Information processing system, information processing method, and information processing program

Abstract

To provide an information processing system that can integrally manage assets of an ancestor and appropriately grasp a successor.SOLUTION: An information processing system includes a server device that supports inheritance. The server device comprises: a first registration unit that registers individual authentication information related to an ancestor and estimated successors; a first creation unit that creates an inheritance relationship diagram including, as a range of the estimated successors, a spouse, persons in the family relationship being first to third in the order succession, and a person to be an object of inheritance per stirpes, on the basis of the registered individual authentication information related to the ancestor and the estimated successors and family register information linked to the individual authentication information; and a first update unit that, when a change affecting the inheritance occurs in the ancestor or the estimated successors, links predetermined information related to the change to the individual authentication information to update the inheritance relationship diagram.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present disclosure relates to an information processing system, an information processing method, and an information processing program. [Background technology]

[0002] Conventionally, as a technology targeted at the transfer of assets in relation to the inheritance of an individual (decedent), for example, an asset management system (Patent Document 1) has been disclosed that supports various processes related to the transfer of assets to close relatives, including inheritance.

[0003] The asset management system of Patent Document 1 comprises an asset management unit that records information about assets in an asset status recording unit and records the details of processing related to the transfer of assets in a transfer history recording unit, and an inheritance management unit that processes the transfer of assets during the user's lifetime or after death. The inheritance management unit records the details of a gift made during one's lifetime, including the transfer conditions received from a first user, in the inheritance property recording unit, and when the transfer conditions are met, it notifies the first user that the transfer conditions have been met. The asset management unit processes the transfer of assets from the first user to another user in a gift made during one's lifetime based on the details of the gift made during one's lifetime, and it is proposed to reflect gifts made during one's lifetime before the start of inheritance (gifts made causa mortis, bequests, etc.). [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2023-060231 A Summary of the Invention [Problem to be solved by the invention]

[0005] However, with the conventional technology described above, in the current environment where assets that are not physical paper, such as online bankbooks, are increasing, it is difficult to determine the total assets (including loans) of the deceased at the time of his or her death, or to decipher the passwords that may have been set for each digital asset, and there is also the issue that it is not always possible to fully identify the heirs.

[0006] Therefore, the present invention aims to provide an information processing system, an information processing method, and an information processing program that can centrally manage the assets of a deceased person and properly identify the heirs by registering personal authentication information related to the deceased person and the heirs. [Means for solving the problem]

[0007] From one aspect, the present invention discloses an information processing system including a server device that supports inheritance, the server device including: a first registration unit that registers personal authentication information related to the deceased and the presumptive heir; a first creation unit that creates an inheritance relationship diagram based on the registered personal authentication information related to the deceased and the presumptive heir and family register information linked to the personal authentication information, the diagram including, as the scope of the presumptive heir, a spouse, persons with relationships from first to third in the order of inheritance, and persons who are subject to substitute inheritance; and a first update unit that, when a change that affects inheritance occurs to the deceased or the presumptive heir, updates the inheritance relationship diagram by linking specified information related to the change to the personal authentication information. Effect of the Invention

[0008] According to the present invention, by registering personal authentication information relating to the deceased and the heirs, it is possible to provide an information processing system, an information processing method, and an information processing program that can centrally manage the assets of the deceased and properly identify the heirs. [Brief description of the drawings]

[0009] [Figure 1] 1 is a schematic diagram of an overall configuration of an information processing system according to an embodiment; [Diagram 2] This is a conceptual diagram (part 1) of inheritance support using an information processing system, and explains the linking of family structure when a My Number card is used as personal authentication information. [Diagram 3] This is a conceptual diagram (part 2) of inheritance support using an information processing system, which shows an inheritance relationship diagram in which all heirs from the perspective of a certain deceased person are shown in order of inheritance. [Figure 4] This is a conceptual diagram (part 3) of inheritance support using an information processing system, and is a diagram explaining inherited assets. [Diagram 5] This is a conceptual diagram (part 4) of inheritance support using an information processing system, and explains the functions of the information processing system when a death notification for a certain deceased person is submitted. [Figure 6] This is a conceptual diagram (part 5) of inheritance support using an information processing system, and explains the display of an inheritance relationship diagram when heirs are extracted based on the order of inheritance from a certain deceased person. [Figure 7] This is a conceptual diagram (part 6) of inheritance support using an information processing system, which explains the display of a list of the inherited assets of a certain deceased person. [Figure 8] This is a conceptual diagram (part 7) of inheritance support using an information processing system, and is a diagram that summarizes the effects of the information processing system. [Figure 9] 4 is a timing chart showing an example of the operation of the information processing system. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] Hereinafter, embodiments will be described in detail with reference to the accompanying drawings.

[0011] FIG. 1 is a schematic diagram of the overall configuration of an information processing system 1 according to this embodiment.

[0012] The information processing system 1 is a system that realizes inheritance support, which will be described below. The inheritance support is achieved by causing a server device 10 constituting the information processing system 1 to function from a user terminal 20 via a network 30.

[0013] Service providers relating to inheritance support to which the present embodiment can be applied may include, for example, financial institutions such as various banks and insurance companies, as well as post offices, public or administrative service providers, non-profit organizations (NPOs), etc. An example of inheritance support will be described later with reference to FIG. 2 and subsequent figures, taking a bank as a service provider, but can be modified within a reasonable range depending on the characteristics of each service provider.

[0014] As shown in Fig. 1, the information processing system 1 includes a server device 10 and a user terminal 20. Although one server device 10 and two user terminals 20 are illustrated in Fig. 1, the information processing system 1 may be configured such that the server device 10 is made up of a plurality of server devices and the user terminal 20 is made up of one or three or more terminal devices, as necessary, depending on the specific application of the information processing system 1.

