening is initiated by a browsing user who has viewed asset management information on the information bank / asset management server 13, the financial institution server 12 sends the advertising fee to the information bank / asset management server 13.

[0256] In step S78, if the browsing user who opened the account is a user who has already communicated with the information provider, the revenue return management unit 68 of the information bank / asset management server 13 sends information about revenue return to the information provider's user terminal 11 by using a portion of the advertising fee as revenue return. The revenue management unit 43 of the user terminal 11 receives the revenue information sent from the information bank / asset management server 13.

[0257] As mentioned above, browsing users can directly learn details about financial institutions, PFM contracts, asset management, etc., from information providers. Information providers receive a reward for their communication. Financial institutions can acquire new clients.

[0258] <Example of UI screen>

[0259] Next, an example of the UI screen of the page displayed in a predetermined step of the flowchart of the asset management information providing system described above in reference to Figure 20 and Figure 21 will be described. Note that in the following UI screens, for example, an example where the information-providing user and the browsing user discuss the opening of an account at YY Credit Union is illustrated, but the content of the communication can be freely set between the users.

[0260] Note that Figure 22 and Figure 23 are UI screens presented to the browsing user, Figure 24 and Figure 25 are UI screens presented to the information-providing user.

[0261] Figure 22 is a diagram illustrating an example of the UI screen notified from the information bank / asset management server 13 in step S56 of Figure 20 and displayed on the user terminal 15 in step S57. Information about this UI is generated, for example, by the UI generation unit 63 of the information bank / asset management server 13.

[0262] In Figure 22 examples of the UI screen W51 of the notification page, the UI screen W52 of the details page, and the UI screen W53 of the notification page are illustrated.

[0263] The UI screen W51 is an example of the UI screen of the notification page that notifies the user terminal 15 of the browsing user of the charge for the communication with the information-providing user. On the UI screen W51, the title indicating the "notification" page, the content of the notification, and three options (Yes / No / View Details) are displayed in order from top to bottom. Note that in the UI screen W51, an example where the browsing user presses the dark-colored "View Details" among the options is illustrated.

[0264] As the content of the notification, it indicates "Start F_SNS with the user of YY Credit Union? (-500 yen)". The user of YY Credit Union represents the information-providing user. F_SNS represents the communication on F_SNS. In addition, the user has an underline on the screen, which is a link L51 to the UI screen indicating what type of user the user is. When the browsing user presses the link L51, the UI screen indicating what type of user the user is can be displayed.

[0265] By the browsing user pressing "Yes" among the options, the communication starts, and for example, Figure 23UI screen W54. If the user selects "No" from the options, a UI screen will be displayed that returns to the original asset management information browsing page. If the user selects "View Details" from the options, UI screen W52 will be displayed.

[0266] UI screen W52 is an example of a details page UI screen that displays details of the interaction between the user terminal 15 and the user, providing information. On UI screen W52, from top to bottom, the title indicating the "Details" page, the content of the details, and a radio button indicating agreement to use the service are displayed.

[0267] The details are as follows: "Activating F_SNS will incur a fee. The fee is transferred to the recipient through an information bank / asset management server. Please note that real names, etc., should not be displayed. F_SNS content is anonymous and automatically evaluated to improve the service." The service is underlined on the screen and is linked to a UI screen (L52) indicating the type of service. By clicking link L52, the user can access the UI screen indicating the type of service.

[0268] By browsing through the user's clicked radio button, agreement is accepted, and for example, a message is displayed. Figure 22 The UI screen of W53.

[0269] UI screen W53 is an example of a notification page that informs the user's terminal 15 about the charges for communicating with the information provider. Descriptions identical to those in UI screen W51 will be omitted. Note that UI screen W53 illustrates an example where the user presses the darkest of the three options, "Yes".

[0270] As shown in UI screen W53, F_SNS is initiated by the user clicking "Yes" in the options, and for example, it displays... Figure 23 The UI screen in W54.

