Information processing device, information processing method, and program

Abstract

The present invention provides an information processing device, an information processing method, and a program that are capable of adequately preparing for events that may occur in the future. [Solution] The information processing device acquires asset information indicating the user's assets or heir information indicating potential heirs, and determines whether there has been a change in the content indicated by the acquired asset information or heir information. If it determines that a change has occurred, it notifies the user to encourage the creation of a will. This allows the user to be adequately prepared for events that may occur in the future.

Description

Technical Field

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

Background Art

[0002] In recent years, by pre-recording information about a person's property so that it can be conveyed to the person's family or the like, various mechanisms have been proposed for the family or the like to smoothly handle future possible events such as nursing care and inheritance. For example, Patent Document 1 discloses a technique that enables information transmitted by a certain user to be transmitted to an appropriate user at an appropriate time.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, the technique described in Patent Document 1 has problems in updating the content of a will to the latest information in response to changes in the situation, such as updating a will in response to various changes in daily life, and there is room for improvement in terms of sufficiently preparing for future possible events.

[0005] The present invention has been made in view of the above circumstances, and an object thereof is to provide an information processing apparatus, an information processing method, and a program capable of sufficiently preparing for future possible events.

Means for Solving the Problems

[0006] To achieve the above object, an information processing apparatus according to a first aspect of the present invention is A user information acquisition unit that acquires asset information indicating the user's assets or heir information indicating potential heirs, A change determination unit that determines whether or not a change has occurred in the content indicated by the asset information or inheritance beneficiary information acquired by the user information acquisition unit, When the change detection unit determines that a change has occurred, the notification unit notifies the user to encourage the creation of a will, It is equipped with.

[0007] Furthermore, in the information processing device relating to the above viewpoint, The system further includes a condition setting unit for setting a plurality of conditions specified by the user, The change determination unit determines whether a change has occurred in the content indicated by the asset information acquired by the user information acquisition unit that satisfies any of the multiple conditions set by the condition setting unit. When the notification unit determines that a change has occurred that satisfies any of the multiple conditions, it provides a notification with different content depending on the type of condition that was met. You may do so.

[0008] Furthermore, in the information processing device relating to the above viewpoint, When the change determination unit determines that a change has occurred in the content indicated by the inheritance information acquired by the user information acquisition unit, the system further includes a change inheritance identification unit that identifies which attribute of the inheritance has changed. The aforementioned attributes indicate the relationship between the user and the beneficiary, The notification unit provides notifications with different content depending on the attributes of the beneficiary identified by the change beneficiary identification unit. You may do so.

[0009] Furthermore, in the information processing device relating to the above viewpoint, An asset allocation setting unit sets, based on the user's specifications, the heirs corresponding to the user's assets as indicated by the asset information, and asset allocation information showing the distribution of those assets. A will information generation unit that creates will information for the user based on the asset allocation information selected by the user, It may also be possible to further incorporate this feature.

[0010] Furthermore, in the information processing device relating to the above viewpoint, The notification unit provides different notifications depending on whether or not the user's will information has been created in the past by the will information generation unit. You may do so.

[0011] To achieve the above objective, the information processing method according to the second aspect of the present invention is: An information processing method using an information processing device, A user information acquisition step that obtains asset information indicating the user's assets or heir information indicating potential heirs, A change determination step that determines whether or not a change has occurred in the content indicated by the asset information or inheritance information obtained in the user information acquisition step, If the change determination step determines that a change has occurred, a notification step is made to notify the user to encourage them to create a will. It is equipped with.

[0012] To achieve the above objective, the program according to the third aspect of the present invention is: Computers, A user information acquisition unit that acquires asset information indicating the user's assets or heir information indicating potential heirs. A change determination unit determines whether or not a change has occurred in the content indicated by the asset information or inheritance beneficiary information acquired by the user information acquisition unit. If the change detection unit determines that a change has occurred, the notification unit will notify the user to encourage them to create a will. To make it function as such. [Effects of the Invention]

[0013] According to the present invention, it is possible to sufficiently prepare for events that may occur in the future.

Brief Description of the Drawings

[0014] [Figure 1] It is a block diagram showing an example of an information processing system. [Figure 2] It is a block diagram showing an example of an information processing apparatus. [Figure 3] It is an explanatory diagram showing an example of asset information. [Figure 4] It is an explanatory diagram showing an example of family information [Figure 5] It is a flowchart showing an example of setting request processing in a user terminal and change condition setting processing in an information processing apparatus. [Figure 6] It is an explanatory diagram showing an example of change condition information. [Figure 7] It is a flowchart showing an example of request processing 1 in a user terminal and information confirmation processing 1 in an information processing apparatus. [Figure 8] It is an explanatory diagram showing an example of notification content list information. [Figure 9] It is an explanatory diagram showing an example of a display in a user terminal. [Figure 10] It is an explanatory diagram showing an example of a display in a user terminal. [Figure 11] It is a flowchart showing an example of request processing 2 in a user terminal and information confirmation processing 2 in an information processing apparatus. [Figure 12] It is an explanatory diagram showing an example of notification content list information. [Figure 13] It is an explanatory diagram showing an example of a display in a user terminal. [Figure 14] It is an explanatory diagram showing an example of a display in a user terminal. [Figure 15] It is a flowchart showing an example of will creation processing in an information processing apparatus. [Figure 16] It is a flowchart showing an example of asset distribution processing in an information processing apparatus and distribution setting processing in a user terminal. [Figure 17] This is an explanatory diagram showing an example of how it will appear on a user's terminal. [Figure 18] This is an explanatory diagram showing an example of how it will appear on a user's terminal. [Figure 19] This is an explanatory diagram showing an example of asset allocation information. [Figure 20] This flowchart shows an example of the creation process in an information processing device and the allocation selection process on a user terminal. [Figure 21] This is an explanatory diagram showing an example of how it will appear on a user's terminal. [Figure 22] This is an explanatory diagram showing an example of how it will appear on a user's terminal. [Figure 23] This is an explanatory diagram showing an example of how it will appear on a user's terminal. [Modes for carrying out the invention]

[0015] (Embodiment) An information processing device, information processing method, and program relating to embodiments for carrying out the present invention will be described in detail with reference to the drawings. In the drawings, the same or corresponding parts are denoted by the same reference numerals. Hereafter, the information processing device of the present invention will be described using an example in which it is applied to the information processing system 1 shown in Figure 1. The information processing system 1 has a function to notify the user, who is the person creating the will, to promote the creation or updating of the will in response to changes in the user's family situation or changes in their property (assets).

