Asset management system, asset management method, and program

Abstract

To increase user's motivation to save.SOLUTION: A price information acquisition unit (101) of an asset management system (1) acquires price information on a desired purchase target, which is a product or service the user intends to purchase. A future prediction information acquisition unit (104) acquires future prediction information on future prediction of the amount that the user can use for the purchase of a desired item among the assets managed by an asset management service that oversees the user's assets. A display control unit (103) causes possible purchase time information on a possible purchase time during which the user can purchase a desired purchase target to be displayed on the user terminal of the user on the basis of the price information and future prediction information.SELECTED DRAWING: Figure 9

Description

Technical Field

[0001] The present disclosure relates to an asset management system, an asset management method, and a program.

Background Art

[0002] Conventionally, an asset management service for managing a user's assets has been known. For example, in Patent Document 1, based on the usage detail information of a user at a financial institution, a short-term prediction detail, which is a short-term prediction of income and expenditure, is created, and based on the information of the user's life events and the information of the savings plan related to the life events, a long-term prediction detail, which is a prediction of income and expenditure during the period related to the life events, is created, and a future passbook including the short-term prediction detail and the long-term prediction detail is displayed on a user terminal in a passbook format or a graph format. The service provided by the future passbook display system of Patent Document 1 to the user is an example of an asset management service.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the future passbook display system of Patent Document 1, the user can only know the prediction of income and expenditure according to his / her life events by the future passbook, so the user's motivation for savings cannot be sufficiently enhanced.

[0005] One of the objects of the present disclosure is to enhance the user's motivation for savings.

Means for Solving the Problems

[0006] The asset management system according to the present disclosure includes a price information acquisition unit that acquires price information regarding the price of a purchase target, which is a product or service that a user wishes to purchase, and a future prediction information acquisition unit that acquires future prediction information regarding a future prediction of the amount that the user can use for the purchase of the purchase target among the assets managed by an asset management service that manages the user's assets. A display control unit that causes the user terminal of the user to display purchasable time information regarding a purchasable time at which the purchase target can be purchased based on the price information and the future prediction information.

Effect of the Invention

[0007] The present disclosure can enhance the user's motivation for savings.

Brief Description of the Drawings

[0008]

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Mode for Carrying Out the Invention

[0009] [1. First Embodiment] A first embodiment, which is an example of an embodiment of an asset management system, an asset management method, and a program according to the present disclosure, will be described.

[0010] [1-1. Hardware Configuration of Asset Management System] FIG. 1 is a diagram showing an example of the hardware configuration of an asset management system. For example, the asset management system 1 includes an asset management server 10, an e-commerce server 20, and a user terminal 30. Each of the asset management server 10, the e-commerce server 20, and the user terminal 30 is connected to a network N such as the Internet or a LAN.

[0011] The asset management server 10 is a server computer for an asset management service. The asset management service is a service for managing a user's assets. Assets are a user's property. The assets managed by the asset management service may be of any type. For example, in the asset management service, deposits in a bank account, cash in the user's hand, electronic money, points, cryptocurrency, sales income from an online free market, financial products such as stocks or platinum, or real estate assets may be managed.

[0012] For example, the asset management server 10 includes a control unit 11, a storage unit 12, and a communication unit 13. The control unit 11 includes at least one processor. The storage unit 12 includes at least one of a volatile memory such as a RAM and a non-volatile memory such as a flash memory. The communication unit 13 includes at least one of a communication interface for wired communication and a communication interface for wireless communication.

[0013] The e-commerce server 20 is a server computer for e-commerce services. The e-commerce service is a service for executing electronic commerce. For example, the e-commerce server 20 includes a control unit 21, a storage unit 22, and a communication unit 23. The hardware configurations of the control unit 21, the storage unit 22, and the communication unit 23 may be the same as those of the control unit 11, the storage unit 12, and the communication unit 13, respectively.

[0014] The user terminal 30 is a user's computer. For example, the user terminal 30 is a smartphone, a tablet, a personal computer, or a wearable terminal. The user terminal 30 includes a control unit 31, a storage unit 32, a communication unit 33, an operation unit 34, and a display unit 35. The hardware configurations of the control unit 31, the storage unit 32, and the communication unit 33 may be the same as those of the control unit 11, the storage unit 12, and the communication unit 13, respectively. The operation unit 34 is an input device such as a touch panel or a mouse. The display unit 35 is a display such as a liquid crystal or an organic EL.

[0015] Note that the programs stored in the storage units 12, 22, and 32 may be supplied to the asset management server 10, the e-commerce server 20, or the user terminal 30 via the network N. Further, at least one of a reading unit for reading a computer-readable information storage medium (for example, a memory card slot) and an input / output unit for inputting / outputting data with an external device (for example, a USB port) may be included in the asset management server 10, the e-commerce server 20, or the user terminal 30. For example, a program stored in the information storage medium may be supplied to the asset management server 10, the e-commerce server 20, or the user terminal 30 via at least one of the reading unit and the input / output unit.

[0016] Further, the asset management system 1 may include at least one computer. The computer included in the asset management system 1 is not limited to the example in FIG. 1. For example, the asset management system 1 may include only the asset management server 10 and the user terminal 30. In this case, the e-commerce server 20 exists outside the asset management system 1. The asset management system 1 may include only the asset management server 10. In this case, the e-commerce server 20 and the user terminal 30 exist outside the asset management system 1. For example, the asset management system 1 may include the asset management server 10 and other computers not shown in FIG. 1.

[0017] [1-2. Overview of the Asset Management System of the First Embodiment] In the first embodiment, the user uses the asset management service from the application installed on the user terminal 30. Hereinafter, the said application is referred to as the asset management application. The asset management application is distributed by the operating company of the asset management service. For example, when the user operates the user terminal 30 to start the asset management application, the user terminal 30 causes the display unit 35 to display an asset management screen, which is the screen of the asset management application.

[0018] FIGS. 2 and 3 are diagrams showing an example of the asset management screen. As shown in the upper left of FIG. 2, various information regarding the user's assets managed by the asset management service, such as the total amount of the user's assets, the user's income and expenditure this month, and the user's asset target, is displayed on the asset management screen SC1. For example, the asset management application may be an application that allows the user to keep an electronic household account. The asset data displayed in the asset management application may be input manually by the user or acquired from the systems of other services such as the financial institution service with which the asset management server 10 is linked.

[0019] In the first embodiment, the user can register a wish list with the asset management service. The wish list is a list indicating the user's wishes. For example, products or services that the user wishes to purchase are registered in the wish list. Hereinafter, products or services that the user wishes to purchase are referred to as purchase target items. The purchase target items can be any product or service. For example, the purchase target items may correspond to products sold through e-commerce services, hotels or tours (so-called travel products) that can be reserved through travel reservation services, products sold at restaurants, services for treatments at beauty salons or esthetic clinics, or subscription services.

[0020] For example, when the user selects button B10 for displaying the wish list, as shown in the upper right of FIG. 2, the user terminal 30 causes the asset management screen SC1 to display the content of the user's wish list. In addition to purchase target items, any text indicating the user's wishes can be registered in the wish list. However, in the first embodiment, mainly the purchase target items registered in the wish list will be described. In the asset management screen SC1 in the upper right of FIG. 2, the user has not yet registered purchase target items in the wish list.

[0021] For example, when the user selects button B11 for registering purchase target items, as shown in the lower left of FIG. 2, the user terminal 30 causes the asset management screen SC1 to display a modal M12 for the user to select another service for searching for purchase target items. When the user selects the e-commerce service "AAA Market" in the modal M12, as shown in the lower right of FIG. 2, the user terminal 30 uses functions such as the web view function to cause the asset management screen SC1 to display the page of the e-commerce service provided by the e-commerce server 20.

[0022] For example, when the user searches for and selects a product or service to register as a purchase target from the e-commerce service, as shown in the upper left of FIG. 3, the user terminal 30 displays the details of the selected product or service on the asset management screen SC1. When the user selects the button B13 for registering the purchase target, as shown in the upper right of FIG. 3, the user terminal 30 displays on the asset management screen SC1 that the purchase target has been registered in the wish list. The user can also register the second and subsequent purchase targets in the wish list by selecting the button B11 again.

[0023] In the first embodiment, the user terminal 30 displays purchase availability information I14 regarding the availability of purchasing the purchase target on the asset management screen SC1. For example, the purchase availability information I14 indicates whether the available amount, which is the amount available for purchasing the purchase target among the user's assets, is sufficient for the user to purchase the purchase target. The available amount is all or part of the user's assets. For example, the available amount is the amount that the user can freely use for purposes other than living expenses. The available amount may change over time. The available amount can also be referred to as a predetermined frame (for example, a non-living frame or a specific purpose frame) among the user's assets.

[0024] In the first embodiment, the user registers the pace of their savings with the asset management service. The available amount increases according to the pace of savings registered by the user. When the user makes some consumption, the available amount may decrease. In the example in the upper right of FIG. 3, the available amount is 40,000 yen. The price of the purchase target is 70,000 yen. Therefore, the purchase availability information I14 indicates that the available amount is insufficient. For example, the purchase availability information I14 indicates a shortage of 30,000 yen. By looking at the purchase availability information I14, the user aims to save in daily life and increase the assets for purchasing the purchase target.

[0025] For example, if the pace of savings registered by the user is 20,000 yen per month, then after two months, the available amount is expected to increase from 40,000 yen to 80,000 yen. In this case, on the asset management screen SC1 after two months, as shown in the lower left of FIG. 3, the purchase availability information I14 indicating that a purchase target of 70,000 yen can be purchased is displayed. Thus, by displaying the purchase availability information I14 on the asset management screen SC1, the asset management system 1 of the first embodiment presents an easy-to-understand goal of purchasing the purchase target to the user. As a result, the asset management system 1 has become capable of enhancing the user's motivation for savings. Hereinafter, the details of the asset management system 1 will be described.

[0026] [1-3. Functions Realized by the Asset Management System of the First Embodiment] FIG. 4 is a diagram showing an example of functions realized by the asset management system 1 of the first embodiment.

[0027] [1-3-1. Functions Realized by the Asset Management Server] For example, the asset management server 10 includes a data storage unit 100, a price information acquisition unit 101, an available amount information acquisition unit 102, and a display control unit 103. The data storage unit 100 is realized by the storage unit 12. Each of the price information acquisition unit 101, the available amount information acquisition unit 102, and the display control unit 103 is realized by the control unit 11.

[0028] [Data Storage Unit] The data storage unit 100 stores data necessary for the asset management service. For example, the data storage unit 100 stores the asset management database DB1.

