Asset management system, asset management method, and program

Abstract

Increase users' motivation to save. [Solution] A price information acquisition unit (101) of an asset management system (1) acquires price information relating to the price of a desired purchase item, which is a product or service that a user wishes to purchase. A future prediction information acquisition unit (104) acquires future prediction information relating to a future prediction of the amount of assets that the user can use to purchase the desired purchase item, among the assets managed by an asset management service that manages the user's assets. A display control unit (103) displays purchase availability information relating to the time when the desired purchase item can be purchased on the user's user terminal, based on the price information and the future prediction information.

Description

[Technical field]

[0001] The present disclosure relates to an asset management system, an asset management method, and a program. [Background technology]

[0002] Conventionally, asset management services that manage assets of users are known. For example, Patent Document 1 describes a future passbook display system that creates a short-term forecast detail, which is a forecast of short-term deposits and withdrawals, based on transaction detail information at the user's financial institution, creates a long-term forecast detail, which is a forecast of deposits and withdrawals for a period related to the life event, based on information on the user's life event and information on a savings plan related to the life event, and displays a future passbook including the short-term forecast detail and the long-term forecast detail in a passbook format or a graph format on a user terminal. The service provided to a user by the future passbook display system of Patent Document 1 is an example of an asset management service. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2015-125531 A Summary of the Invention [Problem to be solved by the invention]

[0004] However, the future passbook display system of Patent Document 1 only allows a user to know, through the future passbook, predictions of deposits and withdrawals according to their own life events, and thus does not sufficiently increase the user's motivation to save.

[0005] One of the objectives of this disclosure is to increase users' motivation to save. [Means for solving the problem]

[0006] The asset management system of the present disclosure includes a price information acquisition unit that acquires price information regarding the price of a desired purchase item, which is a product or service that a user wishes to purchase, a future prediction information acquisition unit that acquires future prediction information regarding a future prediction of the amount available to the user for purchasing the desired purchase item among the assets managed by an asset management service that manages the user's assets, and a display control unit that displays purchase availability information regarding a purchase availability time when the desired purchase item can be purchased on the user's user terminal based on the price information and the future prediction information. Effect of the Invention

[0007] The present disclosure can increase users' motivation to save. [Brief description of the drawings]

[0008] [Figure 1] FIG. 2 illustrates an example of a hardware configuration of an asset management system. [Diagram 2] FIG. 13 illustrates an example of an asset management screen. [Diagram 3] FIG. 13 illustrates an example of an asset management screen. [Figure 4] FIG. 2 is a diagram illustrating an example of functions realized by the asset management system of the first embodiment. [Diagram 5] FIG. 2 is a diagram illustrating an example of an asset management database. [Figure 6] FIG. 10 is a diagram illustrating an example of a price database. [Figure 7] FIG. 2 is a diagram illustrating an example of a process executed in the asset management system. [Figure 8] FIG. 11 is a diagram showing an example of a screen displayed on a user terminal in the second embodiment. [Figure 9] FIG. 11 is a diagram illustrating an example of functions realized by an asset management system according to a second embodiment. [Figure 10] FIG. 2 is a diagram illustrating an example of a process executed in the asset management system. [Figure 11] FIG. 11 is a diagram illustrating an example of functions realized in a modified example of the first embodiment. [Figure 12] FIG. 13 is a diagram showing an example of an asset management screen according to Modification Example 1-1. [Figure 13] FIG. 13 is a diagram showing an example of how tasks are managed on an asset management screen. [Figure 14] FIG. 13 is a diagram illustrating an example of functions realized in a modified example of the second embodiment. [Figure 15] FIG. 13 is a diagram showing an example of an asset management screen in modification example 2-8. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] [1. First embodiment] A first embodiment, which is an example of an embodiment of an asset management system, an asset management method, and a program according to the present disclosure, will be described.

[0010] [1-1. Asset management system hardware configuration] 1 is a diagram showing an example of a hardware configuration of an asset management system. For example, the asset management system 1 includes an asset management server 10, an electronic commerce server 20, and a user terminal 30. Each of the asset management server 10, the electronic commerce server 20, and the user terminal 30 is connected to a network N such as the Internet or a LAN.

[0011] The asset management server 10 is a server computer for an asset management service. The asset management service is a service that manages a user's assets. Assets are the property of the user. The assets managed by the asset management service may be of any type. For example, the asset management service may manage deposits in a bank account, cash in the user's possession, electronic money, points, crypto assets, sales from an online flea market, financial products such as stocks or platinum, or real estate assets.

[0012] For example, the asset management server 10 includes a control unit 11, a storage unit 12, and a communication unit 13. The control unit 11 includes at least one processor. The storage unit 12 includes at least one of a volatile memory such as a RAM and a non-volatile memory such as a flash memory. The communication unit 13 includes at least one of a communication interface for wired communication and a communication interface for wireless communication.

[0013] The electronic commerce server 20 is a server computer for an electronic commerce service. The electronic commerce service is a service for executing electronic commerce. For example, the electronic commerce server 20 includes a control unit 21, a memory unit 22, and a communication unit 23. The hardware configurations of the control unit 21, the memory unit 22, and the communication unit 23 may be similar to those of the control unit 11, the memory unit 12, and the communication unit 13, respectively.

[0014] The user terminal 30 is a user's computer. For example, the user terminal 30 is a smartphone, a tablet, a personal computer, or a wearable terminal. The user terminal 30 includes a control unit 31, a memory unit 32, a communication unit 33, an operation unit 34, and a display unit 35. The hardware configurations of the control unit 31, the memory unit 32, and the communication unit 33 may be similar to those of the control unit 11, the memory unit 12, and the communication unit 13, respectively. The operation unit 34 is an input device such as a touch panel or a mouse. The display unit 35 is a display such as a liquid crystal or organic EL.

[0015] The programs stored in the memories 12, 22, 32 may be supplied to the asset management server 10, the electronic commerce server 20, or the user terminal 30 via the network N. At least one of a reading unit (e.g., a memory card slot) that reads a computer-readable information storage medium and an input / output unit (e.g., a USB port) for inputting and outputting data to and from an external device may be included in the asset management server 10, the electronic commerce server 20, or the user terminal 30. For example, a program stored in an information storage medium may be supplied to the asset management server 10, the electronic commerce server 20, or the user terminal 30 via at least one of the reading unit and the input / output unit.

[0016] Furthermore, the asset management system 1 may include at least one computer. The computers included in the asset management system 1 are not limited to the example of FIG. 1. For example, the asset management system 1 may include only the asset management server 10 and the user terminal 30. In this case, the electronic commerce server 20 exists outside the asset management system 1. The asset management system 1 may include only the asset management server 10. In this case, the electronic commerce server 20 and the user terminal 30 exist outside the asset management system 1. For example, the asset management system 1 may include the asset management server 10 and other computers not shown in FIG. 1.

[0017] [1-2. Overview of the asset management system of the first embodiment] In the first embodiment, a user uses an asset management service from an application installed in the user terminal 30. Hereinafter, the application is referred to as an asset management app. The asset management app is distributed by an operating company of the asset management service. For example, when a user operates the user terminal 30 to launch the asset management app, the user terminal 30 displays an asset management screen, which is the screen of the asset management app, on the display unit 35.

[0018] 2 and 3 are diagrams showing an example of an asset management screen. As shown in the upper left of FIG. 2, the asset management screen SC1 displays various information related to the user's assets managed by the asset management service, such as the total amount of the user's assets, the user's income and expenditure for the current month, and the user's asset goal. For example, the asset management app may be an application that allows the user to keep an electronic household account book. The asset data displayed on the asset management app may be manually input by the user, or may be obtained from a system of another service, such as a financial institution service, with which the asset management server 10 is linked.

[0019] In the first embodiment, a user can register a wish list in the asset management service. The wish list is a list indicating the wishes of the user. For example, products or services that the user wishes to purchase are registered in the wish list. Hereinafter, the products or services that the user wishes to purchase are referred to as desired purchase targets. The desired purchase target may be any product or service. For example, the desired purchase target may correspond to products sold in an e-commerce service, hotels or tours (so-called travel products) that can be booked in a travel reservation service, products sold in a restaurant, treatment services at a beauty salon or esthetic salon, or subscription services.

[0020] For example, when a user selects the button B10 for displaying a wish list, the user terminal 30 displays the contents of the user's wish list on an asset management screen SC1, as shown in the upper right of Fig. 2. In addition to items desired to be purchased, any text indicating the user's wishes can be registered in the wish list, but in the first embodiment, the description will be mainly directed to items desired to be purchased that are registered in the wish list. In the asset management screen SC1 in the upper right of Fig. 2, the user has not yet registered any items desired to be purchased in the wish list.

[0021] For example, when a user selects a button B11 for registering a desired purchase item, the user terminal 30 displays a modal M12 on the asset management screen SC1 for the user to select another service for searching for a desired purchase item, as shown in the lower left of Fig. 2. When the user selects the electronic commerce service "AAA Market" on the modal M12, the user terminal 30 uses a web view function or the like to display a page of the electronic commerce service provided by the electronic commerce server 20 on the asset management screen SC1, as shown in the lower right of Fig. 2.

[0022] For example, when a user searches for and selects a product or service to register as a desired purchase from an electronic commerce service, the user terminal 30 displays details of the selected product or service on the asset management screen SC1, as shown in the upper left of Fig. 3. When the user selects button B13 for registering the desired purchase, the user terminal 30 displays on the asset management screen SC1 a message indicating that the desired purchase has been registered in the wish list, as shown in the upper right of Fig. 3. The user can also register a second or subsequent desired purchase to the wish list by selecting button B11 again.

[0023] In the first embodiment, the user terminal 30 displays purchase availability information I14 on the asset management screen SC1 regarding the availability of the desired purchase object. For example, the purchase availability information I14 indicates whether the available amount, which is the amount of the user's assets that can be used to purchase the desired purchase object, is sufficient for the user to purchase the desired purchase object. The available amount is the amount of all or a part of the user's assets. For example, the available amount is the amount that the user can freely use for purposes other than living expenses. The available amount may change over time. The available amount can also be said to be a predetermined limit of the user's assets (for example, a non-living limit or a specific purpose limit).

[0024] In the first embodiment, the user registers his / her savings pace in the asset management service. The available amount increases according to the savings pace registered by the user. If the user makes any consumption, the available amount may decrease. In the example in the upper right of FIG. 3, the available amount is 40,000 yen. The price of the desired purchase item is 70,000 yen. Therefore, the purchase feasibility information I14 indicates that the available amount is insufficient. For example, the purchase feasibility information I14 indicates a shortfall of 30,000 yen. The user looks at the purchase feasibility information I14 and aims to increase assets to purchase the desired purchase item by saving money in daily life, etc.

