Information processing device, information processing method, and program

Abstract

This invention provides an information processing device, an information processing method, and a program that can perform useful life plan simulations. [Solution] An information processing device 2 according to one aspect of the present disclosure comprises: an income and expenditure acquisition unit 100a that acquires income and expenditure information relating to the income and expenditure of a household, wherein the income and expenditure information includes information relating to a first amount to be allocated to a first asset and information relating to a second amount to be allocated to a second asset from the difference between the household's income and expenditure; an event acquisition unit 100b that acquires event information relating to events that may occur at least part of the lifetime of a person relating to the household; a generation unit 102 that generates asset information relating to the household's assets based on the income and expenditure information and the event information, wherein the asset information includes information relating to a first asset and information relating to a second asset; and a first transmission unit 108a that transmits information for displaying the asset information on a terminal device 3.

Description

Technical Field

[0001] This disclosure relates to an information processing apparatus, an information processing method, and a program.

Background Art

[0002] Conventionally, techniques for simulating life plans have been known. For example, Patent Document 1 discloses a technique for proposing financial products and / or systems that match a life plan to a user.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, the technique disclosed in Patent Document 1 cannot execute a sufficiently useful life plan simulation. Specifically, there is room for consideration regarding taking into account the household income and expenditure and assets.

[0005] This disclosure provides an information processing apparatus, an information processing method, and a program capable of executing a useful life plan simulation.

Means for Solving the Problems

[0006] An information processing device according to one aspect of this disclosure comprises: an income and expenditure acquisition unit that acquires income and expenditure information relating to the income and expenditure of a household, wherein the income and expenditure information includes information relating to a first amount to be allocated to a first asset and information relating to a second amount to be allocated to a second asset from the difference between the household's income and expenditures; an event acquisition unit that acquires event information relating to events that may occur at least part of the lifetime of a person relating to the household; a generation unit that generates asset information relating to the household's assets based on the income and expenditure information and the event information, wherein the asset information includes information relating to a first asset and information relating to a second asset; and a first transmission unit that transmits information for displaying the asset information on a terminal device.

[0007] Another aspect of the information processing method relating to the present disclosure includes a computer acquiring income and expenditure information relating to the income and expenditure of a household, wherein the income and expenditure information includes information relating to a first amount to be allocated to a first asset and information relating to a second amount to be allocated to a second asset from the difference between the household's income and expenditures; acquiring event information relating to events that may occur at least part of the lifetime of a given person belonging to the household; generating asset information relating to the household's assets based on the income and expenditure information and the event information, wherein the asset information includes information relating to a first asset and information relating to a second asset; and transmitting information for displaying the asset information on a terminal device.

[0008] A program relating to another aspect of this disclosure causes a computer to perform the following actions: acquire income and expenditure information relating to a household, wherein the income and expenditure information includes information relating to a first amount to be allocated to a first asset and information relating to a second amount to be allocated to a second asset from the difference between the household's income and expenditures; acquire event information relating to events that may occur at least part of the lifetime of a given person belonging to the household; generate asset information relating to the household's assets based on the income and expenditure information and the event information, wherein the asset information includes information relating to a first asset and information relating to a second asset; and display the asset information on a terminal device. [Effects of the Invention]

[0009] According to this disclosure, it is possible to provide an information processing device, an information processing method, and a program that can perform useful life plan simulations. [Brief explanation of the drawing]

[0010] [Figure 1] This is a diagram illustrating the overview of System 1 according to this embodiment. [Figure 2] This diagram illustrates an example of the functional configuration of System 1 according to this embodiment. [Figure 3] This figure illustrates an example of the operation of System 1 according to this embodiment. [Figure 4] This figure illustrates an example of the operation of System 1 according to this embodiment. [Figure 5] This figure illustrates an example of the display screen of the terminal device 3 according to this embodiment. [Figure 6] This figure illustrates an example of the display screen of the terminal device 3 according to this embodiment. [Figure 7] This figure illustrates an example of the display screen of the terminal device 3 according to this embodiment. [Figure 8] This figure illustrates an example of the display screen of the terminal device 3 according to this embodiment. [Figure 9] This figure illustrates an example of the display screen of the terminal device 3 according to this embodiment. [Figure 10] This diagram illustrates an example of the hardware configuration of each device in System 1 according to this embodiment. [Modes for carrying out the invention]

[0011] <1. Overview> Referring to Figure 1, an overview of the operation of System 1 (hereinafter simply referred to as "System 1") according to this embodiment will be described. System 1 includes an information processing device 2 and a terminal device 3. The terminal device 3 is a device used by the subject of the life plan simulation (hereinafter simply referred to as "the subject"). The information processing device 2 can acquire income and expenditure information regarding the income and expenditure of the household to which the subject belongs, and event information regarding events that may occur in the lifetime of the people in the household.

[0012] The income and expenditure information includes information on income and expenditures for each year (in Figure 1, each year from year n to year n+2). The income and expenditure information may also include information on the first amount (65% of the income and expenditure in Figure 1) allocated to the first asset (in Figure 1, investment trusts) and information on the second amount (35% of the income and expenditure in Figure 1) allocated to the second asset (in Figure 1, savings).

[0013] Event information includes events that may occur each year, and information regarding income and / or expenses resulting from those events. An example of an event is "First child goes to university" in Figure 1, and expenses resulting from this event may include, for example, university entrance fees, university tuition, and moving expenses to a new place to live. Another example of an event is "Mortgage paid off" in Figure 1, and simulations can be performed assuming that there are no mortgage payments after this event.

[0014] The income and expenditure information and event information are input in the terminal device 3, and the information processing device 2 can acquire these information from the terminal device 3.

[0015] Based on the income and expenditure information and event information, the information processing device 2 generates asset information. An example of the asset information is the result of an asset simulation. The asset information includes information about the first asset (for example, the transition of the evaluation amount of an investment trust) and information about the second asset (for example, the transition of a savings deposit).

[0016] The information processing device 2 can transmit the generated asset information to the terminal device 3. The terminal device 3 can display the received asset information.

[0017] According to the system 1, it is possible to execute a life plan simulation when distributing the balance of income and expenditure to assets. As a result, the subject can more specifically imagine his or her own life plan.

