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

Abstract

This helps to mitigate losses incurred by drawing down the principal. [Solution] The information processing device 2 of this embodiment includes a storage unit 22 that stores the principal used to purchase financial products and dividends or distributions obtained by operating financial products in association with the user, a receiving unit 232 that receives withdrawal requests from the user, and a withdrawal decision unit 234 that decides to prioritize the withdrawal of dividends or distributions associated with the requesting user over the principal associated with the requesting user.

Description

Technical Field

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

Background Art

[0002] There is known a technique for reducing the burden on users when using a preferential system in which profits obtained from financial products such as stocks and investment trusts are non-taxable, and enabling more effective use of the preferential system (see, for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] A person who entrusts the operation of financial products such as listed stocks or ETFs (listed investment trusts) to others or a person who operates financial products by himself / herself may perform so-called liquidation by cashing out and receiving the financial products at a predetermined timing (for example, monthly). In this case, there is a problem that a loss occurs even if the original investment capital is liquidated.

[0005] Therefore, the present invention has been made in view of these points, and an object thereof is to suppress the occurrence of losses due to liquidating the original capital.

Means for Solving the Problems

[0006] An information processing device according to a first aspect of the present invention includes: a storage unit that stores principal used to purchase a financial product and dividends or distributions obtained by operating the financial product in association with a user; a receiving unit that receives a withdrawal request from the user; and a withdrawal decision unit that decides to prioritize the withdrawal of the dividends or distributions associated with the requesting user over the principal associated with the requesting user.

[0007] The storage unit may further store the unrealized gains on the financial instrument in association with the user, and the payout decision unit may decide to pay out the dividends or distributions, the unrealized gains, and the principal in that order, associated with the requesting user.

[0008] The information processing device may further include a display processing unit that causes the display unit to display at least one of the following withdrawal candidates: information indicating that the withdrawal target to be applied to the withdrawal request amount requested by the requesting user is a first amount corresponding to the dividend or distribution; information indicating that the withdrawal target is a second amount obtained by adding the unrealized gain on the financial instrument to the first amount; or information indicating that the withdrawal target is a third amount obtained by adding the principal to the second amount. The withdrawal decision unit may decide to withdraw the amount indicated by the withdrawal candidate selected by the requesting user from among the displayed withdrawal candidates.

[0009] The storage unit may further store a first payout candidate table in which the user's attributes and the payout candidates to be displayed are associated, and the display processing unit may cause the display unit to display the payout candidates associated with the requesting user's attributes in the first payout candidate table.

[0010] The storage unit may further store a second payout candidate table in which the investment purpose of the financial product and the payout candidates to be displayed are associated, and the display processing unit may cause the display unit to display the payout candidates in the second payout candidate table that are associated with the investment purpose for which the requesting user invests in the financial product.

[0011] The storage unit may further store a third payout candidate table in which the answer results, which are the results of the user's answers to a question for determining which payout candidate to display, and the payout candidates to display are associated with each other, and the display processing unit may cause the display unit to display the payout candidates associated with the requesting user's answer results in the third payout candidate table.

[0012] The storage unit may further store a past proposal table in which the user, the user's attributes, and the disbursement candidates previously proposed to the user are associated, and the display processing unit may refer to the past proposal table and display the disbursement candidates associated with the user having attributes of the requesting user that are similar to or greater than a threshold on the display unit.

[0013] The storage unit may further store attribute data indicating the user's financial status, and the display processing unit may, if the financial status indicated by the attribute data for the requesting user is in surplus, cause the display unit to display a proposal indicating that the first amount or the second amount should be added to the principal, and if the financial status indicated by the attribute data for the requesting user is in deficit, cause the display unit to display a payout candidate corresponding to the amount necessary to turn the deficit into a surplus.

[0014] The disbursement decision unit may decide to disburse an amount from the requested disbursement amount that can be covered by the amount indicated by the disbursement candidate selected by the requesting user from among the displayed disbursement candidates.

[0015] The disbursement decision unit may decide to disburse an amount up to a predetermined percentage of the market value of the financial instrument.

[0016] An information processing method according to a second aspect of the present invention is an information processing method executed by a computer having a storage unit that stores principal used to purchase a financial product and dividends or distributions obtained by operating a financial product in association with a user, comprising: a reception step of receiving a withdrawal request from the user; and a withdrawal decision step of deciding to pay out to the requesting user, who is the user who made the withdrawal request, the dividends or distributions associated with the requesting user, with priority given to paying out the dividends or distributions associated with the requesting user over the principal associated with the requesting user.

[0017] A program according to a third aspect of the present invention causes a processor in an information processing device having a storage unit that stores principal used to purchase financial products and dividends or distributions obtained by managing financial products in association with a user to function as a receiving unit that receives a withdrawal request from the user, and a withdrawal decision unit that decides to pay out the dividends or distributions associated with the requesting user, who is the user who made the withdrawal request, with priority over the principal associated with the requesting user.

[0018] An information processing system according to a fourth aspect of the present invention includes an information processing device having a storage unit that stores in association with a user the principal amount used for purchasing a financial product and the dividend or distribution amount obtained by operating the financial product, and an information terminal capable of communicating with the information processing device. The information processing device includes a reception unit that receives a payout request from the user, and a payout determination unit that determines to pay out the dividend or distribution amount associated with the requesting user preferentially over the principal amount associated with the requesting user. The information terminal includes a terminal communication unit that transmits information indicating the payout request to the information processing device and receives payout notification information indicating that the payout determination unit has determined to pay out the dividend or distribution amount, and a display unit that displays the amount of the dividend or distribution amount determined by the payout determination unit to be paid out when the terminal communication unit receives the payout notification information.

Effect of the Invention

[0019] According to the present invention, there is an effect that the occurrence of losses due to depleting the principal can be suppressed.