[0029] FIG. 5 is a diagram showing an example of the asset management database DB1. The asset management database DB1 is a database in which various types of information related to the user's assets are stored. For example, the asset management database DB1 stores user ID, password, asset information, and wish list information. The user ID is an example of user identification information that can identify the user in the asset management service. Other information such as an email address or a phone number may be used as the user identification information.

[0030] Asset information is information regarding the user's assets. For example, the asset information indicates the user's current assets, the user's current expenses, the user's future assets, or a combination thereof. The asset management server 10 cooperates with servers of other services such as financial institution services that manage the user's bank accounts, and updates the asset information. The method for updating the user's assets may be a known method. For example, the asset management server 10 may cooperate with the system of a credit card company and update the asset information based on the usage status of the user's credit card. The asset information may include other information such as the pace of savings input by the user.

[0031] In the first embodiment, the asset information includes available amount information. The available amount information indicates the available amount that the user can use for the purchase of the purchase target. The available amount information is expressed in an amount of currency such as Japanese yen. The available amount information is updated by the available amount information acquisition unit 102 described later. The available amount information may be manually updated by the user's operation instead of by information processing by the available amount information acquisition unit 102.

[0032] Wish list information is information regarding the user's wish list. For example, the wish list information includes price information regarding the price of the purchase target registered in the wish list. The wish list information may indicate the product title of the purchase target, the image of the purchase target, the description text of the purchase target, the link to the page of the purchase target in the e-commerce service, or a combination thereof. The asset management server 10 acquires this information from the e-commerce server 20 and includes it in the wish list information.

[0033] Note that the data stored in the data storage unit 100 is not limited to the above examples. The data storage unit 100 may store the data necessary for the asset management service. For example, the data storage unit 100 may store the data of various screens displayed on the asset management application.

[0034] [Price Information Acquisition Unit] The price information acquisition unit 101 acquires price information regarding the price of a product or service that the user wishes to purchase, which is the target of purchase desire. In the first embodiment, since the price information is stored in the asset management database DB1, the price information acquisition unit 101 acquires the price information of the target of purchase desire from the asset management database DB1. When the price information is stored in another database other than the asset management database DB1, the price information acquisition unit 101 acquires the price information of the target of purchase desire from the other database. When the price information is stored in another computer or external information storage medium other than the asset management server 10, the price information acquisition unit 101 acquires the price information of the target of purchase desire from the other computer or external information storage medium.

[0035] In the first embodiment, the product or service searched by the user on the e-commerce service is registered in the asset management service as the target of purchase desire. For example, when the target of purchase desire is registered in the asset management service, the price information acquisition unit 101 acquires the price information of the target of purchase desire from the e-commerce server 20. The price information acquisition unit 101 stores the price information of the target of purchase desire in the asset management database DB1 in association with the user ID of the user. The price information acquisition unit 101 can acquire the price information of the target of purchase desire stored in the asset management database DB1 at any timing. The price information acquisition unit 101 may also acquire price information from other services that handle the target of purchase desire, in addition to the e-commerce service.

[0036] Note that the target for purchase desire may be any product or service selected by the user in some form. The method for specifying the target for purchase desire is not limited to the example of the first embodiment. For example, products or services registered by the user in the wish list, favorite list, or products or services scheduled for purchase of an e-commerce service may correspond to the target for purchase desire. The user can select the target for purchase desire through any service other than the e-commerce service (for example, an online free market service, a travel reservation service, or other services). Also, since the price information may be updated, the price information acquisition unit 101 may periodically or when the asset management screen SC1 is displayed, acquire the latest price information from the e-commerce server 20.

[0037] [Available amount information acquisition unit] The available amount information acquisition unit 102 acquires available amount information regarding the amount that the user can use for the purchase of the target for purchase desire among the assets managed by the asset management service that manages the user's assets. In the first embodiment, since the available amount information is stored in the asset management database DB1, the available amount information acquisition unit 102 acquires the user's available amount information from the asset management database DB1. When the available amount information is stored in a database other than the asset management database DB1, the available amount information acquisition unit 102 acquires the user's available amount information from the other database. When the available amount information is stored in a computer other than the asset management server 10 or an external information storage medium, the available amount information acquisition unit 102 acquires the user's available amount information from the other computer or the external information storage medium.

[0038] In the first embodiment, the available amount information acquisition unit 102 repeatedly updates the available amount information based on a predetermined calculation formula. For example, when the update timing of the available amount information arrives, the available amount information acquisition unit 102 adds an amount corresponding to the period from the most recent update timing to the current time (e.g., the savings pace specified by the user) to the available amount indicated by the available amount information updated at the most recent update timing, thereby calculating the latest available amount. The available amount information acquisition unit 102 updates the user's available amount information so as to indicate the latest available amount. The available amount information acquisition unit 102 can acquire the updated available amount information stored in the asset management database DB1 at any timing. For example, the available amount information acquisition unit 102 updates the available amount information so that the available amount increases periodically by an amount corresponding to the savings pace registered by the user. When the user makes some consumption, the available amount information acquisition unit 102 updates the available amount information so that the available amount decreases by the amount of the consumption.

[0039] Note that the method for acquiring the available amount information by the available amount information acquisition unit 102 is not limited to the above example. For example, when the user manually enters the available amount, the available amount information acquisition unit 102 may acquire, from the user terminal 30, the available amount information indicating the available amount manually entered by the user. The available amount information acquisition unit 102 stores the available amount information acquired from the user terminal 30 in the asset management database DB1. For another example, the available amount information acquisition unit 102 may acquire the available amount information by calculating, as the available amount, the value obtained by subtracting the expenditures such as living expenses entered by the user in the asset management application from the user's assets.

[0040] [Display control unit] The display control unit 103 causes the user terminal 30 to display various screens. The display control unit 103 causes the user terminal 30 to display a screen by transmitting display data of the screen to be displayed to the user terminal 30. The display data may be any data necessary for displaying any screen and may be in any format. For example, when the asset management application is used, the data may be in a format corresponding to the asset management application (e.g., image data or HTML data). When a browser is used, the display data may be HTML data.

[0041] In the first embodiment, the display control unit 103 causes the user terminal 30 of the user to display purchase availability information I14 regarding the purchase availability of the purchase target based on the price information and the available amount information. The purchase availability information I14 is information that can be visually recognized by the user. For example, the purchase availability information I14 may be an image such as an icon, text, or other information. The purchase availability information I14 may be any information that allows the user to recognize whether the purchase target is purchasable in some form. The display control unit 103 causes the user terminal 30 to display the purchase availability information I14 by transmitting the display data of the purchase availability information I14 or the display data of the entire asset management screen SC1 including the purchase availability information I14 to the user terminal 30.

[0042] For example, the display control unit 103 determines whether the purchase of the purchase target is possible based on the price information and the available amount information. The display control unit 103 determines that the purchase of the purchase target is possible when the available amount indicated by the available amount information is equal to or greater than the price indicated by the price information. The display control unit 103 determines that the purchase of the purchase target is not possible when the available amount indicated by the available amount information is less than the price indicated by the price information. When the price indicated by the price information does not include tax, the display control unit 103 may determine whether the purchase of the purchase target is possible after considering the tax.

[0043] For example, when it is determined that the purchase of the target of purchase desire is possible, the display control unit 103 causes the user terminal 30 to display the purchase availability information I14 indicating that the purchase of the target of purchase desire is possible. An example of the purchase availability information I14 in this case is the purchase availability information I14 on the asset management screen SC1 at the lower left in FIG. 3. When it is determined that the purchase of the target of purchase desire is possible, the display control unit 103 may calculate the remaining balance after the user purchases the target of purchase desire and cause the user terminal 30 to display the purchase availability information I14 indicating the remaining balance.

[0044] On the other hand, when it is determined that the purchase of the target of purchase desire is not possible, the display control unit 103 causes the user terminal 30 to display the purchase availability information I14 indicating the shortage amount for the purchase of the target of purchase desire. An example of the purchase availability information I14 in this case is the purchase availability information I14 on the asset management screen SC1 at the upper right in FIG. 3. When it is determined that the purchase of the target of purchase desire is not possible, the display control unit 103 may cause the user terminal 30 to display the purchase availability information I14 indicating that the purchase of the target of purchase desire is not possible without calculating the shortage amount.

[0045] Note that the display control unit 103 can display the purchase availability information I14 at an arbitrary timing. For example, the display control unit 103 may cause the user terminal 30 to display the purchase availability information I14 at the timing when the user logs in to the asset management service. The display control unit 103 may cause the user terminal 30 to display the purchase availability information I14 when the user performs an operation for displaying the purchase availability information I14 on the asset management screen SC1.

[0046] [Functions Implemented by the E-commerce Server] For example, the e-commerce server 20 includes a data storage unit 200 and a search processing execution unit 201. The data storage unit 200 is realized by the storage unit 22. The search processing execution unit 201 is realized by the control unit 21.

[0047] [Data Storage Unit] The data storage unit 200 stores data necessary for the e-commerce service. For example, the data storage unit 200 stores a price database DB2.

[0048] FIG. 6 is a diagram showing an example of the price database DB2. The price database DB2 is a database in which various types of information regarding the prices of products or services that are candidates for the purchase target are stored. For example, the price database DB2 stores a product ID or service ID and price information of the product or service. The product ID is an example of product identification information that can identify a product in the asset management service. The service ID is an example of product identification information that can identify a service in the asset management service.

[0049] Note that the data stored in the data storage unit 200 is not limited to the above example. The data storage unit 200 only needs to store data necessary for the e-commerce service. For example, the data storage unit 200 may store data of various screens in the e-commerce service. The data storage unit 200 may store information regarding the title, description, image, or inventory of products or services handled in the e-commerce service. The data storage unit 200 may store information regarding the user's wish list, list of favorite products, or purchase history.

[0050] [Search process execution unit] The search processing execution unit 201 searches for products or services that are candidates for the target of purchase desire. For example, the search processing execution unit 201 searches for products or services whose price information is stored in the price database DB2 based on the search query input by the user. The search processing execution unit 201 transmits data indicating the search results of the products or services to the user terminal 30. When the user selects the target of purchase desire, the search processing execution unit 201 transmits the price information of the target of purchase desire to the asset management server 10. For example, the search processing execution unit 201 may execute the search in consideration of not only the search query input by the user but also other information registered in the electronic payment service. For example, the search processing execution unit 201 may execute the search in consideration of the lowest price, evaluation of the product or service, number of views, number of purchases, number of views within a predetermined period, or other information.

[0051] [1-3-3. Functions Implemented by User Terminal] For example, the user terminal 30 includes a data storage unit 300, an operation reception unit 301, and a display control unit 302. The data storage unit 300 is realized by the storage unit 32. The operation reception unit 301 and the display control unit 302 are realized by the control unit 31.

