Information processing apparatus, information processing system, and information processing method

Abstract

To realize provision of new service with higher user satisfaction.SOLUTION: An information processing server 2 has a server information processing unit 10 which can execute processing for acquiring user asset related information relating to arrangement or fluctuation of user assets, processing for, based on the user asset related information, deriving a value of consideration given to the user by a method of reflecting the arrangement or fluctuation of the user assets, and processing for executing processing relating to giving the consideration to the user.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to an information processing device, an information processing system, and an information processing method for processing information about a user. [Background technology]

[0002] Conventionally, various services provided to users have been proposed. For example, Patent Document 1 describes a service that manages a user's medication status and provides benefits to a user who takes medication according to dosage instructions. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2021-177330 Summary of the Invention [Problem to be solved by the invention]

[0004] With regard to services provided to users, new services that will bring high user satisfaction are constantly being sought.

[0005] The present invention has been made to solve such problems, and has an object to provide a new service that provides high user satisfaction. [Means for solving the problem]

[0006] In order to solve the above-mentioned problems, the present invention obtains user property-related information relating to the composition or changes in the user's property, derives the value of compensation to be granted to the user based on the user property-related information in a manner that reflects the composition or changes in the user's property, and performs processing related to granting the compensation to the user. Effect of the Invention

[0007] According to the present invention configured as described above, a service can be provided in which a user is compensated in response to providing information on the composition or fluctuation of their assets. Users who use this service can receive compensation by providing information on the composition or fluctuation of their assets, and are highly satisfied. In other words, according to the present invention, a new service that provides high user satisfaction can be provided. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of a configuration of an information processing system according to an embodiment. [Diagram 2] 4 is a block diagram showing an example of a functional configuration of an information processing server and a user terminal according to an embodiment; FIG. [Diagram 3] FIG. 1 is a diagram showing an overview of consultation-related services. [Figure 4] FIG. 1 is a diagram showing an overview of a consideration providing service. [Diagram 5] FIG. 13 is a diagram showing an example of a provision registration screen. [Figure 6] FIG. 2 is a diagram used to explain the operation of the information processing server. [Figure 7] FIG. 13 is a diagram showing the contents of a user property related information management database. [Figure 8] FIG. 13 is a diagram showing an example of an individual insurance product setting screen. [Figure 9] 13 is a flowchart showing an information processing method performed by the information processing server. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] An embodiment of the present invention will be described below with reference to the drawings. Fig. 1 is a diagram showing an example of the configuration of an information processing system 1 according to this embodiment. As shown in Fig. 1, the information processing system 1 includes an information processing server 2 (information processing device, computer), one or more user terminals 3, and one or more proposer terminals 4. The information processing server 2, the user terminals 3, and the proposer terminals 4 can all be connected to a network N including the Internet, a telephone network, and other communication networks.

[0010] The information processing server 2 provides a service (hereinafter referred to as "consultation-related service") related to mediation between a seeker who posts a consultation and a proposer who provides a proposal for the consultation. In particular, in this consultation-related service, a seeker can post a consultation about his / her property, and a proposer can provide a proposal for the consultation. The consultation-related service will be described in detail later. Furthermore, the information processing server 2 provides a consideration provision service, which will be described later. Hereinafter, the services provided by the information processing server 2 are collectively referred to as "the service". The service includes the consultation-related service and the consideration provision service. In addition, below, the entity that operates the service is referred to as the "operator". Furthermore, a person who has registered with the service (excluding the proposer) is referred to as the "user". A user can log in to an account for the service by using his / her own login information (for example, a combination of a login ID and a password). A seeker means a user who posts a consultation by using the consultation-related service. In other words, a user who has registered with the service can use the consultation-related service as a seeker. Consultation will be described later. Meanwhile, a proposer means a person who can provide a proposal for a consultation by using the consultation-related service. Proposals will be described later. The proposer may be an individual, a company, an organization, or any other organization (the same applies to the consultee). The proposer is registered with the Service and can log in to the account of the Service using his / her own login information (for example, a combination of login ID and password).

[0011] The information processing server 2 is a server device capable of communicating with the user terminal 3 and the proposer terminal 4 via the network N. As described above, the information processing server 2 executes processing related to the present service. In FIG. 1 and FIG. 2 described later, the information processing server 2 is represented by one block. However, this does not mean that the information processing server 2 is composed of a single server device. For example, the information processing server 2 may be composed of multiple server devices. In this case, the server devices constituting the information processing server 2 may include a Web server or a Web application server. The information processing server 2 may also be a part of a predetermined system.

[0012] The user terminal 3 is a terminal (computer) used by a user. The user terminal 3 is a convenient reference to a terminal used by a user, and does not mean a terminal used exclusively by the user. The user terminal 3 may be of any type. For example, a tablet computer (including a so-called smartphone), a desktop computer, or a notebook computer may function as the user terminal 3. The same applies to the proposer terminal 4, which may be of any type.

[0013] The proposer terminal 4 is a terminal (computer) used by the proposer. The proposer terminal 4 refers to the terminal used by the proposer for the sake of convenience, and does not mean a terminal used exclusively by the proposer. When the proposer is an organization, the person who actually uses the proposer terminal 4 is an individual who belongs to the organization. However, in this embodiment, an individual who uses the proposer terminal 4 in an organization is also referred to as a "proposer." This also applies when the consultant is an organization.

[0014] Fig. 2 is a block diagram showing an example of a functional configuration of the information processing server 2 and the user terminal 3. As shown in Fig. 2, the information processing server 2 includes, as its functional configuration, a server information processing unit 10 (information processing unit), a server communication unit 11, and a server storage unit 12. The user terminal 3 includes, as its functional configuration, a user terminal information processing unit 13 (information processing unit), a user terminal communication unit 14, a user terminal display unit 15, a user terminal input unit 16, and a user terminal storage unit 17.

[0015] The server information processing unit 10 of the information processing server 2 includes a processing device and a primary storage device. The processing device is a device having an information processing function and includes a CPU. The CPU includes a control device, an arithmetic unit, a register, and a cache memory. The primary storage device includes a DRAM and other volatile memories. The server information processing unit 10 executes information processing by the processing device reading out a program stored in the server storage unit 12 into the primary storage device and executing it. That is, the server information processing unit 10 executes information processing by cooperation between hardware and software. The server communication unit 11 includes a communication device having a function of communicating with an external device. The communication device includes a communication control device and a network interface. The server communication unit 11 communicates with the external device by the communication device under the control of the server information processing unit 10. In the following, the communication using the network N by the information processing server 2 and other communications are appropriately performed by the server communication unit 11, and detailed explanations are omitted. The server storage unit 12 includes a hard disk drive (which may be another magnetic storage device), a ROM, a flash memory, and other non-volatile memories. The server storage unit 12 stores data in the non-volatile memory.

[0016] The user terminal information processing unit 13 of the user terminal 3 includes a processing device having an information processing function and a primary storage device. The processing device reads out a program stored in the user terminal storage unit 17 into the primary storage device and executes the program, thereby executing the information processing. That is, the user terminal information processing unit 13 executes the information processing by cooperation between hardware and software. The user terminal communication unit 14 includes a communication device having a communication control device and a network interface. The user terminal communication unit 14 communicates with an external device by the communication device under the control of the user terminal information processing unit 13. In the following, the communication using the network N by the user terminal 3 is appropriately performed by the user terminal communication unit 14, and detailed description is omitted. The user terminal display unit 15 includes a liquid crystal panel, an organic EL panel, and other display devices. The user terminal display unit 15 displays an image on the display device under the control of the user terminal information processing unit 13. The user terminal input unit 16 includes a keyboard, a mouse, a touch panel, and other input devices. The user terminal input unit 16 detects an input to the input device and outputs the detection result to the user terminal information processing unit 13. The user terminal storage unit 17 includes a non-volatile memory and stores data in the non-volatile memory.

[0017] 2, the server storage unit 12 of the information processing server 2 stores a user management database 19. The user management database 19 is a database that manages information about each user (user account) of the present service. A record is registered in the user management database 19 for each user. Each record stores information about the corresponding user.

[0018] As shown in FIG. 2, a dedicated application AP (hereinafter referred to as the "dedicated application AP") is installed in the user terminal 3 and the proposer terminal 4. The dedicated application AP is dedicated software that implements a function to provide various screens related to the service, a function to transmit and receive various information to and from the information processing server 2, and a function to execute other processes related to the service. Regarding the process related to the service, the user terminal information processing unit 13 (similar to the information processing unit of the proposer terminal 4) basically executes the process by using the function of the dedicated application AP (including the OS of the terminal, a Web application in which the dedicated application AP can be used, and other programs that can cooperate with the dedicated application AP). Even if not specifically described, the user terminal information processing unit 13 executes the following process as necessary. That is, the user terminal information processing unit 13 communicates with the server information processing unit 10 of the information processing server 2 as necessary, and acquires necessary information from the server information processing unit 10. In addition, the user terminal information processing unit 13 communicates with the server information processing unit 10 of the information processing server 2 as necessary, requests the server information processing unit 10 to execute the necessary process, and acquires the process result. The information processing server 2 stores all the information to be provided to the user terminal information processing unit 13. The server information processing unit 10 also has a function of executing processing in response to a request from the user terminal information processing unit 13. The above also applies to the upper processing unit of the proposer terminal 4.

[0019] <Overview of consultation-related services> Next, an overview of the consultation-related service will be described. FIG. 3 is a diagram used to explain the overview of the consultation-related service. In FIG. 3, a block showing a user terminal 3 is placed on the left side of the figure, a block showing an information processing server 2 is placed to the right of the block, and a block showing a proposer terminal 4 is placed to the right of the block. As described above, a user who has registered an account with this service can use the consultation-related service as a consultant. In the explanation using FIG. 3, the overview of the consultation-related service will be described focusing on one consultant (user) and one proposer.

[0020] As shown in Fig. 3, the consulter posts a consultation using a consultation-related service (step FA1). Specifically, the consulter inputs and confirms the consultation in text form into a predetermined user interface displayed on the user terminal display unit 15 of the user terminal 3 by the function of the dedicated application AP. In response to this, the user terminal information processing unit 13 transmits information indicating the consultation to the information processing server 2. Note that in this embodiment, the text is composed of characters. Characters are a concept that includes all usable objects. Characters may include pictograms.

[0021] In this embodiment, the consultation is a concept including all subjects for which a proposer wishes to make a proposal. The consultation is, for example, a worry, a request, a job request, an inquiry assuming a transaction, or a request for a quote. In particular, in this embodiment, the consultation may include a consultation regarding the client's assets. That is, the client can post a consultation regarding his / her assets using the consultation-related service (however, the client can naturally post a consultation other than "consultation regarding the client's assets"). The consultation regarding the client's assets is a consultation related to matters that have some effect or may have some effect on the client's assets. In this embodiment, the client's assets is a general term for things that are valuable to the client (especially things that have monetary / economic value regardless of whether they are positive or negative), regardless of tangible / intangible, movable / real estate, or financial assets / real assets. The client's assets include, for example, financial assets (bank deposits, investment trusts, stocks, corporate bonds, public bonds, and specified insurance), real estate, houses, cash, goods, household goods, insurance products, savings, and account balances.

[0022] For example, consultations regarding assets from clients include "I'm looking for life insurance," "I'm planning on having a child next year. Are there any good educational endowment insurance plans?", "I'm looking for a securities company with low fees," and "I want to sell my apartment in ward X of Tokyo." Other consultations include, for example, "I want to move from ward X of Tokyo to ward X of Osaka in July 2023," and "I'm looking for a wedding venue that can be booked around July of this year." After receiving proposals from one or more proposers for the consultation, the client adopts one of the proposals and posts the consultation with the intention of concluding a deal with the proposer of the adopted proposal.

[0023] The server information processing unit 10 of the information processing server 2 presents the consultation posted by the client to the proposer (step FA2). Specifically, the server information processing unit 10 executes the following process in response to a request from the proposer terminal 4 of the proposer. That is, the server information processing unit 10 transmits necessary information to the proposer terminal 4 and causes a consultation list screen to be displayed on the display unit of the proposer terminal 4. The consultation list screen is a screen that displays a list of information related to consultations that have not yet been concluded. Here, it is assumed that consultations are posted by multiple clients. Information related to multiple consultations from multiple clients is displayed on the consultation list screen.