Brief Description of the Drawings

[0020] [Figure 1] It is a diagram showing the configuration of the information processing system S. [Figure 2] It is a diagram showing the configuration of the information terminal 1. [Figure 3] It is a diagram showing the configuration of the information processing device 2. [Figure 4] It is a diagram showing an example of a price management table. [Figure 5] It is a diagram showing an example of a first payout candidate table. [Figure 6] It is a diagram showing an example of a second payout candidate table. [Figure 7] It is a diagram showing an example of a third payout candidate table. [Figure 8] It is a diagram showing an example of the display of payout candidates. [Figure 9]It is a diagram showing another example of the display of payout candidates. [Figure 10] It is a diagram for explaining the payout when "up to dividends and distributions" is selected. [Figure 11] It is a diagram for explaining the payout when "up to appreciation profit" is selected. [Figure 12] It is a diagram for explaining the payout when "up to principal" is selected. [Figure 13] It is a flowchart showing the flow of the process related to the determination of the payout amount.

Embodiments for Carrying Out the Invention

[0021] [Overview of Information Processing System S] FIG. 1 is a diagram showing an overview of the operation of information processing system S. Information processing system S includes an information terminal 1 and an information processing apparatus 2. Information processing system S may include other devices such as servers and terminals. Information processing system S is a system for determining to cash out and pay out a financial product to a person who entrusts the operation of the financial product to a financial institution or the like.

[0022] In recent years, the importance of asset management has been increasing. The working generation, which tends to have more income than expenditure, often conducts asset management for the purpose of expanding assets to increase assets. On the other hand, the senior generation, which tends to have more expenditure than income, often conducts asset management for the purpose of increasing regular income, which is a fixed amount received from assets as cash on a regular basis. In a society with a declining birthrate and aging population, it is important to enable the senior generation to manage assets with confidence.

[0023] ​

[0024] For this reason, some senior citizens use discretionary investment services, which entrust the management of listed stocks or financial products such as ETFs to financial institutions. Discretionary investment services have the advantage of lowering the barrier to entry, as financial institutions manage the financial products on behalf of the service users. In addition, in current discretionary investment services, dividends from listed stocks or distributions from ETFs are often automatically reinvested in full, so the effect of compound interest can be expected. On the other hand, for investors who want to receive regular income, it was necessary to (partially) redeem their investment assets in order to convert them into cash.

[0025] Therefore, the information processing device 2 stores the principal used to purchase financial products and the dividends or distributions obtained from the investment assets, associating them with the user who is a user of the discretionary investment service. This allows the information processing device 2 to decide to prioritize disbursing dividends or distributions associated with the requesting user over the principal associated with the requesting user when the requesting user makes a withdrawal request. As a result, the user can obtain income by converting financial products into cash while suppressing the occurrence of losses due to drawing down the principal.

[0026] Furthermore, "withdrawing" means, for example, a user converting financial products (especially the principal amount of the financial products) into cash so that the cash can be used for living expenses, etc. On the other hand, "disbursing" means, for example, a financial institution converting financial products into cash and transferring that cash from the financial institution's account to the user's account.

[0027] Information terminal 1 is an information terminal used by the user. Information terminal 1 may be a portable terminal such as a smartphone or tablet personal computer, or a stationary terminal such as a desktop personal computer. Information processing device 2 is a computer such as a server that decides to pay cash to the user by liquidating financial products that the user has entrusted to it. Information terminal 1 and information processing device 2 are connected to each other via a communication network such as the Internet.

[0028] External server 3 is an external server that provides information on the prices of financial instruments and information on dividends or distributions to the information processing device 2. The external server 3 that manages the information on the prices of financial instruments and the external server 3 that manages the information on dividends or distributions may be the same or different. The information processing device 2 and external server 3 are connected to each other via a communication network such as the Internet.

[0029] The following describes the general process performed in the information processing system S, with reference to Figure 1. In the following description, "dividends or distributions" may be referred to as "dividends / distributions." The external server 3 transmits information indicating the latest price of financial instruments and information indicating dividends / distributions to the information processing device 2. As a result, the information processing device 2 can store the principal amount used by the user to purchase financial instruments, the unrealized gain obtained by subtracting the principal amount from the latest price of financial instruments, and the dividends / distributions in association with the user.

[0030] Information terminal 1 transmits a withdrawal request from the user and withdrawal request information to information processing device 2, indicating the withdrawal request amount requested by the user. Upon receiving the withdrawal request information, information processing device 2 displays at least one of the following withdrawal options on information terminal 1: "Up to dividends / distributions" indicating withdrawal within the range of dividends / distributions, "Up to unrealized gains" indicating withdrawal within the range of dividends / distributions plus unrealized gains, or "Up to principal" indicating withdrawal within the range of dividends / distributions, unrealized gains, and principal.

[0031] Information terminal 1 transmits selection candidate information to information processing device 2, indicating the withdrawal candidate selected by the user. Information processing device 2 decides to pay out an amount equivalent to all or part of the withdrawal request amount by applying the amount of the withdrawal candidate selected by the user to the withdrawal request amount. Specifically, if the withdrawal candidate selected by the user is "up to dividends / distributions", information processing device 2 decides to pay out dividends / distributions. Also, if the withdrawal candidate selected by the user is "up to unrealized gains", information processing device 2 decides to pay out dividends / distributions, then unrealized gains. Also, if the withdrawal candidate selected by the user is "up to principal", information processing device 2 decides to pay out dividends / distributions, then unrealized gains, then principal.

[0032] Regardless of which withdrawal option the user selects, dividends and distributions are given priority for withdrawal, thus mitigating losses from depleting the principal. As a result, users can engage in stable, long-term asset management. The information processing device 2 transmits withdrawal notification information indicating the amount to be withdrawn to the information terminal 1. This allows the user to understand that the withdrawal has been executed and the amount to be withdrawn.

[0033] [Configuration of Information Terminal 1] The configuration of information terminal 1 will be described. Figure 2 shows an example of the configuration of information terminal 1. Information terminal 1 comprises a terminal communication unit 11, a display unit 12, a storage unit 13, and a control unit 14. The control unit 14 comprises a display processing unit 141 and an input receiving unit 142.