[0025] For example, if the user's registered savings pace is 20,000 yen per month, the available amount is expected to increase from 40,000 yen to 80,000 yen in two months. In this case, the asset management screen SC1 after two months will display purchase availability information I14, as shown in the lower left of FIG. 3, indicating that the desired purchase item can be purchased. In this way, the asset management system 1 of the first embodiment presents the user with an easy-to-understand goal of purchasing the desired purchase item by displaying the purchase availability information I14 on the asset management screen SC1. In this way, the asset management system 1 is designed to increase the user's motivation to save. The asset management system 1 will be described in detail below.

[0026] [1-3. Functions realized by the asset management system of the first embodiment] FIG. 4 is a diagram showing an example of functions realized by the asset management system 1 of the first embodiment.

[0027] [1-3-1. Functions realized by the asset management server] For example, the asset management server 10 includes a data storage unit 100, a price information acquisition unit 101, an available amount information acquisition unit 102, and a display control unit 103. The data storage unit 100 is realized by the memory unit 12. Each of the price information acquisition unit 101, the available amount information acquisition unit 102, and the display control unit 103 is realized by the control unit 11.

[0028] [Data storage section] The data storage unit 100 stores data necessary for the asset management service. For example, the data storage unit 100 stores an asset management database DB1.

[0029] FIG. 5 is a diagram showing an example of an asset management database DB1. The asset management database DB1 is a database in which various information related to a user's assets is stored. For example, the asset management database DB1 stores a user ID, a password, asset information, and wish list information. The user ID is an example of user identification information that can identify a user in the asset management service. Other information such as an email address or a phone number may also be used as user identification information.

[0030] Asset information is information about a user's assets. For example, the asset information indicates the user's current assets, the user's current expenditures, the user's future assets, or a combination of these. The asset management server 10 cooperates with servers of other services, such as a financial institution service that manages the user's bank account, to update the asset information. The method of updating the user's assets may be a known method. For example, the asset management server 10 may cooperate with a credit card company's system to update the asset information based on the user's credit card usage. The asset information may include other information, such as the pace of savings, entered by the user.

[0031] In the first embodiment, the asset information includes available amount information. The available amount information indicates the available amount that the user can use to purchase the desired purchase item. The available amount information is expressed in an amount of a currency such as Japanese yen. The available amount information is updated by the available amount information acquisition unit 102 described below. The available amount information may be updated manually by a user operation, rather than by information processing by the available amount information acquisition unit 102.

[0032] Wish list information is information related to a user's wish list. For example, the wish list information includes price information related to the prices of the items registered in the wish list. The wish list information may indicate the product title of the item desired to be purchased, an image of the item desired to be purchased, a description of the item desired to be purchased, a link to a page of the item desired to be purchased in an e-commerce service, or a combination of these. The asset management server 10 obtains this information from the e-commerce server 20 and includes it in the wish list information.

[0033] The data stored in the data storage unit 100 is not limited to the above example. The data storage unit 100 may store any data necessary for the asset management service. For example, the data storage unit 100 may store data of various screens displayed on an asset management app.

[0034] [Price Information Acquisition Department] The price information acquisition unit 101 acquires price information on the price of a desired purchase object, which is a product or service that the user wishes to purchase. In the first embodiment, price information is stored in the asset management database DB1, so the price information acquisition unit 101 acquires price information of the desired purchase object from the asset management database DB1. If price information is stored in a database other than the asset management database DB1, the price information acquisition unit 101 acquires price information of the desired purchase object from the other database. If price information is stored in a computer or an external information storage medium other than the asset management server 10, the price information acquisition unit 101 acquires price information of the desired purchase object from the other computer or external information storage medium.

[0035] In the first embodiment, a product or service searched for by a user in an electronic commerce service is registered in an asset management service as a desired purchase target. For example, when the desired purchase target is registered in an asset management service, the price information acquisition unit 101 acquires price information of the desired purchase target from the electronic commerce server 20. The price information acquisition unit 101 stores the price information of the desired purchase target in the asset management database DB1 in association with the user ID of the user. The price information acquisition unit 101 can acquire the price information of the desired purchase target stored in the asset management database DB1 at any timing. The price information acquisition unit 101 may acquire price information from other services that handle the desired purchase target in addition to the electronic commerce service.

[0036] The desired purchase target may be any product or service selected by the user in some way. The method of identifying the desired purchase target is not limited to the example of the first embodiment. For example, the desired purchase target may be a product or service registered by the user in the wish list, favorites list, or as a product or service to be purchased in the e-commerce service. The user may select the desired purchase target from any service other than the e-commerce service (for example, an online flea market service, a travel reservation service, or other service). In addition, since the price information may be updated, the price information acquisition unit 101 may acquire the latest price information from the e-commerce server 20 periodically or when the asset management screen SC1 is displayed.

[0037] [Available amount information acquisition department] The available amount information acquiring unit 102 acquires available amount information relating to the amount available to the user for purchasing a desired purchase item among the assets managed by an asset management service that manages the user's assets. In the first embodiment, available amount information is stored in asset management database DB1, so the available amount information acquiring unit 102 acquires the user's available amount information from asset management database DB1. If the available amount information is stored in a database other than asset management database DB1, the available amount information acquiring unit 102 acquires the user's available amount information from the other database. If the available amount information is stored in a computer or external information storage medium other than the asset management server 10, the available amount information acquiring unit 102 acquires the user's available amount information from the other computer or external information storage medium.

[0038] In the first embodiment, the available amount information acquisition unit 102 repeatedly updates the available amount information based on a predetermined calculation formula. For example, when the available amount information needs to be updated, the available amount information acquisition unit 102 calculates the latest available amount by adding an amount corresponding to the period from the most recent update to the current time (for example, the saving pace specified by the user) to the available amount indicated by the available amount information updated at the most recent update. The available amount information acquisition unit 102 updates the available amount information of the user so as to indicate the latest available amount. The available amount information acquisition unit 102 can acquire the updated available amount information stored in the asset management database DB1 at any time. For example, the available amount information acquisition unit 102 updates the available amount information so that the available amount is periodically increased by an amount corresponding to the saving pace registered by the user. The available amount information acquisition unit 102 updates the available amount information so that when the user makes some kind of consumption, the available amount is decreased by the amount of the consumption.

[0039] It should be noted that the method of obtaining the available amount information by the available amount information obtaining unit 102 is not limited to the above example. For example, when the user manually inputs the available amount, the available amount information obtaining unit 102 may obtain available amount information indicating the available amount manually input by the user from the user terminal 30. The available amount information obtaining unit 102 stores the available amount information obtained from the user terminal 30 in the asset management database DB1. As another example, the available amount information obtaining unit 102 may obtain the available amount information by calculating the available amount as the value obtained by subtracting expenses such as living expenses input by the user into the asset management app from the user's assets.

[0040] [Display control section] The display control unit 103 causes the user terminal 30 to display various screens. The display control unit 103 causes the user terminal 30 to display the screen by transmitting display data of the screen to be displayed to the user terminal 30. The display data may be data necessary for displaying some screen, and may be in any format. For example, when an asset management app is used, the display data may be data in a format compatible with the asset management app (e.g., image data or HTML data). When a browser is used, the display data may be HTML data.

[0041] In the first embodiment, the display control unit 103 displays purchase possibility information I14 regarding the purchase possibility of the desired purchase object on the user terminal 30 of the user based on the price information and the available amount information. The purchase possibility information I14 is information that the user can visually recognize. For example, the purchase possibility information I14 may be an image such as an icon, text, or other information. The purchase possibility information I14 may be information that allows the user to recognize in some form whether the desired purchase object is purchasable or not. The display control unit 103 displays the purchase possibility information I14 on the user terminal 30 by transmitting display data of the purchase possibility information I14 or display data of the entire asset management screen SC1 including the purchase possibility information I14 to the user terminal 30.

[0042] For example, the display control unit 103 determines whether or not the desired purchase object can be purchased based on the price information and the available amount information. The display control unit 103 determines that the desired purchase object can be purchased when the available amount indicated by the available amount information is equal to or greater than the price indicated by the price information. The display control unit 103 determines that the desired purchase object cannot be purchased when the available amount indicated by the available amount information is less than the price indicated by the price information. Note that when the price indicated by the price information does not include tax, the display control unit 103 may determine whether or not the desired purchase object can be purchased after taking the tax into consideration.

[0043] For example, when it is determined that the desired purchase target can be purchased, the display control unit 103 causes the user terminal 30 to display purchase feasibility information I14 indicating that the desired purchase target can be purchased. An example of the purchase feasibility information I14 in this case is the purchase feasibility information I14 on the asset management screen SC1 at the bottom left of Fig. 3. When it is determined that the desired purchase target can be purchased, the display control unit 103 may calculate the remaining amount after the user purchases the desired purchase target, and cause the purchase feasibility information I14 indicating the remaining amount to be displayed.

[0044] On the other hand, when it is determined that the desired purchase target is not available for purchase, the display control unit 103 causes the user terminal 30 to display purchase feasibility information I14 indicating the shortfall in the amount required to purchase the desired purchase target. An example of the purchase feasibility information I14 in this case is the purchase feasibility information I14 on the asset management screen SC1 in the upper right corner of Fig. 3. When it is determined that the desired purchase target is not available for purchase, the display control unit 103 may cause the user terminal 30 to display purchase feasibility information I14 indicating that the desired purchase target is not available for purchase, without calculating the shortfall.

[0045] The display control unit 103 can display the purchase availability information I14 at any timing. For example, the display control unit 103 may display the purchase availability information I14 on the user terminal 30 when the user logs in to the asset management service. The display control unit 103 may display the purchase availability information I14 on the user terminal 30 when the user performs an operation to display the purchase availability information I14 on the asset management screen SC1.

[0046] [1-3-2. Functions realized by the e-commerce server] For example, the electronic commerce server 20 includes a data storage unit 200 and a search processing execution unit 201. The data storage unit 200 is realized by the storage unit 22. The search processing execution unit 201 is realized by the control unit 21.

[0047] [Data storage section] The data storage unit 200 stores data necessary for electronic commerce services. For example, the data storage unit 200 stores a price database DB2.

[0048] 6 is a diagram showing an example of a price database DB2. The price database DB2 is a database that stores various information related to the prices of products or services that are candidates for purchase requests. For example, the price database DB2 stores product IDs or service IDs and price information of products or services. The product ID is an example of product identification information that can identify a product in the asset management service. The service ID is an example of product identification information that can identify a service in the asset management service.

[0049] The data stored in the data storage unit 200 is not limited to the above examples. The data storage unit 200 may store data necessary for the e-commerce service. For example, the data storage unit 200 may store data of various screens in the e-commerce service. The data storage unit 200 may store information regarding the title, description, image, or inventory of products or services handled in the e-commerce service. The data storage unit 200 may store information regarding a user's wish list, a list of favorite products, or a purchase history.