[0024] When the proposer refers to the consultation list screen and considers to provide a proposal for any consultation, the proposer performs the following operations. That is, the proposer selects a consultation for which a proposal is to be provided from the consultation list screen. Next, the proposer provides a proposal for the selected consultation (step FA3). Specifically, the proposer inputs a proposal for the consultation in text form into a predetermined user interface displayed on the display unit of the proposer terminal 4 by the function of the dedicated application AP. Furthermore, the proposer inputs information indicating the conditions for a contract to be concluded (hereinafter referred to as "contract-related conditions") into the predetermined user interface. After inputting the proposal and the information indicating the contract-related conditions, the proposer confirms the input. In response to this, the information processing unit of the proposer terminal 4 transmits information indicating the proposal and the contract-related conditions to the server information processing unit 10. Note that the configuration may be such that the proposer can set a value for "amount of money for providing a proposal using the consultation-related service" (hereinafter referred to as "amount of money for providing a proposal") in addition to the proposal and the contract-related conditions. In this configuration, the proposer may pay the operator a fee derived based on the value of the proposal provision fee set by the proposer himself / herself (as an example, a fee equal to the proposal provision fee multiplied by a predetermined percentage (e.g., 10%)).

[0025] The server information processing unit 10 presents the proposal provided by the proposer to the solicitor (step FA4). It is assumed that proposals are provided by multiple proposers and multiple proposals are presented to the solicitor. Concerning the presentation of the proposal, specifically, the server information processing unit 10 executes the following process in response to a request from the user terminal 3 of the solicitor. That is, the server information processing unit 10 transmits necessary information to the user terminal information processing unit 13 and displays a proposal list screen on the user terminal display unit 15 of the user terminal 3. The proposal list screen is a screen in which information on each proposal provided for a certain consultation is displayed in a list. Here, the solicitor can communicate with any proposer by using the consultation-related service. The solicitor communicates with the proposer about the proposal he / she wishes to adopt by using the consultation-related service, and further takes action to establish the contract-related conditions. When the solicitor determines that a certain proposal satisfies the contract-related conditions, he / she applies to the information processing server 2 to that effect by using the user interface provided by the dedicated application AP (step FA5). On the other hand, if the proposer determines that the seeker satisfies the contract-related conditions, the proposer notifies the information processing server 2 of this fact using the user interface provided by the dedicated application AP (step FA6).

[0026] When both the seeker and the proposer submit an application to the effect that the conditions related to the conclusion of the contract are satisfied, the server information processing unit 10 determines that a contract has been concluded between the seeker and the proposer. In the above-mentioned flow, after the seeker posts a consultation, a contract is concluded between the seeker and the proposer. Note that when a contract is concluded between the seeker and the proposer, a compensation (hereinafter referred to as a "contract compensation") may be given from the proposer to the operator. In this configuration, when the proposer sets the proposal provision compensation, the server information processing unit 10 may derive the contract compensation based on the value of the proposal provision compensation. For example, the server information processing unit 10 sets the value obtained by multiplying the value of the proposal provision compensation by a predetermined rate as the contract compensation. In addition, when a contract is concluded between the seeker and the proposer, a compensation (hereinafter referred to as a "correspondence compensation") may be given from the operator to the seeker. In this configuration, when the proposer sets the proposal provision compensation, the server information processing unit 10 may derive the correspondence compensation based on the value of the proposal provision compensation. For example, the server information processing unit 10 determines the corresponding consideration to be a value obtained by multiplying the proposed provision consideration by a predetermined rate.

[0027] Using the above consultation-related services, for example, the following exchanges are realized between the consulter and the proposer. The following is a simplified example. For example, consulter X1 posts a consultation saying, "I would like to move from XX ward in Tokyo to XX ward in Osaka by July 2023." The posted consultation is then presented to moving company proposer Y1 and moving company proposer Y2. Moving company proposer Y1 wants to respond to the consultation, and offers a proposal saying, "Our moving service can handle it. Please consult us first. Our website is..., contact information is...", and sets a contract-related condition of "Formally contract to use the moving service." Moving company proposer Y2 wants to respond to the consultation, and offers a proposal saying, "We are a familiar XX company from commercials. Please use our office. Our website is..., contact information is...", and sets a contract-related condition of "Request a quote." The proposals of proposer Y1 and proposer Y2 are presented to consulter X1. The consultant X1 refers to both proposals, decides to adopt the proposal of the proposer Y1, and communicates with the proposer Y1 as appropriate to take action to satisfy the conditions related to the contract (in this example, action to formally contract for the use of the moving service). When the consultant X1 formally contracts for the use of the moving service related to the proposer Y1, a contract is concluded between the two parties. When the contract is concluded, the consultant X1 and the proposer Y1 apply for a contract.

[0028] As described above, in consultation-related services, the person seeking advice can post a consultation and receive proposals from proposers. The person seeking advice can then adopt the proposal that best suits him or her and conclude the transaction if desired.

[0029] <Overview of services provided> As described above, a user who has registered an account with this service can further use the value-providing service. The following provides an overview of the value-providing service. FIG. 4 is a diagram used to explain the overview of the value-providing service. As shown in FIG. 4, the server information processing unit 10 of the information processing server 2 acquires user property-related information relating to the composition or changes in the user's property (step FB1). The user property-related information will be described later. The server information processing unit 10 acquires the user property-related information from the user terminal 3, or, with the user's consent, acquires the user property-related information from a system that manages user information or a third party (which may be an institution or organization).

[0030] The server information processing unit 10 derives the value of the compensation to be given to the user based on the user property-related information in a manner that reflects the composition or fluctuation of the user's property (step FB2). Hereinafter, the compensation derived here is referred to as the "information provision compensation". In this embodiment, the value of the information provision compensation is expressed as an amount of legal tender. This also applies to other compensations. Next, the server information processing unit 10 executes processing related to the granting of the information provision compensation to the user (step FB3). As a result, the information provision compensation is granted to the user. As described above, according to the compensation providing service, a user can obtain the information provision compensation by providing user property-related information relating to the user. The significance of the compensation providing service will become clear later.

[0031] <Operation of information processing system 1 for fee-based services> Next, the operation of the information processing system 1 regarding the value providing service will be explained by dividing it into scenes. For the sake of convenience in the following explanation, it is assumed that the type of the user terminal 3 is a smartphone. The smartphone has a tablet-type housing. A display panel (display device) and a touch panel (input device) are provided in a large area on the front of the housing. In the following explanation, one of the users is referred to as a "user of interest."

[0032] <Scene where the user sets user-related information> As described above, in the value providing service, a user can receive a value for providing information by providing user property-related information. In this embodiment, there are multiple types of user property-related information, and the user can provide any type (which may be multiple types) of user property-related information. Below, the operation of the information processing system 1 in a scene where the user sets the user-related information will be described. In the following description, the user operating the user terminal 3 is referred to as the "user of interest."

[0033] First, the noted user launches the dedicated application AP of the user terminal 3, inputs login information, and logs into the account of the service. The login may be performed automatically using a secure method. Next, the noted user performs the necessary operations to instruct the display of the provision registration screen 20 (FIG. 5). The user terminal information processing unit 13 detects this instruction, and works with the server information processing unit 10 to display the provision registration screen 20 on the user terminal display unit 15. As described above, the user terminal information processing unit 13 obtains the necessary information from the server information processing unit 10 when displaying the screen.

[0034] FIG. 5 is a diagram showing an example of the provision registration screen 20. As shown in FIG. 5, the provision registration screen 20 is provided with a button for each type of user property related information. In detail, in this embodiment, there are first to fourth types of user property related information. Hereinafter, the first type of user property related information is referred to as "first information", the second type of user property related information is referred to as "second information", the third type of user property related information is referred to as "third information", and the fourth type of user property related information is referred to as "fourth information". The provision registration screen 20 is provided with a first information button 21 corresponding to the first information, a second information button 22 corresponding to the second information, a third information button 23 corresponding to the third information, and a fourth information button 24 corresponding to the fourth information, in order from the top.

[0035] The noted user selects information to be provided as user property-related information from among the first information to the fourth information, performs necessary settings, and registers it. Hereinafter, the notable user's registration of desired information from among the first information to the fourth information is referred to as "provision registration". For example, the notable user can provide and register the first information and the second information, and not provide and register the third information and the fourth information. In this case, the information provision compensation based on the first information and the information provision compensation based on the second information are given to the noted user, and the information provision compensation based on the third information and the information provision compensation based on the fourth information are not given to the noted user. As shown in FIG. 5, the provision registration screen 20 displays information indicating whether the provision registration of the first information to the fourth information has been completed, in association with the first information button 21 to the fourth information button 24. FIG. 5 shows the provision registration screen 20 displayed when the first information has been provided and the second to fourth information have not been provided. Hereinafter, each of the first information to the fourth information will be described in detail.

[0036] ●First information The first information is information indicating the end-of-month balance of stocks, bonds, and investment trusts held by a user (the user of interest in this example). When the user provides and registers the first information, the user provides information indicating the end-of-month balance of stocks, bonds, and investment trusts held by the user for each month, and receives compensation (compensation for providing information). In this embodiment, the end-of-month balance means the valuation (amount) at the end of the month. In the following description, when stocks, bonds, and investment trusts are not differentiated, they are expressed as "first financial assets." For example, it is assumed that the user of interest holds stocks k1 of company C1, stocks k2 of company C2, corporate bonds s3-1 and s3-2 of company C3, local government bonds e1 of local government T1, investment trusts u1, and investment trusts u2. In this case, information indicating the end-of-month balance of stocks k1, stocks k2, corporate bonds s3-1, s3-2, local government bonds e1, investment trusts u1, and investment trusts u2 corresponds to the first information. In this embodiment, regarding the first information, the smallest unit by which the balance can be distinguished corresponds to the “unit of unit.” In the above example, each of the stocks k1, k2, the corporate bonds s3-1, s3-2, the local government bonds e1, the investment trusts u1, and the investment trusts u2 corresponds to the “unit of unit.”

[0037] The first information corresponds to "information concerning the composition of the user's assets." This is because the first information is the composition of financial assets (assets) focusing on the balance at the end of the month. In particular, the first information corresponds to "information indicating the balance of each division at a certain point in time, which belongs to a specified category and in which the user holds and has a balance." And the "specified category" corresponds to "category related to financial assets," and in particular, "category related to stocks, bonds, and investment trusts." And the "division" corresponds to "financial assets by type," and in particular, "stocks by type, bonds by type, and investment trusts by type."

[0038] When the noted user registers the first information, the noted user selects the first information button 21. When the noted user selects the first information button 21, the user terminal information processing unit 13 cooperates with the server information processing unit 10 to display the following first user interface (hereinafter referred to as the "first UI") on the user terminal display unit 15. The first UI is a user interface for setting up a state in which the server information processing unit 10 can acquire the noted user's first information. The first UI may be composed of a plurality of screens that are displayed in stages according to a user's instruction. In this embodiment, with regard to the first information, the server information processing unit 10 uses a WebAPI provided by the system of a bank, a securities company, or other organization (particularly a financial institution) to access the system and acquire information related to the first information (particularly information required to generate the first information) from the system.

[0039] For example, suppose that the noted user has opened accounts at a securities company Q1 and a bank G1 in which the noted user can hold a first financial asset (stocks, bonds, or investment trusts). In this case, the server information processing unit 10 accesses the system of the securities company Q1 to obtain the balance of each type of the first financial asset held by the noted user, and also accesses the system of the bank G1 to obtain the balance of each type of the first financial asset held by the noted user. In light of the above, the first UI is a user interface for making various settings to create a state in which the information processing server 2 is granted the authority (hereinafter referred to as "access authority") to access each system via a WebAPI from each of one or more systems designated by the user and obtain information about the user. Regarding the access authority, if there is information required when the server information processing unit 10 sends an access request to each system (for example, information equivalent to a license and a registration certificate), the information is appropriately obtained.