[0015] The server device 10 and the user terminal 20 are communicatively connected to each other via a network 30. The server device 10 is operated and managed by a service provider related to inheritance support, and the user terminal 20 is owned by a member of a family receiving inheritance support.

[0016] The network 30 may include, for example, a wireless communication network for mobile phones, the Internet, a Virtual Private Network (VPN), a Wide Area Network (WAN), a wired network, or any combination of these.

[0017] The user terminal 20 is, for example, a smartphone or a tablet, but may also be a wearable terminal (for example, a smart watch, a ring, etc.), a remote control, etc. In addition, the user terminal 20 does not need to be a portable terminal, and may be a fixed terminal such as a desktop or notebook type personal computer.

[0018] The user terminal 20 includes a communication unit 21, a processing unit 22, an input unit 23, and a display unit 24. The communication unit 21 performs various communications via a network 30. The processing unit 22 realizes various functions that can be realized by the user terminal 20, and realizes various functions (functions on the user terminal 20 side) described below by executing a program related to an "inheritance support app" (nicknamed "inheritance assistance app" or the like) described below. The input unit 23 accepts inputs by the user that are necessary for carrying out inheritance support. The display unit 24 outputs various types of processed information. The input unit 23 and the display unit 24 may be liquid crystal displays, organic EL (Electro-Luminescence) displays, or the like, and may be configured as a shared device.

[0019] The user terminal 20 has installed therein an application according to this embodiment (hereinafter referred to as the "inheritance support app"). The user terminal 20 described below is realized by executing the inheritance support app. The inheritance support app is an app for inheritance support, and may require registration of user information (user ID) and the like as a condition for use. In the following, the user terminal 20 associated with a user means a user terminal 20 in which the inheritance support app is running and logged in with a user ID related to the user.

[0020] The server device 10 is installed in a service provider that provides a service to which the inheritance support according to this embodiment can be applied. The server device 10 may be configured to cover the entire organization of the service provider, or may be provided for each certain area, each head office / branch store, or each building, depending on the organization's configuration. The server device 10 is formed, for example, by a server computer. The server device 10 may be realized by multiple server computers. For example, the server device 10 may be realized by the cooperation of multiple server computers located in different locations.

[0021] The types of services that can be applied for inheritance support are optional, but are broadly divided into services before the inheritance begins and services after the inheritance begins. In the following, services before the inheritance begins include the composition of the family receiving inheritance support and the registration, update, and display of the property of that family, while services after the inheritance begins include notification to the heirs when a death notification is submitted for a family member, resulting in a deceased, and confirmation of approval / renunciation of inheritance.

[0022] In this embodiment, as mentioned above, the service providing institutions may include financial institutions such as various banks and insurance companies, as well as post offices, public or administrative service providers, non-profit organizations (NPOs), etc., but the following explanation will be given assuming a bank (for example, a city bank, which is a type of ordinary bank) as an example.

[0023] The server device 10 is a server that performs various services related to inheritance support, but may also be used as a server for services (purposes) other than inheritance support.

[0024] Here, inheritance support using the server device 10 and the user terminal 20 in this embodiment will be described with reference to Fig. 2 to Fig. 8. Fig. 2 to Fig. 8 are each a schematic diagram of inheritance support.

[0025] 2 is a conceptual diagram (part 1) of inheritance support by the information processing system 1 according to the present embodiment, and is a diagram explaining the linking of family structures when a My Number card is used as personal authentication information. The personal authentication information does not have to be based on a My Number card, and may be based on any other official document that lists a name, address, etc. that can prove identity and is socially used as identification, and can be obtained from at least one of official documents including a driver's license, a health insurance card, and a passport, for example. Below, a case where a My Number card is used will be explained as an example of these.

[0026] Here, we will add a few words about My Number and My Number Card. My Number is notified to the individual by the city, ward, town or village via a personal number notification letter, and My Number Card is issued by the city, ward, town or village upon application from the individual. In the following explanation, we may say "register My Number Card", but unless otherwise specified, this is used to mean "register the information recorded on My Number Card". Currently, "information recorded on My Number Card" consists of four pieces of front information (address, name, date of birth, gender) and a photograph on the front, and a personal number (My Number) on the back.

[0027] Since an expiration date is set for each My Number card, information should be registered using the My Number card that is still valid, and if the expiration date is updated, the information should be updated using the new My Number card after it is reissued. Similarly, if there are any changes to the information recorded due to a change of address, etc., the information should be updated using the new My Number card after it is reissued.

[0028] As described above, inheritance support is divided into two stages: a stage before the start of inheritance and a stage after the start of inheritance. In this embodiment, first, in the stage before the start of inheritance, the members of the family who are the subject of inheritance support are registered in the server device 10 by linking their family relationships using My Number cards.

[0029] Figure 2 shows an example of a family structure spanning three generations (11 people in total). This is shown without identifying the deceased, as it is the stage before the inheritance begins, and depicts the following structure from the highest generation to the lowest. · 2 grandparents - 2 sets of parents (2 siblings and their respective spouses) Two sets of three siblings and two children of the two sets of parents By registering the My Number cards of the 11 people who make up this family in the server device 10, a family structure relationship diagram such as the one shown in the figure is created.

[0030] The relationship diagram may be created in various ways, and as shown in the figure, a photograph taken at a certain time (such as a face photograph affixed to an unexpired My Number card) may be used, or text such as names and addresses may be used. Of course, a combination of photographs and text may also be used. This relationship diagram may be made viewable by members on their own user terminals 20.

[0031] 2 shows the process of changing family structure by taking family registry notification as an example, and showing the case where a birth notification, marriage notification, divorce notification, and death notification are submitted. When these notifications are submitted, the factual relationships described in the notifications are linked to the My Number cards of each member and registered in the server device 10, and the relationship diagram is updated.