[0052] [Data Storage Unit] The data storage unit 300 stores data necessary for the user to use the asset management service and the e-commerce service. For example, the data storage unit 300 stores the asset management application. When the user uses the asset management service from a browser instead of the asset management application, the data storage unit 300 stores the browser.

[0053] [Operation Reception Unit] The operation reception unit 301 receives various operations of the user. For example, the operation reception unit 301 receives operations on the asset management application. The operation reception unit 301 transmits data indicating the operation content of the user to the asset management server 10 or the e-commerce server 20.

[0054] [Display Control Unit] The display control unit 302 causes the display unit 35 to display various screens. For example, the display control unit 302 causes the display unit 35 to display the asset management screen SC1. The display control unit 302 communicates with the asset management server 10 or other computers, receives data necessary for displaying these screens, and causes these screens to be displayed on the display unit 25.

[0055] [1-4. Processes Executed in the Asset Management System of the First Embodiment] FIG. 7 is a diagram showing an example of a process executed in the asset management system 1. The control units 11, 21, 31 execute the programs stored in the storage units 12, 22, 32, respectively, whereby the process of FIG. 7 is executed.

[0056] As shown in FIG. 7, when the user terminal 30 starts the asset management application, it executes a login process for the user to log in to the asset management service with the asset management server 10 (S100). When the login is successful, the asset management server 10 executes a process for displaying the top page of the asset management screen SC1 with the user terminal 30 based on the asset management database DB1 (S101).

[0057] When the user instructs the display of the wish list, the user terminal 30 requests the asset management server 10 to display the wish list (S102). When the asset management server 10 receives a request for displaying the wish list from the user terminal 30 (S103), it determines whether a purchase target is registered in the user's wish list based on the asset management database DB1 (S104).

[0058] In S104, if it is determined that the purchase target is not registered in the wish list (S104: N), the asset management server 10 causes the user terminal 30 to display a wish list not including purchase availability information on the asset management screen SC1 (S105). When the user selects the button B11, the user terminal 30 causes the modal M12 to be displayed on the asset management screen SC1 (S106). When the user selects the e-commerce service "AAA Market", the user terminal 30 executes a process for registering the purchase target in the wish list between the asset management server 10 and the e-commerce server 20 (S107) and proceeds to the process of S108.

[0059] In S104, if it is determined that the purchase target is registered in the wish list (S104: Y), the asset management server 10 acquires the price information of the user's purchase target based on the asset management database DB1 (S108). The asset management server 10 acquires the available amount information of the user based on the asset management database DB1 (S109). The asset management server 10 determines whether it is possible to purchase the purchase target based on the price information and the available amount information (S110).

[0060] In S110, if it is determined that it is possible to purchase the purchase target (S110: Y), the asset management server 10 generates purchase availability information I14 indicating that it is possible to purchase the purchase target. In S110, if it is determined that it is not possible to purchase the purchase target (S110: N), the asset management server 10 calculates the shortage amount insufficient for purchasing the purchase target and generates the purchase availability information I14. The asset management server 10 executes a process for displaying the purchase availability information I14 on the asset management screen SC1 between the asset management server 10 and the user terminal 30 (S113), and this process ends.

[0061] [Summary of the First Embodiment] The asset management system 1 of the first embodiment causes the user terminal 30 of the user to display purchase availability information I14 regarding the purchase availability of the target of purchase desire based on the price information of the target of purchase desire and the available amount information of the user. Thereby, the asset management system 1 can present an easy-to-understand goal of purchasing the target of purchase desire to the user and enhance the user's motivation for savings. For example, when the asset management system 1 simply manages the user's assets or manages the user's expenses, the user cannot enjoy the management of assets. However, since the user can know the purchase availability of the target of purchase desire from the purchase availability information I14, the asset management system 1 can enhance the interestingness in the asset management service.

[0062] Further, the asset management system 1 determines whether it is possible to purchase the target of purchase desire based on the price information and the available amount information. When it is determined that it is not possible to purchase the target of purchase desire, the asset management system 1 causes the user terminal 30 to display purchase availability information I14 indicating the shortage amount for the purchase of the target of purchase desire. Thereby, it becomes easier for the user to grasp how much is still lacking for the purchase of the target of purchase desire, so the asset management system 1 can effectively enhance the user's motivation for savings. The user can grasp a specific goal based on the shortage amount.

[0063] In addition, the asset management system 1 acquires the price information of the target of purchase desire selected by the user in another service from another service different from the asset management service. The asset management system 1 can accurately identify the amount of money required for the purchase of the target of purchase desire and cause the user terminal 30 to display purchase availability information I14 that more accurately indicates the purchase availability of the target of purchase desire.

[0064] [2. Second Embodiment] Next, a second embodiment, which is another embodiment of the asset management system 1, will be described. In the second embodiment, the asset management system 1 causes the asset management screen SC1 to display purchasable time information regarding the time when the purchase target can be purchased. In the second embodiment, descriptions of the same points as those in the first embodiment are omitted. The asset management system 1 of the second embodiment may not include the functions described in the first embodiment. That is, the asset management system 1 of the second embodiment does not necessarily cause the asset management screen SC1 to display the purchase availability information I14.

[0065] FIG. 8 is a diagram showing an example of a screen displayed on the user terminal 30 in the second embodiment. In the second embodiment, the flow until the user registers the purchase target in the wish list may be the same as that in the first embodiment. For example, when the user selects the button B10 for displaying the wish list in a state where the purchase target is registered in the wish list, the user terminal 30 causes the asset management screen SC1 to display the purchasable time information I15 as shown in FIG. 8. The purchasable time information I15 is calculated based on the future available amount.

[0066] For example, similar to the first embodiment, assume that the current available amount is 40,000 yen. Assume that the user's savings pace is 20,000 yen per month. If it does not reach two months later, the user's available amount will not reach 70,000 yen or more, which is the price of the user's purchase target. Therefore, the user terminal 30 causes the asset management screen SC1 to display the purchasable time information I15 indicating two months later. As described above, the asset management system 1 of the second embodiment increases the user's motivation for savings by allowing the user to grasp the period required until the purchase of the target purchase target by the purchasable time information I15. Hereinafter, the details of the asset management system 1 of the second embodiment will be described.

[0067] [2-1. Functions Realized by the Asset Management System of the Second Embodiment] FIG. 9 is a diagram showing an example of functions realized by the asset management system 1 of the second embodiment. In the second embodiment, the functions of each of the e-commerce server 20 and the user terminal 30 are the same as those in the first embodiment. Therefore, mainly, the functions of the asset management server 10 will be described.

[0068] The asset management server 10 includes a data storage unit 100, a price information acquisition unit 101, an available amount information acquisition unit 102, a display control unit 103, and a future prediction information acquisition unit 104. The functions of each of the data storage unit 100, the price information acquisition unit 101, and the available amount information acquisition unit 102 are the same as those in the first embodiment. The display control unit 103 has some functions different from those in the first embodiment. The future prediction information acquisition unit 104 is a function peculiar to the asset management server 10 of the second embodiment.

[0069] [Future Prediction Information Acquisition Unit] The future prediction information acquisition unit 104 acquires future prediction information regarding the future prediction of the amount that can be used by the user for the purchase of the purchase target among the assets managed by the asset management service that manages the user's assets. The future prediction information indicates the predicted value of the available amount in the future, not the current available amount. For example, the future prediction information may indicate the available amount at a certain point in the future, or may indicate the available amount at each of a plurality of points in time. The future prediction information may indicate the increase amount of the available amount in the future. For example, the future prediction information may indicate the pace of the user's savings.

[0070] In the second embodiment, the future prediction information acquisition unit 104 acquires user future prediction information based on a predetermined calculation formula. For example, the future prediction information acquisition unit 104 may acquire the available amount information at the current time in the same manner as the available amount information acquisition unit 102 in the first embodiment. The future prediction information acquisition unit 104 may calculate the predicted value of the available amount at each of a plurality of future time points by adding an amount corresponding to the temporal length between the current time and each of the plurality of future time points to the available amount indicated by the available amount information. For example, the future prediction information acquisition unit 104 may acquire future prediction information such that the available amount increases periodically by an amount corresponding to the savings pace registered by the user. The future prediction information acquisition unit 104 may acquire future prediction information such that the available amount decreases by the amount of consumption when the user makes some consumption.

[0071] Note that the future prediction information acquisition unit 104 may acquire future prediction information indicating the increase amount of the available amount in the future (for example, the savings pace specified by the user) instead of the predicted value of the available amount in the future. In this case, the future prediction information acquisition unit 104 may acquire the increase amount specified by the user as future prediction information. The future prediction information acquisition unit 104 may calculate future prediction information based on the user's tendency or the like as in a modification example described later.

[0072] [Display control unit] The display control unit 103 in the second embodiment causes the user terminal 30 of the user to display purchase available time information I15 regarding the purchase available time when the purchase of the purchase target of interest can be made, based on the price information and the future prediction information. The purchase available time information I15 is information that can be visually recognized by the user. For example, the purchase available time information I15 may be an image such as an icon, text, or other information. The purchase available time information I15 indicates the time when the purchase target of interest can be purchased. The purchase available time information I15 may be any information that allows the user to recognize the purchase available time in some form.

[0073] For example, the display control unit 103 specifies a purchasable period during which the purchase of the target of purchase desire can be made based on the price information and the future prediction information. In the second embodiment, since the available amount at each of a plurality of future time points is calculated, the display control unit 103 specifies a period when the available amount becomes equal to or higher than the price indicated by the price information among the plurality of future time points. In the example of FIG. 8, the display control unit 103 specifies two months after the current time. The display control unit 103 causes the user terminal 30 to display the purchasable period information I15 indicating two months after.

[0074] In addition, when the future prediction information indicates an increase amount of the available amount in the future (for example, the pace of savings designated by the user), the display control unit 103 may specify the purchasable period by dividing the difference between the price of the target of purchase desire indicated by the price information, the current available amount, by the increase amount. For example, in the example of FIG. 8, assuming that the user's savings pace is 20,000 yen per month, the future prediction information may indicate a savings pace of 20,000 yen per month. The display control unit 103 may specify the purchasable period by dividing the difference of 30,000 yen, which is the difference between 70,000 yen, the price of the target of purchase desire, and 40,000 yen, the current available amount, by 20,000 yen. Dividing 30,000 yen by 20,000 yen results in 1.5 months, but in the example of FIG. 8, the decimal part is rounded up.