[0040] The first UI includes a user interface for selecting an organization (e.g., a financial institution) where the user has an account, a user interface for obtaining the consent of the noted user for the server information processing unit 10 to transmit and receive the information of the noted user to and from the system of each organization via the WebAPI, and a user interface for allowing the user to log in to the system of the selected organization. As a result of the setting by the noted user using the user interface, the information processing server 2 is granted access authority to each system of the organization where the noted user has an account, and the server information processing unit 10 accesses each system, and a state is established in which the noted user's information can be transmitted and received between each system. For example, assume that the noted user holds stocks k1 and k2 in an account with securities company Q1, and further holds corporate bonds s3-1 in an account with bank G1. In this case, as a result of the setting by the noted user using the first UI, the server information processing unit 10 can obtain the balance of stocks k1 and stocks k2 of the noted user from the system of securities company Q1, and can obtain the balance of corporate bonds s3-1 of the noted user from bank G1, as shown in FIG. 6.

[0041] The provision and registration of the first information is completed by confirming the setting using the first UI displayed after the first information button 21 is selected. The server information processing unit 10 registers the information set regarding the first information in a record corresponding to the target user in the user management database 19 stored in the server storage unit 12. Furthermore, when the provision and registration of the first information is completed, the information displayed in association with the first information button 21 on the provision and registration screen 20 becomes information indicating that the provision and registration is completed.

[0042] When the first information is provided and registered by the noted user, the server information processing unit 10 executes the following process. That is, the server information processing unit 10 collects information on the first information corresponding to a certain month for the noted user at a predetermined timing after the end of the month, and stores the first information in the server storage unit 12. A specific example will be given below for more details. For example, it is assumed that the noted user has opened accounts at both securities company Q1 and bank G1. In this case, in response to the provision and registration of the first information, the information processing server 2 is granted access authority to access the systems of securities company Q1 and bank G1 to obtain information on the noted user. In this example, it is assumed that the end of July 2023 has arrived. Then, at a predetermined timing after the end of the month, the server information processing unit 10 accesses the system of securities company Q1 to obtain the balance at the end of July for each of the first financial assets by type managed in the account of the noted user, and further accesses the system of bank G1 to obtain the balance at the end of July for each of the first financial assets by type managed in the account of the noted user.

[0043] Here, the server storage unit 12 stores the user property related information management database 26. FIG. 7A is a diagram showing the contents of one record in the user property related information management database 26. The user property related information management database 26 has a record registered for each user. As shown in FIG. 7A, one record in the user property related information management database 26 has fields including a user ID <field>, a first information <field>, a second information <field>, a third information <field>, and a fourth information <field>. The user ID <field> stores a user ID that is identification information of the user. The first information <field> stores first information management data. FIG. 7B is a diagram showing an example of the contents of the first information management data. As shown in FIG. 7B, the first information management data includes, for each first financial asset held by the corresponding user for each month, a combination of identification information for identifying the first financial asset (hereinafter referred to as "first financial asset identification information") and a balance at the end of the month. The first financial asset identification information may be any information that can identify each type of financial asset. For example, if the first financial asset is a stock, information including a stock code may be used as the first financial asset identification information.

[0044] After obtaining the balance at the end of July for each of the first financial assets held by the noted user, the server information processing unit 10 updates the first information management data stored in the first information <field> of the record corresponding to the noted user in the user property related information management database 26 based on the obtained information. More specifically, the server information processing unit 10 additionally records a combination of first financial asset identification information and the balance at the end of July for each of the first financial assets held by the noted user in accordance with the format in the first information management data. The information recorded here corresponds to the "first information".

[0045] As a result of the above processing by the server information processing unit 10, at the end of each month, first information indicating the balance of each of the first financial assets by type held by the noted user is recorded in the user property related information management database 26. Note that the noted user has been described as an example, but the above processing is performed for all users. However, if a user has not provided and registered first information, the server information processing unit 10 will naturally not manage the first information of that user.

[0046] In this embodiment, the server information processing unit 10 accesses each system via WebAPI and acquires information related to the first information. However, the method by which the server information processing unit 10 acquires information related to the first information is not limited to the exemplified method. As an example, when acquiring the first information from a system of a certain financial institution, the server information processing unit 10 may acquire the first information by using a predetermined service provided by the financial institution, rather than using WebAPI. In addition, in this embodiment, the server information processing unit 10 communicates with the system to acquire the first information. In this regard, the user may appropriately provide all or part of the first information directly. In this configuration, for example, the following user interface is prepared. That is, a user interface is prepared that has a field for inputting a combination of information identifying financial assets by type (in this embodiment, stocks, bonds, or investment trusts by type) and information indicating the balance at the end of the month, and a field for uploading data (images, etc.) of a document proving that the combination holds financial assets and the balance. The user provides all or part of the first information by using the user interface. The above configuration may be used. In this case, the document confirmation may be configured to be performed automatically by the server information processing unit 10, or may be configured to be performed partially or entirely by manual means. After the first information is proposed and registered, the noted user can cancel the proposed registration at any time by using the first UI or other user interfaces, and can also change the contents of the settings at any time.

[0047] ●Second information The second information is information indicating the monthly (January, February, March, etc.) expenditure (payment amount) of insurance products of different types contracted by a user (the user of interest in this example). For example, assume that the user of interest has contracted life insurance h1-1, education insurance h1-2, and medical insurance h2 with insurance company H1. In this case, information indicating the monthly expenditure amount for each of life insurance h1-1, education insurance h1-2, and medical insurance h2 corresponds to the second information. In this embodiment, the smallest unit by which the expenditure amount can be distinguished and grasped with respect to the second information corresponds to the "unit of the ward". In the above example, each of life insurance h1-1, education insurance h1-2, and medical insurance h2 corresponds to the "unit of the ward".

[0048] The second information corresponds to "information regarding the composition of the user's assets." This is because the second information can be said to be the composition of insurance products focusing on monthly expenditures. In particular, the second information corresponds to "information indicating the amount of expenditure for a specified period for each district unit that belongs to a specified category, that the user holds or contracts, and for which the user may incur expenditures in relation to the holding or contracts." Furthermore, a "specified category" corresponds to a "category related to insurance products." Furthermore, a "division unit" corresponds to an "insurance product by type."

[0049] When the noted user wishes to register the provision of the second information, the noted user selects the second information button 22. When the noted user selects the second information button 22, the user terminal information processing unit 13 cooperates with the server information processing unit 10 to display the following second user interface (hereinafter referred to as the "second UI") on the user terminal display unit 15. The second UI is a user interface for setting the type of insurance product and the monthly expenditure amount for each insurance product that the noted user contracts for. The second UI may be composed of multiple screens that are displayed in stages in response to a user's instruction.

[0050] FIG. 8 is a diagram showing an example of an individual insurance product setting screen 27 included in the second UI. The individual insurance product setting screen 27 is a screen for inputting information about a certain insurance product and performing settings. As shown in FIG. 8, the individual insurance product setting screen 27 has an insurance company input field 28 for inputting an insurance company that provides the insurance product. The insurance company input field 28 can display a pull-down menu, and the noted user selects information to be input into the input field from the items recorded in the pull-down menu. An insurance product type input field 29 is provided below the insurance company input field 28 on the individual insurance product setting screen 27. After inputting into the insurance company input field 28 is completed, inputting into the insurance product type input field 29 becomes possible. The insurance product type input field 29 can display a pull-down menu, and the noted user selects information to be input into the input field from the items recorded in the pull-down menu. The pull-down menu displays all of the insurance products provided by the selected insurance company.

[0051] In the individual insurance product setting screen 27, an enrollment date input field 30 is provided below the insurance product type input field 29. The enrollment date input field 30 is a field for inputting the enrollment date (contract start date) of the insurance product. The individual insurance product setting screen 27 is provided with a monthly amount input field 31 for inputting the insurance premium (expense amount) paid each month. A detailed setting button 32 is provided in association with this monthly amount input field 31. When the detailed setting button 32 is selected, a screen for setting the insurance premium in more detail is displayed. In this screen, for example, when the insurance premium is paid annually, the payment month and payment amount can be set. The noted user can use this screen to make more detailed settings regarding the insurance premium.

[0052] The individual insurance product setting screen 27 is provided with a proof image upload button 33. The proof image upload button 33 is a button for selecting and uploading a photographed image of a document (hereinafter referred to as a "certificate") proving that the insurance product has been contracted and the amount of expenditure. When the proof image upload button 33 is selected, a screen for selecting one or more images from images stored in the user terminal 3 is displayed. The noted user photographs the certificate document in advance and stores the photographed image based on the photographed result in the user terminal 3. The noted user then uploads the photographed image to the information processing server 2 using the screen displayed after selecting the proof image upload button 33. The content of the uploaded image is confirmed by automatic means by the server information processing unit 10. However, a configuration in which some or all of the confirmation is performed manually may be used.

[0053] The user sets the type of insurance product and the amount of expenditure for each insurance product that the user contracts for, using the individual insurance product setting screen 27 shown in Fig. 8. The provision and registration of the second information is completed by confirming the setting using the second UI that is displayed after the second information button 22 is selected. The server information processing unit 10 registers the information set regarding the second information in a record corresponding to the noted user in the user management database 19. In addition, when the provision and registration of the second information is completed, the information displayed in association with the second information button 22 on the provision and registration screen 20 indicates that the provision and registration has been completed.

[0054] When the second information is provided and registered by the user of interest, the server information processing unit 10 executes the following process. That is, the server information processing unit 10 collects information on the second information corresponding to a certain month for the user of interest at a predetermined timing after the end of the month, and stores the second information in the server storage unit 12. A specific example will be given below for more details. For example, it is assumed that the user of interest has contracted life insurance h1 with insurance company H1 and medical insurance h2 with insurance company H2. It is also assumed that the monthly expenditure amount for life insurance h1 is 10,000 yen, and the monthly expenditure amount for medical insurance h2 is 5,000 yen. In this case, the type of insurance product and the monthly expenditure amount are set for each of life insurance h1 and medical insurance h2 according to the provision and registration of the second information. Then, in this example, it is assumed that the end of July 2023 has arrived. Then, the server information processing unit 10 executes the following process.

[0055] Here, second information management data is stored in the second information <field> of one record in the user property related information management database 26. Fig. 7(C) is a diagram showing a schematic example of the contents of the second information management data. As shown in Fig. 7(C), the second information management data includes, for each insurance product that the corresponding user will have in contract at the end of the month, a combination of identification information for identifying the insurance product (hereinafter referred to as "insurance product identification information") and an expenditure amount. The insurance product identification information may be any information that can identify each type of insurance product.

[0056] The server information processing unit 10 obtains the payment amount for July for each insurance product subscribed to by the noted user based on the information registered in the record corresponding to the noted user in the user management database 19. Next, the server information processing unit 10 updates the second information management data stored in the second information <field> of the record corresponding to the noted user in the user property related information management database 26. More specifically, the server information processing unit 10 additionally records, in the second information management data according to the format, a combination of insurance product identification information and the expenditure amount for July for each insurance product subscribed to by the noted user as of the end of July. The information recorded here corresponds to the "second information".

[0057] As a result of the above processing by the server information processing unit 10, at the end of each month, second information indicating the monthly expenditure amount for each type of insurance product subscribed to by the noted user is recorded in the user property related information management database 26. Note that the noted user has been described as an example, but the above processing is performed for all users. However, if a user has not provided and registered second information, the server information processing unit 10 will not naturally manage the second information of that user.

[0058] In this embodiment, the server information processing unit 10 is configured to acquire information on the second information based on information input by the user. However, the method by which the server information processing unit 10 acquires information on the second information is not limited to the exemplified method. As an example, the server information processing unit 10 may be configured to access the insurance company's system via a WebAPI and acquire the second information from the system by communication. In this configuration, the server information processing unit 10 appropriately acquires access authority in the same manner as for the first information. After the second information is proposed and registered, the noted user can cancel the proposed registration at any time using the second UI or other user interfaces, and can also change the contents of the settings at any time. In particular, the noted user promptly updates the settings when an insurance contract is canceled, added, or any other change occurs.

[0059] ●Third information The third information is information indicating the total amount of deposits and withdrawals for one month (January, February, March, etc.) in the bank account (in this embodiment, one bank account mainly used by the user) of the user (the user of interest in this example). The third information corresponds to "information regarding fluctuations in the user's assets." This is because the third information is information indicating fluctuations in the user's assets (deposits).

