Methods, apparatus, and programs for proposing financial products

Abstract

Visualize cash flow to propose more appropriate financial products. [Solution] The method comprises: the processor receiving information from an input device indicating the selection of a cash flow item; the processor receiving from an input device information indicating a first net cash balance at a first point in time and information indicating one or more values ​​relating to the selected cash flow item; the processor calculating the quantity of a financial instrument based on the first net cash balance at a first point in time and one or more values; and the processor displaying the quantity information on a display device.

Description

[Technical Field]

[0001] This disclosure relates to methods, apparatus, and programs for proposing financial products. In the current state of insurance sales, agents and others narrow down and design insurance products that customers want, taking into account the customer's attributes and needs, and make customized proposals. [Overview of the Initiative] [Problems that the invention aims to solve]

[0002] When narrowing down and designing insurance products to meet customer needs and offering customized proposals, the following problems have been pointed out: (1) Due to the complexity of insurance products, there are limitations to consumers' understanding of the product content; (2) Consumers who do not immediately feel the need for insurance have difficulty accurately grasping their own needs; and (3) Unless they gather information on and understand the content of other options, such as other insurance products or the addition of riders, it is difficult for them to make a final judgment on whether the insurance product they intend to purchase truly matches their needs.

[0003] On the other hand, there is a growing need for life planning tailored to the diverse circumstances and outlooks of each household. For example, it is important to visualize ultra-long-term cash flow simulations and then propose financial products, including insurance products, more appropriately based on pre-selected customer preference algorithms. Therefore, it is crucial to visualize cash flow and propose financial products more appropriately. [Means for solving the problem]

[0004] The method relating to the first aspect of this disclosure comprises: the processor receiving information from an input device indicating the selection of a cash flow item; the processor receiving information from the input device indicating a first net cash balance at a first point in time and information indicating one or more values ​​relating to the selected cash flow item; the processor calculating a quantity of a financial instrument based on the first net cash balance at a first point in time and one or more values; and the processor displaying information indicating the quantity on a display device. Here, the first point in time is, for example, the present time. The first net cash balance is, for example, the net cash balance at the present time or the projected net cash balance, without considering the cash flows of the proposed financial instrument described later. The one or more values ​​corresponding to the cash flow item are, for example, values ​​entered in the simplified input form or general format editing screen described later. The financial instrument is, for example, the proposed financial instrument described later.

[0005] The method relating to the second aspect of this disclosure comprises: the processor receiving information from an input device indicating the selection of a cash flow item; the processor receiving information from an input device indicating a first net cash balance at a first point in time and information indicating one or more values ​​relating to the selected cash flow item; the processor calculating a first net cash balance for a period included after the first point in time based on the first net cash balance at the first point in time and one or more values; the processor calculating a quantity of a financial instrument based on the first net cash balance for the period; the processor calculating a second net cash balance by adding the cumulative cash flows generated from the quantity of financial instruments to the first net cash balance; and the processor displaying a graph on a display device showing the changes in the second net cash balance for the period. Here, the second net cash balance is, for example, the current net cash balance or projected net cash balance, taking into account the cash flows of the proposed financial instrument described below.

[0006] The method relating to the third aspect of this disclosure further comprises, in the method relating to the second aspect, the processor displaying on a display device a graph showing the change in the first net cash balance over a period of time.

[0007] The fourth aspect of the method relating to this disclosure further comprises, in the first or second aspect of the method, the processor displaying an input form corresponding to a cash flow item on a display device, wherein one or more values ​​are values ​​entered into the input form. Here, the input form is, for example, a simplified input form displayed on a simplified input screen described later.

[0008] The fifth aspect of the method relating to the disclosure is a method relating to the second aspect, wherein the cash flow items and financial instruments are associated with one or more first functions, each defined by the values ​​of one or more parameters, which return an amount of cumulative cash flow for a given point in time, and the one or more parameters include a parameter that identifies the timing of the cash flow occurrence in the cumulative cash flow and a parameter that identifies the amount of the cash flow, and the processor calculating a first net cash balance for a period or a second net cash balance for a period includes calculating a sum of the values ​​of one or more first functions based on the values ​​of one or more parameters and one or more values, where the one or more first functions are, for example, the general format functions described below.

[0009] The method relating to the sixth aspect of this disclosure is a method relating to the fifth aspect in which the parameters for identifying the timing of cash flow occurrence consist of the start time of cash flow, the end time of cash flow, the cash flow occurrence period, the cash flow occurrence frequency, and the number of cash flow occurrences, and the parameters for identifying the cash flow amount consist of the base amount of cash flow at the base time, the rate of change of the cash flow amount, and the period of change of the cash flow amount.

[0010] The method according to the seventh aspect of the present disclosure is the method according to the fifth aspect, wherein the value of at least one parameter of one or more parameters includes a mathematical formula, the mathematical formula includes one or more second functions each taking an argument, the input form includes a display of the value specified for the argument, and the processor further calculates the value of the mathematical formula generated by evaluating one or more second functions with one or more values and sets the value of at least one parameter. Here, one or more second functions are, for example, the form input value acquisition functions described later.

[0011] The method according to the eighth aspect of the present disclosure is the method according to the fifth aspect, further comprising the processor causing the display device to display a screen for the user to input the value of one or more parameters, and the processor receiving information indicating the value of the input one or more parameters from the input device. Here, the screen is, for example, the general format editing screen described later.

[0012] The method according to the ninth aspect of the present disclosure is the method according to the first aspect or the second aspect, wherein the financial product includes at least one of an insurance product and a loan product.

[0013] The method according to the tenth aspect of the present disclosure is the method according to the second aspect, wherein the financial product includes a financial product that brings a cash inflow when the first net cash balance is less than a threshold value. Here, the threshold value is, for example, the buffer described later.

[0014] The method according to the 11th aspect related to the present disclosure, in the method according to the 2nd aspect, the processor calculating the quantity of the financial product based on the first net cash balance during the period is based on the constraint condition based on the comparison between the second net cash balance at one or more time points and the threshold value at one or more time points. The processor obtaining the quantity for which a predetermined function takes the maximum value, extreme value, minimum value, or extreme minimum value with respect to the value of the second net cash balance at one or more time points.

[0015] The method according to the 12th aspect related to the present disclosure, in the method according to the 11th aspect, the constraint condition includes the condition that the second net cash balance is greater than or equal to the threshold value, and the predetermined function is a function that returns the weighted average value of the values at one or more time points with respect to the value of the second net cash balance at one or more time points, or a function that returns the variance of the values at one or more time points.

[0016] The method according to the 13th aspect related to the present disclosure, in the method according to the 11th aspect, the processor obtaining the quantity includes the processor obtaining the quantity using linear programming or quadratic programming.

[0017] The apparatus according to the 14th aspect related to the present disclosure includes an input device, a processor, and a display device. The processor is configured to receive information indicating the selection of the cash flow item from the input device, receive information indicating the first net cash balance at the first time point and information indicating one or more values related to the selected cash flow item from the input device, calculate the quantity of the financial product based on the first net cash balance and one or more values at the first time point, and display the information indicating the quantity on the display device.

[0018] The apparatus relating to the 15th aspect of this disclosure comprises an input device, a processor, and a display device, wherein the processor performs the following actions: receiving from the input device information indicating a first net cash balance at a first point in time and information indicating one or more values ​​relating to selected cash flow items; calculating a first net cash balance for a period included from the first point in time onward based on the first net cash balance at the first point in time and one or more values; calculating the quantity of financial instruments based on the first net cash balance for the period; the processor calculating a second net cash balance by adding the cumulative cash flows generated from the quantity of financial instruments to the first net cash balance; and the processor causing the display device to display a graph showing the change in the second net cash balance for the period.

[0019] The program relating to the 16th aspect of this disclosure, when executed, causes a computer to perform one of the methods relating to the first to third, fifth to eighth, and tenth to thirteenth aspects. [Brief explanation of the drawing]

[0020] [Figure 1] Figure 1 shows an example of the configuration of the financial product proposal device related to this disclosure. [Figure 2] Figure 2 shows an example of the operation flow for registering a template using the general format related to this disclosure. [Figure 3A] Figure 3A shows an example of the template registration screen displayed in step S110. [Figure 3B] Figure 3B shows an example of the general formatting editing screen displayed in step S140. [Figure 3C] Figure 3C shows an example of the template registration screen displayed in step S110. [Figure 3D] Figure 3D shows another example of the general formatting editing screen displayed in step S140. [Figure 3E] Figure 3E shows another example of the general formatting editing screen displayed in step S140. [Figure 3F] Figure 3F shows another example of the general formatting editing screen displayed in step S140. [Figure 3G] Figure 3G shows another example of the general formatting editing screen displayed in step S140. [Figure 3H] Figure 3H shows another example of the general formatting editing screen displayed in step S140. [Figure 3I] Figure 3I shows another example of the general formatting editing screen displayed in step S140. [Figure 3J] Figure 3J shows another example of the general formatting editing screen displayed in step S140. [Figure 3K] Figure 3K shows another example of the general formatting editing screen displayed in step S140. [Figure 3L] Figure 3L shows another example of the general formatting editing screen displayed in step S140. [Figure 3M] Figure 3M shows another example of the general formatting editing screen displayed in step S140. [Figure 3N] Figure 3N shows another example of the general formatting editing screen displayed in step S140. [Figure 4A] Figure 4A shows an example of the operational flow of the financial product proposal related to this disclosure. [Figure 4B] Figure 4B shows an example of the operation flow of step S220 in Figure 4A. [Figure 5A] Figure 5A shows an example of the current family structure settings screen. [Figure 5B] Figure 5B shows an example of a life planning information input screen. [Figure 5C] Figure 5C shows an example of a template selection screen. [Figure 5D] Figure 5D shows an example of a simplified input screen. [Figure 5E] Figure 5E shows an example of the life plan information input screen after the process returns to step S410 in Figure 4B. [Figure 6] Figure 6 shows an example of the display screen in step S240. [Figure 7]Figure 7 shows an example of the calculation in step S250. [Figure 8] Figure 8 shows an example of the calculation in step S250. [Figure 9A] Figure 9A shows an example of the calculation in step S250 and the display screen in step S260. [Figure 9B] Figure 9B shows another example of the calculation in step S250 and another example of the display screen in step S260. [Figure 10] Figure 10 is an operation flow showing another example of the calculation in step S250. [Modes for carrying out the invention]

[0021] Figure 1 shows an example of the configuration of the financial product suggestion device 100 related to this disclosure. The financial product suggestion device 100 comprises an input device 110, a processor 120, a memory 130, and a display device 140. In one example, the financial product suggestion device 100 is a computer such as a smartphone, a tablet terminal device, or a personal computer.

