Program, information processing system, and information processing method

Abstract

To enable selection of advertisements suitable for users.SOLUTION: A program disclosed herein causes a computer to function as: an acquisition unit for acquiring financial information of a user; a sorting unit for sorting the financial information by item to generate portfolio information regarding a portfolio indicating a value or proportion of each asset owned by the user, and a selection unit for selecting an advertisement to be presented to the user on the basis of the portfolio information.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] 2. Description of the Related Art Conventionally, a system is known that selects an advertisement suitable for a user based on information about the user.

[0003] For example, the program described in Patent Document 1 causes a server to execute the following process: access advertising information and distribution conditions for the advertising information, access financial asset information associated with multiple individual users of an online service, determine whether the financial asset information satisfies the distribution conditions, and distribute the advertising information to individual users corresponding to the financial asset information that satisfies the distribution conditions. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Publication No. 2023-115355 Summary of the Invention [Problem to be solved by the invention]

[0005] However, the program described in Patent Document 1 is premised on determining whether or not the delivery conditions are met based on the balance information of the electronic money account held by the user.

[0006] Recently, users may hold a variety of assets, not limited to electronic money. Since the content of the assets held (e.g., the amount of assets, the type of assets) varies from user to user, advertisements suitable for a user may differ depending on the content of the assets held by the user. However, the program described in Patent Document 1 was unable to select advertisements taking into consideration the content of the assets held by the user.

[0007] Therefore, an object of the present invention is to select an advertisement suitable for a user. [Means for solving the problem]

[0008] A program according to one aspect of the present invention causes a computer to function as an acquisition unit that acquires a user's financial information, an organization unit that organizes the financial information by item and generates portfolio information regarding a portfolio that indicates the value or proportion of each asset held by the user, and a selection unit that selects advertisements to present to the user based on the portfolio information. [Effects of the Invention]

[0009] According to the present invention, an advertisement suitable for a user can be selected. [Brief explanation of the drawings]

[0010] [Figure 1] 1 is a diagram showing a configuration of an information processing system 100 according to an embodiment of the present invention. [Figure 2] 10 is a diagram showing an example of portfolio information stored in a storage unit 110. FIG. [Figure 3] 3 is a flowchart illustrating an example of processing in the information processing system 100. [Figure 4] 3 is a flowchart illustrating an example of processing in the information processing system 100. [Figure 5A] 1 is a sequence chart showing an example of processing in the information processing system 100. [Figure 5B] 2 is a sequence chart showing an example of processing in the information processing system 100. [Figure 6] FIG. 6 is a diagram illustrating an example of the hardware configuration of a computer 600. DETAILED DESCRIPTION OF THE INVENTION

[0011] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Preferred embodiments of the present invention will now be described with reference to the accompanying drawings, in which: Fig. 1 is a diagram showing the configuration of an information processing system 100 according to one embodiment of the present invention.

[0012] The information processing system 100 is an information processing system realized by an information processing program. The information processing system 100 selects advertisements to be presented to a user based on a portfolio that indicates the value or percentage of each asset held by the user, the portfolio being generated by organizing the user's financial information by item.

[0013] The information processing system 100 is communicably connected to a financial information management device 200, an advertisement management device 300, and a user device 400 via a network such as the Internet. Details of the information processing system 100 will be described later.

[0014] The financial information management device 200 is an information processing device that manages the user's financial information. The financial information management device 200 can output the user's financial information to the information processing system 100.

[0015] The financial information management device 200 may be, for example, an information processing device of an administrator (e.g., a bank or a funds transfer service provider) that manages accounts (e.g., bank accounts, electronic money accounts) held by users. In this case, the financial information includes, for example, information regarding at least one of deposits and withdrawals to and from the user's account.

[0016] Furthermore, the financial information management device 200 may be, for example, an information processing device of an administrator (e.g., a securities company) that manages assets (e.g., financial assets such as securities) held by a user. In this case, the financial information includes, for example, information about the assets held by the user.

[0017] Furthermore, the financial information management device 200 may be an information processing device of an administrator (e.g., a credit card company, a debit card company, or a funds transfer service provider) that manages payment methods (e.g., credit cards, debit cards, electronic money accounts) held by users. In this case, the financial information includes, for example, information regarding the payment history of the payment method.

