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

Abstract

The present technology relates to an information providing device, an information providing method, a program, and an information processing terminal, with each of which it is possible to easily acquire information pertaining to the asset management of individuals. The information providing device: manages information which is transmitted from a first terminal and which pertains to the consent to providing financial transaction information about a financial transaction between a first user and a financial institution, information which is transmitted from the first terminal and which pertains to the selection of a disclosure destination of the financial transaction information, and asset management information which contains the financial transaction information that the first user has consented to provide; provides the asset management information to a service providing device which is selected as the disclosure destination; generates information which pertains to the UI of a browsing page based on the asset management information; transmits information which pertains to the UI of the browsing page to a second terminal in response to a request from the second terminal used by a second user; manages the usage status of the UI of the browsing page by the second terminal; and transmits, to the first terminal, information which pertains to the profit to be returned to the first user, depending on the usage status. The present technology can be applied to an asset management information providing system.

Description

[Technical field]

[0001] The present technology relates to an information providing device and method, a program, and an information processing terminal, and in particular to an information providing device and method, a program, and an information processing terminal that enable easy acquisition of information regarding personal asset management. [Background technology]

[0002] Asset management for individuals (savings, foreign currency deposits, savings-type life insurance, government bonds, stocks, FX, cryptocurrency, real estate, etc.) is becoming increasingly important. In response to this, for example, a system has been proposed that predicts the future asset status of a customer and enables effective advice to the customer (see Patent Document 1).

[0003] In times like these, there is a demand to know and use as reference the investment methods and techniques used by people who have been successful and those who have not managed their assets, and the process by which they built their assets using those investment methods and techniques. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2019-211995 A Summary of the Invention [Problem to be solved by the invention]

[0005] However, investment methods and techniques used by individuals to manage their assets and the process of managing their assets are not usually disclosed because they are personal information or confidential information (or information close to confidential information).

[0006] The present technology has been developed in light of these circumstances, and makes it possible to easily obtain information regarding an individual's asset management. [Means for solving the problem]

[0007] The information providing device of the first aspect of the present technology includes an information management unit that manages information regarding consent to the provision of financial transaction information between a first user and a financial institution, and information regarding the selection of a destination to which the financial transaction information is to be disclosed, which are sent from a first terminal, as well as asset management information including the financial transaction information that the first user has consented to being provided, an information providing unit that provides the asset management information to the service providing device selected as the destination to which the financial transaction information is to be disclosed, a generation unit that generates information regarding a UI of a viewing page based on the asset management information, a transmission unit that transmits information regarding the UI of the viewing page to the second terminal in response to a request from a second terminal used by a second user, and a revenue return unit that manages usage status of the UI of the viewing page by the second terminal and transmits information regarding revenue to be returned to the first user in accordance with the usage status to the first terminal.

[0008] In a first aspect of the present technology, information regarding consent to the provision of financial transaction information between a first user and a financial institution, information regarding the selection of a disclosure destination of the financial transaction information, and asset management information including the financial transaction information that the first user consented to be provided are managed, and the asset management information is provided to a service providing device selected as the disclosure destination. Then, information regarding the UI of a browsing page based on the asset management information is generated, and in response to a request from a second terminal used by a second user, information regarding the UI of the browsing page is transmitted to the second terminal, the usage status of the UI of the browsing page by the second terminal is managed, and information regarding the profit to be returned to the first user in accordance with the usage status is transmitted to the first terminal.

[0009] The information processing terminal of the second aspect of the present technology includes a provision consent unit that obtains consent to the provision of financial transaction information between the user and a financial institution from the user based on a user operation, a transmission unit that transmits information regarding the consent and information regarding a selection of a disclosure destination of the financial transaction information to an information providing device, and a UI of a browsing page based on asset management information including the financial transaction information, information regarding the consent, and information regarding a selection of a disclosure destination of the financial transaction information, by another information processing terminal. Usageand a receiving unit that receives, from the information providing device, information regarding a profit to be given to the user in response to the purchase.

[0010] In a second aspect of the present technology, consent to the provision of financial transaction information between the user and a financial institution is obtained from the user based on a user operation. Then, information regarding the consent and information regarding the selection of a disclosure destination of the financial transaction information are transmitted to an information providing device, and the financial transaction information, the information regarding the consent, and the information regarding the selection of a disclosure destination of the financial transaction information are transmitted to an information providing device, and a UI of a browsing page based on asset management information including the financial transaction information, the information regarding the consent, and the information regarding the selection of a disclosure destination of the financial transaction information are displayed by another information processing terminal. Usage Information regarding the profit to be given to the user in response to the request is received from the information providing device. [Brief description of the drawings]

[0013] [Figure 1] 1 is a diagram showing a configuration of an embodiment of an asset management information providing system to which the present technology is applied. [Diagram 2] 2 is a block diagram showing an example of the hardware configuration of a user terminal 11. FIG. [Diagram 3] 2 is a block diagram showing an example of a functional configuration of a user terminal 11. FIG. [Figure 4] 2 is a block diagram showing an example of a functional configuration of a financial institution server 12. FIG. [Diagram 5] FIG. 13 is a block diagram showing an example of the functional configuration of the information bank / asset management server 13. [Figure 6] 13 is a diagram showing information stored in a DB managed by an information management unit 62. FIG. [Figure 7] 2 is a block diagram showing an example of the functional configuration of a service business server 14. FIG. [Figure 8] 2 is a block diagram showing an example of a functional configuration of a user terminal 15. FIG. [Figure 9] 11 is a flowchart illustrating the processing of the asset management information providing system. [Figure 10] 10 is a flowchart illustrating the processing of the asset management information providing system, following the flowchart shown in FIG. 9. [Figure 11] FIG. 2 is a diagram showing an example of the configuration of asset management information. [Figure 12] FIG. 13 is a diagram showing an example of a UI screen of an asset management information viewing page. [Figure 13] FIG. 13 is a diagram showing an example of a UI screen for a PFM contract. [Figure 14] FIG. 13 is a diagram showing another example of a UI screen for a PFM contract. [Figure 15] FIG. 13 is a diagram showing an example of a UI screen for consenting to the provision of personal information. [Figure 16] FIG. 13 is a diagram showing another example of a UI screen for consenting to the provision of personal information. [Figure 17] FIG. 13 is a diagram showing an example of a UI screen for user registration for viewing asset management information. [Figure 18] FIG. 13 is a diagram showing a modified example of the UI screen of the asset management information viewing page of FIG. [Figure 19] FIG. 13 is a diagram showing an example of a UI screen for notifying a revenue return. [Figure 20] 13 is a flowchart explaining connection processing by the information bank / asset management server 13. [Figure 21] 21 is a flowchart illustrating connection processing by information bank / asset management server 13, following FIG. 20. [Figure 22] 13 is a diagram showing an example of a UI screen displayed on a user terminal 15. FIG. [Figure 23] 13 is a diagram showing another example of a UI screen displayed on the user terminal 15. FIG. [Figure 24] 13 is a diagram showing an example of a UI screen displayed on the user terminal 11. FIG. [Diagram 25] 13 is a diagram showing another example of a UI screen displayed on the user terminal 11. FIG. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0014] Hereinafter, an embodiment of the present technology will be described in the following order. 1. First embodiment (asset management information providing system) 2. Second embodiment (Interaction between information providing user and browsing user) 3.Other