[0075] [2-2. Processing Executed by the Asset Management System of the Second Embodiment] FIG. 10 is a diagram showing an example of processing executed by the asset management system 1. The control units 11, 21, 31 execute the programs stored in the storage units 12, 22, 32, respectively, whereby the processing of FIG. 10 is executed.

[0076] The processes of S200 to S208 are the same as the processes of S100 to S108, respectively. The asset management server 10 acquires the future prediction information of the user based on the asset management database DB1 (S209). The asset management server 10 predicts the purchasable time when purchase is possible and generates purchasable time information I15 based on the price information and the future prediction information (S210). The asset management server 10 executes a process for displaying the purchasable time information I15 on the asset management screen SC1 to the user terminal 30 (S211), and this process ends.

[0077] [2-3. Summary of the Second Embodiment] The asset management system 1 of the second embodiment displays purchasable time information I15 regarding the purchasable time when purchase of the purchase target is possible to the user terminal 30 of the user based on the price information and the future prediction information. Thereby, the asset management system 1 presents an easy-to-understand index of the purchasable time to the user, and the asset management system 1 can enhance the user's motivation for savings. For example, when the asset management system 1 simply manages the user's assets or manages the user's expenses, the user cannot enjoy managing the assets. However, since the user can know the purchasable time of the purchase target from the purchasable time information I15, the asset management system 1 can enhance the interestingness in the asset management service. For example, the asset management system 1 can enhance the user's motivation for savings by considering a realistic time axis according to the user's actual behavior regarding savings.

[0078] [3. Modification Example] The present disclosure is not limited to the embodiments described above. The present disclosure can be appropriately changed without departing from the gist of the present disclosure.

[0079] [3-1. Modification Example of the First Embodiment] First, a modification example of the first embodiment will be described.

[0080] FIG. 11 is a diagram showing an example of a function realized in a modification of the first embodiment. For example, the asset management server 10 includes a priority setting unit 105, a current asset information acquisition unit 106, an expenditure information acquisition unit 107, an assumed savings information acquisition unit 108, a user information transmission unit 109, a search process execution unit 110, a task management unit 111, and an achievement process execution unit 112. Each of the priority setting unit 105, the current asset information acquisition unit 106, the expenditure information acquisition unit 107, the assumed savings information acquisition unit 108, the user information transmission unit 109, the search process execution unit 110, the task management unit 111, and the achievement process execution unit 112 is realized by the control unit 11.

[0081] [Modification Example 1-1] For example, the user may register a plurality of purchase target items in the wish list. In Modification Example 1-1, an example is given where the user registers a plurality of products handled in the e-commerce service as a plurality of purchase target items in the wish list. The user may register, in the wish list, as a plurality of purchase target items, products handled in the e-commerce service and products or services handled in other services. The procedure for the user to register individual purchase target items in the wish list may be the same as the procedure described in the embodiment. The user may register a plurality of purchase target items in the wish list all at once.

[0082] In the asset management database DB1 of Modification Example 1-1, price information of each of the plurality of purchase target items is stored. The process for the asset management server 10 to store individual price information in the asset management database DB1 may be the same as the process described in the embodiment. The price information acquisition unit 101 of Modification Example 1-1 acquires price information of each of the plurality of purchase target items. The price information acquisition unit 101 acquires price information of all or part of the purchase target items registered in the wish list. The price information acquisition unit 101 may acquire the price information of the purchase target items to be displayed on the asset management screen SC1.

[0083] FIG. 12 is a diagram showing an example of the asset management screen SC1 of Modification 1-1. As shown in FIG. 12, the display control unit 103 of Modification 1-1 causes the user terminal 30 to display the purchase availability information I14 for each of the plurality of purchase target items based on the price information and the available amount information for each of the plurality of purchase target items. For example, the display control unit 103 determines whether it is possible to purchase each of the plurality of purchase target items based on the price information and the available amount information for each of the plurality of purchase target items. The determination executed by the display control unit 103 for each individual purchase target item may be the same as the determination described in the embodiment.

[0084] For example, the display control unit 103 generates the purchase availability information I14 such that the purchase availability information I14 for a purchase target item determined to have an available amount indicated by the available amount information greater than or equal to the price indicated by the price information indicates that it is possible to purchase the purchase target item among the plurality of purchase target items. The display control unit 103 generates the purchase availability information I14 such that the purchase availability information I14 for a purchase target item determined to have an available amount indicated by the available amount information less than the price indicated by the price information indicates the shortage amount for purchasing the purchase target item. The display control unit 103 causes the user terminal 30 to display the purchase availability information I14 for each of the plurality of purchase target items.

[0085] In the example of FIG. 12, the user has registered four purchase target items, such as products A to D, in the wish list. The available amount indicated by the available amount information is 40,000 yen. The display control unit 103 determines whether the price indicated by the price information for each of products A to D is greater than or equal to 40,000 yen, which is the available amount, and causes the user terminal 30 to display the purchase availability information I14 for each of products A to D on the asset management screen SC1. For example, each of the purchase availability information I14 for product A with a price of 30,000 yen and the purchase availability information I14 for product B with a price of 40,000 yen indicates that it is possible to purchase. Each of the purchase availability information I14 for product C with a price of 50,000 yen and the purchase availability information I14 for product D with a price of 60,000 yen indicates a shortage amount because it is not possible to purchase. The display control unit 103 may sort and display each of the plurality of purchase availability information I14 based on a predetermined sorting condition (for example, alphabetical order or registration order).

[0086] The asset management system 1 of Modification Example 1-1 causes the user terminal 30 to display the purchase availability information I14 of each of the plurality of purchase target items based on the price information and the available amount information of each of the plurality of purchase target items. The asset management system 1 can present an easy-to-understand goal of purchasing more purchase target items to the user and effectively enhance the user's motivation for savings.

[0087] [Modification Example 1-2] For example, in Modification Example 1-1, the user may set priorities for at least some of the plurality of purchase target items. In Modification Example 1-2, the case where the user sets priorities only for some of the purchase target items is taken as an example, but the user may set priorities for all of the purchase target items. The user can set priorities for any number of purchase target items.

[0088] The asset management system 1 of Modification Example 1-2 includes a priority setting unit 105. The priority setting unit 105 sets priorities for at least some of the plurality of purchase target items. The user can set priorities for at least some of the plurality of purchase target items from any screen such as the asset management screen SC1. When the user designates the priority of each of the plurality of purchase target items, the priority setting unit 105 updates the wish list information of the user so that the wish list information associated with the user ID of the user indicates the designated priority.

[0089] The display control unit 103 of Modification Example 1-2 causes the user terminal 30 to display the purchase availability information I14 of each of the plurality of purchase target items based on the priorities of at least some of the plurality of purchase target items. For example, when arranging the purchase availability information I14 from top to bottom, the display control unit 103 arranges the purchase availability information I14 of each of the plurality of purchase target items so that the purchase availability information I14 of the purchase target item with a higher priority is arranged on the upper side. In other words, the display control unit 103 arranges the purchase availability information I14 of each of the plurality of purchase target items so that the purchase availability information I14 of the purchase target item with a relatively higher priority is arranged on the relatively upper side.

[0090] For example, among products A to D described in Modification Example 1-1, assume that the user has the highest priority for product C. Assume that the user did not set priorities for products A, B, and D. In this case, the display control unit 103 arranges the purchase availability information I14 for each of products A to D and displays it on the user terminal 30 so that the purchase availability information I14 for product C is placed at the top. The purchase availability information I14 for each of products A, B, and D for which priorities were not set may be arranged after the purchase availability information I14 for product C under the predetermined sorting conditions described in Modification Example 1-1.

[0091] Note that the arrangement order of the purchase availability information I14 is not limited to top to bottom. The display control unit 103 may arrange the purchase availability information I14 for each of the plurality of purchase target items from left to right, from right to left, or from bottom to top. In this case, the higher the priority of the purchase target item, the more it is placed on the left, right, or bottom. The display control unit 103 may display only the purchase availability information I14 for the purchase target item with a relatively high priority among the plurality of purchase target items on the user terminal 30.

[0092] The asset management system 1 of Modification Example 1-2 displays the purchase availability information I14 for each of the plurality of purchase target items on the user terminal 30 based on at least one priority of the plurality of purchase target items. Thereby, since the asset management system 1 can display the purchase availability information I14 according to the priority on the user terminal 30, the convenience for the user can be improved. For example, it becomes easier for the user to check the purchase availability information I14 with a relatively high priority.

[0093] [Modification Example 1-3] For example, the method (calculation method) for obtaining available amount information is not limited to the examples of the embodiments. In Modifications 1-3, a case where available amount information is obtained from three perspectives, namely, the assets currently held by the user, the user's current expenditure information, and the user's future assets, will be given as an example. The asset information stored in the asset management database DB1 in Modifications 1-3 includes current asset information regarding current assets, expenditure information regarding the user's expenditure, and assumed savings information regarding assumed savings.

[0094] The current asset information indicates the amount of current assets held by the user. When the user holds a plurality of assets, the current asset information may indicate the total amount of the assets. The expenditure information indicates the total amount of the user's current expenditures. The expenditure information may indicate the total amount of expenditures over the entire past period, or may indicate the total amount of expenditures over a partial past period (for example, the most recent one month). The assumed savings information indicates the amount of savings assumed for the future. The asset management system 1 in Modifications 1-3 includes a current asset information acquisition unit 106, an expenditure information acquisition unit 107, and an assumed savings information acquisition unit 108 for acquiring these pieces of information.

[0095] The current asset information acquisition unit 106 acquires the current asset information. For example, the current asset information acquisition unit 106 acquires the user's current asset information from the system of a financial institution service such as a bank. If the financial institution is a bank, the current asset information indicates the balance of the bank account. The current asset information acquisition unit 106 may acquire other current asset information managed in a securities account or the like. The current asset information acquisition unit 106 may acquire the current asset information from the systems of each of a plurality of financial institution services. The current asset information acquisition unit 106 stores the user's current asset information in the asset management database DB1. The current asset information acquisition unit 106 may calculate the total amount of the assets indicated by each of the user's plurality of current asset information and store it in the asset management database DB1 as one piece of current asset information. The current asset information acquisition unit 106 can acquire the current asset information stored in the asset management database DB1 at any timing. The current asset information acquisition unit 106 may acquire the current asset information manually input by the user.

[0096] The expenditure information acquisition unit 107 acquires expenditure information. For example, the expenditure information acquisition unit 107 acquires the user's expenditure information from the systems of other services such as a company that manages credit cards or electronic money. The expenditure information acquisition unit 107 may acquire expenditure information from the systems of each of a plurality of other services. The expenditure information acquisition unit 107 stores the user's expenditure information in the asset management database DB1. The expenditure information acquisition unit 107 may calculate the total amount of assets indicated by each of the user's plurality of expenditure information and store it in the asset management database DB1 as one piece of expenditure information. The expenditure information acquisition unit 107 can acquire the expenditure information stored in the asset management database DB1 at any timing. The expenditure information acquisition unit 107 may acquire expenditure information manually input by the user.