[0050] [Search processing execution part] The search processing execution unit 201 searches for products or services that are candidates for the desired purchase target. For example, the search processing execution unit 201 searches for products or services whose price information is stored in the price database DB2 based on a search query input by the user. The search processing execution unit 201 transmits data indicating the search results for products or services to the user terminal 30. When the user selects a desired purchase target, the search processing execution unit 201 transmits price information of the desired purchase target to the asset management server 10. For example, the search processing execution unit 201 may execute a search taking into consideration not only the search query input by the user but also other information registered in the electronic payment service. For example, the search processing execution unit 201 may execute a search taking into consideration the lowest price, the evaluation of the product or service, the number of views, the number of purchases, the number of views in a predetermined period, or other information.

[0051] [1-3-3. Functions realized on user terminals] For example, the user terminal 30 includes a data storage unit 300, an operation reception unit 301, and a display control unit 302. The data storage unit 300 is realized by the storage unit 32. The operation reception unit 301 and the display control unit 302 are realized by the control unit 31.

[0052] [Data storage section] The data storage unit 300 stores data necessary for a user to use an asset management service and an electronic commerce service. For example, the data storage unit 300 stores an asset management app. When a user uses the asset management service from a browser instead of the asset management app, the data storage unit 300 stores the browser.

[0053] [Operation reception section] The operation reception unit 301 receives various operations from the user. For example, the operation reception unit 301 receives an operation for an asset management application. The operation reception unit 301 transmits data indicating the content of the user's operation to the asset management server 10 or the electronic commerce server 20.

[0054] [Display control section] The display control unit 302 displays various screens on the display unit 35. For example, the display control unit 302 displays an asset management screen SC1 on the display unit 35. The display control unit 302 communicates with the asset management server 10 or other computers, receives data necessary to display these screens, and displays these screens on the display unit 25.

[0055] [1-4. Processing Executed in the Asset Management System of the First Embodiment] Fig. 7 is a diagram showing an example of processing executed by the asset management system 1. The control units 11, 21, and 31 execute programs stored in the storage units 12, 22, and 32, respectively, to thereby execute the processing in Fig. 7.

[0056] 7, when the user terminal 30 starts the asset management app, it executes a login process between the user terminal 30 and the asset management server 10 to allow the user to log in to the asset management service (S100). If the login is successful, the asset management server 10 executes a process between the user terminal 30 and the user terminal 30 based on the asset management database DB1 to display the top page of the asset management screen SC1 (S101).

[0057] When the user instructs to display the wish list, the user terminal 30 requests the asset management server 10 to display the wish list (S102). When the asset management server 10 receives the request to display the wish list from the user terminal 30 (S103), it determines whether or not a desired purchase item is registered in the user's wish list based on the asset management database DB1 (S104).

[0058] If it is determined in S104 that the desired purchase object is not registered in the wish list (S104:N), the asset management server 10 causes the user terminal 30 to display the wish list, which does not include purchase availability information, on the asset management screen SC1 (S105). When the user selects button B11, the user terminal 30 causes modal M12 to be displayed on the asset management screen SC1 (S106). When the user selects the electronic commerce service "AAA Market", the user terminal 30 executes processing between the asset management server 10 and the electronic commerce server 20 to register the desired purchase object in the wish list (S107), and proceeds to processing in S108.

[0059] If it is determined in S104 that the desired purchase item is registered in the wish list (S104: Y), the asset management server 10 acquires price information of the desired purchase item from the asset management database DB1 (S108). The asset management server 10 acquires available balance information of the user from the asset management database DB1 (S109). The asset management server 10 determines whether the desired purchase item can be purchased based on the price information and the available balance information (S110).

[0060] If it is determined in S110 that the desired purchase item can be purchased (S110: Y), the asset management server 10 generates purchase feasibility information I14 indicating that the desired purchase item can be purchased (S111). If it is not determined in S110 that the desired purchase item can be purchased (S110: N), the asset management server 10 calculates the shortfall in the amount required to purchase the desired purchase item and generates purchase feasibility information I14 (S112). The asset management server 10 executes a process between the user terminal 30 and the user terminal 30 to display the purchase feasibility information I14 on the asset management screen SC1 (S113), and this process ends.

[0061] [1-5. Summary of the first embodiment] The asset management system 1 of the first embodiment displays purchase feasibility information I14 regarding the feasibility of purchasing the desired purchase object on the user terminal 30 of the user based on price information of the desired purchase object and available amount information of the user. In this way, the asset management system 1 presents the user with an easy-to-understand goal of purchasing the desired purchase object, and can increase the user's motivation for saving. For example, if the asset management system 1 simply manages the user's assets or the user's expenses, the user cannot enjoy managing the assets, but since the user can know from the purchase feasibility information I14 whether the desired purchase object can be purchased, the asset management system 1 can increase the interest in the asset management service.

[0062] Furthermore, the asset management system 1 determines whether or not the desired purchase item can be purchased based on the price information and the available amount information. When it is determined that the desired purchase item cannot be purchased, the asset management system 1 displays purchase feasibility information I14 indicating the shortfall in the amount required to purchase the desired purchase item on the user terminal 30. This makes it easier for the user to know how much money is still needed to purchase the desired purchase item, so the asset management system 1 can effectively increase the user's motivation to save. The shortfall allows the user to know a specific goal.

[0063] The asset management system 1 also obtains price information of the desired purchase item selected by the user from another service other than the asset management service. The asset management system 1 can accurately identify the amount of money required to purchase the desired purchase item, and can display on the user terminal 30 purchase feasibility information I14 that more accurately indicates whether the desired purchase item can be purchased.

[0064] [2. Second embodiment] Next, a second embodiment, which is another embodiment of the asset management system 1, will be described. In the second embodiment, the asset management system 1 displays purchase availability information regarding the time when the desired purchase item can be purchased on the asset management screen SC1. In the second embodiment, explanations of the same points as in the first embodiment will be omitted. The asset management system 1 of the second embodiment does not need to include the functions described in the first embodiment. In other words, the asset management system 1 of the second embodiment does not need to display purchase availability information I14 on the asset management screen SC1.

[0065] FIG. 8 is a diagram showing an example of a screen displayed on the user terminal 30 in the second embodiment. In the second embodiment, the flow up to the point where the user registers a desired purchase object in the wish list may be the same as in the first embodiment. For example, when the user selects a button B10 for displaying the wish list after registering a desired purchase object in the wish list, the user terminal 30 displays purchase possible time information I15 on the asset management screen SC1, as shown in FIG. 8. The purchase possible time information I15 is calculated based on the future available amount.

[0066] For example, as in the first embodiment, assume that the current available amount is 40,000 yen. Assume that the user saves at a rate of 20,000 yen per month. Since the user's available amount will not reach 70,000 yen, which is the price of the item desired to be purchased, until two months from now, the user terminal 30 displays the purchase possible time information I15 indicating two months from now on the asset management screen SC1. As described above, the asset management system 1 of the second embodiment uses the purchase possible time information I15 to let the user know the time required to purchase the target item desired to be purchased, thereby increasing the user's motivation to save. Details of the asset management system 1 of the second embodiment will be described below.

[0067] [2-1. Functions realized by the asset management system of the second embodiment] 9 is a diagram showing an example of functions realized by the asset management system 1 of the second embodiment. In the second embodiment, the functions of the electronic commerce server 20 and the user terminal 30 are similar to those of the first embodiment. Therefore, the functions of the asset management server 10 will be mainly described.

[0068] The asset management server 10 includes a data storage unit 100, a price information acquisition unit 101, an available amount information acquisition unit 102, a display control unit 103, and a future prediction information acquisition unit 104. The functions of the data storage unit 100, the price information acquisition unit 101, and the available amount information acquisition unit 102 are the same as those in the first embodiment. Some of the functions of the display control unit 103 are different from those in the first embodiment. The future prediction information acquisition unit 104 is a function unique to the asset management server 10 of the second embodiment.

[0069] [Future Forecast Information Acquisition Department] The future prediction information acquisition unit 104 acquires future prediction information regarding a future prediction of the amount available to the user for purchasing a desired purchase item among the assets managed by an asset management service that manages the user's assets. The future prediction information indicates a predicted value of the amount available in the future, rather than the amount available at the current time. For example, the future prediction information may indicate the amount available at one point in the future, or the amount available at each of a plurality of points in time. The future prediction information may indicate the amount of increase in the amount available in the future. For example, the future prediction information may indicate the pace at which the user will save money.

[0070] In the second embodiment, the future prediction information acquisition unit 104 acquires user future prediction information based on a predetermined calculation formula. For example, the future prediction information acquisition unit 104 may acquire available amount information at the current time point in the same manner as the available amount information acquisition unit 102 in the first embodiment. The future prediction information acquisition unit 104 may calculate a predicted value of the available amount at each of a plurality of time points by adding an amount according to the time length between the current time point and each of a plurality of time points in the future to the available amount indicated by the available amount information. For example, the future prediction information acquisition unit 104 may acquire future prediction information such that the available amount is periodically increased by an amount according to the pace of savings registered by the user. The future prediction information acquisition unit 104 may acquire future prediction information such that when the user makes some consumption, the available amount is decreased by the amount of consumption.

[0071] The future prediction information acquisition unit 104 may acquire future prediction information indicating an increase in the future available amount (for example, a savings pace specified by the user) instead of a predicted value of the future available amount. In this case, the future prediction information acquisition unit 104 may acquire the increase specified by the user as the future prediction information. The future prediction information acquisition unit 104 may calculate the future prediction information based on the user's tendency, etc., as in a modified example described later.

[0072] [Display control section] The display control unit 103 of the second embodiment displays available purchase time information I15 regarding the time when the desired purchase item can be purchased on the user terminal 30 of the user based on the price information and future prediction information. The available purchase time information I15 is information that can be visually recognized by the user. For example, the available purchase time information I15 may be an image such as an icon, text, or other information. The available purchase time information I15 indicates the time when the desired purchase item can be purchased. The available purchase time information I15 may be information that allows the user to recognize the available purchase time in some form.

[0073] For example, the display control unit 103 identifies a purchase available time when the desired purchase item can be purchased based on the price information and future prediction information. In the second embodiment, the available amount is calculated for each of a plurality of future time points, and the display control unit 103 identifies a time, among the plurality of future time points, when the available amount will be equal to or greater than the price indicated by the price information. In the example of FIG. 8, the display control unit 103 identifies a time two months from the present time. The display control unit 103 causes the user terminal 30 to display available purchase time information I15 indicating two months from now.