[0022] The input device 110 receives input from the user of the financial product proposal device 100 and passes the received input to the processor 120. For example, if the financial product proposal device 100 is a smartphone or tablet terminal, the input device 110 is a projected capacitive touch panel or a resistive touch panel connected to the processor 120 by wire or wireless connection. For example, if the client is a personal computer, the input device 110 is a keyboard and / or mouse connected to the processor 120 by wire or wireless connection.

[0023] The processor 120 receives input from the input device 110. If the input device 110 is a touch panel, the processor 120 receives location information from the input device 110 indicating the touched location, and determines the type of input based on the location information and the control information of the screen displayed on the display device 140. If the input device 110 includes a keyboard and / or mouse, the processor 120 receives press information from the input device 110 indicating the pressed key or button, and determines the type of input based on the press information and the control information of the screen displayed on the display device 140, in response to the input device 110 detecting that a key on the keyboard or a button on the mouse has been pressed. The control information of the screen includes, for example, information about a widget displayed at the location indicated by the location information, and information about a widget that has control at the time the press information is received.

[0024] Widgets include, for example, button widgets (buttons), text field widgets (fields), combo box widgets (combo boxes), and checkbox widgets (checkboxes). A button widget, for example, displays a button that processor 120 can detect clicks or taps on. For the sake of brevity, in this specification, detecting a button click or tap may be simply referred to as detecting a button press, and the case in which a button click or tap is detected may be simply referred to as the case in which a button is pressed.

[0025] The display device 140 displays a text value via a text field widget, the input device 110 accepts editing input for the content of the displayed text value, and the processor 120 can receive information indicating the content of the edited text value. In this specification, for the sake of brevity, receiving information indicating the content of a text value may simply be referred to as receiving a text value input or receiving a text value. Furthermore, the text value may represent a number or a string of characters.

[0026] The display device 140 displays multiple options via a combo box widget, the input device 110 receives input for selecting one of these options, and the processor 120 receives information indicating the selected option. In this specification, for the sake of brevity, receiving information indicating an option may also be simply referred to as receiving input for an option or receiving an option.

[0027] The input device 110 can receive editing input to show or hide a check mark via the checkbox widget, and the processor 120 can receive information indicating whether the check mark is shown or hidden.

[0028] For example, using Flutter, a software development framework, button widgets (buttons), text field widgets (fields), combo box widgets (combo boxes), and checkbox widgets (checkboxes) can be implemented using the ElevatedButton class, TextFormField class, DropdownButton class, and Checkbox class, respectively. Alternatively, the above UI can be implemented using Material UI, a component library for React, another software development framework, by using the Button component, TextField component, MenuItem component, Select component, and Checkbox component. Furthermore, if the field content is a date, month, year, or fiscal year, the system may accept editing input for the displayed text value, or alternatively, accept selection input via a date picker widget that allows the user to select a date through a GUI.

[0029] In the drawings referenced herein, for clarity of explanation, combo box options are shown in italics, and fields where values ​​can be edited are underlined. However, these decorations may be replaced with any other decorations or omitted.

[0030] The processor 120 can also draw graphs on the display device 140 using any graph drawing library. Examples of graph drawing libraries include Flutter's fl_chart and charts_flutter, and React's Chart.js, Recharts, and ECharts for React.

[0031] The processor 120 is not particularly limited, as long as it can perform the functions described herein by flowcharts by reading and executing programs stored in memory 130. The processor 120 is, for example, a CPU, GPU, ASIC, FPGA, or quantum computer.

[0032] Memory 130 is connected to the processor 120 and stores data or information received from the processor 120. The processor 120 can read the data or information stored in memory 130. Memory 130 is, for example, volatile memory such as DRAM or SRAM, or non-volatile memory such as ROM, flash memory (registered trademark), hard disk, MRAM, ReRAM, or a combination thereof.

[0033] The display device 140 displays information to the user of the financial product proposal device 100 in response to instructions from the processor 120. In one example, the display device 140 is a liquid crystal display device or an organic EL display device connected to the processor 120 by wire or wireless connection. In another example, the display device 140 is a voice display device that displays information by reading the displayed content aloud. Hereinafter, a tablet terminal device will be used as an example of the financial product proposal device 100, and an application (app) installed on the tablet terminal device will be used as an example of a program for explanation.

[0034] Figure 2 shows an example of the operation flow for registering a template using the general format relating to this disclosure. Here, the general format is a format for specifying the values ​​of parameters that define a function representing the cash flow or cumulative cash flow at a given point in time. Parameters specified in the general format include, for example, parameters that specify the timing of cash flow occurrence, parameters that specify the amount of cash flow, and parameters that specify the cash flow category. The parameter that specifies the timing of cash flow occurrence is not particularly limited as long as it can specify one or more points in time (timing) when cash flow occurs, but examples include the start of cash flow, the end of cash flow, the cash flow occurrence cycle, the frequency of cash flow occurrence, and the number of cash flow occurrences.

[0035] In one example, the parameters for identifying the timing of cash flow occurrence may consist of the start time of cash flow, the end time of cash flow, the cash flow occurrence period, the cash flow occurrence frequency, and one of the number of cash flow occurrences. Also in one example, the parameters for identifying the cash flow amount may consist of the base amount of cash flow at the base time, the rate of change of the cash flow amount, and the period of change of the cash flow amount.

[0036] Cash flow is calculated by subtracting cash outflow from cash inflow, and can also be referred to as cash inflow. Cash inflow can also be referred to as income. Cash outflow can also be referred to as expenses. Cumulative cash flow at time t is the sum of all cash flows that occurred from the time the first cash flow occurred until time t. Cumulative cash flow at any point in time prior to the time the first cash flow occurred can be considered zero.

[0037] In one example, a financial product is based on a contract relating to cash flows between a user and a third party. The third party is, for example, the provider of the financial product. Financial products include, for example, insurance products (insurance contracts) and loan products (loan contracts). The user's cash inflows arising from the financial product correspond to the third party's cash outflows arising from the financial product. The user's cash outflows arising from the financial product correspond to the third party's cash inflows arising from the financial product.

[0038] A cash flow item is an item associated with a single cash flow, or an item associated with a combination of related cash flows. A combination of related cash flows may be based on an agreement between the user and the provider of a financial product. Cash flow items may also be referred to as items corresponding to composite cash flows, items associated with composite cash flows, items corresponding to composite cash flows, or items associated with composite cash flows. Examples of cash flow items include university tuition associated with related annual tuition fees, life insurance products (or life insurance contracts) or personal annuity insurance products (or personal annuity insurance contracts) associated with a combination of related premium payments and maturity benefits, and mortgages (or mortgage contracts) associated with a combination of related housing purchase payment income and loan repayment expenses. In this disclosure, templates corresponding to cash flow items may be pre-registered prior to the input of life planning information, and in this specification, this disclosure is described by associating templates with cash flow items.

[0039] In one example, the processor 120 executes the operation flow. First, in step S110, the processor 120 displays the template registration screen on the display device 140.

[0040] Figure 3A shows an example of the template registration screen displayed in step S110. The template registration screen 300a includes a registered template list display 302a, an add button 304, and an exit button 306. The template registration screen 300a is an example of the template registration screen when no templates are registered.

[0041] Refer to Figure 2 again. In step S120, the processor 120 receives input from the user to the input device 110. For example, the input includes an add instruction input by pressing the add button 304 (see Figures 3A, 3C), an exit instruction input by pressing the exit button 306 (see Figures 3A, 3C), an edit instruction input by pressing the edit button 308 (see Figure 3C), and a delete instruction input by pressing the delete button 308 (see Figure 3C).

[0042] In step S130, the processor 120 determines the type of instruction input received from the input device 110. If the type of instruction input is an add instruction input or an edit instruction input, the process proceeds to step S140.

[0043] In one example, the processor 120 causes the display device 140 to display a screen for the user to input values ​​for one or more parameters. For example, in step S140, the processor 120 causes the display device 140 to display a general format editing screen for editing the values ​​of the corresponding general format parameters.

[0044] Figure 3B shows an example of the general format editing screen displayed in step S140. General format editing screen 320a is an example of a general format corresponding to the cash flow item "Income / Salary". In one example, the general format editing screen 320a includes a first title (title 1) field 322, a second title (title 2) field 324, a cash flow start reference time combo box 326, a start time unit combo box 328, a cash flow start time field 330, a cash flow period unit combo box 332, a cash flow period field 334, a cash flow end reference time combo box 336, an end time unit combo box 338, a cash flow end time field 340, a cash flow base amount field 342, a cash flow change rate (growth rate) field 344, a cash flow change reference time combo box 346, a change reference time unit combo box 348, a change period reference unit combo box 350, a cash flow change period field 352, a cash flow category combo box 354, a register / update button 356, and a cancel button 358. Furthermore, the general format may include an insurance / loan flag, and the general format display screen may include a widget for editing / registering the values ​​of the insurance / loan flag. Note that the type of widget used in the general format editing screen is not limited to those mentioned above, as long as it can accept user input; for example, a field may be used instead of a combo box, or a combo box may be used instead of a field.

[0045] In one example, the processor 120 receives information from the input device 140 indicating the values ​​of one or more input parameters. Refer again to Figure 2. For example, in step S150, the processor 120 receives user input from the input device 110.

[0046] The input device 110 accepts the user's input of a text value for the first title (title 1) in the first title field 322. The processor 120 receives the text value input for the first title from the input device 110.

[0047] The input device 110 accepts the user's input of a text value for the second title (title 2) in the second title field 324. The processor 120 receives the text value input for the second title from the input device 110.

