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

Abstract

An information processing device (1) is provided with a collection unit (31), an acquisition unit (32), and a proposal unit (34). The collection unit (31) collects balance information (42) concerning the balance of a user. The acquisition unit (32) acquires promise information (44) in which the user has made promise, regarding the balance, to a virtual agent (AG) displayed in a display unit of a user terminal (100) possessed by the user. The proposal unit (34) proposes, to the user, predetermined proposal information concerning the balance on the basis of the balance information (42) and the promise information (44).

Description

[Technical field]

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

[0002] Conventionally, for example, information processing devices that provide a household accounting application (hereinafter, household accounting app) that manages the income and expenditure of a user are known. In such a household accounting app, there is a technique for providing advice on income and expenditure to a user based on the history of the user's income and expenditure (for example, see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2018-63536 A Summary of the Invention [Problem to be solved by the invention]

[0004] However, the conventional technology only provides uniform advice based on income and expenditure history and general statistical data, and there is a risk that the user will not accept the advice, for example, when the advice is given for an expense that the user cannot save on. In addition, even if the advice is not accepted, the same advice may be given the following month. Thus, there was room for improvement in the conventional technology in terms of providing more appropriate advice to users.

[0005] Therefore, the present disclosure proposes an information processing device, an information processing method, and an information processing program that can provide more appropriate suggestions to a user. [Means for solving the problem]

[0006] In order to solve the above-mentioned problems, an information processing apparatus according to an embodiment of the present disclosure includes a collection unit, an acquisition unit, and a proposal unit.Ren do , including income and expenditure The acquisition unit acquires income and expenditure information from the user with respect to the virtual subject displayed on the display unit of the terminal device carried by the user. Save money The proposal unit acquires the promise information. Based on the above, it is determined that there is an expenditure equal to or greater than the threshold, and Based on the promise information If it is determined that the promise has not been kept, Regarding the above balance to encourage savings Suggestion information is suggested to the user. [Brief description of the drawings]

[0007] [Figure 1] FIG. 1 is a diagram showing an overview of an information processing method according to an embodiment. [Diagram 2] FIG. 1 is a diagram illustrating an example of a configuration of an information processing system according to an embodiment. [Diagram 3] FIG. 2 is a block diagram showing a configuration example of a user terminal according to the embodiment. [Figure 4] 1 is a block diagram showing an example of the configuration of an information processing device according to an embodiment; [Diagram 5] FIG. 11 is a diagram illustrating an example of attribute information. [Figure 6] FIG. 11 is a diagram showing an example of income / expense information. [Figure 7] FIG. 13 is a diagram showing an example of promise information. [Figure 8] FIG. 11 is a diagram showing an example of personality information. [Figure 9] FIG. 4 is a diagram showing an example of preference information. [Figure 10] FIG. 1 is a sequence diagram (part 1) showing an example of an operation between a user terminal and an information processing device. [Figure 11] FIG. 2 is a sequence diagram (part 2) illustrating an example of an operation between a user terminal and an information processing device. [Figure 12] 5 is a flowchart showing a processing procedure executed by the information processing apparatus according to the embodiment. [Figure 13] 1 is a block diagram showing an example of a hardware configuration of an information processing device according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0008] Hereinafter, embodiments of the present disclosure will be described in detail with reference to the drawings. In the following embodiments, the same components are designated by the same reference numerals, and duplicated descriptions will be omitted.

[0009] In addition, in this specification and drawings, multiple components having substantially the same functional configuration may be distinguished by adding different numbers after the same reference numeral. However, when there is no particular need to distinguish each of multiple components having substantially the same functional configuration, only the same reference numeral is used.

[0010] The present disclosure will be described in the following order. 1. Embodiment 1-1. Overview of information processing method according to embodiment 1-2. Configuration of information processing system according to embodiment 1-3. Configuration of user terminal according to embodiment 1-4. Configuration of the information processing device according to the embodiment 1-5. Hardware configuration example 2. Variations 3. Summary

[0011] (1. EMBODIMENT) <1-1. Overview of information processing method according to embodiment> Fig. 1 is a diagram showing an overview of an information processing method according to an embodiment. Fig. 1 shows information processing performed by an information processing device 1 that executes the information processing method according to an embodiment and a user terminal 100 carried by a user.

[0012] 1, the information processing device 1 according to the embodiment collects and stores in advance income / expense information 42 relating to the income / expense of a user. The income / expense information 42 is information relating to the income and expenditure of a user. The content and collection method of the income / expense information 42 will be described in detail later.

[0013] The information processing device 1 according to the embodiment has a function of generating a balance report relating to the balance of a user based on the balance information 42, and can display the generated balance report on the user terminal 100.

[0014] In the example shown in FIG. 1, an income and expenditure report for July generated by the information processing device 1 is displayed on the display unit of the user terminal 100. Specifically, the income and expenditure report for food expenses, clothing expenses, and water, electricity, and gas expenses is displayed as income and expenditure types. In addition, an agent AG, which is a virtual subject, is displayed on the display unit, and the information processing device 1 notifies the user of information such as advice on income and expenditure by voice or text via the agent AG. Note that the virtual subject is a virtual subject that interacts with the user (for example, making an appointment, etc.). Note that, when the amount of information (income and expenditure report, proposed information, etc.) displayed on the display unit of the user terminal 100 is equal to or greater than a predetermined amount, the agent AG may be temporarily removed from the screen and the proposed information may be proposed by voice or the like. In addition, the agent AG may be set internally in the user terminal 100 so that the agent AG does not appear on the screen.

[0015] Here, in the past, when advice was given to a user, the advice was given based on the income and expenditure history. For this reason, in the past, only uniform advice was given and it was not possible to take into consideration circumstances such as, for example, the user being unable to save (or not wanting to save) on expenditures of a specific income and expenditure type. Therefore, the user may find it difficult to accept advice on a specific income and expenditure type, and may not accept the advice. Thus, in the past, there was room for improvement in terms of making more appropriate suggestions to the user.

[0016] Therefore, in the information processing method according to the embodiment, a predetermined agreement regarding income and expenditure is made between the user and the agent AG, and advice regarding income and expenditure is given based on the agreement. Note that, as will be described in detail later, advice can also be given based on information on the user's preferences (tastes) in addition to the user's agreement.

[0017] Specifically, first, the information processing device 1 displays the July income and expenditure report together with the promise to save on clothing expenses via the agent AG (step S1). In Fig. 1, the agent AG notifies the user of the suggested information "Will you promise to save on clothing expenses?" by text or voice, but the suggested information may be conveyed (notified) by voice only, for example.

[0018] In Fig. 1, the clothing expenses whose balance is equal to or exceeds a certain threshold are the targets of the promise, but such targets can be determined based on the user's preferences, as will be described in detail later. Also, the proposed information shown in Fig. 1 can be notified in a manner and content that matches the user's personality, as will be described in detail later.

