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

Abstract

To provide an information processing device, an information processing method, and an information processing program which can offer appropriate investment target commodities according to an investment status of a user.SOLUTION: An information processing device includes an acquisition section, a determination section, and a provision section. The acquisition section acquires portfolio information as information indicating a portfolio of a user. The determination section determines an investment target commodity capable of maintaining a composition ratio of the portfolio in a predetermined variation range as a proposal commodity which is an investment target commodity to be proposed to the user. The provision section provides information indicating the proposal commodity determined by the determination section.SELECTED DRAWING: Figure 4

Description

[Technical field]

[0001] The present invention relates to an information processing device, an information processing method, and an information processing program. [Background technology]

[0002] 2. Description of the Related Art Conventionally, financial institutions, securities companies and the like have conducted business such as proposing and selling investment products such as financial products to individuals, and such business has also been supported by information processing devices.

[0003] Patent Document 1 discloses a technology for calculating a user's risk (for example, travel risk, health risk, traffic risk, etc.) based on user information, which is information about the user, and proposing financial products to the user based on such risk. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2020-071622 A Summary of the Invention [Problem to be solved by the invention]

[0005] However, the above-mentioned conventional techniques do not take into account the investment situation of the user, and may not be able to suggest appropriate investment products, so there is room for improvement.

[0006] The present application has been made in consideration of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can suggest appropriate investment products according to a user's investment situation. [Means for solving the problem]

[0007] The information processing device according to the present application includes an acquisition unit, a determination unit, and a provision unit. The acquisition unit acquires portfolio information, which is information indicating a user's portfolio. The determination unit determines an investment product that can maintain a composition ratio of the portfolio within a predetermined fluctuation range as a proposed product, which is an investment product proposed to the user. The provision unit provides information indicating the proposed product determined by the determination unit. Effect of the Invention

[0008] According to one aspect of the embodiment, it is possible to propose appropriate investment products according to the user's investment situation. [Brief description of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. [Diagram 2] FIG. 2 is a diagram illustrating an example of the configuration of an information processing system according to the embodiment. [Diagram 3] FIG. 3 is a diagram illustrating an example of the configuration of a terminal device according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of the configuration of the information processing device according to the embodiment. [Diagram 5] FIG. 5 is a diagram illustrating an example of a user information table stored in a user information storage unit according to the embodiment. [Figure 6] FIG. 6 is a diagram showing an example of a portfolio information table stored in the portfolio information storage unit according to the embodiment. [Figure 7] FIG. 7 is a diagram illustrating an example of an investment target product information table stored in the investment information storage unit according to the embodiment. [Figure 8] FIG. 8 is a diagram showing an example of home information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. [Figure 9] FIG. 9 is a diagram showing an example of category display information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. [Figure 10]FIG. 10 is a diagram showing another example of category display information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. [Figure 11] FIG. 11 is a diagram showing an example of ranking information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. [Figure 12] FIG. 12 is a diagram showing another example of ranking information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. [Figure 13] FIG. 13 is a diagram showing an example of target user portfolio information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. [Figure 14] FIG. 14 is a diagram showing an example of investment product detail information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. [Figure 15] FIG. 15 is a diagram showing another example of the investment product detail information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. [Figure 16] FIG. 16 is a flowchart showing an example of information processing by the processing unit of the information processing device according to the embodiment. [Figure 17] FIG. 17 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device and the terminal device according to the embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] Hereinafter, the information processing device, the information processing method, and the information processing program according to the present application (hereinafter, referred to as "embodiments") will be described in detail with reference to the drawings. Note that the information processing device, the information processing method, and the information processing program according to the present application are not limited to these embodiments. In addition, each embodiment can be appropriately combined as long as the processing contents are not contradictory. In addition, the same parts in each of the following embodiments are given the same reference numerals, and duplicated explanations will be omitted.

[0011] [1. An example of information processing] First, an example of information processing according to the embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram showing an example of information processing according to the embodiment.

[0012] 1 is an information processing device that cooperates with a terminal device 2 of a user U and provides various types of information to the user U online, and is realized by, for example, one or more servers or a cloud system. Note that, although one terminal device 2 is shown in the example shown in FIG. 1, the information processing device 1 cooperates with each of a plurality of terminal devices 2 and provides various types of information online to the user U of each terminal device 2.

[0013] The information provided to the user U by the information processing device 1 is, for example, information related to finance, electronic commerce, web search, or the like, but is not limited to such examples. In the following, a case where the information mainly provided by the information processing device 1 is information related to finance will be described as an example. In the following, a service that provides information related to finance may be referred to as a finance information service.

[0014] 1, when a user U performs a predetermined operation on a terminal device 2 in order to acquire investment-related information, which is information related to an investment product, a request for investment-related information is transmitted from the terminal device 2 to the information processing device 1 (step S1). In the following, the user U of the terminal device 2 that transmitted the investment-related information request may be referred to as a target user.

[0015] When the information processing device 1 receives an investment-related information request from the terminal device 2, it acquires target user portfolio information, which is information indicating the portfolio of the target user, who is the user U of the terminal device 2, from an internal storage unit or an external device (step S2).

[0016] Furthermore, the information processing device 1 acquires similar user portfolio information, which is information indicating the portfolios of similar users who are other users U similar to the target user, from an internal storage unit or an external device (step S3).

[0017] A similar user is, for example, a user U whose attributes and / or portfolio composition ratio are similar to those of the target user. The attributes are, for example, demographic attributes, psychographic attributes, etc. The information processing device 1 has attribute information that is information indicating the attributes of each user U, and for example, if the target user is a man in his 30s who lives in Tokyo and has an annual income of 5 million yen, the information processing device 1 determines that the man in his 30s who lives in Tokyo and has an annual income of 5 million yen is a similar user.

[0018] The composition ratio of the target user's portfolio is, for example, the ratio of the total value (for example, total valuation) of each category of investment target products held by the target user. In addition to financial products, investment target products include non-financial products such as precious metal products such as gold, silver, and platinum, commodity products such as crude oil, wheat, and soybeans, and real estate products. Categories of investment target products include, for example, Japanese stocks, US stocks, bonds, investment trusts, REITs (Real Estate Investment Trusts), ETFs (Exchange-Traded Funds), real estate, precious metals, and virtual currencies.

[0019] For example, assume that the categories of investment products held by the target user are Japanese stocks, investment trusts, and REITs, and the user holds 10 million yen worth of Japanese stocks, 5 million yen worth of investment trusts, and 5 million yen worth of REITs. In this case, the composition of the portfolio is 50% Japanese stocks, 25% investment trusts, and 25% REITs.

[0020] The composition ratio of the portfolios being similar means, for example, that the difference between the ratios of the valuation amounts of the categories is within a predetermined range, and the predetermined range is, for example, within 20%, but is not limited to such an example and may be, for example, a range specified by the target user. In addition, the composition ratio of the portfolios being similar means, for example, that some categories are not included.

[0021] Furthermore, the information processing device 1 can also determine, for example, another user U who has similar attributes to the target user and has invested more than the target user, as a similar user. The information processing device 1 can calculate, for each user U, the total price (valuation) of the investment target products held by the user U as the investment amount based on the information on the portfolio of the user U, and determine similar users based on the calculated investment amount.

[0022] Furthermore, the information processing device 1 can also determine, for example, another user U who has similar attributes to the target user and has a large investment gain as a similar user. The information processing device 1 can calculate the investment gain of the total investment target products held by the user U for each user U based on information on the user U's portfolio, and determine similar users based on the calculated investment gain. The investment gain is short-term (for example, a preset period of one year or less), medium-term (for example, a preset period of one year or more but less than five years), or long-term (for example, a preset period of five years or more).

[0023] The information processing device 1 can also determine, for example, another user U whose portfolio composition is similar to that of the target user and whose investment amount is larger than that of the target user, as a similar user. The information processing device 1 can also determine, for example, another user U whose portfolio composition is similar to that of the target user and whose investment profit is larger than that of the target user, as a similar user.

[0024] Next, the information processing device 1 determines a proposed product, which is an investment target product to be proposed to the target user, based on the target user portfolio information acquired in step S2 and the similar user portfolio information acquired in step S3 (step S4). In the process of step S4, the information processing device 1 determines a first proposed product and a second proposed product as investment target products to be proposed to the target user.

[0025] First, the first suggested product will be described. The information processing device 1 determines, based on the target user portfolio information, an investment product that can maintain the composition ratio of the target user's portfolio within a predetermined fluctuation range as the first suggested product.

[0026] The predetermined fluctuation range is, for example, a range in which the fluctuation rate of each category is within 10% or a range in which the fluctuation rate of each category is within 20%, but is not limited to such examples and may be a fluctuation range specified by the target user. In the following, the predetermined fluctuation range may be referred to as a specified fluctuation range, the composition ratio of the portfolio may be simply referred to as a composition ratio, and the target user's portfolio may be referred to as a target user portfolio.

[0027] For example, the information processing device 1 determines an investment target product to be proposed to the target user as an investment target product to be added to the target user portfolio as the first proposed product. Also, the information processing device 1 determines an investment target product to be proposed to the target user as a replacement target for the investment target product included in the target user portfolio as the first proposed product. In the following, an investment target product included in the target user portfolio and a candidate for replacement with the first proposed product may be referred to as a replacement candidate product.

[0028] The information processing device 1 determines, for example, an investment product that is not included in the target user portfolio and is held by a similar user as the first suggested product. For example, the information processing device 1 determines, as the first suggested product, an investment product whose composition ratio falls within a prescribed fluctuation range when added to the target user portfolio and whose number of purchased similar users satisfies a predetermined first condition.

[0029] The first condition is, for example, an investment product for which the number of similar users who have purchased is greater than or equal to a threshold, or the highest, or an investment product for which the number of similar users who have purchased from a predetermined period before the present is greater than or equal to a threshold, but is not limited to such examples.

[0030] In addition, the information processing device 1 can, for example, determine an investment target product included in the target user portfolio and specified by the target user as a replacement candidate product, and determine an investment target product similar to such replacement candidate product as the first suggested product.

[0031] An investment target product similar to a replacement candidate product is, for example, a product in the same category and with a similar price, which is predicted to provide a greater profit to the user U than the replacement candidate product. The profit that the user U can obtain is investment profit including dividends.

[0032] Furthermore, the information processing device 1 can also determine, as a replacement candidate commodity, an investment target commodity that is estimated to no longer satisfy the holding purpose, which is the purpose for which the target user holds the investment target commodity, among the investment target commodity included in the target user's portfolio.

[0033] In this case, the information processing device 1 determines, as the first proposed product, for example, an investment product that is not included in the target user portfolio and is estimated to satisfy the holding purpose that the replacement candidate product no longer satisfies. If the investment product is a stock product, the holding purpose is, for example, a specific shareholder benefit or dividend (including projected dividend).

[0034] The information processing device 1, for example, determines an investment product that does not have a specific shareholder benefit among multiple investment products included in the target user portfolio as a replacement candidate product. The information processing device 1 determines an investment product that is not included in the target user portfolio and has a specific shareholder benefit as the first proposed product. The shareholder benefit is the provision of food products, gift certificates, coupons, gift certificates, or shareholder benefit cards.

[0035] When the information processing device 1 determines a product of a stock brand that has discontinued the provision of food products as a shareholder benefit as a replacement candidate product, it determines a product of a stock brand that still provides food products as a shareholder benefit as a first proposed product.

[0036] Furthermore, the information processing device 1 determines, for example, an investment target product whose dividend decline rate in a predetermined period is equal to or greater than a threshold among the investment target products included in the target user portfolio as a replacement candidate product.Then, the information processing device 1 determines, as the first proposed product, an investment target product that is not included in the target user portfolio and has a dividend payout ratio equal to or greater than the dividend payout ratio of the replacement candidate product before the decline in dividend.

[0037] The information processing device 1 can also determine, as the first suggested product, an investment product whose composition ratio will come within a prescribed fluctuation range when replaced and whose number of purchased similar users satisfies a predetermined second condition.

[0038] The second condition is, for example, an investment product for which the number of similar users who have purchased is greater than or equal to a threshold, or the highest, or an investment product for which the number of similar users who have purchased from a predetermined period before the present is greater than or equal to a threshold, but is not limited to such examples.

[0039] Next, the second suggested product will be described. The information processing device 1 compares the target user portfolio information with the similar user portfolio information, and determines the second suggested product based on the comparison result.

[0040] The information processing device 1, for example, determines an investment product to be added to the target user portfolio as the second suggested product, or determines an investment product to be proposed to the target user as a replacement for the investment product included in the target user portfolio as the second suggested product.

[0041] The information processing device 1 determines, as the second suggested product, an investment product that approaches the composition ratio of the similar user's portfolio when held. For example, the information processing device 1 determines, as the second suggested product, an investment product that approaches the composition ratio of the similar user's portfolio when held and that is held by a number of similar users that satisfies a predetermined third condition.

[0042] The third condition is, for example, an investment product that has a number of similar users that is greater than or equal to a threshold, or that has the highest number of similar users that have come to be held during the period from a predetermined period before the present, but is not limited to such examples.

[0043] Next, the information processing device 1 acquires information on the behavior history of a user of interest who is another user U in whom the target user is interested, from an internal storage unit or an external device (step S5).

[0044] The user of interest is another user U designated by the target user, another user U in whom the target user is presumed to be interested, etc. The information processing device 1 can presumably be the other user U in whom the target user is interested.

[0045] For example, the information processing device 1 estimates, as the user of interest, other users U who post blogs whose number of views or frequency of views by the target user is equal to or greater than a threshold, other users U whom the target user follows on an SNS, or other users U whose portfolios whose number of views or frequency of views by the target user is equal to or greater than a threshold. In addition, the information processing device 1 can also estimate, as the user of interest, other users U designated by a similar user as the user of interest, for example.

[0046] In addition, the information processing device 1 can also estimate, as users of interest, other users U who have posted comments whose number of views or frequency of views by the target user is greater than or equal to a threshold, or estimate, as users of interest, other users U who have posted content such as news articles whose number of views or frequency of views by the target user is greater than or equal to a threshold.

[0047] In addition, the information processing device 1 can infer, as a user of interest, other users U who have posted comments for which the number or frequency of positive evaluations (e.g., "likes") by the target user is greater than or equal to a threshold, or can infer, as a user of interest, other users U who have posted content, such as news articles, for which the number of views or frequency of views by the target user is greater than or equal to a threshold.

[0048] Furthermore, the information processing device 1 can also estimate, as a user of interest, another user U who has a portfolio similar in composition ratio or investment target products (for example, stock brands) to the target user's portfolio.

[0049] The information on the behavior history of the user of interest includes, for example, information on the behavior history of the user of interest in a financial information service provided by the information processing device 1. The information on the behavior history of the user of interest includes, for example, search history information of the user of interest in a financial information service, browsing history information of the user of interest in a financial information service, and transaction history information of the user of interest, but is not limited to such examples.