[0074] In addition, when the future prediction information indicates an increase in the available amount in the future (for example, the pace of savings specified by the user), the display control unit 103 may specify the time when the item can be purchased by dividing the difference between the price of the desired item indicated by the price information and the current available amount by the increase. For example, in the example of FIG. 8, if the user's savings pace is 20,000 yen per month, the future prediction information may indicate a savings pace of 20,000 yen per month. The display control unit 103 may specify the time when the item can be purchased by dividing 30,000 yen, which is the difference between 70,000 yen, which is the price of the desired item, and 40,000 yen, which is the current available amount, by 20,000 yen. Dividing 30,000 yen by 20,000 yen results in 1.5 months, but in the example of FIG. 8, the decimal point is rounded up.

[0075] [2-2. Processing Executed in the Asset Management System of the Second Embodiment] Fig. 10 is a diagram showing an example of processing executed by the asset management system 1. The control units 11, 21, and 31 execute programs stored in the storage units 12, 22, and 32, respectively, to execute the processing in Fig. 10.

[0076] The processes of S200 to S208 are the same as those of S100 to S108, respectively. The asset management server 10 acquires future prediction information of the user based on the asset management database DB1 (S209). The asset management server 10 predicts a purchase possible time based on the price information and the future prediction information, and generates purchase possible time information I15 (S210). The asset management server 10 executes a process between the user terminal 30 and the user terminal 30 to display the purchase possible time information I15 on the asset management screen SC1 (S211), and this process ends.

[0077] [2-3. Summary of the second embodiment] The asset management system 1 of the second embodiment displays the purchase possible time information I15 regarding the purchase possible time when the desired purchase object can be purchased on the user terminal 30 of the user based on the price information and the future prediction information. In this way, the asset management system 1 presents the user with an easy-to-understand indicator of the purchase possible time, and the asset management system 1 can increase the user's motivation for saving. For example, if the asset management system 1 simply manages the user's assets or the user's expenditures, the user cannot enjoy managing the assets, but since the user can know the purchase possible time of the desired purchase object from the purchase possible time information I15, the asset management system 1 can increase the interest in the asset management service. For example, the asset management system 1 can increase the user's motivation for saving by considering a realistic time axis according to the user's actual behavior regarding saving.

[0078] [3. Modifications] The present disclosure is not limited to the above-described embodiments. The present disclosure can be modified as appropriate without departing from the spirit and scope of the present disclosure.

[0079] [3-1. Modification of the first embodiment] First, a modification of the first embodiment will be described.

[0080] 11 is a diagram showing an example of functions realized in a modified example of the first embodiment. For example, the asset management server 10 includes a priority setting unit 105, a current asset information acquisition unit 106, an expenditure information acquisition unit 107, an expected savings information acquisition unit 108, a user information transmission unit 109, a search process execution unit 110, a task management unit 111, and an achievement process execution unit 112. Each of the priority setting unit 105, the current asset information acquisition unit 106, the expenditure information acquisition unit 107, the expected savings information acquisition unit 108, the user information transmission unit 109, the search process execution unit 110, the task management unit 111, and the achievement process execution unit 112 is realized by the control unit 11.

[0081] [Variation 1-1] For example, a user may register multiple desired purchase items in a wish list. Variation example 1-1 takes as an example a case where a user registers multiple products handled by an e-commerce service as multiple desired purchase items in a wish list. A user may register products handled by an e-commerce service and products or services handled by other services as multiple desired purchase items in a wish list. The procedure by which a user registers individual desired purchase items in a wish list may be similar to the procedure described in the embodiment. A user may register multiple desired purchase items in a wish list all at once.

[0082] The asset management database DB1 of variant 1-1 stores price information for each of a plurality of desired purchase objects. The process by which the asset management server 10 stores individual price information in the asset management database DB1 may be similar to the process described in the embodiment. The price information acquisition unit 101 of variant 1-1 acquires price information for each of a plurality of desired purchase objects. The price information acquisition unit 101 acquires price information for all or some of the desired purchase objects registered in the wish list. The price information acquisition unit 101 may acquire price information for the desired purchase objects to be displayed on the asset management screen SC1.

[0083] Fig. 12 is a diagram showing an example of an asset management screen SC1 of Modification 1-1. As shown in Fig. 12, the display control unit 103 of Modification 1-1 displays purchase feasibility information I14 for each of the multiple purchase desired objects on the user terminal 30 based on the price information and available amount information for each of the multiple purchase desired objects. For example, the display control unit 103 determines whether or not the purchase of the multiple purchase desired objects is possible based on the price information and available amount information for each of the multiple purchase desired objects. The determination performed by the display control unit 103 for each purchase desired object may be similar to the determination described in the embodiment.

[0084] For example, the display control unit 103 generates the purchase feasibility information I14 of a desired purchase object for which the available amount indicated by the available amount information is determined to be equal to or greater than the price indicated by the price information, so that the purchase feasibility information I14 indicates that the desired purchase object is available for purchase. The display control unit 103 generates the purchase feasibility information I14 of a desired purchase object for which the available amount indicated by the available amount information is determined to be less than the price indicated by the price information, so that the purchase feasibility information I14 indicates the shortfall in the purchase of the desired purchase object. The display control unit 103 causes the user terminal 30 to display the purchase feasibility information I14 of each of the multiple desired purchase objects.

[0085] In the example of FIG. 12, the user has registered four desired purchase targets, such as products A to D, in the wish list. The available amount indicated by the available amount information is 40,000 yen. The display control unit 103 determines whether the price indicated by the price information of each of the products A to D is equal to or greater than the available amount of 40,000 yen, and displays the purchase possibility information I14 of each of the products A to D on the asset management screen SC1. For example, the purchase possibility information I14 of the product A priced at 30,000 yen and the purchase possibility information I14 of the product B priced at 40,000 yen each indicate that the product can be purchased. The purchase possibility information I14 of the product C priced at 50,000 yen and the purchase possibility information I14 of the product D priced at 60,000 yen each indicate that the product cannot be purchased and therefore indicate a shortfall. The display control unit 103 may sort and display each of the multiple purchase possibility information I14 based on a predetermined sorting condition (for example, alphabetical order or order of registration, etc.).

[0086] The asset management system 1 of the modified example 1-1 displays purchase feasibility information I14 for each of a plurality of desired purchase objects on the user terminal 30 based on price information and available amount information for each of a plurality of desired purchase objects. The asset management system 1 presents the user with an easy-to-understand goal of purchasing as many desired purchase objects as possible, and can effectively increase the user's motivation to save.

[0087] [Variation 1-2] For example, in Modification 1-1, the user may set priorities for at least some of the multiple desired purchase objects. Modification 1-2 shows an example in which the user sets priorities for only some of the desired purchase objects, but the user may set priorities for all of the desired purchase objects. The user can set priorities for any number of desired purchase objects.

[0088] The asset management system 1 of the modified example 1-2 includes a priority setting unit 105. The priority setting unit 105 sets priorities for at least some of the multiple desired purchase objects. A user can set priorities for at least some of the multiple desired purchase objects from any screen, such as the asset management screen SC1. When a user specifies a priority for each of the multiple desired purchase objects, the priority setting unit 105 updates the user's wish list information so that the wish list information associated with the user's user ID indicates the specified priority.

[0089] The display control unit 103 of the modified example 1-2 displays the purchase feasibility information I14 of each of the multiple purchase desired objects on the user terminal 30, further based on at least some of the priorities of the multiple purchase desired objects. For example, when arranging the purchase feasibility information I14 from top to bottom, the display control unit 103 arranges the purchase feasibility information I14 of each of the multiple purchase desired objects such that the higher the priority of the purchase desired object, the higher the purchase feasibility information I14 of the purchase desired object is placed. In other words, the display control unit 103 arranges the purchase feasibility information I14 of each of the multiple purchase desired objects such that the purchase feasibility information I14 of the purchase desired object with a relatively high priority is placed relatively higher.

[0090] For example, let us say that, among the products A to D described in Modification 1-1, the user has given the highest priority to product C. Let us say that the user has not set priorities for products A, B, and D. In this case, the display control unit 103 causes the user terminal 30 to display the purchase propriety information I14 of each of the products A to D in a line such that the purchase propriety information I14 of product C is placed at the top. The purchase propriety information I14 of each of the products A, B, and D for which no priority has been set may be arranged under the predetermined sorting conditions described in Modification 1-1 after the purchase propriety information I14 of product C.

[0091] The order of the purchase feasibility information I14 is not limited to top to bottom. The display control unit 103 may arrange the purchase feasibility information I14 of each of the multiple purchase desired objects from left to right, right to left, or bottom to top. In this case, the higher the priority of the purchase desired object, the further to the left, right, or bottom it is placed. The display control unit 103 may cause the user terminal 30 to display only the purchase feasibility information I14 of the purchase desired object with a relatively high priority among the multiple purchase desired objects.

[0092] The asset management system 1 of the modified example 1-2 displays the purchase feasibility information I14 of each of the multiple purchase desired objects on the user terminal 30, further based on the priority order of at least one of the multiple purchase desired objects. This allows the asset management system 1 to display the purchase feasibility information I14 according to the priority order on the user terminal 30, thereby improving user convenience. For example, it becomes easier for the user to check the purchase feasibility information I14 with a relatively high priority order.

[0093] [Variation 1-3] For example, the method of acquiring (calculating) available amount information is not limited to the example of the embodiment. Variation 1-3 takes as an example a case where available amount information is acquired from three perspectives, namely, assets currently owned by the user, current expenditure information of the user, and future assets of the user. The asset information stored in the asset management database DB1 of variation 1-3 includes current asset information on current assets, expenditure information on the user's expenditure, and expected savings information on expected savings.

[0094] The current asset information indicates the amount of assets currently held by the user. If the user holds multiple assets, the current asset information may indicate the total amount of assets. The expenditure information indicates the user's current total expenditure. The expenditure information may indicate the total amount of expenditure for the entire past period, or may indicate the total amount of expenditure for a partial past period (e.g., the most recent month). The expected savings information indicates the amount of savings expected in the future. The asset management system 1 of variant 1-3 includes a current asset information acquisition unit 106, an expenditure information acquisition unit 107, and an expected savings information acquisition unit 108 for acquiring this information.

[0095] The current asset information acquisition unit 106 acquires the current asset information. For example, the current asset information acquisition unit 106 acquires the user's current asset information from a system of a financial institution service such as a bank. If the financial institution is a bank, the current asset information indicates the balance of a bank account. The current asset information acquisition unit 106 may acquire other current asset information managed in a securities account or the like. The current asset information acquisition unit 106 may acquire the current asset information from each system of a plurality of financial institution services. The current asset information acquisition unit 106 stores the user's current asset information in the asset management database DB1. The current asset information acquisition unit 106 may calculate the total amount of assets indicated by each of the plurality of pieces of current asset information of the user, and store it in the asset management database DB1 as one piece of current asset information. The current asset information acquisition unit 106 can acquire the current asset information stored in the asset management database DB1 at any timing. The current asset information acquisition unit 106 may acquire current asset information manually input by the user.