[0019] Then, suppose that the user inputs "make a promise" (by voice or text) in response to the promise display (step S2). The user terminal 100 performs a promise acceptance process based on the information of "make a promise" (step S3). For example, the user terminal 100 determines whether the input of "make a promise" indicates that a promise has been made by using voice analysis or language analysis, and transmits the determination result to the information processing device 1. Note that the user terminal 100 may transmit "make a promise" as is to the information processing device 1, and voice analysis or language analysis may be performed on the information processing device 1 side. Note that the determination is not limited to the case of determining whether a promise has been made, and for example, the degree of confidence in the promise may be used. The strength of the degree of confidence may be estimated based on, for example, the user's facial expression analyzed based on a camera image, the length of time until a response to the proposed information, and the like. In addition, the contents of the promise, including the category, amount, and timing, such as "save on food expenses," "save 〇 yen," and "save next month," may be determined.

[0020] Then, the information processing device 1 acquires the promise information 44 based on the information received from the user terminal 100 and the promise display information (step S4), and stores it in the storage unit 4 (see FIG. 4). In FIG. 1, information regarding saving on clothing expenses (for example, saving XX yen next month) is stored as the promise information 44.

[0021] The information processing device 1 then performs a proposal process at a predetermined timing to propose predetermined proposal information related to income and expenditure to the user based on the stored income and expenditure information 42 and promise information 44 (step S5). The user terminal 100 then performs an output process to output the proposal information acquired from the information processing device 1 via the display unit (step S6). In FIG. 1, the proposal information is based on the income and expenditure report for August up to the present time of August 15th. Specifically, the proposal information is "You're making good progress in saving on clothing expenses. Keep up the good work. Thank you for keeping your promise."

[0022] In addition, if the user does not make a promise displayed together with the July income and expenditure report in step S1 due to reasons such as the user not wanting to save on clothing expenses, the information processing device 1 will not suggest suggested information regarding clothing expenses even if the threshold for suggesting suggested information is exceeded under normal circumstances.

[0023] That is, in the information processing method according to the embodiment, for example, by taking into account circumstances such as the user being unable (or not wanting to) save on clothing expenses as promise information 44, it is possible to propose suggested information that is easy for the user to accept and not to propose suggested information that is difficult to accept. Therefore, according to the information processing method according to the embodiment, it is possible to make more appropriate suggestions to the user. Note that if the degree of confidence at the time of making the promise is low, the target amount to be saved may be revised (reduced). Alternatively, the revision of the goal (contents of the suggested information) may be changed depending on the degree of confidence, such as increasing the target amount to be saved by a larger amount when the confidence in the promise is low and the promise fails, and increasing the target amount to be saved by a smaller amount when the confidence in the promise is high and the promise fails.

[0024] <1-2. Configuration of Information Processing System S According to the Embodiment> Next, a configuration of the information processing system S according to the embodiment will be described with reference to Fig. 2. Fig. 2 is a diagram showing an example of the configuration of the information processing system S according to the embodiment.

[0025] 2, the information processing system S includes an information processing device 1 and a plurality of user terminals 100. The information processing device 1 and the plurality of user terminals 100 are connected via a network N. The network N is a communication network such as a LAN (Local Area Network), a WAN (Wide Area Network), a telephone network (such as a mobile phone network or a fixed telephone network), a regional IP (Internet Protocol) network, or the Internet. The network N may include a wired network or a wireless network.

[0026] The information processing device 1 is, for example, a server device that provides various services to the user terminal 100. For example, the information processing device 1 provides the user terminal 100 with an application for managing income and expenditure.

[0027] The user terminal 100 is a terminal device used by a user. The user terminal 100 is, for example, a smartphone, a desktop PC (Personal Computer), a notebook PC, a tablet terminal, a mobile phone, a PDA (Personal Digital Assistant), a wearable device, etc. The user terminal 100 makes various requests to the information processing device 1 and obtains various information from the information processing device 1 according to operations by the user (voice input, camera image, text input).

[0028] <1-3. Configuration of the user terminal 100 according to the embodiment> Next, a configuration example of the user terminal 100 according to the embodiment will be described with reference to Fig. 3. Fig. 3 is a block diagram showing a configuration example of the user terminal 100 according to the embodiment. As shown in Fig. 3, the user terminal 100 according to the embodiment includes a communication unit 200, a control unit 300, and a storage unit 400. Note that the user terminal 100 may also include an input unit (e.g., a keyboard, a mouse, a microphone, a camera) that accepts various operations from a user, and an output unit (e.g., a liquid crystal display, a speaker, etc.) that outputs various information.

[0029] The communication unit 200 is realized by, for example, a network interface card (NIC) or the like. The communication unit 200 is connected to a predetermined network N by wire or wirelessly, and transmits and receives information to and from the information processing device 1. The communication unit 200 may also transmit and receive information to and from other user terminals 100.

[0030] The control unit 300 is realized, for example, by a central processing unit (CPU) or a micro processing unit (MPU) executing a program stored in the user terminal 100 using a RAM or the like as a working area. The control unit 300 is a controller, and is realized, for example, by an integrated circuit such as an application specific integrated circuit (ASIC) or a field programmable gate array (FPGA).

[0031] The control unit 300 may be configured to perform some or all of the functions executed by the control unit 3 of the information processing device 1, which will be described later.

[0032] The storage unit 400 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 400 may be configured to store a part or all of the information stored in the storage unit 4 of the information processing device 1 described later.

[0033] <1-4. Configuration of information processing device 1 according to embodiment> Next, a configuration example of the information processing device 1 according to the embodiment will be described with reference to Fig. 4. Fig. 4 is a block diagram showing a configuration example of the information processing device 1 according to the embodiment. As shown in Fig. 4, the information processing device 1 according to the embodiment includes a communication unit 2, a control unit 3, and a storage unit 4.

[0034] The communication unit 2 is realized by, for example, a network interface card (NIC) etc. The communication unit 2 is connected to a predetermined network N by wire or wirelessly, and transmits and receives information to and from each of the multiple user terminals 100.

[0035] The control unit 3 is realized, for example, by a central processing unit (CPU) or a micro processing unit (MPU) executing a program stored in the information processing device 1 using a RAM or the like as a working area. The control unit 3 is a controller, and is realized, for example, by an integrated circuit such as an application specific integrated circuit (ASIC) or a field programmable gate array (FPGA).

[0036] As shown in Fig. 4, the control unit 3 has a collection unit 31, an acquisition unit 32, a setting unit 33, and a proposal unit 34, and realizes or executes the functions and actions of information processing described below. Note that the internal configuration of the control unit 3 is not limited to the configuration shown in Fig. 4, and may be other configurations as long as they perform communication processing described below. For example, the control unit 3 may be configured to perform some or all of the functions executed by the control unit 300 of the user terminal 100 described above.

[0037] The storage unit 4 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 4 may be configured to store a part or all of the information stored in the storage unit 400 of the user terminal 100 described above.

[0038] The storage unit 4 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 4, the storage unit 4 according to the embodiment stores attribute information 41, income and expenditure information 42, income and expenditure statistical information 43, promise information 44, personality information 45, and preference information 46.

[0039] Hereinafter, each piece of information stored in the storage unit 4 will be described with reference to FIGS.

[0040] FIG. 5 is a diagram showing an example of attribute information 41. The attribute information 41 is information that includes information related to the attributes of a user. The attribute information 41 may be acquired in advance from a user, or may be estimated from the context of input and output of information by voice, text, etc. For example, as shown in FIG. 5, the attribute information 41 includes items such as "user ID," "attribute type," and "promise performance."