[0060] When the noted user wishes to provide and register the third information, the noted user selects the third information button 23. When the noted user selects the third information button 23, the user terminal information processing unit 13 cooperates with the server information processing unit 10 to display the following third user interface (hereinafter referred to as the "third UI") on the user terminal display unit 15. The third UI may be composed of a plurality of screens that are displayed in stages according to a user's instruction. Here, in this embodiment, with regard to the third information, the server information processing unit 10 uses a WebAPI provided by the bank's system to access the system and acquire the third information from the system. The third UI is a user interface for making various settings to obtain the access authority for the server information processing unit 10 to access the system regarding the noted user's information.

[0061] The provision and registration of the third information is completed by confirming the setting using the third UI displayed after the third information button 23 is selected. The server information processing unit 10 registers the information set regarding the third information in a record corresponding to the target user in the user management database 19 stored in the server storage unit 12. Furthermore, when the provision and registration of the third information is completed, the information displayed in association with the third information button 23 on the provision and registration screen 20 becomes information indicating that the provision and registration is completed.

[0062] When the third information is provided and registered by the noted user, the server information processing unit 10 executes the following process. That is, the server information processing unit 10 collects information on the third information corresponding to a certain month for the noted user at a predetermined timing after the end of the month, and stores the third information in the server storage unit 12. A detailed description will be given below with a specific example. For example, it is assumed that the noted user has opened a bank account at bank G1. In this case, in response to the provision and registration of the third information, the information processing server 2 is granted access authority to access the system of bank G1 and obtain information on the noted user. Then, in this example, it is assumed that the end of July 2023 has arrived. Then, the server information processing unit 10 accesses the system of bank G1 at a predetermined timing after the end of the month, and obtains the total amount of deposits and the total amount of withdrawals in July for the noted user's bank account.

[0063] Here, the third information management data is stored in the third information <field> of one record in the user property related information management database 26. FIG. 7(D) is a diagram showing an example of the contents of the third information management data. As shown in FIG. 7(D), the third information management data records the total deposit amount and the total withdrawal amount for the bank account for each month. After acquiring the total deposit amount and the total withdrawal amount for the bank account of the noted user in July, the server information processing unit 10 updates the third information management data corresponding to the noted user based on the acquired information. More specifically, the server information processing unit 10 additionally records the total deposit amount and the total withdrawal amount for the bank account of the noted user in July in the third information management data according to the format. The information recorded here corresponds to the "third information".

[0064] As a result of the above processing by the server information processing unit 10, at the end of each month, third information indicating the total amount of deposits and withdrawals for one month to the bank account of the noted user is recorded in the user property related information management database 26. Note that the above processing is performed for all users, although the noted user has been described as an example. However, if a user has not provided and registered the third information, the server information processing unit 10 will naturally not acquire the third information of that user.

[0065] In this embodiment, the server information processing unit 10 accesses each system via a WebAPI and acquires information related to the third information. However, the method by which the server information processing unit 10 acquires information related to the third information is not limited to the exemplified method. In this embodiment, the server information processing unit 10 communicates with the system to acquire information related to the third information. In this regard, the user may provide all or part of the third information as appropriate.

[0066] ●Fourth information The fourth information is information indicating the amount of expenditure for each item that classifies the monthly household expenditure of the user (the user of interest in this example). In this embodiment, the items are determined in advance. Hereinafter, the items targeted in this embodiment are referred to as "target items". The target items are, for example, housing expenses, communication expenses, utility expenses, food expenses, entertainment expenses, medical expenses, and daily necessities expenses. In this embodiment, the smallest unit by which the expenditure amount can be distinguished and understood with respect to the fourth information corresponds to an "item". For example, if the target items include housing expenses and communication expenses, each of the housing expenses and communication expenses corresponds to an "item". The fourth information corresponds to "information regarding the fluctuation of the user's assets". This is because the fourth information is information indicating expenditure that affects fluctuations in savings (assets). In particular, the fourth information corresponds to "information indicating the amount of expenditure for each item in a specified period for items that belong to a specified category and for which expenditure by the user may occur". And the "specified category" corresponds to a "category related to household finances".

[0067] When the noted user registers the provision of the fourth information, the noted user selects the fourth information button 24. When the noted user selects the fourth information button 24, the user terminal information processing unit 13 cooperates with the server information processing unit 10 to display the following fourth user interface (hereinafter referred to as the "fourth UI") on the user terminal display unit 15. The fourth UI may be composed of a plurality of screens that are displayed in stages according to a user's instruction. Here, in this embodiment, with respect to the fourth information, the server information processing unit 10 uses a WebAPI provided by the system of a bank, credit card company, payment service-related company, or other organization designated by the noted user to access the system and obtain necessary information from the system. The noted user uses the fourth UI to designate a financial institution where an account used by the noted user is opened for household expenditures, a financial institution (credit card company) that provides the credit card used by the noted user, an organization that provides the payment service used by the noted user (cashless payment service as an example), and an organization that can manage information regarding the expenditure amount of target items of other households. The fourth UI is provided with a user interface for designating each organization. Hereinafter, an organization designated by the noted user is referred to as a "designated organization." The fourth UI is a user interface for making various settings for obtaining access authority for the server information processing unit 10 to access the systems of each designated organization designated by the user with respect to the information of the noted user.

[0068] The provision and registration of the fourth information is completed by confirming the setting using the fourth UI displayed after the fourth information button 24 is selected. The server information processing unit 10 registers the information set regarding the fourth information in a record corresponding to the target user in the user management database 19 stored in the server storage unit 12. Furthermore, when the provision and registration of the fourth information is completed, the information displayed in association with the fourth information button 24 on the provision and registration screen 20 becomes information indicating that the provision and registration is completed.

[0069] When the fourth information is provided and registered by the user of interest, the server information processing unit 10 executes the following process. That is, the server information processing unit 10 acquires information on the fourth information corresponding to the month for the user of interest at a predetermined timing after the end of the month of the month, and stores the information in the server storage unit 12. A specific example will be described in detail below. For example, it is assumed that the user of interest has designated bank G1 and credit card company K1. In this case, in response to the provision and registration of the fourth information, the information processing server 2 is granted access authority to access bank G1 and credit card company K1 to acquire information on the user of interest. Then, in this example, it is assumed that the end of July 2023 has arrived. Then, at a predetermined timing after the end of the month, the server information processing unit 10 accesses the system of bank G1 and acquires the withdrawal amount and associated information provided by bank G1 regarding the withdrawal for each withdrawal made in July for the account of the user of interest. The associated information includes, for example, the date and time of the withdrawal, the information of the transfer destination if the withdrawal is a transfer, and the purpose / reason for the withdrawal. Furthermore, the server information processing unit 10 accesses the system of the credit card company K1 and acquires information on the July statement of the credit card of the user of interest. The information on the statement includes, for example, the date of credit card use, the place of use (including the purpose / reason for use in some cases), the amount used, summary, remarks, etc.

[0070] Next, the server information processing unit 10 derives (acquires) the expenditure amount for each predetermined target item regarding the household of the noted user based on the information acquired from the bank G1 and the information acquired from the credit card company K1. Here, in this embodiment, an engine (module, algorithm) that analyzes information on household expenditure for one month acquired from one or more organizations (information acquired from the bank G1 and the credit card company K1 in the above example) and derives the expenditure amount for each target item is stored in the server storage unit 12. Data used by the engine (for example, a table in which the transfer destination of a bank account is associated with the corresponding target item, or a table in which the destination of a credit card is associated with the corresponding target item) is also stored in the server storage unit 12. The server information processing unit 10 derives the expenditure amount for each target item using the engine. Note that the following configuration may be used. That is, the server information processing unit 10 presents the derived expenditure amount for each target item to the noted user through a screen displayed on the user terminal display unit 15 of the user terminal 3. The user may then check the expenditure amount for each target item by a certain deadline and amend the expenditure amount as necessary.

[0071] Here, the fourth information management data is stored in the fourth information <field> of one record in the user property related information management database 26. FIG. 7(E) is a diagram showing an example of the contents of the fourth information management data. As shown in FIG. 7(E), the fourth information management data records the expenditure amount for each target item for each month. After deriving the expenditure amount for each target item of the noted user in July, the server information processing unit 10 updates the fourth information management data corresponding to the noted user based on the derived information. More specifically, the server information processing unit 10 additionally records the expenditure amount for each target item of the noted user in July in the fourth information management data according to the format. The information recorded here corresponds to the "fourth information".

[0072] As a result of the above processing by the server information processing unit 10, at the end of each month, fourth information indicating the amount of expenditure for each target item for the noted user for one month is recorded in the user property related information management database 26. Note that the noted user has been described as an example, but the above processing is performed for all users. However, if a user has not provided and registered the fourth information, the server information processing unit 10 will naturally not manage the fourth information of that user.

[0073] In this embodiment, the server information processing unit 10 accesses each system via a WebAPI and acquires information related to the fourth information. However, the method by which the server information processing unit 10 acquires information related to the fourth information is not limited to the exemplified method. In addition, in this embodiment, the server information processing unit 10 communicates with the system to acquire information related to the fourth information. In this regard, the user may provide all or part of the fourth information as appropriate.

[0074] Now, referring to FIG. 5, the provision registration screen 20 is provided with a family structure input field 35 for inputting a family structure, and an occupation input field 36 for inputting an occupation. In addition, below the occupation input field 36, an age input field 37 for inputting an age is provided. The age input field 37 has a field for inputting a date of birth, and age is automatically input by inputting a date of birth. Each input field can display a pull-down menu, and the noted user selects information to be input into each input field from the items recorded in the pull-down menu. When all inputs into the provision registration screen 20 are completed, the noted user selects the confirm button 38. When the confirm button 38 is selected, the user terminal information processing unit 13 notifies the server information processing unit 10 that the confirm button 38 has been selected, together with the necessary information. The server information processing unit 10 appropriately records the input information in the record corresponding to the noted user in the user management database 19. The family structure, occupation, and age may be input by the user at a different time or by a different method. For example, when the user registers for the present service, the user may be made to input and set at least a part of these.

[0075] <Scene in which the information processing server 2 derives the information provision fee and executes processing related to the provision of the fee> Next, a scene in which the information processing server 2 derives a fee for providing information and executes a process for providing the fee will be described. Fig. 9 is a flowchart showing an example of the operation of the information processing server 2 in this scene. A flowchart FA shows an information processing method by the information processing server 2.

[0076] In this embodiment, the server information processing unit 10 of the information processing server 2 derives the information provision fee for each user every month and executes the corresponding process. For example, assume that the end of July in 2023 has passed. In this case, focusing on a certain user, the server information processing unit 10 derives the information provision fee for July of the user at a predetermined timing (for example, August 3 or August 15) after the end of July and executes the corresponding process. The flowchart FA in FIG. 9 shows the operation of the server information processing unit 10 when deriving the information provision fee for the "month to be the target for deriving the information provision fee" (July in the above example. Hereinafter, referred to as the "target month") for the target user. Therefore, the process of the flowchart FA is executed by the server information processing unit 10 at a predetermined timing after the end of the target month.

[0077] As shown in the flow chart FA, the server information processing unit 10 of the information processing server 2 refers to the record of the noted user in the user management database 19 and determines whether the first information has been registered for provision (step SA1). If the first information has not been registered for provision (step SA1: NO), the server information processing unit 10 moves the processing procedure to step SA4. If the first information has been registered for provision (step SA1: YES), the server information processing unit 10 refers to the first information management data of the record of the noted user in the user property related information management database 26 and acquires the first information corresponding to the target month (step SA2). The first information corresponding to the target month is information indicating the end-of-month balance of stocks by type, bonds by type, and investment trusts by type held by the noted user at the end of the target month. The first information of the target month is recorded in the first information management data of the user property related information management database 26 before the information provision fee for the target month is derived. The same applies to the second to fourth information.

[0078] In this embodiment, the configuration is as follows. That is, before the server information processing unit 10 derives the information provision fee based on the first information, the first information is registered in a database (user property related information management database 26) in advance. Then, when deriving the information provision fee, the server information processing unit 10 refers to the database and acquires the first information. The above configuration is as follows. In this regard, when deriving the information provision fee, the server information processing unit 10 may communicate with an external system (for example, a financial institution's system) other than the information processing server 2 to acquire necessary information and acquire the first information. The following configuration may also be used. That is, the server information processing unit 10 and the other information processing unit cooperate with each other, or the other information processing unit (which may include an artificial means) registers the first information in the database alone. Then, the server information processing unit 10 refers to this database and acquires the first information. The above configuration may also be used. The following configuration may also be used. That is, the server information processing unit 10 may acquire the first information from a database stored in an external device other than the information processing server 2. The above points are the same for the second to fourth information.