[0271] Figure 23 This is a diagram illustrating when... Figure 20 The illustration shows an example of a UI screen displayed on the user terminal 15 when the information is provided to the user and the browsing user communicate on F_SNS in step S58, or when the communication ends in step S62. Information about this UI is generated, for example, by the UI generation unit 63 of the information bank / asset management server 13.

[0272] exist Figure 23 The example shows UI screen W54 of the F_SNS (communication) page and UI screen W55 of the page displaying the other party's comments.

[0273] UI screen W54 is an example of the UI screen for an F_SNS page where information providers and browsing users interact. On UI screen W54, from top to bottom, the title of the "F_SNS page about YY Credit Union," the remaining time (3 minutes and 30 seconds), the extend button B51, and sessions K1-K4 are displayed. Among sessions K1-K4, sessions K1, K3, and K4 are the information provider's sessions, while session K2 is the browsing user's session.

[0274] In conversation K1, the information provider says, "I'm a user of YY Credit Union. I've been using it for about 3 years." The browsing user then asks in conversation K2, "How do you feel?". In response to conversation K2, the information provider replies in conversation K3, "Well, it's easy to use, and there's nothing particularly inconvenient. I've earned about 50,000 yen this year!" Furthermore, the information provider replies in conversation K4, "However, some parts are a little difficult to see on the screen." Within conversations K1-K4, for example, conversation K4 expresses the user's impression of the financial institution. Thus, in... Figure 21 In step S75, the content of session K4 is sent as feedback information by the information providing unit 64 to the financial institution server 12 without being associated with personal information.

[0275] In UI screen W54, since the interaction ends after the remaining time (3 minutes and 30 seconds), the display changes from UI screen W54 to UI screen W55. If the user wishes to continue the interaction, they can press the extension button B51 located on UI screen W54. Figure 20 In step S59, an extension is requested from user terminal 11 via information bank / asset management server 13 from user terminal 15. If the requested extension is approved by the user providing the information on user terminal 11, the communication time can be extended.

[0276] UI screen W55 is an example of a UI screen for entering evaluations of the other party (the information provider) in a communication. On UI screen W55, from top to bottom, the following are displayed: a title indicating the "Other Party's Evaluation" input page; an asterisk indicating the evaluation of the other party using a 5-level rating system; a comment input field; and two options (a link to open a YY Credit Union account or end the session).

[0277] In the asterisk marker, enter 4 out of 5 stars as the other person's evaluation. In the comment input field, enter the other person's evaluation: "The other person's answer was very honest. However, it seems that some parts were said incorrectly without hesitation."

[0278] When a user enters a review of another person on the W55 UI screen and then wants to open an account with YY Credit Union, the system displays the account opening link from the user's options. The response is as follows: Figure 21 As described in step S76, the screen transitions to the YY Credit Union account opening page. As a result, users are able to open accounts efficiently.

[0279] On the other hand, when the browsing user clicks the "End" option, the communication with the information provider ends.

[0280] Figure 24 It is a diagrammatic explanation. Figure 20 An illustration of an example of a UI screen notified from the information bank / asset management server 13 in step S54 and displayed on the user terminal 11 in step S55. Information about this UI is generated, for example, by the UI generation unit 63 of the information bank / asset management server 13.

[0281] exist Figure 24 The image shows UI screen W56 for the notification page, UI screen W57 for the details page, and UI screen W58 for the notification page.

[0282] UI screen W56 is an example of a UI screen that notifies the user terminal 11 of a notification page and the user's communication request. On UI screen W56, from top to bottom, the title of the "Notification" page, the content of the notification, and the options (Yes / No / View Details) are displayed. Note that UI screen W56 illustrates an example where the user presses the darker "View Details" option out of the three options.

[0283] The notification states, "Applicants for opening accounts with 〇〇 Credit Union, please initiate F_SNS (+500 yen)." The 〇〇 Credit Union account opening applicant representative is browsing users. F_SNS stands for Communication.