[0016] As shown in Figure 1, the information processing system 1 consists of a user terminal 200, a financial institution system 300, an administrative service system 400, and an information processing device 100, each of which is connected to the network 210 for communication. While the illustrated example shows a single user terminal 200 and a single financial institution system 300, multiple such terminals exist.

[0017] The user terminal 200 is, for example, an information terminal (so-called computer) such as a smartphone, tablet, or PC (Personal Computer) owned by the user who is the subject of the will, and is capable of sending and receiving various data with the information processing device 100 via the network 210.

[0018] The financial institution system 300 is, for example, an information terminal (so-called computer) such as a PC or server in a financial institution such as a bank, insurance company, or securities company, and is capable of sending and receiving various data with the information processing device 100 via the network 210.

[0019] The administrative service system 400 is a server that provides services from local governments and the national government. In this embodiment, the administrative service system 400 is the operating server for the My Number Portal (registered trademark) site. The administrative service system 400 authenticates users when authentication information is entered by the user on the login screen displayed on the My Number Portal site. Authentication information may be obtained, for example, by having the user read their My Number card into an IC card reader and enter a registered password, or, for registered users, by having them enter their login ID and password. The administrative service system 400 is connected to local government servers operated by various local governments and has the function of obtaining family information associated with the user's name and My Number from the local government server and providing it to the user. Note that the administrative service system 400 is not limited to the operating server for the My Number Portal site, but may be any server that operates services provided by local governments and the national government.

[0020] The information processing device 100 is a computer such as a server, and can send and receive various types of data to and from user terminals 200, financial institution systems 300, and administrative service systems 400 via the network 210.

[0021] Next, with reference to Figure 2, the configuration of the information processing device 100 will be described.

[0022] As shown in Figure 2, the information processing device 100 includes a storage unit 110, a control unit 120, an input / output unit 130, a communication unit 140, and a system bus (not shown) that connects these units to each other.

[0023] The memory unit 110 includes ROM (Read Only Memory) and RAM (Random Access Memory), etc. The ROM stores the program 111 executed by the control unit 120, various data (not shown) necessary in advance for executing the program 111, asset information 112, family information 113, change condition information 114, notification content list information 115, asset allocation information 116, and will information 117.

[0024] Program 111 is a program that executes the change condition setting process, information confirmation process 1, information confirmation process 2, and will creation process, which will be described later, and is stored in the memory unit 110 in advance.

[0025] Asset information 112 is stored in the storage unit 110 when the request processing 1 and information confirmation processing 1, which will be described later, are executed. Asset information 112 is information that shows a list of the user's assets. Specifically, in this embodiment, asset information 112 includes asset classification and information that shows the content of the asset, as shown in Figure 3. In the illustrated example, the user owns a plot of land at 1-1 XX, XX Ward, Tokyo, in square meters, as a land asset; owns 1,500,000 yen in cash in an account with account number XXX at the XX Bank, XX Branch, as a deposit asset; and owns 10,000 shares of stock in XX Corporation, as a securities asset.

[0026] Returning to Figure 2, the family information 113 is stored in the storage unit 110 after the request processing 2 and information confirmation processing 2, which will be described later, are executed. The family information 113 is information that shows a list of the user's family members. Specifically, in this embodiment, the family information 113 includes information indicating the name and the relationship to the user, as shown in Figure 4. In the illustrated example, it is shown that the user's family members are his wife, "○yama ○ko," and his eldest son, "○yama ○o." The user is assumed to be "○yama Taro" for the following explanation.

[0027] The change condition information 114 shown in Figure 2 is stored in the storage unit 110 when the change condition setting process described later is executed. The change condition information 114 is a list of conditions that define the conditions for notifying the user to create a will. Specifically, in this embodiment, as shown in Figure 6, multiple conditions are set by user input for the change condition information 114. In the illustrated example, an increase of 1 million to less than 5 million yen is set as condition 1, an increase of 5 million yen or more to less than 10 million yen is set as condition 2, an increase of 10 million yen or more is set as condition 3, a decrease of 1 million to less than 5 million yen is set as condition 4, and a decrease of 5 million yen or more is set as condition 5. In this way, when any of the conditions indicated by the change condition information 114 are met, the user will be notified to create (update) a will.

[0028] Returning to Figure 2, the notification content list information 115 is stored in the storage unit 110 in advance and is a list showing the content of notifications to be sent to the user to prompt them to create (update) a will. In this embodiment, a notification prompting the user to create (update) a will is sent to the user when a change occurs in the user's assets that satisfies any of the multiple conditions shown in the change condition information 114, or when a change occurs in the user's family situation (when a change occurs in the contents of the family information 113). The notification content list information 115 is a list of information showing the notification content according to the content of the change. Specifically, when a change occurs in the user's assets, the notification content list information 115 has different notification content set according to the amount of the change, as shown in Figure 8. Also, when a change occurs in the family situation, different notification content is set according to the target of the change and the increase or decrease, as shown in Figure 12. In other words, the notification content list information 115 in this embodiment includes list information that is referenced when a change occurs in the user's assets and list information that is referenced when a change occurs in the family situation.

[0029] The asset allocation information 116 shown in Figure 2 is stored in the storage unit 110 when the asset allocation process described later is executed. The asset allocation information 116 is a list of information indicating the recipients of the user's assets and the allocation ratios. Specifically, as shown in Figure 19, the asset allocation information 116 in this embodiment includes asset classifications and corresponding asset allocation information, such as information indicating the recipients of the assets (recipient information) and ratio information indicating the proportion of divisible assets. In the illustrated example, ratio information is shown, but the allocation may also be indicated by monetary information showing an amount or by the number of shares showing a number of shares. In addition, the asset allocation information 116 may store multiple patterns, such as pattern 1 where the wife's allocation is larger than others, and pattern 2 where the eldest son's allocation is larger than others, and each pattern may be assigned a name so that the user can easily recognize it.