[0050] The transaction history information of a user of interest is, for example, information on investment products that have been purchased by the user of interest or information on investment products that have been purchased by the user of interest and provided from an external information processing device, but is not limited to such examples.

[0051] Next, the information processing device 1 generates investment-related information, which is information related to investment (step S6). The investment-related information includes information indicating the first proposed product, information indicating the second offered product, and information according to the behavior history of the user of interest.

[0052] The information according to the behavioral history of the user of interest is currently viewed information that is information being viewed by the user of interest, viewed information that is information viewed by the user of interest, etc. Viewed information is information that is viewed by the user of interest with a frequency equal to or higher than a threshold, or information that has been viewed by the user of interest during a period from a predetermined period before to the present or immediately prior. Hereinafter, information according to the behavioral history of the user of interest may be referred to as user of interest information.

[0053] Furthermore, the interested user information may include, for example, information on investment products purchased or sold by the interested user instead of or in addition to the currently viewed information and the viewed information.

[0054] Furthermore, the information processing device 1 can also set the currently viewed information or the viewed information corresponding to the association based on the association between the transaction history information and the browsing history information of the interested user as the interested user information. In this case, the information processing device 1 can also set the currently viewed information or the viewed information corresponding to the association based on the association between the transaction history information of the interested user corresponding to the transaction history information of the target user and the browsing history information of the interested user as the interested user information.

[0055] For example, the information processing device 1 can generate investment-related information including, as the user of interest information, reference information that is information that a user of interest who holds the same investment product as the target user referred to or used as reference when trading the investment product. In this case, the user of interest information includes, for example, the above-mentioned reference information as well as information such as a character string "Another user U who sold the same investment product as you (e.g., stocks of brand A) viewed this information immediately before."

[0056] In addition, the interested user information is not limited to information of one interested user, and may include information of multiple interested users. The information processing device 1 may also use information according to statistical trends obtained from the behavioral histories of multiple interested users as the interested user information.

[0057] For example, the information processing device 1 may treat information viewed or being viewed by a threshold value (e.g., 55%) or more of the specific plurality of users of interest in a recent predetermined period (e.g., today's morning) as the user of interest information. The specific plurality of users of interest is, for example, a predetermined percentage (e.g., 70%) or more of the users of interest designated by the target user or estimated by the information processing device 1.

[0058] Furthermore, the information processing device 1 can also set information according to a statistical tendency of a transaction history based on a result of browsing of the interested user as the interested user information. For example, the information processing device 1 can set information of a specific ratio (e.g., 50%) or more of the investment target products traded (e.g., purchased or sold) by a number of interested users of a specific number of interested users or more that have browsed information during a recent predetermined period as the interested user information.

[0059] For example, assume that the information viewed by a threshold number (e.g., 55%) or more of a specific number of users of interest in a recent specified period (e.g., today's morning) is investment products A, B, and C, and the viewing ratios are 60%, 30%, and 10%. In this case, the information processing device 1 regards the information on investment product A as the user of interest information. The information processing device 1 can also estimate the above-mentioned similar users as users of interest.

[0060] The information processing device 1 can highlight the interested user information among the investment-related information in comparison with other information. Highlighting is performed, for example, by making the characters, frame, background, or the like different from other areas.

[0061] For example, the information processing device 1 highlights the information by increasing the size of the characters, making the characters bold, or making the color of the characters stand out (for example, red), etc. The information processing device 1 can also highlight the information by making the frame surrounding the interested user information thicker, making the color of the frame surrounding the interested user information stand out, or making the background color stand out.

[0062] Next, the information processing device 1 transmits the investment-related information generated in step S6 to the terminal device 2, and provides the investment-related information to the user U of the terminal device 2 (step S7). The terminal device 2 receives the investment-related information transmitted from the information processing device 1, and displays the received investment-related information.

[0063] The information processing device 1 can notify the terminal device 2 of the interested user information at a timing different from the timing of transmitting the investment-related information. For example, the information processing device 1 can notify the terminal device 2 of the new interested user information in a push format at a timing when it is determined that there is new interested user information (for example, at a timing when it is determined that there is currently viewed information or viewed information).

[0064] Moreover, instead of or in addition to the new interested user information, the information processing device 1 can also notify the terminal device 2 of numerical information, which is information indicating the number of new interested user information. By selecting the numerical information displayed on the terminal device 2, the target user can cause the terminal device 2 to display the new interested user information as many as the number indicated by the numerical information.

[0065] In the example shown in (a) of Figure 1, the investment-related information displayed on the terminal device 2 includes composition ratio information, news information, information indicating the first proposed product, information indicating the second proposed product, user information of interest, a category display button, and a ranking display button.

[0066] The composition ratio information is information indicating the composition ratio of the target user portfolio. The news information is information indicating news related to investments, for example, news information extracted according to the interests of the target user. The user of interest information is information based on the behavior history of the user of interest.

[0067] The category display button is a GUI (Graphical User Interface) button for displaying category display information, which is information indicating a category list from which the user U can confirm or select a category, on the terminal device 2. The ranking display button is a GUI for displaying ranking information, which is information indicating rankings of portfolios, rankings of investment-related products, etc., on the terminal device 2.

[0068] When the user U wants to display category display information on the terminal device 2, he or she operates the above-mentioned category display button by operating the terminal device 2. As a result, a category display information request is transmitted from the terminal device 2 to the information processing device 1 (step S8).

[0069] When the information processing device 1 receives a category display information request transmitted from the terminal device 2, it generates category display information (step S9). In the process of step S9, the information processing device 1 generates category display information that is information indicating each category of investment targets in a manner according to the investment status for each category. The categories of investment targets are, for example, Japanese stocks, US stocks, bonds, investment trusts, REITs, ETFs, real estate, precious metals, virtual currencies, etc., but are not limited to these examples.

[0070] The investment state is at least one of the number of holding users who are users U who hold the investment target products included in the category and the total value (total valuation) of the investment target products included in the category. In the following, the number of holding users who are users U who hold the investment target products included in the category may be referred to as the number of holding users, and the total value (total valuation) of the investment target products included in the category may be referred to as the category valuation.

[0071] For example, the information processing device 1 generates, as category display information, information indicating each category in a mode in which the degree of emphasis is increased as at least one of the number of users and the category valuation is increased, as a mode according to the investment state. When the information indicating a category is a figure containing characters indicating the category, the degree of emphasis is increased as the characters indicating the category or the figure indicating the category is increased.

[0072] For example, when the information indicating a category is a graphic containing text, the information processing device 1 generates information indicating each category as category display information in such a manner that the graphic or text indicating the category is larger and more emphasized for categories having a larger number of users and / or a larger category valuation.

[0073] Furthermore, the information processing device 1 generates, as category display information, information that indicates an investment category, which is a category in which the target user invests among a plurality of categories, in a manner different from a non-investment category, which is a category in which the target user does not invest. The category in which the target user invests is a category of investment target products held by the target user, and the category in which the target user does not invest is a category in which the target user does not hold any investment target products.

[0074] The information processing device 1, for example, highlights the investment category more than the non-investment category, thereby making the investment category different from the non-investment category. This allows the user U to easily distinguish the investment category.

[0075] In addition, the information processing device 1 generates, as category display information, information in which a figure indicating an investment category among a plurality of categories is placed closer to a reference position than a figure indicating a non-investment category. This allows the user U to more easily distinguish the investment category.

[0076] The reference position is, for example, a central area of ​​the category display information, but is not limited to such an example. For example, when scrolling is required to display all of the category display information, the reference position may be the center of an area displayed at first view in the category display information.

[0077] In addition, the information processing device 1 can also generate as category display information information in which information indicating an uninvested category, which is a category in which the target user has not invested, and which has a larger number of similar users who hold the investment target product, is placed closer to the reference position.

[0078] Next, the information processing device 1 transmits the category display information generated in step S9 to the terminal device 2, and provides the category display information to the user U of the terminal device 2 (step S10). The terminal device 2 receives the category display information transmitted from the information processing device 1, and displays the received category display information.

[0079] In the example shown in (b) of Figure 1, the category display information displayed on the terminal device 2 includes information indicating each of a plurality of categories, such as Japanese stocks, U.S. stocks, bonds, investment trusts, REITs, ETFs, real estate, precious metals, and virtual currencies.

[0080] In the category display information shown in FIG. 1(b), the figures indicating the categories are smaller in the order of Japanese stocks, investment trusts, real estate, bonds, precious metals, ETFs, REITs, US stocks, and virtual currencies. When the mode according to the investment state for each category corresponds to the mode according to the number of users who own the category, the user U can easily understand that the larger the figure indicating the category, the greater the number of users who own the category. Hereinafter, a figure indicating a category or a figure indicating a category including character information indicating a category may be referred to as a category figure. The category figure shown in FIG. 1(b) includes character information indicating a category within a circular frame, but the shape of the frame is not limited to a circle.

[0081] Furthermore, in the case where the mode according to the investment state for each category corresponds to the category valuation, the information processing device 1 allows the user U to easily understand that the larger the figure showing the category, the higher the category valuation. Note that the information processing device 1 calculates a score obtained by weighting and adding the number of users and the category valuation, and can make the category figure larger for a category with a higher score.

[0082] In addition, in the category display information shown in (b) of FIG. 1, the category figures showing Japanese stocks, US stocks, bonds, investment trusts, and precious metals are highlighted compared to the other categories, allowing the target user to easily understand that the target user holds Japanese stocks, US stocks, bonds, investment trusts, and precious metals.

[0083] In the category display information shown in FIG. 1(b), a category figure showing Japanese stocks is placed in an area including the reference position, and category figures showing U.S. stocks, bonds, investment trusts, and precious metals are also placed in positions close to the reference position. This also allows the target user to easily understand that he or she holds Japanese stocks, U.S. stocks, bonds, investment trusts, and precious metals.

[0084] While the category display information shown in (b) of FIG. 1 is displayed on the terminal device 2, the user U can select one of the multiple category figures by operating the terminal device 2.

[0085] When a category graphic is selected by the user U, the information processing device 1 generates, as category display information, information in which graphics indicating a plurality of subcategories included in the category indicated by the selected category graphic are arranged around the selected category graphic. Then, the information processing device 1 transmits the generated category display information to the terminal device 2 and causes the terminal device 2 to display the category display information.

[0086] Next, the ranking information will be described. When the user U wants to display the ranking information on the terminal device 2, the user U operates the above-mentioned ranking display button by operating the terminal device 2. As a result, a ranking information request is transmitted from the terminal device 2 to the information processing device 1 (step S11).

[0087] When the information processing device 1 receives the ranking information request transmitted from the terminal device 2, the information processing device 1 generates ranking information (step S12). In the process of step S12, the information processing device 1 generates ranking information based on the portfolios of multiple users U.

[0088] For example, the information processing device 1 generates information ranking the portfolios as ranking information based on the portfolio information of multiple users U. The information ranking the portfolios is, for example, at least one of information ranking the valuation amounts of the portfolios and information ranking the investment gains of the portfolios. Hereinafter, the ranking of the portfolios may be referred to as a portfolio ranking, and the information on the portfolio ranking may be referred to as portfolio ranking information.

[0089] Furthermore, the information processing device 1 can generate, as portfolio ranking information, information that ranks a plurality of portfolios including the target user's portfolio and the portfolios of a plurality of other users U whose attributes are similar to those of the target user. A user U whose attributes are similar to those of the target user is a user U who shares some attribute items (e.g., gender, age, location, annual income, etc.) with the target user, and some attribute items can be specified by the target user, for example.

[0090] The information processing device 1 can also generate, as portfolio ranking information, information that ranks a plurality of portfolios including the target user's portfolio and the portfolios of a plurality of other users U whose portfolio composition ratios are similar to that of the target user. The portfolio composition ratios being similar means, for example, that the difference between the ratios of the valuation amounts of each category is within a predetermined range, and the predetermined range is, for example, within 20%, but is not limited to this example, and may be, for example, a range designated by the target user.

[0091] In addition, the information processing device 1 generates ranking information including investment proposal information, which is information on investments required for the target user's portfolio to rank up in the portfolio ranking. The investment proposal information is, for example, information indicating the amount of investment required to rank up.

[0092] The rank up in the investment proposal information is a predetermined number of rank ups, for example, a rank up of one rank, a rank up of five ranks, etc. Note that the rank up in the investment proposal information may be a number of rank ups designated by the target user.

[0093] Furthermore, instead of or in addition to the portfolio ranking, the information processing device 1 can also generate, as ranking information, information that ranks the investment target products included in the portfolios of multiple users U. In the following, the ranking of the investment target products may be referred to as product ranking, and the information on the product ranking may be referred to as product ranking information.

[0094] Next, the information processing device 1 transmits the ranking information generated in step S12 to the terminal device 2, and provides the ranking information to the user U of the terminal device 2 (step S13). The terminal device 2 receives the ranking information transmitted from the information processing device 1, and displays the received ranking information.

[0095] In the example shown in (c) of Figure 1, the ranking information displayed on the terminal device 2 is portfolio ranking information that ranks the portfolios of men in their 30s living in Tokyo with an annual income of 5 million yen, and the target user is ranked 25,452nd.

[0096] 1(c), investment proposal information is included in the ranking information displayed on the terminal device 2. Such investment proposal information includes information indicating that the target user needs to invest an additional 89,892 yen to move up one rank to 25,451st place.

[0097] In this way, the information processing device 1 determines an investment product that can maintain the composition ratio of the target user's portfolio within a predetermined fluctuation range as the first proposed product, which is an investment product proposed to the target user, and provides information indicating the determined first proposed product. This allows the information processing device 1 to propose an appropriate investment product according to the investment situation of the user U.

[0098] Furthermore, the information processing device 1 compares information indicating the target user's portfolio with the portfolio of a similar user U who is similar to the target user, and determines the investment product to be proposed to the target user as the second suggested product based on the comparison result. Then, the information processing device 1 provides information indicating the determined second suggested product. This allows the information processing device 1 to propose an appropriate investment product according to the investment situation of the user U.

[0099] In addition, the information processing device 1 generates category display information, which is information indicating each category of the investment target product in a manner according to the investment status, for each category of the investment target product, and provides the generated category display information. This allows the information processing device 1 to improve the convenience of the user U.

[0100] Furthermore, the information processing device 1 generates ranking information based on the portfolios of multiple users U, and provides the generated ranking information. This allows the information processing device 1 to provide ranking information according to the investment status of each user U.

[0101] In addition, the information processing device 1 determines, as investment-related information, information related to investment that includes information corresponding to the behavioral history of a user of interest who is another user U in whom the user U is interested, and provides the determined investment-related information. This allows the information processing device 1 to improve the convenience of the user U.