[0018] <2. Functional configuration> Referring to FIG. 2, the functional configuration of the system 1 of the present embodiment will be described. The system 1 includes an information processing device 2, a terminal device 3, and a communication network 4. The information processing device 2 and the terminal device 3 are configured to be communicable via the communication network 4.

[0019] [Terminal device 3] The terminal device 3 is a communication device used by the subject. The terminal device 3 is, for example, a smartphone, a personal computer, a tablet terminal, a wearable terminal, or the like. The terminal device 3 includes an input interface, an output interface, and a communication interface.

[0020] The input interface is an interface for the terminal device 3 to receive input from the user. The input interface may be a touch panel, a microphone, a camera, a keyboard, a mouse, or the like.

[0021] The output interface is an interface for transmitting information to the user through images, sound, etc. The output interface includes a display (which may also function as a touch panel) and speakers.

[0022] The communication interface is an interface for enabling communication with other devices via the communication network 4. The communication interface may be a wireless communication interface or a wired communication interface.

[0023] Terminal device 3 may access services provided by information processing device 2, for example, via a web browser, or it may access such services by installing dedicated software.

[0024] [Information Processing Device 2] The information processing device 2 performs various processes to display the results of the life plan simulation on the terminal device 3. In one embodiment, the information processing device 2 is a server device when the terminal device 3 is a client device. In one embodiment, the information processing device 2 is a cloud server device. The information processing device 2 may be a device that includes, for example, one or more virtual or physical web server devices and one or more virtual or physical database server devices.

[0025] The information processing device 2 comprises a control unit 10, a storage unit 12, a network interface unit 14, and a bus 16. The control unit 10, the storage unit 12, and the network interface unit 14 are electrically connected via the bus 16.

[0026] (Control Unit 10) The control unit 10 can function as an acquisition unit 100, a generation unit 102, a reception unit 104, an update unit 106, and a transmission unit 108 by executing various programs stored in the storage unit 12, which will be described later. The acquisition unit 100 acquires various information. The acquisition unit 100 includes a balance acquisition unit 100a and an event acquisition unit 100b. The balance acquisition unit 100a acquires balance information. The event acquisition unit 100b acquires event information. The generation unit 102 generates asset information. The reception unit 104 receives various operations performed on the terminal device 3. The reception unit 104 includes a change reception unit 104a and an interest rate reception unit 104b. The change reception unit 104a receives operations related to changes in various information. The interest rate reception unit 104b receives operations related to setting the interest rate of assets. The update unit 106 updates the asset information. The transmission unit 108 transmits the asset information to the terminal device 3. The transmission unit 108 includes a first transmission unit 108a and a second transmission unit 108b. The first transmission unit 108a transmits the asset information before it is updated by the update unit 106 to the terminal device 3. The second transmission unit 108b transmits the asset information after it is updated by the update unit 106 to the terminal device 3. An example of the operation of the information processing device 2 based on these configurations will be described below.

[0027] —Basic configuration of information processing device 2— The income and expenditure acquisition unit 100a acquires income and expenditure information relating to the household's income and expenditure. In one embodiment, the income and expenditure information includes information on a first amount to be allocated to a first asset from the difference between the household's income and expenditure (i.e., the income and expenditure difference), and information on a second amount to be allocated to a second asset from the income and expenditure difference. The information on the first amount to be allocated to the first asset from the income and expenditure difference, and the information on the second amount to be allocated to the second asset from the income and expenditure difference, can also be referred to as "allocation information".

[0028] In one embodiment, the income and expenditure information includes information about the household's income. This information may include, for example, information about the subject's occupation, annual income, bonuses, pensions, and real estate income. The information may also include information about the household's past income, current income, and projected future income.

[0029] In one embodiment, the income and expenditure information includes information about household expenditures. This information may include information about living expenses, housing expenses, pension contributions, medical insurance contributions, life insurance contributions, etc. This information may also include information about past household expenditures, current household expenditures, and future expenditures planned by the household.

[0030] In one embodiment, the first asset and / or the second asset (hereinafter, when the first asset and the second asset are not specifically distinguished, or when they are referred to collectively, they are referred to as "assets") include financial assets. Financial assets include, for example, deposits, investment trusts, stocks, and bonds. In one embodiment, the assets include assets other than financial assets. Assets other than financial assets may include, for example, real estate and company stock.

[0031] In one embodiment, the amount allocated to assets from the surplus may be specified relative to the surplus (for example, "50% of the surplus"), or it may be specified by a specific numerical value (for example, "100,000 yen"). The sum of the first amount allocated to the first asset and the second amount allocated to the second asset may or may not match the surplus.

[0032] In one embodiment, the income and expenditure information includes information on the household's income and expenditure for each year from year 1 to year N. In this embodiment, "N" is a natural number corresponding to the length of the period to be simulated.

[0033] The event acquisition unit 100b acquires event information relating to events that may occur at least part of a person's life in relation to a household.

[0034] In one embodiment, the person relating to the household may be a person belonging to the household (e.g., the subject, the subject's spouse, and children, etc.), or a person related to a person belonging to the household (e.g., the subject's relatives, the spouse's relatives, and the children's relatives, etc.).

[0035] In one embodiment, an event may be a milestone in the life of a person relating to the household. An event may be one that is specifically planned to occur in the future, one that may occur in the future (regardless of whether it is specifically planned or not), or one that has occurred in the past. An event may involve income and / or expenses, or changes thereof. An event may be, for example, a person relating to the household entering higher education, starting a job, getting married, taking parental leave or maternity leave, purchasing a house or car, repairing a house, ending employment (including retirement), starting to receive a pension, illness, inheritance, and death. An event may also be called a life event.

[0036] In one embodiment, event information includes information indicating who the event relates to. In one embodiment, event information includes information about when the event occurs. In one embodiment, event information includes information about income and / or expenses related to the event. For example, if there is event information that states, "In 25 years, the first child is scheduled to get married. At that time, 2.5 million yen will be spent on wedding expenses," then "first child" is an example of information indicating who the event relates to, "25 years later" is an example of information about when the event occurs, and "2.5 million yen" is an example of information about income and / or expenses related to the event.

[0037] The generation unit 102 generates asset information about the household's assets based on income and expenditure information and event information. The asset information includes information about the first asset and information about the second asset.