[0018] The advertisement management device 300 is an information processing device that manages advertisements to be presented to users.

[0019] The advertisement management device 300 may output information about the advertisement itself to the information processing system 100, and the information processing system 100 may select an advertisement to be presented to the user and output the advertisement to the user device 400. Furthermore, the advertisement management device 300 may output the advertisement selected in the information processing system 100 to the user device 400 in response to an instruction received from the information processing system 100.

[0020] An entity requesting the provision of an advertisement (i.e., an advertiser) can set advertisement selection condition information and user selection condition information, which will be described later, in the information processing system 100. Details of the advertisement selection condition information and user selection condition information will be described later.

[0021] The user device 400 is an information processing device used by a user, such as a computer, a smartphone, a tablet terminal, or a personal computer.

[0022] A user can use the user device 400 to provide the information processing system 100 with account information for accessing financial information managed in the financial information management device 200 .

[0023] The user can use the user device 400 to receive from the information processing system 100 or the advertisement management device 300 an advertisement selected based on the user's financial information.

[0024] In this embodiment, providing the information processing system 100 with account information for accessing the financial information management device 200 is also referred to as "linking" with the financial information management device 200. Linking with the financial information management device 200 includes, for example, so-called account aggregation.

[0025] Also, in FIG. 1, one each of the financial information management device 200, advertisement management device 300, and user device 400 is shown, but there may be a plurality of each of the financial information management device 200, advertisement management device 300, and user device 400.

[0026] The financial information management device 200 may be different for each administrator who manages the user's accounts and financial assets. In this case, the user has transactions with each of the administrators of multiple financial information management devices 200 and holds multiple banks and multiple credit cards. In this case, the user can select the financial information management device 200 they want to link from the multiple financial information management devices 200 and link the selected financial information management device 200 to the information processing system 100. The user does not need to link all of the multiple financial information management devices 200 with which they do business.

[0027] Next, details of the information processing system 100 will be described. The information processing system 100 includes a storage unit 110, an acquisition unit 120, an organization unit 130, a determination unit 140, a selection unit 150, and an output unit 160. Each unit shown in Fig. 1 can be realized, for example, by using a storage area or by a processor executing a program stored in the storage area.

[0028] The storage unit 110 stores information processed in the information processing system 100. The storage unit 110 can store, for example, financial information, advertisement candidate information, portfolio information, fluctuation determination result information, estimation result information, advertisement selection condition information, and user selection condition information selected advertisement information, which will be described later.

[0029] Acquisition unit 120 acquires the user's financial information and stores the acquired user's financial information in storage unit 110.

[0030] The financial information includes, for example, at least one of information about assets held by the user and information about money used by the user. Information about assets held by the user includes, for example, information about assets (e.g., deposits, electronic money, securities) managed in accounts held by the user (e.g., bank accounts, electronic money accounts, securities accounts). Information about money used by the user includes, for example, information about deposits and withdrawals in accounts held by the user and information about payment history of payment methods used by the user (e.g., credit cards, debit cards, electronic money accounts). The financial information may include, for example, information about the asset value (e.g., acquisition price, appraised price) of assets held by the user, the name of the held asset, the acquisition date, and the sale date.

[0031] The acquisition unit 120 can acquire financial information from an external server, such as the financial information management apparatus 200. The acquisition unit 120 can acquire financial information from the financial information management apparatus 200, for example, using web scraping or an API (Application Program Interface). The acquisition unit 120 can acquire financial information from the financial information management apparatus 200, for example, based on account information acquired in advance for accessing financial information managed in the financial information management apparatus 200. Here, the account information may be, for example, user ID information for identifying the user and corresponding password information.

[0032] Furthermore, the acquisition unit 120 can acquire advertisement candidate information related to candidate advertisements to be presented to a user from the advertisement management device 300, and can store the acquired advertisement candidate information in the storage unit 110. The advertisement candidate information may be information indicating the advertisement itself, or may be information that enables the advertisement to be identified in the advertisement management device 300.