[0032] In the case of a birth notification, the newborn's My Number is notified, and the My Number card is linked to the My Numbers of the father and mother, and the fact of the birth is registered in the server device 10. As a result, the newborn is added as a member, and the relationship diagram of the family structure is updated. In the case of a marriage notification or divorce notification, the My Number card of the relevant person is linked to the My Number of the spouse, and the fact of the marriage or divorce is registered in the server device 10. As a result, the spouse is added as a member, or deleted from the members, and the relationship diagram of the family structure is updated. In the case of a death notification, the My Number card of the relevant person is linked to the My Number of the spouse (or the father, mother, child, etc., if there is no spouse), and the fact of the death is registered in the server device 10. As a result, the relevant person is deleted as a surviving member, and the relationship diagram of the family structure is updated. The specific relationship between the family structure and inheritance support will be described in more detail with reference to FIG. 3 and subsequent figures.

[0033] Next, FIG. 3 is a conceptual diagram (part 2) of inheritance support by the information processing system 1 according to the present embodiment, which is an inheritance relationship diagram when all heirs from a certain decedent are shown with an inheritance order. FIG. 3 explains the inheritance order when the relationship diagram of the basic family structure explained in FIG. 2 is made into a more complicated family structure. The inheritance order is determined by the provisions of the Civil Code, and in the server device 10, when registering the My Number card, the relationship is registered for each family member by linking it to the My Number. The relationship is acquired from the family register information. When a registered member dies and a decedent is born based on the death notification and inheritance begins, an inheritance relationship diagram of the inheritance range (the range corresponding to the first to third inheritance orders, including substitute inheritance) is created from the decedent's perspective.

[0034] Figure 3 shows an example of a family structure spanning five generations (total of 20 people). This illustrates a case where the deceased is specified, and the following structure is depicted based on the relationships from the deceased's perspective (assuming he is male). ·1 decedent 1 spouse Two children of the spouse Two spouses of each of the spouse's two children Two grandchildren, each of the spouse's two children ·1 ex-wife One child from the previous wife ·2 parents · 2 sets of 4 grandparents 1 sibling One spouse of the sibling Two nieces and nephews who are the children of the said siblings

[0035] When a death notification for the deceased is submitted, the statutory shares of inheritance will be as follows, unless a different inheritance is determined by a will or estate division agreement. First, the spouse will always be an heir, and if there are heirs in the first, second, or third places, they will have the same rank as those heirs. The spouse's share of inheritance will be one-half if there is a first-ranked heir, two-thirds if there is a second-ranked heir, and three-quarters if there is a third-ranked heir. On the other hand, a former wife who is divorced does not have the status of an heir. Furthermore, at the time of divorce, property will be divided between the deceased and the former wife.

[0036] In Figure 3, the persons with the first place in the order of inheritance are the deceased's direct descendants, the two spouse's children and one child from the ex-wife. The ex-wife's child will have the first place in the order of inheritance regardless of whether custody belongs to the deceased or the ex-wife. As mentioned above, the spouse's legal share of inheritance is half when there is an heir with the first place in the order of inheritance, so in the example in Figure 3, the legal share of each of the deceased's three children will be an equal share of the remaining half of the spouse's inheritance (one third in this example), so when viewed from the perspective of the entire estate, it will be 1 / 2 x 1 / 3 = 1 / 6.

[0037] Here, if the spouse's children are no longer alive due to death or other reasons before the start of the inheritance of the decedent, the spouse's children's children, i.e. the spouse's grandchildren, will inherit in place of the spouse. In the example of Figure 3, if the spouse's two children are no longer alive due to death or other reasons, the first-ranked heirs will be the two grandchildren and the ex-wife's child, for a total of three people, and the legal inheritance share for each of the three people will be the remaining half of the spouse's inheritance divided equally (one-third in this example), so from the perspective of the entire estate, it will be 1 / 2 x 1 / 3 = 1 / 6.

[0038] Next, when there is no one with the first place in the order of inheritance, that is, when there are no direct lineal descendants, including those with a right of representation, as heirs, the deceased's direct lineal ascendants will inherit the estate with the second place in the order of inheritance. In the example of Figure 3, when the deceased's two parents are alive, the legal inheritance share of each of them will be an equal share of the remaining one-third of the spouse's share (one-half in this example), so when viewed from the perspective of the entire estate, it will be 1 / 3 x 1 / 2 = 1 / 6.

[0039] Here, the idea of ​​substitutional inheritance as in the case of lineal descendants is not adopted for lineal ascendants. When both parents of the deceased are alive, as mentioned above, the two parents inherit the estate with the second order of inheritance, but if one of the parents has already died, the remaining surviving parent will inherit the entire remaining one-third of the spouse's share as the second order of inheritance, and the inheritance share of the deceased parent will not be passed on to the parent, i.e., the deceased's grandparents. If both parents have already died, the surviving grandparents will inherit with the second order of inheritance. In other words, in the case of lineal ascendants, the idea is that the lineal ascendants as a whole will have the second order of inheritance, and only the lineal ascendants who are alive at the time of the start of the inheritance and who are closest to the deceased will inherit.

[0040] Next, when there is no one with the first or second inheritance order, that is, when there are no lineal descendants or lineal ascendants, including those inheriting by representation, as heirs, the deceased's siblings inherit the estate as third in the order of inheritance. In the example in Figure 3, the deceased has one sibling, so his or her legal share of inheritance is the entire remaining quarter of the spouse's share of inheritance. If there are multiple siblings, the remaining quarter of the spouse's share of inheritance will be divided equally.

[0041] Here, if the siblings are no longer alive due to death or other reasons before the start of the inheritance of the deceased, the children of the siblings, i.e., the nephews and nieces from the perspective of the deceased, will inherit in place of the siblings, third in the order of inheritance. In the example of Figure 3, if one sibling is no longer alive due to death or other reasons, the third heirs will be the two nephews and nieces, and their legal share of inheritance will be the remaining quarter of the spouse's share divided equally (half in this example), so from the perspective of the entire estate, it will be 1 / 4 x 1 / 2 = 1 / 8.