[0038] In one embodiment, the asset information may include information about the household's assets for each year from year 1 to year N. For example, the generation unit 102 may generate information about the household's assets for year n (where n is a natural number greater than 1 and less than or equal to N) based on information about the household's assets for year n-1, information about the household's income and expenses for year n-1 (an example of income and expense information), and information about expenditures due to events occurring in year n-1 (an example of event information). That is, the assets for a given year may be estimated based on the assets, income and expenses, and events of the previous year.

[0039] The first transmission unit 108a transmits information for displaying asset information on a terminal device. In this embodiment, "transmitting information for displaying asset information on a terminal device" is also referred to as "transmitting asset information to a terminal device." That is, "information for displaying asset information on a terminal device" may be one form of asset information.

[0040] —Other components of the information processing device 2— [Configuration Example 1] In one embodiment, the change reception unit 104a receives an operation related to changing the income and expenditure information (hereinafter referred to as "change operation"). In one embodiment, the update unit 106 updates the asset information based on the income and expenditure information changed by the change operation received by the change reception unit 104a. In one embodiment, the second transmission unit 108b transmits information for displaying the asset information updated by the update unit 106 on the terminal device 3.

[0041] In one embodiment, the change operations accepted by the change reception unit 104a include operations that change information regarding household income and / or expenditures. An example of an operation that changes information regarding household income and / or expenditures is to change the income and expenditure information, which was initially set to "annual income in 10 years will be 6 million yen," to "annual income in 10 years will be 5.5 million yen."

[0042] In one embodiment, the change operations accepted by the change reception unit 104a include operations to change the allocation information (i.e., information regarding the first amount to be allocated to the first asset from the surplus, and information regarding the second amount to be allocated to the second asset from the surplus). An example of an operation to change the allocation information is to change the allocation information, which was initially set to "allocate 25% of the surplus to investment trusts and 75% to deposits and savings," to "allocate 45% of the surplus to stocks and 55% to deposits and savings."

[0043] In one embodiment, the update unit 106 may generate new asset information based on the income and expenditure information modified by the change operation received by the change reception unit 104a, and may modify at least a portion of the asset information.

[0044] This configuration allows users to run life plan simulations under various conditions and view the results.

[0045] [Configuration Example 2] In one embodiment, a household includes a first subject and a second subject. In one embodiment, the income and expenditure information includes information regarding settings that associate a first asset with the first subject or the second subject, and information regarding settings that associate a second asset with the first subject or the second subject. In one embodiment, the asset information includes information regarding a first asset associated with at least one of the first subject and the second subject, and information regarding a second asset associated with at least one of the first subject and the second subject. In this case, both the first and second assets may be financial assets other than savings deposits.

[0046] In one example, the income and expenditure information includes information on settings where 55% of the income and expenditure difference is allocated to investment trusts (an example of a first asset, which is a financial asset other than savings deposits), and this is associated with the target individual (an example of a first target individual), and 45% of the income and expenditure difference is allocated to stocks (an example of a second asset, which is a financial asset other than savings deposits), and this is associated with the target individual's spouse (an example of a second target individual). In this case, the asset information includes information on investment trusts associated with the target individual (an example of information on a first asset associated with a first target individual) and information on stocks associated with the target individual's spouse (an example of information on a second asset associated with a second target individual).

[0047] This configuration allows assets to be linked to each individual belonging to a household, making it possible to simulate who owns how much in assets. This, for example, allows for the accurate presentation of asset movements to individuals during inheritance proceedings.

[0048] [Configuration Example 3] In one embodiment, the income and expenditure information includes information regarding settings that associate a first asset with a subject and information regarding settings that associate a second asset with a household. In another embodiment, the asset information includes information regarding a first asset associated with a subject and information regarding a second asset associated with a household. In this case, the first asset may be a financial asset other than savings deposits, and the second asset may be savings deposits.

[0049] In one example, the income and expenditure information includes information on the settings to associate an investment trust (an example of a first asset, which is a financial asset other than deposits) to which 55% of the income and expenditure difference is allocated, with the target person (an example of a target person), and deposits (an example of a second asset) to which 45% of the income and expenditure difference is allocated, with the household to which the target person belongs. In this case, the asset information includes information on the investment trust associated with the target person (an example of information on a first asset associated with the target person) and information on deposits associated with the household to which the target person belongs (an example of information on a second asset associated with the household).

[0050] With this configuration, assets are associated with specific individuals belonging to a household, as well as with the household itself. This allows for the simulation of the assets that a specific individual will own and the assets that the household will own.

[0051] [Configuration Example 4] In one embodiment, the event information includes information about the period during which the subject is expected to be alive. The generation unit 102 generates asset information by assuming that, during the period during which the subject is expected to be alive, a first amount will be allocated to a first asset associated with the subject, and a second amount will be allocated to a second asset associated with the household, and after the period during which the subject is expected to be alive has elapsed, both the first and second amounts will be allocated to the second asset associated with the household.

[0052] Figure 3 is a conceptual diagram of how the generation unit 102 generates asset information. The subject is assumed to reach the expected life expectancy in year n. First, for the period from year n-2 to year n (an example of the period during which the subject is expected to be alive), the generation unit 102 assumes that 65% of the income and expenditure difference is allocated to the subject's investment trust (an example of assuming that the first amount is allocated to the first asset associated with the subject) and 35% of the income and expenditure difference is allocated to the household's savings (an example of assuming that the second amount is allocated to the second asset associated with the household), and generates a portion of the asset information. Next, for the period from year n+1 to year n+3 (an example of the period after which the subject is expected to be alive), the generation unit 102 assumes that 100% of the income and expenditure difference is allocated to savings (an example of assuming that the first and second amounts are allocated to the second asset associated with the household), and generates the remaining portion of the asset information.

[0053] This configuration allows for more accurate simulations of life plans, such as those of a spouse, after the subject is no longer alive.

[0054] [Configuration Example 5] Returning to Figure 2, in one embodiment, the interest rate receiving unit 104b receives operations related to setting the first interest rate for the first asset and operations related to setting the second interest rate for the second asset. The generation unit 102 generates asset information assuming that the first asset increases or decreases based on the first interest rate and the second asset increases or decreases based on the second interest rate. With this configuration, it becomes possible to perform a life plan simulation that reflects the increase or decrease of each asset.