[0030] Returning to Figure 2, the will information 117 is stored in the storage unit 110 by the execution of the creation process described later. The will information 117 is created according to a predetermined algorithm based on the asset allocation information 116 selected by the user. Specifically, the will information 117 in this embodiment includes a will and an inventory of assets, as shown in Figures 22 and 23. When the creation process is executed again, the previously created will information 117 is overwritten and updated with the new will information 117.

[0031] Returning to Figure 2, the control unit 120 is composed of a CPU (Central Processing Unit), an ASIC (Application Specific Integrated Circuit), and the like. The control unit 120 operates according to the program 111 stored in the memory unit 110 and executes processing according to the program 111. The control unit 120 includes, as its main functional units provided by the program 111 stored in the memory unit 110, a change condition setting unit 121, an asset information acquisition unit 122, a user-related information acquisition unit 123, a change determination unit 124, a will creation notification unit 125, an asset allocation setting unit 126, and a will information generation unit 127.

[0032] The change condition setting unit 121 is a functional unit that sets the conditions shown in the change condition information 114 based on the content specified by the user. Specifically, the change condition setting unit 121 has the function of receiving monetary threshold information entered by the user from the user terminal 200 and registering the content shown in the monetary threshold information in the change condition information 114 as a condition for notifying the user to create a will. The monetary threshold information includes the content of the change amount that is the condition for notification, and the content of the change indicating whether it has increased or decreased. In other words, the change condition setting unit 121 is a functional unit that registers the change condition information 114 shown in Figure 6 to the storage unit 110 in response to a request from the user.

[0033] The asset information acquisition unit 122 shown in Figure 2 is a functional unit that acquires information about the assets owned by the user. Specifically, the asset information acquisition unit 122 has the function of acquiring information about the user's deposit balance from the financial institution system 300 in accordance with the user's request. In this embodiment, for ease of understanding, an example of acquiring deposit information from the financial institution system 300 corresponding to a bank is shown, but information about the user's assets may also be acquired from systems of securities companies, insurance companies, legal affairs bureaus, etc. In addition to requests from the user, asset information may also be acquired automatically at arbitrary times, such as predetermined times such as the year-end and New Year holidays or Obon, or when tax laws are revised. By acquiring the user's asset information through the function of the asset information acquisition unit 122, the asset information 112 is stored in the storage unit 110. In other words, the asset information acquisition unit 122 is a functional unit that registers the asset information 112 shown in Figure 3 to the storage unit 110. Furthermore, the asset information acquisition unit 122 can store the asset information 112 previously stored in the storage unit 110 and the asset information 112 currently stored in the storage unit 110 in separate storage areas so that they can be compared.

[0034] The user-related information acquisition unit 123 shown in Figure 2 is a functional unit that acquires information about the user's beneficiaries, such as information about the user's family. Specifically, the user-related information acquisition unit 123 has the function of acquiring information about the user's family from the administrative service system 400 and acquiring additional information about other beneficiaries entered by the user from the user terminal 200. The family information acquired from the administrative service system 400 and the additional information acquired from the user terminal 200 are stored together as family information 113 in the storage unit 110. In other words, the user-related information acquisition unit 123 is a functional unit that registers the family information 113 shown in Figure 4 to the storage unit 110. The user-related information acquisition unit 123 should store the family information 113 previously stored in the storage unit 110 and the family information 113 currently stored in the storage unit 110 in separate storage areas so that they can be compared. The asset information acquisition unit 122 and the user-related information acquisition unit 123 correspond to the user information acquisition unit.

[0035] The change determination unit 124 is a functional unit that determines changes in the user's assets and changes in the beneficiaries of inheritances. Specifically, the change determination unit 124 has the function of determining whether a change has occurred that satisfies the conditions indicated by the change condition information 114, by comparing the user's assets, i.e., the contents indicated by the asset information 112, obtained by the asset information acquisition unit 122, with the contents indicated by the asset information 112 that were registered in the previous instance. As mentioned above, in this embodiment, for the sake of ease of understanding, an example is shown in which deposit information is obtained from a financial institution system 300 corresponding to a bank, which is a financial institution. Therefore, the change determination unit 124 only determines changes in deposit information. However, other changes such as the acquisition or sale of real estate such as land, and for securities, increases or decreases in the number of shares and the number of shares may also be determined. Furthermore, the change determination unit 124 has the function of determining whether the contents indicated by the family information 113 obtained by the user-related information acquisition unit 123 have changed from the contents indicated by the family information 113 that were set in the previous instance. In other words, the change determination unit 124 is a functional unit that determines whether or not a change has occurred that satisfies predetermined conditions regarding the user's assets or beneficiaries. The change determination unit 124 only needs to determine that a change that satisfies predetermined conditions has occurred if the previously registered asset information 112 or the previously set family information 113 is not stored in the storage unit 110.

[0036] The will creation notification unit 125 is a functional unit that provides notifications to facilitate the creation (including updating) of a will. Specifically, when the change determination unit 124 determines that a change has occurred that meets predetermined conditions, the will creation notification unit 125 has the function of sending notification information to the user terminal 200 owned by the user, thereby notifying the user to facilitate the creation (including updating) of a will. The content of the notification information provided by the will creation notification unit 125 varies depending on the change in the amount of the deposit, which beneficiaries have changed, and the user's experience in creating wills. Experience in creating wills can be determined, for example, by whether or not will information 117 is stored in the memory unit 110. In other words, the will creation notification unit 125 also has the function of specifying the content of the notification.

[0037] The asset allocation setting unit 126 is a functional unit that sets the user's asset allocation, including assets, beneficiaries, and asset distribution, based on the user's requests. Specifically, the asset allocation setting unit 126 has the function of registering the beneficiaries and their distributions for assets specified by the user as asset allocation information 116 in the storage unit 110. In other words, the asset allocation setting unit 126 is a functional unit that registers the asset allocation information 116 shown in Figure 19 in the storage unit 110. The asset allocation setting unit 126 can register multiple patterns of asset allocation information 116 in the storage unit 110 in response to user requests, such as pattern 1 where the wife's distribution is larger than others, and pattern 2 where the eldest son's distribution is larger than others.