[0015] <1. First embodiment (asset management information providing system)> (Example of asset management information system configuration) FIG. 1 is a diagram showing the configuration of an embodiment of an asset management information providing system to which the present technology is applied.

[0016] The asset management information providing system 1 in Fig. 1 is a system in which a user (individual) discloses his / her asset status, investment methods, techniques, etc., and other users can view the information, thereby returning profits to the user. Note that the user is an individual, but may also be a corporation.

[0017] Specifically, the asset management information providing system 1 applies a PFM (Personal Financial Management) service and an information bank system structure. PFM is a service for efficiently planning and managing assets by centrally aggregating account information of various financial institutions provided via the Internet, such as bank deposits, securities, credit cards, and insurance. An information bank is a system structure that appropriately manages and operates data that users have agreed to provide. A financial institution is an organization that conducts business related to financial transactions. Financial institutions include, for example, banks, insurance companies, credit unions, small and medium-sized enterprise financial institutions, agricultural, forestry, and fisheries financial institutions, securities companies, non-banks, investment trust management companies, and cryptocurrency management companies.

[0018] The asset management information providing system 1 comprises a user terminal 11, financial institution servers 12-1 to 12-n, an information bank / asset management server 13, service business servers 14-1 to 14-n, and user terminals 15-1 to 15-n.

[0019] The user terminal 11, financial institution servers 12-1 to 12-n, information bank / asset management server 13, service business servers 14-1 to 14-n, and user terminals 15-1 to 15-n are connected to each other via the Internet 16. In the asset management information providing system 1, the exchange of information between each device is performed via the Internet 16.

[0020] The financial institution servers 12-1 to 12-2, the service business servers 14-1 to 14-n, and the user terminals 15-1 to 15-n are collectively referred to as the financial institution server 12, the service business server 14, and the user terminal 15, respectively, when there is no need to distinguish between them.

[0021] The user terminal 11 is composed of a personal computer, a tablet terminal, a smartphone, etc. The user terminal 11 is used by a user who agrees to provide financial transaction information (hereinafter referred to as an information providing user). The financial transaction information includes, for example, financial transaction amount, financial transaction date and time, and financial transaction type. The financial transaction type includes, for example, stocks, investment trusts, real estate, cryptocurrency, etc.

[0022] The information providing user operates user terminal 11 to execute a process for entering into a PFM contract with financial institution server 12 of a desired financial institution, thereby entering into a PFM contract with at least one financial institution. By entering into a PFM contract, user terminal 11 obtains financial transaction information from financial institution server 12 of the financial institution with which the PFM contract has been entered into.

[0023] The information providing user consents to the provision of personal information regarding financial transaction information, and inputs information regarding consent to the provision of personal information (hereinafter referred to as "information regarding consent") into the user terminal 11. In response to this, the user terminal 11 transmits the information regarding consent to the financial institution server 12 with which the PFM contract has been concluded, and the information bank / asset management server 13.

[0024] At that time, the information providing user selects a service provider to which the information providing user's personal information will be disclosed and inputs the information providing user's attribute information into user terminal 11. Information relating to the selection of the disclosure recipient and the information providing user's attribute information are transmitted by user terminal 11 to information bank / asset management server 13 as related information to financial transaction information. Although only one user terminal 11 is shown in Fig. 1, the system is actually made up of multiple user terminals 11, one for each information providing user who uses the system.

[0025] Financial institution server 12-1 is a server that manages information about Bank A. Financial institution server 12-2 is a server that manages information about Bank B. Financial institution server 12-3 is a server that manages information about Securities Company C. Financial institution server 12-4 is a server that manages information about Cryptocurrency G.

[0026] The financial institution server 12 transmits financial transaction information of the information providing user to the user terminal 11 of the information providing user who has concluded a PFM contract.

[0027] The financial institution server 12 also receives information regarding consent sent from the user terminal 11 of the information providing user who has concluded a PFM contract. The financial institution server 12 transmits financial transaction information of the information providing user who has agreed to the information bank / asset management server 13.

[0028] An information bank / asset management platform is built on information bank / asset management server 13. That is, information bank / asset management server 13 applies the PFM service and the system structure of the information bank, and with the consent of the information providing user, receives financial transaction information and related information transmitted from financial institution server 12, and stores it in a database as asset management information. The fund management information is information related to fund management that includes financial transaction information transmitted from financial institution server 12 and information related to the financial transaction information transmitted from financial institution server 12 or user terminal 11.

[0029] Information bank / asset management server 13 has previously performed the process of concluding a contract for BigData utilization, which utilizes the databased asset management information as BigData, and a contract for advertising utilization in asset management information provision system 1 with the service business server 14 of the service provider. Information bank / asset management server 13 transmits asset management information to the service business server 14 of the service provider based on information regarding the disclosure selection of the information providing user, among the service providers with whom the contract for BigData utilization has already been concluded.