[0102] In the above example, the information processing device 1 generates the investment-related information, category display information, and ranking information and displays them on the terminal device 2, but these pieces of information may be displayed by processing mainly performed by the terminal device 2. For example, the information processing device 1 may provide a plurality of pieces of information to the terminal device 2 based on information input from the terminal device 2 via an interface such as an API (Application Programming Interface), and the terminal device 2 may generate and display the investment-related information, category display information, and ranking information based on the plurality of pieces of information provided by the information processing device 1. Also, while FIG. 1 shows a case in which the terminal device 2 and the information processing device 1 are separate devices, the terminal device 2 and the information processing device 1 may be integrated together.

[0103] The configuration of an information processing system including the information processing device 1 and terminal device 2 that perform such processing will be described in detail below.

[0104] 2. Configuration of the Information Processing System Fig. 2 is a diagram showing an example of a configuration of an information processing system according to an embodiment. As shown in Fig. 2, the information processing system 100 according to the embodiment includes an information processing device 1 and a plurality of terminal devices 2. Each of the plurality of terminal devices 2 is used by a different user U.

[0105] The information processing device 1 and each terminal device 2 are connected to each other so as to be able to communicate with each other by wire or wirelessly via a network N. Note that the information processing system 100 shown in Fig. 2 may include a plurality of information processing devices 1. The network N is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network) such as the Internet.

[0106] The information processing device 1 provides various types of information. The information processing device 1 provides online services such as a finance site, an electronic commerce site, or a web search site. The finance site is a site that provides a finance information service and provides information related to finance. The information processing device 1 can also provide online services such as a restaurant introduction site, a review site, or a social networking service (SNS) site.

[0107] The terminal device 2 is, for example, a desktop PC (Personal Computer), a notebook PC, a tablet terminal, a smartphone, a mobile phone, or a PDA (Personal Digital Assistant), etc. The terminal device 2 is not limited to the above examples, and may be, for example, a smart watch or a wearable device.

[0108] In addition, the terminal device 2 can connect to the network N via a wireless communication network such as LTE (Long Term Evolution), 4G (4th Generation), or 5G (5th Generation: 5th generation mobile communication system), or via short-range wireless communication such as Bluetooth (registered trademark) or wireless LAN, and communicate with the information processing device 1.

[0109] [3. Terminal Device 2] Fig. 3 is a diagram showing an example of the configuration of the terminal device 2 according to the embodiment. As shown in Fig. 3, the terminal device 2 according to the embodiment includes a communication unit 10, a display unit 11, an operation unit 12, a sensor group 13, a storage unit 14, and a processing unit 15.

[0110] [3.1. Communication unit 10] The communication unit 10 is realized by, for example, a network interface card (NIC), etc. The communication unit 10 is connected to a network N by wire or wirelessly, and transmits and receives information to and from the information processing device 1 via the network N.

[0111] [3.2. Display section 11] The display unit 11 is, for example, an LCD (Liquid Crystal Display) or an organic EL (Electro Luminescence) display.

[0112] [3.3. Operation unit 12] The operation unit 12 includes, for example, a keyboard including keys for inputting letters, numbers, and spaces, an enter key, arrow keys, etc., a mouse, a power button, etc. When the display unit 11 is a touch panel compatible display, the operation unit 12 includes a touch panel.

[0113] [3.4. Sensor Group 13] The sensor group 13 includes, for example, a positioning sensor, an acceleration sensor, a gyro sensor, a geomagnetic sensor, an illuminance sensor, and an image sensor. The positioning sensor is a sensor that detects the position of the terminal device 2. The acceleration sensor is a sensor that detects the acceleration of the terminal device 2. The gyro sensor is a sensor that detects the attitude of the terminal device 2, such as the tilt and rotation. The geomagnetic sensor is a sensor that detects geomagnetism. The illuminance sensor is a sensor that detects illuminance indicating the brightness or darkness of the surroundings of the terminal device 2, and the image sensor is a sensor that captures an image of the surroundings of the terminal device 2.

[0114] [3.5. Storage section 14] The storage unit 14 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk.

[0115] The storage unit 14 stores, for example, information transmitted from the information processing device 1 and acquired by the processing unit 15 via the network N and the communication unit 10, detection information which is information detected by the sensor group 13, and the like.

[0116] [3.6. Processing section 15] The processing unit 15 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit) executing various programs stored in a storage device inside the terminal device 2 using the RAM as a working area.

[0117] The processing unit 15 may be realized in part or in whole by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The processing unit 15 includes an information acquisition unit 16, a display processing unit 17, and an information output unit 18.

[0118] [3.6.1. Information acquisition unit 16] The information acquisition unit 16 acquires various pieces of information transmitted from the information processing device 1 and received by the communication unit 10 via the network N. The information transmitted from the information processing device 1 includes, for example, the above-mentioned investment-related information, category display information, and ranking information.

[0119] [3.6.2. Display Processing Unit 17] The display processing unit 17 causes the display unit 11 to display the information acquired by the information acquisition unit 16. For example, the display processing unit 17 causes the display unit 11 to display the information acquired by the information acquisition unit 16.

[0120] [3.6.3. Information output unit 18] The information output unit 18 transmits, for example, operation information corresponding to an operation on the operation unit 12 by the user U to the information processing device 1 via the communication unit 10. In addition, the information output unit 18 transmits detection information corresponding to information detected by the sensor group 13 to the information processing device 1 via the communication unit 10.

[0121] 4. Configuration of information processing device 1 4 is a diagram showing an example of the configuration of the information processing device 1 according to the embodiment. As shown in FIG. 4, the information processing device 1 includes a communication unit 20, a storage unit 21, and a processing unit 22.

[0122] [4.1. Communication unit 20] The communication unit 20 is realized by, for example, a NIC. The communication unit 20 is connected to a network N by wire or wirelessly, and transmits and receives information to and from various other devices. For example, the communication unit 20 transmits and receives information to and from the terminal device 2 via the network N.

[0123] [4.2. Storage section 21] The storage unit 21 is realized by, for example, a semiconductor memory element such as a RAM or a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 21 has a user information storage unit 30, a portfolio information storage unit 31, and an investment information storage unit 32.

[0124] 4.2.1. User information storage unit 30 The user information storage unit 30 stores various information related to the user U. Fig. 5 is a diagram showing an example of a user information table stored in the user information storage unit 30 according to the embodiment. In the example shown in Fig. 5, the user information table stored in the user information storage unit 30 includes information on items such as "user ID (IDentifier)", "attribute information", "history information", "setting information", and "PID (Portfolio IDentifier)".

[0125] The "user ID" is an identifier that identifies the user U. The "attribute information" is attribute information related to the attributes of the user U that is associated with the "user ID." The attributes of the user U are, for example, demographic attributes, psychographic attributes, etc. The demographic attributes are demographic attributes, and include multiple attribute items such as age, sex, occupation, place of residence, annual income, and family composition.

[0126] The psychographic attributes are psychological attributes, and include, for example, a plurality of attribute items related to lifestyle, values, interests, etc. For example, each of the plurality of attribute items in the psychographic attributes is an object of interest of the user U, such as a car, clothes, travel, games, camping, motorcycle, train, home appliance, or computer.

[0127] The "history information" is history information including information on the behavior history of the user U in the online service associated with the "user ID." The information on the behavior history of the user U in the online service includes, for example, search history information in the online service of the user U, browsing history information in the online service of the user U, transaction history information in the online service of the user U, and context history information of the user U.

[0128] The search history information of the user U is, for example, information on the search history of the user U in a financial information service, information on the search history of the user U's web content on a search site, etc. The search history information of the user U in the financial information service includes information on keywords entered in a search box (described later) for searching for information related to finance.

[0129] The browsing history information of the user U is, for example, information on the history of information viewed by the user U in a financial information service. Information provided in the financial information service includes various types of information such as investment product information, news, and posted information.

[0130] The investment product information is information about the investment target product, and for example, when the investment target product is a stock, it includes information such as the general situation, shareholder benefits, company profile, credit balance, performance, etc. The general situation information about the stock includes, for example, information such as price (valuation) trends, trading volume trends, unit share numbers, market capitalization, dividends, shareholder benefits, etc. The posted information is information such as comments posted by user U on the bulletin board of each investment target product, and information such as reports posted by experts.

[0131] The information on the transaction history of the user U includes information on the investment target product traded (bought and sold) by the user U, information on the transaction amount, information on the transaction type (e.g., type such as buy, sell, etc.), transaction date and time, etc. The information on the transaction history of the user U may be information set by the user U in the information processing device 1 using the terminal device 2.

[0132] The context history information of the user U is history information of the user U context estimated by the processing unit 22. The context of the user U is the situation of the user U, and includes the motion state of the user U, the emotion of the user U, the current location of the user U, the physical environment in which the user U is placed, the social environment in which the user U is placed, and the like.

[0133] The "setting information" is setting information set by a user U associated with a "user ID", and is, for example, product designation information, user of interest designation information, investment-related information designation information, and the like.

[0134] The product designation information is information indicating an investment product designated by the user U among the investment products included in the portfolio of the user U. The interested user designation information is information on an interested user designated by the user U or information on an interested user estimated by the processing unit 22. The investment-related information designation information is information set by the user U as information to be included in specific investment-related information.

[0135] The "PID" is an identifier that identifies the portfolio of the user U associated with the "user ID." The information on the portfolio of the user U is acquired from, for example, an external information processing device, but may be information set by the user U.

[0136] [4.2.2. Portfolio Information Storage Unit 31] The portfolio information storage unit 31 stores information on the portfolio of the user U. Fig. 6 is a diagram showing an example of a portfolio information table stored in the portfolio information storage unit 31 according to the embodiment.

[0137] In the example shown in FIG. 6, the portfolio information table stored in the portfolio information storage unit 31 includes information on items such as "PID" and "portfolio."

[0138] "PID" is an identifier that identifies a portfolio. "Portfolio" is information about a portfolio associated with a "PID," and includes information about one or more investment target products included in the portfolio (e.g., product IDs). The information about a portfolio associated with a "PID" may include information indicating the composition ratio of the portfolio.

[0139] [4.2.3. Investment information storage unit 32] The investment information storage unit 32 stores various information related to investments. For example, the investment information storage unit 32 stores investment target product information, which is information related to investment target products. Fig. 7 is a diagram showing an example of an investment target product information table stored in the investment information storage unit 32 according to the embodiment.

[0140] In the example shown in FIG. 7, the investment target product information table stored in the investment information storage unit 32 includes information on items such as "Product ID", "Name", "Category", "Overview", "Company Information", "News", and "Bulletin Board".

[0141] "Product ID" is an identifier that identifies the investment product. "Name" is information indicating the name of the investment product associated with the "Product ID". "Category" is information indicating the category of the investment product associated with the "Product ID". The categories of investment products include, for example, Japanese stocks, US stocks, bonds, investment trusts, REITs, ETFs, real estate, precious metals, virtual currencies, etc., but are not limited to these examples.

[0142] The categories of investment products are defined, for example, in a hierarchical structure, with the size of the category being larger the higher up in the hierarchical structure and smaller the lower up in the hierarchical structure. For example, categories below the category "Japanese stocks" (subcategories of Japanese stocks) are the category "prime", the category "standard", the category "growth", etc., but may also be categories by industry. Categories below the category "precious metals" are, for example, the category "gold", the category "silver", the category "platinum", etc.

[0143] "Overview" is information such as, for example, price (valuation) trends, trading volume trends, unit share numbers, market capitalization, dividends, and shareholder benefits. "Company information" is information about the company corresponding to the investment product. "News" is news information about the investment product, including, for example, news information about the company corresponding to the investment product. "Bulletin board" is information posted by user U about the investment product or information posted by user U about the company corresponding to the investment product.

[0144] Although not shown in FIG. 7, the "product ID" is associated with, for example, information indicating a price fluctuation forecast or information indicating a report, but may also be associated with various other information.

[0145] [4.3. Processing section 22] The processing unit 22 is a controller, and is realized by, for example, a processor such as a CPU or an MPU executing various programs (one example of an information processing program) stored in a storage device (for example, the storage unit 21) inside the information processing device 1 using a RAM as a working area. Also, the processing unit 22 may be partially or entirely realized by an integrated circuit such as an ASIC or an FPGA.

[0146] 4, the processing unit 22 has a reception unit 40, an acquisition unit 41, an estimation unit 42, a determination unit 43, a comparison unit 44, a decision unit 45, a generation unit 46, and a provision unit 47, and realizes or executes the functions and actions of information processing described below. Note that the internal configuration of the processing unit 22 is not limited to the configuration shown in FIG. 4, and may be other configurations as long as they perform the information processing described below.

[0147] [4.3.1. Reception unit 40] The reception unit 40 receives various requests and information from external information processing devices. For example, the reception unit 40 receives various requests, such as a home information request, an investment-related information request, a category display information request, a ranking information request, a subcategory detailed information request, and a portfolio information request, transmitted from the terminal device 2. The home information request is a request type included in the investment-related information request.

[0148] The reception unit 40 also receives various information such as product designation information, category selection information, and user of interest designation information transmitted from the terminal device 2. The product designation information is information indicating an investment product designated by the user U from among investment products included in the portfolio of the user U. When the reception unit 40 receives the product designation information, it adds information indicating the investment product indicated by the product designation information to the user information table of the user information storage unit 30.

[0149] The category selection information is information indicating a category selected by the user U to which the category display information is to be provided from among a plurality of categories. The interested user designation information is information indicating an interested user, which is another user U in whom the user U is interested and designated by the user U.

[0150] When the receiving unit 40 receives the interested user designation information, the receiving unit 40 adds information indicating the interested user indicated by the interested user designation information to the user information table of the user information storage unit 30 .

[0151] [4.3.2. Acquisition part 41] The acquisition unit 41 acquires various information from an external information processing device and acquires various information from the storage unit 21. For example, the acquisition unit 41 acquires user information, which is information about a user U, from the external information processing device or the terminal device 2, and adds the acquired user information to a user information table in the user information storage unit 30.

[0152] When the user information acquired from the external information processing device or the terminal device 2 includes buying and selling information that is information regarding buying and selling of the investment target product by the user U, the acquiring unit 41 updates the portfolio information table in the portfolio information storage unit 31 based on the buying and selling information. In addition, the acquiring unit 41 acquires information regarding the investment target product from the external information processing device, and adds the acquired information regarding the investment target product to the investment target product information table in the investment information storage unit 32.

[0153] In addition, the acquisition unit 41 acquires, for example, information about user U stored in the user information storage unit 30, portfolio information about user U stored in the portfolio information storage unit 31, and information about investment target products stored in the investment information storage unit 32, when a request for investment-related information is accepted by the acceptance unit 40 or at a predetermined period.

[0154] For example, the acquisition unit 41 acquires the target user portfolio information and similar user portfolio information when the investment-related information request is accepted by the acceptance unit 40 or at a predetermined cycle. The target user portfolio information is information on the target user portfolio, which is the portfolio of the target user who is the user U of the terminal device 2 that transmitted the investment-related information request. The similar user portfolio information is information on the similar user portfolio, which is the portfolio of a similar user.