[0055] In one embodiment, the interest rate receiving unit 104b receives an operation related to setting a predetermined interest rate common to the first and second assets. The generation unit 102 generates asset information assuming that both the first and second assets increase or decrease based on the predetermined interest rate. With this configuration, the user does not need to set the interest rate for each asset. This makes it easier for the user to perform life plan simulations.

[0056] In one embodiment, the interest rate receiving unit 104b receives operations relating to setting a first interest rate for the first asset, operations relating to setting a second interest rate for the second asset, and operations relating to setting a predetermined interest rate common to the first and second assets. The generation unit 102 generates asset information based on the operations performed by the user, based on either (1) the first asset increases or decreases based on the first interest rate and the second asset increases or decreases based on the second interest rate, or (2) both the first and second assets increase or decrease based on a predetermined interest rate. In other words, the user may choose to run the simulation by applying individual interest rates to each asset, or by applying a uniform interest rate to each asset.

[0057] (Storage unit 12) The storage unit 12 stores various information necessary for the operation of the information processing device 2. In one embodiment, the storage unit 12 stores the program to be executed by the control unit 10. In one embodiment, the storage unit 12 stores income and expenditure information, event information, etc.

[0058] (Network interface section 14) The network interface unit 14 enables communication with other devices via the communication network 4.

[0059] In this disclosure, acquiring information includes making that information processable in the control unit 10. Acquiring information may include, for example, receiving the information from another device, obtaining the information through predetermined processing, and reading the information from the storage unit 12.

[0060] In this disclosure, generating information may consist of at least one of the following: making the information obtained by a predetermined process processable in the control unit 10, and storing the information obtained by the predetermined process in the storage unit 12.

[0061] In this disclosure, determining information may involve at least one of selecting at least one piece of information from among several pieces of information, or generating new information.

[0062] In this disclosure, outputting information may mean at least one of transmitting the information to another device and outputting the information in the form of audio or video.

[0063] In this disclosure, the information processing device 2 receiving an operation may include the information processing device 2 acquiring information regarding the operation performed on the terminal device 3.

[0064] [Communication Network 4] The communication network 4 facilitates communication between the information processing device 2 and the terminal device 3. In one example, the communication network 4 uses TCP / IP to facilitate communication between the information processing device 2 and the terminal device 3.

[0065] <3. Examples of operation and display screens> [flowchart] Referring to Figure 4-9, an example of the operation and display screen of System 1 will be described. Figure 4 is a flowchart of an example of the operation of the information processing device 2. First, the information processing device 2 acquires income and expenditure information (S100). Next, the information processing device 2 acquires event information (S102). Then, based on the income and expenditure information acquired in step S100 and the event information acquired in step S102, the information processing device 2 generates asset information (S104).

[0066] Next, the information processing device 2 transmits the asset information generated in step S104 to the terminal device 3 (S106). In one embodiment, the terminal device 3 displays asset information using a financial asset table (see Figure 6 below), a financial asset trend graph (see Figures 7-8 below), and a financial asset breakdown (see Figure 9 below). The financial asset table displays the changes in the subject's assets in a table format. The financial asset trend graph displays the changes in the subject's assets in a chart. The financial asset breakdown displays the breakdown of assets for a given year.

[0067] Next, the information processing device 2 receives a request from the user to change the income and expenditure information via the terminal device 3 (S108). Next, the information processing device 2 updates the asset information based on the income and expenditure information changed by the request (S110). Next, the information processing device 2 transmits the updated asset information to the terminal device 3 (S112).

[0068] [Income and Expense Information Input Screen] Figure 5 shows an example of a screen for inputting income and expenditure information. The income and expenditure information input screen can be displayed on terminal device 3. The example screen in Figure 5 shows income display d100, expenditure display d102, income / expense difference d104, allocation information table d106, add button d108, and simulation execution button d110.

[0069] The income display d100 and expense display d102 are elements that display the income and expenses of the subject, respectively. In this example, the income display d100 displays "7 million yen" and the expense display d102 displays "6 million yen". The amounts displayed in the income display d100 and expense display d102 may be directly specified by the subject, or they may be the sum of more detailed income / expense items entered by the subject.

[0070] The balance d104 is an element that displays the difference between income and expenses. In this example, income is "7 million yen" and expenses are "6 million yen", so the balance d104 displays "1 million yen".

[0071] Allocation information table d106 displays the asset balance, current annual contribution amount, future allocation ratio, associated assets, interest rate, termination age, and starting age for each financial asset. Participants can input various information, including allocation information, into allocation information table d106.

[0072] In the example screen shown in Figure 5, "Savings" has a balance of "15 million yen," a current annual contribution of "500,000 yen," a future allocation ratio (i.e., the percentage of the surplus allocated to this asset) of "20%," is associated with a "household," has an interest rate of "0%," and is allocated from "age 35" until "lifetime."

[0073] Furthermore, in the example screen shown in Figure 5, the "investment trust" has a balance of "10 million yen," a current annual contribution of "300,000 yen," a future allocation ratio of "50%," is associated with "target individuals," has an interest rate of "3%," and is shown to be allocated from "age 40" to "age 65."

[0074] Furthermore, in the example screen shown in Figure 5, "Stocks" has a balance of "5 million yen," the current annual contribution is "200,000 yen," the future allocation ratio is "30%," it is associated with "Spouse," the interest rate is "2%," and it is shown that allocations will be made from "age 40" to "age 75."

[0075] The add button d108 is a button that, when pressed, adds a row to the distribution information table d106.

[0076] The simulation execution button d110 is a button that, when pressed, generates asset information based on income and expenditure information and event information. In this example, the illustration of the event information input screen is omitted, but on the event information input screen, information such as who the event relates to, information about when the event occurred, and information about the income and / or expenses caused by the event can be entered.

[0077] [Financial Assets Table Display Screen] Figure 6 shows an example of a financial asset table display screen. The example screen in Figure 6 displays a financial asset table d200, a scroll bar d201, a no-interest rate button d202, an individual interest rate button d204, a uniform interest rate button d206, an interest rate input field d208, a back button d210, a financial asset trend graph display button d212, a financial asset breakdown display button d214, and a "other assets" display button d216.

[0078] Financial Assets Table d200 displays the difference between income and expenses, savings and deposits associated with the household, investment trusts associated with the household, employee savings plans associated with the household, stocks associated with the household, stocks associated with the household, and the total financial assets of the household for each age of the individual and their spouse. The information displayed in Financial Assets Table d200 is an example of asset information.