[0038] The will information generation unit 127 is a functional unit that creates will information 117 based on the asset allocation information 116 selected by the user. Specifically, the will information generation unit 127 has the function of creating a will and property inventory (see Figures 22 and 23) based on the asset allocation information 116 selected by the user, according to a predetermined algorithm.

[0039] The input / output unit 130 consists of a keyboard, mouse, camera, microphone, liquid crystal display, organic EL (Electro-Luminescence) display, etc., and is a device for inputting and outputting various types of data.

[0040] The communication unit 140 is a device that allows the information processing device 100 to communicate with other information terminals such as the user terminal 200, the financial institution system 300, and the administrative service system 400 via the network 210. The above describes the configuration of the information processing device 100.

[0041] Next, the operation of the information processing system 1 will be explained with reference to Figures 5 to 23. In this example, the user who created the will is "Taro Oyama," and the asset information 112 shown in Figure 3 was previously stored in the memory unit 110 as the assets subject to inheritance, and the family information 113 shown in Figure 4 was previously stored in the memory unit 110 as the beneficiaries of the user. The explanation below will proceed under these assumptions. Furthermore, the beneficiaries will be assumed to be three people: his wife "Yuko Oyama," his eldest son "Yuu Oyama," and his eldest daughter "Yumi Oyama."

[0042] First, the user initiates the setting request process shown in Figure 5 through an operation on the user terminal 200. Specifically, the user initiates the setting request process by launching an application or pressing the start button on the user terminal 200. Once the setting request process is initiated, the user inputs the setting for the change amount (step S11). Specifically, in step S11, the user inputs amount threshold information, which includes the content of the change amount that will trigger the notification, and the content of the change indicating whether it has increased or decreased. As a result, the input amount threshold information is transmitted to the information processing device 100.

[0043] On the information processing device 100 side, upon receiving monetary threshold information from the user terminal 200, the control unit 120 starts the change condition setting process using the function of the change condition setting unit 121. Once the change condition setting process has started, the control unit 120 registers the change condition information 114 in the storage unit 110 using the function of the change condition setting unit 121 (step S12), and then terminates the change condition setting process. Specifically, in the process of step S12, the change condition setting unit 121 registers the contents indicated in the monetary threshold information received from the user terminal 200 as change condition information 114 as a condition for notifying the user to create a will. In this example, in the process of step S12, change condition information 114 including conditions 1 to 6 shown in Figure 6 is registered in the storage unit 110.

[0044] When the process in step S12 shown in Figure 5 is executed, the contents of the change condition information 114 stored in the storage unit 110 are transmitted to the user terminal 200 as setting content information. Then, the user terminal 200 displays the content indicated by the setting content information (setting content) (step S13), and the setting request process is terminated. Specifically, in the process of step S13, it is sufficient for the contents of the change condition information 114, including conditions 1 to 6 shown in Figure 6, to be displayed on the display unit of the user terminal 200.

[0045] Next, the request processing 1 on the user terminal 200 and the information confirmation processing 1 on the information processing device 100 will be explained with reference to Figures 7 to 10. Request processing 1 is a process that requests a change in the user's assets, and information confirmation processing 1 is a process that determines the change in the user's assets and notifies the user to create (update) a will. In this example, we will explain using the case where the user's deposit increases by 1 million yen, from 1,500,000 yen to 2,500,000 yen as shown in Figure 3.

[0046] First, the user initiates the request process 1 shown in Figure 7 through an operation on the user terminal 200. Specifically, the user initiates the request process 1 by launching an application or pressing the start button on the user terminal 200. Once the request process 1 is initiated, an information acquisition request is made (step S21). Specifically, in step S21, the user performs an input operation such as pressing the acquisition request button. As a result, the request information 1 is sent to the information processing device 100. Alternatively, the request information 1 may be automatically sent to the information processing device 100 upon the initiation of the request process 1, without any user operation. The request information 1 is information requesting the execution of the information confirmation process 1.

[0047] On the information processing device 100 side, upon receiving request information 1 from the user terminal 200, the control unit 120 starts information verification process 1. Upon starting information verification process 1, the control unit 120, using the functions of the asset information acquisition unit 122, makes an asset information acquisition request (step S22) and acquires the details of the assets owned by the user. Specifically, in the process of step S22, the asset information acquisition unit 122 sends acquisition request 1 to the financial institution system 300 corresponding to a bank, requesting the transmission of deposit balance information corresponding to the user. As described above, in this embodiment, for ease of understanding, an example of acquiring deposit information from the financial institution system 300 corresponding to a bank is shown, but information on the user's assets may also be acquired from systems of securities companies, insurance companies, legal affairs bureaus, etc. Furthermore, asset information may be acquired automatically at arbitrary times other than requests from the user, such as predetermined timings such as the year-end and New Year holidays or Obon, or when tax laws are revised. In other words, the information verification process 1 may be started at times other than when request information is received from the user terminal 200. Acquisition request 1 is information requesting the user's asset information 112. The step of obtaining the asset information 112 by executing the process in step S22 corresponds to the user information acquisition step.

[0048] On the financial institution system 300 side, upon receiving acquisition request 1 from the information processing device 100, it starts asset information provision processing. Upon starting asset information provision processing, the financial institution system 300 provides asset information based on acquisition request 1 (step S23) and then terminates the asset information provision processing. Specifically, in the process of step S23, the financial institution system 300 provides the user's deposit information indicated by acquisition request 1 to the information processing device 100 as asset information (deposit balance information). As a result, the asset information acquisition unit 122 of the information processing device 100 acquires deposit balance information from the financial institution system 300 and stores it in the storage unit 110 as asset information 112. For example, in this example, when the process of step S23 is executed, information such as 2,500,000 yen is acquired as the user's asset information 112 and stored in the storage unit 110 as asset information 112.