[0097] The assumed savings information acquisition unit 108 acquires assumed savings information. The assumed savings information calculates the amount of savings assumed for the user based on a predetermined prediction method. For example, the assumed savings information calculates the amount of savings assumed for the user based on the pace of savings input by the user and acquires it as assumed savings information. The assumed savings information may be acquired based on the user's past savings tendency. The assumed savings information may be acquired based on information such as the user's age group.

[0098] The available amount information acquisition unit 102 of Modifications 1-3 acquires available amount information based on the current asset information, expenditure information, and assumed savings information. For example, the available amount information acquisition unit 102 calculates a value obtained by subtracting the amount of expenditure indicated by the expenditure information and the amount of savings indicated by the assumed savings information from the amount indicated by the current asset information, and acquires the available amount information. The available amount information acquisition unit 102 may acquire the available amount information in consideration of other items such as the amount of expenditure for events that occur irregularly or temporary income.

[0099] The asset management system 1 of Modification Examples 1-3 acquires available amount information based on current asset information, expenditure information, and assumed savings information. The asset management system 1 can improve the accuracy of the estimation of the amount indicated by the available amount information. Since the asset management system 1 can display more accurate purchase availability information I14 on the user terminal 30, it can effectively enhance the user's motivation for savings.

[0100] [Modification Example 1-4] For example, synchronization may be taken between the user ID of the asset management service and the user ID of the e-commerce service. In Modification Example 1-4, the case where the user ID of the asset management service and the user ID of the e-commerce service are the same (the user ID is common in the asset management service and the e-commerce service) is taken as an example, but these user IDs may be different from each other. In this case, it is assumed that the correspondence relationship of these user IDs is managed by at least one of the asset management service and the e-commerce service.

[0101] The asset management system 1 includes a user information transmission unit 109. The user information transmission unit 109 transmits user information regarding the user managed by the asset management service to other services such as the e-commerce service. In Modification Example 1-4, the case where the user information is the user ID is taken as an example. For example, in the state of the asset management screen SC1 at the lower left of FIG. 2, when the user selects the e-commerce service from the modal M12, the user information transmission unit 109 transmits the user ID of the user to the e-commerce server 20.

[0102] In Modifications 1-4, in other services such as e-commerce services, a search according to user information is executed. For example, the e-commerce server 20 identifies the purchase history of the user associated with the user ID which is the user information. Assume that the data regarding the purchase history is managed by the e-commerce server 20. When the user registers a purchase target in the wish list, the e-commerce server 20 searches for products or services that are candidates for the purchase target in consideration of the user's purchase history in the e-commerce service. For example, the e-commerce server 20 preferentially searches for at least one of the products or services that the user has purchased in the past and the store that handles the product or the service.

[0103] The price information acquisition unit 101 of Modifications 1-4 acquires the price information of the purchase target searched by a search according to user information from other services such as e-commerce services. Although different from the embodiment in that user information is used in the search, the flow in which the price information of the product or service selected by the user from the search results is acquired as the price information of the purchase target may be the same as that of the embodiment.

[0104] The asset management system 1 of Modifications 1-4 acquires the price information of the purchase target searched by a search according to user information from other services such as e-commerce services. Thereby, the asset management system 1 can acquire optimal price information according to the user. As a result, the asset management system 1 can register in the wish list the purchase targets in which the user shows particular interest.

[0105] [Modification 1-5] For example, the user may register text indicating the content of the wish in the wish list. Further, based on the text registered by the user in the wish list, products or services that are candidates for the purchase target may be searched in the e-commerce service. The user can register any text in the wish list. For example, the user can register a character string such as "want to purchase a high-class microwave oven" or "want to go to Korea for travel" as a wish from an arbitrary screen such as the asset management screen SC1 in the wish list.

[0106] The asset management server 10 in Modifications 1-5 registers the user's wish list information in the asset management database DB1 so as to indicate the character string input by the user as a wish. The asset management server 10 may register each of a plurality of wishes input by the user in the wish list. The asset management server 10 may delete the registered wish selected by the user from the wish list. The asset management server 10 may change the wish registered in the wish list based on the user's operation.

[0107] The asset management system 1 includes a search process execution unit 110. The search process execution unit 110 executes a search process related to searching for candidates for purchase targets based on the wish input by the user. The search process may be the search itself, but in Modifications 1-5, an example is given where the process of generating a search query and the process of sending the search query to the e-commerce server 20 correspond to the search process. For example, the search process execution unit 110 may generate a search query based on the wish input by the user. For example, the search process execution unit 110 may execute morphological analysis of the wish input by the user and obtain a search query based on the execution result of the morphological analysis. In the search query, only nouns may be used, or nouns and adjectives may be used.

[0108] In the case of the wish list example described above, the search process execution unit 110 may obtain a search query such as "high-class microwave oven" from the wish "want to purchase a high-class microwave oven", or obtain a search query such as "trip to Korea" from the wish "want to go on a trip to Korea". The search process execution unit 110 may use the wish input by the user as a search query as it is. The search process execution unit 110 sends the obtained search query to the e-commerce server 20. Although it differs from the embodiment in that the search query is automatically obtained, the method of executing the search and the flow after the search may be the same as those in the embodiment.

[0109] Note that the method for obtaining the search query is not limited to the above example. The search processing execution unit 110 may obtain a search query according to the wish by using a machine learning model such as a large-scale natural language model instead of morphological analysis. For example, the search processing execution unit 110 inputs text indicating the user's wish to the machine learning model. The machine learning model calculates the embedded representation of the user's wish and obtains a search query according to the calculated embedded representation. The search processing execution unit 110 may obtain the search query output from the machine learning model.

[0110] The price information acquisition unit 101 in Modification Examples 1-5 acquires the price information of the purchase target selected by the user from among the candidates retrieved by the search processing of the search processing execution unit 110. Although it is different from the embodiment in that the search query is automatically acquired, the flow in which the user selects the purchase target from the search results and the method for acquiring the price information may be the same as in the embodiment.

[0111] The asset management system 1 in Modification Examples 1-5 executes a search process related to the search for candidates for the purchase target based on the wish input by the user. The asset management system 1 acquires the price information of the purchase target selected by the user from among the candidates. Thereby, since the asset management system 1 can execute a search process for candidates for the purchase target based on any wish input by the user, it is possible to save the trouble of the user accessing the e-commerce service and inputting a search query. For example, since the user can input a future wish in a specific sentence, the asset management system 1 can easily make the user understand future goals. As a result, the asset management system 1 can increase the user's motivation for savings.

[0112] [Modification Example 1-6] For example, in Modifications 1-5, the search process execution unit 110 may execute a search process by requesting a search for candidates for purchase target for each of a plurality of other services different from the asset management service based on the wish input by the user. The method by which the search process execution unit 110 obtains a search query based on the wish may be the same as in Modifications 1-5. The search process execution unit 110 transmits a search query to each of the plurality of other services. Each of the plurality of other services executes a search process based on the search query obtained from the asset management server 10, and transmits data indicating the search result to the asset management server 10 or the user terminal 30.

[0113] Each of the plurality of other services may be any service that cooperates with the asset management service. In Modification 1-6, as an example, in addition to the e-commerce service described in the embodiment, a case where an online supermarket service corresponds to another service is given. Each of the plurality of other services that are destinations for transmitting the search query is assumed to be predetermined. Further, assume that the user inputs "eat yogurt" as a wish. In this case, the search process execution unit 110 performs morphological analysis on the wish "eat yogurt" and obtains the search query "yogurt" which is the noun part.

[0114] For example, the search process execution unit 110 transmits the search query "yogurt" to each of the e-commerce service and the online supermarket service. Each of the e-commerce service and the online supermarket service transmits data indicating products or services that hit the search query "yogurt" as candidates for the purchase target to the asset management server 10 or the user terminal 30. The user terminal 30 obtains the data via the asset management server 10 as necessary, and displays the candidates that hit in each search of the e-commerce service and the online supermarket service. That is, on the user terminal 30, the candidates that hit in the e-commerce service and the candidates that hit in the online supermarket service are displayed mixed. The user can select any candidate.

[0115] The price information acquisition unit 101 in Modifications 1-6 acquires the price information of the purchase target selected by the user from among the candidates searched in each of a plurality of other services. Although it differs from the embodiment in that the search is executed in each of a plurality of other services, the process of the user selecting the purchase target from the search results and the method of acquiring the price information may be the same as in the embodiment. For example, when the user selects a candidate for an e-commerce service, the price information acquisition unit 101 acquires the price information managed by the e-commerce service. When the user selects a candidate for an online supermarket service, the price information acquisition unit 101 acquires the price information managed by the online supermarket service.

[0116] The asset management system 1 in Modifications 1-6 executes a search process by requesting a search for candidates for each of a plurality of other services different from the asset management service based on the wishes input by the user. The asset management system 1 acquires the price information of the purchase target selected by the user from among the candidates searched in each of a plurality of other services. The asset management system 1 can increase the variations of products or services that the user can select as the purchase target. As a result, since the user can select a product or service that enhances the motivation to save as the purchase target, the asset management system 1 can effectively enhance the user's motivation to save.

[0117] [Modification 1-7] For example, the purchase target registered in the wish list may be managed as a task of the user. The task is the issue of the user purchasing the purchase target. When the user purchases the purchase target, the task is achieved. The user aims to manage their assets with the asset management application to achieve the task. When the user registers a plurality of purchase targets in the wish list, a plurality of tasks are set. The asset management system 1 in Modification 1-7 includes a task management unit 111 and an achievement process execution unit 112.

[0118] The task management unit 111 manages the purchase of the target of purchase desire as a user's task in the asset management service. For example, the task management unit 111 manages the user's task by including task achievement information indicating whether the user has achieved the task in the wish list information. The task management unit 111 may manage the user's task by including information indicating the content of the task in the wish list information.

[0119] FIG. 13 is a diagram showing an example of how tasks are managed on the asset management screen SC1. For example, the display control unit 103 causes a button B16 for the user to select whether the user has achieved the task to be displayed on the asset management screen SC1. When the user achieves the task, the user selects the button B16. The achievement of the task may be determined by any method. For example, when the asset management server 10 receives data indicating that the user has purchased the target of purchase desire set as a task from the e-commerce server 20, it may be determined that the user has achieved the task.