[0030] Furthermore, information bank / asset management server 13 generates a UI (User Interface) for the viewing page of asset management information and transmits information about the UI to user terminal 15, thereby providing a UI screen of the viewing page of asset management information to a user who has registered as a user (hereinafter referred to as the viewing user). The UI of the viewing page is the UI of a page provided for the viewing user to view asset management information provided by information bank / asset management server 13. Information bank / asset management server 13 receives a request for a viewing page desired by the viewing user and transmitted from user terminal 15. Information bank / asset management server 13 transmits information about the UI of the viewing page for which the request was received to user terminal 15.

[0031] In information bank / asset management server 13, the system structure of an information bank is applied in order to return profits to information providing users. By applying the system structure of an information bank, information bank / asset management server 13 transmits, for example, user attribute information, which is anonymized information that identifies individuals among asset management information, to service business server 14 and provides it to the service provider. The provided asset management information is used by the service provider as marketing information for Big Data analysis. As a result, information bank / asset management server 13 can obtain profits from the service provider and can return a portion of the profits obtained by providing asset management information to the service provider to the information providing users.

[0032] In addition, a portion of the profits returned for the provision of asset management information may be changed according to the usage status of the UI of the viewed page, which is information indicating that the UI of the viewed page has been used by the viewing user. The usage status of the UI of the viewed page includes information on users obtained from logs, etc. (registered participants, number of active users (those who viewed at least once a week, those who posted at least once a month, etc.), number of guest visitors) and information on the usage status obtained from questionnaire surveys, etc. (number of accesses, page views).

[0033] In addition, sources of income for the asset management information providing system 1 include (1) income from providing and using financial BigData to service providers, (2) advertising fees displayed on the UI screen of the asset management information viewing page, and (3) charges from browsing users. In addition, advertising fees for displaying advertisements on the UI screen may be received not only from service providers but also from financial institutions by entering into a contract in advance.

[0034] The service business server 14 is a server that manages information on service providers. The service business server 14 executes a process of concluding a contract in advance, thereby utilizing the asset management information transmitted from the information bank / asset management server 13 as BigData, and performs a process of paying the usage fee for the BigData to the information bank / asset management server 13. The service business server 14 also executes a process of concluding a contract in advance, thereby transmitting data of a desired advertisement image in order to utilize an advertisement space provided on the UI screen of the asset management information viewing page provided by the information bank / asset management server 13, and performing a process of paying the usage fee for the advertisement to the information bank / asset management server 13. The above-mentioned BigData utilization and advertisement utilization may be performed by the same service business server 14, or the BigData utilization and advertisement utilization may be performed by different service business servers 14.

[0035] The user terminal 15 is composed of a personal computer, a tablet terminal, a smartphone, etc. The user terminal 15 is used by a viewing user who views the UI screen of the viewing page of the asset management information provided by the asset management information providing system 1.

[0036] User terminal 15 performs user registration processing to view asset management information of information bank / asset management server 13, and receives information related to the UI of the viewing page for asset management information transmitted by information bank / asset management server 13. User terminal 15 displays a UI screen corresponding to the received UI information, allowing the viewing user to view the UI screen of the viewing page provided by information bank / asset management server 13. It is also possible to charge a fee for this viewing by the viewing user depending on the situation.

[0037] In addition, in the asset management information providing system 1, as an example of a UI, the mechanisms of existing SNS (Social Networking Service) and household accounting applications may be applied.

[0038] In this asset management information providing system 1, a viewing user can refer to investment examples of a plurality of information providing users, and the information providing user receives a return in accordance with the usage of financial transaction information by the plurality of viewing users.

[0039] Therefore, the asset management information providing system 1 configured as above allows the viewing user to easily obtain information regarding personal asset management. This allows the viewing user to refer to investment techniques for personal asset management.

[0040] <User terminal configuration> FIG. 2 is a block diagram showing an example of the hardware configuration of the user terminal 11. As shown in FIG.

[0041] A central processing unit (CPU) 21, a read only memory (ROM) 22, and a random access memory (RAM) 23 are interconnected by a bus 24. An input / output interface 25 is further connected to the bus 24.

[0042] To the input / output interface 25, an input unit 26, an output unit 27, a storage unit 28, a communication unit 29, and a drive 30 are connected.

[0043] An input unit 26 including a keyboard, a mouse, etc., and an output unit 27 including a display, a speaker, etc. are connected to the input / output interface 25. Also connected to the input / output interface 25 are a storage unit 28 including a hard disk, a non-volatile memory, etc., a communication unit 29 including a network interface with each device connected via the Internet 16, etc., and a drive 30 that drives a removable medium 31.

[0044] In the computer configured as above, the CPU 21 loads a program stored in the storage unit 28 into the RAM 23 via the input / output interface 25 and the bus 24 and executes the program, thereby performing a series of processes.

[0045] The financial institution server 12, the information bank / asset management server 13, the service business server 14, and the user terminal 15 also have the same configuration as that shown in FIG.

[0046] <Functional configuration of user terminal> FIG. 3 is a block diagram showing an example of the functional configuration of the user terminal 11. As shown in FIG.

[0047] The functional configuration shown in FIG. 3 is realized by the CPU 21 in FIG. 2 executing a predetermined program.

[0048] In FIG. 3, the user terminal 11 includes a control unit 41, an information provision consent unit 42, a revenue management unit 43, and a display control unit 44.

[0049] The control unit 41 controls each unit of the user terminal 11. For example, the control unit 41 performs a process of concluding a PFM contract with the financial institution server 12 of the information providing user's desired financial institution based on the operation of the information providing user. Furthermore, the control unit 41 approves an exchange (communication) on F_SNS (Finance_SNS) requested by the viewing user's user terminal 15 via the information bank / asset management server 13 in response to the operation of the information providing user. This allows the information providing user and the viewing user to exchange on the F_SNS. The F_SNS is an SNS provided by the information bank / asset management server 13 so that the information providing user and the viewing user can directly exchange, for example, by chat.