[0284] By instructing the user to press "Yes" in the options, F_SNS is initiated, and for example, the following is displayed: Figure 25 UI screen W59. If the user presses "No" in the information prompt, a UI screen will be displayed that returns to the original asset management information browsing page. If the user presses "View Details" in the information prompt, UI screen W57 will be displayed.

[0285] UI screen W57 is an example of a details page UI screen that displays details of the interaction with the user on user terminal 11, providing information to the user. On UI screen W57, from top to bottom, the title indicating the "Details" page, the content of the details, and a radio button indicating agreement to use the service are displayed.

[0286] As part of the details, the following instructions are provided: "When you begin using F_SNS, the recipient makes a transfer through the information bank / asset management server. Please note that you should not display your real name, etc. F_SNS content is anonymous and automatically evaluated to improve the service." The service is underlined on the screen and is linked to UI screen L52, indicating the type of service. By pressing link L52, the user can access the UI screen indicating the type of service.

[0287] By providing information to users who press radio buttons, consent is accepted, and for example, a message is displayed. Figure 24 The UI screen of W58.

[0288] UI screen W58 is an example of a notification page that informs the user terminal 11 of the charges for communication with the browsing user. Descriptions identical to those in UI screen W56 will be omitted. Note that UI screen W58 illustrates an example where the user presses the dark-colored "Yes" option.

[0289] As shown on UI screen W58, the user is prompted to press "Yes" in the options to start the SNS, and for example, the following is displayed: Figure 25 The UI screen in the W59.

[0290] Figure 25 Is in Figure 20 The example shown in step S58 is when the information provider and the browsing user are communicating on the SNS, or when the communication ends in step S62, and an example of a UI screen displayed on the user terminal 11. Information about this UI is generated, for example, by the UI generation unit 63 of the information bank / asset management server 13.

[0291] exist Figure 25 The example shows UI screen W59 of the F_SNS (communication) page and UI screen W60 of the other party's evaluation display page.

[0292] UI screen W59 is an example of a UI screen for an SNS page where information providers and browsing users interact on F_SNS. On UI screen W59, from top to bottom, the title of the "F_SNS page about 〇〇 Credit Union," the remaining time (3 minutes 30 seconds), and session numbers K1-K4 are displayed. That is, UI screen W59 and... Figure 23 The difference between the UI screen W54 and the previous one is the removal of the extended button B51. Other components are the same as... Figure 23 The UI screen is similar to that of the W54.

[0293] UI screen W60 is an example of a UI screen for a rating input page where the other party (the browsing user) can enter their evaluation. On UI screen W60, from top to bottom, the following are displayed: a title indicating the "Other Party's Rating" input page, an asterisk indicating the rating of the other party using a 5-level rating system, a comment input field, and one option (End).

[0294] In the asterisk section, enter 5 out of 5 stars as your evaluation of the other party. In the comment input field, enter your evaluation of the other party: "I was very impressed because the other party was very enthusiastic and honest in acquiring asset management skills."

[0295] The user enters their feedback on the other person on the W60 UI screen and then presses "End." This concludes the interaction with the browsing user.

[0296] <3. Other>

[0297] (Effect)

[0298] As described above, in this technology, information regarding consent to provide financial transaction information between a first user and a financial institution, as well as selection information for the public destination of the financial transaction information, sent from a first terminal, and asset management information including the financial transaction information consented to by the first user, are managed. This asset management information is then provided to a service-providing device selected as the public destination. Next, information regarding the UI of a browsing page based on the asset management information is generated. In response to a request from a second terminal used by a second user, information regarding the UI of the browsing page is sent to the second terminal. The usage status of the UI of the browsing page by the second terminal is managed, and information regarding the returns to be returned to the first user according to the usage status is sent to the first terminal.

[0299] Therefore, this technology makes it easy to obtain information about personal asset management. This allows for reference to investment methods in personal asset management.