[0034] The terminal communication unit 11 is a communication interface for communicating with the information processing device 2 via a communication network such as the Internet. The terminal communication unit 11 transmits to the information processing device 2 the withdrawal request information received from the input reception unit 142, which indicates the withdrawal request from the user and the amount of the withdrawal request the user is requesting. The terminal communication unit 11 also inputs to the display processing unit 141 the withdrawal candidate information received from the information processing device 2, which indicates the withdrawal candidates. The terminal communication unit 11 also transmits to the information processing device 2 the selection candidate information received from the input reception unit 142, which indicates the withdrawal candidate selected by the user. The terminal communication unit 11 also inputs to the display processing unit 141 the withdrawal notification information received from the information processing device 2, which indicates that the withdrawal decision unit 234 of the information processing device 2 has decided to pay out dividends, distributions, unrealized gains, or principal.

[0035] The display unit 12 is composed of, for example, a liquid crystal display or an organic EL (Electro-Luminescence) display. The display unit 12 displays various information in accordance with the control of the display processing unit 141. The display unit 12 displays a screen for receiving withdrawal requests and input of the withdrawal request amount. In addition, when the terminal communication unit 11 receives withdrawal candidate information, the display unit 12 displays at least one of the following withdrawal candidates on the screen: "up to dividends / distributions," "up to unrealized gains," or "up to principal." Furthermore, when the terminal communication unit 11 receives withdrawal notification information, the display unit 12 displays the amount of dividends / distributions, unrealized gains, or principal that the withdrawal decision unit 234 of the information processing device 2 has decided to pay out.

[0036] The memory unit 13 is a storage medium including ROM (Read Only Memory) and RAM (Random Access Memory). The memory unit 13 stores the program that the control unit 14 will execute. For example, the memory unit 13 stores a program that causes the control unit 14 to function as a display processing unit 141 and an input receiving unit 142.

[0037] The control unit 14 is, for example, a CPU (Central Processing Unit). The control unit 14 functions as a display processing unit 141 and an input receiving unit 142 by executing a program stored in the storage unit 13.

[0038] The display processing unit 141 displays various information on the display unit 12. The display processing unit 141 displays a screen on the display unit 12 for receiving withdrawal requests and input of withdrawal request amounts. In addition, when the terminal communication unit 11 receives withdrawal candidate information, the display processing unit 141 displays the withdrawal candidates on the same screen on the display unit 12. Furthermore, when the terminal communication unit 11 receives withdrawal notification information, the display processing unit 141 displays the amount that the withdrawal decision unit 234 of the information processing device 2 has decided to withdraw on the display unit 12.

[0039] The input receiving unit 142 receives the withdrawal request and the withdrawal amount from the user and transmits the withdrawal request information, which indicates the withdrawal request and the withdrawal amount, to the information processing device 2 via the terminal communication unit 11. The input receiving unit 142 also receives the user's selection of one withdrawal candidate from at least one of the following withdrawal candidates: "up to dividends / distributions," "up to unrealized gains," or "up to principal," and transmits the selected candidate information, which indicates the selected withdrawal candidate, to the information processing device 2 via the terminal communication unit 11.

[0040] [Configuration of Information Processing Device 2] The configuration of the information processing device 2 will now be described. Figure 3 shows an example of the configuration of the information processing device 2. The information processing device 2 comprises a device communication unit 21, a storage unit 22, and a control unit 23. The control unit 23 comprises an acquisition unit 231, a reception unit 232, a display processing unit 233, and a payout determination unit 234.

[0041] The device communication unit 21 is a communication interface for communicating with the information terminal 1 and the external server 3 via a communication network such as the Internet. The device communication unit 21 inputs information indicating the price of financial products and information indicating dividends and distributions received from the external server 3 into the acquisition unit 231. The device communication unit 21 also inputs withdrawal request information received from the information terminal 1 into the reception unit 232.

[0042] Furthermore, the device communication unit 21 transmits the dispensing candidate information input from the display processing unit 233 to the information terminal 1. The device communication unit 21 also inputs the selection candidate information, which indicates the dispensing candidate selected by the user, received from the information terminal 1 to the dispensing decision unit 234. Furthermore, the device communication unit 21 transmits the dispensing notification information input from the dispensing decision unit 234 to the information terminal 1.

[0043] The storage unit 22 is a storage medium including ROM and RAM. The storage unit 22 stores programs executed by the control unit 23. For example, the storage unit 22 stores an information processing program that causes the control unit 23 to function as an acquisition unit 231, a reception unit 232, a display processing unit 233, and a payout decision unit 234. The storage unit 22 stores a price management table, a first payout candidate table, a second payout candidate table, and a third payout candidate table.

[0044] Figure 4 shows an example of a price management table. In the price management table, the user ID, product ID, acquisition price, latest price, unrealized gain, dividends / distributions, and investment objective are associated. The user ID is information used to identify the user who is using the discretionary investment service. The product ID is information used to identify the financial product. Financial products include, for example, listed stocks or ETFs.

[0045] The acquisition price is the principal amount used by the user to purchase the financial product. In other words, the acquisition price is the price of the financial product at the time the user purchased it. The current price is the latest price of the financial product. The unrealized gain is the amount obtained by subtracting the acquisition price from the current price of the financial product. Dividends and distributions are dividends or distributions obtained from managing the financial product. The investment purpose is the purpose for which the financial product is managed, for example, "retirement funds," "emergency fund," "education funds," or "housing expenses."

[0046] Figure 5 shows an example of a first withdrawal candidate table. In the first withdrawal candidate table, user attributes are associated with the withdrawal candidates to be displayed. User attributes include, for example, the user's age, age group, total assets, occupation, employer, work history, educational background, income and expenditure situation, future cash flow statement, asset composition, liabilities, annual income, gender, personality, history of using financial institutions, family structure, employment status (part-time, temporary, full-time employee, etc.), marital status (single, married), or living situation (living alone, living with parents, renting, owning a home).

[0047] As mentioned earlier, younger people often manage their assets for the purpose of increasing their wealth, and their withdrawal requests tend to be relatively small compared to other age groups. For this reason, in the example shown in Figure 5, "Up to dividends / distributions" is set as the withdrawal option to be displayed for younger people aged 20-40. On the other hand, as mentioned earlier, senior people often manage their assets for the purpose of receiving regular income, and their withdrawal requests tend to be relatively large compared to other age groups. For this reason, in the example shown in Figure 5, "Up to dividends / distributions," "Up to unrealized gains," and "Up to principal" are set as the withdrawal options to be displayed for senior people aged 65 and over.