[0079] As explained with reference to Figure 5, in this simulation, 20% of the surplus is allocated to "savings" associated with the "household." Therefore, in each year of the financial asset table d200, the savings associated with the household increase by 20% of the surplus from the previous year.

[0080] Furthermore, as explained with reference to Figure 5, in this simulation, 50% of the balance is allocated to the "investment trusts" associated with the "target individuals." Therefore, in each year of the financial asset table d200, the investment trusts associated with the target individuals increase by 50% of the balance from the previous year.

[0081] Furthermore, as explained with reference to Figure 5, in this simulation, 30% of the surplus is allocated to "stocks" associated with the "spouse". Therefore, in each year of the financial asset table d200, the stocks associated with the spouse increase by 30% of the surplus from the previous year.

[0082] Scroll bar d201 is an element used to change the display range of the financial asset table d200. For example, if the subject moves scroll bar d201 to the right of the screen, the simulation results for the period in which the subject is 41 years of age or older may be displayed on the screen.

[0083] The "No Interest Rate" button d202, the "Individual Interest Rate" button d204, the "Uniform Interest Rate" button d206, and the "Interest Rate Input Field" d208 are elements for setting the interest rates for running the simulation. In the example screen shown in Figure 6, the "No Interest Rate" button d202 is selected, so the financial asset table d200 displays the simulation results assuming that the interest rates for all assets are 0%.

[0084] The Individual Interest Rate button d204 is a button that displays the simulation results assuming that the values ​​entered in the "Interest Rate" column in Figure 5 are the interest rates for each asset. As shown in the example display screen in Figure 5, in this example, the interest rate for "Savings" associated with "Household" is entered as "0%", the interest rate for "Investment Trusts" associated with "Subject" is entered as "3%", and the interest rate for "Stocks" associated with "Spouse" is entered as "2%". Therefore, in this example, if the Subject presses the Individual Interest Rate button d204, the simulation results will be displayed assuming that the Investment Trusts associated with the Subject and the Stocks associated with the Spouse increase at interest rates of "3%" and "2%", respectively.

[0085] The flat rate button d206 displays the simulation results assuming that all assets increase or decrease based on the interest rate entered in the interest rate input field d208. For example, if the subject enters "3%" in the interest rate input field d208 and then presses the flat rate button d206, the simulation results will be displayed assuming that the savings associated with the household, the investment trusts associated with the subject, the employee savings plan associated with the subject, the stocks associated with the subject, and the stocks associated with the spouse each increase at an interest rate of "3%".

[0086] The back button d210 is a button that, when pressed, allows the user to transition to the income and expense information input screen (see Figure 5). By returning to the income and expense information input screen, the user can change their income and expense information. The financial asset trend graph display button d212 is a button that, when pressed, allows the user to transition to the financial asset trend graph display screen (see Figures 7-8 described later). The financial asset breakdown display button d214 is a button that, when pressed, allows the user to transition to the financial asset breakdown display screen (see Figure 9 described later).

[0087] The "Other Assets" button d216, when pressed, allows the user to transition to a screen displaying information about assets other than financial assets (for example, real estate and company shares) in another table (which may also be called the "Other Assets Table"). The illustration of the Other Assets Table is omitted.

[0088] [Financial Asset Trend Graph Display Screen] Figure 7 shows an example of a financial asset trend graph display screen. The example screen in Figure 7 displays the financial asset trend graph d300, timeline d302, no interest rate button d306, individual interest rate button d308, uniform interest rate button d310, interest rate input field d312, back button d314, financial asset table display button d316, financial asset breakdown display button d318, and other asset display button d320.

[0089] The financial asset trend graph d300 displays, in stacked bar graph format, the savings and deposits associated with the household, the investment trusts associated with the individual, the employee savings plan associated with the individual, the stocks associated with the individual, and the stocks associated with the spouse, for each year. The information displayed in the financial asset trend graph d300 is just one example of asset information.

[0090] Timeline d302 displays events that occur in each year. Timeline d302 can be displayed so that each year aligns with each year in the financial asset trend graph d300. For example, the left end of timeline d302 shows the event of the "second child" entering "elementary school," and the assets of the household at that time are shown by the stacked bar graph at the left end of the financial asset trend graph d300.

[0091] The "no interest rate" button d306, the "individual interest rate" button d308, the "flat rate" button d310, and the "interest rate" input field d312 may be the same as the "no interest rate" button d202, the "individual interest rate" button d204, the "flat rate" button d206, and the "interest rate" input field d208 described in the example display screen in Figure 6, so their explanation is omitted. In the example display screen in Figure 7, the "no interest rate" button d306 is pressed.

[0092] The back button d314 is a button that, when pressed, will take you to the income and expense information input screen (see Figure 5). The financial asset table display button d316 is a button that, when pressed, will take you to the financial asset table display screen (see Figure 6). The financial asset breakdown display button d318 is a button that, when pressed, will take you to the financial asset breakdown display screen (see Figure 9, described later).

[0093] The "Other Assets Display" button d320, when pressed, allows you to transition to a screen that displays information about assets other than financial assets (for example, real estate and company shares) using another graph (which can also be called the "Other Assets Trend Graph"). The illustration of the Other Assets Trend Graph is omitted.

[0094] Figure 8 illustrates an example of a financial asset trend graph when the flat-rate interest rate button d310 is pressed. Compared to the financial asset trend graph d300 in Figure 7, the financial asset trend graph d300 in Figure 8 also displays the interest-rate applied asset trend d322. The interest-rate applied asset trend d322 shows the asset trend assuming that the asset has increased based on the set interest rate. In contrast, the stacked bar graph of the financial asset trend graph d300 in Figure 8 may show the asset trend (i.e., the accumulated amount) when no interest rate is applied.

[0095] [Financial Asset Breakdown Display Screen] Figure 9 shows an example of a screen displaying the breakdown of financial assets. The example screen in Figure 9 displays the financial asset breakdown d400, table d401, display target time period d402, no interest rate button d404, individual interest rate button d406, uniform interest rate button d408, interest rate input field d410, back button d412, financial asset trend graph display button d414, financial asset table display button d416, and other asset display button d418.