[0155] In addition, the acquisition unit 41 acquires information of user U stored in the user information storage unit 30 and portfolio information of user U stored in the portfolio information storage unit 31 when a category display information request is accepted by the accepting unit 40 or at a predetermined period.

[0156] In addition, the acquisition unit 41 acquires, for example, information about user U stored in the user information storage unit 30, portfolio information about user U stored in the portfolio information storage unit 31, and information about investment target products stored in the investment information storage unit 32 when ranking information is accepted by the acceptance unit 40 or at a predetermined period.

[0157] [4.3.3. Estimation section 42] The estimation unit 42 estimates investment target products included in the target user's portfolio that no longer satisfy the purpose held by the target user, based on the target user portfolio information and information regarding investment target products acquired by the acquisition unit 41.

[0158] When the investment target product is a stock product, the purpose of holding may be, for example, a specific shareholder benefit, dividends, share buyback, or M&A (Mergers and Acquisitions). For example, the estimation unit 42 estimates an investment target product that no longer has a specific shareholder benefit as an investment target product that no longer satisfies the purpose of the target user holding it. The shareholder benefit may be, for example, food, a gift certificate, a coupon, a gift certificate, or a shareholder benefit card.

[0159] In addition, the estimation unit 42 estimates, for example, investment products included in the target user portfolio whose dividend decline rate over a predetermined period is equal to or greater than a threshold value as investment products that no longer fulfill the purpose for which the target user holds them.

[0160] In addition, the estimation unit 42 estimates, for example, investment products included in the target user portfolio that were purchased after news about a share buyback was released and for which the share buyback has ended, as investment products that no longer fulfill the purpose of being held by the target user.

[0161] In addition, the estimation unit 42 estimates, among the investment target products included in the target user portfolio, investment target products that were purchased after news about M&A was released and for which the M&A is predicted to be unsuccessful or investment target products for which the M&A was unsuccessful, as investment target products that no longer fulfill the purpose for which the target user holds them.

[0162] The estimation unit 42 can also estimate, for example, that an investment product included in the target user portfolio is an investment product that no longer satisfies the purpose of holding by the target user, based on the holding purpose set by the target user.

[0163] In addition, the estimation unit 42 can also estimate which investment products no longer satisfy the purpose for which the target user holds them, using, for example, a learning model that takes user information of the target user as input and outputs a holding purpose non-fulfillment score for each investment product.

[0164] In this case, the estimation unit 42 can also estimate, for example, investment target products included in the target user portfolio that have a holding purpose non-fulfillment score output from the learning model that is equal to or greater than a threshold value as investment target products that no longer fulfill the purpose of holding by the target user.

[0165] Furthermore, the estimation unit 42 estimates a user of interest who is another user U in whom the target user is interested. The estimation unit 42 estimates a user of interest based on, for example, behavior history information of the target user.

[0166] For example, the estimation unit 42 estimates, as the user of interest, other users U who post blogs whose browsing frequency by the target user is equal to or greater than a threshold, or other users U whom the target user follows on SNS, etc. In addition, the estimation unit 42 can also estimate, as the user of interest, other users U whose portfolios whose browsing frequency by the target user is equal to or greater than a threshold, or other users U designated as users of interest by similar users.

[0167] The estimation unit 42 can also estimate, as a user of interest, another user U who has posted content such as a comment or a news article whose number of views or frequency of views by the target user is equal to or greater than a threshold value. The estimation unit 42 can also estimate, as a user of interest, another user U who has posted content such as a comment or a news article whose number of positive evaluations (e.g., "Likes") by the target user is equal to or greater than a threshold value.

[0168] In addition, the estimation unit 42 can estimate, as a user of interest, another user U who has a portfolio similar to the target user's portfolio in terms of composition ratio, investment target products (for example, stock brands), etc.

[0169] [4.3.4. Judgment unit 43] The determination unit 43 determines one or more users U having at least one of attributes and a portfolio composition ratio similar to the target user as similar users. A user U having attributes similar to the target user is a user U having some attribute items in common with the target user, and the some attribute items can be specified by the target user, for example.

[0170] The attribute is, for example, a demographic attribute, a psychographic attribute, etc. The determination unit 43 determines a similar user based on the attribute information acquired by the acquisition unit 41. For example, when the attribute items of the target user include annual income of 5 million yen, Tokyo, age in 30s, and male, the determination unit 43 determines a male in his 30s who lives in Tokyo and has an annual income of 5 million yen as a similar user.

[0171] The composition ratio of the target user's portfolio is, for example, the ratio of the total value of each category of investment products held by the target user. The total value is the total valuation, which is the total of the current market value (e.g., valuation) of multiple investment products included in a category. Investment products include not only financial products, but also non-financial products such as commodities such as precious metals, crude oil, wheat, and soybeans, and real estate. Categories of investment products include, for example, Japanese stocks, US stocks, bonds, investment trusts, REITs, ETFs, real estate, precious metals, and virtual currencies.

[0172] For example, assume that the categories of investment products held by the target user are Japanese stocks, investment trusts, and REITs, and the user holds 10 million yen worth of Japanese stocks, 5 million yen worth of investment trusts, and 5 million yen worth of REITs. In this case, the composition of the portfolio is 50% Japanese stocks, 25% investment trusts, and 25% REITs.

[0173] The composition ratio of the portfolios being similar means, for example, that the difference between the ratios of the valuation amounts of the categories is within a predetermined range, and the predetermined range is, for example, within 20%, but is not limited to such an example and may be, for example, a range specified by the target user. In addition, the composition ratio of the portfolios being similar means, for example, that some categories are not included.

[0174] Furthermore, the determination unit 43 can determine similar users based on the investment amount and investment profit in addition to or instead of the attributes and composition ratio. In the following, a similar user determined by the determination unit 43 without using the investment amount and investment profit may be referred to as a first similar user, and a similar user determined by the determination unit 43 using the investment amount and investment profit may be referred to as a second similar user.

[0175] Furthermore, the determination unit 43 can also determine, for example, another user U who has similar attributes to the target user and has invested a larger amount than the target user as a second similar user. The determination unit 43 can calculate, for each user U, the total amount of the prices (valued amounts) of the investment products held by the user U as the investment amount based on the information on the portfolio of the user U, and determine the second similar user based on the calculated investment amount.

[0176] The determination unit 43 can also determine, for example, another user U who has similar attributes to the target user and has a large investment gain as a second similar user. The determination unit 43 can calculate the investment gain of the total investment target products held by the user U for each user U based on the information of the user U's portfolio, and determine the second similar user based on the calculated investment gain. The investment gain is short-term (e.g., a preset period of one year or less), medium-term (e.g., a preset period of one year or more but less than five years), or long-term (e.g., a preset period of five years or more).

[0177] The determination unit 43 can also determine, for example, another user U whose portfolio composition is similar to that of the target user and whose investment amount is larger than that of the target user, as a second similar user. The determination unit 43 can also determine, for example, another user U whose portfolio composition is similar to that of the target user and whose investment profit is larger than that of the target user, as a second similar user.

[0178] The determination unit 43 can also determine another user U, who has a similar portfolio composition to the target user and has a larger investment amount and investment gain than the target user, as a second similar user. The investment gain is, for example, a short-term, medium-term, or long-term investment gain. For example, the determination unit 43 can determine investment gains for a shorter period as the target user uses the financial information service more frequently, and can also determine investment gains for a period specified by the target user.

[0179] Furthermore, the determination unit 43 can determine the investment level of the target user based on the portfolio information of the target user. The investment level of the target user becomes higher as the target user has more investment experience.

[0180] The judgment unit 43 judges the investment level of the target user based on, for example, the total amount of investment products held by the target user, the frequency of buying and selling, etc. There are three investment levels: level 1 indicating a beginner, level 2 indicating an intermediate player, and level 3 indicating an advanced player, but there may be two levels or four or more levels.

[0181] The judgment unit 43 has, for example, a learning model generated by machine learning that takes user information of the target user as input and outputs a score indicating the investment level of the target user, and can also use such learning model to judge the investment level of the target user.

[0182] [4.3.5. Comparison Unit 44] The comparison unit 44 compares the target user portfolio information and the similar user portfolio information acquired by the acquisition unit 41. The similar user portfolio information is, for example, information on the portfolio of the first similar user or the portfolio of the second similar user described above, but may be information on another user U whose user information is similar to that of the target user.

[0183] The comparison unit 44 compares the composition ratio of the target user portfolio with the composition ratio of the similar user portfolio, for example, based on the target user portfolio information and the similar user portfolio information.

[0184] The portfolio composition ratio is, for example, the ratio of the total amount (valued amount) for each category of investment products held by the target user, and the comparison unit 44 compares the composition ratio of the target user portfolio with the composition ratio of similar user portfolios by, for example, comparing the ratio of the total amount (valued amount) for each category.

[0185] The similar user portfolio information is, for example, information indicating a similar user average portfolio obtained by averaging the composition ratios of the portfolios of a plurality of similar users. The similar user average portfolio is a portfolio obtained by averaging the composition ratios of the portfolios of all similar users, but is not limited to such an example.

[0186] For example, the similar user average portfolio may be an averaged portfolio obtained by averaging the composition ratios of the portfolios of a predetermined number of first similar users in descending order of investment profit. Also, the similar user average portfolio may be a portfolio obtained by averaging the composition ratios of the portfolios of a predetermined number of first similar users in descending order of evaluation amount.

[0187] The similar user average portfolio may be the portfolio of the similar user with the highest investment return or the portfolio of the similar user with the highest valuation amount. The similar user average portfolio may be the portfolio of the similar user with the highest score obtained by weighting the investment return and the valuation amount.

[0188] Furthermore, the similar user portfolio information is not limited to the portfolio of a similar user determined by the determination unit 43. For example, the similar user portfolio information may be information indicating a portfolio of a similar user designated by the target user from among multiple similar user portfolios. Furthermore, the similar user portfolio information may be information indicating a portfolio of a similar user randomly selected by the comparison unit 44 from among multiple similar users determined by the determination unit 43.

[0189] In addition, the comparison of the composition ratio of the target user portfolio and the composition ratio of the similar user portfolio may be a comparison of a part of the composition ratio. For example, the comparison unit 44 may compare a predetermined number of categories in descending order of the valuation amount among the multiple categories included in the target user's portfolio, and may not compare the other categories.

[0190] The comparison unit 44 may also select a predetermined number of categories from among a plurality of categories included in the target user's portfolio in order of lowest investment return as the comparison targets, and not select other categories as the comparison targets.

[0191] In addition, the comparison unit 44 can compare a predetermined number of categories among the multiple categories included in the target user's portfolio, in order of the scores obtained by weighting the investment returns and the valuation amount, and can not compare other categories.

[0192] Furthermore, the comparison unit 44 may set categories other than the categories excluded as comparison targets by the user U as comparison targets, and may not set the categories excluded as comparison targets as comparison targets.

[0193] [4.3.6. Decision Unit 45] The determination unit 45 determines a proposed product, which is an investment target product to be proposed to the target user, based on the portfolio information acquired by the acquisition unit 41. The determination unit 45 determines, for example, a first proposed product and a second proposed product as the proposed products, which are investment target products to be proposed to the target user.

[0194] For example, when a request for home information or a request for investment-related information is received by the receiving unit 40 or when a predetermined period arrives, the determination unit 45 determines a first suggested product and a second suggested product based on the portfolio information acquired by the acquisition unit 41.

[0195] First, the first suggested product will be described. The determination unit 45 determines, based on the target user portfolio information, an investment product that can maintain the composition ratio of the target user's portfolio within a predetermined fluctuation range as the first suggested product.

[0196] The specified fluctuation range, which is a predetermined fluctuation range, is, for example, a range in which the fluctuation rate of each category is within 10%, or a range in which the fluctuation rate of each category is within 20%, but is not limited to such examples and may also be a range specified by the target user.

[0197] The determination unit 45 determines, for example, an investment product to be proposed to the target user as an investment product to be added to the target user portfolio as the first proposed product. The determination unit 45 also determines, as the first proposed product, an investment product to be proposed to the target user as a replacement target for a replacement candidate product included in the target user portfolio. The replacement candidate product is an investment product included in the target user portfolio and is a candidate for replacement with the first proposed product.

[0198] The determination unit 45, for example, determines an investment product that is not included in the target user portfolio and is held by a similar user as the first suggested product. For example, the determination unit 45 determines an investment product whose composition ratio falls within a specified fluctuation range when added to the target user portfolio and whose number of purchased similar users satisfies a predetermined first condition as the first suggested product.

[0199] The first condition is, for example, an investment product for which the number of similar users who have purchased is greater than or equal to a threshold, or the highest, or an investment product for which the number of similar users who have purchased from a predetermined period before the present is greater than or equal to a threshold, but is not limited to such examples.

[0200] In addition, the determination unit 45 can determine, for example, an investment target product included in the target user portfolio and designated by the target user as a replacement candidate product, and determine an investment target product similar to the replacement candidate product as the first proposed product. The investment target product included in the target user portfolio and designated by the target user is, for example, an investment target product specified by the product designation information received by the reception unit 40.

[0201] An investment target product similar to a replacement candidate product is, for example, a product in the same category and with a similar price, which is predicted to provide a greater profit to user U than the replacement candidate product. The profit that user U can obtain is investment profit including dividends (including predicted dividends) and the like.

[0202] The determination unit 45 can also determine, as a replacement candidate product, an investment product that is estimated by the estimation unit 42 to no longer satisfy the holding purpose, which is the purpose for which the target user holds the investment product, among the investment products included in the portfolio.

[0203] In this case, the determination unit 45 determines, for example, an investment target product that is not included in the target user portfolio and is estimated to satisfy the holding purpose that the replacement candidate product no longer satisfies, as the first proposed product. When the investment target product is a stock product, the holding purpose is, for example, a specific shareholder benefit, dividend, share buyback, or M&A.

[0204] For example, assume that the holding purpose estimated by the estimation unit 42 to be no longer satisfied is a specific shareholder benefit. In this case, the determination unit 45 determines an investment target product that is not included in the portfolio and has a specific shareholder benefit as the first proposed product. The shareholder benefit is the provision of food, gift certificates, coupons, gift certificates, or shareholder benefit cards.

[0205] For example, when the determination unit 45 determines a product of a stock stock that has discontinued the provision of food products as a shareholder benefit as a candidate replacement product, it determines a product of a stock stock that still provides food products as a shareholder benefit as the first proposed product.

[0206] Also, assume that the holding purpose estimated by the estimation unit 42 to be no longer satisfied is dividends. In this case, the determination unit 45 determines the investment target product whose dividend no longer satisfies the holding purpose as a replacement candidate product. Then, the determination unit 45 determines, for example, as the first proposed product, an investment target product that is not included in the portfolio and has a dividend payout ratio equal to or higher than that of the replacement candidate product before the dividend reduction.