[0050] The information provision consent unit 42 generates information regarding consent for consenting to the provision of personal information regarding financial transaction information in response to an operation of the information providing user. At that time, the information provision consent unit 42 also generates information regarding the attribute information of the information providing user inputted to the user terminal 11 by the operation of the information providing user and information regarding the selection of the disclosure destination.

[0051] The information provision consent unit 42 transmits information regarding the consent to the financial institution server 12 of the financial institution with which the information providing user has concluded a PFM contract. The information provision consent unit 42 transmits information regarding the consent to the information bank / asset management server 13. At that time, the information provision consent unit 42 transmits the information providing user's attribute information and information regarding the selection of the disclosure destination to the information bank / asset management server 13 as related information of the financial transaction information.

[0052] The revenue management unit 43 receives financial transaction information provided from the financial institution server 12 of the financial institution with which the information providing user has concluded a PFM contract, manages the financial transaction information, and manages the information providing user's revenue obtained through financial transactions, etc. The revenue management unit 43 also receives information regarding revenue transmitted from the information bank / asset management server 13, and manages the information providing user's revenue obtained through the provision of information, etc.

[0053] The display control unit 44 receives information related to the UI transmitted from the financial institution server 12 or the information bank / asset management server 13. The display control unit 44 controls the display of a UI screen corresponding to the received information related to the UI.

[0054] <Functional configuration of financial institution server> FIG. 4 is a block diagram showing an example of the functional configuration of financial institution server 12. As shown in FIG.

[0055] The functional configuration shown in FIG. 4 is realized by the CPU 21 in FIG. 2 executing a predetermined program.

[0056] In FIG. 4, financial institution server 12 comprises control unit 51 and financial transaction information DB 52.

[0057] The control unit 51 controls each unit of the financial institution server 12. For example, the control unit 51 performs a process of concluding a PFM contract between the user terminal 11 and the information providing user, and stores attribute information of the information providing user in the financial transaction information DB 52. The control unit 51 transmits financial transaction information of the information providing user extracted from the financial transaction information DB 52 to the user terminal 11.

[0058] When the control unit 51 receives information regarding consent sent from the user terminal 11, it extracts the financial transaction information agreed to by the information providing user from the financial transaction information DB 52 and transmits the extracted financial transaction information to the information bank / asset management server 13.

[0059] The financial transaction information DB 52 stores and manages financial transaction information in financial institutions and attribute information of information providing users.

[0060] <Functional configuration of the information bank and asset management server> FIG. 5 is a block diagram showing an example of the functional configuration of the information bank / asset management server 13.

[0061] In FIG. 5, information bank / asset management server 13 is composed of a control unit 61, an information management unit 62, a UI generation unit 63, an information provision unit 64, an advertising data management unit 65, a browsing user management unit 66, a browsing information management unit 67, a revenue return management unit 68, and a connection control unit 69.

[0062] The control unit 61 controls each unit of the information bank / asset management server 13. For example, the control unit 61 receives information regarding consent, attribute information of the information providing user, and information regarding selection of disclosure destinations transmitted from the user terminal 11, and outputs it to the information management unit 62. The control unit 61 also receives financial transaction information of the information providing user transmitted from the financial institution server 12, and outputs it to the information management unit 62.

[0063] In addition, the information bank / asset management server 13 receives the attribute information of the information providing user and information regarding the selection of the disclosure destination as related information of the financial transaction information.

[0064] The information management unit 62 has an asset management information DB 71 that includes personal information and an asset management information DB 72 that does not include personal information. The information management unit 62 manages the information on consent supplied from the control unit 61, the financial transaction information of the information providing user, and information related to the financial transaction information as asset management information. The information management unit 62 manages the asset management information in the above-mentioned two types of DBs depending on the presence or absence of personal information.

[0065] The UI generation unit 63 generates UIs such as a user registration page for viewing asset management information and a viewing page for asset management information, and manages information related to the generated UIs. The UI generation unit 63 transmits information related to the UI of a page desired by a viewing user to the user terminal 15. The UI generation unit 63 also generates a UI for F_SNS, which is a place where information providing users and viewing users directly communicate with each other. The UI generation unit 63 transmits information related to the generated UI to the user terminal 11 or the user terminal 15.

[0066] The information providing unit 64 performs a process of concluding a contract for BigData utilization with the service business server 14 of the service provider requesting BigData utilization. In response to a request from the service business server 14 of the service provider with whom the contract has been concluded, the information providing unit 64 transmits asset management information within the range (age, period, gender, etc.) desired by the service provider with whom the contract has been concluded from among the asset management information managed by the information management unit 62.

[0067] At that time, the information providing unit 64 provides asset management information of the information providing user who has selected the service provider with which the contract has been concluded as a disclosure recipient. The information providing unit 64 receives a usage fee from the service business server 14 that has received the asset management information.

[0068] The advertisement data management unit 65 performs processing to conclude an advertisement utilization contract with the service business server 14 of the service provider requesting advertisement utilization. The advertisement data management unit 65 receives advertisement image data and a usage fee from the service business server 14 of the service provider with which the contract has been concluded. The advertisement data management unit 65 manages the advertisement image data received from the service business server 14.

[0069] The browsing user management unit 66 manages attribute information and the like of browsing users who have registered and are sent from the user terminal 15 .

[0070] The viewing information management unit 67 manages information related to viewing of the asset management information of the information bank / asset management server 13. Information related to viewing of the asset management information includes, for example, the usage status of the viewed page of the asset management information (the number of times the graph or information on the viewed page was viewed, the number of reviews of the viewed page, the number of viewing users who followed the information providing user), evaluation of the history and content of exchanges between the information providing user and the viewing user on the F_SNS, the evaluation of the information providing user, the evaluation of the viewing user, etc.