[0096] The financial asset breakdown d400 displays the breakdown of the household's assets at the time set in the display target time d402. In this example, since the display target time d402 is set to "present," the financial asset breakdown d400 displays the breakdown of the household's assets "present." By setting the display target time d402 to, for example, "30 years from now," the financial asset breakdown d400 can display the breakdown of the household's assets "30 years from now." The information displayed in the financial asset breakdown d400 is just one example of asset information.

[0097] The "no interest rate" button d404, the "individual interest rate" button d406, the "flat rate" button d408, and the interest rate input field d410 may be the same as the "no interest rate" button d202, the "individual interest rate" button d204, the "flat rate" button d206, and the interest rate input field d208 described in the example display screen in Figure 6, so their explanation is omitted.

[0098] The back button d412 is a button that, when pressed, will take you to the income and expense information input screen (see Figure 5). The financial asset trend graph display button d414 is a button that, when pressed, will take you to the financial asset trend graph display screen (see Figures 7-8). The financial asset table display button d416 is a button that, when pressed, will take you to the financial asset table display screen (see Figure 6).

[0099] The "Other Assets" button d418, when pressed, allows you to transition to a screen that displays information about the breakdown of assets other than financial assets (for example, real estate and company shares) in another pie chart (which can also be called "Other Assets Breakdown"). The illustration of the Other Assets Breakdown graph is omitted.

[0100] <4. Hardware Configuration> Referring to Figure 10, an example of a hardware configuration when the devices included in System 1 described above are implemented by computer 70 will be explained. Note that the functions of each device can also be implemented by dividing them among multiple devices.

[0101] As shown in Figure 10, the computer 70 includes a processor 700, a storage device 702, an input interface 704, a data interface 706, a communication interface 708, and a display device 710.

[0102] The processor 700 controls various processes in the computer 70 by executing programs stored in the storage device 702. For example, each functional unit of the control unit 10 of the information processing device 2 can be realized by the processor 700 executing programs stored in the storage device 702.

[0103] The storage device 702 is a storage medium such as RAM (Random Access Memory). RAM temporarily stores the program code of the program executed by the processor 700, as well as data required during program execution.

[0104] The storage device 702 can also be a non-volatile storage medium such as a hard disk drive (HDD) or flash memory. The storage device 702 stores the operating system and various programs for realizing the above configurations. The storage medium storing these various programs may be a non-transitory computer-readable medium. In addition, the storage device 702 can also store tables for registering various information and a database for managing those tables. Such programs and data are loaded into the storage device 702 as needed and accessed by the processor 700.

[0105] The input interface 704 is a device for receiving input from the user. Specific examples of the input interface 704 include cameras, buttons, microphones, keyboards, mice, touch panels, various sensors, and wearable devices. The input interface 704 may be connected to the computer 70 via an interface such as USB (Universal Serial Bus).

[0106] The data interface 706 is a device for inputting data from outside the computer 70. Specific examples of the data interface 706 include drive devices for reading data stored on various storage media. The data interface 706 may also be located outside the computer 70. In that case, the data interface 706 would be connected to the computer 70 via an interface such as USB.

[0107] The communication interface 708 is a device for communicating data with external devices of the computer 70 via the communication network 4, either wired or wirelessly. The communication interface 708 may also be located outside the computer 70. In that case, the communication interface 708 would be connected to the computer 70 via an interface such as USB.

[0108] The display device 710 is a device for displaying various types of information. Specific examples of the display device 710 include liquid crystal displays, organic EL (Electro-Luminescence) displays, and displays for wearable devices. The display device 710 may be located outside the computer 70. In that case, the display device 710 is connected to the computer 70 via, for example, a display cable. Furthermore, if a touch panel is used as the input I / F 704, the display device 710 can be configured as an integrated unit with the input I / F 704.

[0109] Furthermore, the components of the device included in the System 1 described above are such that a program stored in the storage device 702 is executed by the processor 700, thereby realizing a defined process in cooperation with other hardware. In other words, these components are conceived as both software or firmware, and as corresponding hardware, and in both concepts, they are also described and interpreted as "function," "means," "part," "processing circuit," "unit," or "module," etc.

[0110] <5. Variation> The embodiments described above are provided to facilitate understanding of this disclosure and are not intended to limit it. The configurations that the embodiments may have are not limited to those exemplified and can be modified as appropriate. Furthermore, configurations shown in different embodiments can be partially substituted or combined.

[0111] The information processing device 2 of the above embodiment may further include a refund receiving unit that accepts operations related to setting insurance refunds. In this case, the generation unit 102 can further generate asset information based on the refund. This configuration makes it possible to perform a more accurate life plan simulation.

[0112] The information processing device 2 of the above embodiment may further include an asset reception unit that accepts operations related to the setting of assets other than financial assets (for example, real estate and company shares). In this case, the generation unit 102 can further generate asset information based on the operations related to the setting of assets other than financial assets received by the asset reception unit. The information thus generated can be displayed on a screen accessed by pressing, for example, the "Other Assets Display Button d216" in Figure 6, the "Other Assets Display Button d320" in Figure 7-8, and the "Other Assets Display Button d418" in Figure 9. Furthermore, similar to financial assets, changes in the value of assets other than financial assets can also be reflected in the asset information via an interface such as the "No Interest Rate Button d306", "Individual Interest Rate Button d308", "Uniform Interest Rate Button d310", and "Interest Rate Input Field d312" described in Figure 6. Note that providing separate screens for displaying financial assets (Figure 6-9) and assets other than financial assets is one example of displaying financial assets and assets other than financial assets in a distinguishable manner.

[0113] When the asset reception unit accepts an operation related to the establishment of assets other than financial assets, it may further accept input of additional information regarding the increase or decrease of such assets. For example, the asset reception unit may accept input of information regarding real estate, such as its useful life, location, structure, and building materials. For example, the asset reception unit may accept input of information regarding company shares, such as the number of shares issued and the price per share. Based on this information, the generation unit 102 may generate asset information that includes information regarding assets other than financial assets.

[0114] In the above embodiment (in particular the embodiment described with reference to Figure 5-9), an example was described in which the status of the financial assets of the subject is displayed on the terminal device 3. However, the terminal device 3 may also display a list of the status of assets other than financial assets. This allows the subject to easily grasp the status of both financial assets and non-financial assets on a single screen. In this case, the subject may also reflect the increase or decrease in financial assets and non-financial assets in the asset information via an interface such as the no-interest button d306, individual interest rate button d308, uniform interest rate button d310, and interest rate input field d312 exemplified in Figure 6.

