Information processing systems, information processing methods, and programs

Abstract

To improve the convenience for users when obtaining advice on life planning. [Solution] The information processing system comprises: a calculation means for calculating a user's life plan based on first transaction information acquired at a first timing, which is the user's transaction information; a diagnostic means for diagnosing the life plan; a first providing means for providing the user with the results of the diagnosis; and a second providing means for generating comments about the life plan based on second transaction information acquired at a second timing later than the first timing, which is the user's transaction information, and providing these comments to the user on a chat screen.

Claims

1. A calculation means that calculates a user's life plan based on the first transaction information obtained at a first timing, and A diagnostic means for diagnosing the aforementioned life plan, A first providing means for providing the results of the diagnosis to the user, A second providing means that generates comments regarding the life plan based on the user's transaction information, specifically second transaction information acquired at a second timing later than the first timing, and provides these comments to the user on the chat screen. An information processing system equipped with the following features.

2. A registration means that accepts user information registration from the aforementioned user and manages it in association with the aforementioned user, An acquisition means that acquires the first transaction information at the first timing and the second transaction information at the second timing based on the user information, The information processing system according to claim 1, further comprising:

3. A management means for managing the user's household information or asset information based on the first transaction information, A third providing means that provides the user with a screen that displays the household information or asset information, and includes a display element for instructing the start of a life plan diagnosis. Furthermore, When the display element is selected on the screen, the first providing means further provides the user with questions for life plan diagnosis. The calculation means calculates the life plan based on the answers to the questions and the first transaction information. The information processing system according to claim 1.

4. The system further includes an alert mechanism that prompts the user to re-evaluate their life plan when a predetermined change occurs in the household financial information or asset information. The information processing system according to claim 3.

5. The first providing means provides investment advice to the user in accordance with the results of the diagnosis. The information processing system according to claim 1.

6. The first providing means further provides the user with investment advice, depending on whether the user information is information for accessing the user's investment account. The information processing system according to claim 2.

7. The second means of provision is, The user is provided with multiple options on the aforementioned chat screen. Based on the option selected from the aforementioned multiple options and the second transaction information, an instruction statement is generated. The aforementioned command is input to the generation AI to generate the aforementioned comment. The information processing system according to claim 1.

8. The second means of provision is, The message entered by the user on the chat screen is input to the generating AI to determine the conversation mode. Based on the aforementioned conversation mode, the selected option, and the second transaction information, the command statement is generated. The information processing system according to claim 7.

9. A method of information processing performed by a computer, A step of calculating a user's life plan based on the user's transaction information, which is obtained at a first time point. The steps for diagnosing the aforementioned life plan, The steps include providing the user with the results of the diagnosis, The steps include generating comments regarding the life plan based on the user's transaction information, specifically second transaction information obtained at a second timing later than the first timing, and providing these comments to the user on the chat screen, Information processing methods including

10. On the computer, A step of calculating a user's life plan based on the user's transaction information, which is obtained at a first time point. The steps for diagnosing the aforementioned life plan, The steps include providing the user with the results of the diagnosis, The steps include generating comments regarding the life plan based on the user's transaction information, specifically second transaction information obtained at a second timing later than the first timing, and providing these comments to the user on the chat screen, A program to execute.

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