[0041] "User ID" is identification information for identifying a user. "Attribute type" is information regarding the type of a user's attribute. In FIG. 5, items such as "age," "gender," "birthday," "family composition," "occupation," and "annual income" are shown as examples of "attribute type." "Promise performance" is information regarding the performance of promises made by the user, which will be described later.

[0042] 6 is a diagram showing an example of the balance information 42. The balance information 42 is information that includes information related to the balance of the user. The balance information 42 may be input by the user, for example, or the balance information 42 may be acquired based on payment information acquired from a credit card company or the like. In addition, if the user terminal 100 has an electronic money payment function, the balance information 42 may be acquired based on electronic money payment information.

[0043] For example, as shown in FIG. 6, the income / expense information 42 includes items such as "user ID" and "income / expense type."

[0044] "User ID" is identification information for identifying a user. "Type of income and expenditure" is information on the type of income and expenditure of a user. In FIG. 6, items such as "food expenses," "clothing expenses," and "utility expenses" are shown as examples of "type of income and expenditure." Note that the "type of income and expenditure" may be predetermined or may be independently set by the user.

[0045] In the example shown in Figure 6, the user identified by the user ID "U1" has an income / expense type "food expenses" of "20,000 (15 times)." This indicates that there were 15 transactions related to food expenses in a given period (e.g., one month), and the total amount of those 15 transactions was 20,000.

[0046] The income and expenditure statistical information 43 is statistical information on income and expenditure generated based on the income and expenditure information of other users. Specifically, the income and expenditure statistical information 43 includes statistical information for each income and expenditure type and for each attribute type. For example, the income and expenditure statistical information 43 includes information on the food expenses (e.g., average value) consumed in one month by another user who has the attributes of being in his 30s, male, married (wife, two children), and having an annual income of 7 million yen.

[0047] Fig. 7 is a diagram showing an example of the promise information 44. The promise information 44 is information including information about a promise made by a user to an agent regarding income and expenditure. As shown in Fig. 7, the promise information 44 includes items such as "promise ID", "user ID", "income and expenditure type", "promise date and time", "promise content", "confidence level", and "status".

[0048] "Promise ID" is identification information for identifying each promise made by the user. "User ID" is identification information for identifying the user. "Income / Expense Type" is information indicating the income / expense type described above. "Promise Date / Time" is information indicating the date / time when the user made the promise to the agent. "Promise Content" is information indicating the content of the promise made by the user to the agent. "Confidence Level" is confidence information indicating the user's degree of confidence in the promise. Details will be described later, but "confidence level" can be calculated by analyzing the voice input when the user made the promise. Note that while confidence level is shown as high, medium, or low in FIG. 7, it is not limited to this and confidence level may be converted into a score.

[0049] "Status" is the current status of the promise. For example, "promised" indicates that the promise made by the user is ongoing, and "success" and "failure" indicate that the promise has been completed and that the promise was kept (success) or not kept (failure). Note that the "status" shown in FIG. 7 is only an example, and examples include success (or failure) when the degree of confidence is high, and failure (or success) when the degree of confidence is low. Furthermore, with regard to "success", there may be "comfortably successful" which is a predetermined value higher than the target amount of savings, or "just barely successful" which is less than a predetermined value higher than the target amount of savings.

[0050] Fig. 8 is a diagram showing an example of personality information 45. Personality information 45 is information that includes information related to the user's personality. As shown in Fig. 8, personality information 45 includes items such as "user ID" and "personality type".

[0051] "User ID" is identification information for identifying a user. "Personality type" is information indicating the type of the user's personality. In FIG. 8, items such as "strength of will," "seriousness," and "shopping tendency" are shown as examples of "personality type." A predetermined score may be calculated for each personality type. For example, "strength of will" may be scored so that the stronger the will, the higher the value.

[0052] The personality information 45 may be obtained in advance from the user through a questionnaire or the like, or may be estimated by a machine learning model. The personality information 45 may be, for example, an output score of a model (for example, a regression model) generated by machine learning using predetermined information. The predetermined information may be, for example, information obtained from the results of questionnaire responses, information obtained from a conversation between the user and the agent AG, information obtained by a sensor included in the user terminal 100 (camera images, etc.), etc.

[0053] 9 is a diagram showing an example of the preference information 46. The preference information 46 is information that includes information related to the user's preferences. The preference information 46 may be obtained in advance from the user through a questionnaire or the like, or the user's personality may be estimated based on the user's reaction to suggested information, which will be described later.

[0054] As shown in FIG. 9, preference information 46 includes items such as "user ID" and "preference type." "User ID" is identification information for identifying a user. "Preference type" is information indicating the type of a user's preference. In FIG. 9, items such as "food," "clothing," and "travel" are shown as examples of "preference type." Also, in FIG. 9, the preference level indicating the degree to which a preference type is preferred is shown as a score on a 10-point scale, with a higher score indicating a higher preference level (more preference).

[0055] That is, in the example shown in Fig. 9, the user identified by the user ID "U1" has a highest preference for food among the preference types. Note that, although the preference level is shown as a score in Fig. 9, it may be shown as, for example, "like" or "dislike", etc.

[0056] Next, each function of the control unit 3 in the information processing device 1 (the collection unit 31, the acquisition unit 32, the setting unit 33, and the proposal unit 34) will be specifically described.

[0057] The collection unit 31 acquires income / expense information 42 relating to the income / expenses of the user. The collection unit 31 acquires, for example, information on the credit cards and bank accounts owned by the user, and collects transaction information such as credit card payments and transfers and withdrawals from bank accounts as the income / expense information 42.

[0058] Furthermore, when the user terminal 100 has an electronic money payment function, the collection unit 31 acquires information on such electronic money payment as balance information 42. Furthermore, the collection unit 31 may acquire balance information 42 by manual input by the user.

[0059] The income and expenditure information 42 collected by the collection unit 31 includes the amount for each income and expenditure type (food expense "20,000 yen" shown in FIG. 6) and the number of transactions (food expense "15 times" shown in FIG. 6) as described above, but may also include other information. For example, the income and expenditure information 42 may include information on shopping details (item type related to income and expenditure), shopping date and time (date and time when income and expenditure occurred), number of shopping trips (number of times when income and expenditure occurred), shopping location (location where income and expenditure occurred, shopping amount (amount of income and expenditure).

[0060] Furthermore, the income / expense information 42 may further include information on the difference between the income / expense information 42 of the current month and the previous month (or other months). In other words, the income / expense information 42 may include information on the difference between the income / expense information 42 of the current predetermined period and the income / expense information 42 of the past predetermined period.

[0061] The collection unit 31 stores the collected income / expense information 42 in the storage unit 4.

[0062] The acquisition unit 32 acquires various information related to the user. Specifically, the acquisition unit 32 acquires attribute information 41, promise information 44, personality information 45, preference information 46, and the like, and stores them in the storage unit 4.

[0063] For example, the acquisition unit 32 displays a questionnaire for acquiring the above information on the user terminal 100, and acquires the attribute information 41, the promise information 44, the personality information 45, and the preference information 46 based on the user's responses to the questionnaire.