[0115] In the financial asset breakdown display screen (Figure 9) described in the above embodiment, a display element may be further displayed for switching between the display of financial assets excluding the simulation results (i.e., financial assets entered as currently held) and the display of the simulation results for future financial assets. By operating such a display element, the user can more easily grasp the difference between the entered financial assets and the financial assets based on the simulation results. The display element may be, for example, a toggle switch, in which case the user can switch whether or not the simulation results are reflected by toggling the switch.

[0116] In the above embodiment, the terminal device 3 was described as being used by the subject, but it is not limited to this. The terminal device 3 may be used, for example, by a coordinator who performs a life plan simulation, and the subject may be able to check the results.

[0117] In the above embodiment, each configuration described using "first" and "second" (for example, first asset / second asset, first target / second target, and first interest rate / second interest rate, etc.) is not limited to two, but may be three or more. For example, the income and expenditure information may include information on the first amount of the income and expenditure difference allocated to the first asset, information on the second amount of the income and expenditure difference allocated to the second asset, information on the third amount of the income and expenditure difference allocated to the third asset, ..., information on the Mth amount of the income and expenditure difference allocated to the Mth asset. Here, "M" is a natural number corresponding to the number of asset types.

[0118] In the above embodiment, an example was described in which the information processing device 2 updates asset information in response to a change operation of income and expenditure information, but it is not limited to this. The information processing device 2 may also be configured to update asset information in response to a change operation of event information.

[0119] In the above embodiment, for the sake of explanation, income and expenditure information and event information were described separately, but these may not always be clearly separate. For example, events may involve expenditures, which can cause fluctuations in a household's income and expenditure.

[0120] In the above embodiment, the surplus was described as the difference between a household's income and its expenses, but it is not limited to this. The surplus may also be the difference (negative) between a household's income and its expenses. In this case, the surplus for each year is reflected in the subject's asset information, for example, based on the proportion of each asset to the subject's total financial assets. For example, if the subject's surplus is "-500,000 yen" per year, and 50% of the subject's total financial assets are investment trusts and 50% are savings, then for each year the surplus is "-500,000 yen", asset information is generated showing that investment trusts decrease by "250,000 yen" and savings decrease by "250,000 yen". Alternatively, for example, a priority order for which assets to decrease when the surplus is negative may be determined, and asset information may be generated showing that assets decrease based on that priority order.

[0121] <6. Example Configuration> This disclosure includes the following technologies:

[0122] [Note 1] Information processing device 2 comprises: an income and expenditure acquisition unit 100a that acquires income and expenditure information relating to the income and expenditure of a household, wherein the income and expenditure information includes information on a first amount to be allocated to a first asset and information on a second amount to be allocated to a second asset from the difference between the household's income and expenditure; an event acquisition unit 100b that acquires event information relating to events that may occur at least part of the lifetime of a person relating to the household; a generation unit 102 that generates asset information relating to the household's assets based on the income and expenditure information and the event information, wherein the asset information includes information on a first asset and information on a second asset; and a first transmission unit 108a that transmits information for displaying the asset information on a terminal device 3.

[0123] [Note 2] The information processing device 2 as described in Appendix 1, comprising: a change reception unit 104a that receives operations related to changes in income and expenditure information; an update unit 106 that updates asset information based on the income and expenditure information changed by the operations received by the change reception unit 104a; and a second transmission unit 108b that transmits information for displaying the asset information updated by the update unit 106 on a terminal device 3.

[0124] [Note 3] The information processing device 2 as described in Appendix 1 or 2, wherein the household includes a first subject and a second subject, the income and expenditure information includes information regarding settings that associate a first asset with the first subject or the second subject, and information regarding settings that associate a second asset with the first subject or the second subject, and the asset information includes information regarding a first asset associated with at least one of the first subject and the second subject, and information regarding a second asset associated with at least one of the first subject and the second subject.

[0125] [Note 4] The first and second assets are both financial assets other than deposits, as described in Appendix 3, for the information processing device 2.

[0126] [Note 5] The information processing device 2 described in any one of the appendices 1 to 4, wherein the household includes the subject, the income and expenditure information includes information regarding settings for associating the first asset with the subject and information regarding settings for associating the second asset with the household, and the asset information includes information regarding the first asset associated with the subject and information regarding the second asset associated with the household.

[0127] [Note 6] The first asset is financial assets other than deposits and savings, and the second asset is deposits and savings, as described in Appendix 5, for the information processing device 2.

[0128] [Note 7] The information processing device 2 as described in Appendix 5 or 6, wherein the event information includes information about the period during which the subject is expected to be alive, and the generation unit 102 generates asset information assuming that, for the period during which the subject is expected to be alive, a first amount will be allocated to a first asset associated with the subject, and a second amount will be allocated to a second asset associated with the household, and after the period during which the subject is expected to be alive has elapsed, both the first and second amounts will be allocated to a second asset associated with the household.

[0129] [Note 8] The information processing device 2 according to any one of the appendices 1 to 7 further comprises an interest rate receiving unit 104b that receives operations relating to setting a first interest rate for a first asset and operations relating to setting a second interest rate for a second asset, and the generation unit 102 generates asset information assuming that the first asset increases or decreases based on the first interest rate and the second asset increases or decreases based on the second interest rate.

[0130] [Note 9] The information processing device 2 according to any one of the appendices 1 to 7 further comprises an interest rate receiving unit 104b that receives operations relating to setting a predetermined interest rate common to the first asset and the second asset, and a generation unit 102 that generates asset information assuming that both the first asset and the second asset increase or decrease based on a predetermined interest rate.

[0131] [Note 10] The information processing device 2, as described in any one of the appendices 1 to 9, further comprises a refund receiving unit that accepts operations related to setting up insurance refunds, and a generation unit 102 that further generates asset information based on the refunds.

[0132] [Note 11] The information processing device 2 according to any one of the appendices 1 to 10 further comprises an asset reception unit that accepts operations related to the setting of assets other than financial assets, and the generation unit 102 further generates asset information based on the operations related to the setting of assets other than financial assets accepted by the asset reception unit.