[0049] On the information processing device 100 side, after storing the asset information 112 in the storage unit 110, the control unit 120 determines whether a change satisfying the conditions has occurred using the function of the change determination unit 124 (step S24). Specifically, in the process of step S24, the change determination unit 124 compares the contents of the asset information 112 stored in the storage unit 110 as a result of the execution of the process in step S23 this time with the contents of the asset information 112 stored in the storage unit 110 as a result of the execution of the process in step S23 last time, and determines whether a change satisfying the conditions indicated by the change condition information 114 stored in the storage unit 110 has occurred. For example, in the process of step S24, the change determination unit 124 determines whether any of the changes shown in conditions 1 to 6 in Figure 6 have occurred. In this example, the contents of the asset information 112 (deposit information) stored in the storage unit 110 as a result of the execution of step S23 this time, and the contents of the asset information 112 (deposit information) stored in the storage unit 110 as a result of the execution of step S23 last time, are 2,500,000 yen and 1,500,000 yen, respectively. Since this represents an increase of 1,000,000 yen compared to the previous time, the change determination unit 124 will determine in step S24 that the conditions of condition 1 shown in Figure 6 are met. Note that if the process of step S24 is performed for the first time, the change determination unit 124 only needs to determine that a change has occurred that satisfies the conditions indicated by the change condition information 114. Note that the process of step S24 corresponds to the change determination step.

[0050] If the process in step S24 shown in Figure 7 determines that the conditions are met (step S24; Yes), the control unit 120 uses the function of the will creation notification unit 125 to identify the notification content that will be notified to the user (step S25). Specifically, in the process of step S25, the will creation notification unit 125 identifies the notification content corresponding to the conditions that were determined to be met in the process of step S24, based on the notification content list information 115 (see Figure 8) that is stored in the storage unit 110 in advance. In this example, since the process in step S24 determined that the conditions of condition 1 are met, the will creation notification unit 125 identifies the notification content corresponding to "1 million to less than 5 million yen increase" shown in Figure 8 in the process of step S25. On the other hand, if the process in step S24 shown in Figure 7 determines that the conditions are not met (step S24; No), the control unit 120 terminates the information confirmation process 1.

[0051] After executing the process shown in step S25 in Figure 7, the control unit 120 determines, using the function of the will creation notification unit 125, whether or not the will information 117 is stored in the storage unit 110, that is, whether or not a will has already been created (step S26). Specifically, in the process of step S26, the will creation notification unit 125 determines whether or not the user has experience creating a will based on whether or not the will information 117 that has already been created is stored in the storage unit 110.

[0052] If, in the process of step S26, it is determined that the will information 117 is not stored in the storage unit 110 (step S26; No), the control unit 120 adds notification content using the function of the will creation notification unit 125 (step S27). Specifically, in the process of step S27, the will creation notification unit 125 adds a message with predetermined notification content, which is intended for people creating a will for the first time, to the notification content identified in the process of step S25.

[0053] After executing the process in step S27, or if the process in step S26 determines that the will information 117 is stored in the storage unit 110 (step S26; Yes), the control unit 120 uses the function of the will creation notification unit 125 to notify the user to encourage the creation (including updating) of a will (step S28), and terminates the information confirmation process 1. Specifically, in the process of step S28, the will creation notification unit 125 sends either the notification content identified in the process of step S25 or the notification content after the additional items have been added in the process of step S27 as notification information to the user terminal 200, thereby encouraging the user to create (including updating) a will. For example, if the process in step S25 identifies the notification content corresponding to "1 million to less than 5 million yen increase" shown in Figure 8, the will creation notification unit 125 sends the notification information shown in Figure 9 to the user terminal 200 in the process of step S28. On the other hand, if the process in step S27 is executed, in the process in step S28, the will creation notification unit 125 sends the notification information shown in Figure 10 to the user terminal 200. As shown in the figure, the notification information includes a screen transition button that transitions to the screen for creating a will. Note that the process in step S28 corresponds to the notification step.

[0054] Returning to Figure 7, when the information processing device 100 receives notification information, the user terminal 200 displays the content indicated by the notification information (step S29) and terminates request processing 1. Specifically, as a result of the execution of step S29, the notification information shown in Figure 9 or Figure 10 is displayed on the display unit of the user terminal 200.

[0055] Next, the request processing 2 on the user terminal 200 and the information confirmation processing 2 on the information processing device 100 will be explained with reference to Figures 11 to 14. Request processing 2 is a process that requests the acquisition of information about the user's beneficiaries, and information confirmation processing 2 is a process that determines the changes in the user's beneficiaries and notifies the user to create (update) a will. In this example, the explanation below will be based on the case where the user's beneficiaries increase from two people, as shown in Figure 4, namely his wife "○yama ○ko" and his eldest son "○yama ○o," to three people, namely his wife "○yama ○ko," his eldest son "○yama ○o," and his eldest daughter "○yama ○mi."

[0056] First, the request process 2 shown in Figure 11 is started by an operation performed by the user on the user terminal 200. Specifically, the request process 2 is started when the user launches an application or presses the start button on the user terminal 200. When the request process 2 is started, an information acquisition request is made (step S31). Specifically, in the process of step S31, the user performs an input operation such as pressing the acquisition request button. As a result, the request information 2 is sent to the information processing device 100. Alternatively, the request information 2 may be sent to the information processing device 100 automatically when the request process 2 is started, without any user operation. The request information 2 is information requesting the execution of the information confirmation process 2.

[0057] On the information processing device 100 side, upon receiving request information 2 from the user terminal 200, the control unit 120 starts information confirmation processing 2. Upon starting information confirmation processing 2, the control unit 120, using the functions of the user-related information acquisition unit 123, makes a family information acquisition request (step S32) and acquires the user's family information. Specifically, in the process of step S32, the user-related information acquisition unit 123 sends acquisition request 2 to the administrative service system 400, requesting the transmission of family information corresponding to the user. Acquisition request 2 is information requesting the user's family information. Note that this information confirmation processing 2 may be executed automatically at any time other than a request from the user, i.e., at predetermined times such as the year-end and New Year holidays or Obon, or when there are tax system revisions. Note that the step of executing the process of step S32 to acquire family information 113 including additional information described later corresponds to the user information acquisition step.