[0096] The expenditure information acquiring unit 107 acquires expenditure information. For example, the expenditure information acquiring unit 107 acquires the user's expenditure information from a system of another service, such as a company that manages credit cards or electronic money. The expenditure information acquiring unit 107 may acquire expenditure information from each system of a plurality of other services. The expenditure information acquiring unit 107 stores the user's expenditure information in an asset management database DB1. The expenditure information acquiring unit 107 may calculate the total amount of assets indicated by each of the user's plurality of expenditure information, and store it in the asset management database DB1 as one expenditure information. The expenditure information acquiring unit 107 can acquire the expenditure information stored in the asset management database DB1 at any timing. The expenditure information acquiring unit 107 may acquire expenditure information manually input by the user.

[0097] The expected savings information acquisition unit 108 acquires expected savings information. The expected savings information is calculated based on a predetermined prediction method to calculate the amount of savings expected by the user. For example, the expected savings information is acquired by calculating the amount of savings expected by the user based on the savings pace input by the user, and acquiring the calculated amount as expected savings information. The expected savings information may be acquired based on the user's past savings tendencies. The expected savings information may be acquired based on information such as the user's age group.

[0098] The available amount information acquiring unit 102 in the modification 1-3 acquires the available amount information based on the current asset information, expenditure information, and expected savings information. For example, the available amount information acquiring unit 102 acquires the available amount information by subtracting the amount of expenditure indicated by the expenditure information and the amount of savings indicated by the expected savings information from the amount indicated by the current asset information. The available amount information acquiring unit 102 may acquire the available amount information by taking into account other items such as expenditure amounts for irregular events or unexpected income.

[0099] The asset management system 1 of variant 1-3 acquires available amount information based on current asset information, expenditure information, and expected savings information. The asset management system 1 can improve the accuracy of estimating the amount indicated by the available amount information. The asset management system 1 can display more accurate purchase availability information I14 on the user terminal 30, thereby effectively increasing the user's motivation to save.

[0100] [Variation 1-4] For example, the user ID of the asset management service may be synchronized with the user ID of the electronic commerce service. In variant example 1-4, a case is taken as an example in which the user ID of the asset management service and the user ID of the electronic commerce service are the same (the user ID is common to the asset management service and the electronic commerce service), but these user IDs may be different from each other. In this case, the correspondence between these user IDs is managed by at least one of the asset management service and the electronic commerce service.

[0101] The asset management system 1 includes a user information transmission unit 109. The user information transmission unit 109 transmits user information about a user managed by the asset management service to other services such as an e-commerce service. In variant example 1-4, a case where the user information is a user ID is taken as an example. For example, in the state of the asset management screen SC1 at the bottom left of FIG. 2, when a user selects an e-commerce service from the modal M12, the user information transmission unit 109 transmits the user ID of the user to the e-commerce server 20.

[0102] In Variation 1-4, in other services such as an e-commerce service, a search is performed according to user information. For example, the e-commerce server 20 identifies the purchase history of the user associated with the user ID, which is the user information. It is assumed that data related to the purchase history is managed by the e-commerce server 20. When the user registers a desired purchase item in the wish list, the e-commerce server 20 searches for products or services that are candidates for the desired purchase item, taking into account the user's purchase history in the e-commerce service. For example, the e-commerce server 20 preferentially searches for at least one of products or services that the user has purchased in the past and stores that handle the products or services.

[0103] The price information acquisition unit 101 of the modified example 1-4 acquires price information of the desired purchase object searched for in a search according to user information from another service such as an electronic commerce service. Although it differs from the embodiment in that the user information is used in the search, the flow of acquiring price information of the product or service selected by the user from the search results as the price information of the desired purchase object may be the same as the embodiment.

[0104] The asset management system 1 of the modified example 1-4 obtains price information of the desired purchase items found by a search based on user information from other services such as an e-commerce service. This allows the asset management system 1 to obtain optimal price information for the user. As a result, the asset management system 1 can register the desired purchase items in which the user is particularly interested in the wish list.

[0105] [Variation 1-5] For example, a user may register text indicating the content of a wish in the wish list. Furthermore, based on the text registered in the wish list by the user, products or services that are candidates for purchase may be searched for in the e-commerce service. A user can register any text in the wish list. For example, a user can register a character string such as "I want to buy a high-end microwave" or "I want to go on a trip to Korea" as a wish in the wish list from any screen such as the asset management screen SC1.

[0106] The asset management server 10 of modification example 1-5 registers the user's wish list information in the asset management database DB1 so as to indicate the character string entered by the user as a wish. The asset management server 10 may register each of the multiple wishes entered by the user in the wish list. The asset management server 10 may delete a registered wish selected by the user from the wish list. The asset management server 10 may change a wish registered in the wish list based on a user operation.

[0107] The asset management system 1 includes a search process execution unit 110. The search process execution unit 110 executes a search process for searching for candidates for a desired purchase object based on a wish input by a user. The search process may be a search itself, but in the modified example 1-5, a case is taken as an example in which a process of generating a search query and a process of transmitting the search query to the electronic commerce server 20 correspond to the search process. For example, the search process execution unit 110 may generate a search query based on the wish input by the user. For example, the search process execution unit 110 may execute a morphological analysis of the wish input by the user, and obtain a search query based on the execution result of the morphological analysis. Only a noun may be used in the search query, or a noun and an adjective may be used.

[0108] In the case of the above-mentioned example of the wish list, the search processing execution unit 110 may obtain a search query such as "luxury microwave" from the wish "I want to buy a luxury microwave" or obtain a search query such as "trip to Korea" from the wish "I want to go on a trip to Korea". The search processing execution unit 110 may directly use the wish input by the user as a search query. The search processing execution unit 110 transmits the obtained search query to the electronic commerce server 20. Although the present embodiment differs from the embodiment in that the search query is automatically obtained, the method of executing the search and the flow after the search may be the same as the embodiment.

[0109] The method of acquiring the search query is not limited to the above example. The search processing execution unit 110 may acquire a search query corresponding to the wish based on a machine learning model such as a large-scale natural language model, instead of morphological analysis. For example, the search processing execution unit 110 inputs text indicating the user's wish to the machine learning model. The machine learning model calculates an embedded expression of the user's wish, and acquires a search query corresponding to the calculated embedded expression. The search processing execution unit 110 may acquire a search query output from the machine learning model.

[0110] The price information acquisition unit 101 in Modification Example 1-5 acquires price information of a desired purchase item selected by a user from among candidates searched for in the search process of the search process execution unit 110. This differs from the embodiment in that a search query is acquired automatically, but the flow in which a user selects a desired purchase item from the search results and the method of acquiring price information may be the same as in the embodiment.

[0111] The asset management system 1 of the modified example 1-5 executes a search process for searching for candidates for a desired purchase item based on a wish input by a user. The asset management system 1 acquires price information for the desired purchase item selected by the user from among the candidates. This allows the asset management system 1 to execute a search process for candidates for a desired purchase item based on any wish input by the user, thereby saving the user the trouble of accessing an e-commerce service and inputting a search query. For example, the user can input a wish for the future in concrete terms, making it easier for the asset management system 1 to help the user grasp future goals. As a result, the asset management system 1 can increase the user's motivation to save.

[0112] [Variation 1-6] For example, in Modification 1-5, the search processing execution unit 110 may execute a search process by requesting each of a plurality of other services other than the asset management service to search for candidates for the desired purchase item based on the wish input by the user. The method in which the search processing execution unit 110 acquires a search query based on the wish may be similar to that of Modification 1-5. The search processing execution unit 110 transmits a search query to each of the plurality of other services. Each of the plurality of other services executes a search process based on the search query acquired from the asset management server 10, and transmits data indicating the search result to the asset management server 10 or the user terminal 30.

[0113] Each of the multiple other services may be any service that cooperates with the asset management service. In Modification Example 1-6, in addition to the electronic commerce service described in the embodiment, an online supermarket service corresponds to the other service. Each of the multiple other services to which the search query is sent is assumed to be predetermined. Furthermore, it is assumed that the user inputs "eat yogurt" as a wish. In this case, the search process execution unit 110 performs morphological analysis of the wish "eat yogurt" and obtains the search query "yogurt", which is the noun part.

[0114] For example, the search processing execution unit 110 sends the search query "yogurt" to each of the e-commerce service and the online supermarket service. Each of the e-commerce service and the online supermarket service sends data indicating products or services that match the search query "yogurt" as candidates for items desired to be purchased to the asset management server 10 or the user terminal 30. The user terminal 30 acquires the data via the asset management server 10 as necessary, and displays the candidates that were found in the searches of each of the e-commerce service and the online supermarket service. That is, the user terminal 30 displays a mixture of candidates that were found in the e-commerce service and candidates that were found in the online supermarket service. The user can select any candidate.

[0115] The price information acquisition unit 101 in variant 1-6 acquires price information of the desired purchase item selected by the user from among the candidates searched for in each of the multiple other services. Although it differs from the embodiment in that a search is executed in each of the multiple other services, the flow in which the user selects the desired purchase item from the search results and the method of acquiring price information may be similar to the embodiment. For example, when the user selects a candidate for an e-commerce service, the price information acquisition unit 101 acquires price information managed by the e-commerce service. When the user selects a candidate for an online supermarket service, the price information acquisition unit 101 acquires price information managed by the online supermarket service.

[0116] The asset management system 1 of variant 1-6 executes a search process by requesting each of a plurality of other services other than the asset management service to search for candidates based on a wish input by a user. The asset management system 1 acquires price information of a desired purchase item selected by the user from among the candidates searched for in each of the plurality of other services. The asset management system 1 can increase the variety of products or services that the user can select as a desired purchase item. As a result, the user can select a product or service that will increase their desire to save as a desired purchase item, and the asset management system 1 can effectively increase the user's desire to save.

[0117] [Variation 1-7] For example, a desired purchase object registered in a wish list may be managed as a task of the user. The task is an issue for the user to purchase the desired purchase object. When the user purchases the desired purchase object, the task is accomplished. The user aims to accomplish the task by managing his / her own assets with an asset management app. When the user registers multiple desired purchase objects in the wish list, multiple tasks are set. The asset management system 1 of variant example 1-7 includes a task management unit 111 and an achievement process execution unit 112.

[0118] The task management unit 111 manages the purchase of a desired purchase item as a task of the user in the asset management service. For example, the task management unit 111 manages the user's tasks by including task completion information indicating whether the user has completed the task in the wish list information. The task management unit 111 may manage the user's tasks by including information indicating the content of the task in the wish list information.

[0119] FIG. 13 is a diagram showing an example of how tasks are managed on the asset management screen SC1. For example, the display control unit 103 causes the asset management screen SC1 to display a button B16 for the user to select whether or not the user has completed the task. When the user completes the task, the user selects the button B16. Completion of the task may be determined by any method. For example, when the asset management server 10 receives data from the electronic commerce server 20 indicating that the user has purchased a desired purchase item that the user has set as a task, the asset management server 10 may determine that the user has completed the task.