[0048] Figure 6 shows an example of a second withdrawal candidate table. In the second withdrawal candidate table, the investment purpose of a financial product is associated with the withdrawal candidate to be displayed. When the probability of needing to use funds for an investment purpose, such as retirement funds, is relatively high compared to other investment purposes, it is undesirable for the principal of the funds allocated to the investment purpose to decrease. For this reason, in the example shown in Figure 6, "Up to dividends / distributions" is set as the withdrawal candidate to be displayed for "retirement funds." On the other hand, when the probability of needing to use funds for an investment purpose, such as emergency preparedness, is relatively low compared to other investment purposes, it is acceptable for the principal of the funds allocated to the investment purpose to decrease to a certain extent. For this reason, in the example shown in Figure 6, "Up to dividends / distributions," "Up to unrealized gains," and "Up to principal" are set as the withdrawal candidates to be displayed for "emergency preparedness."

[0049] Figure 7 shows an example of a third payout candidate table. In the third payout candidate table, the answer results are associated with the payout candidates to be displayed. The answer results are the results of the user's answers to the questions used to determine the payout candidates, and are, for example, aggregated scores calculated by adding up the points corresponding to the answer results. As points corresponding to the questions and answer results, for example, questions such as "I often make impulse purchases" or "I have a large expenditure planned" may be assigned lower scores the more strongly they apply to the user. Also, as shown in Figure 7, if the aggregated score is relatively low, the system may be set to display payout candidates up to "dividends / distributions". In this way, it is possible to prevent the display of "payout candidates up to principal" to users who tend to reduce their principal or users who should not reduce their principal.

[0050] The control unit 23 is, for example, a CPU. The control unit 23 functions as an acquisition unit 231, a reception unit 232, a display processing unit 233, and a payout determination unit 234 by executing an information processing program stored in the storage unit 22.

[0051] The acquisition unit 231 acquires information indicating the latest price of financial instruments and information indicating dividends / distributions from the external server 3. The acquisition unit 231 periodically (for example, daily at a predetermined time) sends a signal to the external server 3 requesting information indicating the latest price of financial instruments. Upon receiving the signal, the external server 3 sends information indicating the latest price of financial instruments to the information processing device 2. The external server 3 also sends information indicating dividends / distributions to the information processing device 2 when dividends / distributions occur. The acquisition unit 231 acquires the information indicating the latest price of financial instruments and information indicating dividends / distributions by receiving the transmitted information, and stores the latest price of financial instruments and dividends / distributions in the storage unit 22, associating them with the user, as shown in Figure 4.

[0052] The reception unit 232 receives withdrawal requests from users. The reception unit 232 receives withdrawal requests, for example, by receiving withdrawal request information from the information terminal 1, which includes the withdrawal request from the user and the withdrawal amount.

[0053] The display processing unit 233 displays at least one of the following three withdrawal candidates on the display unit as a candidate for the withdrawal amount to be applied to the withdrawal request amount of the requesting user who made the withdrawal request. The first withdrawal candidate is information indicating that the withdrawal target will be the first amount corresponding to dividends and distributions, and specifically is the aforementioned "up to dividends and distributions" option. The second withdrawal candidate is information indicating that the withdrawal target will be the second amount obtained by adding the unrealized gains on the financial instrument to the first amount, and specifically is the aforementioned "up to unrealized gains" option. The third withdrawal candidate is information indicating that the withdrawal target will be the third amount obtained by adding the principal to the second amount, and specifically is the aforementioned "up to principal" option. For example, when the reception unit 232 receives the withdrawal request information, the display processing unit 233 transmits the withdrawal candidate information indicating the withdrawal candidate to be displayed to the requesting user to the information terminal 1, thereby displaying the withdrawal candidate on the display unit 12 of the information terminal 1.

[0054] Figure 8 shows an example of the display of withdrawal options. In the screen shown in Figure 8 displayed on the information terminal 1 used by the user, the user requests a withdrawal by selecting "Automatically withdraw to bank account (yen)" in item (1) (indicated by a dot), and enters the withdrawal amount in item (2). As a result, the information terminal 1 transmits the withdrawal request information, which includes the withdrawal request and the withdrawal amount, to the information processing device 2. When the receiving unit 232 receives the withdrawal request information, the display processing unit 233 displays the withdrawal options that should be displayed to the requesting user (in the example of Figure 8, "Up to dividends / distributions") on the display unit 12 of the requesting user's information terminal 1, and does not display the withdrawal options that should not be displayed to the requesting user (in the example of Figure 8, "Up to unrealized gains" and "Up to principal").

[0055] The display processing unit 233 may determine which dispensing candidates to display to the requesting user by referring to the dispensing candidate tables shown in Figures 5 to 7. The display processing unit 233 may, for example, display the dispensing candidates associated with the requesting user's attributes in the first dispensing candidate table on the display unit. Specifically, the display processing unit 233 may determine the attributes associated with the requesting user's user ID by referring to a user attribute table (not shown) which associates user IDs with user attributes. Then, the display processing unit 233 may display the dispensing candidates associated with the determined attributes in the first dispensing candidate table shown in Figure 5 on the display unit 12 of the requesting user's information terminal 1.

[0056] The display processing unit 233 may display the withdrawal candidates associated with the requesting user's investment purpose in the second withdrawal candidate table on the display unit. Specifically, the display processing unit 233 may determine the investment purpose associated with the requesting user's user ID by referring to the price management table shown in Figure 4. Then, the display processing unit 233 may display the withdrawal candidates associated with the determined investment purpose in the second withdrawal candidate table shown in Figure 6 on the display unit 12 of the requesting user's information terminal 1.