[0048] The input device 110 accepts the user's selection input from the options for the cash flow start date to the cash flow start date combo box 326. The processor 120 receives the selection input from the input device 110 from the options for the cash flow start date. The options for the cash flow start date are, for example, "Today", "This month", "First day of this month", "This year", "First month of this year", "First day of this year", "This fiscal year", "First month of this fiscal year", "First day of this fiscal year", "Birthday", "Birth month", "First day of birth month", "Birth year", "First month of birth year", "First day of birth year", "Birth fiscal year", "First month of birth fiscal year", "First day of birth fiscal year", "Elementary school entrance year", "First month of elementary school entrance fiscal year", "First day of elementary school entrance fiscal year", "<Specify date>", "<Specify month>", "<Specify year>", and "<Specify fiscal year>".

[0049] The input device 110 accepts the user's selection input from the options for the starting unit to the end unit combo box 328. The processor 120 receives the selection input from the input device 110 from the options for the starting unit. The options for the starting unit are, for example, "Day", "Month", and "Year". If the option "Day" is selected, the processor 120 may limit the options for the cash flow start date to "Today", "First day of this month", "First day of this year", "First day of this fiscal year", "Birthday", "First day of birth month", "First day of birth year", "First day of birth fiscal year", "First day of elementary school entrance year", and "<Specify date>". If the option "Month" is selected, the processor 120 may limit the options for the cash flow start date to "This month", "First month of this year", "First month of this fiscal year", "Birth month", "First month of birth year", "First month of birth fiscal year", "First month of elementary school entrance year", and "<Specify month>". If the option "Year" is selected, the processor 120 may limit the options for the cash flow start date to "This year", "This fiscal year", "Year of birth", "Year of birth", "Year of elementary school enrollment", "<Specified year>", and "<Specified fiscal year>".

[0050] The input device 110 accepts a text value input from the user for the cash flow start field 330. The processor 120 receives the text value input for the cash flow start from the input device 110.

[0051] The input device 110 accepts the user's selection input from the cash flow period unit options to the cash flow period unit combo box 332. The processor 120 receives the selection input from the input device 110 from the cash flow period unit options. The cash flow period unit options are, for example, "day", "month", and "year".

[0052] The input device 110 accepts a text value input of the cash flow period from the user to the cash flow period field 334. The processor 120 receives the text value input of the cash flow period from the input device 110.

[0053] The input device 110 accepts the user's selection input from the options for the cash flow termination criteria to the cash flow termination criteria combo box 336. The processor 120 receives the selection input from the input device 110 from the options for the cash flow termination criteria. The options for the cash flow termination criteria are, for example, "Today", "This month", "First day of this month", "This year", "First month of this year", "First day of this year", "This fiscal year", "First month of this fiscal year", "First day of this fiscal year", "Birthday", "Birth month", "First day of birth month", "Birth year", "First month of birth year", "First day of birth year", "Birth fiscal year", "First month of birth fiscal year", "First day of birth fiscal year", "Elementary school entrance year", "First month of elementary school entrance fiscal year", "First day of elementary school entrance fiscal year", "<Specify date>", "<Specify month>", "<Specify year>", and "<Specify fiscal year>".

[0054] The input device 110 accepts the user's selection input from the options for the termination unit to the termination unit combo box 338. The processor 120 receives the selection input from the input device 110 from the options for the termination unit. The options for the termination unit are, for example, "Day", "Month", and "Year". If the option "Day" is selected, the processor 120 may limit the options for the cash flow termination criteria to "Today", "First day of this month", "First day of this year", "First day of this fiscal year", "Birthday", "First day of birth month", "First day of birth year", "First day of birth fiscal year", "First day of elementary school enrollment year", and "<Specify date>". If the option "Month" is selected, the processor 120 may limit the options for the cash flow termination criteria to "This month", "First month of this year", "First month of this fiscal year", "Birth month", "First month of birth year", "First month of birth fiscal year", "First month of elementary school enrollment year", and "<Specify month>". If the option "Year" is selected, the processor 120 may limit the options at the time of cash flow termination to "This year", "This fiscal year", "Year of birth", "Year of birth", "Year of elementary school enrollment", "<Specified year>", and "<Specified fiscal year>".

[0055] The input device 110 accepts a text value input from the user for the cash flow end field 340. The processor 120 receives the text value input for the cash flow end from the input device 110. In one example, if the parameter or text value input for the cash flow end field 340 is equal to the parameter or text value input for the cash flow start field 330, the cash flow corresponding to the general format being registered / updated occurs only once at the time indicated by the parameter or text value input.

[0056] The input device 110 accepts a text value input of the cash flow basis amount from the user to the cash flow basis amount field 342. The processor 120 receives the text value input of the cash flow basis amount from the input device 110.

[0057] The input device 110 accepts a text value input of the cash flow change rate from the user to the cash flow change rate field 344. The processor 120 receives the text value input of the cash flow change rate from the input device 110.

[0058] The input device 110 accepts the user's selection input from the options for the cash flow change reference time to the cash flow change reference time combo box 346. The processor 120 receives the selection input from the input device 110 from the options for the cash flow change reference time. The options for the cash flow change reference time are, for example, "Today", "This month", "First day of this month", "This year", "First month of this year", "First day of this year", "This fiscal year", "First month of this fiscal year", "First day of this fiscal year", "Birthday", "Birth month", "First day of birth month", "Birth year", "First month of birth year", "First day of birth year", "Birth fiscal year", "First month of birth fiscal year", "First day of birth fiscal year", "Elementary school entrance year", "First month of elementary school entrance fiscal year", "First day of elementary school entrance fiscal year", "<Specify date>", "<Specify month>", "<Specify year>", and "<Specify fiscal year>".

[0059] The input device 110 accepts the user's selection input from the options for the change reference time unit to the change reference time unit combo box 348. The processor 120 receives the selection input from the input device 110 from the options for the change reference time unit. The options for the change reference time unit are, for example, "day", "month", and "year". If the option "day" is selected, the processor 120 may limit the options for the cash flow change reference time to "today", "first day of this month", "first day of this year", "first day of this fiscal year", "birthday", "first day of birth month", "first day of birth year", "first day of birth fiscal year", "first day of elementary school entrance year", and "<specified date>". If the option "month" is selected, the processor 120 may limit the options for the cash flow change reference time to "this month", "first month of this year", "first month of this fiscal year", "birth month", "first month of birth year", "first month of birth fiscal year", "first month of elementary school entrance year", and "<specified month>". If the option "Year" is selected, the processor 120 may limit the options for the cash flow change criterion to "This year", "This fiscal year", "Year of birth", "Year of birth", "Year of elementary school enrollment", "<Specified year>", and "<Specified fiscal year>".

[0060] The input device 110 accepts a selection input from the user to the cash flow change period reference unit combo box 350. The processor 120 receives the selection input from the input device 110 to the cash flow change period reference unit options. The options for the cash flow change period reference unit are, for example, "day", "month", and "year".

[0061] The input device 110 accepts a text value input of the cash flow change period from the user to the cash flow change period field 352. The processor 120 receives the text value input of the cash flow change period from the input device 110.

[0062] The input device 110 accepts the user's selection input from the cash flow category options to the cash flow category combo box 354. The processor 120 receives the selection input from the input device 110 from the cash flow category options. The cash flow category options are, for example, "0: Original planned cash flow", "1: Change due to already purchased insurance products", "2: Change due to already borrowed loan products", and "3: Proposed content". For example, one or more general format cash flow categories corresponding to the proposed financial products may be "3: Proposed content", and one or more general format cash flow categories corresponding to other financial products may be "0: Original planned cash flow", "1: Change due to already purchased insurance products", and "2: Change due to already borrowed loan products".

[0063] Text values ​​entered for each field on the general format editing screen may include not only numerical and date representations, but also formulas that include functions for those representations. For example, the text value entered for the Cash Flow Start field 330 on the general format editing screen 320a may be a formula that includes the function "$rd($sm(@date(Working Day),1),25)". For example, the function $sm returns a date obtained by shifting the date indicated by the first argument by the number of months indicated by the second argument. For example, the value of $sm(March 25, 2025,4) is equal to July 25, 2025. The function $rd returns a date obtained by replacing the day value in the year-month-day representation of the date indicated by the first argument with the value indicated by the second argument. For example, the value of $rd(March 25, 2025,15) is equal to March 15, 2025.

[0064] In one example, the value of at least one parameter of one or more parameters comprises a formula. This formula may include one or more second functions, each of which takes an argument. For example, text value input for each field on the general formatting screen comprises a formula that includes a form input value acquisition function. Here, the form input value acquisition function is a function that acquires and returns the value entered into a field in the simplified input form of the template described later. The form input value acquisition function is also a lazy evaluation function in which the return value is evaluated with the entered value after the processor 120 has received the value entered into the field. For example, the form input value acquisition function @date returns the date entered into the field corresponding to the label that displays the string indicated by the first argument in the simplified input form of the template described later.

[0065] The text value input for the Cash Flow End Field 340 on the General Format Editing Screen 320a may be a mathematical expression including a function, such as "@num(Expected Retirement Age, years old)*12+1". Here, for example, the Form Input Value Acquisition Function @num returns the value entered in the field corresponding to the label that displays the string shown in the first argument in the simplified input form described later. The string shown in the second argument of the Form Input Value Acquisition Function may be displayed as the suffix of the field. Also, "*" represents the multiplication operator and may be written as "×".

[0066] Input device 110 accepts user input for template registration / update via the register / update button 356. Processor 120 receives template registration / update input from input device 110. Input device 110 accepts user input for template registration / update cancellation via the cancel button 358. Processor 120 receives template registration / update cancellation input from input device 110.

[0067] In step S160, the processor 120 determines the type of instruction input received from the input device 110. If it is determined that the type of instruction input is a template registration / update instruction input, the process proceeds to step S170. In step S170, the processor 120 registers / updates the template using the values ​​entered in the combo boxes and fields of the general format editing screen 300a. The processor 120 may store the registered / updated template in memory 130, and then read it from memory 130 as needed. After that, the process returns to step S110. If it is determined that the type of instruction input is a registration / update cancellation instruction input, the processor 120 discards the values ​​entered in the combo boxes and fields of the general format editing screen 300a. In this case, the template is neither registered nor updated. After that, the process returns to step S110.