[0064] Furthermore, the acquisition unit 32 may estimate the attribute information 41, the promise information 44, the personality information 45, and the preference information 46 based on the dialogue between the user and the agent AG. For example, the acquisition unit 32 asks a question about how to spend money, such as "Do you like saving money?" via the agent AG, and if the user answers "I don't like it", acquires personality information 45 indicating that the user has a spendthrift personality.

[0065] The acquisition unit 32 may also acquire the user's reaction to the suggested information proposed by the suggestion unit 34 described later, and estimate the user's personality based on the acquired reaction. The user's reaction is detected by various sensors such as a camera and a microphone of the user terminal 100. For example, when the user actually saves money in response to harsh suggested information such as "Save money on food," the acquisition unit 32 estimates that the user has a personality that does not mind being scolded. On the other hand, when the user does not actually save money in response to the harsh suggested information or when the user has a confused face in the camera image of the user terminal 100, the acquisition unit 32 estimates that the user has a personality that does not like being scolded.

[0066] The acquisition unit 32 also acquires promise information 44 indicating that the user promises to execute the suggested information proposed by the proposing unit 34, which will be described later. Specifically, the acquisition unit 32 performs morphological analysis of language information obtained by analyzing the user's voice and text input via the user terminal 100, and when a specific keyword such as "promise" is detected, acquires (generates) the promise information 44 based on the suggested information being displayed on the user terminal 100 and stores it in the storage unit 4.

[0067] At this time, the acquisition unit 32 acquires (generates) confidence information indicating the user's degree of confidence in the promise, estimated based on information input via the user terminal 100. Specifically, the acquisition unit 32 generates the confidence information based on specific keywords such as "definitely," "probably," "anxious," etc. Note that, when generating the confidence information, tone of voice information may be acquired and used.

[0068] The acquisition unit 32 also acquires achievement information (promise achievement shown in FIG. 5) regarding the achievement of success or failure in the past promise information 44. Specifically, when the user keeps the promise information 44, the acquisition unit 32 acquires achievement information indicating success, updates the "status" in FIG. 7 from promised to successful, and counts up the "success" in the "promise achievement" in FIG. 5. On the other hand, when the user does not keep the promise, the acquisition unit 32 acquires achievement information indicating failure, updates the "status" in FIG. 7 from promised to failed, and counts up the "failure" in the "promise achievement" in FIG. 5. The "promise achievement" in FIG. 5 may be divided into achievements of promises made in response to proposal information with a strict tone and achievements of promises made in response to proposal information with a gentle tone. Alternatively, it may also include cases where no promise was made. In addition, instead of the two values ​​of "success" and "failure", it may be subdivided into "confident success", "unconfident failure", "success by the skin of the teeth", "success with ease", etc.

[0069] The acquisition unit 32 may also acquire preference information 46 based on the user's reaction to suggested information related to a specific income / expense type proposed by the suggestion unit 34 described later. Specifically, when the acquisition unit 32 proposes suggested information such as "Your clothing expenses were high, so can you promise to save money next month?", the user may input "I like clothes, so I can't promise that." In this case, when a specific keyword such as "I like clothes" is detected, the acquisition unit 32 acquires (generates) preference information 46 indicating that clothing is liked, and stores it in the storage unit 4.

[0070] The setting unit 33 sets various parameters related to the agent AG, which is a virtual subject. For example, the setting unit 33 sets parameters such as the personality, sex, appearance, language (Japanese, English, etc.), accent, intonation, and background of the agent AG (inside the house, outside, etc.).

[0071] For example, the setting unit 33 sets a value selected by the user from a plurality of options as the parameter of the agent AG for each of the above-mentioned parameters. The setting unit 33 may also automatically set each parameter based on the response to a questionnaire conducted by the above-mentioned acquisition unit 32 to obtain various information.

[0072] The suggestion unit 34 proposes various pieces of suggested information related to the income and expenditure of the user. For example, the suggestion unit 34 proposes the suggested information based on the above-mentioned attribute information 41, income and expenditure information 42, income and expenditure statistical information 43, promise information 44, personality information 45, preference information 46, and the parameters of the agent AG set by the setting unit 33. For example, the suggestion unit 34 determines the content and expression method of the suggested information based on the above-mentioned various pieces of information.

[0073] Specifically, when the proposal unit 34 receives a request from a user via the user terminal 100 to view an income / expense report for a specified period (e.g., this month), the proposal unit 34 first calculates the income / expenses for each income / expense type for the specified period based on the income / expense information 42.

[0074] The suggestion unit 34 then selects other users having attributes similar to the user's attributes from among the income and expenditure statistical information 43 stored in the storage unit 4, and compares the income and expenditure of the other users for each income and expenditure type with the income and expenditure for each income and expenditure type calculated above. The suggestion unit 34 then determines, as a proposal target (promise target) for the proposed information, an income and expenditure type for which the difference in income and expenditure, more specifically the difference in expenditure, is equal to or greater than a predetermined threshold as a result of the comparison. In other words, the suggestion unit 34 determines, as a proposal target, an income and expenditure type for which expenditure is significantly high, in comparison with other users having attributes similar to the user's attributes.

[0075] Next, the suggestion unit 34 judges whether or not to suggest the suggested information for the income and expenditure type determined as the suggestion target based on the preference information 46. For example, when the income and expenditure type of the suggestion target is clothing expenses and the preference information 46 includes that the user likes clothing, the suggestion unit 34 does not suggest the suggested information for the clothing expenses that are the suggestion target. That is, the suggestion unit 34 prohibits the suggestion of the suggested information for the income and expenditure type corresponding to the preference information 46 among the income and expenditure types included in the income and expenditure information 42. Alternatively, instead of completely prohibiting the suggestion, the threshold for whether or not to suggest the suggested information even if the expenditure is somewhat higher than that of other households may be relaxed. Also, even if the expenditure is extremely high for a favorite item, the suggested information may be suggested. Also, conversely, if the clothing expenditure that the user liked has decreased compared to other households, there is a possibility that the user no longer likes the item, so for example, the user may be asked a question, and if the user no longer likes the item, the relevant income and expenditure type may be excluded from the preference information 46 to lift the suggestion prohibition.

[0076] Then, the proposal unit 34 determines, as proposal targets, income / expense types other than the income / expense types for which proposal is prohibited.

[0077] For example, the suggestion unit 34 determines, as the proposal target, the income / expense type with the next highest expenditure after the income / expense type for which proposal is prohibited. That is, the suggestion unit 34 determines, from among the income / expense types included in the income / expense information 42, the income / expense type for which proposal information is to be proposed based on the preference information 46. Note that, in such a case, the difference in expenditure of the income / expense type may be less than a predetermined threshold in the above comparison result.

[0078] In addition, it is preferable that the suggestion unit 34 excludes from the proposal targets the income and expenditure types related to the income and expenditure types for which the proposal is prohibited. For example, in the case of a person who likes to eat out at various places, transportation costs are required to travel to those places, so in such a case, the suggestion unit 34 excludes transportation costs in addition to food costs from the proposal targets. Alternatively, the threshold for proposing the proposal information may be relaxed.

[0079] Next, the suggestion unit 34 determines the content and expression method of the suggested information for the income / expense type determined as the proposal target, based on the attribute information 41, the promise information 44, the personality information 45, the preference information 46 and the parameters of the agent AG.