[0207] Also, assume that the holding purpose estimated by the estimation unit 42 to be no longer satisfied is a share buyback. In this case, the determination unit 45 determines the investment target product for which the share buyback has disappeared as a replacement candidate product. Then, the determination unit 45 determines, for example, an investment target product that is not included in the portfolio and for which a share buyback has been determined or an investment target product for which a share buyback has been started as the first proposed product.

[0208] Also, assume that the holding purpose estimated by the estimation unit 42 to be no longer satisfied is M&A. In this case, the determination unit 45 determines the investment target product for which M&A has disappeared as a replacement candidate product. Then, the determination unit 45 determines, for example, the investment target product that is not included in the portfolio and for which M&A has been decided as the first proposed product.

[0209] The determination unit 45 may determine, as the first proposed product, an investment product whose composition ratio falls within a prescribed fluctuation range by replacement and whose number of similar users who have purchased the investment product satisfies a second condition that is determined in advance. The second condition is, for example, an investment product whose number of similar users who have purchased the investment product is equal to or greater than a threshold or whose number of similar users who have purchased the investment product from a period from a predetermined period before to the present ..., but is not limited to such examples.

[0210] Next, the second suggested product will be described. The determining unit 45 determines the second suggested product based on the result of the comparison made by the comparing unit 44 between the target user portfolio information and the similar user portfolio information.

[0211] The determination unit 45, for example, determines an investment product to be added to the target user portfolio as the second suggested product, or determines an investment product to be proposed to the target user as a replacement for the investment product included in the target user portfolio as the second suggested product.

[0212] The determination unit 45 determines, as the second suggested product, an investment product that approaches the composition ratio of the portfolio of the similar user when held. For example, the determination unit 45 determines, as the second suggested product, an investment product that approaches the composition ratio of the portfolio of the similar user when held and that is held by a number of similar users that satisfies a predetermined third condition.

[0213] The third condition is, for example, an investment product that has a number of similar users that is greater than or equal to a threshold, or that has the highest number of similar users that have come to be held during the period from a predetermined period before the present, but is not limited to such examples.

[0214] In addition, the determination unit 45 determines information on the user of interest, which is information on investment and corresponds to the behavioral history of the user of interest. For example, the determination unit 45 determines the information on the user of interest based on the user information acquired by the acquisition unit 41 when the reception unit 40 receives a request for home information or a request for investment-related information or the like or when a predetermined period has arrived.

[0215] The user of interest is another user U who has been accepted by the accepting unit 40 as a user of interest, or another user U who is estimated by the estimating unit 42 to be of interest to the target user.

[0216] The user information of the target user is currently viewed information that is information being viewed by the user of interest, viewed information that is information viewed by the user of interest, etc. Viewed information is information that is viewed by the user of interest at a frequency equal to or higher than a threshold, or information that has been viewed by the user of interest during a period from a predetermined period before to the present or immediately preceding the present.

[0217] In addition, the user information of the target user may be information set by the user U as information to be included in specific investment-related information by the target user, and the determination unit 45 can determine the user information of the target user based on the investment-related information designation information acquired by the acquisition unit 41.

[0218] Furthermore, the interested user information may include, for example, information on investment products purchased by the interested user or information on investment products sold by the interested user, instead of or in addition to the currently viewed information and viewed information.

[0219] In addition, the determination unit 45 can determine the currently viewed information or the already viewed information according to the association between the transaction history information of the user of interest and the browsing history information of the user of interest as the user of interest information. In this case, the determination unit 45 can determine the currently viewed information or the already viewed information according to the association as the user of interest information, for example, based on the association between the transaction history information of the user of interest corresponding to the transaction history information of the target user and the browsing history information of the user of interest.

[0220] For example, the determination unit 45 can also determine, as the user of interest information, reference information that is information that a user of interest who holds the same investment product as the target user referred to or used as reference when trading the investment product.

[0221] In addition, the interested user information is not limited to information of one interested user, and may include information of multiple interested users. The determination unit 45 can also determine information according to statistical trends obtained from the behavioral histories of multiple interested users as the interested user information.

[0222] For example, the determination unit 45 may determine, as the interested user information, information that a threshold or more of the specific multiple interested users have viewed or are currently viewing in a recent predetermined period. The specific multiple interested users are, for example, a predetermined percentage or more of the multiple interested users designated by the target user or estimated by the information processing device 1.

[0223] Furthermore, the determination unit 45 can determine information according to a statistical tendency of a transaction history based on a result of browsing of the interested user as the interested user information. For example, the information processing device 1 can determine information of investment target products at a specific rate or more among investment target products that a number of interested users of a specific number of interested users, at least a threshold value, have browsed information during a recent predetermined period and then traded, as the interested user information.

[0224] [4.3.7. Generation unit 46] The generating unit 46 generates various information. For example, the generating unit 46 generates various information based on the information acquired by the acquiring unit 41, the estimation result by the estimating unit 42, the determination result by the determining unit 43, the comparison result by the comparing unit 44, the determination result by the determining unit 45, and the like.

[0225] The generation unit 46 generates various information such as home information, investment-related information, category display information, and ranking information, for example, based on the result of the request received by the reception unit 40. For example, when a home information request is received by the reception unit 40, the generation unit 46 generates home information. The investment-related information, category display information, and ranking information will be described in detail below in this order. Note that home information is a type of information included in the investment-related information.

[0226] [4.3.7.1. Investment-related information] The generation unit 46 generates investment-related information, for example, when an investment-related information request is received by the reception unit 40 or when a predetermined periodic timing arrives. The generation unit 46 generates investment-related information based on the information acquired by the acquisition unit 41, the estimation result by the estimation unit 42, the determination result by the determination unit 43, the comparison result by the comparison unit 44, the determination result by the determination unit 45, etc.

[0227] For example, the generation unit 46 generates investment-related information according to the designated information included in the investment-related information request received by the reception unit 40. The designated information is, for example, information indicating one or more information types designated by the user U. The information types include, for example, investment target products, news, bulletin boards, as well as the specific investment-related information described above. The specific investment-related information includes multiple pieces of information designated in advance by the user U. Note that the designated information may be information for identifying the investment-related information designated information.

[0228] When the designation information included in the investment-related information request is information designating the above-mentioned specific investment-related information, the generation unit 46 generates the specific investment-related information. The specific investment-related information includes, for example, first suggested product information which is information indicating the first suggested product determined by the determination unit 45, second suggested product information which is information indicating the second offered product determined by the determination unit 45, and interested user information determined by the determination unit 45.

[0229] The generation unit 46 can highlight the interested user information determined by the determination unit 45 compared to other information. The interested user information is, for example, currently viewed information, already viewed information, etc. For example, the generation unit 46 highlights the currently viewed information and already viewed information among the investment-related information compared to other information.

[0230] Highlighting is performed, for example, by making the characters, frame, background, etc., different from other areas. For example, the generation unit 46 performs highlighting by increasing the size of the characters, making the characters bold, or making the color of the characters stand out (for example, red). The generation unit 46 can also perform highlighting by making the frame surrounding the currently viewed information or the already viewed information thicker, making the color of the frame surrounding the currently viewed information or the already viewed information stand out, or making the background color stand out.

[0231] The information included in the specific investment-related information is not limited to the above examples. For example, the information included in the specific investment-related information may include ranking information and category display information, and may not include one or more of the first suggested product information, the second suggested product information, and the interested user information. The user U can add and change the information included in the specific investment-related information.

[0232] Furthermore, when the designation information included in the investment-related information request is information designating a specific investment target product (for example, Japanese stocks of Company A), the generating unit 46 generates information on the specific investment target product as the investment-related information.

[0233] Furthermore, when the designation information included in the investment-related information request is information designating specific news (for example, news about Japanese stocks), the generating unit 46 generates news information that is information about the specific news as investment-related information.

[0234] In addition, when the specified information included in the investment-related information request is information specifying a specific bulletin board (for example, a bulletin board for U.S. stocks or a bulletin board for Company A's Japanese stocks), the generation unit 46 generates bulletin board information that is information on the specific bulletin board as investment-related information.

[0235] Furthermore, the generating unit 46 can generate information including information of a type corresponding to an investment level, the information being specified by the specification information included in the investment-related information request. For example, home information corresponding to the investment level of the target user determined by the determining unit 43 is generated as the investment-related information. The home information corresponding to the investment level is, for example, information in which a plurality of types of information corresponding to the investment level are arranged in an order corresponding to the investment level. The home information is information of a home screen in a financial information service, and is also called information of a top page screen.

[0236] For example, when the investment level of the target user is level 1, the generation unit 46 generates home information in which multiple types of information linked to level 1 are arranged in an order corresponding to level 1. When the investment level of the target user is level 2, the generation unit 46 generates home information in which multiple types of information linked to level 2 are arranged in an order corresponding to level 2. When the investment level of the target user is level 3, the generation unit 46 generates home information in which multiple types of information linked to level 3 are arranged in an order corresponding to level 3.

[0237] Furthermore, when the designation information included in the investment-related information request is information designating a specific investment target product, the generation unit 46 generates, as the investment-related information, investment target product information that is information on the investment target product. In this case as well, the generation unit 46 can generate, as the investment-related information, investment target product information according to the investment level of the target user determined by the determination unit 43, for example. The investment target product information according to the investment level is, for example, information in which a plurality of types of information according to the investment level are arranged in an order according to the investment level.

[0238] For example, when the investment level of the target user is level 1, the generation unit 46 generates investment target product information in which one or more types of information associated with level 1 are arranged in an order corresponding to level 1. When the investment level of the target user is level 2, the generation unit 46 generates investment target product information in which one or more types of information associated with level 2 are arranged in an order corresponding to level 2. When the investment level of the target user is level 3, the generation unit 46 generates investment target product information in which one or more types of information associated with level 3 are arranged in an order corresponding to level 3.

[0239] In addition, when generating home information, investment product information, news information, bulletin board information, etc., the generation unit 46 can also highlight information among these pieces of information that the user of interest is currently viewing or information that the user of interest has viewed within a predetermined period of time in the past.

[0240] [4.3.7.2. Category display information] The generating unit 46 generates the category display information, for example, when a category display information request is received by the receiving unit 40 or when a timing of a predetermined period arrives. The generating unit 46 generates the category display information based on, for example, the portfolio information of each user U stored in the portfolio information storage unit 31.

[0241] For example, the generating unit 46 generates category display information that is information indicating each category of investment target products in a manner according to the investment status for each category of investment target products. The categories of investment targets are, for example, Japanese stocks, US stocks, bonds, investment trusts, REITs, ETFs, real estate, precious metals, virtual currencies, etc.

[0242] The investment state is at least one of the number of users who hold the investment products included in the category, which is the number of users who hold the investment products included in the category, and the category valuation, which is the total value of the investment products included in the category.

[0243] The information indicating the category includes, for example, at least one of a character string indicating the category, a figure (including a frame) indicating the category, a symbol indicating the category, and a picture indicating the category, but is not limited to such examples.

[0244] The generating unit 46 generates, as category display information, information indicating each category in a mode according to the investment state, in which the degree of emphasis is increased as at least one of the number of users who own the category and the category valuation amount is increased. When the information indicating the category is a figure containing characters, the larger the figure indicating the category, the higher the degree of emphasis. Also, when the information indicating the category contains characters, the larger the characters indicating the category, the higher the degree of emphasis.

[0245] The generating unit 46 generates, as category display information, information indicating each category in a mode in which the degree of emphasis is increased as at least one of the number of users and the category valuation is increased, for example, as a mode according to the investment state. When the information indicating a category is a figure containing characters indicating the category, the degree of emphasis is increased as the characters indicating the category or the figure indicating the category is increased.

[0246] For example, when the information indicating a category is a graphic containing letters, the generation unit 46 generates information indicating each category as category display information in such a manner that the graphic or letters indicating the category are larger and more emphasized for categories having a larger number of users and / or a larger category valuation.

[0247] The generation unit 46 calculates a score by weighting and adding the number of users and the category evaluation amount, and can make the figure representing the category larger for a category with a higher score.

[0248] Furthermore, the generating unit 46 generates, as category display information, information that indicates an investment category, which is a category in which the target user has invested among a plurality of categories, in a manner different from a non-investment category, which is a category in which the target user has not invested. For example, the generating unit 46 highlights the investment category more than the non-investment category, thereby making the investment category different from the non-investment category. This allows the user U to easily distinguish the investment category.

[0249] In addition, the generating unit 46 generates, as category display information, information in which a figure indicating an investment category among a plurality of categories is placed closer to a reference position than a figure indicating a non-investment category, thereby enabling the user U to more easily distinguish the investment category.

[0250] The reference position is, for example, the central area of ​​the category display information, but is not limited to this example. For example, when scrolling is required to display all of the category display information, the reference position may be the center of the area displayed at first view in the category display information.

[0251] In addition, the generation unit 46 can also generate as category display information information in which information indicating an uninvested category, which is a category in which the target user has not invested and which has a larger number of similar users who hold the investment target product, is placed closer to the reference position.

[0252] In addition, when a single category is selected by the user U from among the multiple categories indicated in the category display information, the generation unit 46 generates, as category display information, information indicating multiple subcategories included in the selected category arranged around the information indicating the selected category.

[0253] Here, assume that the selected category is "Japanese stocks." In this case, the multiple subcategories are a subcategory "stock price," a subcategory "chart," a subcategory "news," a subcategory "board quote," a subcategory "time series," a subcategory "shareholder benefits," a subcategory "report," a subcategory "forecast," and the like.

[0254] In the category display information, information indicating each of a plurality of subcategories is a selectable GUI, and a user U can display information of the selected subcategory by selecting information indicating a subcategory in the category display information.

[0255] For example, if user U selects the subcategory “Stock Prices,” information including a list of stock prices of Japanese stocks is displayed on terminal device 2, and if user U selects the subcategory “Charts,” information including a list of stock price charts of Japanese stocks is displayed on terminal device 2.

[0256] In addition, if the user U selects the subcategory “News”, information including a list of news about Japanese stocks is displayed on the terminal device 2, and if the user U selects the subcategory “Order quotes”, information including a list of order quotes for Japanese stocks is displayed on the terminal device 2.

[0257] Furthermore, the multiple subcategories may be, for example, when the selected category is "Japanese stocks", the category may be a "Prime" category, a "Standard" category, a "Growth" category, and so on.

[0258] In this case, for example, if the user U selects the subcategory "Prime", information including a list of stocks in the prime market is displayed on the terminal device 2, and if the user U selects the subcategory "Standard", information including a list of stocks in the standard market is displayed on the terminal device 2. Also, if the user U selects the subcategory "Growth", information including a list of stocks in the growth market is displayed on the terminal device 2.