[0071] The revenue return management unit 68 calculates and manages the revenue to be returned to the information providing user. The revenue to be returned to the information providing user is calculated based on, for example, the number of times the asset management information of the information providing user is used by the service provider, the usage fee, and information on the viewing of the asset management information managed by the viewing information management unit 67, such as the usage status of the viewing page of the asset management information, and information particularly related to the information providing user (number of reviews, number of views, evaluation). The revenue return management unit 68 transmits the calculated information on the revenue to the user terminal 11 of the information providing user.

[0072] When a request is made from the user terminal 15 of the viewing user to communicate with the information providing user on the F_SNS, the connection control unit 69 connects the user terminal 11 and the user terminal 15 on the F_SNS to provide a place for communication between the information providing user and the viewing user (F_SNS). Communication on the F_SNS is carried out for a preset period of time. When a request is made from the user terminal 15 of the viewing user to extend the communication, the connection control unit 69 extends the time of communication on the F_SNS in accordance with the approval of the information providing user transmitted from the user terminal 11.

[0073] <Example of DB configuration managed by the Information Management Department> FIG. 6 is a diagram showing information stored in a DB managed by the information management unit 62. As shown in FIG.

[0074] The information management unit 62 manages an asset management information DB 71 that includes personal information and an asset management information DB 72 that does not include personal information.

[0075] The asset management information DB71 including personal information stores financial transaction information of the information providing user (purchase history, trading history, asset transition), information related to the financial transaction information such as attribute information of the information providing user, behavioral information of the information providing user, etc. Furthermore, the asset management information DB71 including personal information stores information regarding consent to Follow, which indicates whether the information providing user permits the viewing user to Follow, etc.

[0076] The asset management information DB72, which does not include personal information, stores the names of financial institutions that provided financial transaction information (Bank A, Securities Company C, Cryptocurrency G, etc.), daily trend data of the Nikkei Stock Average, and the like.

[0077] <Functional configuration of the service business server> FIG. 7 is a block diagram showing an example of the functional configuration of the service provider server 14. As shown in FIG.

[0078] The functional configuration shown in FIG. 7 is realized by the CPU 21 in FIG. 2 executing a predetermined program.

[0079] In FIG. 7, the service business server 14 includes a control unit 81, a BigData management DB 82, and an advertisement management DB 83.

[0080] The control unit 81 controls each unit of the service business server 14. For example, the control unit 81 performs processing to conclude a contract in advance with the information bank / asset management server 13 and requests the provision of asset management information, thereby storing the asset management information transmitted from the information bank / asset management server 13 in the BigData management DB 82. The control unit 81 utilizes the financial transaction information stored in the BigData management DB 82 as BigData. The control unit 81 performs processing to pay the usage fee for BigData to the information bank / asset management server 13.

[0081] Control unit 81 also performs processing to conclude a contract in advance with information bank / asset management server 13. Control unit 81 provides information bank / asset management server 13 with data of desired advertisement images stored in advertisement management DB 83 in order to utilize advertisement space provided on the UI screen of the browsing page provided by information bank / asset management server 13. Control unit 81 performs processing to pay the advertisement usage fee to information bank / asset management server 13.

[0082] The BigData management DB 82 stores and manages asset management information as BigData.

[0083] The advertisement management DB 83 stores and manages data on advertisement images of service providers.

[0084] <Functional configuration of user terminal> FIG. 8 is a block diagram showing an example of the functional configuration of the user terminal 15. As shown in FIG.

[0085] The functional configuration shown in FIG. 8 is realized by the CPU 21 in FIG. 2 executing a predetermined program.

[0086] In FIG. 8, the user terminal 15 includes a control unit 91 and a display control unit 92.

[0087] The control unit 91 controls each unit of the user terminal 15. For example, the control unit 91 accesses the information bank / asset management server 13 in response to the operation of the viewing user, and performs user registration processing for viewing asset management information in the information bank / asset management server 13. The control unit 91 accesses the information bank / asset management server 13, and makes a viewing request for the desired viewing page of the asset management information.

[0088] The control unit 91 also requests an exchange with the user terminal 11 of the desired information providing user via the information bank / asset management server 13. By obtaining approval for the exchange from the information providing user from the user terminal 11, the control unit 91 allows the viewing user to exchange with the information providing user on the F_SNS provided by the information bank / asset management server 13.

[0089] The display control unit 92 receives information about the UI transmitted from the information bank / asset management server 13, and controls the display of the UI screen corresponding to the received information about the UI.

[0090] <Asset management information system processing> 9 and 10 are flowcharts illustrating the processing of the asset management information provision system 1. FIG.

[0091] 9, in step S11, the information provider 64 of the information bank / asset management server 13 performs processing to conclude a contract for the use of Big Data with the control unit 81 of the service business server 14. In addition, the advertising data management unit 65 of the information bank / asset management server 13 performs processing to conclude a contract for the use of advertising with the control unit 81 of the service business server 14.

[0092] In step S12, the control unit 41 of the user terminal 11 performs processing for concluding a PFM contract with the financial institution server 12 desired by the information providing user in response to an operation by the information providing user.

[0093] In step S13, the control unit 51 of the financial institution server 12 transmits financial transaction information to the user terminal 11 of the information providing user who has concluded the PFM contract. At this time, the control unit 51 also transmits to the user terminal 11 credibility assurance information that guarantees the authenticity of the financial transaction information.

[0094] The credibility assurance information is, for example, the name of the financial institution providing the financial transaction information and the rating information of the financial institution. The revenue management unit 43 receives the financial transaction information and the credibility assurance information provided by the financial institution server 12 of the financial institution that has concluded the PFM contract, and manages the financial transaction information and the credibility assurance information.

[0095] In step S14, when the information providing user consents to the provision of personal information regarding financial transaction information, the information provision consent unit 42 of the user terminal 11 generates information regarding consent. At that time, the information provision consent unit 42 generates information regarding the attribute information of the information providing user and the selection of the disclosure destination in response to the operation of the information providing user.

[0096] In step S15, the information provision consent unit 42 of the user terminal 11 transmits information regarding the consent to the financial institution server 12 of the financial institution with which the PFM contract has been concluded.