[0058] On the administrative service system 400 side, upon receiving acquisition request 2 from the information processing device 100, it starts the family information provision process. Although not shown in the diagram, this family information provision process may first authenticate the user by having the user enter authentication information on the login screen displayed on the My Number Portal site, and then start execution if the authentication is successful. Authentication information may be obtained, for example, by having the My Number Card read by an IC card reader and having the user enter a registered password, or, for registered users, by having them enter a login ID and password.

[0059] When the family information provision process is initiated, the administrative service system 400 provides the family information based on the acquisition request 2 (step S33) and terminates the family information provision process. Specifically, in the process of step S33, the administrative service system 400 provides the family information corresponding to the user indicated by the acquisition request 2 to the user terminal 200 and the information processing device 100 as family information. As a result, the user-related information acquisition unit 123 of the information processing device 100 acquires the family information from the administrative service system 400 and stores it in the storage unit 110 as family information 113. For example, in this example, when the process of step S33 is executed, information is acquired as the user's family information 113, and the information of the three people, wife "○yama ○ko", eldest son "○yama ○o", and eldest daughter "○yama ○mi", is stored in the storage unit 110 as family information 113. This information is then transmitted to the user terminal 200 as family information 113.

[0060] On the user terminal 200 side, when family information 113 is received, the content is displayed on the display unit. If the user wishes to add more beneficiaries, they add beneficiaries by adding family information based on the user's input operation (step S34). When the process in step S34 is executed and beneficiaries are added, this information is sent to the information processing device 100 as additional information. The information processing device 100 then stores the content of this additional information as family information 113 in the storage unit 110. In this example, there are three beneficiaries: wife "○yama ○ko", eldest son "○yama ○o", and eldest daughter "○yama ○mi". Therefore, in the process in step S34, there are no beneficiaries to add, and it is sufficient to send additional information indicating no additional information to the information processing device 100. In the process in step S34, beneficiaries other than family members may be added, such as information about the user's mistress. Furthermore, this embodiment shows an example in which family information 113 provided by the administrative service system 400 and additional information transmitted from the user terminal 200 are stored together in the storage unit 110 as family information 113. However, the family information 113, including the additional information, may also be stored in the storage unit 110 by being entered entirely by the user without going through the administrative service system 400. In other words, the family information 113 (inheritance information) may be stored in the storage unit 110 by the processing of step S34, rather than by the processing of steps S32 and S33.

[0061] On the information processing device 100 side, after storing the family information 113 in the storage unit 110, the control unit 120 determines whether or not a change has occurred in the user's family using the function of the change determination unit 124 (step S35). Specifically, in the process of step S35, the change determination unit 124 compares the contents of the family information 113 stored in the storage unit 110 this time with the contents of the family information 113 stored in the storage unit 110 last time, and determines whether or not a change has occurred in the beneficiaries. In this example, as shown in Figure 4, the number of family members has increased from two people, wife "○yama ○ko" and eldest son "○yama ○o", to three people, wife "○yama ○ko", eldest son "○yama ○o", and eldest daughter "○yama ○mi", so in the process of step S35, the change determination unit 124 determines that there has been a change. Note that if the process of step S35 is performed for the first time, the change determination unit 124 only needs to determine that there has been a change. Note that the process of step S35 corresponds to the change determination step.

[0062] If the process in step S35 shown in Figure 11 determines that there has been a change (step S35; Yes), the control unit 120 uses the function of the will creation notification unit 125 to identify the notification content that will be notified to the user (step S36). Specifically, in the process of step S36, the will creation notification unit 125 identifies the notification content corresponding to the beneficiaries for whom a change was determined in the process of step S35, based on the notification content list information 115 (see Figure 12) that is stored in the memory unit 110 in advance. In this example, since the eldest daughter "○yama ○mi" has been added, the will creation notification unit 125 identifies the notification content corresponding to the change target of "children" shown in Figure 12 in the process of step S36. On the other hand, if the process in step S35 shown in Figure 11 determines that the conditions are not met (step S35; No), the control unit 120 terminates the information confirmation process 2. Thus, in this embodiment, different notifications are sent depending on whether the changed beneficiary is a wife, a child, a mistress, a friend, or some other person, that is, the relationship between the user and the changed beneficiary (the attributes of the beneficiary). The will creation notification unit 125 that identifies the increased attributes of the beneficiary in the processing of step S36 corresponds to the changed beneficiary identification unit.

[0063] After executing the process shown in step S36 in Figure 11, the control unit 120 determines, using the function of the will creation notification unit 125, whether or not the will information 117 is stored in the storage unit 110, that is, whether or not a will has already been created (step S37). Specifically, in the process of step S37, the will creation notification unit 125 determines whether or not the user has experience creating a will based on whether or not the will information 117 that has already been created is stored in the storage unit 110.

[0064] If, in the process of step S37, it is determined that the will information 117 is not stored in the storage unit 110 (step S37; No), the control unit 120 adds notification content using the function of the will creation notification unit 125 (step S38). Specifically, in the process of step S38, the will creation notification unit 125 adds a message with predetermined notification content, which is intended for people creating a will for the first time, to the notification content identified in the process of step S37.

[0065] After executing the process in step S38, or if the process in step S37 determines that the will information 117 is stored in the storage unit 110 (step S37; Yes), the control unit 120 uses the function of the will creation notification unit 125 to notify the user to encourage the creation (including updating) of a will (step S39), and terminates the information confirmation process 2. Specifically, in the process of step S39, the will creation notification unit 125 sends either the notification content identified in the process of step S37 or the notification content after the additional items have been added in the process of step S38 as notification information to the user terminal 200, thereby encouraging the user to create (including updating) a will. For example, if the process in step S38 identifies the notification content corresponding to the change target of "children" shown in Figure 12, the will creation notification unit 125 sends the notification information shown in Figure 13 to the user terminal 200 in the process of step S39. On the other hand, if the process in step S38 is executed, in the process in step S39, the will creation notification unit 125 sends the notification information shown in Figure 14 to the user terminal 200. As shown in the figure, this notification information includes a screen transition button that transitions to the screen for creating a will. Note that the process in step S39 corresponds to the notification step.