[0120] When the user has achieved the task, the achievement processing execution unit 112 executes task achievement processing related to the achievement of the task. The task achievement processing is processing that is executed when the user has achieved the task. For example, the achievement processing execution unit 112 executes the task achievement processing by displaying a message M17 indicating that the user has achieved the task as shown in the lower part of FIG. 13. The achievement processing execution unit 112 may execute the task achievement processing by displaying an image other than the message M17.

[0121] Note that the task achievement processing is not limited to the above example. The task achievement processing may be any processing triggered by the achievement of the task. For example, the achievement processing execution unit 112 may execute the task achievement processing by giving the user a privilege (for example, points or coupons) corresponding to the task achieved by the user. The achievement processing execution unit 112 may execute the task achievement processing by requesting another service other than the asset management service to display a message M17 indicating that the user has achieved the task on the screen of the other service.

[0122] The asset management system 1 of Modifications 1-7 manages the purchase of a target for purchase as a user's task in the asset management service. When the user achieves a task, the asset management system 1 executes a task achievement process related to the achievement of the task. Thereby, the asset management system 1 can effectively enhance the user's motivation for savings by the task. For example, since the user has an easy-to-understand goal of task achievement, the user's motivation for savings is effectively enhanced.

[0123] [3-2. Modification of the Second Embodiment] Next, a modification of the second embodiment will be described.

[0124] FIG. 14 is a diagram showing an example of functions realized in a modification of the second embodiment. For example, the asset management server 10 includes a priority setting unit 105, a search process execution unit 110, a task management unit 111, an achievement process execution unit 112, an asset increase information acquisition unit 113, a user attribute information acquisition unit 114, and a coupon information acquisition unit 115. Each of the priority setting unit 105, the search process execution unit 110, the task management unit 111, the achievement process execution unit 112, the asset increase information acquisition unit 113, the user attribute information acquisition unit 114, and the coupon information acquisition unit 115 is realized by the control unit 11.

[0125] [Modification 2-1] For example, the asset management system 1 of Modification 2-1 includes an available amount information acquisition unit 102. The available amount information acquisition unit 102 may be the same as that in the first embodiment, but it is assumed that the asset management database DB1 of Modification 2-1 stores a history of available amount information in the past. That is, the history of available amount information at each of a plurality of past time points is stored in the asset management data. The available amount information acquisition unit 102 acquires the available amount information at each of a plurality of past time points. The available amount information of Modification 2-1 may be a value obtained by subtracting an expenditure from the user's assets.

[0126] The future prediction information acquisition unit 104 of Modification Example 2-1 acquires future prediction information based on the fluctuations in available amount information in the past. For example, the future prediction information acquisition unit 104 predicts the available amount at each of a plurality of future time points based on the fluctuations in available amount information in the past, and acquires the available amount information. In Modification Example 2-1, the future prediction information acquisition unit 104 calculates the average value of the fluctuations in available amount information over the entire past period as the predicted value of the fluctuations in future available amount information. The future prediction information acquisition unit 104 may calculate the predicted value of the fluctuations in future available amount information based on a predetermined calculation formula instead of the average value.

[0127] For example, the future prediction information acquisition unit 104 acquires the average value of the fluctuations in available amount information in the past as the fluctuations in available amount information per unit time. The future prediction information acquisition unit 104 calculates the amount of change in the available amount by multiplying the time difference between the current time and a future time point by the fluctuations in available amount information per unit time. The future prediction information acquisition unit 104 acquires future prediction information by adding the calculated amount of change to the available amount information at the current time. The future prediction information acquisition unit acquires the available amount information at each of a plurality of future time points by the same calculation. The display control unit 103 causes the user terminal 30 to display the purchasable timing information I15 based on the acquired available amount information.

[0128] The asset management system 1 of Modification Example 2-1 acquires future prediction information based on the fluctuations in available amount information in the past. Thereby, the asset management system 1 can accurately estimate the purchasable timing from past trends.

[0129] [Modification Example 2-2] For example, the future prediction information acquisition unit 104 may acquire future prediction information based on the fluctuations in available amount information during the most recent period in the past. The most recent period is the period from a point in time just before the current predetermined time to the current time. The length of the most recent period may be of any length. For example, the length of the most recent period may be about 1 to 3 months, or may be more or less than that. The user may be able to specify the length of the most recent period. In Modification Example 2-2, the future prediction information acquisition unit 104 acquires future prediction information based on the fluctuations in available amount information during the most recent period when the user logs in to the asset management service. Although the period referred to for the acquisition of future prediction information is different from that in Modification Example 2-1, the method for acquiring future prediction information may be the same as that in Modification Example 2-1.

[0130] The asset management system 1 of Modification Example 2-2 acquires future prediction information based on the fluctuations in available amount information during the most recent period in the past. Thereby, the asset management system 1 can acquire accurate future prediction information according to the most recent trend.

[0131] [Modification Example 2-3] For example, the future prediction information acquisition unit 104 may acquire future prediction information according to the timing in future predictions. In Modification Example 2-3, it is assumed that the future timing and the fluctuations in assets due to events occurring at that timing are associated in advance and stored in the data storage unit 100. The event may be anything as long as it causes fluctuations in assets. For example, it may be the monthly salary day, the debit date for credit cards or utility bills, the bonus day, or other events.

[0132] The future prediction information acquisition unit 104 may acquire future prediction information based on fluctuations in assets associated with the timing of events even from the time when the user logs in to the asset management service until a future time point. For example, if the time point to be predicted in the future prediction information or its vicinity is the payday, the future prediction information acquisition unit 104 increases the amount indicated by the future prediction information by the predicted amount of the user's salary. If the time point to be predicted in the future prediction information or its vicinity is a debit date such as a credit card, the future prediction information acquisition unit 104 decreases the amount indicated by the future prediction information by the predicted amount of the debit. If the time point to be predicted in the future prediction information or its vicinity is the bonus day, the future prediction information acquisition unit 104 increases the amount indicated by the future prediction information by the predicted amount of the user's bonus. Note that the predicted amount of salary or bonus may be calculated from past trends or may be specified in advance.

[0133] Note that the user may be able to select whether to consider fluctuations in assets according to the timing of future events. In this case, when the user wishes to consider fluctuations in assets according to the timing of future events, the future prediction information acquisition unit 104 may acquire future prediction information considering fluctuations in assets according to the timing of future events. When the user does not wish to consider fluctuations in assets according to the timing of future events, the future prediction information acquisition unit 104 acquires future prediction information in the same manner as in the second embodiment.

[0134] The asset management system 1 of Modification 2-3 acquires future prediction information according to the timing in future predictions. Thereby, the asset management system 1 can acquire future prediction information in consideration of circumstances specific to the timing in the future.

[0135] [Modification 2-4] For example, the future fluctuations of assets may not be predicted from past trends, but may be manually input by the user. The asset management server 10 of Modification Example 2-4 includes an asset increase information acquisition unit 113. The asset increase information acquisition unit 113 acquires asset increase information regarding the increase in assets input by the user. The asset increase information indicates the amount of increase in assets in the future. In Modification Example 2-4, similar to the first embodiment, an example is given where the user inputs the pace of savings in the future. Therefore, the asset increase information acquisition unit 113 may acquire the pace of savings input by the user as the asset increase information.

[0136] The future prediction information acquisition unit 104 of Modification Example 2-4 may acquire future prediction information based on the asset increase information. For example, the future prediction information acquisition unit 104 may calculate the predicted value of the available amount at each of a plurality of future time points by adding an amount corresponding to the time length between the current time and each of the plurality of future time points indicated by the available amount information and the increase amount indicated by the future prediction information to the available amount indicated by the available amount information. Although the method for acquiring future prediction information by the future prediction information acquisition unit 104 is different from that of the second embodiment, the processing of the display control unit 103 after the future prediction information is acquired may be the same as that of the second embodiment.

[0137] The asset management system 1 of Modification Example 2-4 acquires future prediction information based on the asset increase information regarding the increase in assets input by the user. Thereby, the asset management system 1 can improve the prediction accuracy of the future prediction information.

[0138] [Modification Example 2-5] For example, the pace of a user's future savings may be similar to that of other similar users. Therefore, since it can be estimated whether users are similar based on the user's attributes, future prediction information may be acquired based on the user's attributes.

[0139] The asset management system 1 of Modification Example 2-5 includes a user attribute information acquisition unit 114. The user attribute information acquisition unit 114 acquires user attribute information regarding the attributes of a user. The attributes of a user may be any information that can classify the user from some perspective. For example, the attributes of a user may be demographic information such as the user's occupation, age group, or gender, or may be the user's rank in an e-commerce service or the like. The attributes of a user may be the user's annual income range. The attributes of a user may be classified based on purchase information in an e-commerce service. For example, collaborative filtering may be performed so that users with similar purchase information belong to the same attribute.

[0140] In Modification Example 2-5, it is assumed that user attribute information is stored in the asset management database DB1. Further, it is assumed that the user attribute information is the demographic information of the user. The user attribute information acquisition unit 114 acquires the user attribute information of the user from the asset management database DB1. When the user attribute information is stored in another database other than the asset management database DB1, the user attribute information acquisition unit 114 acquires the user attribute information of the user from the other database. When the user attribute information is stored in another computer or an external information storage medium other than the asset management server 10, the user attribute information acquisition unit 114 acquires the user attribute information of the user from the other computer or the external information storage medium.

[0141] The future prediction information acquisition unit 104 of Modification Example 2-5 acquires future prediction information based on user attribute information. For example, assume that data defining the amount of future asset increase is pre-stored in the data storage unit for each attribute indicated by the user attribute information. When demographic information such as the user's occupation corresponds to the user attribute information, the amount of future asset increase is shown in the above data for each demographic information such as the user's occupation. The future prediction information acquisition unit 104 acquires future prediction information based on the increase amount associated with the user attribute information. In the second embodiment, the case where the user manually enters the pace of savings is taken as an example. According to Modification Example 2-5, the future prediction information acquisition unit 104 can acquire future prediction information without requiring manual input by the user.

[0142] The asset management system 1 of Modification Example 2-5 acquires future prediction information based on user attribute information. Thereby, the asset management system 1 can improve the prediction accuracy of the future prediction information.

[0143] [Modification Example 2-6] For example, for a purchase target, there may be a defined purchasable period during which the purchase of the purchase target is possible. When a limited-time product corresponds to the purchase target, the period during which the user can purchase the product corresponds to the purchasable period. When a travel product with a limited reservation period corresponds to the purchase target, the period during which the user can reserve the travel product corresponds to the purchasable period. The purchasable period is managed by other services such as e-commerce services. The purchasable period may be other periods such as a sale period.