[0079] After the process of step SA2, the server information processing unit 10 derives the value of the information provision fee corresponding to the first information (hereinafter referred to as the "first information provision fee") based on the first information (step SA3). The process of step SA3 will be described in detail below. In step SA3, the server information processing unit 10 derives the value of the first information provision fee using the following calculation formula KS1. Calculation formula KS1: Value of the first information provision fee = first information standard value × first financial asset number coefficient × first financial asset balance coefficient × occupation coefficient × age coefficient The first information reference value is a reference value of the first information provision consideration. As shown in the calculation formula KS1, the value of the first information provision consideration is derived by multiplying the first information reference value by various coefficients. For example, the first information reference value is "100 yen", and in this example, the value of the first information provision consideration is determined based on 100 yen, and is increased or decreased by the coefficient. The first financial asset number coefficient is a coefficient based on the number of first financial assets by type held by a user (the noted user in this example) (= having a balance at the end of the month). For example, if the noted user holds stock k1 and stock k2, regardless of the balance of each stock at the end of the month, the number of first financial assets by type held by the noted user is "2". In this embodiment, a table showing the correspondence between the number of first financial assets and the value of the first financial asset number coefficient is registered in advance. The contents of the table are, for example, "When the number of first financial assets is 1, the coefficient of number of first financial assets = 0.85; when the number is 2, the coefficient of number of first financial assets = 0.86, ... when the number is 20, the coefficient of number of first financial assets = 1.11, ...." As shown in the example of the table, in this embodiment, the greater the number of first financial assets by type held, the greater the value of the coefficient of number of first financial assets. The server information processing unit 10 refers to the table and determines the value of the coefficient of number of first financial assets. In this embodiment, other conditions being the same, the greater the number of first financial assets by type held, the greater the value of the first information provision fee.

[0080] The first financial asset balance coefficient is a coefficient based on the balance of the first financial asset by type held by the user (the user of interest in this example). The server information processing unit 10 determines the value of the first financial asset balance coefficient by the following method. That is, the server information processing unit 10 sums up the balances of each of the first financial assets by type to derive the "total balance". Here, a table showing the correspondence between the range of the total balance and the value of the first financial asset balance coefficient is registered in advance. The contents of the table are, for example, "When the total balance of the first financial assets is more than 0 yen and less than 10,000 yen, then the first financial asset balance coefficient = 0.85, when the total balance is between 10,000 yen and less than 20,000 yen, then the first financial asset balance coefficient = 0.90, ... when the total balance is between 150,000 yen and less than 200,000 yen, then the first financial asset balance coefficient = 1.15, ...". As shown in this example, in this embodiment, the larger the value of the total balance, the larger the value of the first financial asset balance coefficient. The server information processing unit 10 refers to the table and determines the value of the first financial asset balance coefficient. In this manner, in this embodiment, assuming other conditions are the same, the larger the balance of the first financial assets held by type, the larger the value of the first information provision consideration will basically be.

[0081] The occupation coefficient is a coefficient based on the occupation of the user (the noted user in this example). The server information processing unit 10 determines the value of the occupation coefficient in the following manner. That is, in this embodiment, a table showing the correspondence between the type of occupation and the value of the occupation coefficient is registered in advance. The contents of the table are, for example, "office worker -> occupation coefficient = 1.01, company executive -> occupation coefficient = 1.02, self-employed -> occupation coefficient = 1.01, professional -> occupation coefficient = 1.00...". The server information processing unit 10 refers to the table and determines the value of the occupation coefficient according to the noted user's occupation. Thus, in this embodiment, the value of the first information provision fee changes depending on the type of the user's occupation.

[0082] The age coefficient is a coefficient based on the age of the user (the noted user in this example). The server information processing unit 10 determines the value of the age coefficient in the following manner. That is, in this embodiment, a table showing the correspondence between the age range and the value of the age coefficient is registered in advance. The contents of the table are, for example, "0 years old or older and younger than 20 years old → age coefficient = 0.90, 20 years old or older and younger than 30 years old → age coefficient 1.00, 30 years old or older and younger than 40 years old → age coefficient → 1.01 ...". The server information processing unit 10 refers to the table and determines the value of the age coefficient according to the age of the noted user. In this way, in this embodiment, the value of the first information provision fee changes depending on the user's age.

[0083] As described above, the server information processing unit 10 derives the value of the first information provision consideration by a method that reflects the composition of the user's assets (composition regarding the first financial assets). The server information processing unit 10 also derives the value of the first information provision consideration by reflecting the number of first financial assets (per district) by type and the balance of the first financial assets (per district) by type in the reference value. The server information processing unit 10 also derives the value of the first information provision consideration by reflecting the user's personal attributes (occupation, age).

[0084] In step SA3, the server information processing unit 10 determines each coefficient and derives the value of the first information provision consideration according to the calculation formula KS1. After deriving the value, the server information processing unit 10 shifts the processing procedure to step SA4. In step SA4, the server information processing unit 10 determines whether the second information has been registered. If the second information has not been registered (step SA4: NO), the server information processing unit 10 shifts the processing procedure to step SA7. If the second information has been registered (step SA4: YES), the server information processing unit 10 refers to the second information management data of the record of the target user in the user property related information management database 26, and acquires the second information corresponding to the target month (step SA5). The second information corresponding to the target month is information indicating the expenditure amount for each type of insurance product contracted by the target user as of the end of the target month.

[0085] After the process of step SA5, the server information processing unit 10 derives the value of the information provision fee corresponding to the second information (hereinafter referred to as the "second information provision fee") based on the second information (step SA6). The process of step SA6 will be described in detail below. The server information processing unit 10 derives the value of the second information provision fee using the following calculation formula KS2. Calculation formula KS2: Value of the second information provision fee = value derived from the second expenditure amount × coefficient of number of insurance products × coefficient of subscription period × coefficient of family structure × coefficient of age The second expenditure-derived value is a value based on the expenditure amount for the target month for insurance products of each type subscribed to by the user (the user of interest in this example). The server information processing unit 10 derives the second expenditure-derived value by the following formula KS3. In formula KS3, the n insurance products subscribed to by the user of interest are represented as the first insurance product, the second insurance product, ..., the nth insurance product. Calculation formula KS3: 2nd expenditure derived value = (1st insurance product target month expenditure amount × 1st ratio) + (2nd insurance product target month expenditure amount × 2nd ratio) + (3rd insurance product target month expenditure amount × 3rd ratio) + ... + (nth insurance product target month expenditure amount × nth ratio) As shown by the formula KS3, the second expenditure-derived value is the sum of the expenditure amount for the target month of each insurance product multiplied by a predetermined rate. In this embodiment, the predetermined rate multiplied by each insurance product is the same. In other words, the first rate = the second rate = ... = the nth rate. For example, the predetermined rate (= the first rate, the second rate ... the nth rate) is 0.01 (1%).

[0086] The insurance product number coefficient is a coefficient based on the number of insurance products by type that the user (the noted user in this example) contracts. For example, if the noted user contracts insurance h3 and insurance h4, the number of insurance products by type that the noted user contracts is "2", regardless of the monthly expenditure for each insurance product. In this embodiment, a table showing the correspondence between the number of insurance products and the value of the insurance product number coefficient is registered in advance. The contents of the table are, for example, "1 insurance product -> insurance product number coefficient = 0.85, 2 insurance products -> insurance product number coefficient = 0.86, ..., 20 insurance products -> insurance product number coefficient = 1.11, ...". As shown in the example of the table, in this embodiment, the more insurance products there are, the larger the value of the insurance product number coefficient. The server information processing unit 10 refers to the table and determines the value of the insurance product number coefficient according to the number of insurance products of the noted user. In this manner, in this embodiment, if other conditions are the same, the more insurance products by type that the user owns, the larger the value of the second information provision compensation.

[0087] The subscription period coefficient is a coefficient based on the subscription period of the insurance product. In this embodiment, the server information processing unit 10 determines the value of the subscription period coefficient in the following manner. That is, in this embodiment, the value of the subscription period coefficient in the first case where there is one or more insurance products with a subscription period of less than three months, and the value of the subscription period coefficient in the second case where there is no such insurance product are determined in advance. In particular, in this embodiment, "the value of the subscription coefficient in the first case">"the value of the subscription coefficient in the second case". As an example, "the value of the subscription period coefficient in the first case=1.50" and "the value of the subscription period coefficient in the second case=1.00". The server information processing unit 10 determines whether the case corresponds to the first case or the second case, and in the first case, the value of the subscription period coefficient is set to a value corresponding to the first case, and in the second case, the value of the subscription period coefficient is set to a value corresponding to the second case. Thus, in this embodiment, if other conditions are the same, the value of the second information provision consideration is larger in the case where there is one or more insurance products with a subscription period of less than three months than in the case where there is no such insurance product at all.

[0088] The family structure coefficient is a coefficient based on the family structure of the user (the noted user in this example). The server information processing unit 10 determines the value of the family structure coefficient in the following manner. That is, in this embodiment, a table showing the correspondence between the type of family structure and the value of the family structure coefficient is registered in advance for the second information. The contents of the table are, for example, "single person → family structure coefficient = 0.90, married couple → family structure coefficient = 1.00, married couple + children (preschoolers) → family structure coefficient = 1.01, married couple + children (schoolers) + children (preschoolers) → family structure coefficient = 1.02 ...". The server information processing unit 10 refers to the table and determines the value of the family structure coefficient according to the noted user's family structure. In this way, in this embodiment, the value of the second information provision fee changes depending on the user's family structure.

[0089] The age coefficient is a coefficient equivalent to the age coefficient related to the first information. The server information processing unit 10 determines the age coefficient in a manner similar to the manner in which the age coefficient related to the first information is determined. In this manner, in this embodiment, the value of the second information provision fee changes depending on the age of the user. However, the value of the age coefficient related to the first information when the user is of a certain age may be different from the value of the age coefficient related to the second information.

[0090] As described above, the server information processing unit 10 derives the value of the second information provision consideration in a manner that reflects the user's financial composition (composition regarding insurance products). The server information processing unit 10 also derives the value of the second information provision consideration based on the amount of expenditure for each type of insurance product (by prefecture). The server information processing unit 10 also derives the value of the second information provision consideration by reflecting the number of insurance products by type (by division) in a value based on the amount of expenditure for each type of insurance product (by prefecture). The server information processing unit 10 also derives the value of the second information provision consideration by reflecting the user's personal attributes (family composition, age).

[0091] In step SA6, the server information processing unit 10 derives the second expenditure-derived value, determines each coefficient, and derives the value of the second information provision consideration according to the calculation formula KS2. After deriving the value, the server information processing unit 10 moves the processing procedure to step SA7. In step SA7, the server information processing unit 10 determines whether the third information has been registered. If the third information has not been registered (step SA7: NO), the server information processing unit 10 moves the processing procedure to step SA10. If the third information has been registered (step SA7: YES), the server information processing unit 10 refers to the third information management data of the record of the target user in the user property related information management database 26, and acquires the third information corresponding to the target month (step SA8). The third information corresponding to the target month is information indicating the total amount of deposits and total amount of withdrawals for the target month for the bank account.

[0092] After the process of step SA8, the server information processing unit 10 derives the value of the information provision fee corresponding to the third information (hereinafter referred to as the "third information provision fee") based on the third information (step SA9). The process of step SA9 will be described in detail below. The server information processing unit 10 derives the value of the third information provision fee using the following calculation formula KS4. Calculation formula KS4: Value of third information provision fee = value derived from third deposit / withdrawal × occupation coefficient The third deposit / withdrawal derived value is a value based on the total deposit amount and the total withdrawal amount related to a user (the user of interest in this example). The server information processing unit 10 derives the third deposit / withdrawal derived value by the following calculation formula KS5. Calculation formula KS5: 3rd deposit / withdrawal value = (total deposit amount x deposit ratio) + (total withdrawal amount x withdrawal ratio) As shown by the formula KS5, the third deposit / withdrawal derived value is the sum of the total deposit amount multiplied by a predetermined rate (deposit rate) and the total withdrawal amount multiplied by a predetermined rate (withdrawal rate). In this embodiment, the deposit rate and the withdrawal rate are the same. In other words, the deposit rate = withdrawal rate. For example, the predetermined rate (= deposit rate, withdrawal rate) is 0.01 (1%).