[0120] When the user achieves a task, the achievement process execution unit 112 executes a task achievement process related to the achievement of the task. The task achievement process is a process that is executed when the user achieves a task. For example, the achievement process execution unit 112 executes the task achievement process by displaying a message M17 indicating that the user has achieved the task, as shown in the lower part of Fig. 13. The achievement process execution unit 112 may execute the task achievement process by displaying an image other than the message M17.

[0121] The task accomplishment process is not limited to the above example. The task accomplishment process may be any process that is triggered by the accomplishment of a task. For example, the accomplishment process execution unit 112 may execute the task accomplishment process by giving the user a reward (e.g., points or a coupon) according to the task that the user has accomplished. The accomplishment process execution unit 112 may execute the task accomplishment process by requesting a service other than the asset management service to display a message M17 indicating that the user has accomplished a task on the screen of the other service.

[0122] The asset management system 1 of variant 1-7 manages the purchase of a desired item as a task for a user in an asset management service. When the user accomplishes the task, the asset management system 1 executes a task accomplishment process related to the accomplishment of the task. In this way, the asset management system 1 can effectively increase the user's motivation to save through the task. For example, the user has an easy-to-understand goal of accomplishing the task, so the user's motivation to save is effectively increased.

[0123] [3-2. Modification of the second embodiment] Next, a modification of the second embodiment will be described.

[0124] 14 is a diagram showing an example of functions realized in a modified example of the second embodiment. For example, the asset management server 10 includes a priority setting unit 105, a search process execution unit 110, a task management unit 111, an achievement process execution unit 112, an asset increase information acquisition unit 113, a user attribute information acquisition unit 114, and a coupon information acquisition unit 115. Each of the priority setting unit 105, the search process execution unit 110, the task management unit 111, the achievement process execution unit 112, the asset increase information acquisition unit 113, the user attribute information acquisition unit 114, and the coupon information acquisition unit 115 is realized by the control unit 11.

[0125] [Variation 2-1] For example, the asset management system 1 of variant 2-1 includes an available amount information acquisition unit 102. The available amount information acquisition unit 102 may be the same as that of the first embodiment, but the asset management database DB1 of variant 2-1 stores a history of available amount information in the past. That is, the history of available amount information at each of multiple points in time in the past is stored in the asset management data. The available amount information acquisition unit 102 acquires available amount information at each of multiple points in the past. The available amount information of variant 2-1 may be a value obtained by subtracting expenses from the user's assets.

[0126] The future prediction information acquisition unit 104 of the modification 2-1 acquires future prediction information based on past fluctuations in the available amount information. For example, the future prediction information acquisition unit 104 predicts the available amount at each of multiple time points in the future based on past fluctuations in the available amount information to acquire the available amount information. In the modification 2-1, the future prediction information acquisition unit 104 calculates the average value of fluctuations in the available amount information over the entire past period as a predicted value of future fluctuations in the available amount information. The future prediction information acquisition unit 104 may calculate the predicted value of future fluctuations in the available amount information based on a predetermined calculation formula instead of the average value.

[0127] For example, the future prediction information acquisition unit 104 acquires an average value of fluctuations in the available amount information in the past as the fluctuation of the available amount information per unit time. The future prediction information acquisition unit 104 calculates the amount of fluctuation in the available amount by multiplying the time difference between the present time and a future time by the fluctuation of the available amount information per unit time. The future prediction information acquisition unit 104 acquires future prediction information by adding the calculated amount of fluctuation to the available amount information at the present time. The future prediction information acquisition unit 104 acquires available amount information at each of multiple time points in the future by a similar calculation. The display control unit 103 causes the user terminal 30 to display purchase available time information I15 based on the acquired available amount information.

[0128] The asset management system 1 of the modification 2-1 obtains future prediction information based on the fluctuation of the available amount information in the past, which allows the asset management system 1 to accurately estimate the time when the purchase will be possible based on the past trends.

[0129] [Variation 2-2] For example, the future prediction information acquisition unit 104 may acquire future prediction information based on a change in available amount information in the most recent period in the past. The most recent period is a period from a point a predetermined time before the current time to the current time. The length of the most recent period may be any length. For example, the length of the most recent period may be about one month to three months, or may be longer or shorter. The user may be allowed to specify the length of the most recent period. In the modification 2-2, the future prediction information acquisition unit 104 acquires future prediction information based on a change in available amount information in the most recent period when the user logs in to the asset management service. The period referred to for acquiring the future prediction information is different from that of the modification 2-1, but the method of acquiring the future prediction information may be the same as that of the modification 2-1.

[0130] The asset management system 1 of the modification 2-2 obtains future prediction information based on the fluctuation of the available amount information in the most recent period in the past. This allows the asset management system 1 to obtain accurate future prediction information according to the most recent trend.

[0131] [Variation 2-3] For example, the future prediction information acquisition unit 104 may acquire future prediction information according to a time period in future prediction. In the modified example 2-3, a future time period and a fluctuation in assets due to an event occurring at that time period are associated with each other in advance and stored in the data storage unit 100. The event may be anything that causes a fluctuation in assets. For example, the event may be a monthly payday, a deduction date for credit card or utility bills, a bonus day, or other events.

[0132] The future prediction information acquisition unit 104 may acquire future prediction information based on the fluctuation of assets associated with the occurrence time of an event even between the time when the user logs in to the asset management service and a future time. For example, if the time targeted by the future prediction information is a payday or its vicinity, the future prediction information acquisition unit 104 increases the amount indicated by the future prediction information by the predicted amount of the user's salary. If the time targeted by the future prediction information is a deduction date for a credit card or its vicinity, the future prediction information acquisition unit 104 decreases the amount indicated by the future prediction information by the predicted amount of the deduction. If the time targeted by the future prediction information is a bonus day or its vicinity, the future prediction information acquisition unit 104 increases the amount indicated by the future prediction information by the predicted amount of the user's bonus. The predicted amount of the salary or bonus may be calculated from past trends or may be specified in advance.

[0133] The user may be allowed to select whether or not to consider asset fluctuations according to the time when an event will occur in the future. In this case, if the user desires to consider asset fluctuations according to the time when an event will occur in the future, the future prediction information acquisition unit 104 may acquire future prediction information that considers asset fluctuations according to the time when an event will occur in the future. If the user does not desire to consider asset fluctuations according to the time when an event will occur in the future, the future prediction information acquisition unit 104 acquires future prediction information in the same manner as in the second embodiment.

[0134] The asset management system 1 of the modification 2-3 acquires future prediction information according to the time of future prediction. This allows the asset management system 1 to acquire future prediction information taking into account circumstances specific to a future time.

[0135] [Variation 2-4] For example, future asset fluctuations may be manually input by the user, rather than being predicted from past trends. The asset management server 10 of variant 2-4 includes an asset increase information acquisition unit 113. The asset increase information acquisition unit 113 acquires asset increase information relating to the increase in assets input by the user. The asset increase information indicates the amount of future asset increase. As in the first embodiment, variant 2-4 takes as an example a case in which the user inputs the pace of future savings. Therefore, the asset increase information acquisition unit 113 may acquire the pace of savings input by the user as asset increase information.

[0136] The future prediction information acquisition unit 104 of the modified example 2-4 may acquire future prediction information based on asset increase information. For example, the future prediction information acquisition unit 104 may calculate a predicted value of the available amount at each of a plurality of points in time by adding an amount according to the length of time between the present time and each of a plurality of points in the future and the increase amount indicated by the future prediction information to the available amount indicated by the available amount information. Although the method of acquiring the future prediction information by the future prediction information acquisition unit 104 is different from that of the second embodiment, the processing of the display control unit 103 after the future prediction information is acquired may be similar to that of the second embodiment.

[0137] The asset management system 1 of the modification 2-4 acquires future prediction information based on asset increase information regarding an increase in assets input by a user. This enables the asset management system 1 to improve the prediction accuracy of the future prediction information.

[0138] [Variation 2-5] For example, the pace at which a user saves in the future may be similar to the pace at which other similar users save. Therefore, whether users are similar to each other can be estimated based on the attributes of the users, and future prediction information may be obtained based on the attributes of the users.

[0139] The asset management system 1 of the modified example 2-5 includes a user attribute information acquisition unit 114. The user attribute information acquisition unit 114 acquires user attribute information that acquires user attribute information related to the attributes of the user. The user attributes may be information that allows users to be classified from some viewpoint. For example, the user attributes may be demographic information such as the user's occupation, age group, or gender, or may be the user's rank in an e-commerce service or the like. The user attributes may be the user's annual income range. The user attributes may be classified based on purchase information in the e-commerce service. For example, collaborative filtering may be performed so that users with similar purchase information belong to the same attribute.

[0140] In the modified example 2-5, it is assumed that user attribute information is stored in the asset management database DB1. Furthermore, it is assumed that the user attribute information is demographic information of the user. The user attribute information acquisition unit 114 acquires the user attribute information of the user from the asset management database DB1. When the user attribute information is stored in a database other than the asset management database DB1, the user attribute information acquisition unit 114 acquires the user attribute information of the user from the other database. When the user attribute information is stored in a computer or an external information storage medium other than the asset management server 10, the user attribute information acquisition unit 114 acquires the user attribute information of the user from the other computer or the external information storage medium.

[0141] The future prediction information acquisition unit 104 of the modified example 2-5 acquires future prediction information based on the user attribute information. For example, the data storage unit is assumed to store data in advance that defines the future increase in assets for each attribute indicated by the user attribute information. When demographic information such as the user's occupation corresponds to the user attribute information, the data indicates the future increase in assets for each demographic information such as the user's occupation. The future prediction information acquisition unit 104 acquires future prediction information based on the increase associated with the user attribute information. In the second embodiment, the case where the user manually inputs the pace of savings is taken as an example, but according to the modified example 2-5, the future prediction information acquisition unit 104 can acquire future prediction information without the need for manual input by the user.

[0142] The asset management system 1 of the modified example 2-5 acquires future prediction information based on user attribute information, thereby enabling the asset management system 1 to improve the prediction accuracy of the future prediction information.

[0143] [Variation 2-6] For example, a desired purchase item may have a designated purchase period during which the desired purchase item can be purchased. If a limited-time product corresponds to the desired purchase item, the purchase period corresponds to the period during which the user can purchase the product. If a travel product with a limited reservation period corresponds to the desired purchase item, the purchase period corresponds to the period during which the user can reserve the travel product. The purchase period is managed by another service, such as an e-commerce service. The purchase period may also be another period, such as a sale period.