[0097] In step S16, the information provision consent unit 42 of the user terminal 11 transmits information regarding the consent to the information bank / asset management server 13. At that time, the information regarding the selection of the disclosure recipient generated in step S14 and the attribute information of the information providing user are transmitted to the information bank / asset management server 13 as related information of the financial transaction information.

[0098] In step S17, when the control unit 51 of the financial institution server 12 receives the information regarding consent transmitted from the user terminal 11, it extracts the financial transaction information agreed to by the information providing user from the financial transaction information DB 52. The control unit 51 transmits the extracted financial transaction information to the information bank / asset management server 13. At this time, the credibility assurance information is also transmitted to the information bank / asset management server 13 as related information of the financial transaction information.

[0099] In step S18, the information management unit 62 of the information bank / asset management server 13 manages the received information on consent, the information providing user's financial transaction information, and related information on the financial transaction information, including the information providing user's attribute information, information on the selection of disclosure recipients, and credibility assurance information, as asset management information. At this time, the information management unit 62 registers and manages the asset management information in an asset management information DB 71 including personal information and an asset management information DB 72 not including personal information, depending on whether or not personal information is included.

[0100] 10, the control unit 81 of the service business server 14 requests the information bank / asset management server 13 to provide asset management information. The control unit 81 also provides data of a desired advertisement image stored in the advertisement management DB 83 to the information bank / asset management server 13. At that time, the control unit 81 performs processing to pay the information bank / asset management server 13 the advertisement usage fee.

[0101] In step S20, the information providing unit 64 of the information bank / asset management server 13 transmits asset management information and credibility assurance information to the extent desired by the service provider with whom the contract has been concluded, from among the asset management information managed by the information management unit 62. At that time, the information providing unit 64 provides asset management information of the information providing user who has selected the service provider as the disclosure recipient, based on information regarding the selection of the disclosure recipient.

[0102] The control unit 81 of the service business server 14 stores the asset management information transmitted from the information bank / asset management server 13 in the BigData management DB 82.

[0103] In step S21, the control unit 81 of the service business server 14 performs a process of paying the information bank / asset management server 13 the usage fee for the received asset management information.

[0104] The information provider 64 of the information bank / asset management server 13 performs processing to receive the usage fee from the service provider server 14.

[0105] In step S22, UI generation unit 63 of information bank / asset management server 13 generates a UI for the asset management information viewing page and manages information related to the generated UI. In addition, viewing information management unit 67 manages information related to viewing of asset management information on information bank / asset management server 13 (number of views, number of reviews, etc.).

[0106] In step S23, the control unit 91 of the user terminal 15 accesses the information bank / asset management server 13 in response to the operation of the viewing user. In response to this, information regarding the UI of the user registration page for viewing the asset management information is transmitted from the information bank / asset management server 13. The control unit 91 receives the information regarding the UI of the user registration page for viewing the asset management information, and causes the display control unit 92 to display a UI screen corresponding to the received UI information. In response to the operation of the viewing user, the control unit 91 transmits the viewing user's attribute information and the like together with a user registration request to the information bank / asset management server 13. As a result, the viewing user is registered in the information bank / asset management server 13.

[0107] The browsing user management unit 66 of the information bank / asset management server 13 performs user registration processing in response to a request sent from the user terminal 15, and manages attribute information and the like of the browsing user who has registered.

[0108] In step S24, the control unit 91 of the user terminal 15 accesses the information bank / asset management server 13 and requests the user to view a desired page of asset management information. Note that the information bank / asset management server 13 may, depending on the situation, charge a fee for each viewed page, for example.

[0109] In step S25, the UI generation unit 63 of the information bank / asset management server 13 transmits information about the UI of the page desired by the viewing user to the user terminal 15. At that time, the viewed information management unit 67 updates information about the viewing of the asset management information of the information bank / asset management server 13.

[0110] The display control unit 92 of the user terminal 15 receives information about the UI of the page to be viewed sent from the information bank / asset management server 13, and controls the display of the UI screen corresponding to the received UI information.

[0111] In step S26, the revenue return management unit 68 of the information bank / asset management server 13 calculates the revenue to be returned to the information providing user, for example, based on the income (usage fee) from the service provider resulting from the use of the asset management information and the usage status of the UI of the viewed page by the viewing user (number of reviews and number of views). The revenue return management unit 68 transmits information regarding the calculated revenue to the user terminal 11 of the information providing user. The revenue management unit 43 of the user terminal 11 receives the information regarding the revenue transmitted from the information bank / asset management server 13, and manages the revenue of the information providing user obtained by providing information, etc.

[0112] <Asset management information configuration> Fig. 11 is a diagram showing an example of the configuration of asset management information managed by the information bank / asset management server 13. In Fig. 11, information on one information providing user is shown, but in reality, information on other information providing users is also managed in the same way.

[0113] The asset management information consists of an ID number (ID#), information provider, the industry of the information provider, transaction type, transaction date and time, and transaction amount (yen).

[0114] The asset management information with ID number 001 has an information source of Bank A, an information source industry of banking, a transaction type of investment trust, a transaction date and time of 2019 / 10 / 16 14:02:25, and a transaction amount of 300,000 yen for purchase.

[0115] The asset management information with ID number 002 has an information source of Bank B, an information industry of banking, a transaction type of stocks, a transaction date and time of 2019 / 11 / 16 14:02:25, and a transaction amount of 100,000 yen for purchase.

[0116] The asset management information with ID number 003 has the following characteristics: the information provider is Securities Company C, the information provider's industry is Securities Company, the transaction type is Investment Trust, the transaction date and time is 2019 / 12 / 16 14:02:25, and the transaction amount is 100,000 yen in sales.

[0117] The asset management information with ID number 004 has an information source of Securities Company C, an information source industry of Securities Company, a transaction type of Stocks, a transaction date and time of 2019 / 12 / 16 14:32:25, and a transaction amount of 200,000 yen (purchase).