[0080] Specifically, the suggestion unit 34 determines the content and expression method of the suggested information according to a combination of the attribute information 41, the promise information 44, the personality information 45, the preference information 46 and the values ​​of each of the parameters of the agent AG (values ​​indicating the contents of the information or parameters).

[0081] For example, when the user has made a certain promise and the promise is kept, the suggestion unit 34 determines the content of the suggested information to praise the promise being kept and encourage the user to continue to keep the promise. In this case, when the user has money to spare by keeping the promise (saving money), the suggestion unit 34 may suggest suggested information to encourage the user to do what he or she likes using the money to spare based on the preference information 46.

[0082] Furthermore, when a promise is broken, the suggestion unit 34 determines the content of the suggested information to admonish the user for breaking the promise. In this case, the suggestion unit 34 changes the way of expressing the suggested information according to the personality information 45. For example, the suggestion unit 34 uses a gentle admonishing expression for a user who does not like to be scolded, and a stern admonishing expression for a user who does not mind being scolded.

[0083] Furthermore, the proposing unit 34 may change the content or expression method of the proposed information based on the confidence information indicating the degree of confidence in the promise or the promise performance (performance information).

[0084] The timing of the proposal information by the proposal unit 34 may be set at a preset time period, for example, every predetermined period (every month). Furthermore, the proposal unit 34 may propose the proposal information at timings that further divide the predetermined period into sections, in the form of an interim report, based on the various information described above.

[0085] For example, the suggestion unit 34 may set the number of categories to be greater than the set value for users who often fail in their promise performance or who have a low level of confidence in their promises, and may frequently provide suggested information in interim reports including information on whether or not the user is likely to keep the promise, and may set the number of categories to be less than the set value for users who often succeed in their promise performance or who have a high level of confidence.

[0086] Furthermore, the suggestion unit 34 may be configured to confirm the reason for the outsized expenditure for an income / expense type (above a predetermined threshold) with the user via the agent AG. For example, if the user specifies that the expenditure is a temporary and unavoidable expenditure (for example, a mobile phone breaks and needs to be replaced), the suggestion unit 34 may exclude the expenditure from the proposal targets.

[0087] In addition, the suggestion unit 34 may change the content or expression of the proposed information depending on the amount of outstanding expenditure. For example, the suggestion unit 34 may suggest more severe proposed information as the amount of outstanding expenditure increases.

[0088] Next, an example of operation between the user terminal 100 and the information processing device 1 will be described with reference to Fig. 10 and Fig. 11. Fig. 10 is a sequence diagram (part 1) showing an example of operation between the user terminal 100 and the information processing device 1. Fig. 11 is a sequence diagram (part 2) showing an example of operation between the user terminal 100 and the information processing device 1.

[0089] FIG. 10 shows an example of the operation up to the generation of the promise information 44, and FIG. 11 shows an example of the operation up to the reporting of the progress on the promise information 44.

[0090] 10, it is assumed that the user first utters "Show me the monthly report" to the user terminal 100. The user terminal 100 receives the voice uttered by the user (step S11).

[0091] Next, the user terminal 100 transmits a monthly report (income and expenditure report) request based on the received voice (step S12), and then the information processing device 1 acquires the attribute information 41 from the storage unit 4 (step S13).

[0092] Next, the information processing device 1 acquires the income and expenditure information 42 from the storage unit 4 (step S14). Next, the information processing device 1 acquires the income and expenditure statistical information 43 from the storage unit 4 (step S15).

[0093] Next, the information processing device 1 performs a comparison process between the acquired income / expense information 42 and income / expense statistical information 43 (step S16). As a result of the comparison process, it is assumed that the first largest expense is clothing expense, the second largest is food expense, and the third largest is utility expense.

[0094] Next, the information processing device 1 acquires the preference information 46 from the storage unit 4 (step S17). It is assumed that the preference information 46 indicates that the user likes clothes.

[0095] Next, the information processing device 1 performs a process of determining a proposal target from among clothing expenses, food expenses, and utility expenses based on the preference information 46 (step S18). Specifically, based on the preference information 46 indicating that the user likes clothing, the information processing device 1 excludes the first-place clothing expenses and determines the second-place food expenses as a proposal target.

[0096] Next, the information processing device 1 acquires the personality information 45 from the storage unit 4 (step S19). Next, the information processing device 1 generates the content (promise to save on food expenses) and the proposal information of the expression method determined based on the personality information 45 (step S20).

[0097] Next, the information processing device 1 transmits the generated proposal information and monthly report to the user terminal 100 (step S21).

[0098] Next, the user terminal 100 displays or outputs by voice the suggestion information "Your food expenses were higher than other households, so can you promise to reduce them next month?" together with the monthly report (step S22).

[0099] Then, assume that the user says "I'll make an appointment." The user terminal 100 accepts the voice spoken by the user (step S23). The user terminal 100 then sends an appointment-keeping notification including information related to the accepted voice to the information processing device 1 (step S24).

[0100] Next, the information processing device 1 estimates the user's confidence level for the appointment based on the information included in the appointment-keeping notice (step S25).Then, the information processing device 1 generates appointment information 44 including confidence information indicating the estimated confidence level and information about the appointment, stores it in the storage unit 4 (step S26), and ends the process.

[0101] Next, an example of the operation between the user terminal 100 and the information processing device 1 shown in FIG. 11 will be described.

[0102] 11, it is assumed that the user utters "Show me a progress report." The user terminal 100 receives the voice uttered by the user (step S51). Next, the user terminal 100 transmits a progress report (income and expenditure report) request to the information processing device 1 based on the received voice (step S52).

[0103] Next, the information processing device 1 acquires the attribute information 41 from the storage unit 4 (step S53). Next, the information processing device 1 acquires the income / expense information 42 from the storage unit 4 (step S54). Specifically, as the income / expense information 42, information on the food expense of A yen in the middle of the month is acquired.

[0104] Next, the information processing device 1 acquires the promise information 44 from the storage unit 4 (step S55). Specifically, as the promise information 44, information indicating that the monthly food expenses will be reduced to B yen is acquired.

[0105] Next, the information processing device 1 compares the food expenditure A yen, which is the income / expense information 42, with the food expenditure B, which is the promise information 44 (step S56). As a result of the comparison, it is assumed that the food expenditure A yen is smaller than the food expenditure B yen.

[0106] Next, the information processing device 1 checks the shopping situation from the income and expenditure information 42 (step S57). Specifically, it is assumed that it is found from the income and expenditure information 42 that the user often buys dinner at a convenience store late at night on weekdays.

[0107] Next, the information processing device 1 acquires from the storage unit 4, as the preference information 46, information that the user likes massages (step S58). Next, the information processing device 1 acquires from the storage unit 4, as the personality information 45, information that the user dislikes being scolded (step S59).

[0108] Next, the information processing device 1 generates suggested information based on the income / expense information 42 in step S57, the preference information 46 in step S58, and the personality information 45 in step S59 (step S60).

[0109] Next, the information processing device 1 notifies the user terminal 100 of the progress report and the generated proposal information (step S61).