[0144] In Modification Example 2-6, when the user registers a purchase target with a set purchasable period in the wish list, the display control unit 103 controls the display on the user terminal 30 based on the purchasable period indicated by the purchasable period information I15 and the purchasable period defined for the purchase target. For example, the asset management server 10 acquires information regarding the purchasable period from the e-commerce server 20 together with the price information. The asset management server 10 updates the wish list information to indicate the purchasable period.

[0145] For example, the display control unit 103 may display the purchasable period determined for the target of purchase desire on the asset management screen SC1. When the purchasable period calculated based on the available amount (the period when the user's available amount becomes equal to or more than the price of the target of purchase desire) is after the purchasable period determined for the target of purchase desire, the display control unit 103 may display a message indicating that fact on the asset management screen SC1. The display control unit 103 may display on the asset management screen SC1 the pace of savings necessary to bring forward the purchasable period calculated based on the available amount to before the purchasable period determined for the target of purchase desire.

[0146] The asset management system 1 of Modification 2-6 controls the display on the user terminal 30 based on the purchasable period indicated by the purchasable period information I15 and the purchasable period determined for the target of purchase desire. The asset management system 1 can give the user an incentive to purchase the target of purchase desire within the purchasable period determined for the target of purchase desire.

[0147] [Modification 2-7] For example, the user may be able to use a coupon for discount when purchasing the target of purchase desire. In this case, if the user applies the coupon when purchasing the target of purchase desire, the purchasable period may be advanced. Therefore, the purchasable period information I15 may be displayed after considering the coupon that the user can use when purchasing the target of purchase desire. The coupon indicates a discount rate or a discount amount.

[0148] The asset management system 1 of Modification 2-7 includes a coupon information acquisition unit 115. The coupon information acquisition unit 115 acquires coupon information regarding the coupon that the user can use when purchasing the target of purchase desire. For example, the coupon information acquisition unit 115 acquires the coupon information from another service such as the e-commerce server 20. The coupon information acquisition unit 115 may store the coupon information in the asset management database DB1. The coupon information acquisition unit 115 can acquire the coupon information stored in the asset management database DB1 at an arbitrary timing.

[0149] The display control unit 103 of Modification Example 2-7 causes the user terminal 30 to display the purchasable time information I15 based on the coupon information as well. For example, the display control unit 103 obtains the purchasable time information I15 after reducing the price indicated by the price information based on the coupon information. The display control unit 103 calculates the price after the application of the coupon based on the price indicated by the price information and the discount rate or discount amount of the coupon, and obtains the purchasable time information I15. Although the price referred to in the calculation of the purchasable time is different from that in the second embodiment, other aspects are the same as those in the second embodiment.

[0150] The asset management system 1 of Modification Example 2-7 causes the user terminal 30 to display the purchasable time information I15 based on the coupon information as well. Thereby, the asset management system 1 can accurately calculate the purchasable time. The asset management system 1 can promote the use of coupons by the user.

[0151] [Modification Example 2-8] For example, all or part of the configurations of the modification example of the first embodiment may be combined with the asset management system 1 of the second embodiment. In Modification Example 2-8, like Modification Example 1-1, the user registers each of a plurality of purchase target items in the wish list. The price information acquisition unit 101 of Modification Example 2-8 acquires the price information of each of the plurality of purchase target items. The process of the price information acquisition unit 101 is as described in Modification Example 1-1.

[0152] FIG. 15 is a diagram showing an example of the asset management screen SC1 in Modification Example 2-8. The display control unit 103 of Modification Example 2-8 causes the user terminal 30 to display the purchasable time information I15 of each of the plurality of purchase target items based on the price information of each of the plurality of purchase target items and the future prediction information. The display control unit 103 calculates the purchasable time of each of the plurality of purchase target items based on the price information of each of the plurality of purchase target items and the future prediction information, and obtains the purchasable time information I15. The process by which the display control unit 103 calculates the purchasable time of each individual purchase target item may be the same as the calculation described in the second embodiment.

[0153] In the example of FIG. 15, assume that the pace of the user's savings is 20,000 yen per month. Assume that the current available amount is 40,000 yen. Since the price of product E is 30,000 yen, the display control unit 103 causes the asset management screen SC1 to display the purchasable time information I15 indicating that product E can be purchased at the current time. Since the price of product F is 60,000 yen, the display control unit 103 causes the asset management screen SC1 to display the purchasable time information I15 indicating that product F can be purchased in one more month. Since the price of product G is 80,000 yen, the display control unit 103 causes the asset management screen SC1 to display the purchasable time information I15 indicating that product G can be purchased in two more months. Since the price of product H is 100,000 yen, the display control unit 103 causes the asset management screen SC1 to display the purchasable time information I15 indicating that product H can be purchased in three more months.

[0154] The asset management system 1 of Modification 2-8 causes the user terminal 30 to display the purchasable time information I15 for each of the plurality of purchase target items based on the price information and the future prediction information for each of the plurality of purchase target items. The asset management system 1 can effectively enhance the user's motivation for savings by presenting the user with an easy-to-understand goal of purchasing more purchase target items.

[0155] [Modification 2-9] For example, also in the second embodiment, as in Modification 1-2, the asset management system 1 may include the priority setting unit 105. The processing of the priority setting unit 105 is as described in Modification 1-2. The display control unit 103 of Modification 2-9 causes the user terminal 30 to display the purchasable time information I15 for each of the plurality of purchase target items based on at least one priority of the plurality of purchase target items.

[0156] For example, when the display control unit 103 arranges the purchasable time information I15 from top to bottom, for each of the purchasable time information I15 of a plurality of purchase target candidates, the higher the priority of the purchase target candidate, the higher the position of the purchasable time information I15 of the purchase target candidate is arranged. In other words, the display control unit 103 arranges the purchasable time information I15 of each of the plurality of purchase target candidates so that the purchasable time information I15 of the purchase target candidate with a relatively higher priority is arranged relatively higher.

[0157] For example, an example of products E to H similar to Modification 2-8 will be described. Among products E to H, it is assumed that the user sets the highest priority for product H. It is assumed that the user does not set priorities for products E to G. In this case, the display control unit 103 arranges the purchasable time information I15 of each of products E to H so that the purchasable time information I15 of product H is arranged at the top, and displays it on the user terminal 30. The purchasable time information I15 of each of products E to G for which priorities are not set may be arranged after the purchasable time information I15 of product H under the predetermined sorting conditions described in Modification 1-1.

[0158] Note that the arrangement order of the purchasable time information I15 is not limited to from top to bottom. The display control unit 103 may arrange the purchasable time information I15 of each of the plurality of purchase target candidates from left to right, from right to left, or from bottom to top. In this case, the higher the priority of the purchase target candidate, the more to the left, right, or bottom it is arranged. The display control unit 103 may display only the purchasable time information I15 of the purchase target candidate with a relatively higher priority among the plurality of purchase target candidates on the user terminal 30.

[0159] The asset management system 1 of Modification 2-9 displays the purchasable time information I15 of each of the plurality of purchase target candidates on the user terminal 30 based on at least one priority of the plurality of purchase target candidates. Since the asset management system 1 can display the purchasable time information I15 according to the priority on the user terminal 30, the convenience for the user can be improved. For example, it becomes easier for the user to check the purchasable time information I15 with a relatively higher priority.

[0160] [Modification Example 2-10] For example, also in the second embodiment, like Modification Example 1-5, the asset management system 1 may include a search processing execution unit 110. The search processing execution unit 110 executes a search process related to searching for candidates for purchase target based on the wish input by the user. The price information acquisition unit 101 acquires the price information of the purchase target selected by the user from among the candidates. The processes of the search processing execution unit 110 and the price information acquisition unit 101 are as described in Modification Example 1-5. The display control unit 103 of Modification Example 2-10 causes the user terminal 30 to display the purchasable time information I15 based on the price information acquired by the price information acquisition unit 101 in the same manner as in Modification Example 1-5.

[0161] The asset management system 1 of Modification Example 2-10 executes a search process related to searching for candidates for purchase target based on the wish input by the user. The asset management system 1 acquires the price information of the purchase target selected by the user from among the candidates. Thereby, the asset management system 1 can execute a search process for candidates for purchase target based on any wish input by the user, so that the user can be saved the trouble of accessing the e-commerce service and inputting a search query. For example, since the user can input future wishes in a specific sentence, the asset management system 1 can easily make the user understand future goals. As a result, the asset management system 1 can enhance the user's motivation for savings.

[0162] [Modification Example 2-11] For example, even in the second embodiment, similar to Modifications 1-7, the purchase target registered in the wish list may be managed as a user task. The asset management system 1 of Modification 2-11 includes a task management unit 111 and an achievement process execution unit 112. The task management unit 111 manages the purchase of the purchase target as a user task in the asset management service. The achievement process execution unit 112 executes a task achievement process related to the achievement of the task when the user achieves the task. The processes of the task management unit 111 and the achievement process execution unit 112 are as described in Modifications 1-7. For example, in the purchasable time information I15, the button B16 in FIG. 13 is arranged, and when the user selects the button B16, it may be determined that the user has achieved the task.

[0163] The asset management system 1 of Modification 2-11 manages the purchase of the purchase target as a user task in the asset management service. The asset management system 1 executes a task achievement process related to the achievement of the task when the user achieves the task. Thereby, the asset management system 1 can effectively increase the user's motivation for savings by tasks. For example, since the user has an easy-to-understand goal of task achievement, the user's motivation for savings is effectively increased.

[0164] [3-3. Other Modifications] For example, the above modifications may be combined.

[0165] For example, the functions described as being realized by the asset management server 10 may be realized by the e-commerce server 20 or the user terminal 30. The processes described as being realized by the asset management server 10 may be shared by a plurality of computers.