[0118] The asset management information with ID number 005 has an information source of Cryptocurrency G, an information source industry of Cryptocurrency Exchange, a transaction type of Cryptocurrency, a transaction date and time of 2019 / 12 / 28 14:02:25, and a transaction amount of 50,000 yen (purchase).

[0119] The asset management information with ID number 006 has an information source of Bank A, an information source industry of banking, a transaction type of credit card withdrawal, a transaction date and time of 2020 / 01 / 05 14:02:25, and a transaction amount of 70,000 yen for purchase.

[0120] The asset management information with ID number 007 has an information source of securities company C, an information source industry of securities company, a transaction type of stocks, a transaction date and time of 2020 / 01 / 26 14:02:25, and a transaction amount of 70,000 yen in sales.

[0121] The asset management information with ID number 008 has an information source of Cryptocurrency G, an information source industry of Cryptocurrency exchange, a transaction type of cryptocurrency, a transaction date and time of 2020 / 02 / 16 14:02:25, and a transaction amount of 30,000 yen (purchase).

[0122] The asset management information with ID number 009 has an information source of Bank B, an information source industry of banking, a transaction type of foreign currency deposit, a transaction date and time of 2019 / 02 / 26 14:02:25, and a transaction amount of 80,000 yen for purchase.

[0123] The asset management information with ID number 010 has an information source of securities company C, an information source industry of securities company, a transaction type of stocks, a transaction date and time of 2020 / 03 / 26 14:02:25, and a transaction amount of 150,000 yen in sales.

[0124] <Example of the UI screen of the viewing page> FIG. 12 is a diagram showing an example of a UI screen of an asset management information viewing page.

[0125] In Fig. 12, a UI screen 101 of the viewed page is displayed. The UI screen 101 is, for example, an example of a UI screen of the viewed page of asset management information provided to the viewing user in step S25 of Fig. 10 described above. Information related to the UI transmitted from the information bank / asset management server 13 in response to a viewing request from the user terminal 15 by the operation of the viewing user is displayed on a display constituting the output unit 27 of the user terminal 15.

[0126] The UI screen 101 of the browse page is made up of a search query screen 101L that displays information about the search query (search conditions), and a search result screen 101R that displays information about the search results that match the search query.

[0127] The search formula screen 101L displays the target, period, and information source (information provider) set in the search formula. In the case of FIG. 12, the search formula screen 101L displays that the target of this search formula is investment balance (stocks + investment trusts), the period is October to December 2019, and the information source is Securities Company C.

[0128] A graph E1, a graph E2, a Follow button F1, a Follow button F2, and an advertisement A1 are displayed on the search result screen 101R.

[0129] Graph E1 is a graph showing the trend of investment balance in a successful investment case in which the investment balance increased the most from October to December 2019. In other words, a successful investment means that the investment balance increased. Graph E2 is a graph showing the trend of investment balance in a failed investment case in which the investment balance decreased the most from October to December 2019. In other words, a failed investment means that the investment balance decreased.

[0130] The Follow button F1 is a button for following the information-providing users of the investment cases in graph E1. By operating the Follow button, the browsing user can register the target information-providing user to their own account. As a result, the browsing user can continue to read the new posts (asset management information) of the target information-providing user. To the right of the Follow button F1, as View, the number 12,345, which is the number of times graph E1 has been viewed, is shown.

[0131] The Follow button F2 is a Follow button for following the information-providing users of the investment cases in graph E2. To the right of the Follow button F2, as View, the number 54,321, which is the number of times graph E2 has been viewed, is shown.

[0132] Advertisement A1 is an advertisement image corresponding to the data provided by the service business server 14 of the service provider that has pre-contracted for advertisement utilization by performing processing with the information bank and asset management server 13. For example, by pressing this advertisement A1, a page introducing the product shown in the advertisement may be displayed.

[0133] In Figure 12, graph E1 is surrounded by a thick line. This indicates that graph E1 has been selected by the operation of the browsing user.

[0134] When graph E1 is selected, as shown by the thick arrow, the detailed asset management information of the investment case represented by graph E1 is displayed. That is, in Figure 12, among the asset management information in Figure 11, only the asset management information of one information-providing user provided by securities company C, which is the information source and has a period from October to December 2019, is shown.

[0135] Although not shown, when graph E2 is selected, similar to the case of graph E1, the detailed asset management information of the investment case represented by graph E2 is displayed.

[0136] <Example of UI screen> Next, examples of UI screens of pages displayed in predetermined steps of the above-mentioned flowcharts will be described with reference to FIGS.

[0137] 13 and 14 are diagrams showing examples of UI screens in the PFM contract in step S12 in Fig. 9. Information relating to this UI is generated by the control unit 51 of the financial institution server 12, for example.

[0138] In FIG. 13, a UI screen W1 of an initial registration page and a UI screen W2 of a login page are shown.

[0139] UI screen W1 is an example of a UI screen for the initial registration page of a PFM contract. On UI screen W1, from the top, a title indicating that it is an "Initial Registration" page, a name input field, an email address input field, a date of birth input field, a password input field, and a registration button B1 are displayed.

[0140] The information providing user inputs his / her name, email address, date of birth, and password into each input field on the UI screen W1, and presses the registration button B1. In response to the information providing user's input, the user terminal 11 transmits the input information to the financial institution server 12 as the user's attribute information. This completes the initial registration of the PFM contract.

[0141] UI screen W2 is an example of a UI screen for the login page of a PFM contract. On UI screen W2, from the top, a title indicating that it is a "login" page, an input field for inputting a login ID (email address), an input field for the password registered on the initial registration page, and a login button B2 are displayed.

[0142] The information providing user inputs an email address and a password into each input field on the UI screen W2 and presses the login button B2. In response to the information providing user's input, the user terminal 11 transmits the input information as login information to the financial institution server 12. This completes the information providing user's login to the PFM contract site.

[0143] In FIG. 14, a UI screen W3 of the partner registration (deposit) page and a UI screen W4 of the partner registration (withdrawal) page are shown.