[0259] The generating unit 46 can generate category display information including information indicating each subcategory in a manner corresponding to the investment state for each subcategory of the investment target product, similar to the information indicating the category described above. Whether or not to generate information indicating each subcategory in a manner corresponding to the investment state can be determined, for example, by the setting of the user U. Such information indicating the setting of the user U is stored in the user information storage unit 30, and the generating unit 46 generates information indicating the subcategory based on the information indicating the setting of the user U.

[0260] In addition, like the information indicating a category, the information indicating a subcategory may include, for example, at least one of a character string indicating a subcategory, a shape indicating a subcategory (including a frame), a symbol indicating a subcategory, and a picture indicating a subcategory, but is not limited to such examples.

[0261] In addition, when generating the category display information, the generation unit 46 can also highlight information among the categories indicated in the category display information that is currently being viewed by the user of interest or categories that the user of interest has viewed within a predetermined period of time in the past.

[0262] [4.3.7.3. Ranking Information] The generation unit 46 generates ranking information based on the portfolios of a plurality of users U. For example, based on the portfolio information of a plurality of users U, the generation unit 46 generates portfolio ranking information, which is information that ranks the portfolios, as ranking information.

[0263] The portfolio ranking information is, for example, at least one of information ranking the appraisal value of the portfolio and information ranking the investment gain of the portfolio.

[0264] Furthermore, the generating unit 46 can generate information that ranks a plurality of portfolios including the target user's portfolio and the portfolios of other users U similar to the target user, as portfolio ranking information.

[0265] Another user U similar to the target user is, for example, a first similar user determined by the determination unit 43. The first similar user is another user U similar to the target user in one of the attributes and the composition ratio.

[0266] A user U with attributes similar to those of the target user is a user U who shares some attribute items (e.g., gender, age, location, annual income, etc.) with the target user, and some attribute items can be specified, for example, by the target user.

[0267] In addition, the generation unit 46 can also generate portfolio ranking information that ranks multiple portfolios including the target user's portfolio and the portfolios of multiple other users U whose portfolio composition is similar to that of the target user.

[0268] The generating unit 46 also generates ranking information including investment proposal information, which is information on investments required for the target user's portfolio to rank up in the portfolio ranking. The investment proposal information is, for example, information indicating the amount of investment required to rank up.

[0269] The rank up in the investment proposal information is a predetermined number of rank ups, for example, a rank up of one rank, a rank up of five ranks, etc. Note that the rank up in the investment proposal information may be a number of rank ups designated by the target user.

[0270] Furthermore, the generation unit 46 can generate product ranking information, which is information on product rankings that rank investment target products included in the portfolios of multiple users U, as ranking information, instead of or in addition to the portfolio rankings.

[0271] For example, the generating unit 46 can generate product ranking information as ranking information based on the target user portfolio information and a plurality of similar user portfolio information. The generating unit 46 generates product ranking information, which is information on product rankings that rank the investment target products included in at least one of the target user's portfolio and the similar user's portfolio, as ranking information.

[0272] Product rankings are rankings of investment products based on index values ​​such as price increase rate, price decrease rate, trading volume, trading value, surge rate, or cap-up rate over a predetermined period (e.g., one hour, one day, one month, one year, etc.) or a period specified by the target user.

[0273] The generating unit 46 can also generate, as ranking information, product ranking information that is information on product rankings of investment target products included in the portfolios of similar users.

[0274] In addition, the generation unit 46 can also generate product ranking information as ranking information, which is product ranking information that ranks investment target products held by multiple users U having attributes specified by the target user, based on user portfolio information of multiple users U having attributes specified by the target user.

[0275] In addition, when generating ranking information, the generation unit 46 can also highlight information currently being viewed by the user of interest among the multiple user portfolios indicated in the ranking information, or user portfolios that the user of interest has viewed within a predetermined period of time in the past.

[0276] In addition, when generating ranking information, the generation unit 46 can also highlight information among the multiple investment target products indicated in the ranking information that is currently being viewed by the user of interest or investment target products that the user of interest has viewed within a predetermined period of time in the past.

[0277] [4.3.8.Providing Department 47] The providing unit 47 provides various kinds of information. For example, the providing unit 47 transmits various kinds of information to the terminal device 2 via the communication unit 20 to provide the various kinds of information to the user U.

[0278] For example, the providing unit 47 transmits various pieces of information generated by the generating unit 46 to the terminal device 2 via the communication unit 20, and provides the various pieces of information to the user U. The information provided to the user U includes, for example, the above-mentioned first suggested product information, second suggested product information, category display information, ranking information, investment proposal information, and interested user information.

[0279] When a home information request is received by the receiving unit 40, the providing unit 47 provides the home information generated by the generating unit 46. In addition, when an investment-related information request is received by the receiving unit 40, the providing unit 47 provides investment-related information including information corresponding to the designated information included in the investment-related information request. The designated information is, for example, information that identifies the investment-related information designated information.

[0280] For example, it is assumed that the designation information included in the investment-related information request is information designating the first suggested product information, the second suggested product information, and the interested user information. In this case, the providing unit 47 provides the investment-related information including the first suggested product information, the second suggested product information, and the interested user information generated by the generating unit 46.

[0281] The interested user information generated by the generating unit 46 is information including information according to the behavioral history of the interested user. Such interested user information is, for example, information in a state in which information viewed by other users U among the investment-related information is highlighted, or information in a state in which information viewed by other users U among the investment-related information is highlighted.

[0282] The providing unit 47 also provides category display information including subcategory information that is information indicating multiple subcategories included in a selected category that is a category specified by the selection information received by the receiving unit 40 and selected by the user U. The subcategory information includes, for example, information indicating information indicating multiple subcategories included in the selected category in a manner according to the investment state.

[0283] Furthermore, the providing unit 47 provides information in which the information indicating the portfolio of the user U and the information indicating the portfolios of similar users are arranged side by side. The information indicating the portfolios of similar users displayed side by side with the information indicating the portfolio of the user U is, for example, information indicating a similar user average portfolio obtained by averaging the composition ratios of the portfolios of a plurality of similar users, but is not limited to such an example.

[0284] The similar user average portfolio may be, for example, an average of a predetermined number of portfolios of multiple similar users extracted in descending order of investment profit or valuation. The similar user average portfolio may be, for example, an average of a predetermined number of portfolios of multiple similar users extracted in descending order of score obtained by weighting and adding investment profit and valuation.

[0285] The similar user portfolio may be a portfolio of a similar user with the highest investment profit or the highest valuation amount. The similar user portfolio may be a portfolio of a similar user with the highest score obtained by weighting the investment profit and the valuation amount.

[0286] Furthermore, the similar user portfolio may be a portfolio of a similar user specified by the target user from among multiple similar user portfolios, or may be a portfolio of a similar user randomly selected by the comparison unit 44.

[0287] Here, a description will be given of a display example of information provided by the providing unit 47 and displayed on the terminal device 2. Fig. 8 is a diagram showing an example of home information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2.

[0288] 8 includes a search box 51, a search button 52, Nikkei average information 53a, NY (New York) Dow information 53b, USD / JPY exchange rate information 53c, a quick earnings report button 54, portfolio information 55, first suggested product information 56, and second suggested product information 57. The home information 50 shown in Fig. 8 also includes a home button 58a, a news button 58b, a category button 58c, a ranking button 58d, and a similar user button 58e.

[0289] A search keyword is input into the search box 51 by the user U operating the operation unit 12. When the user U selects a search button 52 by operating the operation unit 12 with the search keyword input into the search box 51, the information output unit 18 of the terminal device 2 transmits a search query including the search keyword input into the search box 51 to the information processing device 1.

[0290] The providing unit 47 transmits search results corresponding to the search keywords included in the search query to the terminal device 2. The search results are acquired by the information acquiring unit 16 and displayed on the display unit 11 by the display processing unit 17.

[0291] The Nikkei average information 53a is information on the Nikkei average, the NY Dow information 53b is information on the New York Dow, and the USD / JPY rate information 53c is information on the exchange rate between the USD and the JPY. The quick settlement report button 54 is a GUI for displaying the quick settlement report information on the display unit 11.

[0292] The portfolio information 55 is information on the target user's portfolio, and includes information such as total assets (valued value of the portfolio), valuation profit and loss (profit and loss from investment), composition ratio, etc. The portfolio information 55 includes a details button 55a, and when the user U operates the operation unit 12 to select the details button 55a, the information output unit 18 of the terminal device 2 transmits a portfolio information request to the information processing device 1.

[0293] When the portfolio information request is received by the receiving unit 40, the providing unit 47 transmits detailed information of the target user's portfolio to the terminal device 2. Such detailed information is acquired by the information acquiring unit 16 and displayed on the display unit 11 by the display processing unit 17.

[0294] The first proposed product information 56 includes information on a replacement candidate product and information on the first proposed product. The replacement candidate product is an investment target product included in the target user portfolio and is a candidate for replacement with the first proposed product, and is determined by the determination unit 45. The first proposed product is an investment target product proposed to be replaced with the replacement candidate product in the target user portfolio, and is determined by the determination unit 45.

[0295] 8, the first proposed product information 56 indicates that the replacement candidate product is a stock of Company B, the first proposed product is a stock of Company F, the provision of food as a shareholder benefit for the stock of Company B has been abolished, and the provision of food as a shareholder benefit for the stock of Company F. This allows the user U to easily understand the replacement candidate product, the first proposed product, and the reason for the proposal.

[0296] The second proposed product information 57 includes information on the second proposed product. The second proposed product is an investment target product proposed based on a comparison result between the target user portfolio information and the similar user portfolio information, and is determined by the determination unit 45. In the second proposed product information 57 shown in FIG. 8, each of stocks of Company C, Company D, Company G, Company K, and gold is shown as the second proposed product.

[0297] The home button 58a is a GUI for causing the display unit 11 to display the home information 50 when information displayed on the display unit 11 is other than the home information 50. The news button 58b is a GUI for causing the display unit 11 to display news information.

[0298] The category button 58c is a GUI for displaying category display information on the display unit 11. The ranking button 58d is a GUI for displaying ranking information on the display unit 11. The similar user button 58e is a GUI for displaying similar user information on the display unit 11.

[0299] As described above, the home information 50 is information in which multiple types of information corresponding to the investment level of the target user are arranged in an order corresponding to the investment level of the target user. For example, the home information 50 shown in FIG. 8 is home information when the investment level of the target user is 2, but is not limited to this example. Note that the home information 50 may be investment-related information including multiple pieces of information corresponding to the investment-related information designation information.

[0300] Next, a description will be given of category display information displayed on the display unit 11 when the category button 58c or the like is selected. Fig. 9 is a diagram showing an example of category display information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2.

[0301] 9 includes a plurality of category information 61a, 61b, 61c, 61d, 61e, 61f, 61g, 61h, and 61i. The category information 61a is a category graphic indicating the category "Japanese stocks", the category information 61b is a category graphic indicating the category "US stocks", and the category information 61c is a category graphic indicating the category "bonds".

[0302] Moreover, category information 61d is a category graphic indicating the category "investment trust", category information 61e is a category graphic indicating the category "REIT", and category information 61f is a category graphic indicating the category "ETF".

[0303] Moreover, the category information 61g is a category graphic indicating the category "real estate", the category information 61h is a category graphic indicating the category "precious metals", and the category information 61i is a category graphic indicating the category "virtual currency".

[0304] In the category display information 60 shown in Fig. 9, each of the multiple category information 61a, 61b, 61c, 61d, 61e, 61f, 61g, 61h, and 61i is displayed in a manner corresponding to the investment state. As described above, the investment state is at least one of the number of users who are users U who hold the investment target products included in the category and the total value (total valuation) of the investment target products included in the category. In the following, when each of the category information 61a, 61b, 61c, 61d, 61e, 61f, 61g, 61h, and 61i is shown without being individually distinguished, it may be described as category information 61.

[0305] The category information 61 includes, for example, at least one of a character string indicating a category, a figure (including a frame) indicating a category, a symbol indicating a category, and a picture indicating a category, but is not limited to such examples.

[0306] In the category display information 60, for example, as a mode according to the investment state, each piece of category information 61 is displayed in a mode in which the degree of emphasis increases as at least one of the number of users who own the category and the category evaluation amount increases.

[0307] 9, the category information 61 is a figure containing text, and the larger the figure is, the higher the degree of emphasis. In the example shown in FIG 9, the category information 61a is the largest, followed by the category information 61g, and the category information 61i is the smallest.

[0308] Furthermore, in the category display information 60, among the multiple categories, an investment category in which the target user has invested is displayed in a different manner from a non-investment category in which the target user has not invested.

[0309] 9, category information 61a, 61b, 61c, 61d, and 61h and category information 61e, 61f, 61g, and 61i are shown in different manners. The different manners may be, for example, different colors, different shapes of figures, different thicknesses of external lines (lines of the external shapes of figures), or other different manners.

[0310] In the category display information 60, the category information 61 indicating the investment category among the multiple categories is arranged at a position closer to the reference position than the category information 61 indicating the non-investment category. In the example shown in Fig. 9, the reference position is a position included in the category information 61a in the category display information 60, but is not limited to such an example.

[0311] In addition, in the category display information 60, the category information 61 corresponding to the investment category with the highest total assessed value of the investment target products is arranged closer to the reference position. In addition, in the category display information 60, the category information 61 corresponding to the investment category with the highest total assessed value of the investment target products held by the target user may be arranged closer to the reference position.

[0312] In the category display information 60, the category information 61 corresponding to the investment category with the highest total valuation of the investment target product held by the target user may be displayed in a darker color. Also, in the category display information 60, the information indicating the category with a larger number of similar users holding the investment target product among the categories in which the target user has not invested may be positioned closer to the reference position.

[0313] Furthermore, in the category display information 60, the user U can select category information 61 corresponding to a desired category from among the multiple pieces of category information 61. When the user U selects the category information 61 by operating the operation unit 12, the information output unit 18 of the terminal device 2 transmits a category display information request including information indicating the category corresponding to the category information 61 to the information processing device 1.

[0314] The providing unit 47 transmits category display information including a plurality of subcategory information indicating corresponding subcategories among a plurality of subcategories included in the category specified in the category display information request to the terminal device 2. The category display information is acquired by the information acquiring unit 16 and displayed on the display unit 11 by the display processing unit 17.

[0315] Fig. 10 is a diagram showing another example of category display information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2. Category display information 60 shown in Fig. 10 is information provided by the providing unit 47 and displayed on the display unit 11 of the terminal device 2 when a user U selects category information 61a shown in Fig. 9.

[0316] 10 includes a plurality of pieces of category information 61a, 61b, 61c, 61d, 61e, 61f, 61g, 61h, and 61i, as well as a plurality of pieces of subcategory information 62a, 62b, 62c, 62d, 62e, 62f, 62g, and 62h. Each of the plurality of pieces of subcategory information 62a, 62b, 62c, 62d, 62e, 62f, 62g, and 62h is information indicating a subcategory included in the category indicated by the category information 61a.