[0042] Next, in this embodiment, before the inheritance begins, the details of the inherited property that is the subject of inheritance support (which becomes an inheritance when the inheritance begins) are linked to the My Number card and registered in the server device 10.

[0043] 4 is a conceptual diagram (part 3) of inheritance support by the information processing system 1 according to this embodiment, and is a diagram explaining inherited property. Inherited property consists of real estate, movable property, etc., and in the server device 10, inherited property is registered for each family member by linking it to the My Number card. Inherited property becomes an inheritance at the time of the death of the deceased, and the inheritance is all rights and obligations related to the property owned by the deceased at the time of death.

[0044] Inherited assets can be divided into positive and negative assets, and positive assets include savings, land, cars, houses (buildings), securities (stocks, etc.), life insurance, as well as land and house leases, cash, loans, accounts receivable, household goods, precious metals, art, golf memberships, copyrights, patents, and claims for damages, as shown in Figure 4. Negative assets include liabilities such as mortgage balances, unpaid amounts, and guarantee debts. In short, inherited assets are all positive and negative assets that can be expressed in monetary terms, such as the property, rights, and obligations owned by the deceased.

[0045] In the information processing system 1 according to the present embodiment, the inherited property may be disclosed to registered family members even before the start of the inheritance, based on the will of the person who will be the inheritee or the consent of the family members, or may be disclosed to each heir according to the order of inheritance only after the start of the inheritance. The manner in which the inheritance is disclosed to the heirs after the start of the inheritance will be described below.

[0046] Fig. 5 is a conceptual diagram (part 4) of inheritance support by the information processing system 1 according to this embodiment, and is a diagram explaining the function of the information processing system 1 when a death notification of a certain decedent is submitted. When a decedent is born based on the death notification and inheritance begins, the information processing system 1 discloses information on the inherited property explained in Fig. 4 to the heir in the following procedure.

[0047] When disclosing information about an estate, if there is a first-place heir (including a spouse), a list of the estate will be disclosed to that heir. If there is no first-place heir, a list of the estate will be disclosed to second-place heirs (including a spouse). If there are no first- or second-place heirs, a list of the estate will be disclosed to third-place heirs (including a spouse).

[0048] Here, as mentioned above, the spouse is always an heir, and if there are heirs in the first to third ranks, the spouse will be ranked the same as them. Also, property acquired through the cooperation of the spouse during the marriage is generally divided in half at the time of divorce. Spouses, i.e., husband and wife, have a special relationship in which they share the joys and sorrows of life. From this perspective, information about the inherited property that will become an estate may be disclosed to the spouse even during the lifetime of the deceased. Furthermore, in consideration of the close relationship with the deceased, information about the inherited property may be disclosed to the first-ranked child only to a limited extent even during the deceased's lifetime, or all information may be disclosed after the death notification is submitted.

[0049] Such disclosure of information about an inheritance is achieved, for example, as follows. When the death notification of the deceased is registered in server device 10, a notification to that effect is sent to user terminals 20 held by family members in accordance with the order of inheritance. An application called, for example, an "inheritance assistance app" is installed in user terminal 20, and when a notification is received from server device 10, a number indicating the number of notifications (in FIG. 5, a "1 in a circle" indicating the number 1) is displayed on the icon of the "inheritance assistance app" displayed on user terminal 20, thereby alerting the relevant heir.

[0050] When the heir who received the notification clicks on the icon, a notification is displayed on the user terminal 20 as "~Notice~" informing the user that the inheritance has started, such as "A death notification for Mr. / Ms. XXX (the decedent) has been submitted. We are contacting the person in the order of inheritance." Note that the start of an inheritance is a major concern for an heir, and as a rule, an heir must "accept (simple acceptance / limited acceptance)" or "renounce" the inheritance within three months of learning that an inheritance has started for him / her. However, the timing and wording of the notification may be adjusted, taking into consideration the feelings of the heir due to the death of the decedent, the timing of the funeral, etc.

[0051] In addition to the "~Notice~", this notification is accompanied by an inheritance relationship chart and a list of inherited assets (legacy) registered in the server device 10. The inheritance relationship chart reflects the order of inheritance as shown in Fig. 6 described later, and the list of inherited assets (legacy) is as shown in Fig. 7 described later, and by clicking the corresponding button, each piece of information is disclosed to the heir.

[0052] This notification may also include a button for confirming whether or not there is a will. At this time, the type of will (holographic will, notarized will, secret document will, etc.) may be displayed. In addition, the information processing system 1 may be configured to disclose the will stored in the server device 10 to the user terminal 20 in the case of "yes," assuming that creating and storing a will in electronic data is legally permitted (digital will system). The information processing system 1 according to this embodiment provides inheritance support by linking it to a My Number card, and when a will is created, stored, and displayed in electronic data, it has advantages in terms of identity verification, authenticity of the electronic signature, and sincerity of the testator.

[0053] Furthermore, this notification may be provided with buttons for selecting "Inherit (Accept)" / "Reject Inheritance" as a "Response" to the "Notice." As mentioned above, an inheritance includes not only positive assets but also negative assets, and inheritance tax is levied depending on the inheritance. After looking at the inheritance relationship chart, the list of inherited assets (estate), and sometimes a will, an heir can choose whether to "accept" or "reject" the inheritance. Regarding "acceptance" of an inheritance, there is "simple acceptance," which inherits the rights and obligations of the deceased without limit, and "limited acceptance," which reserves the right to pay the debts and bequests of the deceased only to the extent of the assets acquired through inheritance, so it may be possible to choose between the two.