[0133] [Note 12] The information processing device 2 described in Appendix 11 includes information for displaying asset information on terminal device 3, which includes information for displaying financial assets and non-financial assets in a way that allows for identification.

[0134] [Note 13] An information processing method comprising: acquiring income and expenditure information relating to the income and expenditure of a household, wherein the income and expenditure information includes information on a first amount to be allocated to a first asset and information on a second amount to be allocated to a second asset from the difference between the household's income and expenditures; acquiring event information relating to events that may occur at least part of the lifetime of a predetermined person belonging to the household; generating asset information relating to the household's assets based on the income and expenditure information and the event information, wherein the asset information includes information on a first asset and information on a second asset; and transmitting information for displaying the asset information on a terminal device 3.

[0135] [Note 14] A program that causes computer 70 to perform the following actions: acquire income and expenditure information relating to household income and expenditure, wherein the income and expenditure information includes information on a first amount to be allocated to a first asset and information on a second amount to be allocated to a second asset from the difference between household income and expenditure; acquire event information relating to events that may occur at least part of the lifetime of a specified person belonging to the household; generate asset information relating to household assets based on the income and expenditure information and event information, wherein the asset information includes information on a first asset and information on a second asset; and display the asset information on terminal device 3. [Explanation of Symbols]

[0136] 1...System, 2...Information Processing Device, 3...Terminal Device, 10...Control Unit, 12...Storage Unit, 70...Computer, 100...Acquisition Unit, 100a...Income and Expenditure Acquisition Unit, 100b...Event Acquisition Unit, 102...Generation Unit, 104...Reception Unit, 104a...Change Reception Unit, 104b...Interest Rate Reception Unit, 106...Update Unit, 108...Transmission Unit, 108a...First Transmission Unit, 108b...Second Transmission Unit

Claims

1. A financial information acquisition unit that acquires financial information relating to the income and expenditures of a household, wherein the financial information includes information relating to a first amount to be allocated to a first asset from the difference between the household's income and expenditures, and information relating to a second amount to be allocated to a second asset from the difference, An event acquisition unit that acquires event information relating to events that may occur at least part of the life of a person relating to the said household, A generation unit that generates asset information relating to the assets of the household based on the income and expenditure information and the event information, wherein the asset information includes information relating to the first asset and information relating to the second asset, A first transmission unit that transmits information for displaying the aforementioned asset information on a terminal device, An information processing device equipped with the following features.

2. A change reception unit that accepts operations related to changes in the aforementioned income and expenditure information, An update unit updates the asset information based on the income and expenditure information that has been changed by the operation received by the change reception unit, A second transmission unit transmits information for displaying the asset information updated by the update unit on the terminal device, The information processing apparatus according to claim 1, comprising:

3. The aforementioned household includes the first and second target persons, The income and expenditure information includes information relating to the setting that associates the first asset with the first target person or the second target person, and information relating to the setting that associates the second asset with the first target person or the second target person. The asset information includes information relating to the first asset associated with at least one of the first subject and the second subject, and information relating to the second asset associated with at least one of the first subject and the second subject. The information processing apparatus according to claim 1.

4. The information processing apparatus according to claim 3, wherein both the first asset and the second asset are financial assets other than deposits.

5. The aforementioned household includes the subject, The income and expenditure information includes information relating to the setting that associates the first asset with the subject, and information relating to the setting that associates the second asset with the household. The asset information includes information relating to the first asset associated with the subject and information relating to the second asset associated with the household. The information processing apparatus according to claim 1.

6. The aforementioned first asset is a financial asset other than savings deposits, The second asset mentioned above is savings. The information processing apparatus according to claim 5.

7. The aforementioned event information includes information regarding the expected period of time the subject is expected to be alive. The generating unit is Assuming that the first amount is allocated to the first asset associated with the subject during the period during which the subject is expected to be alive, and that the second amount is allocated to the second asset associated with the household, Assuming that the first and second amounts will be allocated to the second asset associated with the household after the expected period of the subject's lifetime has elapsed, the asset information is generated. The information processing apparatus according to claim 5.

8. The system further includes an interest rate receiving unit that accepts operations relating to setting a first interest rate for the first asset and operations relating to setting a second interest rate for the second asset, The generation unit generates the asset information assuming that the first asset increases or decreases based on the first interest rate and the second asset increases or decreases based on the second interest rate. The information processing apparatus according to claim 1.

9. The system further includes an interest rate receiving unit that accepts operations related to setting a predetermined interest rate common to the first asset and the second asset, The generation unit generates the asset information assuming that both the first asset and the second asset increase or decrease based on the predetermined interest rate. The information processing apparatus according to claim 1.

10. It further includes a refund reception department that accepts operations related to setting up insurance refunds, The generation unit further generates the asset information based on the refund amount. The information processing apparatus according to claim 1.

11. It further includes an asset reception unit that accepts operations related to the establishment of assets other than financial assets, The generation unit generates the asset information based on the operations related to setting up assets other than financial assets that have been received by the asset reception unit. The information processing apparatus according to claim 1.

12. The information for displaying the aforementioned asset information on the terminal device includes information for distinguishing between financial assets and assets other than financial assets. The information processing apparatus according to claim 11.

13. Computers The acquisition of income and expenditure information relating to the household's income and expenditure, wherein the income and expenditure information includes information relating to a first amount to be allocated to a first asset from the difference between the household's income and expenditure, and information relating to a second amount to be allocated to a second asset from the difference. To obtain event information relating to events that may occur at least part of the life of a specified person belonging to the aforementioned household, Based on the income and expenditure information and the event information, the generation of asset information includes information relating to the first asset and information relating to the second asset. To transmit information for displaying the aforementioned asset information on a terminal device, An information processing method that performs [this action].

14. On the computer, The acquisition of income and expenditure information relating to the household's income and expenditure, wherein the income and expenditure information includes information relating to a first amount to be allocated to a first asset from the difference between the household's income and expenditure, and information relating to a second amount to be allocated to a second asset from the difference. To obtain event information relating to events that may occur at least part of the life of a specified person belonging to the aforementioned household, Based on the income and expenditure information and the event information, the generation of asset information includes information relating to the first asset and information relating to the second asset. The aforementioned asset information is displayed on the terminal device, A program that executes something.

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