[0144] In Variation 2-6, when a user registers a desired purchase item with a purchase availability time set in the wish list, the display control unit 103 controls the display on the user terminal 30 based on the purchase availability time indicated by the purchase availability time information I15 and the purchase availability time set for the desired purchase item. For example, the asset management server 10 obtains information on the purchase availability time together with price information from the e-commerce server 20. The asset management server 10 updates the wish list information to indicate the purchase availability time.

[0145] For example, the display control unit 103 may display the purchase possible time set for the desired purchase target on the asset management screen SC1. When the purchase possible time calculated based on the available amount (the time when the user's available amount becomes equal to or greater than the price of the desired purchase target) is later than the purchase possible time set for the desired purchase target, the display control unit 103 may display a message to that effect on the asset management screen SC1. The display control unit 103 may display the pace of savings required for the purchase possible time calculated based on the available amount to come before the purchase possible time set for the desired purchase target on the asset management screen SC1.

[0146] The asset management system 1 of the modified example 2-6 controls the display on the user terminal 30 based on the purchase available time indicated by the purchase available time information I15 and the purchase available time set for the desired purchase object. The asset management system 1 can provide the user with an incentive to purchase the desired purchase object within the purchase available time set for the desired purchase object.

[0147] [Variation 2-7] For example, a user may be able to use a discount coupon when purchasing the desired product. In this case, if the user applies the coupon when purchasing the desired product, the time when the product can be purchased may be brought forward. Therefore, the purchase time information I15 may be displayed taking into consideration the coupons that the user can use when purchasing the desired product. The coupon indicates a discount rate or a discount amount.

[0148] The asset management system 1 of the modified example 2-7 includes a coupon information acquisition unit 115. The coupon information acquisition unit 115 acquires coupon information related to coupons that the user can use to purchase the desired purchase item. For example, the coupon information acquisition unit 115 acquires the coupon information from another service such as the electronic commerce server 20. The coupon information acquisition unit 115 may store the coupon information in the asset management database DB1. The coupon information acquisition unit 115 can acquire the coupon information stored in the asset management database DB1 at any timing.

[0149] The display control unit 103 in modification 2-7 causes the user terminal 30 to display purchase possible time information I15 further based on the coupon information. For example, the display control unit 103 reduces the price indicated by the price information based on the coupon information, and then acquires the purchase possible time information I15. The display control unit 103 calculates the price after the coupon is applied based on the price indicated by the price information and the discount rate or discount amount of the coupon, and acquires the purchase possible time information I15. The price referenced when calculating the purchase possible time is different from that of the second embodiment, but other points are similar to those of the second embodiment.

[0150] The asset management system 1 of the modified example 2-7 displays the purchase available time information I15 on the user terminal 30 based on the coupon information. This allows the asset management system 1 to accurately calculate the purchase available time. The asset management system 1 can encourage users to use coupons.

[0151] [Variation 2-8] For example, the asset management system 1 of the second embodiment may be combined with all or part of the configuration of the modified example of the first embodiment. In modified example 2-8, as in modified example 1-1, the user registers each of a plurality of items desired to be purchased in a wish list. The price information acquisition unit 101 in modified example 2-8 acquires price information for each of the plurality of items desired to be purchased. The processing of the price information acquisition unit 101 is as described in modified example 1-1.

[0152] FIG. 15 is a diagram showing an example of an asset management screen SC1 in Modification 2-8. The display control unit 103 in Modification 2-8 causes the user terminal 30 to display purchase availability time information I15 for each of the multiple desired purchase objects based on the price information and future prediction information for each of the multiple desired purchase objects. The display control unit 103 calculates the purchase availability time for each of the multiple desired purchase objects based on the price information and future prediction information for each of the multiple desired purchase objects to obtain the purchase availability time information I15. The process by which the display control unit 103 calculates the purchase availability time for each desired purchase object may be similar to the calculation described in the second embodiment.

[0153] In the example of FIG. 15, it is assumed that the user saves at a rate of 20,000 yen per month. It is assumed that the available amount at the present time is 40,000 yen. Since the price of product E is 30,000 yen, the display control unit 103 displays the purchase availability information I15 indicating that product E can be purchased at the present time on the asset management screen SC1. Since the price of product F is 60,000 yen, the display control unit 103 displays the purchase availability information I15 indicating that product F can be purchased in one more month on the asset management screen SC1. Since the price of product G is 80,000 yen, the display control unit 103 displays the purchase availability information I15 indicating that product G can be purchased in two more months on the asset management screen SC1. Since the price of product H is 100,000 yen, the display control unit 103 displays the purchase availability information I15 indicating that product H can be purchased in three more months on the asset management screen SC1.

[0154] The asset management system 1 of modification 2-8 displays purchase availability information I15 for each of a plurality of desired purchase objects on the user terminal 30 based on price information for each of a plurality of desired purchase objects and future forecast information. The asset management system 1 presents the user with an easy-to-understand goal of purchasing as many desired purchase objects as possible, and can effectively increase the user's motivation to save.

[0155] [Variation 2-9] For example, in the second embodiment, as in Modification 1-2, the asset management system 1 may include a priority setting unit 105. The processing of the priority setting unit 105 is as described in Modification 1-2. The display control unit 103 in Modification 2-9 causes the user terminal 30 to display purchase availability information I15 for each of the multiple desired purchase objects, further based on the priority of at least one of the multiple desired purchase objects.

[0156] For example, when arranging the purchase availability information I15 from top to bottom, the display control unit 103 arranges the purchase availability information I15 of each of the multiple desired purchase objects such that the higher the priority of the desired purchase object, the higher the position of the purchase availability information I15 of that desired purchase object. In other words, the display control unit 103 arranges the purchase availability information I15 of each of the multiple desired purchase objects such that the purchase availability information I15 of the desired purchase object with a relatively high priority is relatively higher.

[0157] For example, an example of products E to H similar to that of modification example 2-8 will be described. It is assumed that the user has set the highest priority for product H among products E to H. It is assumed that the user has not set priorities for products E to G. In this case, the display control unit 103 causes the user terminal 30 to display the purchase availability information I15 for each of products E to H in a line such that the purchase availability information I15 for product H is placed at the top. The purchase availability information I15 for each of products E to G for which no priority has been set may be arranged under the predetermined sorting conditions described in modification example 1-1 after the purchase availability information I15 for product H.

[0158] The order of the purchase availability information I15 is not limited to top to bottom. The display control unit 103 may arrange the purchase availability information I15 of each of the multiple purchase desired objects from left to right, right to left, or bottom to top. In this case, the higher the priority of the purchase desired object, the further to the left, right, or bottom it is placed. The display control unit 103 may cause the user terminal 30 to display only the purchase availability information I15 of the purchase desired object with a relatively high priority among the multiple purchase desired objects.

[0159] The asset management system 1 of modification 2-9 displays the purchase availability information I15 of each of the multiple purchase desired objects on the user terminal 30, further based on the priority order of at least one of the multiple purchase desired objects. The asset management system 1 can display the purchase availability information I15 according to the priority order on the user terminal 30, thereby improving user convenience. For example, it becomes easier for the user to check the purchase availability information I15 with a relatively high priority order.

[0160] [Variation 2-10] For example, in the second embodiment, as in Modification 1-5, the asset management system 1 may include a search process execution unit 110. The search process execution unit 110 executes a search process for searching for candidates for a desired purchase item based on a wish input by a user. The price information acquisition unit 101 acquires price information for the desired purchase item selected by the user from among the candidates. The processing of the search process execution unit 110 and the price information acquisition unit 101 is as described in Modification 1-5. The display control unit 103 in Modification 2-10 causes the user terminal 30 to display purchase availability time information I15 based on the price information acquired by the price information acquisition unit 101 in the same manner as in Modification 1-5.

[0161] The asset management system 1 of the modified example 2-10 executes a search process for searching for candidates for a desired purchase item based on a wish input by a user. The asset management system 1 acquires price information for the desired purchase item selected by the user from among the candidates. This allows the asset management system 1 to execute a search process for candidates for a desired purchase item based on any wish input by the user, thereby saving the user the trouble of accessing an e-commerce service and inputting a search query. For example, the user can input a wish for the future in concrete terms, making it easier for the asset management system 1 to help the user grasp future goals. As a result, the asset management system 1 can increase the user's motivation to save.

[0162] [Variation 2-11] For example, in the second embodiment, the purchase desired object registered in the wish list may be managed as a task of the user, as in the modified example 1-7. The asset management system 1 of the modified example 2-11 includes a task management unit 111 and an achievement process execution unit 112. The task management unit 111 manages the purchase of the purchase desired object as a task of the user in the asset management service. When the user achieves the task, the achievement process execution unit 112 executes a task achievement process related to the achievement of the task. The processing of the task management unit 111 and the achievement process execution unit 112 is as described in the modified example 1-7. For example, the button B16 of FIG. 13 may be arranged in the purchase possible time information I15, and when the user selects the button B16, it may be determined that the user has achieved the task.

[0163] The asset management system 1 of variant 2-11 manages the purchase of a desired item as a task for a user in an asset management service. When the user accomplishes the task, the asset management system 1 executes a task accomplishment process related to the accomplishment of the task. In this way, the asset management system 1 can effectively increase the user's motivation to save through the task. For example, the user has an easy-to-understand goal of accomplishing the task, so the user's motivation to save is effectively increased.

[0164] [3-3. Other Modifications] For example, the above modifications may be combined.

[0165] For example, the functions described as being realized by the asset management server 10 may be realized by the electronic commerce server 20 or the user terminal 30. The processes described as being realized by the asset management server 10 may be shared among multiple computers.