[0057] The display processing unit 233 may display the payout candidates associated with the requesting user's answer results in the third payout candidate table on the display unit. Specifically, the display processing unit 233 may refer to a score table (not shown) which associates a question ID for identifying a question, the answer result to the question, and the score corresponding to the answer result, and determine the question ID and the score associated with the requesting user's answer result for each of the multiple questions answered by the requesting user. The display processing unit 233 then aggregates the scores determined for each of the multiple questions to calculate a total score value, and may display the payout candidates associated with the calculated total score value in the third payout candidate table shown in Figure 7 on the display unit 12 of the requesting user's information terminal 1.

[0058] In this way, the display processing unit 233 can change the withdrawal options displayed on the display unit depending on the user. For example, the display processing unit 233 displays the "up to dividends / distributions" withdrawal option to working-age users who should not reduce their assets, or to users who are likely to reduce their assets. This helps to discourage such users from drawing down their principal. On the other hand, the display processing unit 233 displays all withdrawal options, including "up to dividends / distributions," "up to unrealized gains," and "up to principal," to users who tend to want to receive regular income, such as seniors. This allows seniors to choose their preferred withdrawal method from a variety of options, enabling them to manage their assets in a way that suits their needs.

[0059] Even when a selection of withdrawal options is displayed, the user cannot determine the exact amount that can be withdrawn. Therefore, the display processing unit 233 may display the amount that can be withdrawn for each of the multiple withdrawal options on the display unit. For example, in item (3) of the screen in Figure 8, the display processing unit 233 may display a first amount associated with "up to dividends / distributions," a second amount associated with "up to unrealized gains," and a third amount associated with "up to principal." This ensures that the user can receive an amount equivalent to the requested withdrawal amount by selecting a withdrawal option that corresponds to an amount greater than or equal to the requested withdrawal amount.

[0060] Incidentally, as mentioned above, while working-age users tend to manage their assets for the purpose of increasing their wealth, they may also want to draw down their principal in the event of unexpected expenses. Therefore, the display processing unit 233 may display all withdrawal candidates on the display unit in a manner that allows for the identification of withdrawal candidates with high priority. For example, the display processing unit 233 may determine the withdrawal candidates set in the withdrawal candidate table shown in Figures 5 to 7 as withdrawal candidates with high priority.

[0061] Figure 9 shows another example of the display of withdrawal options. As shown in item (3) of Figure 9, the display processing unit 233 displays all three withdrawal options, but displays the text "←Recommended" to the right of the withdrawal option "Up to dividends / distributions," which has a higher priority. This allows users to avoid drawing down their principal by normally selecting "Up to dividends / distributions," but to select "Up to unrealized gains" or "Up to principal" in the event of unexpected expenses, enabling flexible asset management.

[0062] The display processing unit 233 may display dispensing candidates on the display unit based on dispensing candidates previously proposed to users other than the requesting user. For example, the display processing unit 233 refers to a past proposal table stored in the storage unit 22, which associates users, user attributes, and dispensing candidates previously proposed to users, and displays dispensing candidates associated with users whose attributes are similar to or greater than a threshold for the requesting user's attributes on the display unit. The proposed dispensing candidates are, for example, those previously proposed to the user by a professional advisor. In this way, the display processing unit 233 displays dispensing candidates previously proposed to users with similar attributes to the requesting user on the display unit, increasing the probability of proposing an appropriate dispensing candidate for the requesting user.

[0063] The display processing unit 233 may display withdrawal candidates on the display unit based on the user's financial situation. For example, if the financial situation indicated by the attribute data for the requesting user is in surplus, the display processing unit 233 will display a proposal on the display unit to add a first amount (dividends / distributions) or a second amount (dividends / distributions plus unrealized gains) to the principal. On the other hand, if the financial situation indicated by the attribute data for the requesting user is in deficit, the display processing unit 233 will display a withdrawal candidate on the display unit equivalent to the amount needed to turn the deficit into a surplus. In this way, the display processing unit 233 displays appropriate proposals according to the requesting user's financial situation, enabling the requesting user to efficiently increase their assets.

[0064] However, if the display processing unit 233 displays the third amount (the amount obtained by adding unrealized gains and principal to dividends and distributions) as a withdrawal candidate, there is a risk that if the entire principal is withdrawn, the amount available for investment by the requesting user will decrease or become zero. Therefore, the display processing unit 233 may display only a portion of the third amount as a withdrawal candidate, rather than the entire third amount. The display processing unit 233 may make the portion amount smaller the greater the decrease in the requesting user's assets. By displaying only a portion of the third amount as a withdrawal candidate in this way, the display processing unit 233 can prevent the entire principal from being withdrawn, which would reduce or eliminate the amount available for investment.

[0065] Furthermore, the display processing unit 233 may display a warning message to prevent the requesting user's available funds from becoming too low or even zero. For example, if the available funds remaining after the requesting user's requested withdrawal amount is withdrawn from the principal fall below a threshold, the display processing unit 233 will display a warning message to the requesting user who has selected a third amount as a withdrawal candidate. The warning message may be, for example, "At this rate, your deposit will approach zero," or "Let's review your spending." By displaying a warning message in this way, the display processing unit 233 enables the requesting user to take action by reviewing their spending, such as not withdrawing from the principal or reviewing the requested withdrawal amount. As a result, it is possible to prevent the requesting user's available funds from becoming too low or even zero.

[0066] The payout decision unit 234 decides to pay out dividends and distributions associated with the requesting user, prioritizing them over the principal associated with the requesting user, to the requesting user who made the payout request. For example, in the price management table shown in Figure 4, the payout decision unit 234 decides to pay out dividends and distributions associated with the user ID of the requesting user, prioritizing them over the principal associated with the user ID of the requesting user indicated in the payout request information received by the reception unit 232. By deciding to pay out dividends and distributions prioritizing them over the principal in this way, the payout decision unit 234 can suppress losses incurred by the user due to the depletion of the principal.