[0033] The organizing unit 130 organizes the financial information by item, generates portfolio information relating to the portfolio that indicates the value or ratio of each asset held by the user, and stores the generated portfolio information in the storage unit 110.

[0034] The asset items may be set in advance, and specifically may be, for example, "cash," "stocks," "real assets," etc. The organizing unit 130 organizes financial information into asset items such as deposits, stocks, and real assets, and calculates the value or ratio of each asset item, thereby generating portfolio information. Note that the specific method for generating portfolio information may be arbitrarily set by the administrator of the information processing system 100.

[0035] The portfolio information includes, for example, valuation information regarding the valuation amount for each asset item, and acquisition amount information regarding the acquisition amount for each asset.

[0036] The organizing unit 130 may also generate portfolio information at predetermined intervals (for example, daily or monthly), i.e., portfolio information over time, which allows the information processing system 100 to evaluate fluctuations in the portfolio of assets held by the user.

[0037] Furthermore, the organizing unit 130 can generate income information related to the user's income and expenditure information related to the user's expenditures based on the financial information. The organizing unit 130 may generate income information and expenditure information based on, for example, information related to the money used by the user that is included in the financial information. Furthermore, the organizing unit 130 may further generate expenditure destination information related to the user's expenditure destinations and expenditure scale information related to the amount or rate of the user's expenditures based on the financial information.

[0038] Furthermore, the organizing unit 130 can estimate user attributes based on financial information (e.g., income information, expenditure information), and store estimation result information related to the estimation result in the storage unit 110. Here, the estimated user attributes may be, for example, the user's age, occupation, and address. For example, the organizing unit 130 may estimate the user's age and occupation based on the user's income, or may estimate the user's address based on the user's expenditure information. Note that the user attributes that can be estimated are not limited to these, and any estimation algorithm may be used.

[0039] FIG. 2 is a diagram showing an example of portfolio information stored in the storage unit 110. The portfolio information stored in the storage unit 110 includes, for example, a portfolio ID, total asset amount information, and first item information. The portfolio ID is information that identifies the portfolio information stored in the storage unit 110. The total asset amount information is information related to the total amount of assets held by the user. The first item information is information related to an asset item (first item) organized by the organization unit 130. The first item information includes, for example, asset amount information related to the asset amount of assets belonging to the first item, and ratio information related to the ratio of the asset amount of assets belonging to the first item to the total asset amount.

[0040] The determination unit 140 determines the state of fluctuations in the portfolio information based on the portfolio information over time, and stores fluctuation determination result information relating to the determination result in the storage unit 110. For example, the determination unit 140 can determine that the user is increasing stock purchases when, based on the portfolio information over time, the proportion of stocks has increased (for example, compared to the proportion of stocks at the time the previous advertisement was selected, the time the previous portfolio information was generated, or a predetermined time point (for example, one month ago)). In this case, the determination unit 140 may determine that the user is increasing stock purchases when, for example, the rate of increase in stocks exceeds a predetermined percentage set as an advertisement selection condition described below.

[0041] The selection unit 150 selects an advertisement to be presented to the user based on the portfolio information, and stores selected advertisement information related to the selected advertisement in the storage unit 110. The selection unit 150 can select an advertisement to be presented to the user from, for example, advertisement candidate information.

[0042] For example, the selection unit 150 can select advertisements that satisfy the advertisement selection conditions indicated by the advertisement selection condition information stored in the storage unit 110, further based on the advertisement selection condition information.

[0043] Here, the advertisement selection condition indicated by the advertisement selection condition information may be, for example, a condition for selecting at least one advertisement from among a plurality of advertisements as an advertisement to be presented to a predetermined first user. In this case, the selection unit 150 can select, for each user, an advertisement to be presented to the user from the advertisement candidate information based on the advertisement selection condition information.

[0044] In this case, the advertisement selection conditions include, for example, conditions related to the portfolio held by the user. That is, the selection unit 150 can select, from the advertisement candidate information, advertisements to be presented to a user who holds a portfolio that satisfies the advertisement selection conditions.