[0054] In this way, an heir can choose from three options regarding inheritance: simple acceptance, qualified acceptance, or renunciation of inheritance. Whereas the first option has legal effect at the will of the heir, the latter two options become legally effective after a petition to the family court. Qualified acceptance requires a petition to the family court by all co-heirs, as it involves an evaluation of the entire inherited property (estate), whereas renunciation of inheritance can be petitioned to the family court by one person alone. For this reason, the selection made in the information processing system 1 does not immediately produce legal effects, but rather takes on the character of a confirmation of the will of the heirs.

[0055] Heirs who "accept" the inheritance will hold the necessary discussions among themselves based on their intention to accept the inheritance with or without qualification, and then proceed with the subsequent procedures. Qualified acceptance must be done by all co-heirs, as it will not be valid if even one heir accepts the inheritance with simple acceptance. If all co-heirs agree to simple acceptance, the process will move on to procedures such as estate division negotiations, and if all co-heirs agree to qualified acceptance, the process will move on to procedures such as filing a petition with the family court.

[0056] An heir who "renounces" an inheritance must individually go through procedures such as filing a petition with the family court. As a result of this legal effect, an heir who "renounces" an inheritance is deemed to have never been an heir in the first place.

[0057] In addition, cases in which an heir loses his / her status include "renunciation of inheritance," in which the heir loses his / her status by will, "disinheritance," in which the heir loses his / her status by will of the deceased, and "disqualification from inheritance," in which the heir loses his / her status due to a disqualification reason set out in the Civil Code. In the information processing system 1, information related to "disinheritance" and "disqualification from inheritance" is also recorded for the relevant persons.

[0058] Fig. 6 is a conceptual diagram (part 5) of inheritance support by the information processing system 1 according to this embodiment, and is a diagram explaining the display of an inheritance relationship diagram when heirs are extracted according to the order of inheritance from a certain inheritee, as a function of the information processing system 1. In the information processing system 1, based on the family structure relationship diagram shown in Fig. 3, when inheritance begins, an inheritance relationship diagram is created according to the order of inheritance, and the inheritance relationship diagram is attached to a notification according to the above-mentioned order of inheritance and transmitted to the user terminal 20 of the relevant heir.

[0059] Figure 6 shows an example of a case where there is a first-ranked heir, and the first-ranked heir and his / her spouse who is of the same rank as the first-ranked heir and always inherits are extracted and displayed from Figure 3. If there is no first-ranked heir but there is a second-ranked heir, the second-ranked heir and his / her spouse who is of the same rank as the second-ranked heir and always inherits are extracted and displayed from Figure 3. Furthermore, if there are no first-ranked or second-ranked heirs but there is a third-ranked heir, the third-ranked heir and his / her spouse who is of the same rank as the third-ranked heir and always inherits are extracted and displayed from Figure 3.

[0060] As a supplement to Figure 6, the children of a former wife are included in the inheritance diagram because they have the status of first-ranked heirs regardless of who has parental rights after the divorce. Also, although not shown in Figure 6, if the spouse's children and the children of the former wife have died and there are children of those, i.e., grandchildren of the deceased, they will be included in the inheritance diagram as substitute heirs. When clicking on an heir displayed in the inheritance diagram, personal information such as name, current address, sex, date of birth, and relationship to the deceased may be displayed.

[0061] In addition, when displaying the inheritance relationship diagram according to each inheritance order, for example, if the deceased had wished to display it during his / her lifetime, it is possible to add heirs of other inheritance orders instead of displaying them by order of inheritance. For example, the second and / or third orders may be added to the inheritance relationship diagram of the first order. In that case, the latter may be grayed out so that the difference between the corresponding inheritance order and the additionally listed inheritance order is clear. This is to avoid the misunderstanding that the second and third order heirs have an inheritance share even though there is a first order heir.

[0062] Fig. 7 is a conceptual diagram (part 6) of inheritance support by the information processing system 1 according to this embodiment, and is a diagram for explaining the display of a list of inherited assets (legacy) of a certain inheritee. As described above, positive assets include savings, land, cars, houses / apartments (buildings), securities (stocks, etc.), insurance (life insurance, etc.), etc., while negative assets include various liabilities, etc. In the information processing system 1, when inheritance begins, a list of inherited assets (legacy) at that time is created based on the diagram explaining the inherited assets as shown in Fig. 4, and is attached to a notice according to the inheritance order described above and transmitted to the user terminal 20.

[0063] Each inherited property (legacy) is given information to identify the property. For example, savings accounts are given the branch name, type, account number, etc. for each financial institution, land is given registry information for each land use (residential land, forest land, etc.), cars are given chassis numbers (vehicle numbers) for each use (personal use, business use), houses and condominiums (buildings) are given registry information for each type (residence (home, vacation home, etc.), store, etc.), securities are given the name of a securities company and a securities account number for each type (stocks, bonds, etc.), insurance is given security numbers for each type (life insurance, medical insurance, etc.), and liabilities are given repayment account numbers for each type (mortgages, unsettled credit card balances, etc.).

[0064] 7 shows an example in which the assessed value of each property is not stated, but if the assessed value converted into money at the time of the start of the inheritance (or at the time of the inheritance meeting) is known and the information is registered in the server device 10, the assessed value may be stated. Also, if the death notification of the deceased has only recently been submitted, the heirs may be notified of only a list like that shown in FIG. 7 as a first report, and then, when the assessed value of each property becomes known, the heirs may be notified of a list including the assessed value as a second report.

[0065] 8 is a conceptual diagram (part 7) of inheritance support by the information processing system 1 according to this embodiment, and is a diagram summarizing the effects of the information processing system 1. Although some of the above is repeated, the information processing system 1 provides the heirs with information that will help them make a decision to "accept / renounce" the inheritance in a timely manner by disclosing to the relevant heirs a list of inherited assets (legacy) including negative assets according to the order of inheritance. In response to this, an heir who "approves" can begin the procedures for inheritance, and an heir who "renounces" can begin the procedures for renouncing the inheritance in a timely manner.