[0067] The payout decision unit 234 may decide to pay out dividends / distributions, unrealized gains, and principal in that order, as associated with the requesting user. For example, suppose the payout candidate indicated by the selection candidate information entered into the payout decision unit 234 is "up to principal". In this case, if the requesting user's payout amount is less than or equal to the dividends / distributions, the payout decision unit 234 decides to pay out the dividends / distributions. Also, if the requesting user's payout amount is greater than the dividends / distributions and less than or equal to the sum of the dividends / distributions and unrealized gains, the payout decision unit 234 decides to pay out the dividends / distributions and unrealized gains. Furthermore, if the requesting user's payout amount is greater than the sum of the dividends / distributions and unrealized gains and less than or equal to the sum of the dividends / distributions, unrealized gains, and principal, the payout decision unit 234 decides to pay out the dividends / distributions, unrealized gains, and principal.

[0068] In this way, the payout decision unit 234 decides to pay out dividends / distributions, unrealized gains, and principal in that order, thereby suppressing the depletion of the principal. Furthermore, even if the principal is depleted, the amount depleted can be reduced.

[0069] The payout decision unit 234 may decide to pay out the amount indicated by the payout candidate selected by the requesting user from among the displayed payout candidates. For example, the payout decision unit 234 may decide to pay out the amount corresponding to the payout candidate indicated by the selected candidate information entered into the payout decision unit 234 (dividends / distributions, the sum of dividends / distributions and unrealized gains, or the sum of dividends / distributions, unrealized gains and principal). By allowing users to select the scope of the payout themselves in this way, a user who selects the payout candidate "up to dividends / distributions" can receive income without the risk of depleting the principal, while a user who selects the payout candidate "up to principal" can receive an amount equivalent to the full amount of the payout request.

[0070] The payout decision unit 234 may decide to pay out an amount from the requesting user's payout request amount that can be covered by the amount indicated by the payout candidate selected by the requesting user from among the displayed payout candidates. For example, the payout decision unit 234 may decide to pay out an amount from the payout request amount indicated by the payout request information received by the reception unit 232 that can be covered by the amount corresponding to the payout candidate indicated by the selected candidate information entered into the payout decision unit 234 (dividends / distributions, the sum of dividends / distributions and unrealized gains, or the sum of dividends / distributions, unrealized gains and principal).

[0071] The timing and amount of the payouts made by the payout decision unit 234 can be flexibly set. For example, the payout decision unit 234 may decide to pay out amounts in odd-numbered months after the user initially selects a payout candidate and inputs the requested payout amount. This allows senior users to receive regular income in months other than even-numbered months when pensions are paid, thus stabilizing their lives.

[0072] Furthermore, the withdrawal decision unit 234 may decide to withdraw an amount up to a predetermined percentage of the market value of the financial instrument. According to one study, if the amount withdrawn from assets each year can be kept within 4% of the assets, the probability of the assets running out even after 30 years is very low. Therefore, the withdrawal decision unit 234 may decide to withdraw, for example, an amount that can be covered by multiplying the latest price associated with the requesting user's user ID in the price management table shown in Figure 4 by 4%. In this way, by deciding to withdraw an amount up to a predetermined percentage of the market value, the user can receive regular income from their assets with peace of mind without worrying about running out of retirement funds.

[0073] The disbursement decision unit 234 transmits disbursement notification information indicating the amount to be disbursed to the information terminal 1 used by the requesting user. This allows the requesting user to understand that the disbursement has been executed and the amount disbursed.

[0074] [Determining asset management policy] The method for determining the asset management policy in this embodiment will be explained with reference to the screens shown in Figures 8 and 9 (hereinafter referred to as the "management selection screen"). Broadly speaking, there are seven types of management policies, as shown below.

[0075] The first investment policy is to pay out the entire amount of dividends and distributions. In this investment policy, the user selects "Automatically withdraw to bank account (yen)" in item (1) on the investment selection screen, leaves the amount blank in item (2), and selects "Up to dividends and distributions" in item (3). As a result, the payout decision unit 234 decides to pay out the entire amount of dividends and distributions.

[0076] The second investment strategy involves reinvesting the entire amount of dividends and distributions. With this strategy, the user selects "Reinvest in dollars" in item (1) on the investment selection screen. As a result, no withdrawal of funds is made, and the entire amount of dividends and distributions is added to (reinvested in) the principal.

[0077] The third investment strategy involves keeping the entire amount of dividends and distributions in the main account. In this strategy, the user selects "Keep in dollars in the main account" in item (1) on the investment selection screen. As a result, no withdrawal of funds is made, and the entire amount of dividends and distributions is added to the account balance at the financial institution.

[0078] The fourth investment strategy involves paying out the full amount of dividends and distributions, as well as the full amount of unrealized gains. In this strategy, the user selects "Automatically withdraw to bank account (yen)" in item (1) on the investment selection screen, leaves the amount blank in item (2), and selects "Up to unrealized gains" in item (3). As a result, the payout decision unit 234 decides to pay out the full amount of dividends and distributions, as well as the full amount of unrealized gains.

[0079] The fifth investment policy is to decide to pay out the requested withdrawal amount if it can be covered by dividends / distributions, and to pay out the entire amount of dividends / distributions if it cannot be covered by dividends / distributions. With this investment policy, the user selects "Automatically withdraw to bank account (yen)" in item (1) on the investment selection screen, enters the amount in item (2), and selects "Up to dividends / distributions" in item (3).

[0080] Figure 10 is a diagram illustrating the withdrawal process when "up to dividends / distributions" is selected. As shown in Figure 10(a), if the requested withdrawal amount is less than or equal to the dividends / distributions, the withdrawal decision unit 234 decides to withdraw an amount from the dividends / distributions that is equivalent to the requested withdrawal amount, and to add the remaining balance after the withdrawal (after subtracting the requested withdrawal amount from the dividends / distributions) to the principal (reinvest). As shown in Figure 10(b), if the requested withdrawal amount is greater than the dividends / distributions, the withdrawal decision unit 234 decides to withdraw the entire amount of the dividends / distributions.

[0081] The sixth investment policy is to decide to pay out the requested withdrawal amount if it can be covered by dividends / distributions, and to pay out the full amount of dividends / distributions plus any unrealized gains if it cannot be covered by dividends / distributions. With this investment policy, the user selects "Automatically withdraw to bank account (yen)" in item (1) on the investment selection screen, enters the amount in item (2), and selects "Up to unrealized gains" in item (3).