[0045] The advertisement selection condition may be, for example, a condition that specifies an asset amount or asset ratio corresponding to each asset item (e.g., "stocks"). That is, when the asset amount or asset ratio of a predetermined asset item held by the user in each of the multiple advertisement candidates corresponds to the asset amount or asset ratio indicated by the advertisement selection condition of each of the multiple advertisement candidates (e.g., matches or is included in the range of the condition), the selection unit 150 selects the advertisement as an advertisement to be presented to the user.

[0046] Based on the portfolio information, the selection unit 150 may select an advertisement for the wealthy (e.g., an advertisement for a luxury brand) if the user's asset amount (e.g., the total asset amount indicated by the total asset amount information or the asset amount of the assets belonging to the first item indicated by the asset amount information included in the first item information) is equal to or greater than a predetermined amount set as an advertisement selection condition, or may select an advertisement for the general public (e.g., an advertisement for daily necessities) if the user's asset amount is equal to or less than the predetermined amount set as an advertisement selection condition. Here, the asset amount may be, for example, an amount based on the valuation information included in the financial information. This allows the information processing system 100 to select an advertisement suitable for the user based on the size of the user's total assets or the size of assets by item.

[0047] Furthermore, based on the portfolio information, for example, if the proportion of stocks among the assets held by the user is higher than a predetermined proportion set as an advertisement selection condition, the selection unit 150 may determine that the user's risk tolerance is high and select an advertisement that encourages the purchase of stocks, or may determine that the user's portfolio needs to be improved and select an advertisement that encourages the purchase of assets other than stocks (for example, bonds). This allows the information processing system 100 to select an advertisement that is suitable for the user based on the proportion of each item of assets held by the user.

[0048] The selection unit 150 may also select an advertisement based on the asset amount and ratio of the user, thereby enabling the information processing system 100 to select an advertisement suitable for the user.

[0049] Furthermore, the selection unit 150 can select advertisements based on portfolio information over time, i.e., fluctuations in portfolio information. In this case, for example, if the fluctuation determination result information indicates that the user is increasing their stock purchases, the selection unit 150 may determine that the user is interested in stocks and select an advertisement that encourages the user to purchase stocks. This allows the information processing system 100 to select advertisements appropriate for the user based on the fluctuations in the portfolio. Note that the fluctuations in the portfolio may be fluctuations starting from a predetermined time point in the past (e.g., fluctuations from a predetermined time point in the past up to the present) or fluctuations ending at a future time point (e.g., estimated fluctuations from the present up to the future).

[0050] Furthermore, the selection unit 150 can select advertisements based on portfolio information (e.g., current portfolio information) as well as portfolio information over time. In this case, the selection unit 150 can select advertisements targeting, for example, wealthy users who have significantly increased their assets (e.g., increased assets compared to the amount of assets at the time the previous advertisement was selected, the time the previous portfolio information was generated, or a predetermined time point (e.g., one month ago)). The selection unit 150 can also select advertisements targeting users who have rapidly increased their cash ratio (e.g., at a predetermined rate) (e.g., rapidly increased cash ratio compared to the amount of cash at the time the previous advertisement was selected, the time the previous portfolio information was generated, or a predetermined time point (e.g., one month ago)). This allows the information processing system 100 to select advertisements suitable for users based on, for example, the current portfolio and changes in the portfolio.

[0051] Furthermore, the selection unit 150 can select advertisements based on at least one of income information, expenditure information, and expenditure scale information in addition to the portfolio information. In this case, for example, the selection unit 150 may select an advertisement for the wealthy (e.g., an advertisement for a luxury brand) when the user's income or expenditure is equal to or greater than a predetermined amount set as the advertisement selection condition, or may select an advertisement for the general public (e.g., an advertisement for daily necessities) when the user's income or expenditure is equal to or less than the predetermined amount set as the advertisement selection condition. This allows the information processing system 100 to select advertisements suitable for the user based on at least one of income information, expenditure information, and expenditure scale information in addition to the portfolio information.