[0066] Next, the information processing system 1 will be further described with reference to FIG. 1 again, supplementing the contents described with reference to FIG. 2 to FIG.

[0067] In this embodiment, as shown in Fig. 1, the server device 10 includes a first registration unit 121, a first creation unit 122, a first update unit 123, a second registration unit 124, a second creation update unit 125, and a notification unit 126 as the processing unit 12, and includes a personal authentication information storage unit 131, a family composition information storage unit 132, and an inheritance property information storage unit 133 as the storage unit 13. Each unit of the processing unit 12 can be realized by the CPU of the server computer executing a program. Also, the storage unit 13 can be realized by a storage device of the server computer.

[0068] First, the storage unit 13 will be described.

[0069] The personal authentication information storage unit 131 is a database of personal authentication information of family members registered in the information processing system 1 for each family member who receives inheritance support. The personal authentication information is information obtained from official documents including at least one of a My Number card, a driver's license, a health insurance certificate, and a passport. When a My Number card is used, currently, as "information recorded on the My Number card", four pieces of information (address, name, date of birth, and gender) and a facial photograph are stored in the personal authentication information storage unit 131 as "information recorded on the My Number card" and are written on the front side, and a personal number (My Number) is stored on the back side as back information. When the scope of use of the My Number card is expanded and new information is added to the information written on the card, the information is updated accordingly.

[0070] The family structure information storage unit 132 is a database that organizes the members of a family who receive inheritance support by linking the personal authentication information with the relationship obtained from the family register information. The scope of the family needs to be considered so that there are no members who can become legal heirs when an inheritance begins when one of the members dies. When considering the scope of the family, in addition to whether they live together or separately, whether they share the same household or not, complex human relationships including emotional aspects may emerge, such as whether they are out of contact on a daily basis, whether they are biological children or adopted children, and whether they have children from a past marriage. In order to realize a fair inheritance, the service provider for inheritance support constructs family structure information by considering the order of inheritance, inheritance by proxy, etc.

[0071] The inherited property information storage unit 133 is a database that organizes inherited property, i.e., legacies, in a form in which the contents of the property acquired from the property formation process are linked to personal authentication information. As mentioned above, the objects of inherited property are diverse, but for example, in the case of real estate such as land or buildings, the corresponding registry information (registered matter certificate) is linked to personal authentication information.

[0072] Next, the processing unit 12 will be described.

[0073] The first registration unit 121 receives inheritance support from the information processing system 1 upon receiving a request from a family member, and registers personal authentication information related to the deceased and presumed heir by obtaining necessary information from official documents including at least one of My Number Card, driver's license, health insurance certificate, and passport. When accepting the request, the family members at the time of the request are initially registered together with their personal authentication information (information recorded in the My Number Card). The acceptance of the inheritance support may be directly inputted into the server device 10 by the service providing institution, or may be inputted from a user terminal 20 used by the service providing institution and transmitted to the server device 10.

[0074] The first creation unit 122 is a department that creates an inheritance relationship chart including the spouse, those with a relationship from the first to third order of inheritance, and those who are the subject of substitute inheritance as the range of presumptive heirs, based on the personal authentication information related to the registered decedent and presumptive heir and the family register information linked to the personal authentication information while working with the other units. When linking personal authentication information, for example, when using My Number cards, the passwords for the My Number cards are different for each member, so the information processing system 1 may function without inputting each password, or the service provider may function by separately setting a common password for the family members for the My Number cards registered in the information processing system 1.

[0075] The first creation unit 122 may create a family structure relationship chart, such as that shown in FIG. 2, prior to the inheritance relationship chart. This is intended to grasp the entire family members at the stage when the deceased has not been identified, i.e., before the inheritance begins. It is created regardless of whether they live together or separately, whether they share the same household, etc. Since the deceased has not yet been identified, the order of inheritance is not displayed.

[0076] The first creation unit 122 creates an inheritance relationship diagram for registered family members using linked personal authentication information. The inheritance relationship diagram is, for example, as shown in Fig. 3 or Fig. 6, and shows the family members who are in the position of heirs with the order of inheritance at the stage when the deceased has been identified, that is, after the inheritance has started. The inheritance relationship diagram may be created including the first to third orders and substitute inheritance as shown in Fig. 3, or may be created by order of inheritance as shown in Fig. 6.

[0077] The first update unit 123 is a section that updates the inheritance relationship chart by linking predetermined information related to the change to the personal authentication information when a change occurs to the deceased or presumptive heir that affects the inheritance. After the initial registration, when there is a change in the family members due to a birth notification, marriage notification, divorce notification, death notification, etc., the corresponding fact is input each time and the family composition is updated. In addition, even if a fact such as a divorce notification or death notification results in the relevant person leaving the family, the information of the relevant person is not deleted from the server device 10 because it affects the identification of the heir. In other words, all of the history of changes in the family composition accepted by the first registration unit 121 is stored in the related section of the storage unit 13 from the initial registration state.

[0078] The second registration unit 124 is a section that registers the inherited property of the deceased by linking it to the personal authentication information related to the deceased. When accepting inheritance support, this section initially registers the property of the family members at the time of the request together with their personal authentication information (information recorded in the My Number card). The same applies when changes occur after the initial registration due to buying and selling, property division, gifts during life, inheritance, etc.

[0079] The second creating / updating unit 125 is a section that creates an inheritance property list based on the inheritance property and updates the inheritance property list when a change occurs in the inheritance property. For registered family members who have become the deceased due to the submission of a death notification, an inheritance property (legacy) list is created using linked personal authentication information. An inheritance property (legacy) list is, for example, as shown in FIG. 7. As described above, FIG. 7 shows an example in which the assessed value of each property is not listed, but the assessed value may be listed, or a second report with the assessed value listed may be created sequentially when the assessed value is determined.