[0082] Figure 11 is a diagram illustrating the withdrawal process when "up to unrealized gains" is selected. As shown in Figure 11(a), if the requested withdrawal amount is less than or equal to the dividends / distributions, the withdrawal decision unit 234 decides to withdraw an amount from the dividends / distributions that is equivalent to the requested withdrawal amount, and decides to add the remaining balance after the withdrawal (after subtracting the requested withdrawal amount from the dividends / distributions) to the principal (reinvest).

[0083] As shown in Figure 11(b), if the requested withdrawal amount is greater than the dividends / distributions and less than or equal to the sum of the dividends / distributions and the unrealized gains, the withdrawal decision unit 234 decides to withdraw the full amount of the dividends / distributions and the amount of the unrealized gains obtained by subtracting the full amount of the dividends / distributions from the requested withdrawal amount. As shown in Figure 11(c), if the requested withdrawal amount is greater than the sum of the dividends / distributions and the unrealized gains, the withdrawal decision unit 234 decides to withdraw the full amount of the dividends / distributions and the full amount of the unrealized gains.

[0084] The seventh investment policy is to decide to pay out the requested withdrawal amount if it can be covered by dividends / distributions, and to pay out the full amount of dividends / distributions plus unrealized gains and principal if it cannot be covered by dividends / distributions. With this investment policy, the user selects "Automatically withdraw to bank account (yen)" in item (1) on the investment selection screen, enters the amount in item (2), and selects "Up to principal" in item (3).

[0085] Figure 12 is a diagram illustrating the withdrawal process when "up to principal" is selected. As shown in Figure 12(a), if the requested withdrawal amount is less than or equal to the dividends / distributions, the withdrawal decision unit 234 decides to withdraw an amount from the dividends / distributions that is equivalent to the requested withdrawal amount, and decides to add the remaining balance after the withdrawal (after subtracting the requested withdrawal amount from the dividends / distributions) to the principal (reinvest).

[0086] As shown in Figure 12(b), if the requested withdrawal amount is greater than the dividends / distributions and less than or equal to the sum of the dividends / distributions and the unrealized gains, the withdrawal decision unit 234 decides to withdraw the full amount of the dividends / distributions and the amount of the unrealized gains obtained by subtracting the full amount of the dividends / distributions from the requested withdrawal amount. As shown in Figure 12(c), if the requested withdrawal amount is greater than the sum of the dividends / distributions and the unrealized gains and less than or equal to the sum of the dividends / distributions, the unrealized gains and the principal, the withdrawal decision unit 234 decides to withdraw the full amount of the dividends / distributions, the full amount of the unrealized gains, and the amount of the principal obtained by subtracting the full amount of the dividends / distributions and the full amount of the unrealized gains from the requested withdrawal amount.

[0087] As outlined in the fifth, sixth, and seventh operational policies, if the requested withdrawal amount is less than or equal to the dividend / distribution amount, the withdrawal decision unit 234 decides to add the remaining balance (after subtracting the requested withdrawal amount from the dividend / distribution amount) to the principal (reinvest it). This allows the user to increase their assets through reinvestment while simultaneously earning income from their assets.

[0088] [Processing flow for determining the payout amount] This section explains the processing flow related to determining the payout amount, which is performed by the information processing device 2. Figure 13 is a flowchart showing the processing flow related to determining the payout amount.

[0089] The reception unit 232 determines whether or not there is a withdrawal request from the user (S1). For example, the reception unit 232 determines that there is a withdrawal request from the user if "Automatically withdraw to bank account (yen)" is selected in item (1) of the operation selection screen shown in Figures 8 and 9, while determining that there is no withdrawal request from the user if "Reinvest in dollars" or "Keep in main account in dollars" is selected.

[0090] If the reception unit 232 determines that there is no withdrawal request from the user (S1: NO), the withdrawal will not be performed (S2). On the other hand, if the reception unit 232 determines that there is a withdrawal request from the user (S1: YES), the withdrawal decision unit 234 determines whether the withdrawal request amount entered by the user in item (2) on the operation selection screen is less than or equal to the dividend / distribution amount (S3).

[0091] If the withdrawal decision unit 234 determines that the requested withdrawal amount is less than or equal to the dividends / distributions (S3: YES), the withdrawal decision unit 234 decides to withdraw an amount equivalent to the requested withdrawal amount and to add the remaining balance after the withdrawal (after subtracting the requested withdrawal amount from the dividends / distributions) to the principal (reinvest) (S4).

[0092] On the other hand, if the withdrawal decision unit 234 determines that the requested withdrawal amount is greater than the dividend / distribution amount (S3: NO), the withdrawal decision unit 234 determines whether the withdrawal candidate selected by the user in item (3) on the investment selection screen is "up to the dividend / distribution amount" (S5). If the withdrawal decision unit 234 determines that the withdrawal candidate selected by the user is "up to the dividend / distribution amount" (S5: YES), the withdrawal decision unit 234 decides to withdraw the full amount of the dividend / distribution amount (S6).

[0093] On the other hand, if the payout decision unit 234 determines that the payout candidate selected by the user is not "up to dividends / distributions" (S5: NO), the payout decision unit 234 determines whether the payout candidate selected by the user in item (3) on the investment selection screen is "up to unrealized gains" (S7). If the payout decision unit 234 determines that the payout candidate selected by the user is "up to unrealized gains" (S7: YES), the payout decision unit 234 decides to pay out an amount within the range of unrealized gains (S8).

[0094] On the other hand, if the payout decision unit 234 determines that the payout candidate selected by the user is not "up to the unrealized gain" (S7: NO), then the remaining "up to the principal" is selected as the payout candidate. In this case, the payout decision unit 234 decides to pay out an amount within the range of the principal (S9).

[0095] [Effects of Information Processing Device 2] As explained above, the memory unit 22 stores the principal used to purchase the financial product and the dividends or distributions obtained from managing the financial product, associating them with the user. This allows the withdrawal decision unit 234 to decide to prioritize the payment of dividends or distributions associated with the requesting user over the principal associated with the requesting user when the requesting user has made a withdrawal request. As a result, the user can obtain income by converting the financial product into cash while suppressing the occurrence of losses due to drawing down the principal.