[0068] Figure 3C shows an example of the template registration screen displayed in step S110 after the template has been registered / updated in step S170. The template registration screen 300b includes a registered template list display 302b, an add button 304, and an exit button 306. The template registration screen 300b shows the state after a template has been registered where title 1 is income and title 2 is salary.

[0069] Refer to Figure 2 again. If the type of input determined by the processor 120 in step S130 is a delete instruction input, the process proceeds to step S180. In step S180, the processor 120 deletes the corresponding template from memory 130. After that, the process returns to step S110. Also, if the type of input determined by the processor 120 in step S130 is a terminate instruction input, the process terminates.

[0070] Figure 3D shows another example of the general format editing screen displayed in step S140. General format editing screen 320b is an example of a general format corresponding to the cash flow item "Income / Bonus". For example, the text value input for the Cash Flow Start field 330 on general format editing screen 320b may be a formula that includes the function "$rmd($sy(@date(Working Day),1),6,10)". Here, the function $sy returns the date obtained by shifting the date shown in the first argument by the number of years shown in the second argument. For example, the value of $sy(March 25, 2025,4) is equal to March 25, 2029. The function $rmd returns the date obtained by replacing the month and day values ​​in the year-month-day expression of the date shown in the first argument with the values ​​shown in the second argument and the third argument, respectively. For example, the value of $rmd(March 25, 2025,4,10) is equal to April 10, 2025.

[0071] Figure 3E shows another example of the general format editing screen displayed in step S140. General format editing screen 320c is an example of a general format corresponding to the cash flow item "Financial Net Assets / Cash Equivalents". For example, by using the general format corresponding to the cash flow item "Financial Net Assets / Cash Equivalents" or the simplified input form described later, the processor 120 can receive information from the input device 110 indicating the first net cash balance at the current time.

[0072] Figure 3F shows another example of the general format editing screen displayed in step S140. General format editing screen 320d is an example of a general format corresponding to the cash flow item "Education Expenses / Junior High School Tutoring Expenses". For example, in the cash flow start reference time combo box 326 of general format editing screen 320d, "First month of elementary school enrollment" is selected, in the start time unit combo box 328, "Month" is selected, and the text value "72" is entered in the cash flow start time field 330. For example, if "First month of elementary school enrollment" is April 2024, the cash flow start time identified by these is April 2030, which is 72 months after April 2024. Also, in the cash flow end reference time 336 of general format editing screen 320d, "First month of elementary school enrollment" is selected, and the text value "107" is entered in the cash flow end time field 340. For example, if the "first month of the elementary school year" is April 2024, the end of the cash flow identified by these factors is March 2033, which is 107 months after April 2024. Furthermore, "Month" is selected in the Cash Flow Period Unit combo box 332, and the text value "1" is entered in the Cash Flow Period field 334. The timing of the cash flow occurrence identified by these factors, along with the start and end times of the cash flow, is {April 2030, May 2030, ..., March 2033}.

[0073] For example, the text value input for the cash flow basis amount field 342 on the general format editing screen 320d may be a formula containing the function "-@num(monthly tuition fee, yen)". In this way, by using a negative sign in the formula included in the text value entered in the cash flow basis amount field 342, cash outflow can be represented using a positive input value in the simplified input form described later.

[0074] Figure 3G shows another example of the general format editing screen displayed in step S140. General format editing screen 320e is an example of a general format corresponding to the cash flow item "Education Expenses / High School Tutoring Expenses". Figure 3H shows another example of the general format editing screen displayed in step S140. General format editing screen 320f is an example of a general format corresponding to the cash flow item "Education Expenses / University Tuition Expenses". Figure 3I shows another example of the general format editing screen displayed in step S140. General format editing screen 320g is an example of a general format corresponding to the cash flow item "Housing Expenses / Home Purchase".

[0075] In one example, the cash flow item includes an emergency fund. Here, the emergency fund is funds set aside for emergencies. For example, the emergency fund can be considered as the cash outflow at the present time. The projected cumulative cash flow calculated including the general format function corresponding to the general format corresponding to the emergency fund (described later) becomes the projected net cash balance considering the emergency fund.

[0076] Figure 3J shows another example of the general format editing screen displayed in step S140. General format editing screen 320h is an example of a general format corresponding to the cash flow item "Financial Net Assets / Emergency Fund". For example, in the cash flow base amount field 342 of general format editing screens 320e to 320h, by using a negative sign in the formula included in the entered text value, cash outflows can be represented using positive input values ​​in the simplified input form described later.

[0077] For example, multiple general forms may be registered for a single template represented by the same combination of title 1 and title 2. This allows templates to be registered using general forms even for items with more complex cumulative cash flows, such as pensions, education insurance, and loans.

[0078] This section explains how to register a template using a general format, taking insurance products and loan products as examples of financial products. Figure 3K shows another example of the general format editing screen displayed in step S140. General format editing screen 320i is an example of a general format corresponding to the financial product (cash flow item) "Insurance Product / Life Insurance (Product Name: Lifetime Security)". Figure 3L shows another example of the general format editing screen displayed in step S140. General format editing screen 320j is another example of a general format corresponding to the financial product (cash flow item) "Insurance Product / Life Insurance (Product Name: Lifetime Security)".

[0079] The general format editing screens 320i and 320j include the widgets contained in the general format editing screens 320a to 320h, as well as the serial number field 360. The input device 110 accepts the user's input of a text value for the serial number field 360. The processor 120 receives the text value input for the serial number field 360 from the input device 110. By using serial numbers with different values, it is possible to register a single template that associates multiple general formats with the same financial instrument represented by the same combination of title 1 and title 2. In this way, it is also possible to represent more complex cumulative cash flows arising from the same financial instrument by combining multiple cash flows or multiple cumulative cash flows corresponding to multiple general formats.

[0080] Figure 3M shows another example of the general format editing screen displayed in step S140. General format editing screen 320k is an example of a general format corresponding to the financial product (cash flow item) "Loan Product / Mortgage Loan". Figure 3N shows another example of the general format editing screen displayed in step S140. General format editing screen 320l is another example of a general format corresponding to the financial product (cash flow item) "Loan Product / Mortgage Loan". These multiple general formats are also associated with a single template "Loan Product / Mortgage Loan". The cash flow basis amount field 342 of general format editing screen 320l shows an example where a formula using the form input value acquisition function @num is entered to accept the text value input of "Monthly Equal Principal and Interest Payment" in the simplified input form described later. Alternatively, the cash flow basis amount field 342 of general format editing screen 320l may be entered with a formula such as "-$pmt(@num(monthly interest rate),@num(number of payment months),@num(loan amount),0,0))". Here, $pmt=$pmt(monthly interest rate, number of months, present value, future value, due date) is a known PMT function that returns the monthly equal installment payment given the monthly interest rate, number of months, present value, future value, and due date. The present value may be the loan amount. The future value may be zero. The due date is equal to zero if the payment is made at the end of the period, and equal to a non-zero value if the payment is made at the beginning of the period.

[0081] As described above, by registering one or more templates using general formats for specific cash flow items, the user's input work for cash flow items can be reduced. The return values ​​of the form input value retrieval functions @date and @num, which have the same first argument value in multiple templates and / or multiple general formats, may be shared among those multiple templates and / or multiple general formats.

[0082] To address the three major life expenses—education funds, retirement funds, and housing funds—and to allow the incorporation of existing insurance products, other templates may be created by editing the general form through the general form editing screen. This allows users to incorporate newly planned financial products as well. Alternatively, for example, a general form may be registered as a template by entering the label values ​​of each field in the general form editing screen into the form input value acquisition function, with the first argument of that function. This allows the general form itself to be used as a template.

[0083] The combinations of the cash flow start reference time combo box 326, start time unit combo box 328, cash flow start time field 330, cash flow period unit combo box 332, cash flow period field 334, cash flow end reference time combo box 336, end time unit combo box 338, and cash flow end time field 340 in the general format editing screens 320a to 320l may use other formats as long as the timing of cash flow occurrence can be specified. For example, if the start time unit is fixed as "month", the start time unit combo box 328 may be omitted.

[0084] Figure 4A shows an example of the operation flow of the financial product proposal related to this disclosure. First, in step S210, the processor 120 of the financial product proposal device 100 displays the current family configuration setting screen on the display device 140 and receives the current family configuration information from the user via the input device 110.

[0085] Figure 5A shows an example of the current family configuration settings screen. The current family configuration settings screen 400 includes a current family configuration list 402, a delete button 410, an add button 412, and an update button 414.

[0086] The current family structure list 402 includes, for each member of the current family, one name field 404, one date of birth field 406, and one relationship combo box 408. The current family structure list 402 shows the current family structure.

[0087] The input device 110 accepts the user's input of a text value of their name for the name field 404. The processor 120 receives the text value of the name from the input device 110.

[0088] The input device 110 accepts the user's input of a text value of the date of birth for the date of birth field 406. The processor 120 receives the text value input of the date of birth from the input device 110.

[0089] The input device 110 accepts the user's selection input from the relationship options to the relationship combo box 408. The processor 120 receives the selection input from the relationship options from the input device 110. The relationship options are, for example, "Self", "Father", "Mother", "Eldest son", "Second son", "Son", "Eldest daughter", "Second daughter", "Daughter", "Grandfather", and "Grandmother".

[0090] If the delete button 410 is detected to have been pressed, the processor 120 causes the display device 140 to display the current family structure list 402 with the name field 404, date of birth field 406, relationship combo box 408, and delete button 410 of the member currently displayed in the corresponding row of the family structure list 402 removed. If the add button 412 is detected to have been pressed, the processor 120 causes the display device 140 to display the current family structure list 402 with a new row that includes the name field 404, date of birth field 406, relationship combo box 408, and delete button 410 added to the current family structure list 402.

[0091] If the update button 414 is detected to have been pressed, the processor 120 stores the current family configuration information, which indicates the current family configuration displayed in the current family configuration list 402, into the memory 130. The processor 120 may then read the current family configuration information from the memory 130 as needed. Next, the process proceeds to step S220.