[0093] The occupation coefficient is a coefficient equivalent to the occupation coefficient related to the first information. The server information processing unit 10 determines the occupation coefficient in a manner similar to the manner in which the occupation coefficient related to the first information is determined. Thus, in this embodiment, the value of the third information provision fee varies depending on the user's occupation. However, when the user has a certain occupation, the value of the occupation coefficient related to the first information and the value of the occupation coefficient related to the third information may be different.

[0094] As described above, the server information processing unit 10 derives the value of the third information provision compensation by a method that reflects the fluctuation of the user's assets (fluctuations in the user's assets in the form of deposits). The server information processing unit 10 also derives the value of the third information provision compensation based on a value derived by multiplying the total amount of deposits and the total amount of withdrawals in the bank account by a predetermined rate. The server information processing unit 10 also derives the value of the third information provision compensation by reflecting the user's personal attributes (occupation).

[0095] In step SA9, the server information processing unit 10 derives the third deposit / withdrawal derived value, determines the occupation coefficient, and derives the value of the third information provision consideration according to the calculation formula KS4. After deriving the value, the server information processing unit 10 shifts the processing procedure to step SA10. In step SA10, the server information processing unit 10 determines whether the provision and registration of the fourth information has been made. If the provision and registration has not been made (step SA10: NO), the server information processing unit 10 shifts the processing procedure to step SA13. If the provision and registration of the fourth information has been made (step SA10: YES), the server information processing unit 10 refers to the fourth information management data of the record of the target user in the user property related information management database 26, and acquires the fourth information corresponding to the target month (step SA11). The fourth information corresponding to the target month is information indicating the expenditure amount for each target item of the household budget of the target user in the target month.

[0096] After the process of step SA11, the server information processing unit 10 derives the value of the information provision fee corresponding to the fourth information (hereinafter referred to as the "fourth information provision fee") based on the fourth information (step SA12). The process of step SA12 will be described in detail below. The server information processing unit 10 derives the value of the fourth information provision fee using the following calculation formula KS6. Calculation formula KS6: Value of 4th information provision compensation = 4th expenditure derived value × family structure coefficient The fourth expenditure-derived value is a reference value based on the expenditure amount for each target item. The server information processing unit 10 derives the fourth expenditure-derived value by the following formula KS7. In formula KS6, each target item is represented as the first item, the second item, ..., the nth item. Calculation formula KS7: 4th expenditure derived value = (expenditure amount for the target month of the 1st item × ratio of the 1st item) + (expenditure amount for the target month of the 2nd item × ratio of the 2nd item) + (expenditure amount for the target month of the 3rd item × ratio of the 3rd item) + ... + (expenditure amount for the target month of the nth item × ratio of the nth item) As shown by the formula KS7, the fourth expenditure-derived value is the sum of the expenditure amount for each target item in the target month multiplied by a predetermined rate. In this embodiment, the predetermined rate multiplied by each item is the same. In other words, the first item rate = the second item rate = ... = the nth item rate. For example, the predetermined rate (= the first item rate, the second item rate ... the nth item) is 0.01 (1%).

[0097] The family structure coefficient is a coefficient equivalent to the family structure coefficient related to the second information. The server information processing unit 10 determines the family structure coefficient in a manner similar to the manner of determining the family structure coefficient related to the second information. In this manner, in this embodiment, the value of the fourth information provision fee changes depending on the user's family structure. However, when the user has a certain family structure, the value of the family structure coefficient related to the second information and the value of the family structure coefficient related to the fourth information may be different.

[0098] As described above, the server information processing unit 10 derives the value of the fourth information provision consideration by a method that reflects the fluctuation of the user's assets (fluctuations in the user's assets, i.e., savings). The server information processing unit 10 also derives the value of the fourth information provision consideration based on a value obtained by multiplying the amount of expenditure for each household item by a predetermined rate. The server information processing unit 10 also derives the value of the fourth information provision consideration by reflecting the user's personal attributes (family structure).

[0099] In step SA12, the server information processing unit 10 derives a fourth expenditure-derived value, determines a family structure coefficient, and derives a value of a fourth information provision fee according to the calculation formula KS6. After deriving the value, the server information processing unit 10 moves the processing procedure to step SA13. In step SA13, the server information processing unit 10 derives a final value of the information provision fee (hereinafter simply referred to as the "information provision fee") according to the following calculation formula KS8. Calculation formula KS8: Value of information provision consideration = value of first information provision consideration + value of second information provision consideration + value of third information provision consideration + value of fourth information provision consideration

[0100] After the process of step SA13, the server information processing unit 10 executes a compensation-assignment-related process that is a process related to the granting of the information provision compensation to the noted user (step SA14). The information provision compensation of an amount equivalent to the value derived in step SA13 is granted to the noted user. The compensation-assignment-related process is a process for granting the information provision compensation from the operator to the noted user. The compensation-assignment-related process may be a process for granting the information provision compensation from the operator to the noted user, and the granting does not have to be completed by this process. Regarding the compensation-assignment-related process, for example, when the information provision compensation is granted by transferring money to the account of the noted user, the server information processing unit 10 executes a process related to the transfer. In this case, the process related to the transfer does not need to be the entire series of processes for the transfer, but may be a part of the process. Also, for example, when the information provision compensation is granted to the noted user based on information recorded in a predetermined database, the server information processing unit 10 records appropriate information in the database. Also, for example, when the information provision compensation is given to the noted user by an operator of the management, the server information processing unit 10 notifies the operator of necessary information. In response to the compensation-assignment related process, the noted user is given the information provision compensation. Note that the information provision compensation may be given to the noted user in installments rather than in full at once.

[0101] As described above, when a user registers the provision of the first information, the user can receive compensation for providing the first information. The significance of this will be explained below. Due to the above configuration, the user can receive compensation by providing his / her first information. This can improve user satisfaction. In particular, this can provide the user with an incentive to continue registering for the service.

[0102] The first information is also useful for improving the quality of consultation-related services. Therefore, according to this embodiment, it is possible to collect information useful for improving the quality of consultation-related services from users, and to improve the quality of services by using this information. This point will be described in detail below. In the consultation-related service, the client (user) can post a consultation regarding his / her own assets. For this reason, for example, the client can post a consultation regarding the first financial asset, such as "I want to open a new account at a securities company," "I want to attend a seminar that teaches about bonds," or "Are there any good investment trusts?" In this embodiment, the first information obtained from the user is stored in association with matters such as the contents of the consultation performed by each user, the contents of the proposals provided in response to the consultation, "with which proposer did you finally conclude a contract," and "with which proposer did you not finally conclude a contract." Then, by analyzing the stored information, it is possible to estimate "tendencies regarding the user's first financial asset," such as "people who hold stocks, bonds, and investment trusts in this manner tend to post consultations with this content," or "people who hold the first financial asset in this manner tend to finally conclude a contract with this type of proposer." Then, by estimating the "tendency regarding the first financial assets of the user", for example, it becomes possible to propose recommendations to the user that match the user's potential demands, or to match the consultee with an appropriate proposer when the consultee posts a consultation. Then, by proposing the recommendations and performing the matching, the quality of the proposal provision service is improved. Since the quality of the proposal provision service is improved by using the first information in this way, the first information is useful information for improving the quality of the consultation-related service. In addition, in this embodiment, the first information is used as learning data for machine learning a model that makes some kind of estimation regarding the first financial assets of the user. The model is, for example, a model used for making recommendations to the user, and is also, for example, a model used for matching the consultee with the proposer. The model contributes to improving the quality of the consultation-related service, and the first information is useful information for improving the quality of the consultation-related service in that it is used for learning such a model.

[0103] In this embodiment, the server information processing unit 10 derives the value of the first information provision consideration by reflecting the number of first financial assets held by the user (= having a balance at the end of the target month). In particular, in this embodiment, the more the number of first financial assets, the larger the value of the first information provision consideration. Here, a person who holds a large number of types of first financial assets is more interested in the first financial assets than a person who holds a small number of first financial assets, and tends to use the consultation-related service more and post consultations. And there is a need from the administrator to have users who use the consultation-related service more frequently maintain their registration with the service and utilize the consultation-related service as much as possible. This is because it leads to the activation of the consultation-related service. And in this embodiment, due to the above configuration, a person who holds a large number of types of first financial assets can obtain a large consideration by providing the first information, which motivates them to continue to register with the service and use the consultation-related service. As described above, the administrator's needs can be met. As described above, the first information is used for various analyses / inferences and as learning data for machine learning of a predetermined model, and the more the number of first financial assets in the first information, the more useful the analysis / inference will be, and the more useful the learning data will be, and the more valuable the information will be. And, according to the present embodiment, due to the above configuration, it is possible to give a larger compensation to a user who provides more valuable information.

[0104] In this embodiment, the server information processing unit 10 derives the value of the first information provision fee by reflecting the balance of the first financial asset held by the user (= the balance arising as of the end of the target month). In this embodiment, the value of the first information provision fee is generally higher for people with a larger balance of the first financial asset. Here, people with a larger balance of the first financial asset tend to be more interested in the first financial asset and use more consultation-related services than people with a smaller balance of the first financial asset. In light of this, the above configuration can achieve the same effect as "a configuration in which the value of the first information provision fee is derived by reflecting the number of first financial assets held by the user."

[0105] In this embodiment, the server information processing unit 10 derives the value of the first information provision fee reflecting the user's occupation. This provides the following effects. It is assumed that the level of interest in the first financial asset varies depending on the occupation. According to the above configuration, it is possible to increase the value of the first information provision fee for users with occupations who tend to have a high interest in the first financial asset. The relationship between the occupation and the occupation coefficient related to the first information is appropriately set from this perspective. This also applies to the other coefficients. This provides an effect similar to the "effect provided by a configuration in which the value of the first information provision fee is derived reflecting the number of first financial assets held by the user."

[0106] Furthermore, in this embodiment, the server information processing unit 10 derives the value of the first information provision compensation reflecting the user's age. This provides the following effect. It is assumed that interest in the first financial asset tends to vary with age. According to the above configuration, it is possible to increase the value of the first information provision compensation for users of an age who tend to be more interested in the first financial asset. This provides an effect similar to "the effect provided by a configuration in which the value of the first information provision compensation is derived reflecting the number of first financial assets held by the user."

[0107] Furthermore, when the user registers the provision of the second information, the user can receive a second information provision fee. The significance of this will be explained below. According to this configuration, the user can receive an information provision fee in response to the provision of his / her second information. This can improve the user's satisfaction. In particular, this can provide the user with an incentive to continue registering with the service. The second information is used for various analyses / estimations in the same manner as the first information, and is also used as learning data for machine learning of a predetermined model. The second information is useful for improving the quality of consultation-related services for the same reasons as the first information. Therefore, by receiving the provision of the second information, the quality of consultation-related services can be improved.

[0108] In this embodiment, the server information processing unit 10 derives the value of the second information provision consideration based on a value obtained by multiplying the expenditure amount of each insurance product by a predetermined rate. Therefore, the larger the expenditure amount, the larger the value of the second information provision consideration. According to this, the value of the second information provision consideration is basically larger for a person who pays more overall for insurance products than for a person who pays less. Here, a person who pays more regularly for insurance products is more interested in insurance products and tends to use consultation-related services more than a person who pays less regularly. In light of this, the above configuration can achieve the same effect as "a configuration in which the value of the first information provision consideration is derived by reflecting the number of first financial assets held by the user".

[0109] In this embodiment, the server information processing unit 10 derives the value of the second information provision fee by reflecting the number of insurance products that the user has contracted for. In particular, the server information processing unit 10 derives the value in such a way that the greater the number of insurance products, the greater the value of the second information provision fee. Here, people who contract for a greater number of insurance products tend to be more interested in insurance products and use more consultation-related services than people who contract for a smaller number of insurance products. In light of this, the above configuration can provide the same effect as "a configuration in which the value of the first information provision fee is derived by reflecting the number of first financial assets held by the user."