[0052] Furthermore, the selection unit 150 can refer to the valuation information and acquisition amount information for each asset item included in the portfolio information in addition to the portfolio information, and select an advertisement based on the relationship between the valuation amount and the acquisition amount. In this case, for example, if the valuation amount exceeds the acquisition amount by a predetermined amount set as an advertisement selection condition, the selection unit 150 may select an advertisement encouraging the purchase of a product, or, for example, if the valuation amount is lower than the acquisition amount by a predetermined amount set as an advertisement selection condition, the selection unit 150 may select an advertisement related to an article describing ways to save money. This allows the information processing system 100 to select an advertisement suitable for the user based on the relationship between the valuation amount and the acquisition amount in addition to the portfolio information.

[0053] Furthermore, the selection unit 150 can select an advertisement based on the estimation result information in addition to the portfolio information. In this case, the selection unit 150 may select an advertisement suitable for the user's age, occupation, or address, for example, based on the estimated user's age, occupation, or address, if the estimated user's age, occupation, or address corresponds to the user's age, occupation, or address set as the advertisement selection condition. This allows the information processing system 100 to select an advertisement suitable for the user based on the estimated user's attributes in addition to the portfolio information.

[0054] The information that the selection unit 150 refers to in the advertisement selection process (that is, for example, portfolio information, income information, expenditure information, expenditure scale information, estimation result information, etc.) can be combined arbitrarily as appropriate.

[0055] When the advertisement candidate information is information indicating the advertisement itself, the selected advertisement information generated by the selection unit 150 may be information related to the advertisement itself. When the advertisement candidate information is information that can identify an advertisement in the advertisement management device 300, the selected advertisement information generated by the selection unit 150 may be information that can identify an advertisement in the advertisement management device 300.

[0056] Furthermore, the selection unit 150 may select at least one user to whom a predetermined advertisement should be presented from among a plurality of users, based on the portfolio information.

[0057] At this time, the selection unit 150 can select a user who satisfies the user selection condition indicated by the user selection condition information stored in the storage unit 110, further based on the user selection condition indicated by the user selection condition information. At this time, the user selection condition includes a condition for selecting at least one user to whom a predetermined first advertisement is to be presented from among a plurality of users (e.g., all users using the information processing system 100). In this case, the selection unit 150 selects, for each advertisement included in the advertisement candidate information, at least one user to whom the advertisement should be presented, based on the user selection condition information, for example.

[0058] Note that the algorithm used by the selection unit 150 to select at least one user to whom a predetermined advertisement should be presented from among a plurality of users may be the same as the algorithm used to select an advertisement to be presented to a user from a plurality of pieces of advertisement candidate information. That is, the "advertisement selection conditions" or "advertisement selection condition information" in this embodiment can be appropriately read as "user selection conditions" or "user selection condition information." Specifically, the selection unit 150 can select at least one user to whom a predetermined advertisement should be presented from among a plurality of users based on, for example, portfolio information, based on chronological portfolio information, based on at least one of income information, expenditure information, and expenditure scale information in addition to portfolio information, based on the relationship between the assessed amount and the acquisition amount in addition to portfolio information, or based on estimation result information in addition to portfolio information.

[0059] The advertisement selection condition information and the user selection condition information can be set in advance, for example, directly or indirectly by a business entity requesting the provision of an advertisement (i.e., an advertiser) in the information processing system 100. The advertiser may, for example, directly access the information processing system 100 and set the advertisement selection condition information and the user selection condition information, or may, for example, instruct an administrator of the information processing system 100 to set the advertisement selection condition information and the user selection condition information indirectly.

[0060] When setting the advertisement selection condition information and the user selection condition information, the information processing system 100 may estimate the scale of advertisements provided through each selection condition (i.e., for example, the number of times an advertisement is selected based on the advertisement selection condition information and the number of users selected for each advertisement based on the user selection condition information), and output the estimated results to, for example, the advertiser's information processing system.

[0061] The scale of advertisement provision may be estimated based on the usage of the information processing system 100 at a predetermined point in the past or at the time of the estimation, or may be estimated based on the estimated usage of the information processing system 100 in the future. The estimation result may be a result that includes a predetermined range of values ​​(for example, "1,000 to 2,000 people"). The method of estimation may be selectable by the advertiser, for example.

[0062] Both the advertisement selection condition information and the user selection condition information may be set, or only one of them may be set.