[0092] Refer to Figure 4A again. In step S220, the processor 120 receives life planning information input from the input device 110. Figure 4B shows an example of the operation flow of step S220 in Figure 4A. In step S410, the processor 120 displays the life planning information input screen on the display device 140.

[0093] Figure 5B shows an example of a life planning information input screen. The life planning information input screen 420a includes a list of entered templates 422a, 422b, 422c, an edit button 424a, a delete button 426b, template input buttons 428a, 428b, 428c, and a future cash flow display button 430. One of the entered templates 422a, 422b, or 422c corresponds to each family member indicated in the current family structure information. The entered template list includes the display of title 1 and title 2 of the templates added by executing step S220. Furthermore, one edit button 424a and one delete button 426b correspond to each entered template.

[0094] Refer to Figure 4B again. In step S420, the processor 120 receives instructions from the user to the input device 110 for the life planning information input screen 420a. For example, the instructions include an edit instruction input by pressing the edit button 424a (see Figures 5B and 5E), a delete instruction input by pressing the delete button 426b (see Figures 5B and 5E), an input instruction input by pressing the template input buttons 428a, 428b, and 428c (see Figures 5B and 5E), and a display instruction input by pressing the future cash flow display button 430 (see Figures 5B and 5E).

[0095] In step S430, the processor 120 determines the type of instruction input received from the input device 110. If it is determined that the input type is an add / edit instruction input, the process proceeds to step S440. In step S440, the processor 120 displays a template selection screen for the family member corresponding to the add / edit instruction input on the display device 140.

[0096] Figure 5C shows an example of a template selection screen. The template selection screen 440 includes a target label 442, a list of registered templates 444, and selection buttons 446a to 446g.

[0097] The subject label 442 displays the name and relationship of the family member corresponding to the input instruction. The registered template list 444 displays a list of registered templates. The registered template list 444 includes, for example, the template registered in step S160 of Figure 2. If necessary, the processor 120 may read a registered template stored in memory 130. One of the selection buttons 446a to 446g corresponds to one of the templates shown in the registered template list 444.

[0098] Next, the processor 120 receives information from the input device 110 indicating the selection of a cash flow item. Refer to Figure 4B again. For example, in step S450, the processor 120 receives input from the user to the input device 110 for the template selection screen 440. If the pressing of any of the selection buttons 446a to 446g (see Figure 5C) is detected, the process proceeds to step S460.

[0099] Next, the processor 120 displays an input form corresponding to the selected cash flow item on the display device 140. For example, if the press of the selection button 446f is detected in step S450, in step S460, the processor 120 displays a simplified input screen for the registered template "Education Expenses / University Tuition Fees" displayed in the row corresponding to the selection button 446f in the registered template list 444 (see Figure 5C) on the display device 140.

[0100] Figure 5D shows an example of a simplified input screen. The simplified input screen 460 includes a target label 462, a target template 464, a simplified input form (input form) 466, and an update / add button 468.

[0101] The subject label 462 displays the name and relationship of the family member corresponding to the input instruction. The subject template 464 displays the title 1 and title 2 of the selected registered template.

[0102] In one example, the input form includes a display of a value specified as an argument to one or more second functions included in a formula having the value of at least one parameter. For example, the simple input form 466 includes a label 466a that displays the value specified as the first argument of a form input value retrieval function (e.g., @num, @date) included in a formula entered in a general format field corresponding to the selected registered template, and a field 466b into which a value corresponding to the value specified as the first argument is entered, which is used as the return value of the form input value retrieval function. The string given as the second argument of the form input value retrieval function may be displayed as a suffix in the field.

[0103] For example, label 466a displays the value "annual tuition" specified as the first argument of the form input value acquisition function @num, which is included in the formula "-@num(annual tuition, yen)" entered in the cash flow basis amount field 342 (see Figure 3H) of the registered template "Education Expenses / University Tuition". Field 466b is entered with a value corresponding to the value "annual tuition" specified as the first argument, which is used as the return value of the form input value acquisition function @num. For example, the string "yen" given as the second argument of the form input value acquisition function @num is displayed as the suffix 466c in field 466b. The processor 120 may, if necessary, read values ​​previously entered in the simplified input form 466, which are stored in memory 130 in association with the names and relationships of family members corresponding to the input instructions, and the titles 1 and 2 of the selected registered template, and initialize the field values ​​of the simplified input form 466 with the read values.

[0104] Next, the processor 120 receives from the input device 110 information indicating the first net cash balance at the first point in time and information indicating one or more values ​​entered in the input form for the selected cash flow item. Refer again to Figure 4B. For example, in step S470, the processor 120 receives user input to the input device 110 for the simplified input form 466. The processor 120 may store the values ​​entered for the fields of the simplified input form 466 in memory 130, associating them with the names and relationships of family members corresponding to the input instructions and the titles 1 and 2 of the selected registered template, and then read them from memory 130 as needed.

[0105] Refer again to Figure 5D. In one example, the simplified input screen 460 further includes a general format editing button 472. When the general format editing button 472 is detected to be pressed, the processor 120 may display a general format editing screen for editing one or more general formats associated with the entered template, and update the general format parameters only for that entered template in response to the user's text value input into the general format editing screen. This allows the user to fine-tune the general format parameters corresponding to the registered template as needed.

[0106] The input device 110 accepts user input for the simplified input form 466. The processor 120 receives the values ​​entered by the user from the input device 110. If the press of the update / add button 468 is detected, the process proceeds to step S480 (see Figure 4B).

[0107] Refer to Figure 4B again. In step S480, the processor 120 adds / updates the input template. The processor 120 may store the registered / updated input template in memory 130, and then read it from memory 130 as needed. After that, the process returns to step S410.

[0108] Figure 5E shows an example of the life planning information input screen after the process returns to step S410 in Figure 4B. The list of entered templates 422d on the life planning information input screen 420b displays the entered template "Education Expenses / University Tuition Fees," which was added via steps S420 to S480.

[0109] Refer to Figure 4B again. If the type of instruction input determined by the processor 120 in step S430 is a delete instruction input, the process proceeds to step S490. In step S490, the processor 120 deletes the corresponding input template from the input template list 130. After that, the process returns to step S410.

[0110] Furthermore, if the type of instruction input determined by the processor 120 in step S430 is a display instruction input, the process terminates. In this way, by adding pre-filled templates using the simplified input screen, even users unfamiliar with general formats can input life planning information, including various life events, into the financial product proposal device 100 in a simpler manner.

[0111] For simplified input of life events, templates may be prepared using the above-mentioned templates for the following items: input screen for basic information, income, and retirement allowance; input screen for family structure and education budget; overview of living expenses; housing purchase costs; and vehicle purchase costs. The processor 120 may then display a list of templates on the display device 140. Examples of templates include the input screen for basic information, income, and retirement allowance; the input screen for family structure and education budget; the input screen for overview of living expenses; the input screen for housing purchase costs; the input screen for vehicle purchase costs; and the manual registration screen. For example, the input screen for basic information, income, and retirement allowance accepts input for the end date of salary income. For example, the input screen for family structure and education budget accepts input for the start date, amount, cycle or frequency, and end date of education expenses. For example, the input screen for overview of living expenses accepts input for the start date, amount, cycle or frequency, and end date of living expenses. For example, the input screen for housing purchase costs accepts input for the expected price of the desired housing, down payment, purchase timing, and repayment period (start date, amount, cycle or frequency, and end date of housing expenses). The vehicle purchase cost input screen accepts input such as the expected price of the desired car, down payment, purchase timing, and repayment period (start date, amount / period or frequency, and end date of car-related expenses). Alternatively, the manual registration screen may accept input according to a general format. The manual registration screen may also be used to suggest "general format" records based on anticipated life events (e.g., further education, marriage, home purchase, retirement). This allows users to edit the "general format" list (start month, end month, period, amount, growth rate, insurance / loan flag) as needed.

[0112] Refer to Figure 4A again. Next, in step S230, the processor 120 calculates the planned net cash balance (first net cash balance) for the period included from the first point in time onward, based on the life planning information.

[0113] Expected cash inflows are referred to as projected cash inflows, but they may also be called future cash inflows, estimated cash inflows, forecast cash inflows, or assumed cash inflows. Examples of projected cash inflows include salary income, interest income, dividend income, insurance proceeds, and pension income.

[0114] Planned cash outflows are referred to as projected cash outflows, but they can also be called future cash outflows, estimated cash outflows, forecast cash outflows, or assumed cash outflows. Examples of projected cash outflows include living expenses, rent expenses, childcare expenses, education expenses, and wedding / funeral expenses.

[0115] Financial net assets are, for example, the balance of assets that users can guarantee will be converted into cash and spent. Financial net assets are also called net cash, but may be referred to as cash equivalents. Examples of cash equivalents include cash and money reserve funds. Financial net asset balances are also called net cash balances, but may be referred to as cash equivalent balances. Projected financial net asset balances are also called projected financial net asset balances, but may be referred to as projected net cash balances, projected cash equivalent balances, future net cash balances, estimated net cash balances, forecast net cash balances, or assumed net cash balances, and may simply be called net cash balances.

[0116] Projected cash flow is calculated by subtracting projected cash outflow from projected cash inflow. Projected cash flow can also be referred to as future cash flow, estimated cash flow, forecast cash flow, or assumed cash flow.

[0117] For the current point in time (the first point in time, time t0), the point in time at which a planned cash flow occurs, i.e., the point in time at which a planned cash inflow or a planned cash outflow occurs, is time t1, t2, …, t

[0118] , (t0 < t1 < t2 < … < t N ). Let t be from time t0 to time t > t0 (t j ≦ t < t j+1 , 0 ≦ j ≦ N, provided that t N+1 := ∞). The amount of the planned cumulative cash flow during the period from time t0 to time t > t0 (t k (0 < k ≦ j)) is the sum of the amounts of the planned cash flows at time t k (0 < k ≦ j). And the planned net cash balance at time t (t > t0) is equal to the net cash balance at time t0 plus the amount of the planned cumulative cash flow during the period from time t0 to time t.