[0300] (An example of computer structure)

[0301] The above series of processes can be performed using hardware or software. When the series of processes are performed using software, the program constituting the software is installed from a program recording medium onto a computer, general-purpose personal computer, or similar device integrated into dedicated hardware.

[0302] Note that the program executed by the computer may be a program that is processed sequentially in the order described in this specification, or a program that is processed in parallel or at necessary time intervals (such as when called).

[0303] Note that in this specification, "system" means a group of multiple components (devices, modules (parts), etc.), and it is not important whether all components are housed in the same housing. Thus, multiple devices housed in separate housings and connected via a network, as well as a device containing multiple modules in one housing, are both systems.

[0304] Furthermore, the effects described in this specification are merely examples and are not limited to any particular effect; other effects may be provided.

[0305] The embodiments of this technology are not limited to the above embodiments, and various modifications can be made without departing from the essence of this technology.

[0306] For example, this technology can be configured as a cloud computing system in which one of the functions is shared and collaboratively processed by multiple devices via a network.

[0307] Furthermore, the steps described in the flowchart above can be performed by one device, or they can be shared and performed by multiple devices.

[0308] Furthermore, in cases where a step includes multiple processes, the multiple processes included in the step can be performed by one device, or can be shared and performed by multiple devices.

[0309] <Examples of combinations>

[0310] This technology can also have the following configuration.

[0311] (1) An information providing device, comprising:

[0312] An information management unit manages information including consent information sent from a first terminal regarding the provision of financial transaction information between a first user and a financial institution, selection information of the public destination of the financial transaction information, and asset management information of the financial transaction information provided with the consent of the first user.

[0313] An information providing unit provides the asset management information to a service providing device selected as the public destination.

[0314] A generation unit that generates information about the UI of a browsing page based on the asset management information;

[0315] A sending unit, in response to a request from a second terminal used by a second user, sends information about the UI of the browsing page to the second terminal; and

[0316] The revenue return unit manages the usage status of the UI of the browsing page by the second terminal and sends information about the revenue to be returned to the first user according to the usage status to the first terminal.

[0317] (2) The information providing device according to (1) further includes

[0318] The receiving unit receives information about the consent and the selection information of the public destination from the first terminal, and receives the financial transaction information from the financial institution's financial institution server.

[0319] (3) The information providing device according to (2), wherein

[0320] The receiving unit also receives credibility guarantee information from the financial institution's server, ensuring the credibility of the financial transaction information.

[0321] The information management unit also manages the credibility guarantee information.

[0322] (4) The information providing device according to (2), wherein

[0323] The receiving unit also receives attribute information of the first user from the first terminal, and

[0324] The information management unit also manages the attribute information of the first user.

[0325] (5) The information providing device according to any one of (1)-(4), wherein

[0326] The revenue return unit determines the revenue to be returned to the first user based on at least one of the usage fee of the asset management information in the service providing device or the number of times the second user views the UI of the browsing page.

[0327] (6) The information providing device according to any one of (1)-(5), wherein

[0328] The UI of the browsing page displays operation components for direct communication between the second user and the first user.

[0329] (7) The information providing device according to (6) further includes

[0330] A connection control unit connects the first terminal and the second terminal according to the operation of the operation components on the UI of the browsing page via the second terminal.

[0331] (8) The information providing device according to (7) further includes

[0332] A browsing information management unit evaluates and manages the content of communication between a first user and a second user during the connection between a first terminal and a second terminal.

[0333] (9) The information providing device according to (8), wherein

[0334] After the interaction between the first user and the second user ends, the browsing information management unit acquires and manages the evaluations for the first user and the second user, respectively.

[0335] (10) The information providing device according to (8), wherein

[0336] If a second user opens an account with the financial institution based on the communication, the revenue return unit is configured to return a portion of the fees paid by the financial institution to the first user as revenue.

[0337] (11) The information providing device according to (8), wherein

[0338] The information providing unit will provide the financial institution's server with the information about the financial institution obtained from the communication between the first user and the second user as feedback information.