[0110] In this embodiment, the server information processing unit 10 derives the value of the second information provision consideration, reflecting the subscription period of the insurance product. More specifically, the server information processing unit 10 derives the value in such a way that the value of the second information provision consideration is larger in a case where there is one or more insurance products with a subscription period of less than three months than in a case where there is no insurance product. This provides the following effects. That is, in the consultation-related service, the client can post a consultation regarding his / her own assets. Therefore, the client can finally contract for an insurance product after posting a question such as "I'm looking for a new life insurance policy" or "Is there a good education insurance policy?". If the user contracts for an insurance product while registered with this service, the user will receive more compensation for three months (however, the settings for the newly contracted insurance product shall be promptly performed by the user). This motivates the user to continue registering with this service, and further motivates the user to post a consultation regarding an insurance product using the consultation-related service. The above effects are provided.

[0111] In this embodiment, the server information processing unit 10 derives the value of the second information provision consideration reflecting the user's family structure. This provides the following effects. That is, it is assumed that the level of interest in insurance products tends to vary depending on the family structure. For example, in the case of a family structure with preschool children, it is assumed that there are many opportunities to consider educational insurance, medical insurance, etc., and that interest in insurance products is high. And, according to the above configuration, it is possible to increase the value of the second information provision consideration for users with a family structure that tends to have a high interest in insurance products. This provides the same effects as "the effect provided by the configuration that derives the value of the first information provision consideration reflecting the number of first financial assets held by the user".

[0112] In this embodiment, the server information processing unit 10 derives the value of the second information provision fee reflecting the user's age. This is for the same reason and has the same effect as deriving the value of the first information provision fee reflecting the user's age.

[0113] Furthermore, when a user registers the provision of the third information, the user can receive a third information provision fee. The significance of this will be explained below. The user can receive a fee for providing the third information in response to the provision of the third information. This can improve the user's satisfaction. In particular, this can provide the user with an incentive to continue registering for the service. The third information is also used for various analyses / estimations in the same manner as the first information, and is also used as learning data for machine learning of a predetermined model. The third information is also useful for improving the quality of consultation-related services for the same reasons as the first information. Therefore, by receiving the provision of the third information, the quality of consultation-related services can be improved.

[0114] Furthermore, in this embodiment, the server information processing unit 10 derives the value of the third information provision compensation based on a value derived by multiplying the total deposit amount and the total withdrawal amount by a predetermined rate. Basically, the larger the total deposit amount and the total withdrawal amount, the larger the value of the third information provision compensation. Here, people with larger total deposit amounts or total withdrawal amounts tend to use more consultation-related services than people with smaller total deposit amounts or total withdrawal amounts. In light of this, the above configuration can achieve the same effect as "a configuration in which the value of the first information provision compensation is derived by reflecting the number of first financial assets held by the user."

[0115] In this embodiment, the server information processing unit 10 derives the value of the third information-provision fee reflecting the user's occupation. This is for the same reason and has the same effect as deriving the value of the first information-provision fee reflecting the user's occupation.

[0116] Furthermore, when the user registers the provision of the fourth information, the user can receive a fourth information provision fee. The significance of this will be explained below. The user can receive a fee for providing the information in response to the provision of the fourth information. This can improve the user's satisfaction. In particular, this can provide the user with an incentive to continue registering with the service. The fourth information is also used for various analyses / estimations in the same manner as the first information, and is also used as learning data for machine learning of a predetermined model. The fourth information is also useful for improving the quality of consultation-related services for the same reasons as the first information. Therefore, by receiving the provision of the fourth information, the quality of consultation-related services can be improved.

[0117] In addition, in this embodiment, the server information processing unit 10 derives the value of the fourth information provision consideration based on a value obtained by multiplying the expenditure amount for each household item by a predetermined rate. According to this, basically, a person who spends more on each household item will have a larger value of the fourth information provision consideration than a person who spends less. Here, a person who spends more on each household item tends to use more consultation-related services than a person who spends less. In light of this, the above configuration can achieve the same effect as "a configuration in which a value of the first information provision consideration is derived by reflecting the number of first financial assets held by the user."

[0118] In this embodiment, the server information processing unit 10 derives the value of the fourth information provision fee by reflecting the user's family structure. This is for the same reason as deriving the value of the second information provision fee by reflecting the user's family structure, and has the same effect.

[0119] As described above, in this embodiment, the information processing server 2 (information processing device) includes a server information processing unit 10 capable of executing a process of acquiring user property-related information related to the composition or change of the user's property, a process of deriving a value of a compensation to be given to the user based on the user property-related information in a manner that reflects the composition or change of the user's property, and a process of executing a process related to the granting of the compensation to the user. According to this configuration, it is possible to provide a service in which a compensation is given in response to the user's provision of information on the composition or change of the property. A user who uses this service can receive compensation by providing information on the composition or change of his or her property, and is highly satisfied. In other words, according to the above configuration, it is possible to realize the provision of a new service that is highly satisfying to users.

[0120] <Modifications regarding the first information> Next, a modified example of the first information will be described. Here, "information indicating the balance of each unit of division at a certain point in time for units of division that belong to a predetermined category and are held by a user and have a balance" is referred to as "first system information." The first information in the above embodiment is information included in the first system information. However, the information included in the first system information is not limited to the first information.

[0121] For example, the predetermined category of the first information was a "category related to financial assets", particularly a "category related to stocks, bonds, and investment trusts". The classification unit of the first information was "financial assets by type", particularly "stocks by type, bonds by type, and investment trusts by type". In this regard, the predetermined category and classification unit are not limited to those exemplified. The classification unit may be an object that a user holds and may have a balance, and may be a unit that can be distinguished from others, and the predetermined category may be a content that specifies the range of the classification unit to be targeted. For example, the predetermined category may be a category corresponding to one financial asset or any two financial assets among stocks, bonds, and investment trusts. The predetermined category may also be a category related to financial assets other than stocks, bonds, and investment trusts. In this case, the financial assets are, for example, various deposits, crypto assets, various points, and various loans. As an example, when the predetermined category is a "category related to crypto assets", the classification unit is the balance of crypto assets by type at the end of the month. The "predetermined category" may also be a category related to objects other than financial assets. Furthermore, the "certain point in time" in the "balance by division unit at a certain point in time" does not have to be the "end of the month" and may be, for example, the "beginning of the month," "end of the month," or "weekend."

[0122] In the above embodiment, the server information processing unit 10 reflects both the number of the first financial assets and the balance of the first financial assets when deriving the value of the first information provision compensation. However, the server information processing unit 10 may be configured to reflect only either the number of divisional units or the balance of each divisional unit when deriving the compensation related to the first system information.

[0123] In the above embodiment, the server information processing unit 10 derived the value of the first information provision consideration by reflecting various coefficients in the reference value. However, the server information processing unit 10 may be configured to derive the consideration related to the first system information based on the balance of each division unit when deriving the consideration. In the example of the above embodiment, for example, the following configuration may be used. That is, the server information processing unit 10 multiplies the balance of each of the first financial assets by a predetermined ratio, sums them, and derives the first balance-derived value. Then, the server information processing unit 10 reflects various coefficients in the first balance-derived value to derive the value of the first information provision consideration. The above configuration may be used. In this example, the predetermined ratio may be changed depending on the first financial asset by type. For example, the ratio multiplied by stocks and bonds may be 0.01, and the ratio multiplied by investment trusts may be 0.02, etc. In this example, a configuration may be used in which a lower limit or an upper limit is set for the first balance-derived value. In this example, the coefficient reflected in the first balance-derived value may include the first financial asset number coefficient. As a result, the number of units of distinction is reflected in the value based on the balance. In the above embodiment, the following configuration may be used. That is, the server information processing unit 10 derives a value obtained by summing up the balances of the first financial assets by type (hereinafter referred to as the "first provisional value"), and then derives a first balance-derived value depending on which of the predefined ranges the first provisional value belongs to. For example, the server information processing unit 10 derives the first balance-derived value by a method such as "value A when the first provisional value is greater than 0 and less than 10,000, value B when the first provisional value is greater than 10,000 and less than 30,000, ..., value Z when the first provisional value is xx million or more." Then, the server information processing unit 10 reflects various coefficients in the first balance-derived value to derive the value of the first information provision consideration. The above configuration may be used. In this example, the coefficient reflected in the first balance-derived value may include a first financial asset number coefficient. As a result, the number of units of distinction is reflected in the value based on the balance.

[0124] In the above embodiment, the server information processing unit 10 derives the value of the first information provision compensation reflecting the user's personal attributes, such as occupation and age. However, the server information processing unit 10 may be configured to derive the value of the compensation related to the first system information by reflecting the user's personal attributes other than occupation and age. The server information processing unit 10 may also be configured to derive the value of the compensation without reflecting the user's personal attributes.

[0125] <Modifications regarding the second information> Next, a modified example of the second information will be described. Here, "information indicating the amount of expenditure for each unit of division for a predetermined period, which belongs to a predetermined category, is owned or contracted by a user, and for which the user may incur expenditure for the ownership or contract" is referred to as "second system information." The second information in the above embodiment is information included in the second system information. However, the information included in the second system information is not limited to the second information.

[0126] For example, the predetermined category of the second information is a "category related to insurance products" and the divisional unit is an "insurance product by type". In this regard, the predetermined category and divisional unit are not limited to those exemplified. The divisional unit may be a unit that is an object that the user holds or contracts and that generates expenditures and can be distinguished from others, and the predetermined category may be a content that specifies the range of the divisional unit to be targeted. In particular, the predetermined category may be a category other than the "category related to insurance products". In this case, the predetermined category may be a "category related to financial assets". An example of a category related to financial assets is a category related to stocks, and an example of a divisional unit in this case is the monthly purchase amount of stocks by type. The predetermined category may also be a category other than the "category related to insurance products and the category related to financial assets". An example of the category is a "category related to lessons", and an example of a divisional unit in this case is the monthly tuition fee for lessons by type (for example, XX yen for a child's cram school, XX yen for a child's swimming class, etc.). Furthermore, the "predetermined period" of the "expenditure amount for a predetermined period" in the second system information does not have to be "one month" and may be, for example, "one week," "six months," or "one year."

[0127] In the above embodiment, the server information processing unit 10 multiplied the expenditure amount of each insurance product by a predetermined ratio, summed them to derive the second expenditure-derived value, and reflected various coefficients on the second expenditure-derived value to derive the value of the second information provision consideration. That is, the server information processing unit 10 derived the value of the second information provision consideration based on the expenditure amount of each insurance product by type. However, the method in which the server information processing unit 10 derives the consideration related to the second system information is not limited to the exemplified method. In the example of the above embodiment, for example, the following configuration may be used. For example, the server information processing unit 10 may change the predetermined ratio depending on the insurance product. For example, the ratio multiplied by the insurance product belonging to life insurance may be 0.01, and the ratio multiplied by the insurance product belonging to education insurance may be 0.02, etc. Also, for example, a configuration may be used in which a lower limit or an upper limit is set for the second expenditure-derived value. For example, the server information processing unit 10 may be configured to derive a value (hereinafter referred to as the "second provisional value") that is the total of the expenditure amounts for each type of insurance product, and then derive a second expenditure-derived value depending on which of the pre-defined ranges the second provisional value belongs to.

[0128] In the above embodiment, the server information processing unit 10 derives the value of the second information provision fee based on the expenditure amount for each type of insurance product. However, the server information processing unit 10 may be configured to derive the fee for the second system information by reflecting at least one of the number of wards and the expenditure amount for each ward in the reference value. In the example of the above embodiment, for example, the server information processing unit 10 may be configured to derive the value of the second information provision fee by multiplying the reference value by the insurance product number coefficient, the subscription coefficient, the family structure coefficient, and the age coefficient.

[0129] In the above embodiment, the server information processing unit 10 derives the value of the second information provision compensation reflecting the user's personal attributes, such as family structure and age. However, when deriving the value of the compensation related to the second system information, the server information processing unit 10 may be configured to derive the value of the compensation reflecting the user's personal attributes other than the family structure and age. Also, the server information processing unit 10 may be configured to derive the value of the compensation without reflecting the user's personal attributes.

[0130] In the above embodiment, the server information processing unit 10 derived the value of the second information provision fee by reflecting the subscription period. In this regard, the server information processing unit 10 may be configured not to reflect the subscription period. Also, the server information processing unit 10 may be configured to reflect the subscription period in a manner different from the manner exemplified in the above embodiment. For example, the first case was "a case in which there is one or more insurance products with a subscription period of less than three months," but the "less than three months" part may be "one month" or "six months."