[0118] The processor 120 can also calculate the planned net cash balance based on the combination of the input templates. For example, the net cash balance at the current point in time (the first point in time, time t0) may be described using the general format of "financial net assets / cash equivalents" shown in FIG. 3E. The sum of the planned cumulative cash flow and the net cash balance at the current point in time may be simply referred to as the cumulative cash flow. The processor 120 calculates the cumulative cash flow amounts corresponding to one or more general formats corresponding to the input templates included in the combination of the input templates, and calculates the sum of the cumulative cash flow amounts across the combination of the input templates, thereby obtaining the planned net cash balance.

[0119] For a general format with the values of the parameters already set, let s0 be the cash flow change reference time specified from the values of the parameters, and let the occurrence timings of the cash flows be time s1, …, s k . Let a be the reference amount (cash flow reference amount) of the cash flow at time s0 specified from the values of the parameters, and let T be the cash flow change periodα is the cash flow change cycle T α Let the cash flow change rate per unit be α. When a cash flow occurs at time t, if the cash flow amount at time t corresponding to the general format is A, then A is represented by the following formula (1) as a function A(t) of time t.

Number

Number

number

[0123] Processor 120 may calculate the projected net cash balance (first net cash balance) at time t without considering the cash flows of the proposed financial instrument using formula (3). Thus, in one example, processor 120 may calculate the cumulative cash flow for a period arising from a cash flow item by calculating the sum of the values ​​of one or more first functions for a period included after the first time point, based on the values ​​of one or more parameters of the first function and one or more values ​​corresponding to the cash flow item (values ​​entered in the simplified input form or general format editing screen). Then, if Λ0 includes a general format corresponding to the financial net assets (see Figure 3E) as described above, processor 120 may calculate the cumulative cash flow for that period as the first net cash balance for that period. In this way, processor 120 can calculate the first net cash balance for a period included after the first time point based on the first net cash balance at the first time point and one or more values.

[0124] In one example, the processor 120 further comprises calculating the value of a mathematical expression generated by evaluating one or more second functions with one or more values ​​and setting it to the value of at least one parameter.

[0125] For example, the processor 120 may parse a formula that includes a function such as a form input value acquisition function, and evaluate the form input value acquisition function included in the formula using its return value, which is the value entered in the input form and corresponds to the value specified as the argument of the form input value function. The processor 120 may then calculate the value of the generated formula and set the calculated value as the value of the parameter in the general format. Evaluating a function included in a formula using its return value can also be rephrased as replacing the function included in the formula with the return value of that function. For example, the processor 120 may parse the formula "-@num(annual tuition fee, yen)" which includes the form input value acquisition function "@num" included in the value entered in the cash flow basis field 342, for the cash flow basis amount, which is a parameter of the general format "Education Expenses / University Tuition Fees" as explained with reference to Figure 3H. Next, the processor 120 may evaluate the form input value acquisition function "@num" or "@num(annual tuition fee, yen)" with the value "400,000" entered in the simple input form 466 as explained with reference to Figure 5D, which is the return value of the form input value acquisition function "@num", to generate the formula "-(400,000)". Next, the processor 120 may calculate the value of the generated formula "-(400,000)" and set the calculated value -400,000 to the value of the cash flow basis amount (i.e., parameter a included in the general format function represented by formula (2)), which is a parameter of the general format "Education Expenses / University Tuition Fees". Similarly, the parsing and calculation of the formula value can be performed for values ​​entered in other text fields included in the general format editing screens 320a to 320l (see Figures 3B, 3D to 3N) to set the values ​​of the corresponding general format and general format function parameters. The processor 120 may perform the parsing and calculation of the value of the mathematical expression using, for example, a mathematical expression parser generated by a known lexical analysis program generation engine such as lex or flex and a known LALR syntactic analysis program generation engine such as yacc or bison.

[0126] Next, in one example, the processor 120 causes the display device 140 to display a graph showing the change in the first net cache balance during the period included from the first time point onward. Refer again to Figure 4A. In step S240, the processor 120 causes the display device 140 to display a graph showing the change in the planned net cache balance. Figure 6 shows an example of the display screen in step S240.

[0127] The graph area 500 plots the changes in the projected net cash balance. For example, the X-axis may represent the user's age, and the Y-axis may represent the user's projected net cash balance at a point in time corresponding to the user's age. The range of values ​​on the X-axis may be, for example, from the current age to 90 years old, assuming the user lives to 90 years old. The projected net cash balance 510 changes depending on the time. The baseline 520 may, for example, represent a buffer. Here, the buffer may be any amount that depends on the time, equal to the amount of the emergency fund, or zero. When using the general format function corresponding to "Financial Net Assets / Emergency Fund" as explained with reference to Figure 3J, the projected net cash balance will be the projected net cash balance considering the emergency fund, so the buffer may be zero.

[0128] For the sake of simplicity, the present disclosure is explained with the buffer set to zero in Figures 6 to 9B. In the graph region 500 shown in Figure 6, the planned net cash balance 510 is negative by the amount 540a and 540b during periods 530a and 530b.

[0129] Refer again to Figure 4A. Next, in step S250, the processor 120 calculates the quantity of financial instruments based on the first net cash balance for the period included after the first time point. The quantity of financial instruments calculated here is the quantity of financial instruments proposed by the financial instrument suggestion device 100. There are no particular restrictions on the units of time in this specification, for example, year, month, or day, but using a month as an example, we show an example of the calculation in step S250.

[0130] In one example, the financial products proposed by the financial product proposal device 100 include financial products that generate cash inflows when the first net cash balance is below a threshold. For example, if the threshold is zero, the processor 120 calculates the quantity of financial products and cash flows to compensate for the negative amounts 540a and 540b during periods when the projected net cash balance is negative. For example, for periods 530a and 530b when the future projected net cash balance 510 is negative, the processor 120 calculates the quantity of financial products and cash flows to compensate for the negative amounts 540a and 540b by utilizing an insurance product, which is one of the financial products, to shift the timing of the cash flow, starting from the earliest possible period when the future projected net cash balance 510 is positive, so that negative projected net cash balances do not occur on a monthly basis.

[0131] Figure 7 shows an example of the calculation in step S250. The graph area 600a shows the change in the planned net cash balance during the calculation. In one example, the X-axis may represent the user's age, and the Y-axis may represent the planned net cash balance at a point in time corresponding to the user's age. The range of values ​​on the X-axis may be, for example, from the current age to 90 years old, assuming the user lives to the age of 90.

[0132] In Figure 7, during the period 530a when the planned net cache balance 510 (see Figure 6) is negative, the processor 120 compensates for the negative amount 540a (see Figure 6) with a portion of the positive amount 640a from the period when the planned net cache balance 510 (see Figure 6) is positive, using this as a compensation amount 650a. As a result, the planned net cache balance 610 after compensation is obtained.

[0133] Figure 8 shows an example of the calculation in step S250. The graph area 600b shows the change in the planned net cache balance after the calculation. Similar to the compensation of 650a in Figure 7, in Figure 8, the processor 120 compensates for the period 530b in which the planned net cache balance 510 (see Figure 6) is negative by using a portion of the positive amount 640b from the period in which the planned net cache balance 510 (see Figure 6) is positive as compensation amount 650b. As a result, the planned net cache balance 620 after compensation is obtained.

[0134] Furthermore, in one example, if, as a result of compensation, the first period in which the net monthly cash balance of the future is positive falls below a predetermined buffer, the processor 120 may compensate for the shortfall from the positive period if the next period in which the net monthly cash balance of the future is positive precedes the period in which it falls below the buffer.

[0135] Refer again to Figure 4A. Next, in step S260, the processor 120 calculates the projected net cash balance (second net cash balance) by adding the cash flows of the financial instruments calculated in step S250, and displays a graph showing the change in the second net cash balance, and / or the name and / or quantity of the financial instruments used to achieve the cash flows of those financial instruments on the display device 140. In one example, the processor 120 may also display at least one of the cash flow generation timings for the financial instruments on the display device 140. The processor 120 may use AI to suggest a list of financial instruments that will smooth out the fluctuations in future cash flows.

[0136] Figure 9A shows an example of the display screen in step S260. In this example, the display screen in step S260 comprises a graph area 700A and a financial product proposal field 760.

[0137] In graph area 700A, the change in the projected net cash balance 620 calculated in step S250 is plotted. The processor 120 may display on the display device 140 a graph showing the change in the projected net cash balance when the selected financial product is traded. This allows the user of the financial product suggestion device 100 to confirm the effect of trading the selected financial product. In one example, the X-axis may represent the user's age, and the Y-axis may represent the net cash balance at a point in time corresponding to the user's age. The range of the X-axis value may be, for example, from the current age to 90 years old, assuming the user lives to 90 years old. In one example, the processor 120 may color-code the display device 140 to show how the projected net cash balance changes when the proposed financial product is purchased. In one example, the processor 120 may color-code the display device 140 to show the projected net cash balance after compensating for negative amounts and the cash flow of the financial product.

[0138] The financial product proposal field 760 comprises a list of proposed financial products 762 and an application button 764. In one example, the list of proposed financial products 762 displays the name 762a and the quantity 762b for each of the one or more proposed financial products. When the application button 764 is detected to have been pressed, the processor 120 may display the application screen for the corresponding financial product (e.g., an insurance product, a loan product) on the display device 140 and accept the input of application information.

[0139] In one example, the financial product suggestion field 760 includes a checkbox 766 and a recalculation button 768. When the recalculation button 768 is detected to be pressed, the processor 120 may calculate the projected net cash balance by adding the cash flows of only the financial products corresponding to the checkbox 766 that has a check mark displayed, and redraw a graph showing the change in the calculated projected net cash balance in the graph area 700A.

[0140] An example of steps S250 and S260 (see Figure 4A) has been described above, but in step S250, the processor 120 of the financial product proposal device 100 may calculate the cash flow of a financial product to compensate for the negative amounts 540a and 540b during the periods 530a and 530b in which the planned net cash balance becomes negative, based on other policies.

[0141] For example, for periods 530a and 530b in which the projected future net cash balance 510 will be negative, the processor 120 calculates the cash flow of the financial instrument to compensate for the negative amounts 540a and 540b by using an insurance product, which is one of the financial instruments, and adding a financial instrument that causes a thin shift in the timing of cash flows over as wide a period as possible, starting from all the periods prior to each of the periods in which the projected net cash balance 510 exceeds a predetermined buffer, so that a negative monthly net cash balance does not occur.