[0339] (12) The information providing device according to any one of (1)-(11), wherein

[0340] The UI of the browsing page displays search criteria for investment cases included in the asset management information, as well as investment cases that match the search criteria.

[0341] (13) The information providing device according to (12), wherein

[0342] The UI of the browsing page displays at least one example of a successful investment and one example of a failed investment.

[0343] (14) The information providing device according to (12), wherein

[0344] The UI of the browsing page displays advertising images provided by the service provider's device.

[0345] (15) The information providing device according to any one of (1)-(14), wherein

[0346] The generation unit generates information about the UI for an information input page used in the first terminal to obtain consent from the first user to provide the financial transaction information.

[0347] (16) The information providing device according to (15), wherein

[0348] In the UI of the information input page, at least one of the following is set: the financial institution that provides the financial transaction information, the type of financial transaction information to be provided, and the time period for providing the financial transaction information.

[0349] (17) An information provision method, comprising:

[0350] The management includes information sent from the first terminal regarding consent to provide financial transaction information between the first user and the financial institution, selection information on the public destination of the financial transaction information, and asset management information of the financial transaction information provided with the consent of the first user;

[0351] The asset management information is provided to the service provider equipment selected as the public destination;

[0352] Generate information about the UI of the browsing page based on the asset management information;

[0353] In response to a request from a second terminal used by a second user, information about the UI of the browsed page is sent to the second terminal; and

[0354] The system manages the usage status of the UI of the browsing page on the second terminal and sends information about the revenue to be returned to the first user according to the usage status to the first terminal.

[0355] (18) A program that causes a computer to perform the following functions:

[0356] An information management unit manages information including consent information sent from a first terminal regarding the provision of financial transaction information between a first user and a financial institution, selection information of the public destination of the financial transaction information, and asset management information of the financial transaction information provided with the consent of the first user.

[0357] An information providing unit provides the asset management information to a service providing device selected as the public destination.

[0358] A generation unit that generates information about the UI of a browsing page based on the asset management information;

[0359] A sending unit, in response to a request from a second terminal used by a second user, sends information about the UI of the browsing page to the second terminal; and

[0360] The revenue return unit manages the usage status of the UI of the browsing page by the second terminal and sends information about the revenue to be returned to the first user according to the usage status to the first terminal.

[0361] (19) An information processing terminal, comprising:

[0362] A consent-providing unit obtains consent from the user, based on the user's actions, to provide financial transaction information between the user and the financial institution.

[0363] The sending unit sends information about the consent and the selection of the public destination for the financial transaction information to the information providing device; and

[0364] A receiving unit receives from the information providing device information about the usage status of the UI of the browsing page according to other information processing terminals, and information about the benefits to be returned to the user. The UI of the browsing page is based on asset management information including the financial transaction information, information about the consent, and information on the selection of the public destination of the financial transaction information.

[0365] (20) An information processing terminal, comprising:

[0366] A communication unit, based on the operation of a second user, requests and receives information about the UI of a browsing page. This information is based on data including consent to provide financial transaction information between a first user and a financial institution, selection of the public destination for the financial transaction information, and asset management information regarding the financial transaction information provided with the consent of the first user.

[0367] An output control unit controls the output of received UI information about the browsing page.

[0368] List of reference numerals

[0369] 1. Asset Management Information Provider System

[0370] 11 User Terminals

[0371] 12-1~12-n Financial Institution Servers

[0372] 13 Information Bank / Asset Management Server

[0373] 14-1~14-n Service Servers

[0374] 15 user terminals

[0375] 16 Internet

[0376] 21 CPU

[0377] 24 RAM

[0378] 26 input units

[0379] 27 Output Units

[0380] 28 communication units

[0381] 41 Control Unit

[0382] 42 Information Providing Consent Unit

[0383] 43 Revenue Management Unit

[0384] 44 Display Control Unit

[0385] 51 control unit

[0386] 52 Financial Transaction Information DB

[0387] 61 control unit

[0388] 62 Information Management Unit

[0389] 63 UI Generation Unit

[0390] 64 Information Providing Units

[0391] 65 Advertising Data Management Unit

[0392] 66 Browse User Management Unit

[0393] 67 Browsing Information Management Unit

[0394] 68 Profit Return Management Unit

[0395] 69 Connecting Control Unit

[0396] 71 Asset Management Information DB Containing Personal Information

[0397] 72 Asset Management Information DBs that do not contain personal information