[0110] Then, the user terminal 100 displays or outputs by voice the suggested information "Thank you for working late into the night. You have some extra money to spare this month for food, so why don't you go for a massage on your next day off?" along with the progress report (step S62), and ends the process.

[0111] Next, a processing procedure of the processing executed by the information processing device 1 according to the embodiment will be described with reference to Fig. 12. Fig. 12 is a flowchart showing the processing procedure of the processing executed by the information processing device 1 according to the embodiment.

[0112] As shown in FIG. 12, the control unit 3 of the information processing device 1 first receives a request to view the balance information 42 from the user terminal 100 (step S101).

[0113] Next, the control unit 3 calculates the balance for each balance type based on the balance information 42 stored in the storage unit 4 (step S102).

[0114] Next, the control unit 3 determines whether or not there is any income / expense type whose expenditure is equal to or greater than a predetermined threshold among the calculated income / expense types (step S103).

[0115] If there is an income / expense type in which the expenditure is equal to or exceeds a predetermined threshold (step S103: Yes), the control unit 3 determines whether or not the income / expense type corresponds to the user's preference based on the preference information 46 stored in the memory unit 4 (step S104).

[0116] If the balance type corresponds to the user's preference (step S104: Yes), the control unit 3 prohibits the generation of suggested information related to that balance type, that is, prohibits the suggestion of suggested information to the user (step S105).

[0117] Next, the control unit 3 transmits an income / expense report based on the income / expense information 42 to the user terminal 100, thereby causing the user terminal 100 to display the report (step S106), and ends the process.

[0118] On the other hand, in step S103, if there is no income / expense type in which the expenditure is equal to or greater than the predetermined threshold (step S103: No), the control unit 3 executes step S106.

[0119] Furthermore, in step S104, if the balance type does not correspond to the user's preference (step S104: No), the control unit 3 generates proposal information related to the balance type (step S107).

[0120] Next, the control unit 3 transmits the generated proposal information and income / expense report to the user terminal 100, thereby causing the user terminal 100 to display them (step S108).

[0121] Next, the control unit 3 determines whether or not a promise from the user for the proposed information has been accepted (step S109).

[0122] When the control unit 3 receives a promise from the user for the proposed information (step S109: Yes), that is, when the user promises to execute the proposed information, the control unit 3 stores it as promise information 44 in the storage unit 4 (step S110), and ends the process.

[0123] On the other hand, in step S109, if the control unit 3 has not accepted a promise from the user regarding the proposed information (step S109: No), that is, if the user has not promised to execute the proposed information, the control unit 3 ends the process.

[0124] <1-5. Hardware configuration example> Next, an example of a hardware configuration of the information processing device 1 etc. according to this embodiment will be described with reference to Fig. 13. Fig. 13 is a block diagram showing an example of a hardware configuration of the information processing device 1 according to this embodiment.

[0125] 13, the information processing device 1 includes a CPU (Central Processing Unit) 901, a ROM (Read Only Memory) 902, a RAM (Random Access Memory) 903, a host bus 905, a bridge 907, an external bus 906, an interface 908, an input device 911, an output device 912, a storage device 913, a drive 914, a connection port 915, and a communication device 916. The information processing device 1 may include a processing circuit such as an electric circuit, a DSP, or an ASIC instead of or in addition to the CPU 901.

[0126] The CPU 901 functions as an arithmetic processing device and a control device, and controls the overall operation of the information processing device 1 in accordance with various programs. The CPU 901 may also be a microprocessor. The ROM 902 stores programs and arithmetic parameters used by the CPU 901. The RAM 903 temporarily stores programs used in the execution of the CPU 901, and parameters that change appropriately during the execution. The CPU 901 may execute the functions of, for example, the collection unit 31, the acquisition unit 32, the setting unit 33, and the proposal unit 34.

[0127] The CPU 901, ROM 902, and RAM 903 are connected to one another by a host bus 905 that includes a CPU bus or the like. The host bus 905 is connected to an external bus 906, such as a PCI (Peripheral Component Interconnect / Interface) bus, via a bridge 907. Note that the host bus 905, bridge 907, and external bus 906 do not necessarily need to be configured separately, and these functions may be implemented in a single bus.

[0128] The input device 911 is a device into which information is input by a user, such as a mouse, a keyboard, a touch panel, a button, a microphone, a switch, or a lever. Alternatively, the input device 911 may be a remote control device that uses infrared rays or other radio waves, or may be an externally connected device such as a mobile phone or a PDA that supports the operation of the information processing device 1. Furthermore, the input device 911 may include, for example, an input control circuit that generates an input signal based on information input by a user using the above-mentioned input means.

[0129] The output device 912 is a device capable of visually or audibly notifying a user of information. The output device 912 may be, for example, a display device such as a CRT (Cathode Ray Tube) display device, a liquid crystal display device, a plasma display device, an EL (ElectroLuminescence) display device, a laser projector, an LED (Light Emitting Diode) projector, or a lamp, or may be an audio output device such as a speaker or a headphone.

[0130] The output device 912 may output, for example, results obtained from various processes performed by the information processing device 1. Specifically, the output device 912 may visually display the results obtained from various processes performed by the information processing device 1 in various formats, such as text, image, table, or graph. Alternatively, the output device 912 may convert an audio signal, such as voice data or acoustic data, into an analog signal and audibly output it.

[0131] The storage device 913 is a device for storing data formed as an example of a storage unit of the information processing device 1. The storage device 913 may be realized by, for example, a magnetic storage device such as a hard disk drive (HDD), a semiconductor storage device, an optical storage device, or a magneto-optical storage device. For example, the storage device 913 may include a storage medium, a recording device for recording data in the storage medium, a reading device for reading data from the storage medium, and a deleting device for deleting data recorded in the storage medium. The storage device 913 may store programs executed by the CPU 901, various data, and various data acquired from the outside, etc.

[0132] The drive 914 is a reader / writer for a storage medium, and is built into or externally attached to the information processing device 1. The drive 914 reads out information recorded on a removable storage medium, such as an attached magnetic disk, optical disk, magneto-optical disk, or semiconductor memory, and outputs the information to the RAM 903. The drive 914 is also capable of writing information to the removable storage medium.

[0133] The connection port 915 is an interface for connection to an external device. The connection port 915 is a connection port capable of transmitting data to an external device, and may be, for example, a Universal Serial Bus (USB).

[0134] The communication device 916 is, for example, an interface formed of a communication device for connecting to the network 40. The communication device 916 may be, for example, a communication card for a wired or wireless LAN (Local Area Network), LTE (Long Term Evolution), Bluetooth (registered trademark), or WUSB (Wireless USB). The communication device 916 may also be a router for optical communication, a router for ADSL (Asymmetric Digital Subscriber Line), or a modem for various communications. The communication device 916 can transmit and receive signals, for example, between the Internet or other communication devices in accordance with a predetermined protocol such as TCP / IP.

[0135] The network 40 is a wired or wireless transmission path for information. For example, the network 40 may include a public line network such as the Internet, a telephone line network, or a satellite communication network, various LANs (Local Area Networks) including Ethernet (registered trademark), or a WAN (Wide Area Network). The network 40 may also include a dedicated line network such as an IP-VPN (Internet Protocol-Virtual Private Network).