[0063] The output unit 160 outputs the selected advertisement information generated by the selection unit 150.

[0064] When the selected advertisement information is information indicating the advertisement itself, the output unit 160 may, for example, output the selected advertisement information to the user device 400. This allows the information processing system 100 to directly present the selected advertisement to the user.

[0065] When the selected advertisement information is information that can identify an advertisement in the advertisement management device 300, the output unit 160 may, for example, output the selected advertisement information to the advertisement management device 300. In this case, the advertisement management device 300 can identify the selected advertisement based on the selected advertisement information and output the selected advertisement to the user device 400. This allows the information processing system 100 to present an advertisement to the user in cooperation with the advertisement management device 300.

[0066] FIG. 3 is a flowchart showing an example of processing in the information processing system 100.

[0067] First, the acquisition unit 120 acquires financial information (S301). The organization unit 130 organizes the financial information by item to generate portfolio information (S302). Then, the selection unit 150 selects advertisements to present to the user based on the portfolio information (S303).

[0068] FIG. 4 is a flowchart showing an example of processing in the information processing system 100.

[0069] First, the acquisition unit 120 acquires financial information (S401). The organization unit 130 organizes the financial information by item to generate portfolio information. At this time, the organization unit 130 generates portfolio information including at least one of valuation amount information, acquisition amount information, and chronological portfolio information (S402a). The organization unit 130 may further generate at least one of income information, expenditure information, expenditure destination information, expenditure scale information, and estimation result information based on the financial information (S402b). Then, the selection unit 150 selects advertisements to present to the user based on the information generated by the organization unit 130 (S403).

[0070] 5A and 5B are sequence charts showing an example of processing in the information processing system 100. In FIG.

[0071] 5A shows a process in which the information processing system 100 directly presents an advertisement to the user device 400. The selection unit 150 selects an advertisement to be presented to the user based on the portfolio information (S501a). The output unit 160 outputs the selected advertisement information to the user device 400 and presents the advertisement based on the selected advertisement information (S502a).

[0072] 5B shows a process when the information processing system 100 presents an advertisement directly to the user device 400 via the advertisement management device 300. The selection unit 150 selects an advertisement to be presented to the user based on the portfolio information (S501b). The output unit 160 outputs the selected advertisement information to the advertisement management device 300 (S502b). The advertisement management device 300 presents the advertisement based on the selected advertisement information (S503).

[0073] Next, an example of a hardware configuration in which the information processing system 100 is realized by a computer 600 will be described with reference to Fig. 6. Fig. 6 is a diagram showing an example of a hardware configuration of the computer 600.

[0074] 6, the computer 600 includes, for example, a processor 601, a memory 602, a storage device 603, a communication I / F unit 604, an input device 605, and an output device 606. Each unit of the information processing system 100 shown in FIG. 1 may be configured such that, for example, the processor 601 executes a program stored in the storage device 603 using the memory 602 based on predetermined information stored in the storage device 603. Each unit of the information processing system 100 can accept input of information from another information processing system or a user, for example, through communication via the communication I / F unit 604 or input via the input device 605 (e.g., operation of a keyboard or terminal), and output information for another information processing system or a user through communication via the communication I / F unit 604 or output (e.g., display) via the output device 606.

[0075] Furthermore, the financial information management device 200, the advertisement management device 300, and the user device 400 may each be a computer having a hardware configuration similar to that of the computer 600. That is, the financial information management device 200, the advertisement management device 300, and the user device 400 may each include, for example, a processor, a memory, a storage device, a communication I / F unit, an input device, and an output device.

[0076] The above describes one embodiment of the present invention. The information processing system 100 acquires financial information, organizes the financial information by category to generate portfolio information, and can select advertisements to present to a user based on the portfolio information. This allows the information processing system 100 to select advertisements that are appropriate for the user.

[0077] Furthermore, the information processing system 100 can acquire financial information from a server of an external institution and organize the financial information by preset items. This allows the information processing system 100 to perform advertisement selection processing based on portfolio information through so-called account aggregation processing.