[0398] 81 control unit

[0399] 82 Big Data Management DB

[0400] 83 Advertising Management DB

[0401] 91 control unit

[0402] 92 Display Control Unit

Claims

1. An information providing device, comprising: An information management unit manages information including consent information sent from a first terminal regarding the provision of financial transaction information between a first user and a financial institution, selection information of the public destination of the financial transaction information, and asset management information of the financial transaction information provided with the consent of the first user. An information providing unit provides the asset management information to a service providing device selected as the public destination. A generation unit that generates information about the UI of a browsing page based on the asset management information; A sending unit, in response to a request from a second terminal used by a second user, sends information about the UI of the browsing page to the second terminal; and The revenue return unit manages the usage status of the UI of the browsing page by the second terminal and sends information about the revenue to be returned to the first user according to the usage status to the first terminal. The UI of the browsing page displays operation components for direct communication between the second user and the first user. The information providing device further includes a connection control unit, which connects the first terminal and the second terminal according to the operation of the operating components on the UI of the browsing page via the second terminal. This connection enables direct communication between the first user and the second user using a chat tool on a social networking service. The direct communication between the first user and the second user takes place within a pre-set predetermined time period, and the time of direct communication can be extended. The information management unit also manages the attribute information of the first user, which is obtained by anonymizing the personal identification information in the asset management information.

2. The information providing device according to claim 1, further comprising: The receiving unit receives information about the consent and the selection information of the public destination from the first terminal, and receives the financial transaction information from the financial institution's financial institution server.

3. The information providing device according to claim 2, wherein The receiving unit also receives credibility guarantee information from the financial institution's server, ensuring the credibility of the financial transaction information. The information management unit also manages the credibility guarantee information.

4. The information providing device according to claim 2, wherein The receiving unit also receives the attribute information of the first user from the first terminal.

5. The information providing device according to claim 1, wherein The revenue return unit determines the revenue to be returned to the first user based on at least one of the usage fee of the asset management information in the service providing device or the number of times the second user views the UI of the browsing page.

6. The information providing device according to claim 1, further comprising: A browsing information management unit evaluates and manages the content of communication between a first user and a second user during the connection between a first terminal and a second terminal.

7. The information providing device according to claim 6, wherein After the interaction between the first user and the second user ends, the browsing information management unit acquires and manages the evaluations for the first user and the second user, respectively.

8. The information providing device according to claim 6, wherein If a second user opens an account with the financial institution based on the communication, the revenue return unit is configured to return a portion of the fees paid by the financial institution to the first user as revenue.

9. The information providing device according to claim 6, wherein The information providing unit will provide the financial institution's server with the information about the financial institution obtained from the communication between the first user and the second user as feedback information.

10. The information providing device according to claim 1, wherein The UI of the browsing page displays search criteria for investment cases included in the asset management information, as well as investment cases that match the search criteria.

11. The information providing device according to claim 10, wherein The UI of the browsing page displays at least one example of a successful investment and one example of a failed investment.

12. The information providing device according to claim 10, wherein The UI of the browsing page displays advertising images provided by the service provider's device.

13. The information providing device according to claim 1, wherein The generation unit generates information about the UI for an information input page used in the first terminal to obtain consent from the first user to provide the financial transaction information.

14. The information providing device according to claim 13, wherein In the UI of the information input page, at least one of the following is set: the financial institution that provides the financial transaction information, the type of financial transaction information to be provided, and the time period for providing the financial transaction information.