[0142] Figure 9B shows another example of the calculation in step S250 and the display screen in step S260. The graph area 700B in Figure 9B shows how, for the period 530a in which the planned net cache balance 510 is negative, the processor 120 compensates for the negative amount 540a (see Figure 6) with a portion of the positive amount 740a from the period in which the planned net cache balance 510 (see Figure 6) is positive, as a compensation amount 750a.

[0143] Furthermore, in Figure 9B, for the period 530b in which the planned net cash balance 510 (see Figure 6) is negative, the processor 120 adds a financial instrument that causes a slight shift in the timing of cash flows over periods 730b-1 and 730b-2, starting from all periods prior to periods 530a and 530b in which the planned net cash balance 510 (see Figure 6) is negative, specifically during periods where the planned net cash balance 510 (see Figure 6) exceeds a predetermined buffer. This adds a portion of the positive amount 740b-1, ..., 740b-8 from the period in which the planned net cash balance 510 (see Figure 6) is positive, as a compensation amount of 750b to cover the negative amount 540b (see Figure 6). As a result, the planned net cash balance 710 after the compensation is obtained.

[0144] Furthermore, if there is no period before a negative period in which the projected future net cash balance exceeds a predetermined buffer and is positive, the processor 120 may take out a loan, which is one of the financial products, and utilize an insurance product by excluding the buffer from that loan, thereby shifting the timing of the cash flow and compensating so that the projected net cash balance does not fall below the buffer. In this case, even after the interest payment of the loan, it may be confirmed that the projected future net cash balance will exceed the buffer. If the interest rate of the loan is higher than the interest rate of the insurance product, the processor 120 may display a warning on the display device 140. This will alert the user.

[0145] In this way, the processor 120 calculates a second net cash balance by adding the cumulative cash flow generated from the calculated quantity of financial instruments to the first net cash balance, and can display a graph showing the change in the second net cash balance on the display device 140. This allows the user to visually understand how the projected net cash balance will change due to the quantitatively calculated quantity of financial instruments. In one example, the processor 120 also displays the quantity of the financial instrument calculated in step S250 on the display device 140. This allows, for example, the visualization of a very long-term cash flow simulation, and then more appropriately proposing financial instruments, including insurance products, based on a pre-selected algorithm preferred by the customer.

[0146] Refer to Figure 4A again. After step S260, the flow ends. In one example, when the user logs in again, the previously entered personal information, a list of general format (start month, end month, cycle, amount, insurance coverage), and changes in the net cash balance may be displayed.

[0147] Next, an example of the calculation in step S250 of Figure 4A will be explained using a mathematical formula. For the M candidate financial instruments to be proposed, X m Let (m=1,…,M) be variables associated with the financial instrument m. Here, M and m are integers greater than or equal to 1. m For example, represents the quantity of financial product m. This quantity may be, for example, the contract unit of financial product m, and if the contract unit is an amount, this quantity may represent an amount, and if the contract unit is a number of units, this quantity may represent a number of units. The processor 120 may select the M candidate financial products to propose according to the cash flow items that make up the first net cash balance. For example, if the cash flow items that make up the first net cash balance include the cash flow item "education expenses / college tuition," the processor 120 may select a financial product related to education insurance corresponding to the cash flow item "education expenses / college tuition" as a candidate and include it in the M financial products.

[0148] {h λ |λ∈Λ m Assuming this, the projected net cash balance y(t) at time t, taking into account the cash flows of the proposed financial product, can be expressed by the following equation (4).

number

[0149] X m The following constraints (5) apply to (m=1,…,M):

number

number

number

number

[0150] Also, under the same constraints (5) and (6), for example, time t N1 From point t N2 The X:=(X1,…,X) is the one that takes the maximum value for the average of the planned net cash balance up to that point. M The value of ), that is,

number

[0151] Also, time t for X N1 From point t N2 If V(X) is the distribution of the planned net cash balance up to that point, then V(X) can be expressed by the following equation (9).

number

[0152] Under the same constraints (5) and (6), for example, time t N1 From point t N2 The value of X at which the variance of the planned net cash balance up to that point is minimized, i.e.,

number

[0153] Thus, the processor 120 can calculate, for example, the quantity of financial instruments in which a predetermined function takes its maximum, local maximum, minimum, or local minimum value for the value of the second net cash balance at one or more time points, based on the first net cash balance and constraints based on a comparison between the second net cash balance at one or more time points and a threshold at one or more time points, by using linear programming or quadratic programming. As mentioned above, in one example, the constraint may be that the second net cash balance is greater than or equal to a threshold. Furthermore, the predetermined function may be a function that returns the average or weighted average of the values ​​of the second net cash balance at one or more time points, or a function that returns the variance of the values ​​at one or more time points.

[0154] Furthermore, if the quantity of financial instruments is limited to integers, the integer quantity may be obtained by rounding the solution obtained using linear programming or quadratic programming to an integer. Alternatively, instead of linear programming or quadratic programming, the integer quantity may be obtained by solving an integer programming problem. The obtained solution to the linear programming, quadratic programming, or integer programming problem may be a near-optimal solution. A near-optimal solution to an integer programming problem may be obtained using, for example, heuristic methods, constraint relaxation, approximation methods, iterative refinement, metaheuristics, stopping methods, decomposition methods, sampling methods, or scaling down methods.

[0155] In one example, if the value of X in equation (7), equation (8), or equation (10) cannot be found, the processor 120 may adjust the buffer value to a smaller value and try again to find the value of X in equation (7), equation (8), or equation (10). In another example, the processor 120 may repeatedly try to find the value of X in equation (7), equation (8), or equation (10) while adjusting the buffer value from a sufficiently small value to a larger value up to a target value. In this case, the processor 120 may display information on the display device 140 indicating how the buffer value has been adjusted.

[0156] In either case, the amount of the cumulative cash flow of financial instrument m at time t is F. m Let (t) be F m (t) is expressed by the following formula (11).

number

number

[0157] After determining the value of X in formula (7), formula (8), or formula (10), the processor 120 may use the determined value X and formula (4) to calculate the projected net cash balance at time t, taking into account the cash flows of the proposed financial instrument. In one example, after determining the value of X, the processor 120 may set any components of X whose magnitude is less than a threshold to zero. In this way, the processor 120 may calculate the cumulative cash flows arising from the financial instrument by calculating the sum of the values ​​of one or more first functions based on the values ​​of one or more parameters and one or more values ​​corresponding to cash flow items. Furthermore, the processor 120 may calculate a second net cash balance by adding the cumulative cash flows arising from the financial instrument to the first net cash balance.

[0158] In step S260, the processor 120 may cause the display device 140 to display a graph showing the change in the planned net cash balance calculated in step S250. Furthermore, the processor 120 may display the name of the financial instrument m (for example, the values ​​of Title 1 and Title 2) and the value X, which is the quantity of financial instrument m calculated in step S250. m and / or value X m The value calculated using and at least one of the values ​​may be displayed on the display device 140. Value X m The value calculated using this method is, for example, the cash flow amount ΔF m,n The value X is among the values ​​of each financial instrument m in financial instruments 1, ..., M. m For those where the value is zero, the name and quantity are represented by the value X. m , or value X m It is not necessary to display the value calculated using this method.

[0159] Figure 10 is an operation flow showing another example of the calculation in step S250. First, in step S810, the processor 120 identifies the period during which the planned net cache balance will be negative.

[0160] Next, in step S820, the processor 120 determines whether there is a period in which the planned net cache balance will be negative. If it determines that there is no period in which the planned net cache balance will be negative (step S820: No), the operation flow ends.

[0161] If it is determined that there will be a period in which the planned net cash balance will be negative (step S820: Yes), in step S830, the processor 120 determines whether the negative amount of the planned net cash balance can be covered by the planned net cash balance before the negative amount occurred. If it is determined that the negative amount of the planned net cash balance can be covered by the planned net cash balance before the negative amount occurred (step S830: Yes), in step S840, the processor 120 covers the negative amount of the planned net cash balance with the planned net cash balance before the negative amount occurred. In this case, the processor 120 may determine, in one example, that insurance or loan contracts are unnecessary. The operation flow then ends. Note that if an insurance or loan contract proposal is necessary, steps S830 and S840 may be omitted.

[0162] If it is determined that the negative portion of the projected net cash balance cannot be covered by the projected net cash balance before the negative portion occurred (step S830: No), then in step S850, the processor 120 determines whether the negative portion of the projected net cash balance can be covered by the insurance payout of the savings insurance. If it is determined that the negative portion of the projected net cash balance can be covered by the insurance payout of the savings insurance (step S850: Yes), then in step S860, the processor 120 covers the negative portion of the projected net cash balance with the insurance payout of the savings insurance. In one example, if there is a surplus in the projected net cash balance, the processor 120 may allocate the entire surplus to the savings insurance. This maximizes future returns. The operation flow then ends.

[0163] If it is determined that the negative amount of the projected net cash balance cannot be covered by the insurance payout of the savings insurance (Step S850: No), in Step S870, the processor 120 determines whether the negative amount of the projected net cash balance can be covered by a combination of loans and financial products. If it is determined that the negative amount of the projected net cash balance can be covered by a combination of loans and financial products (Step S870: Yes), in Step S880, the processor 120 covers the negative amount of the projected net cash balance with a combination of loans and financial products.

[0164] Financial products include, for example, annuity insurance, whole life insurance (with annuity payment rider), education insurance, and loans. Regarding insurance, several types are available to choose from. Whole life insurance can be denominated in yen or foreign currency. Annuity insurance and yen-denominated whole life insurance (with annuity payment rider) accrue interest definitively at a predetermined interest rate (for example, 1.0% per annum) in the general account of the life insurance, while the timing of cash flow can be changed. Depending on the type of insurance, even if the policy is canceled approximately 3-4 years after the contract is signed, the principal is often not lost. For future educational funding needs, education insurance (with an interest rate of, for example, 1.0% per annum) may be a good option.