[0078] Furthermore, the information processing system 100 can select an advertisement based on changes in portfolio information, thereby enabling the information processing system 100 to select an advertisement suitable for the user, further taking into consideration changes in the portfolio over time.

[0079] Furthermore, the information processing system 100 can generate at least one of income information and expenditure information from the financial information and select advertisements based on at least one of the income information and expenditure information in addition to the portfolio information, thereby enabling the information processing system 100 to select advertisements suitable for the user, further taking into consideration the user's income and expenditure.

[0080] Furthermore, the information processing system 100 can select advertisements based on portfolio information including valuation information. Furthermore, the information processing system 100 can select advertisements based on the relationship between the valuation and the acquisition price. This allows the information processing system 100 to select advertisements that are suitable for the user depending on the value of the assets and the user's investment performance.

[0081] Furthermore, the information processing system 100 generates at least one of income information, expenditure information, expenditure destination information, and expenditure scale information from the financial information, and can select an advertisement based on at least one of the income information, expenditure information, expenditure destination information, and expenditure scale information in addition to the portfolio information. This allows the information processing system 100 to select an advertisement suitable for the user by further considering the user's income, expenditure, expenditure destination, or expenditure scale.

[0082] It should be noted that the present embodiment is provided to facilitate understanding of the present invention and is not intended to limit the present invention. The present invention may be modified or improved without departing from the spirit thereof, and equivalents thereof are also included in the present invention.

[0083] In addition, in the present invention, a "unit" does not simply mean a physical means, but also includes cases where the functions of the "unit" are realized by software. Furthermore, the functions of one "unit" or device may be realized by two or more physical means, devices, or software, and the functions of two or more "units" or devices may be realized by one physical means, device, or software. [Explanation of symbols]

[0084] 100 Information processing system, 110 Storage unit, 120 Acquisition unit, 130 Organization unit, 140 Determination unit, 150 Selection unit, 160 Output unit, 200 Financial information management device, 300 Advertising management device, 400 User device

Claims

1. Computer, an acquisition unit that acquires financial information of a user; an organizing unit that organizes the financial information by item and generates portfolio information regarding a portfolio that indicates the value or ratio of each asset held by the user; a selection unit that selects an advertisement to be presented to the user based on the portfolio information; A program that functions as a

2. The acquisition unit acquires the financial information from a server of an external institution; the organizing unit organizes the financial information into predetermined categories; The program according to claim 1.

3. The program according to claim 1 , wherein the selection unit selects the advertisement based on a change in the portfolio information.

4. The organizing unit generates at least one of income information relating to the user's income and expenditure information relating to the user's expenditure from the financial information, the selection unit selects the advertisement based on at least one of the income information and the expenditure information in addition to the portfolio information. The program according to claim 1 or 2.

5. The program according to claim 1 , wherein the portfolio information includes valuation information regarding the valuation of each asset.

6. The portfolio information further includes acquisition amount information regarding an acquisition amount for each asset; the selection unit selects the advertisement based on a relationship between the evaluation amount and the acquisition amount. The program according to claim 5.

7. The organizing unit generates expenditure information regarding expenditures of the user from the financial information, the selection unit selects the advertisement based on the expenditure destination information in addition to the portfolio information. The program according to claim 1 or 2.

8. The organizing unit generates expenditure size information relating to the amount or rate of expenditure of the user from the financial information, the selection unit selects the advertisement based on the expenditure scale information in addition to the portfolio information. The program according to claim 1 or 2.

9. The organizing unit generates income information regarding the income of the user from the financial information; the selection unit selects the advertisement based on the occupation of the user estimated from the income information in addition to the portfolio information. The program according to claim 1 or 2.

10. an acquisition unit that acquires financial information of a user; an organizing unit that organizes the financial information by item and generates portfolio information regarding a portfolio that indicates the value or ratio of each asset held by the user; a selection unit that selects an advertisement to be presented to the user based on the portfolio information; An information processing system comprising:

11. The computer Obtaining financial information of a user; Organizing the financial information by category and generating portfolio information relating to a portfolio that indicates the value or percentage of each asset held by the user; selecting an advertisement to present to the user based on the portfolio information; An information processing method that performs the above.

Images