15. An information provision method, comprising: The management includes information sent from the first terminal regarding consent to provide financial transaction information between the first user and the financial institution, selection information for the public destination of the financial transaction information, and asset management information of the financial transaction information provided with the consent of the first user; The asset management information is provided to the service provider equipment selected as the public destination; Generate information about the UI of the browsing page based on the asset management information; In response to a request from a second terminal used by a second user, information about the UI of the browsing page is sent to the second terminal; and The system manages the second terminal's usage status of the browsing page's UI and sends information about the revenue to be returned to the first user based on the usage status to the first terminal. The UI of the browsing page displays operation components for direct communication between the second user and the first user. The information provision method further includes connecting a first terminal and a second terminal according to the operation of the operation components on the UI of the browsing page via the second terminal. This connection enables direct communication between the first user and the second user using a chat tool on a social networking service. The direct communication between the first user and the second user takes place within a pre-set predetermined time period, and the time of direct communication can be extended. The information provision method further includes: managing the attribute information of a first user, wherein the attribute information of the first user is obtained by anonymizing the personal identification information in the asset management information.

16. A program product that causes a computer to perform the following functions: An information management unit manages information including consent information sent from a first terminal regarding the provision of financial transaction information between a first user and a financial institution, selection information of the public destination of the financial transaction information, and asset management information of the financial transaction information provided with the consent of the first user. An information providing unit provides the asset management information to a service providing device selected as the public destination. A generation unit that generates information about the UI of a browsing page based on the asset management information; A sending unit, in response to a request from a second terminal used by a second user, sends information about the UI of the browsing page to the second terminal; and The revenue return unit manages the usage status of the UI of the browsing page by the second terminal and sends information about the revenue to be returned to the first user according to the usage status to the first terminal. The UI of the browsing page displays operation components for direct communication between the second user and the first user. The program product also enables the computer to perform the following functions: a connection control unit that connects a first terminal and a second terminal according to the operation of the operating components on the UI of the browsing page via a second terminal; the connection enables direct communication between a first user and a second user using a chat tool on a social networking service; the direct communication between the first user and the second user takes place within a predetermined time period, and the time of the direct communication can be extended; and The information management unit also manages the attribute information of the first user, which is obtained by anonymizing the personal identification information in the asset management information.

17. An information processing terminal, comprising: A consent-providing unit obtains consent from the user, based on the user's actions, to provide financial transaction information between the user and the financial institution. The sending unit sends information about the consent and the selection information of the public destination of the financial transaction information to the information providing device; and The receiving unit receives from the information providing device information regarding the usage status of the UI of the browsing page according to other information processing terminals, and information about the benefits to be returned to the user. The UI of the browsing page is based on asset management information including the financial transaction information, information regarding the consent, and information on the selection of the public destination of the financial transaction information. The sending unit and the receiving unit are configured to enable direct communication between the user of the information processing terminal and the users of other information processing terminals via chat tools on the UI of the browsing page, based on the operation of the operation components displayed on the UI of the browsing page. The direct communication between the user of the information processing terminal and the users of other information processing terminals takes place within a pre-set predetermined time period, and the time of direct communication can be extended. The sending unit also sends attribute information of the user of the information processing terminal, wherein the attribute information of the user of the information processing terminal is obtained by anonymizing the personal identification information in the asset management information.

18. An information processing terminal, comprising: A communication unit that, based on the operation of a second user, requests and receives information about the UI of a browsing page. This information about the UI is based on information including consent to provide financial transaction information between a first user and a financial institution, selection information regarding the public destination of the financial transaction information, and asset management information about the financial transaction information provided with the consent of the first user. and An output control unit controls the output of received UI information about the browsing page. The communication unit is configured to enable direct communication between a first user and a second user via operation of a chat tool on the UI of the browsing page. This direct communication occurs within a pre-set time period, and the communication time can be extended. The UI information regarding the browsing page is also based on the attribute information of the first user, which is obtained by anonymizing the personal identification information in the asset management information.

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