[0136] It is also possible to create a computer program for causing hardware such as a CPU, ROM, and RAM built into the information processing device 1 to perform functions equivalent to those of the components of the information processing device 1 according to the present embodiment described above. It is also possible to provide a storage medium storing the computer program.

[0137] Although the preferred embodiment of the present disclosure has been described in detail above with reference to the attached drawings, the technical scope of the present disclosure is not limited to such examples. It is clear that a person having ordinary knowledge in the technical field of the present disclosure can conceive of various modified or amended examples within the scope of the technical ideas described in the claims, and it is understood that these also naturally belong to the technical scope of the present disclosure.

[0138] In addition, the effects described in this specification are merely descriptive or exemplary and are not limiting. In other words, the technology according to the present disclosure may achieve other effects that are apparent to a person skilled in the art from the description of this specification, in addition to or in place of the above effects.

[0139] (2. Modifications) The information processing program may be stored in a disk device provided in a server device on a network such as the Internet, and may be downloaded to a computer. The above-mentioned functions may be realized by cooperation between an OS (Operating System) and application software. In this case, the parts other than the OS may be stored on a medium and distributed, or the parts other than the OS may be stored in a server device and may be downloaded to a computer.

[0140] Furthermore, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically by a known method. In addition, the information including the processing procedures, specific names, various data and parameters shown in the above documents and drawings can be changed arbitrarily unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

[0141] In addition, each component of each device shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit according to various loads, usage conditions, etc.

[0142] The above-described embodiments can be combined as appropriate in the areas where the processing contents are not contradictory. The order of the steps shown in the flowcharts and sequence diagrams of the above-described embodiments can be changed as appropriate.

[0143] (3. Summary) As described above, according to one embodiment of the present disclosure, the information processing device 1 according to this embodiment includes a collection unit 31, an acquisition unit 32, and a proposal unit 34. The collection unit 31 collects income / expense information 42 related to the income / expense of a user. The acquisition unit 32 acquires promise information 44 that the user has made to an agent AG (virtual subject) displayed on a display unit of a user terminal 100 (terminal device) possessed by the user, regarding income / expense. The proposal unit 34 proposes predetermined proposal information related to income / expense to the user based on the income / expense information 42 and the promise information 44.

[0144] This allows more appropriate suggestions to be made to the user.

[0145] In addition, the suggestion unit 34 determines the content and expression method of the suggested information based on the income / expense information 42 and the promise information 44.

[0146] This allows suggestions to be made to the user with more appropriate content and expression.

[0147] The acquisition unit 32 further acquires preference information 46 relating to the user's preferences. The suggestion unit 34 determines, from among the balance types included in the balance information 42, a balance type for which the suggestion unit 34 proposes suggested information based on the preference information 46.

[0148] This allows suggestions to be made that take the user's preferences into account, making suggestions that are more likely to be accepted by the user, thereby improving the user's satisfaction with the suggestions.

[0149] Furthermore, the suggestion unit 34 prohibits the suggestion of suggested information for a balance type that corresponds to the preference information 46 among the balance types included in the balance information 42 .

[0150] This makes it possible to improve the user's satisfaction with the suggestions, since suggestions are not made regarding the balance of the user's favorite things, etc.

[0151] The acquisition unit 32 further acquires personality information 45 relating to the personality of the user. The suggestion unit 34 proposes suggested information based on the personality information 45.

[0152] This allows suggestions to be made that take the user's personality into consideration, making suggestions that are more likely to be accepted by the user, thereby improving the user's level of satisfaction with the suggestions.

[0153] Furthermore, the acquisition unit 32 acquires the user's reaction to the proposed information, and acquires, as personality information 45, a personality estimated based on the acquired reaction.

[0154] This makes it possible to obtain more accurate personality information 45 of the user.

[0155] In addition, the acquisition unit 32 acquires promise information 44 indicating that the user promises to execute the proposed information proposed by the proposal unit .

[0156] This allows the user to make a promise regarding the proposed content, so that the user can reliably understand the promise content.

[0157] Moreover, the acquiring unit 32 further acquires performance information regarding the performance of the promises made or not made in the past promise information 44. The proposing unit 34 proposes proposal information based on the performance information.

[0158] This makes it possible to provide, for example, suggestion information that enables the user to make an appointment that is more likely to be successful.

[0159] Furthermore, the acquisition unit 32 acquires promise information 44 including confidence information indicating the degree of confidence of the user in the promise estimated based on information input via the user terminal 100. The suggestion unit 34 suggests suggested information based on the confidence information.

[0160] This allows suggestions to be made that take into account the user's degree of confidence when making a promise.

[0161] The collection unit 31 acquires income / expense information 42 including at least one of information on the type of item related to the income / expense, the amount of the income / expense, the number of times the income / expense occurred, the date and time when the income / expense occurred, and the location where the income / expense occurred.

[0162] This allows more detailed income and expenditure information 42 to be acquired, so that the information proposed by the proposal unit 34 can be made more accurate.

[0163] The collection unit 31 also acquires, as income and expenditure information 42, information on the difference between income and expenditure information 42 for the current predetermined period and income and expenditure information 42 for the past predetermined period.

[0164] This enables the proposal unit 34 to make a proposal taking into consideration the difference between the current and past income / expense information 42.

[0165] The acquisition unit 32 further acquires the user's attribute information 41. The suggestion unit 34 proposes suggested information based on a result of comparison between the income and expenditure information 42 of another user having similar attribute information 41 and the user's income and expenditure information 42.

[0166] This allows suggestions to be made based on the results of comparison with other users who have similar attributes.

[0167] The system further includes a setting unit 33 that sets the personality of the agent AG based on information input by the user via the user terminal 100. The suggestion unit 34 proposes suggested information based on the personality of the agent AG set by the setting unit 33.

[0168] This allows the user to converse with the agent AG having a predetermined personality, making it easier for the user to accept suggested information than, for example, an impersonal agent.

[0169] Although the embodiments of the present disclosure have been described above, the technical scope of the present disclosure is not limited to the above-described embodiments as they are, and various modifications are possible without departing from the gist of the present disclosure. In addition, components of different embodiments and modifications may be appropriately combined.

[0170] Furthermore, the effects of each embodiment described in this specification are merely examples and are not limiting, and other effects may also be provided.