[0066] Returning to Figure 11, when the information processing device 100 receives notification information, the user terminal 200 displays the content indicated by the notification information (step S40) and terminates request processing 2. Specifically, as a result of the execution of the process in step S40, the notification information shown in Figure 13 or Figure 14 is displayed on the display unit of the user terminal 200.

[0067] Next, the will creation process in the information processing device 100 will be explained with reference to Figures 15 to 23. The will creation process begins when the user terminal displays notification information after the process in step S29 shown in Figure 7 or the process in step S40 shown in Figure 11 is completed, and the user presses a screen transition button to transition to the screen for creating a will. In other words, the will creation process begins when the "Create Will" button shown in Figures 9, 10, 13, and 14 is pressed. The process may also be started by any other input operation performed by the user.

[0068] When the will creation process shown in Figure 15 is started, the control unit 120 executes the asset allocation process using the functions of the asset allocation setting unit 126 (step S51). Figure 16 is a flowchart showing an example of the asset allocation process executed in step S51 shown in Figure 15. When the asset allocation process shown in Figure 16 is started, the control unit 120 makes an allocation request using the functions of the asset allocation setting unit 126 (step S61). Specifically, in the process of step S61, the asset allocation setting unit 126 sends asset allocation request information to the user terminal 200, requesting input of the heirs of the assets owned by the user and their allocation.

[0069] On the user terminal 200 side, upon receiving asset allocation request information from the information processing device 100, the allocation setting process is initiated. Once the allocation setting process is initiated, the selection of beneficiaries who will inherit the assets and the allocation of those assets are set based on the user's input (step S62). Specifically, in the process of step S62, the user selects beneficiaries for each asset and, if the asset is divisible, inputs its allocation. For example, as shown in Figure 17, if the user's asset is land, which is an indivisible asset, in the process of step S62, the user selects the beneficiaries as shown in the figure. On the other hand, as shown in Figure 18, if the user's asset is a deposit, which is a divisible asset, in the process of step S62, the user sets the beneficiaries of the deposit and its allocation. As described above, in this embodiment, by repeatedly performing the process of step S62, it is possible to set multiple asset allocation patterns, such as pattern 1 where the wife's allocation is larger than others, and pattern 2 where the eldest son's allocation is larger than others. Furthermore, in step S62, asset allocation may be set for all assets owned by the user, or asset allocation may be set for only the assets selected by the user.

[0070] Returning to Figure 16, once the user has set the asset allocation, the settings are transmitted to the information processing device 100 as asset allocation information 116. Upon receiving the asset allocation information 116, the information processing device 100, using the function of the asset allocation setting unit 126 of the control unit 120, stores the contents of the received asset allocation information 116 in the storage unit 110 (step S63), and terminates the asset allocation process. As a result of the processing in step S63, the asset allocation information 116 shown in Figure 19 is stored in the storage unit 110. The example shown illustrates an example of asset allocation information 116 for pattern 1, where the wife's allocation is larger than the others.

[0071] When the process in step S63 shown in Figure 16 is executed, the contents of the asset allocation information 116 stored in the storage unit 110 are sent to the user terminal 200 as registration result information. The user terminal 200 then displays the registration result information (step S64) and terminates the allocation setting process. Specifically, in the process of step S64, if multiple patterns of asset allocation information 116 have been registered, it is sufficient to display the contents of each.

[0072] Returning to Figure 15, after executing the asset allocation process shown in step S51, the control unit 120 executes the creation process using the function of the will information generation unit 127 (step S52), and the will creation process ends. In this embodiment, for ease of understanding, an example is shown in which the allocation setting process is executed first in the will creation process, but if the asset allocation information 116 is already stored in the storage unit 110, the allocation setting process may be skipped. Figure 20 is a flowchart showing an example of the creation process executed in step S52 shown in Figure 15. When the creation process shown in Figure 20 is started, the control unit 120 makes an asset allocation information selection request using the function of the will information generation unit 127 (step S71). Specifically, in the process of step S71, the will information generation unit 127 sends an asset allocation information selection request to the user terminal 200, requesting the user to select the asset allocation information 116 for the asset allocation desired by the user.

[0073] On the user terminal 200 side, upon receiving a request for asset allocation information selection from the information processing device 100, the allocation selection process is initiated. Once the allocation selection process is initiated, the asset allocation information 116 to be used for creating the will is selected based on the user's input (step S72). Specifically, in the process of step S72, the user selects the asset allocation information 116 that corresponds to the asset allocation subject to the will from among the asset allocation information 116 stored in the storage unit 110. For example, in the process of step S72, the user selects the asset allocation information 116 of one of the patterns 1 to 3 shown in Figure 21.

[0074] Returning to Figure 20, after the process in step S72 is executed and the asset allocation information 116 is selected, the executor of the will is determined on the user terminal 200 side (step S73). Specifically, in the process of step S73, the executor's information is entered by the user, and the executor is determined when the confirmation button is pressed. As the processes of steps S72 and S73 are executed, the selected asset allocation information 116 and the executor's information are transmitted to the information processing device 100.

[0075] On the information processing device 100 side, upon receiving the selected asset allocation information 116 and the information of the executor of the will, the control unit 120 creates the will information 117 using the functions of the will information generation unit 127 (step S74), and then terminates the creation process. Specifically, in the process of step S74, the will information generation unit 127 creates a will and an inventory of assets according to a predetermined algorithm, based on the contents indicated by the received asset allocation information 116. The created will will include the information of the received executor of the will.

[0076] When the process in step S74 is executed and the will information 117 is created, the will information 117 is stored in the storage unit 110 and transmitted to the user terminal 200. The user terminal 200 then displays the received will information 117 (step S75) and terminates the distribution selection process. Specifically, in the process of step S75, the user terminal 200 displays the contents of the will shown in Figure 22 and the property inventory shown in Figure 23 as the will information 117.