[0080] The notification unit 126 notifies the user terminal 20 possessed by the family members of the above-mentioned family structure relationship chart, inheritance relationship chart, and inheritance property (legacy) list chart. In principle, these charts are sent to the heir's user terminal 20 by attaching them to an "Announcement" notification using the "inheritance support app" when a family member dies and inheritance begins. After viewing these charts, the heir has the opportunity to select "approval (simple approval / limited approval)" or "renouncement" of the inheritance.

[0081] In addition to the above, the processing unit 12 of the server device 10 may be provided with a function for processing the subsequent procedures upon receiving "approval (simple approval / limited approval)" or "renunciation" of the inheritance by the heirs. For example, in the case of "simple approval", a draft of the inheritance division agreement may be prepared, in the case of "limited acceptance", a draft of a statement to be submitted to the family court by all the heirs may be prepared, and in the case of "renunciation", a draft of a statement to be submitted to the family court by the relevant heir may be prepared.

[0082] Next, an operation example of the information processing system 1 will be described with reference to FIG.

[0083] 9 is a timing chart showing an example of the operation of the information processing system 1. This example of the operation is realized as an information processing method for processing inheritance support by a service provider through each step described below, and an information processing program for causing a computer to execute each step.

[0084] 9 shows a schematic example of the main information exchange between one user terminal 20 and one server device 10. Note that, here, one user terminal 20 and one server device 10 relating to one heir described below are shown as representatives, but the combination of user terminals 20 and server devices 10 is set rationally between each user terminal 20 when there are multiple heirs, and between each server device 10 when the server devices 10 are set in a distributed manner according to function.

[0085] First, in step S100, one user (hereinafter simply referred to as "user") starts up an inheritance support application on the user terminal 20 in order to receive inheritance support provided by a service providing institution.

[0086] Next, in step S102, the user transmits his / her personal authentication information and necessary family register information and property information to the server device 10 as initial registration. This initial registration may be directly input by the service provider to the server device 10 instead of by the user inputting the information into the user terminal 20. Note that if the initial registration has already been completed, step S102 may be omitted.

[0087] In step S104, the server device 10 performs initial registration of the user (family member) based on the personal authentication information input from the user terminal 20 or directly. This user registration includes storing the personal authentication information in the personal authentication information storage unit 131 in association with the user ID (user account) issued by the server device 10, storing the family register information and family structure information linked to the personal authentication information in the family structure information storage unit 132, and storing the property information linked to the personal authentication information in the inherited property information storage unit 133.

[0088] In step S106, when a birth notification, marriage notification, divorce notification, or death notification is submitted as a family register notification that leads to a change in family members, the user inputs the information linked to the personal authentication information. These family register notifications may be directly input by the service provider to the server device 10 instead of being input by the user to the user terminal 20. Note that in the case of a death notification, inheritance will begin with the relevant person as the decedent, but for the sake of convenience, please note that here it is considered to be a death notification for the heir in terms of its impact on the order of inheritance and substitute inheritance. The start of inheritance due to the death notification of the decedent will be described later as step S114.

[0089] In step S108, the server device 10 updates the initially registered personal authentication information and family register information based on the family register notification.

[0090] In step S110, if there has been any change in the assets due to buying and selling, property division, gifts during one's lifetime, inheritance, etc., the user inputs such information linked to the personal authentication information. These changes in assets may be directly input to the server device 10 by the service provider instead of the user inputting them to the user terminal 20.

[0091] In step S112, the server device 10 updates the initially registered property information in consideration of changes in property.

[0092] When the death of the deceased occurs, the process becomes "(※) Inheritance starts", and step S114 is executed by inputting the death notification. The death notification may be directly input to the server device 10 by the service provider instead of being input by the user to the user terminal 20.

[0093] In step S114, when the "inheritance begins," the server device 10 notifies the user terminal 20 of that fact. At that time, an inheritance relationship diagram and a list of the inherited assets (legacy) at the time of the inheritance start are attached. In addition, in response to developments such as the digital will system, a will may also be attached if possible. This notification is provided with buttons that allow the heir to select whether to "accept (simple acceptance / limited acceptance)" or "renounce" the inheritance.

[0094] In step S116, the user selects whether to "accept" the inheritance (simple acceptance / limited acceptance) or to "renounce" it.

[0095] In step S118, support for the necessary procedures is provided depending on whether the inheritance is "accepted (simple acceptance / limited acceptance)" or "renounced."

[0096] The embodiment has been described above in detail. As an effect of the inheritance support by the information processing system 1, since it has the above-mentioned configuration, for example, it is possible to create an input memo about family structure and property situation with a simple interface, link it with personal authentication information such as My Number card, and also link the personal authentication information with each other, and accurately and easily create a relationship diagram of the family structure. Even if there is a departure from the family structure such as divorce of spouses, a record is kept so that inheritance is not hindered. In addition, it is also possible to disclose information to heirs in stages according to the situation at the time.

[0097] In addition, the information processing system 1 can be operated as a service provider by, for example, a bank, but if necessary, it can also be usefully utilized to provide the stored information to those who support the necessary procedures associated with inheritance, such as estate liquidators, lawyers, judicial scriveners, and tax accountants.

[0098] In addition, the information processing system 1 registers not only family members who are recognized as everyday family members, such as those who live together or share the same household, but also so-called distant relatives who live far away and do not visit on a daily basis, so it is expected to have the benefit of allowing each family member to clearly recognize that there are family members who have the status of legal heir.

[0099] The information processing system 1 is not limited to the specific embodiment described above, and various modifications and changes are possible within the scope of the claims. It is also possible to combine all or a plurality of the components of the above-mentioned embodiment. Modifications of the information processing system 1 are described below.