[0317] Subcategory information 62a is a GUI for displaying information in the subcategory "Stock Prices," subcategory information 62b is a GUI for displaying information in the subcategory "Charts," and subcategory information 62c is a GUI for displaying information in the subcategory "News."

[0318] In addition, subcategory information 62d is a GUI for displaying information of the subcategory “Order quotes”, subcategory information 62e is a GUI for displaying information of the subcategory “Time series”, and subcategory information 62f is a GUI for displaying information of the subcategory “Shareholder benefits”.

[0319] Further, subcategory information 62g is a GUI for displaying information of the subcategory "report," and subcategory information 62h is a GUI for displaying information of the subcategory "forecast." In the following, when each of the subcategory information 62a, 62b, 62c, 62d, 62e, 62f, 62g, and 62h is not individually distinguished from each other, they may be referred to as "subcategory information 62."

[0320] The subcategory information 62 includes, for example, at least one of a character string indicating a subcategory, a figure (including a frame) indicating a subcategory, a symbol indicating a subcategory, and a picture indicating a subcategory, but is not limited to such examples.

[0321] 10, the user U can select subcategory information 62 corresponding to a desired subcategory from among the subcategory information 62. When the user U selects the subcategory information 62 by operating the operation unit 12, the information output unit 18 of the terminal device 2 transmits a subcategory detail information request including detailed information of the subcategory corresponding to the subcategory information 62 to the information processing device 1.

[0322] The providing unit 47 transmits the subcategory detail information, which is the detailed information of the subcategory specified in the subcategory detail information request, to the terminal device 2. Such subcategory detail information is acquired by the information acquiring unit 16, and is displayed on the display unit 11 by the display processing unit 17. For example, when the subcategory information 62a corresponding to the subcategory "Stock prices" is selected, information including a stock price list including the stock prices of each brand of Japanese stocks is displayed on the display unit 11 as the subcategory detail information.

[0323] The multiple subcategories included in the category indicated by the selected category information 61a may be, for example, a subcategory "prime," a subcategory "standard," and a subcategory "growth."

[0324] In this case, the category display information 60 includes subcategory information indicating the subcategory "Prime", subcategory information indicating the subcategory "Prime", and subcategory information indicating the subcategory "Prime", etc. In this case, the category display information 60 includes subcategory information indicating each subcategory in a manner according to the investment status for each subcategory of the investment target product, similar to the information indicating the above-mentioned categories.

[0325] Also, for example, if the user U selects the subcategory "Prime", information including a list of stocks in the prime market is displayed on the terminal device 2, and if the user U selects the subcategory "Standard", information including a list of stocks in the standard market is displayed on the terminal device 2. Also, if the user U selects the subcategory "Growth", information including a list of stocks in the growth market is displayed on the terminal device 2.

[0326] The category information 61 included in the category display information 60 does not have to be a selectable GUI and may simply be an image. The subcategory information 62 included in the category display information 60 does not have to be a selectable GUI and may simply be an image.

[0327] Next, a description will be given of ranking information displayed on the display unit 11 when the ranking button 58d or the like is selected. Fig. 11 is a diagram showing an example of ranking information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2.

[0328] 11 includes attribute information 71, target user portfolio information 73, multiple similar user portfolio information 74a, 74b, 74c, and a top information display button 75. The attribute information 71 is information indicating attributes of a user U to be ranked. The attributes of a user U to be ranked include multiple attribute items possessed by the target user.

[0329] In the attribute information 71 shown in Figure 11, multiple attribute items of the target user include annual income of 5 million yen, Tokyo, 30s, and male, and the attributes of user U to be ranked are shown to be a male in his 30s living in Tokyo with an annual income of 5 million yen.

[0330] The attribute information 71 also includes a plurality of attribute item buttons 72a, 72b, 72c, and 72d, and an item addition button 76. In the attribute information 71 shown in Fig. 11, the attribute item buttons 72a, 72b, 72c, and 72d are highlighted, and the attribute item buttons 72a, 72b, 72c, and 72d indicate that the attribute of the user U to be ranked is a man in his 30s residing in Tokyo with an annual income of 5 million yen. In the following, when the plurality of attribute item buttons 72a, 72b, 72c, and 72d are shown without being individually distinguished, they may be referred to as attribute item buttons 72.

[0331] The attribute item button 72 is a GUI that allows the user to cancel or reselect a selection of an attribute item. The user U can cancel or reselect an attribute item for identifying similar users by operating the operation unit 12 of the terminal device 2 to select the attribute item button 72.

[0332] 11, the user U can cancel "Tokyo" as an attribute item for identifying similar users by operating the attribute item button 72d. In this case, the providing unit 47 transmits ranking information to the terminal device 2 in which the attribute of the user U to be ranked is a man in his 30s with an annual income of 5 million yen, and causes the display unit 11 to display the changed ranking information.

[0333] The add item button 76 is a GUI for adding attribute items of the user U to be ranked. By selecting the add item button 76, the user U can cause an attribute item list to be displayed on the display unit 11 and select the desired attribute item from the attribute item list.

[0334] In this case, the providing unit 47 transmits ranking information to the terminal device 2, which ranks users U whose attributes further include the attribute items selected as the attribute items of the users U to be ranked, and causes the display unit 11 to display the changed ranking information.

[0335] The target user portfolio information 73 is information related to the target user's portfolio. The target user portfolio information 73 shown in Fig. 11 includes information indicating the ranking of the target user's portfolio, information indicating the valuation of the target user's portfolio, and investment proposal information indicating the amount of investment required to rank up.

[0336] Each of the multiple similar user portfolio information 74a, 74b, and 74c is information on a similar user portfolio, which is a portfolio of a similar user having a portfolio with an appraisal value close to that of the target user's portfolio. Each of the similar user portfolio information 74a, 74b, and 74c can be selected by the user U, and detailed information of the similar user portfolio corresponding to the selected similar user portfolio information is displayed on the display unit 11.

[0337] The top information display button 75 is a GUI for displaying information about similar user portfolios with the highest valuation amounts on the display unit 11. In the example shown in Figure 11, this is a GUI for displaying information about similar user portfolios ranked 1st to 5th on the display unit 11.

[0338] Fig. 12 is a diagram showing another example of ranking information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2. The ranking information 70 shown in Fig. 12 is displayed on the display unit 11, for example, when the ranking button 58d is selected by the user U in a state in which the ranking information 70 shown in Fig. 11 is displayed on the display unit 11.

[0339] 11 includes attribute information 71, a category selection area 77, and multiple pieces of investment product information 78a, 78b, 78c, 78d, 78e, and 78f. The category selection area 77 includes information indicating the category of the currently selected investment product, and multiple change buttons for changing the category. A user U can change the category to be ranked by selecting a change button in the category selection area 77.

[0340] The plurality of investment target product information 78a, 78b, 78c, 78d, 78e, and 78f is a GUI including information indicating a plurality of investment target products held by a plurality of users U having the attribute items indicated in the attribute information 71, and is information ranked from 1st to 6th. In the following, when the plurality of investment target product information 78a, 78b, 78c, 78d, 78e, and 78f is indicated without distinguishing each of them individually, they may be referred to as investment target product information 78.

[0341] When the user U selects the investment target product information 78 by operating the operation unit 12 of the terminal device 2, detailed information of the investment target information corresponding to the selected investment target product information 78 is provided to the terminal device 2 by the providing unit 47 and displayed on the display unit 11. The detailed information of the investment target information is an example of investment-related information, and may be referred to as detailed investment target product information hereinafter.

[0342] In addition, when the user U selects the ranking button 58d while the home information 50 shown in FIG. 8 is displayed on the display unit 11, the providing unit 47 can also cause the display unit 11 to display ranking type selection information for selecting a type of ranking information.

[0343] The ranking type selection information includes ranking selection buttons for selecting corresponding ranking information from among multiple types of ranking information including the ranking information 70 shown in Fig. 11 and the ranking information 70 shown in Fig. 12. When a ranking selection button is selected by the user U, the providing unit 47 causes the display unit 11 to display the ranking information corresponding to the selected ranking selection button.

[0344] Next, a description will be given of target user portfolio information, which is portfolio information of a target user displayed on the display unit 11 when a detail button 55a or the like included in the portfolio information 55 is selected. Fig. 13 is a diagram showing an example of target user portfolio information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2.

[0345] The target user portfolio information 80 shown in FIG. 13 includes attribute information 81, portfolio comparison information 83, portfolio comparison result information 84, and similar user portfolio information 85.

[0346] The attribute information 81 is information indicating one or more common attribute items that are criterion for determining a similar user among a plurality of attribute items indicating attributes of a target user. In the example shown in Fig. 13, four common attribute items are shown, and it is indicated that a man in his 30s who lives in Tokyo and has an annual income of 5 million yen is determined to be a similar user.

[0347] The attribute information 81 includes a plurality of attribute item buttons 82a, 82b, 82c, and 82d, a category selection button 86, and an item addition button 87. In the attribute information 81 shown in Fig. 13, the attribute item buttons 82a, 82b, 82c, and 82d are highlighted.

[0348] These attribute item buttons 82a, 82b, 82c, and 82d indicate that the multiple attribute items that are the criteria for determining similar users are annual income of 5 million yen, residence in Tokyo, age 30, and male. In the following, when the multiple attribute item buttons 82a, 82b, 82c, and 82d are not individually distinguished from one another, they may be referred to as attribute item buttons 82.

[0349] The attribute item button 82 is a GUI that allows the user to cancel or reselect a selection of an attribute item. The user U can cancel or reselect an attribute item for identifying similar users by operating the operation unit 12 of the terminal device 2 to select the attribute item button 82.

[0350] 13, the user U can cancel "Tokyo" as an attribute item for identifying similar users by operating the attribute item button 82d. In this case, the providing unit 47 transmits the target user portfolio information 80 in which the multiple attribute items serving as criteria for determining similar users are annual income of 5 million yen, age in 30s, and male to the terminal device 2, and causes the display unit 11 to display the changed target user portfolio information 80.

[0351] The category selection button 86 is a GUI that is selected by the user U when the user U does not want to include a specific category in the portfolio, and in the example shown in Fig. 13, it is selected when the user U does not want to include the category "real estate" in the portfolio. Note that the category selection button 86 is not limited to the category "real estate", and may be a GUI that is selected when no other category is to be included instead of or in addition to the category "real estate".

[0352] The add item button 87 is a GUI for adding attribute items that serve as criteria for determining similar users. By selecting the add item button 87, the user U can cause an attribute item list to be displayed on the display unit 11 and select the desired attribute item from the attribute item list.

[0353] In this case, the providing unit 47 transmits target user portfolio information 80 to the terminal device 2, in which a user U having attributes that further include an attribute item selected from the attribute item list is treated as a similar user, and displays the changed target user portfolio information 80 on the display unit 11.

[0354] The portfolio comparison information 83 is information in which information showing the target user's portfolio and information showing the similar user's portfolio are arranged side by side. In the example shown in Fig. 13, the portfolio comparison information 83 is information in which a stacked bar graph showing the composition ratio of the target user's portfolio and a stacked bar graph showing the similar user's portfolio are arranged side by side. The information showing the portfolio is not limited to a stacked bar graph, and may be a pie chart, or a bar graph or line graph showing the ratio for each category.

[0355] In the example shown in FIG. 13, similar user portfolio information, which is information on the portfolios of similar users included in the portfolio comparison information 83, is information indicating a similar user average portfolio obtained by averaging the composition ratios of the portfolios of a plurality of similar users.

[0356] The similar user portfolio information may be information indicating a portfolio of a similar user with the highest investment profit or the highest valuation amount. The similar user portfolio information may also be information indicating a portfolio of a similar user with the highest score obtained by weighting and adding the investment profit and the valuation amount.

[0357] The portfolio comparison result information 84 is information indicating a result of comparison between the target user's portfolio and the similar user's portfolio. In the example shown in Fig. 13, the similar user's portfolio is, for example, a similar user average portfolio.

[0358] In the example shown in FIG. 13, the portfolio comparison result information 84 includes information about categories with a difference of 5 points (5%) or more among the comparison results for each category between the target user's portfolio and the similar user average portfolio.

[0359] Specifically, in the example shown in FIG. 13, portfolio comparison result information 84 includes information indicating the string "Compared to the average," the string "The proportion of real estate appears to be 17 points higher," the string "The proportion of Japanese stocks appears to be 18 points lower," and the string "The proportion of investment trusts appears to be 8 points lower."

[0360] The similar user portfolio information 85 includes information on each category of the similar user's portfolio. In the example shown in Fig. 13, the similar user's portfolio is a similar user average portfolio.

[0361] Specifically, in the example shown in FIG. 13, portfolio comparison result information 84 indicates that the valuation value of the category "real estate" in the similar user average portfolio is 3 million, and the valuation value of the category "Japanese stocks" is 8 million.

[0362] Next, a description will be given of the investment target product detailed information displayed on the display unit 11 when the investment target product information 78, etc. included in the ranking information 70 shown in Fig. 12 is selected. Fig. 14 is a diagram showing an example of the investment target product detailed information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2.

[0363] 14 is information provided to the terminal device 2 of the target user when, for example, the investment product selected by the target user is stocks of company A and the investment level of the target user is level 2. In the example shown in FIG. 14, the investment product detail information 90 includes investment information 91, 92, and 93.

[0364] The investment information 91 includes emotion information 91a including an emotion graph generated based on comments posted by multiple users U about Company A, and featured comment information 91b which is information on comments that are attracting attention among the comments posted by multiple users U about Company A.

[0365] In the example shown in Figure 14, featured comment information 91b is highlighted as interested user information, indicating that the details of the comment indicated in featured comment information 91b are being viewed by the interested user or have been viewed by the interested user.

[0366] The investment information 92 is information showing the details of shareholder benefits offered by Company A. The investment information 93 is information showing a chart of the stocks of Company A. The investment product details information 90 includes investment information other than the investment information 91, 92, and 93, and the user U can display the investment information other than the investment information 91, 92, and 93 on the display unit 11 by operating the operation unit 12 to perform a scroll operation or the like on the investment product details information 90.

[0367] 15 is a diagram showing another example of investment product detail information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2. The investment product detail information 90 shown in Fig. 15 is information provided to the terminal device 2 of the target user when, for example, the investment product selected by the target user is stocks of company A and the investment level of the target user is level 1.

[0368] 15, the investment product details information 90 includes investment information 93, 94, and 95. The investment information 94 is information including information on the stock price of Company A on the day. The investment information 95 is information including information on various items such as the market capitalization of Company A's stock and the number of shares per unit.

[0369] In addition, the investment target product details information 90 includes investment information other than the investment information 93, 94, and 95, and the user U can display investment information other than the investment information 93, 94, and 95 on the display unit 11 by performing a scrolling operation or the like on the investment target product details information 90.

[0370] In addition, the investment product details information 90 shown in FIG. 15 also includes information that is highlighted as user of interest information, and user U can understand that the investment product details information 90 is being viewed by a user of interest or has been viewed by a user of interest by operating the operation unit 12 to perform a scroll operation or the like on the investment product details information 90.