[0166] [4. Supplementary Note] For example, the asset management system of the first embodiment may also have the following configuration. (1-1) A price information acquisition unit that acquires price information regarding the price of a purchase target, which is a product or service that the user wishes to purchase, Of the assets managed by the asset management service that manages the user's assets, an available amount information acquisition unit that acquires available amount information regarding the amount that the user can use for the purchase of the purchase target; A display control unit that causes the user terminal of the user to display purchase availability information regarding whether or not the purchase target can be purchased based on the price information and the available amount information; An asset management system including (1-2) The display control unit Determines whether or not the purchase of the purchase target is possible based on the price information and the available amount information, When it is determined that the purchase of the purchase target is not possible, the purchase availability information indicating the shortage amount for the purchase of the purchase target is displayed on the user terminal. The asset management system according to (1-1). (1-3) The price information acquisition unit acquires the price information of each of the plurality of purchase targets, The display control unit causes the user terminal to display the purchase availability information of each of the plurality of purchase targets based on the price information of each of the plurality of purchase targets and the available amount information. The asset management system according to (1-1) or (1-2). (1-4) The asset management system further includes a priority setting unit that sets priorities for at least a part of the plurality of purchase targets, The display control unit causes the user terminal to display the purchase availability information of each of the plurality of purchase targets based on the priorities of at least a part of the plurality of purchase targets. The asset management system according to (1-3). (1-5) The asset management system A current asset information acquisition unit that acquires current asset information regarding the current assets, An expenditure information acquisition unit that acquires expenditure information regarding the user's expenditures, An assumed savings information acquisition unit that acquires assumed savings information regarding assumed savings to be assumed, further includes The available amount information acquisition unit acquires the available amount information based on the current asset information, the expenditure information, and the assumed savings information. The asset management system according to any one of (1-1) to (1-4). (1-6) The price information acquisition unit acquires the price information of the purchase target selected by the user in the other service from another service different from the asset management service. The asset management system according to any one of (1-1) to (1-5). (1-7) The asset management system further includes a user information transmission unit that transmits user information regarding the user managed by the asset management service to the other service. In the other service, a search according to the user information is executed. The price information acquisition unit acquires the price information of the purchase target searched by the search according to the user information from the other service. The asset management system according to (1-6). (1-8) The asset management system further includes a search process execution unit that executes a search process regarding the search for candidates for the purchase target based on the wish input by the user. The price information acquisition unit acquires the price information of the purchase target selected by the user from among the candidates. The asset management system according to any one of (1-1) to (1-7). (1-9) The search process execution unit executes the search process by requesting the search for the candidates for each of a plurality of other services different from the asset management service based on the wish. The price information acquisition unit acquires the price information of the purchase target selected by the user from among the candidates searched in each of the plurality of other services. The asset management system described in (1-8). (1-10) The asset management system further includes: a task management unit that manages the purchase of the target of purchase desire as a task of the user in the asset management service; an achievement process execution unit that executes a task achievement process related to the achievement of the task when the user achieves the task; The asset management system according to any one of (1-1) to (1-9).

[0167] For example, the asset management system of the second embodiment may have the following configuration. (2-1) a price information acquisition unit that acquires price information regarding the price of a purchase target, which is a product or service that the user desires to purchase; a future prediction information acquisition unit that acquires future prediction information regarding a future prediction of the amount that the user can use for the purchase of the purchase target among the assets managed by the asset management service for managing the user's assets; a display control unit that causes the user terminal of the user to display purchase available time information regarding the purchase available time when the purchase of the purchase target is possible based on the price information and the future prediction information; An asset management system including the above. (2-2) The asset management system further includes an available amount information acquisition unit that acquires available amount information regarding the amount that the user can use for the purchase of the purchase target among the assets; The future prediction information acquisition unit acquires the future prediction information based on the change in the available amount information in the past. The asset management system according to (2-1). (2-3) The future prediction information acquisition unit acquires the future prediction information based on the change in the available amount information in the most recent period in the past. The asset management system according to (2-2). (2-4) The future prediction information acquisition unit acquires the future prediction information corresponding to the timing in the future prediction. The asset management system according to any one of (2-1) to (2-3). (2-5) The asset management system further includes an asset increase information acquisition unit that acquires asset increase information regarding an increase in the asset input by the user. The future prediction information acquisition unit acquires the future prediction information based on the asset increase information. The asset management system according to any one of (2-1) to (2-4). (2-6) The asset management system further includes a user attribute information acquisition unit that acquires user attribute information regarding the attributes of the user. The future prediction information acquisition unit acquires the future prediction information based on the user attribute information. The asset management system according to any one of (2-1) to (2-5). (2-7) A purchasable period during which the purchase of the purchase target can be made is defined for the purchase target. The display control unit controls the display on the user terminal based on the purchasable period indicated by the purchasable period information and the purchasable period defined for the purchase target. The asset management system according to any one of (2-1) to (2-6). (2-8) The asset management system further includes a coupon information acquisition unit that acquires coupon information regarding a coupon that can be used by the user for the purchase of the purchase target. The display control unit further causes the purchasable period information to be displayed on the user terminal based on the coupon information. The asset management system according to any one of (2-1) to (2-7). (2-9) The price information acquisition unit acquires the price information of each of the plurality of purchase targets. The display control unit causes the user terminal to display the purchasable time information of each of the plurality of purchase target candidates based on the price information of each of the plurality of purchase target candidates and the future prediction information. The asset management system according to any one of (2-1) to (2-8). (2-10) The asset management system further includes a priority setting unit that sets a priority for each of the plurality of purchase target candidates. The display control unit causes the user terminal to display the purchasable time information of each of the plurality of purchase target candidates based on the priority of each of the plurality of purchase target candidates. The asset management system according to (2-9). (2-11) The asset management system further includes a search process execution unit that executes a search process for searching candidates for purchase target candidates based on a wish input by the user. The price information acquisition unit acquires the price information of the purchase target candidate selected by the user from among the candidates. The asset management system according to any one of (2-1) to (2-10). (2-12) The asset management system As a task of the user in the asset management service, a task management unit that manages the purchase of the purchase target candidate, An achievement process execution unit that executes a task achievement process related to the achievement of the task when the user achieves the task. The asset management system according to any one of (2-1) to (2-11).

Description of Signs

[0168] 1 Asset Management System, N Network, 10 Asset Management Server, 11, 21, 31 Control Unit, 12, 22, 32 Memory Unit, 13, 23, 33 Communication Unit, 20 E-commerce Server, 30 User Terminal, 34 Operation Unit, 35 Display Unit, 100 Data Memory Unit, 101 Price Information Acquisition Unit, 102 Available Amount Information Acquisition Unit, 103 Display Control Unit, 104 Future Prediction Information Acquisition Unit, 105 Priority Setting Unit, 106 Current Asset Information Acquisition Unit, 107 Expenditure Information Acquisition Unit, 108 Assumed Savings Information Acquisition Unit, 109 User Information Transmission Unit, 110 Search Processing Execution Unit, 111 Task Management Unit, 112 Achievement Processing Execution Unit, 113 Asset Increase Information Acquisition Unit, 114 User Attribute Information Acquisition Unit, 115 Coupon Information Acquisition Unit, 200 Data Memory Unit, 201 Search Processing Execution Unit, 300 Data Memory Unit, 301 Operation Reception Unit, 302 Display Control Unit, B10, B11, B13, B16 Button, DB1 Asset Management Database, DB2 Price Database, I14 Purchase Eligibility Information, I15 Purchase Timing Information, M12 Modal, M17 Message, SC1 Asset Management Screen.

Claims

1. A price information acquisition unit that acquires price information regarding the price of a product or service that a user wishes to purchase; A future prediction information acquisition unit that acquires future prediction information regarding a future prediction of the amount that the user can use for the purchase of the purchase target among the assets managed by an asset management service that manages the user's assets; A display control unit that causes the user terminal of the user to display purchasable time information regarding a purchasable time at which the purchase target can be purchased, based on the price information and the future prediction information; An asset management system including the above.

2. The asset management system further includes an available amount information acquisition unit that acquires available amount information regarding the amount that the user can use for the purchase of the purchase target among the assets; The future prediction information acquisition unit acquires the future prediction information based on the change in the available amount information in the past. The asset management system according to claim 1.

3. The future prediction information acquisition unit acquires the future prediction information based on the change in the available amount information in the most recent period in the past. The asset management system according to claim 2.

4. The future prediction information acquisition unit acquires the future prediction information according to the time in the future prediction. The asset management system according to any one of claims 1 to 3.

5. The asset management system further includes an asset increase information acquisition unit that acquires asset increase information regarding an increase in the assets input by the user; The future prediction information acquisition unit acquires the future prediction information based on the asset increase information. The asset management system according to any one of claims 1 to 3.

6. The asset management system further includes a user attribute information acquisition unit that acquires user attribute information regarding the attributes of the user; The future prediction information acquisition unit acquires the future prediction information based on the user attribute information. The asset management system according to any one of claims 1 to 3.

7. A purchasable time at which the purchase target can be purchased is defined for the purchase target; The display control unit controls the display on the user terminal based on the purchasable time indicated by the purchasable time information and the purchasable time defined for the purchase target. The asset management system according to any one of claims 1 to 3.

8. The asset management system further includes a coupon information acquisition unit that acquires coupon information regarding coupons available to the user for the purchase of the purchase target of interest. Based on the coupon information, the display control unit causes the user terminal to display the purchasable time information. The asset management system according to any one of claims 1 to 3.

9. The price information acquisition unit acquires the price information of each of the plurality of purchase targets of interest. Based on the price information of each of the plurality of purchase targets of interest and the future prediction information, the display control unit causes the user terminal to display the purchasable time information of each of the plurality of purchase targets of interest. The asset management system according to any one of claims 1 to 3.

10. The asset management system further includes a priority setting unit that sets a priority for at least one of the plurality of purchase targets of interest. Based on the priority of at least one of the plurality of purchase targets of interest, the display control unit causes the user terminal to display the purchasable time information of each of the plurality of purchase targets of interest. The asset management system according to claim 9.

11. The asset management system further includes a search process execution unit that executes a search process for searching for candidates for the purchase target of interest based on a wish input by the user. The price information acquisition unit acquires the price information of the purchase target of interest selected by the user from among the candidates. The asset management system according to any one of claims 1 to 3.

12. The asset management system includes a task management unit that manages the purchase of the purchase target of interest as a task of the user in the asset management service, and an achievement process execution unit that executes a task achievement process regarding the achievement of the task when the user achieves the task. The asset management system according to any one of claims 1 to 3 including the above.

13. A price information acquisition step of acquiring price information regarding the price of a purchase target of interest, which is a product or service that the user wishes to purchase, A future prediction information acquisition step of acquiring future prediction information regarding a future prediction of the amount available to the user for the purchase of the purchase target of interest among the assets managed by the asset management service that manages the user's assets. A display control step of causing a user terminal of the user to display purchasable time information regarding a purchasable time at which the purchase of the purchase target can be made, based on the price information and the future prediction information; An asset management method including the above.

14. A price information acquisition unit that acquires price information regarding the price of a purchase target, which is a product or service that the user wishes to purchase; A future prediction information acquisition unit that acquires future prediction information regarding a future prediction of the amount that can be used by the user for the purchase of the purchase target, among the assets managed by an asset management service that manages the assets of the user; A display control unit that causes a user terminal of the user to display purchasable time information regarding a purchasable time at which the purchase of the purchase target can be made, based on the price information and the future prediction information; A program for causing a computer to function as described above.

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