[0100] In the case where the service provider is a provider of public or administrative services, for example, the server device 10 may be installed in a ward, city, town or village office that provides the public or administrative services, or in a location that accepts public or administrative services on behalf of the service provider, thereby realizing the reception function of the service provider.

[0101] Although the processing unit 12 and the memory unit 13 are provided in one server device 10, the processing unit 12 and the memory unit 13 may be distributed to meet the actual system of the service provider, and each part of the processing unit 12 and each part of the memory unit 13 may be distributed and arranged.

[0102] As a method of utilizing the information processing system 1, for example, if there is a subscription related to the deceased, the system may be provided with a function to stop the withdrawal of the subscription.

[0103] If all family composition information and inherited property information are linked to the My Number card, it is necessary to consider the risk of such information being leaked not only outside the family but also inside the family. For example, a distant relative may own real estate with collateral and receive a notice from the court requesting that the debt be waived, giving a glimpse into the assets and liabilities of the distant relative. Therefore, the linking of the My Number card and other personal authentication information may be set so that it can be linked at any time, and may be set to be linked when the death notification is submitted and inheritance begins.

[0104] If the service provider is a bank, it may be difficult to grasp the transaction status (deposits, savings, etc.) between family members and other banks, but from the perspective of playing a common role in supporting inheritance, it may be useful to link the transaction status between multiple banks using personal authentication information such as My Number cards. For example, a service could be provided in which My Number card information is registered with each bank, and family members can use it to grasp the assets of the deceased.

[0105] The information stored in the information processing system 1 may be configured so that, for example, a representative designated within a family or a person who requested the system's inheritance support can check the registered information (centralized information) at any time, while the information is disclosed to other family members only when a death notification is submitted and inheritance begins. Also, the information may be accessible only to those who know the number issued when the death notification is accepted and the hash value generated from the deceased's My Number, etc.

[0106] The information processing system 1 may have a function of recording who has accessed information regarding family structure, inheritance, and the like.

[0107] Finally, please note that information processing system 1 is configured in accordance with the sequel to the Civil Code and related laws and regulations, including points not directly mentioned, that it is possible to make necessary modifications in response to new legal systems such as a "digital will system," and that it is possible to reflect any changes in the handling of personal authentication information such as My Number cards. [Explanation of symbols]

[0108] 1. Information Processing Systems 10. Server equipment 12 Processing section 121 First Registration Section 122 First Creation Section 123 1st update part 124 Second Registration Section 125 Second Creation and Update Section 126 Notification Department 13 Storage section 131 Personal authentication information storage unit 132 Family Composition Information Storage Unit 133 Inheritance property information storage unit 20 User terminal 21 Communications Department 22 Processing section 23 Input section 24 Display section 30 Network

Claims

1. An information processing system including a server device for supporting inheritance, The server device includes: a first registration unit for registering personal authentication information relating to the decedent and the presumptive heir; a first creation unit that creates an inheritance relationship chart based on the personal authentication information related to the registered decedent and the presumptive heir and family register information linked to the personal authentication information, the chart including, as the scope of the presumptive heir, a spouse, persons with a relationship from the first to third in the order of inheritance, and persons who are the subject of substitute inheritance; An information processing system comprising: a first update unit that updates the inheritance relationship diagram by linking specific information related to a change that affects the inheritance to the deceased or the presumptive heir when that change occurs to the deceased or the presumptive heir, to the personal authentication information.

2. The information processing system according to claim 1 , wherein the predetermined information includes a birth certificate, a marriage certificate, a divorce certificate, and a death certificate.

3. 2. The information processing system according to claim 1, wherein if the presumptive heir is subject to disqualification, disinheritance, or renunciation of inheritance, that fact is recorded.

4. a second registration unit that registers the inherited property of the decedent in association with the personal authentication information related to the decedent; The information processing system according to claim 1 , further comprising a second creation and update unit that creates an inheritance property list based on the inheritance property and updates the inheritance property list when a change occurs to the inheritance property.

5. The information processing system of claim 1 further comprises a notification unit which, before the inheritance begins, discloses a list of the assumed inherited assets of the deceased to a terminal device of a legal heir who is eligible to inherit among the presumed heirs listed on the inheritance relationship chart at any time, and / or, when the inheritance begins upon the submission of a death notification of the deceased as the specified information, notifies a terminal device of a legal heir who is eligible to inherit among the presumed heirs listed on the inheritance relationship chart at that time of the fact that the inheritance has begun and discloses a list of the confirmed inherited assets of the deceased.

6. 6. The information processing system according to claim 5, wherein the notification unit discloses a list of the inherited property of the deceased to the legal heirs other than the spouse in accordance with the order of inheritance.

7. An information processing method for a server device that supports inheritance, comprising: A first registration step of registering personal authentication information relating to the decedent and the presumptive heir; a first creation step of creating an inheritance relationship chart based on the personal authentication information related to the registered decedent and the presumptive heir and the family register information linked to the personal authentication information, the chart including the spouse, those in the first to third inheritance order, and those who are the subject of substitute inheritance as the scope of the presumptive heir; An information processing method comprising: a first update step of updating the inheritance relationship diagram by linking specific information related to a change that affects the inheritance to the deceased or the presumptive heir when that change occurs to the deceased or the presumptive heir, thereby updating the inheritance relationship diagram.

8. An information processing program for supporting inheritance, The server device includes: a first registration process for registering personal authentication information relating to the decedent and the presumptive heir; a first creation process for creating an inheritance relationship chart based on the personal authentication information related to the registered decedent and the presumptive heir and the family register information linked to the personal authentication information, the chart including the spouse, those in the first to third inheritance order, and those who are the subject of substitute inheritance as the scope of the presumptive heir; An information processing program that executes a first update process that updates the inheritance relationship diagram by linking specific information related to a change that affects the inheritance of the deceased or the presumptive heir when that change occurs to the deceased or the presumptive heir.

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