[0371] 5. Processing Procedure Next, a procedure of information processing by the processing unit 22 of the information processing device 1 according to the embodiment will be described. Fig. 16 is a flowchart showing an example of information processing by the processing unit 22 of the information processing device 1 according to the embodiment.

[0372] 16, the processing unit 22 of the information processing device 1 determines whether or not a request has been received from the terminal device 2 (step S20). The request from the terminal device 2 is, for example, the above-mentioned home information request, investment-related information request, category display information request, ranking information request, subcategory detailed information request, portfolio information request, etc.

[0373] When the processing unit 22 determines that a request has been received (step S20: Yes), it generates information according to the received request and performs an information providing process of transmitting the generated information to the terminal device 2 (step S21). When the processing unit 22 ends the process of step S21 or determines that the request has not been received (step S20: No), it determines whether or not it has received setting information from the terminal device 2 (step S22).

[0374] When the processing unit 22 determines that the setting information has been received from the terminal device 2 (step S22: Yes), the processing unit 22 stores the received setting information in the storage unit 21 (step S23). When the processing of step S23 ends, or when the processing unit 22 determines that the setting information has not been received from the terminal device 2 (step S22: No), the processing unit 22 determines whether or not the estimation timing has arrived (step S24). The estimation timing is the timing to execute the function of the estimation unit 42 described above.

[0375] When the processing unit 22 determines that the estimation timing has arrived (step S24: Yes), it performs estimation processing (step S25). The estimation processing in step S25 is the above-mentioned estimation processing in the above-mentioned estimation unit 42. When the processing unit 22 determines that the estimation timing has not arrived (step S24: No) after the processing in step S25 has ended, it determines whether or not the judgment timing has arrived (step S26). The judgment timing is the timing to execute the function of the judgment unit 43 described above.

[0376] When the processing unit 22 determines that the judgment timing has arrived (step S26: Yes), it performs judgment processing (step S27). The judgment processing in step S27 is the judgment processing described above in the judgment unit 43 described above. When the processing in step S27 is completed, or when the processing unit 22 determines that the judgment timing has not arrived (step S26: No), it determines whether or not the comparison timing has arrived (step S28). The comparison timing is the timing to execute the function of the comparison unit 44 described above.

[0377] When the processing unit 22 determines that the comparison timing has arrived (step S28: Yes), it performs a comparison process (step S29). The comparison process of step S29 is the above-mentioned comparison process in the above-mentioned comparison unit 44. When the processing unit 22 has finished the process of step S29, or when it has determined that the comparison timing has not arrived (step S28: No), it determines whether or not the decision timing has arrived (step S30). The decision timing is the timing to execute the function of the above-mentioned decision unit 45.

[0378] When the processing unit 22 determines that the decision timing has arrived (step S30: Yes), it performs a decision process (step S31). The decision process of step S31 is the above-mentioned decision process in the above-mentioned decision unit 45. When the processing of step S31 ends, or when the processing unit 22 determines that the decision timing has not arrived (step S30: No), it determines whether or not the operation end timing has arrived (step S32). The processing unit 22 determines that the operation end timing has arrived, for example, when the power supply of the information processing device 1 is turned off, or when it determines that an end operation has been performed by operating an operation unit (not shown) of the information processing device 1.

[0379] If the processing unit 22 determines that the operation end time has not arrived (step S32: No), it transitions to step S20, and if it determines that the operation end time has arrived (step S32: Yes), it terminates the processing shown in FIG. 16.

[0380] In addition, the processing unit 22 can perform the processes of steps S20 and S21, the processes of steps S22 and S23, the processes of steps S24 and S25, the processes of steps S26 and S27, the processes of steps S28 and S29, and the processes of steps S30 and S31 in parallel.

[0381] 6. Modifications The above-mentioned learning model is generated by machine learning using a neural network such as a convolutional neural network, a recurrent neural network, or a deep neural network, but is not limited to such examples. For example, instead of a neural network, the learning model may be generated using machine learning using a learning algorithm such as a gradient boosting decision tree (GBDT), linear regression, or logistic regression.

[0382] The terminal device 2 can cooperate with the information processing device 1 to execute part or all of the functions of one or more of the reception unit 40, the acquisition unit 41, the estimation unit 42, the judgment unit 43, the comparison unit 44, the decision unit 45, the generation unit 46, and the provision unit 47, and can function as a part of an information processing device having part or all of the functions of one or more of the reception unit 40, the acquisition unit 41, the estimation unit 42, the judgment unit 43, the comparison unit 44, the decision unit 45, the generation unit 46, and the provision unit 47. In the following, a configuration including part or all of the above-mentioned information processing device 1 and the terminal device 2 may be referred to as the information processing device 1.

[0383] The processing unit 15 shown in FIG. 3 is realized, for example, by a processor such as a CPU or MPU executing various programs (examples of information processing programs) stored in a storage device (for example, the storage unit 14) inside the terminal device 2 using the RAM as a working area.

[0384] [7. Hardware Configuration] Each of the information processing device 1 and the terminal device 2 according to the embodiment described above is realized by a computer 200 having a configuration as shown in Fig. 17, for example. Fig. 17 is a hardware configuration diagram showing an example of the computer 200 that realizes each function of the information processing device 1 and the terminal device 2 according to the embodiment. The computer 200 has a CPU 201, a RAM 202, a ROM (Read Only Memory) 203, a HDD (Hard Disk Drive) 204, a communication interface (I / F) 205, an input / output interface (I / F) 206, and a media interface (I / F) 207.

[0385] The CPU 201 operates and controls each unit based on a program stored in the ROM 203 or the HDD 204. The ROM 203 stores a boot program executed by the CPU 201 when the computer 200 is started up, programs that depend on the hardware of the computer 200, and the like.

[0386] The HDD 204 stores programs executed by the CPU 201, data used by such programs, etc. The communication interface 205 receives data from other devices via a network N (see FIG. 2) and sends it to the CPU 201, and transmits data generated by the CPU 201 to other devices via the network N.

[0387] The CPU 201 controls output devices such as a display and a printer, and input devices such as a keyboard and a mouse, via the input / output interface 206. The CPU 201 acquires data from the input devices via the input / output interface 206. The CPU 201 also outputs generated data to the output devices via the input / output interface 206.

[0388] The media interface 207 reads a program or data stored in the recording medium 208 and provides it to the CPU 201 via the RAM 202. The CPU 201 loads the program from the recording medium 208 onto the RAM 202 via the media interface 207, and executes the loaded program. The recording medium 208 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable Disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory.

[0389] For example, when the computer 200 functions as the information processing device 1 according to the embodiment, the CPU 201 of the computer 200 executes a program loaded onto the RAM 202 to realize the functions of the processing unit 15 and the processing unit 22. In addition, the HDD 204 stores data in the storage unit 14 or the storage unit 21. The CPU 201 of the computer 200 reads and executes these programs from the recording medium 208, but as another example, these programs may be obtained from another device via the network N.

[0390] [8. Other] In addition, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically by a known method. In addition, the information including the processing procedures, specific names, various data and parameters shown in the above documents and drawings can be changed arbitrarily unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

[0391] In addition, each component of each device shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit according to various loads, usage conditions, etc.

[0392] For example, the information processing device 1 described above may be realized by a plurality of server computers. Also, depending on the function, an external platform may be called up using an API or network computing, and the configuration can be flexibly changed.

[0393] Furthermore, the above-described embodiments and modifications can be appropriately combined as long as the processing contents are not contradictory.

[0394] [9. Effects] As described above, the information processing device 1 according to the embodiment includes an acquisition unit 41, a determination unit 45, and a provision unit 47. The acquisition unit 41 acquires portfolio information, which is information indicating the portfolio of the user U. The determination unit 45 determines an investment product that can maintain the composition ratio of the portfolio within a predetermined fluctuation range as a proposed product, which is an investment product proposed to the user U. The provision unit 47 provides information indicating the proposed product determined by the determination unit 45. This allows the information processing device 1 to propose an appropriate investment product according to the investment situation of the user U.

[0395] The determination unit 45 also determines, as a suggested product, an investment product that can maintain the composition ratio of the portfolio within a predetermined fluctuation range and is to be proposed to the user U as a replacement for the investment product included in the portfolio. This allows the information processing device 1 to propose an appropriate investment product according to the investment situation of the user U.

[0396] The information processing device 1 also includes a reception unit 40 that receives designation of an investment target product included in the portfolio. The determination unit 45 determines, as a suggested product, an investment target product to be proposed as a replacement for the investment target product designated and accepted by the reception unit 40 among the investment target products included in the portfolio. This allows the information processing device 1 to propose an appropriate investment target product according to the investment situation of the user U.

[0397] Furthermore, the determination unit 45 determines, as the suggested product, an investment product similar to the investment product whose designation has been accepted by the acceptance unit 40. This allows the information processing device 1 to propose an appropriate investment product according to the investment situation of the user U. This allows the information processing device 1 to propose an appropriate investment product according to the investment situation of the user U.

[0398] The information processing device 1 also includes an estimation unit 42 that estimates investment target products that no longer satisfy the purpose held by the user U among the investment target products included in the portfolio. The determination unit 45 determines, as a suggested product, an investment target product to be proposed as a replacement for the investment target product estimated by the estimation unit 42. This allows the information processing device 1 to suggest appropriate investment target products according to the investment situation of the user U.

[0399] In addition, the determination unit 45 determines, as a suggested product, an investment product that is not included in the portfolio and is estimated to satisfy the purpose. This allows the information processing device 1 to propose an appropriate investment product according to the investment situation of the user U.

[0400] In addition, the investment target product is a stock product, and the purpose is a specific shareholder benefit. This allows the information processing device 1 to propose an appropriate investment target product according to the user U's investment situation.

[0401] In addition, the determination unit 45 determines, as the suggested product, an investment target product not held by the user U but held by a user U whose portfolio is similar to that of the user U. This allows the information processing device 1 to propose an appropriate investment target product according to the investment situation of the user U.

[0402] The above describes the embodiment of the present application in detail based on the drawings, but this is merely an example, and the present invention can be implemented in other forms that include various modifications and improvements based on the knowledge of those skilled in the art, including the forms described in the Disclosure of the Invention section.

[0403] Furthermore, the above-mentioned "section, module, unit" can be read as "means" or "circuit", etc. For example, an acquisition section can be read as an acquisition means or an acquisition circuit. [Explanation of symbols]

[0404] 1. Information processing device 2 Terminal Equipment 10,20 Communications Department 11 Display section 12 Control section 13 Sensor Group 14,21 Storage section 15,22 Processing section 16 Information acquisition department 17 Display processing section 18 Information output section 30 User information storage unit 31 Portfolio information storage unit 32 Investment information storage section 40 Reception 41 Acquisition Department 42 Estimation part 43 Judgment section 44 Comparison section 45 Decision Section 46 Generation part 47 Providing Department 100 Information Processing Systems

Claims

1. An acquisition unit that acquires portfolio information that is information indicating a user's portfolio; A determination unit that determines an investment target product capable of maintaining a composition ratio of the portfolio within a predetermined fluctuation range as a proposed product, which is an investment target product to be proposed to the user; a providing unit that provides information indicating the suggested product determined by the determining unit, The determination unit is The proposed product is an investment product that can maintain the composition ratio of the portfolio within a predetermined fluctuation range and is to be proposed to the user as a replacement for the investment products included in the portfolio.

23. An information processing apparatus comprising:

2. a reception unit for receiving designation of investment target products to be included in the portfolio, The determination unit is An investment product proposed to be replaced with the investment product designated by the reception unit among the investment products included in the portfolio is determined as the proposed product.

2. The information processing apparatus according to claim 1,

3. The determination unit is determining, as the proposed product, an investment product similar to the investment product designated and accepted by the acceptance unit; 3. The information processing apparatus according to claim 2.

4. An estimation unit that estimates investment products included in the portfolio that no longer satisfy the purpose of holding them by the user, The determination unit is determining, as the proposed product, an investment product to be proposed as a replacement for the investment product estimated by the estimation unit; 4. The information processing apparatus according to claim 1, wherein the information processing apparatus is a computer.

5. The determination unit is An investment product that is not included in the portfolio and is estimated to meet the objective is determined as the proposed product.

5. The information processing apparatus according to claim 4.

6. The investment product is It is a stock product. The object of the present invention is to It is a specific shareholder benefit.

6. The information processing apparatus according to claim 5,

7. An acquisition unit for acquiring portfolio information which is information indicating a user's portfolio; A determination unit that determines an investment target product capable of maintaining a composition ratio of the portfolio within a predetermined fluctuation range as a proposed product, which is an investment target product to be proposed to the user; a providing unit that provides information indicating the suggested product determined by the determining unit, The determination unit is An investment target product not held by the user but held by a user having a portfolio similar to that of the user is determined as the proposed product.

23. An information processing apparatus comprising:

8. 1. A computer-implemented information processing method, comprising: An acquisition step of acquiring portfolio information which is information indicating a user's portfolio; A determination step of determining an investment product capable of maintaining a composition ratio of the portfolio within a predetermined fluctuation range as a proposed product, which is an investment product to be proposed to the user; a providing step of providing information indicating the suggested product determined by the determining step, The determining step includes: The proposed product is an investment product that can maintain the composition ratio of the portfolio within a predetermined fluctuation range and is to be proposed to the user as a replacement for the investment products included in the portfolio.

23. An information processing method comprising:

9. A computer-implemented information processing method, comprising: An acquisition step of acquiring portfolio information which is information indicating a user's portfolio; A determination step of determining an investment product capable of maintaining a composition ratio of the portfolio within a predetermined fluctuation range as a proposed product, which is an investment product to be proposed to the user; a providing step of providing information indicating the suggested product determined by the determining step, The determining step includes: An investment target product not held by the user but held by a user having a portfolio similar to that of the user is determined as the proposed product.

23. An information processing method comprising:

10. An acquisition step of acquiring portfolio information which is information indicating a user's portfolio; A determination step of determining an investment product capable of maintaining a composition ratio of the portfolio within a predetermined fluctuation range as a proposed product, which is an investment product to be proposed to the user; a providing step of providing information indicating the suggested product determined by the determining step; The determination procedure includes: The proposed product is an investment product that can maintain the composition ratio of the portfolio within a predetermined fluctuation range and is to be proposed to the user as a replacement for the investment products included in the portfolio.

2. An information processing program comprising:

11. An acquisition step of acquiring portfolio information which is information indicating a user's portfolio; A determination step of determining an investment product capable of maintaining a composition ratio of the portfolio within a predetermined fluctuation range as a proposed product, which is an investment product to be proposed to the user; a providing step of providing information indicating the suggested product determined by the determining step; The determination procedure includes: An investment product not held by the user but held by a user having a portfolio similar to that of the user is determined as the proposed product.

2. An information processing program comprising:

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