[0165] Regarding loans, several types of loans are available to choose from. For example, Processor 120 may refer to life planning information and select loans that meet the criteria, in descending order of interest rates. For instance, if life planning information includes events such as purchasing a home or renovating a home, Processor 120 may select a mortgage loan specifically for home purchase or renovation (interest rate, for example, 0.5-3% per annum). Mortgages offer lower interest rates and longer repayment periods compared to other loans. Alternatively, if life planning information includes events such as a child attending middle school, high school, or college, Processor 120 may select an education loan specifically for education expenses (interest rate, for example, 2-4% per annum).

[0166] Furthermore, for example, if the life planning information includes an event related to purchasing a car, processor 120 may select a car loan specifically for purchasing a car (interest rate, for example, 1.5-5% per annum). Also, for example, if the life planning information includes an event related to one's own business, processor 120 may select a business loan specifically for raising business funds (interest rate, for example, 3-15%). Also, for example, if there is a short-term negative balance in the projected net cash balance, processor 120 may select a credit card loan (interest rate, 10-18% per annum).

[0167] For example, processor 120 may choose a hybrid strategy combining insurance and loans. If the loan interest rate is lower than the assumed interest rate of the insurance, or if the priority is to secure an emergency fund and minimize fluctuations in the net cash balance, processor 120 may choose, for example, to continue using loans and savings insurance. On the other hand, if the loan interest rate is higher than the assumed interest rate of the insurance, processor 120 may choose, for example, to prioritize loan repayment and minimize the use of savings insurance.

[0168] In one example, the processor 120 may receive user preferences from the input device 110 and adjust the frequency of use of financial products according to the user preferences. For example, the processor 120 may lower the priority of using insurance products and hold and / or maintain financial net assets.

[0169] If it is determined that the negative amount of the planned net cash balance cannot be covered by financial products (step S870: No), in step S890, the processor 120 displays on the display device 140 that the negative amount cannot be covered. In this case, for example, the processor 120 may return the control flow to step S220 in Figure 4A, receive the editing input for the life plan information, and then execute steps S230 to S260 again.

[0170] Furthermore, whenever the user's life stage changes, or periodically thereafter, the processor 120 may recalculate the projected net cash balance and readjust the selection of financial products or loans accordingly.

[0171] In this specification, the general format editing screen and the simplified input screen are described as separate screens. However, the general format editing screen and the simplified input screen may be integrated. For example, the simplified input screen may be incorporated into the general format editing screen, some or all of the fields on the general format editing screen may be reused as fields on the simplified input screen, and some or all of the fields on the general format editing screen and the fields on the simplified input screen may be common fields. Furthermore, the value of the first argument (label name) or the second argument (suffix) of the form input value acquisition function may be displayed by any means, as long as the user can recognize the value of the argument. For example, the value of the argument of the form input value acquisition function may be displayed by placeholder text, hint text, or helper text.

[0172] The constraint (6) described above is a condition relating to a linear combination of general-format functions, but constraint (6) can also be a condition relating to a linear combination of a general-format function with a function representing any cumulative cash flow that is not expressed by a general-format function, in addition to the general-format function itself. Furthermore, instead of formulas (4), (7), (8), or (9), a formula can be adopted that includes a linear combination of a general-format function with a function representing any cumulative cash flow that is not expressed by a general-format function, in addition to the general-format function itself. This makes it possible to propose financial products that take into account cash flow items that generate more complex cash flows.

[0173] You may use constraints (6) described above, plus other constraints. For example, you may add a constraint between the general format function term related to the home purchase price and the general format function term related to the mortgage loan that the mortgage loan amount must be less than or equal to the home purchase price. Alternatively, you may set the parameter values ​​of the general format functions so that the timing of cash flow generation for one financial product is dependent on the timing of cash flow generation for another financial product. For example, you may set the parameter values ​​of each general format function so that the start or end date of the cash flow for the home purchase price coincides with the start date of the mortgage loan.

[0174] In this specification, embodiments have been described in which an input device 110, a processor 120, a memory 130, and a display device 140 are provided in a single financial product proposal device 100. However, these components may be provided in separate devices, as long as they are functionally connected. Furthermore, in this specification, the input device 110, the processor 120, the memory 130, and the display device 140 have each been described as a single component. However, these may each be multiple components, as long as they are functionally connected.

[0175] In this specification, the disclosure has been described with reference to a flowchart illustrating the processing flow. While the flowchart shows an example of a processing flow, some of the steps included in the processing flow may be rearranged or performed simultaneously, as long as equivalent results can be obtained. Furthermore, some of the steps included in the processing flow may be omitted, as long as the problem to be solved by the invention is resolved.

[0176] In this specification, "A" and / or "B" means at least one of "A", "B", and "A" and "B".

[0177] In the drawings of this specification, the descriptions of reference-given members that are shown with reference numerals also apply to members shown in other drawings that are given the same reference numerals as those members.

[0178] Although one embodiment of the present disclosure has been described above, this embodiment is presented as an example and is not intended to limit the scope of the invention. These novel embodiments can be implemented in various other forms, and various omissions, substitutions, and modifications can be made without departing from the spirit of the invention. These embodiments and their variations are included in the scope and essence of the invention, as well as in the claims of the invention and its equivalents. [Explanation of Symbols]

[0179] 100 Financial product proposal device 110 Input Device 120 processors 130 memory 140 Display device

Claims

1. The processor receives information from the input device indicating the selection of cash flow items, The processor receives from the input device information indicating a first net cash balance at a first point in time and information indicating one or more values ​​relating to the selected cash flow items, The processor calculates the quantity of financial instruments based on the first net cash balance at the first time point and the one or more values, The processor causes the information indicating the quantity to be displayed on the display device, A method for providing this.

2. The processor receives information from the input device indicating the selection of cash flow items, The processor receives from the input device information indicating a first net cash balance at a first point in time and information indicating one or more values ​​relating to the selected cash flow items, The processor calculates the first net cache balance for the period included after the first time point based on the first net cache balance at the first time point and the one or more values, The processor calculates the quantity of financial instruments based on the first net cash balance during the aforementioned period, The processor calculates a second net cash balance by adding the cumulative cash flow generated from the aforementioned financial instrument for the aforementioned quantity to the first net cash balance, The processor causes the display device to display a graph showing the change in the second net cash balance during the aforementioned period, A method for providing this.

3. The method according to claim 2, further comprising the processor displaying a graph on the display device showing the change in the first net cash balance during the aforementioned period.

4. The processor further includes displaying an input form corresponding to the cash flow item on the display device, The one or more values ​​mentioned above are values ​​entered into the input form. The method according to claim 1 or 2.

5. Each of the cash flow items and financial instruments is associated with one or more first functions, each defined by the values ​​of one or more parameters, which return an amount of cumulative cash flow for a given point in time. The one or more parameters include a parameter that identifies the timing of cash flow occurrence in the cumulative cash flow and a parameter that identifies the amount of cash flow, The calculation of the first net cache balance for the aforementioned period by the processor or the calculation of the second net cache balance for the aforementioned period includes calculating the sum of the values ​​of one or more first functions based on the values ​​of one or more parameters and one or more values. The method according to claim 2.

6. The parameters for identifying the timing of the cash flow generation consist of the start time of the cash flow, the end time of the cash flow, and one of the following: the cash flow generation period, the cash flow generation frequency, and the number of cash flow generation occurrences. The parameters for identifying the cash flow amount consist of a base amount of the cash flow amount at the reference time, a rate of change in the cash flow amount, and a period of change in the cash flow amount. The method according to claim 5.

7. The value of at least one of the one or more parameters is defined by a mathematical formula. The above formula includes one or more second functions, each of which takes an argument. The input form includes a display for the value specified in the argument, The processor further comprises calculating the value of a mathematical expression generated by evaluating one or more second functions with one or more values ​​and setting it to the value of at least one parameter. The method according to claim 5.

8. The processor causes the display device to show a screen for the user to input values ​​for one or more of the aforementioned parameters. The processor receives information from the input device indicating the values ​​of one or more of the input parameters, The method of claim 5, further comprising the above.

9. The method according to claim 1 or 2, wherein the financial product comprises at least one of an insurance product and a loan product.

10. The financial instrument includes a financial instrument that generates a cash inflow when the first net cash balance is below a threshold. The method according to claim 2.

11. The processor calculates the quantity of financial instruments based on the first net cash balance during the aforementioned period. The processor determines the quantity for which a predetermined function takes a maximum, local maximum, local minimum, or local minimum value on the value of the second net cache balance at one or more time points, based on constraints that compare the second net cache balance at one or more time points with a threshold at one or more time points. The method according to claim 2.

12. The aforementioned constraint condition includes the condition that the second net cash balance is equal to or greater than the threshold, The predetermined function is a function that returns the weighted average of the values ​​of the second net cash balance at one or more time points, or a function that returns the variance of the values ​​at one or more time points. The method according to claim 11.

13. The determination of the quantity by the processor includes the determination of the quantity by the processor using linear programming or quadratic programming. The method according to claim 11.

14. The system comprises an input device, a processor, and a display device, wherein the processor is Receiving information from the input device indicating the selection of cash flow items, Receiving from the input device information indicating the first net cash balance at a first point in time and information indicating one or more values ​​relating to the selected cash flow items, Calculating the quantity of financial instruments based on the first net cash balance at the first point in time and the one or more values, Displaying information on the display device that indicates at least one of the name and quantity of the financial product, A device configured to perform [a certain action].

15. The system comprises an input device, a processor, and a display device, wherein the processor is Receiving from the input device information indicating the first net cash balance at a first point in time and information indicating one or more values ​​relating to the selected cash flow items, Calculating the first net cash balance for the period included after the first time point based on the first net cash balance at the first time point and the one or more values, Calculating the quantity of financial instruments based on the first net cash balance during the aforementioned period, The processor calculates a second net cash balance by adding the cumulative cash flow generated from the aforementioned financial instrument for the aforementioned quantity to the first net cash balance, The processor causes the display device to display a graph showing the change in the second net cash balance during the aforementioned period, A device configured to perform [a certain action].

16. A program that, when executed, causes a computer to carry out the method according to any one of claims 1 to 3, 5 to 8, and 10 to 13.

Images