[0131] <Modifications regarding the third information> Next, a modified example of the third information will be described. Here, "information indicating the total amount of deposits or withdrawals in a given period of a user's account" is referred to as "third system information." The third information in the above embodiment is information included in the third system information. However, the information included in the third system information is not limited to the third information.

[0132] For example, the third information is information related to the total amount of deposits and the total amount of withdrawals. On the other hand, the third system information may be information related to either the total amount of deposits or the total amount of withdrawals. Also, the account in the third system information may be a type of account other than a bank account.

[0133] The server information processing unit 10 also derived the value of the third information provision compensation by reflecting various coefficients in the sum of the total amount of deposit multiplied by a predetermined rate (deposit rate) and the total amount of withdrawal multiplied by a predetermined rate (withdrawal rate). That is, the server information processing unit 10 derived the value of the third information provision compensation based on the expenditure amount of each type of insurance product. However, the method by which the server information processing unit 10 derives the compensation related to the third system information is not limited to the exemplified method. For example, in the above embodiment, the deposit rate and the withdrawal rate are the same value, but these values ​​may be different.

[0134] In the above embodiment, the server information processing unit 10 derives the value of the third information provision fee by reflecting the user's personal attribute, which is the user's occupation. However, the server information processing unit 10 may be configured to derive the value of the fee by reflecting the user's personal attributes other than the user's occupation when deriving the value of the fee related to the third system information. The server information processing unit 10 may also be configured to derive the value of the fee without reflecting the user's personal attributes.

[0135] <Modification of the fourth information> Next, a modified example of the fourth information will be described. Here, "information indicating the amount of expenditure for each item in a predetermined period of time, which belongs to a predetermined category and may cause expenditure by the user" is referred to as "fourth system information." The fourth information in the above embodiment is information included in the fourth system information. However, the information included in the fourth system information is not limited to the fourth information.

[0136] For example, the predetermined category of the fourth information was a "category related to household finances" and the item was a "household item". In this regard, the predetermined category and item related to the fourth system information are not limited to those exemplified. The item may be an object for which the user may incur expenditure and may be a unit that can be distinguished from others, and the predetermined category may be a content that specifies the range of the target item. In particular, the predetermined category may be a category other than the "category related to household finances". An example of a category other than the "category related to household finances" is a "category related to food expenses", and an example of a division unit in this case is food expenses by eating out / eating at home (for example, ○ yen for eating out and ○ yen for eating at home). In addition, the "predetermined period" of the "amount of expenditure for a predetermined period" of the fourth system information does not have to be "one month", and may be, for example, "one week", "half a year", or "one year". In addition, the server information processing unit 10 may be configured to acquire information indicating the amount of income for each item related to household finances as user property related information instead of or together with the amount of expenditure for each item.

[0137] The server information processing unit 10 also multiplied the expenditure amount of each target item by a predetermined ratio, summed them to derive a fourth expenditure-derived value, and reflected various coefficients in the fourth expenditure-derived value to derive the value of the fourth information provision consideration. That is, the server information processing unit 10 derived the value of the fourth information provision consideration based on the expenditure amount of each target item. However, the method by which the server information processing unit 10 derives the consideration related to the fourth system information is not limited to the exemplified method. For example, in the above embodiment, the value of the predetermined ratio multiplied by each target item was the same. That is, the first item ratio = the second item ratio = ... = the nth item ratio. In this regard, the predetermined ratio multiplied by each target item may be different.

[0138] In the above embodiment, the server information processing unit 10 derives the value of the fourth information provision compensation by reflecting the user's personal attribute, that is, the family structure. However, when the server information processing unit 10 derives the value of the compensation related to the fourth system information, the server information processing unit 10 may be configured to derive the value of the compensation by reflecting the user's personal attributes other than the family structure. Also, the server information processing unit 10 may be configured to derive the value of the compensation without reflecting the user's personal attributes.

[0139] <Other Modifications> In the above embodiment, four pieces of information, namely, the first information, the second information, the third information, and the fourth information, can be provided and registered. However, the information that can be provided and registered is not limited to the information exemplified in the above embodiment. For example, one, any two, or any three pieces of information among the first to fourth information may be provided. Also, a plurality of different pieces of information belonging to the first system information (which may naturally be the second to fourth system information) may be provided and registered.

[0140] In the above embodiment, the server information processing unit 10 derives the final information provision fee by adding up the first information provision fee, the second information provision fee, the third information provision fee, and the fourth information provision fee. In this regard, when the server information processing unit 10 derives the value of the information provision fee by adding up the fees based on a plurality of different pieces of information, the server information processing unit 10 may be configured to derive the value of the information provision fee by weighting in a predetermined manner rather than simply adding them up.

[0141] Although one embodiment of the present invention (including modifications, the same applies below) has been described above, the above embodiment is merely one example of a specific embodiment of the present invention, and the technical scope of the present invention should not be interpreted as being limited thereby. In other words, the present invention can be embodied in various forms without departing from the gist or main characteristics thereof.

[0142] In the above embodiment, the consideration provision service is provided to users who have registered for the service in question. In this regard, a different configuration may be used. That is, the consideration provision service may be provided to users who register for a service other than the service in question (e.g., a service other than the consultation-related service). Also, the consideration provision service may be provided to users without the condition of registration for any service other than the consideration provision service.

[0143] In the above embodiment, the information provision fee and other fees are legal tender. On the other hand, the fee is not limited to legal tender. For example, the fee may be points of a specified point service, points circulated within the service, or cryptocurrency. In the above embodiment and modified example, a part or all of the processing that is executed by the function of the dedicated application AP may be executed by a browser. In the above embodiment, a specific example of a screen is shown, but the contents of the screen are not limited to the exemplified contents. In the above embodiment, the information processing server 2 is configured to include a storage unit (server storage unit 12). In this regard, a storage unit may be provided in another device that can communicate with the information processing server 2, and the information processing server 2 may access the other device as appropriate.

[0144] The functional blocks shown in the above embodiment can be realized by any hardware or by cooperation between any hardware and any software. In other words, these functional blocks are not limited to specific hardware. The processing units in the flowcharts of the above embodiment are divided according to the main processing contents in order to make the processing easier to understand. The method of dividing the processing units and their names do not limit the present invention. The processing of each device can be divided into more processing units according to the processing contents. Also, one processing unit can be divided to include more processing. Also, as long as the same processing can be performed, the processing order of the above flowchart is not limited to the example shown in the figure.

[0145] Further, for example, the embodiment may include the provision of a program executed by the computer of the information processing server 2 or the user terminal 3, or the provision of a recording medium on which the program is recorded so as to be readable by the computer. The recording medium may be a magnetic or optical recording medium or a semiconductor memory device. Specific examples of the recording medium include portable or fixed recording media such as flexible disks, HDDs (Hard DiSH Drives), CD-ROMs (Compact DiSH Read Only Memory), DVDs (Digital Versatile DiSH), Blu-ray (registered trademark) Discs, magneto-optical disks, flash memories, and card-type recording media.

[0146] Also, for example, as described above, the information processing server 2 does not have to be a single device. When the information processing server 2 is composed of multiple server devices, the server information processing units of the multiple server devices cooperate to function as an "information processing unit." [Explanation of symbols]

[0147] 1. Information Processing Systems 2. Information processing server (information processing device) 10 Server information processing unit (information processing unit)

Claims

1. Obtaining user property-related information relating to the composition or changes of the user's property; A process of deriving a value of a compensation to be given to the user based on the user property-related information in a manner that reflects a composition or change in the property of the user; and an information processing unit capable of executing a process related to the granting of the compensation to the user.

23. An information processing apparatus comprising:

2. The information processing unit includes: For units of division that belong to a predetermined category and are owned by the user and have a balance, information indicating the balance of each unit of division at a certain point in time is obtained as the user property related information.

2. The information processing apparatus according to claim 1,

3. The information processing unit includes: The value of the compensation is derived by reflecting at least one of the number of units and the balance of the units in a reference value.

3. The information processing apparatus according to claim 2.

4. The information processing unit includes: Deriving a value of the consideration based on the balance of each of the distinctions.

3. The information processing apparatus according to claim 2.

5. The information processing unit includes: The value of the consideration is derived by reflecting the number of the units in a value based on the balance of each of the units.

5. The information processing apparatus according to claim 4.

6. The information processing unit includes: Deriving a value of the compensation by reflecting personal attributes of the user 3. The information processing apparatus according to claim 2.

7. the predetermined category is a category related to financial assets, The unit of distinction is a type of financial asset.

7. The information processing apparatus according to claim 2, wherein the information processing apparatus further comprises: a first input section;

8. The predetermined category includes at least one of a stock, a bond, and an investment trust; The units include at least one of stocks by type, bonds by type, and investment trusts by type.

8. The information processing apparatus according to claim 7,

9. The information processing unit includes: For units of division that belong to a predetermined category, that are owned or contracted by the user, and for which the user may incur expenditures in relation to the ownership or contract, information indicating the amount of expenditure for each of the units of division during a predetermined period is acquired as the user property-related information.

2. The information processing apparatus according to claim 1,

10. The information processing unit includes: Deriving a value for the consideration based on the amount of spending for each of the distinctions.

10. The information processing apparatus according to claim 9,

11. The information processing unit includes: The value of the compensation is derived by reflecting the number of the divisions in a value based on the expenditure amount of each division.

11. The information processing apparatus according to claim 10,

12. The information processing unit includes: The value of the compensation is derived by reflecting at least one of the number of the divisions and the expenditure amount of the division in the reference value.

10. The information processing apparatus according to claim 9,

13. The information processing unit includes: Deriving a value of the compensation by reflecting personal attributes of the user 10. The information processing apparatus according to claim 9,

14. the predetermined category is a category related to financial assets, The unit of distinction is a type of financial asset.

14. The information processing device according to claim 9, wherein the information processing device is a device for processing information.

15. The predetermined category is a category related to insurance products, The unit of distinction is insurance product by type.

14. The information processing device according to claim 9, wherein the information processing device is a device for processing information.

16. The information processing unit includes: Derive the value of the compensation by reflecting the subscription period of each type of insurance product.

16. The information processing apparatus according to claim 15,

17. The information processing unit includes: Information indicating the total amount of deposits or withdrawals to the user's account during a given period is obtained as the user property related information.

2. The information processing apparatus according to claim 1,

18. The information processing unit includes: Derive a value of the consideration based on a value derived by multiplying the total amount of deposits or the total amount of withdrawals by a predetermined rate.

18. The information processing apparatus according to claim 17,

19. The information processing unit includes: Deriving a value of the compensation by reflecting personal attributes of the user 19. The information processing apparatus according to claim 17 or 18.

20. The information processing unit includes: Acquire information indicating an amount of expenditure for each of the items that belong to a predetermined category and for which the user may incur expenditure during a predetermined period as the user property-related information.

2. The information processing apparatus according to claim 1,

21. The information processing unit includes: Derive the value of the compensation based on a value obtained by multiplying the expenditure amount of each of the items by a predetermined rate.

21. The information processing apparatus according to claim 20,

22. The information processing unit includes: The value of the compensation is derived based on a value obtained by multiplying the expenditure amount of each of the items by the predetermined rate, while the value of the predetermined rate is changed for each of the items.

22. The information processing apparatus according to claim 21 .

23. The information processing unit includes: Deriving a value of the compensation by reflecting personal attributes of the user 21. The information processing apparatus according to claim 20,

24. the predetermined category is a category related to household finances, The above items are items for classifying household expenditures.

24. The information processing device according to claim 20, wherein the information processing device is a computer.

25. The information processing unit acquires the user's property-related information relating to the composition or change of the property of the user who registers with a service in which a person seeking advice can post advice about his / her property and a person who makes a proposal can provide a proposal about the advice.

2. The information processing apparatus according to claim 1,

26. A function for acquiring user property-related information regarding the composition or changes of the user's property; A function of deriving a value of a compensation to be given to the user based on the user property-related information in a manner that reflects the composition or change of the user's property; and a function of executing a process related to the provision of the compensation to the user. An information processing system comprising:

27. An information processing unit of the information processing device acquires user property-related information relating to a composition or change of the user's property; The information processing unit of the information processing device derives a value of a compensation to be given to the user based on the user property-related information in a manner that reflects a composition or change in the property of the user; and a step of executing a process for providing the compensation to the user by the information processing unit of the information processing device.

23. An information processing method comprising:

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