[0171] The present technology can also be configured as follows. (1) A collection unit that collects balance information regarding the balance of a user; an acquisition unit that acquires promise information that the user has made regarding the balance to a virtual subject displayed on a display unit of a terminal device possessed by the user; a suggestion unit that suggests predetermined suggestion information regarding the balance to the user based on the balance information and the promise information; An information processing device comprising: (2) The suggestion unit, The information processing device according to (1), which determines the content and expression method of the proposal information based on the income / expense information and the promise information. (3) The acquisition unit is Further obtaining preference information regarding the preferences of the user; The suggestion unit, The information processing device according to (1) or (2), further comprising: determining, from among the income and expenditure types included in the income and expenditure information, an income and expenditure type for which the suggested information is to be proposed based on the preference information. (4) The suggestion unit, The information processing device according to (3), wherein, among the balance types included in the balance information, proposal of the suggested information is prohibited for a balance type corresponding to the preference information. (5) The acquisition unit is Further obtaining personality information regarding the personality of the user; The suggestion unit, The information processing device according to any one of (1) to (4), wherein the suggested information is suggested based on the personality information. (6) The acquisition unit is The information processing device according to (5), further comprising: acquiring a reaction of the user to the proposed information; and acquiring a personality estimated based on the acquired reaction as the personality information. (7) The acquisition unit is The information processing device according to any one of (1) to (6), further comprising: acquiring the promise information indicating that the user promises to execute the proposal information proposed by the proposal unit. (8) The acquisition unit is Further acquiring performance information regarding the success or failure of the past promise information; The suggestion unit, The information processing device according to any one of (1) to (7), wherein the proposed information is proposed based on the performance information. (9) The acquisition unit is acquiring the promise information including confidence information indicating a degree of confidence of the user in the promise estimated based on information input via the terminal device; The suggestion unit, The information processing device according to any one of (1) to (8), wherein the proposed information is proposed based on the self information. (10) The collecting unit includes: The information processing device according to any one of (1) to (9), which acquires the balance information including at least one of information on the type of item related to the balance, the amount of the balance, the number of times the balance occurred, the date and time when the balance occurred, and the location where the balance occurred. (11) The collecting unit includes: The information processing device according to any one of (1) to (10), wherein information relating to a difference between the balance information in a current predetermined period and the balance information in a past predetermined period is acquired as the balance information. (12) The acquisition unit is Further acquiring attribute information of the user; The suggestion unit, The information processing device according to any one of (1) to (11), wherein the proposed information is proposed based on a result of comparison between the income and expenditure information of another user having similar attribute information and the income and expenditure information of the user. (13) a setting unit that sets a personality of the virtual subject based on information input by the user via the terminal device, The suggestion unit, The information processing device according to any one of (1) to (12), wherein the suggested information is proposed based on the personality of the virtual subject set by the setting unit. (14) A collection step of collecting balance information regarding the balance of a user; an acquisition step of acquiring promise information regarding the balance made by the user to a virtual subject displayed on a display unit of a terminal device possessed by the user; a proposal step of proposing predetermined proposal information regarding the balance to the user based on the balance information and the promise information; An information processing method comprising: (15) a collection step for collecting financial information relating to a user's financial situation; an acquisition step of acquiring promise information regarding the balance made by the user to a virtual subject displayed on a display unit of a terminal device possessed by the user; a proposal step of proposing predetermined proposal information regarding the balance to the user based on the balance information and the promise information; An information processing program that causes a computer to execute the above. [Explanation of symbols]

[0172] 1. Information processing device 2. Communications Department 3. Control Unit 4 Storage section 31 Collection Department 32 Acquisition Department 33 Setting section 34 Proposal Department 100 user terminals 200 Communications Department 300 Control section 400 Storage section AG Agent

Claims

1. A collection unit for collecting balance information including a balance amount related to the balance of a user; an acquisition unit that acquires promise information in which the user has promised to save on the balance of the virtual subject displayed on a display unit of a terminal device possessed by the user; a suggestion unit that, when determining based on the income and expenditure information that there is an expenditure equal to or greater than a threshold and determining based on the promise information that the promise has not been kept, proposes to the user suggestion information encouraging saving regarding the income and expenditure; An information processing device comprising:

2. The acquisition unit, Further acquiring personality information indicative of the personality of the user; The suggestion unit, The information processing device according to claim 1 , wherein the content and expression method of the proposed information are determined based on the income / expense information, the promise information and the personality information, depending on whether the promise indicated in the promise information has been kept and the personality indicated in the personality information.

3. The acquisition unit is Further obtaining preference information regarding the preferences of the user; The suggestion unit, The information processing apparatus according to claim 1 , further comprising: determining, based on whether a balance type included in the balance information corresponds to the preference information, a balance type for which the proposed information is to be proposed, from among the balance types included in the balance information.

4. The suggestion unit, The information processing apparatus according to claim 3 , wherein, of the balance types included in the balance information, the proposal of the suggested information is prohibited for a balance type corresponding to the preference information.

5. The acquisition unit is Further obtaining personality information regarding the user's personality, including strength, seriousness, and shopping tendency; The suggestion unit, The information processing apparatus according to claim 1 , further comprising: determining a content and a method of expression of the proposed information based on the personality information.

6. The acquisition unit is The information processing device according to claim 5 , further comprising: acquiring a reaction of the user to the suggested information; and acquiring, as the personality information, a personality estimated based on the acquired reaction.

7. The acquisition unit is The information processing apparatus according to claim 1 , further comprising: acquiring the promise information indicating that the user promises to execute the proposed information proposed by the suggestion unit.

8. The acquisition unit is Further acquiring performance information regarding the success or failure of the past promise information; The suggestion unit, The information processing apparatus according to claim 1 , wherein the proposed information is proposed at a frequency based on the performance information.

9. The acquisition unit is acquiring the promise information including confidence information indicating a degree of confidence of the user in the promise estimated based on a keyword included in the voice information input via the terminal device; The suggestion unit, The information processing device according to claim 1 , wherein the suggested information is proposed at a frequency based on the degree of confidence indicated in the confidence information.

10. The collecting unit includes: The information processing apparatus according to claim 1 , wherein the balance information includes the amount of the balance and at least one of information on a type of item related to the balance, a frequency at which the balance occurred, a date and time at which the balance occurred, and a location at which the balance occurred.

11. The collecting unit includes: 2 . The information processing apparatus according to claim 1 , further comprising: calculating a balance for each balance type between the balance information for a current predetermined period and the balance information for a past predetermined period; and acquiring information regarding a difference between the calculated balances as the balance information.

12. The acquisition unit is Further acquiring attribute information of the user; The suggestion unit, The information processing apparatus according to claim 1 , wherein the proposed information is proposed based on a result of a comparison of the balance amount between the balance information of another user having similar attribute information and the balance information of the user.

13. a setting unit that sets a personality of the virtual subject based on information selected from a plurality of options by the user via the terminal device, The suggestion unit, The information processing device according to claim 1 , wherein the proposed information is proposed in accordance with contents and an expression method according to the personality of the virtual subject set by the setting unit.

14. Executed by a processor, a collection step of collecting balance information relating to the user's balance, the information including the amount of the balance; an acquisition step of acquiring promise information in which the user has promised to save on the balance of the virtual subject displayed on a display unit of a terminal device possessed by the user; a suggestion step of suggesting to the user, when it is determined based on the income and expenditure information that there is an expenditure equal to or greater than a threshold and it is determined based on the promise information that the promise has not been kept, the suggestion step of suggesting to the user information encouraging saving on the income and expenditure; An information processing method comprising:

15. a collection step for collecting financial information relating to a user's financial statements, the financial information including financial amounts; an acquisition step of acquiring promise information in which the user has promised to save on the balance of the virtual subject displayed on a display unit of a terminal device possessed by the user; a suggestion step of suggesting to the user, when it is determined based on the income and expenditure information that there is an expenditure equal to or greater than a threshold and it is determined based on the promise information that the promise has not been kept, the suggestion step of suggesting to the user information that encourages saving on the income and expenditure; An information processing program that causes a computer to execute the above.

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