[0096] Furthermore, the display processing unit 233 displays at least one of the following withdrawal options on the display unit 12 of the information terminal 1 used by the user: "up to dividends / distributions," "up to unrealized gains," or "up to principal." The withdrawal decision unit 234 then decides to withdraw the amount indicated by the withdrawal option selected by the user from among the displayed withdrawal options. This allows the user to control the amount to be withdrawn and the amount of assets to be left invested in financial products, enabling flexible asset management.

[0097] Although the present invention has been described above using embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes are possible within the scope of its gist. For example, all or part of the apparatus can be configured by functionally or physically distributing and integrating in any unit. Furthermore, new embodiments resulting from any combination of multiple embodiments are also included in the embodiments of the present invention. The effects of the new embodiments resulting from the combinations are combined with the effects of the original embodiments. [Explanation of Symbols]

[0098] 1. Information terminal 11 Terminal Communication Unit 12 Display section 13 Storage section 14 Control Unit 141 Display Processing Unit 142 Input Reception Section 2. Information Processing Device 21. Device Communication Unit 22 Memory section 23 Control Unit 231 Acquisition Department 232 Reception Department 233 Display Processing Unit 234 Payout Decision Section S Information Processing System

Claims

1. A storage unit that stores the principal used to purchase financial products and the dividends or distributions obtained from managing financial products, associating them with the user. A receiving unit that receives a withdrawal request from the user, A withdrawal determination unit that determines to prioritize the payment of dividends or distributions associated with the requesting user over the principal associated with the requesting user, to the requesting user who made the withdrawal request, An information processing device having

2. The memory unit further stores the unrealized gains on the financial instruments in association with the user, The payment determination unit determines to pay out the dividends or distributions associated with the requesting user, the unrealized gains, and the principal in that order. The information processing apparatus according to claim 1.

3. The system further includes a display processing unit that causes the display unit to display at least one of the following withdrawal candidates: information indicating that the withdrawal target to be applied to the withdrawal request amount requested by the requesting user is a first amount corresponding to the dividend or distribution; information indicating that the withdrawal target is a second amount obtained by adding the unrealized gain on the financial instrument to the first amount; or information indicating that the withdrawal target is a third amount obtained by adding the principal to the second amount. The disbursement determination unit decides to disburse the amount indicated by the disbursement candidate selected by the requesting user from among the displayed disbursement candidates. The information processing apparatus according to claim 1.

4. The storage unit further stores a first payout candidate table in which the user's attributes and the payout candidates to be displayed are associated, The display processing unit causes the display unit to display the payout candidates associated with the attributes of the requesting user in the first payout candidate table. The information processing apparatus according to claim 3.

5. The memory unit further stores a second payout candidate table in which the investment purpose of the financial product and the payout candidates to be displayed are associated, The display processing unit causes the display unit to display the withdrawal candidates in the second withdrawal candidate table that are associated with the investment purpose for which the requesting user invests in the financial product. The information processing apparatus according to claim 3.

6. The storage unit further stores a third payout candidate table, which associates the answer result, which is the result of the user's answer to the question for determining the payout candidate to be displayed, with the payout candidate to be displayed. The display processing unit causes the display unit to display the payout candidates associated with the response results of the requesting user in the third payout candidate table. The information processing apparatus according to claim 3.

7. The storage unit further stores a past proposal table in which the user, the user's attributes, and the disbursement candidates previously proposed to the user are associated, The display processing unit refers to the past proposal table and displays the payout candidates associated with the user having attributes that are more or less similar to the requesting user's attributes than a certain threshold on the display unit. The information processing apparatus according to claim 3.

8. The storage unit further stores attribute data indicating the user's financial status, If the balance sheet for the requesting user is in surplus as indicated by the attribute data, the display processing unit will display a proposal on the display unit indicating that the first amount or the second amount should be added to the principal. If the balance sheet for the requesting user is in deficit as indicated by the attribute data, the display processing unit will display a payout candidate on the display unit corresponding to the amount necessary to turn the deficit into a surplus. The information processing apparatus according to claim 3.

9. The disbursement determination unit decides to disburse an amount from the requested disbursement amount that can be covered by the amount indicated by the disbursement candidate selected by the requesting user from among the displayed disbursement candidates. The information processing apparatus according to claim 3.

10. The withdrawal decision unit decides to withdraw up to an amount obtained by multiplying the market value of the financial instrument by a predetermined percentage. The information processing apparatus according to claim 1.

11. An information processing method performed by a computer having a memory unit that stores the principal used to purchase financial products and the dividends or distributions obtained from managing financial products in association with a user, A receiving step in which a withdrawal request is received from the user, A withdrawal decision step in which it is decided to prioritize the payment of dividends or distributions associated with the requesting user to the requesting user, who is the user who made the withdrawal request, over the principal associated with the requesting user; An information processing method having

12. A processor in an information processing device having a memory unit that stores the principal used to purchase financial products and the dividends or distributions obtained from managing financial products in association with the user, A receiving unit that receives a withdrawal request from the user, A withdrawal determination unit that determines to prioritize the payment of dividends or distributions associated with the requesting user over the principal associated with the requesting user, to the requesting user who made the withdrawal request, A program designed to function as such.

13. The system comprises an information processing device having a storage unit that stores the principal used to purchase financial products and dividends or distributions obtained from managing financial products in association with the user, and an information terminal capable of communicating with the information processing device, The aforementioned information processing device is A receiving unit that receives a withdrawal request from the user, A withdrawal determination unit that determines to prioritize the payment of dividends or distributions associated with the requesting user over the principal associated with the requesting user, to the requesting user who made the withdrawal request, It has, The aforementioned information terminal is A terminal communication unit transmits information indicating the request for the aforementioned payment to the information processing device and receives payment notification information indicating that the payment decision unit has decided to pay out the dividend or distribution. When the terminal communication unit receives the payout notification information, the terminal communication unit has a display unit that displays the amount of the dividend or distribution that the payout decision unit has decided to pay out, Having, Information processing system.

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