[0166] [4. Notes] For example, the asset management system of the first embodiment can also be configured as follows. (1-1) A price information acquisition unit that acquires price information regarding a price of a product or service that a user wishes to purchase; an available amount information acquisition unit that acquires available amount information regarding an amount that the user can use to purchase the desired purchase item among the assets managed by an asset management service that manages the assets of the user; a display control unit that displays, on a user terminal of the user, purchase availability information regarding the purchase availability of the desired purchase item based on the price information and the available amount information; Asset management systems, including: (1-2) The display control unit is determining whether or not the desired purchase item can be purchased based on the price information and the available amount information; When it is determined that the purchase of the desired item is not possible, the purchase possibility information indicating the shortfall in the amount required for the purchase of the desired item is displayed on the user terminal. The asset management system according to (1-1). (1-3) the price information acquisition unit acquires the price information for each of the plurality of purchase desired objects; the display control unit causes the user terminal to display the purchase availability information of each of the plurality of purchase desired objects based on the price information of each of the plurality of purchase desired objects and the available amount information. The asset management system according to (1-1) or (1-2). (1-4) The asset management system further includes a priority order setting unit that sets priorities of at least some of the plurality of desired purchase objects; the display control unit causes the user terminal to display the purchase availability information of each of the plurality of purchase desired objects based on the priority order of at least a part of the plurality of purchase desired objects. The asset management system according to (1-3). (1-5) The asset management system includes: a current asset information acquiring unit for acquiring current asset information relating to the current asset; an expenditure information acquisition unit that acquires expenditure information relating to the user's expenditure; an estimated savings information acquiring unit for acquiring estimated savings information relating to estimated savings; Further comprising: the available amount information acquisition unit acquires the available amount information based on the current asset information, the expenditure information, and the expected savings information; An asset management system according to any one of (1-1) to (1-4). (1-6) the price information acquisition unit acquires, from another service different from the asset management service, the price information of the purchase request object selected by the user in the other service; An asset management system according to any one of (1-1) to (1-5). (1-7) The asset management system further includes a user information transmission unit that transmits user information regarding the user managed by the asset management service to the other service. In the other service, a search is performed according to the user information, the price information acquisition unit acquires, from the other service, the price information of the desired purchase item searched for in the search according to the user information; The asset management system according to (1-6). (1-8) The asset management system further includes a search process execution unit that executes a search process for searching for candidates of the desired purchase items based on the request input by the user, the price information acquisition unit acquires the price information of the item desired to be purchased selected by the user from among the candidates; An asset management system according to any one of (1-1) to (1-7). (1-9) the search process execution unit executes the search process by requesting a search for the candidates to each of a plurality of other services different from the asset management service based on the request; the price information acquisition unit acquires the price information of the item desired to be purchased selected by the user from the candidates searched for in each of the plurality of other services. The asset management system according to (1-8). (1-10) The asset management system includes: a task management unit that manages the purchase of the desired purchase item as a task of the user in the asset management service; an achievement process execution unit that executes a task achievement process related to the achievement of the task when the user achieves the task; The asset management system according to any one of (1-1) to (1-9), further comprising:

[0167] For example, the asset management system of the second embodiment can also be configured as follows. (2-1) A price information acquisition unit that acquires price information regarding a price of a product or service that a user wishes to purchase; a future prediction information acquisition unit that acquires future prediction information regarding a future prediction of an amount that the user can use to purchase the desired purchase item among the assets managed by an asset management service that manages the assets of the user; a display control unit that displays, on a user terminal of the user, purchase availability information regarding a purchase availability period when the desired purchase item can be purchased based on the price information and the future prediction information; Asset management systems, including: (2-2) The asset management system further includes an available amount information acquisition unit that acquires available amount information regarding an amount available to the user for purchasing the desired purchase item among the assets, the future prediction information acquisition unit acquires the future prediction information based on a fluctuation in the available credit amount information in the past; The asset management system described in (2-1). (2-3) the future prediction information acquisition unit acquires the future prediction information based on a fluctuation in the available credit amount information in a most recent period in the past; The asset management system described in (2-2). (2-4) the future prediction information acquisition unit acquires the future prediction information according to a time period in the future prediction; An asset management system according to any one of (2-1) to (2-3). (2-5) The asset management system further includes an asset increase information acquisition unit that acquires asset increase information regarding the increase in the assets input by the user, The future prediction information acquisition unit acquires the future prediction information based on the asset increase information. An asset management system according to any one of (2-1) to (2-4). (2-6) The asset management system further includes a user attribute information acquisition unit that acquires user attribute information related to attributes of the user, The future prediction information acquisition unit acquires the future prediction information based on the user attribute information. An asset management system according to any one of (2-1) to (2-5). (2-7) A purchase availability period during which the desired purchase item can be purchased is set for the desired purchase item, the display control unit controls a display on the user terminal based on the purchase available time indicated by the purchase available time information and the purchase available time set for the desired purchase item. An asset management system according to any one of (2-1) to (2-6). (2-8) The asset management system further includes a coupon information acquisition unit that acquires coupon information regarding a coupon that the user can use in purchasing the desired purchase item, The display control unit causes the user terminal to display the purchase available time information based on the coupon information. An asset management system according to any one of (2-1) to (2-7). (2-9) the price information acquisition unit acquires the price information for each of the plurality of purchase desired objects; the display control unit causes the user terminal to display the purchase availability information of each of the plurality of purchase desired objects based on the price information of each of the plurality of purchase desired objects and the future prediction information; An asset management system according to any one of (2-1) to (2-8). (2-10) the asset management system further includes a priority order setting unit that sets a priority order for each of the plurality of purchase request objects; the display control unit causes the user terminal to display the purchase availability information of each of the plurality of purchase desired objects further based on the priority order of each of the plurality of purchase desired objects. The asset management system described in (2-9). (2-11) The asset management system further includes a search process execution unit that executes a search process for searching for candidates of the desired purchase items based on the request input by the user, the price information acquisition unit acquires the price information of the item desired to be purchased selected by the user from among the candidates; An asset management system according to any one of (2-1) to (2-10). (2-12) The asset management system includes: a task management unit that manages the purchase of the desired purchase item as a task of the user in the asset management service; an achievement process execution unit that executes a task achievement process related to the achievement of the task when the user achieves the task; An asset management system according to any one of (2-1) to (2-11). [Explanation of symbols]

[0168] 1 Asset management system, N network, 10 asset management server, 11, 21, 31 control unit, 12, 22, 32 memory unit, 13, 23, 33 communication unit, 20 electronic commerce server, 30 user terminal, 34 operation unit, 35 display unit, 100 data storage unit, 101 price information acquisition unit, 102 available amount information acquisition unit, 103 display control unit, 104 future forecast information acquisition unit, 105 priority setting unit, 106 current asset information acquisition unit, 107 expenditure information acquisition unit, 108 expected savings information acquisition unit, 109 user information transmission unit, 110 search processing execution unit, 111 task management unit, 112 achievement processing execution unit, 113 asset increase information acquisition unit, 114 user attribute information acquisition unit, 115 coupon information acquisition unit, 200 data storage unit, 201 search processing execution unit, 300 Data storage unit, 301 operation reception unit, 302 display control unit, B10, B11, B13, B16 buttons, DB1 asset management database, DB2 price database, I14 purchase availability information, I15 purchase availability information, M12 modal, M17 message, SC1 asset management screen.

Claims

1. A registration unit that registers sentences indicating the contents of each of a plurality of wishes input by a user into a wish list; a search processing execution unit that, for each of the wishes registered in the wish list, obtains a search query by performing a morphological analysis on the sentence indicating the wish or inputting the sentence indicating the wish into a large-scale language model, and executes a search process for searching for candidates for a purchase request, which is a product or service that the user wishes to purchase, based on the search query; a price information acquisition unit that acquires price information regarding the price of the desired purchase item selected by the user from among the candidates; a future prediction information acquisition unit that acquires future prediction information regarding a future prediction of an amount that the user can use to purchase the desired purchase item among the assets managed by an asset management service that manages the assets of the user; a display control unit that displays, on a user terminal of the user, purchase availability information regarding a purchase availability period when the desired purchase item can be purchased based on the price information and the future prediction information; Asset management systems, including:

2. The asset management system further includes an available amount information acquisition unit that acquires available amount information regarding an amount available to the user for purchasing the desired purchase item among the assets, the future prediction information acquisition unit acquires the future prediction information based on a fluctuation in the available credit amount information in the past; The asset management system of claim 1 .

3. the future prediction information acquisition unit acquires the future prediction information based on a fluctuation in the available credit amount information in a most recent period in the past; The asset management system according to claim 2.

4. the future prediction information acquisition unit acquires the future prediction information according to a time period in the future prediction; 4. The asset management system according to claim 1.

5. The asset management system further includes an asset increase information acquisition unit that acquires asset increase information regarding the increase in the assets input by the user, The future prediction information acquisition unit acquires the future prediction information based on the asset increase information.

4. The asset management system according to claim 1.

6. The asset management system further includes a user attribute information acquisition unit that acquires user attribute information related to attributes of the user, The future prediction information acquisition unit acquires the future prediction information based on the user attribute information.

4. The asset management system according to claim 1.

7. A purchase availability period during which the desired purchase item can be purchased is set for the desired purchase item, the display control unit controls a display on the user terminal based on the purchase available time indicated by the purchase available time information and the purchase available time set for the desired purchase item.

4. The asset management system according to claim 1.

8. The asset management system further includes a coupon information acquisition unit that acquires coupon information regarding a coupon that the user can use in purchasing the desired purchase item, The display control unit causes the user terminal to display the purchase available time information further based on the coupon information.

4. The asset management system according to claim 1.

9. the price information acquisition unit acquires the price information for each of the plurality of purchase desired objects; the display control unit causes the user terminal to display the purchase availability information of each of the plurality of purchase desired objects based on the price information of each of the plurality of purchase desired objects and the future prediction information; 4. The asset management system according to claim 1.

10. the asset management system further includes a priority order setting unit that sets a priority order for at least one of the plurality of purchase request objects; the display control unit causes the user terminal to display the purchase availability information of each of the plurality of purchase desired objects based on the priority order of at least one of the plurality of purchase desired objects. The asset management system according to claim 9.

11. The asset management system includes: a task management unit that manages the purchase of the desired purchase item as a task of the user in the asset management service; an achievement process execution unit that executes a task achievement process related to the achievement of the task when the user achieves the task; 4. The asset management system according to claim 1, further comprising:

12. A computer comprising: a registration step of registering a sentence indicating the content of each of the plurality of wishes input by the user in a wish list; a search processing execution step of acquiring a search query for each of the wishes registered in the wish list by performing a morphological analysis on the sentence indicating the wish or inputting the sentence indicating the wish into a large-scale language model, and executing a search processing for searching for candidates for a purchase request object, which is a product or service that the user wishes to purchase, based on the search query; a price information acquisition step of acquiring price information regarding the price of the desired purchase item selected by the user from among the candidates; a future prediction information acquisition step of acquiring future prediction information regarding a future prediction of an amount of the assets that the user can use to purchase the desired purchase item among the assets managed by an asset management service that manages the assets of the user; a display control step of displaying, on a user terminal of the user, purchase available time information regarding a purchase available time when the desired purchase item can be purchased, based on the price information and the future prediction information; An asset management method that performs the above.

13. A registration unit that registers sentences indicating the contents of each of a plurality of wishes input by a user into a wish list; a search processing execution unit that acquires a search query by performing a morphological analysis on the sentence indicating each of the wishes registered in the wish list or inputting the sentence indicating each of the wishes into a large-scale language model, and executes a search process for searching for candidates for a purchase desired object, which is a product or service that the user wishes to purchase, based on the search query; a price information acquisition unit that acquires price information regarding the price of the desired purchase item selected by the user from among the candidates; a future prediction information acquisition unit that acquires future prediction information regarding a future prediction of an amount that the user can use to purchase the desired purchase item among the assets managed by an asset management service that manages the assets of the user; a display control unit that displays, on a user terminal of the user, purchase available time information regarding a purchase available time when the desired purchase item can be purchased, based on the price information and the future prediction information; A program that makes a computer function as a

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