[0077] The above describes the operation of the information processing system 1. As described above, the information processing system 1 in this embodiment provides notifications to the user, who is the subject of the will, to encourage the creation or updating of the will in response to changes in the user's family situation and assets, thereby enabling sufficient preparation for events that may occur in the future. Furthermore, by providing different notifications depending on the nature of the changes, the system can more effectively encourage the user to create a will.

[0078] (modified version) Furthermore, this invention is not limited to the above embodiments, and various modifications and applications are possible. For example, the information processing device 100 according to the above embodiment does not have to have all of the technical features shown above, and may have some of the configurations described in the above embodiment so as to solve at least one problem in the prior art. Also, at least some of the following modifications may be combined.

[0079] In the above embodiment, examples were shown where the combination of request processing 1 and information confirmation processing 1 shown in Figure 7 and the combination of request processing 2 and information confirmation processing 2 shown in Figure 11 are executed separately. However, these may be executed consecutively. In this case, for example, after executing the process in step S25 shown in Figure 7, the user may be asked whether or not to proceed with information confirmation processing 2 (whether or not there has been a change in family circumstances), and if they proceed with information confirmation processing 2, the information confirmation processing 2 shown in Figure 11 may be executed. This makes it possible to notify the user of changes in both asset circumstances and family circumstances at once, and can more effectively facilitate the creation of a will for the user.

[0080] Furthermore, in the above embodiment, an example was shown in which, in the process of step S24 shown in Figure 7, it is determined whether or not a change has occurred that satisfies the conditions indicated by the change condition information 114 stored in the storage unit 110, but this is just one example. In the process of step S24, for example, regardless of the conditions, the contents of the asset information 112 stored in the storage unit 110 as a result of the execution of the process of step S23 this time may be compared with the contents of the asset information 112 stored in the storage unit 110 as a result of the execution of the process of step S23 last time, and it may be determined whether or not a change has occurred.

[0081] Furthermore, the above embodiment shows examples of notifying the user to create (including update) a will in the process of step S28 shown in Figure 7 and the process of step S39 shown in Figure 11, but this is just one example. The notifications in these processes may be, for example, notifications that display a message in the application process, push notifications, or email notifications, or these may be performed simultaneously. In the case of email notifications, it is sufficient that the email contains information about a URL to transition to the screen for creating a will.

[0082] Furthermore, the information processing device 100 according to the above embodiment can be implemented using a regular computer, not a dedicated device. For example, the information processing device 100 that performs the above-mentioned processing may be configured by installing a program for performing any of the above-mentioned operations from a recording medium to a computer. Alternatively, multiple computers may cooperate to form a single information processing device 100.

[0083] Furthermore, if the above-mentioned functions are realized through a division of labor between the OS (Operating System) and the application, or through collaboration between the OS and the application, then only the parts other than the OS may be stored on the medium.

[0084] Furthermore, it is possible to superimpose a program onto a carrier wave and distribute it via a communication network. For example, the program could be posted on a bulletin board system (BBS) on the communication network and distributed via the network. These programs could then be launched and executed under the control of the operating system, similar to other application programs, thereby enabling the execution of the aforementioned processes. [Explanation of symbols]

[0085] 1 Information processing system, 100 Information processing device, 110 Storage unit, 111 Program, 112 Asset information, 113 Family information, 114 Change condition information, 115 Notification content list information, 116 Asset allocation information, 117 Will information, 120 Control unit, 121 Change condition setting unit, 122 Asset information acquisition unit, 123 User-related information acquisition unit, 124 Change determination unit, 125 Will creation notification unit, 126 Asset allocation setting unit, 127 Will information generation unit, 130 Input / output unit, 140 Communication unit, 210 Network, 200 User terminal, 210 Network, 300 Financial institution system, 400 Administrative service system

Claims

1. A user information acquisition unit that acquires asset information indicating the user's assets or heir information indicating potential heirs, A change determination unit that determines whether or not a change has occurred in the content indicated by the asset information or inheritance beneficiary information acquired by the user information acquisition unit, When the change detection unit determines that a change has occurred, the notification unit notifies the user to encourage the creation of a will, An information processing device equipped with the following features.

2. The system further includes a condition setting unit for setting a plurality of conditions specified by the user, The change determination unit determines whether a change has occurred in the content indicated by the asset information acquired by the user information acquisition unit that satisfies any of the multiple conditions set by the condition setting unit. When the notification unit determines that a change has occurred that satisfies any of the multiple conditions, it provides a notification with different content depending on the type of condition that was met. The information processing apparatus according to claim 1.

3. When the change determination unit determines that a change has occurred in the content indicated by the inheritance information acquired by the user information acquisition unit, the system further includes a change inheritance identification unit that identifies which attribute of the inheritance has changed. The aforementioned attributes indicate the relationship between the user and the beneficiary, The notification unit provides notifications with different content depending on the attributes of the beneficiary identified by the change beneficiary identification unit. The information processing apparatus according to claim 1 or 2.

4. An asset allocation setting unit sets, based on the user's specifications, the heirs corresponding to the user's assets as indicated by the asset information, and asset allocation information showing the distribution of those assets. A will information generation unit that creates will information for the user based on the asset allocation information selected by the user, The information processing apparatus according to claim 1 or 2, further comprising:

5. The notification unit provides different notifications depending on whether or not the user's will information has been created in the past by the will information generation unit. The information processing apparatus according to claim 4.

6. An information processing method using an information processing device, A user information acquisition step that obtains asset information indicating the user's assets or heir information indicating potential heirs, A change determination step that determines whether or not a change has occurred in the content indicated by the asset information or inheritance information obtained in the user information acquisition step, If the change determination step determines that a change has occurred, a notification step is made to notify the user to encourage them to create a will. An information processing method comprising the following:

7. Computers, A user information acquisition unit that acquires asset information indicating the user's assets or heir information indicating potential heirs. A change determination unit determines whether or not a change has occurred in the content indicated by the asset information or inheritance beneficiary information acquired by the user information acquisition unit. If the change detection unit determines that a change has occurred, the notification unit will notify the user to encourage them to create a will. A program that makes it function as such.

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