[0144] UI screen W3 is an example of a UI screen for the Partner Registration (Deposit) page for a PFM contract. The Partner Registration (Deposit) page is a page where an information providing user registers a financial institution with which to enter into a PFM contract for deposit information. Displayed from the top on UI screen W3 are a title indicating that this is the Partner Registration (Deposit) page, four check boxes for selecting banks as partners, the names of the banks corresponding to each check box, two check boxes for selecting securities companies as partners, and the names of the securities companies corresponding to each check box.

[0145] In the example of Figure 14, AAA Bank, BBB Bank, CCC Bank, and DDD Bank are presented as bank options, and the check boxes corresponding to BBB Bank and DDD Bank are checked. EEE Securities and FFF Securities are presented as securities company options, and the check box corresponding to EEE Securities is checked.

[0146] The information providing user selects the desired financial institution from the presented banks and securities companies as the destination of the deposit by checking the check boxes displayed on the UI screen W3 as described above. The information selected by the information providing user is sent by the user terminal 11 to the financial institution server 12 of the financial institution selected as the destination of the deposit. Note that since it is a check box, multiple financial institutions can be selected as the destination of the deposit. The same applies to the following examples of UI screens.

[0147] UI screen W4 is an example of a UI screen for the partner registration (withdrawal) page of a PFM contract. The partner registration (withdrawal) page is a page where the information providing user registers a financial institution with which to enter into a PFM contract for withdrawal information. Displayed from the top on UI screen W4 are a title indicating that this is the "Partner Registration (Withdrawal)" page, three check boxes for selecting a credit card as a partner, the name of each credit card corresponding to each check box, three check boxes for selecting electronic money / smartphone payment as a partner, and the name of each electronic money / smartphone payment corresponding to each check box.

[0148] In the example of Figure 14, GGG Card, HHH Card, and III Card are presented as credit card options, and the check boxes corresponding to GGG Card and HHH Card are checked. Also, for example, JJJ Pay, KKK Money, and LLL Money are presented as electronic money / smartphone payment options, and the check boxes corresponding to JJJ Pay and LLL Money are checked.

[0149] The information providing user selects the desired financial institution as the withdrawal partner from among credit cards and electronic money / smartphone payment by checking the checkboxes displayed on the UI screen W4 as described above. The information selected by the information providing user is transmitted by the user terminal 11 to the financial institution server 12 of the financial institution selected as the withdrawal partner.

[0150] 15 and 16 are diagrams showing examples of UI screens for consenting to the provision of personal information in step S14 in Fig. 9. Information relating to this UI is generated, for example, by the UI generation unit 63 of the information bank / asset management server 13.

[0151] FIG. 15 shows a UI screen W5 of a personal information consent (input) page for inputting personal information consent, and a UI screen W6 of a personal information input page for inputting details of personal information to be provided.

[0152] UI screen W5 is an example of a UI screen for a personal information consent page. On UI screen W5, from the top, a title indicating that it is a "personal information consent" page, consent details indicating the content of the consent to personal information, an Agree button B3, and a Disagree button B4 are displayed.

[0153] The consent details state, "I, ABCD (user name), agree to provide personal information, PPP, to the recipient QQQ on XXX Company's information bank / fund management server for the purpose of ~, and to receive a return on profits in accordance with the terms and conditions."

[0154] PPP in the consent document of FIG. 15 is underlined and serves as a link L1 to a UI screen W6 (FIG. 15) or UI screen W7 (FIG. 16) for inputting personal information. When the information-providing user presses link L1, the UI screen W6 (FIG. 15) or UI screen W7 (FIG. 16) of the personal information input page is displayed. QQQ in the consent document of FIG. 15 is underlined and serves as a link L2 to a UI screen W8 (FIG. 16) for inputting recipient information. When the information-providing user presses link 2, the UI screen W8 (FIG. 16) of the recipient information input page is displayed.

[0155] The terms and conditions in the consent document in Fig. 15 are underlined, and a link L3 to a UI screen for confirming the terms and conditions is provided. When the information providing user clicks link L3, a UI screen for confirming the terms and conditions is displayed.

[0156] When the information providing user presses the "Agree" button B3 displayed on the UI screen W5 after inputting the information to be input on the screens linked by the links L1 and L2 in the consent document in Fig. 15, the information provision consent unit 42 of the user terminal 11 consents to the provision of personal information regarding financial transaction information and generates information regarding the consent. At that time, the inputted attribute information of the information providing user and information regarding the selection of the disclosure destination are also generated.

[0157] The generated information is transmitted to the financial institution server 12 of the financial institution that provided the information that the information providing user agreed to provide, and to the information bank / asset management server 13, as described above.

[0158] When the information providing user presses the "disagree" button B4 displayed on the UI screen W5, the display on the display constituting the output unit 37 returns from the UI screen W5 to, for example, the previous UI screen.

[0159] UI screen W6 is an example of a UI screen for a personal information input page. In UI screen W6, from the top, a title indicating that this is a page for inputting "Personal Information PPP", a statement indicating that the personal information is BBB Bank information, two check boxes for selecting the data type of transaction history, and the type of data corresponding to each check box are displayed. The data types are deposit data or withdrawal data. Below the check boxes, a period input field is displayed for inputting the period for which data is to be provided.

[0160] In the case of Fig. 15, the check box corresponding to the deposit data on the UI screen W6 is checked, and 2019 / 9 / 1 to 2020 / 1 / 1 are entered in the period input field. That is, on the UI screen W6d, it is entered that, among the deposit data of BBB Bank, information on the deposit data for the period from 2019 / 9 / 1 to 2020 / 1 / 1 is to be provided as a transaction history as personal information.

[0161] In FIG. 16, a UI screen W7 for inputting personal information and a UI screen W8 for inputting recipient information for inputting recipients of personal information are shown.

[0162] UI screen W7 is an example of a UI screen for a personal information input page. In UI screen W7, from the top, a title indicating that this is a page for inputting "Personal Information PPP", a statement indicating that the personal information is GGG credit card information, one checkbox for selecting the data type of transaction history, and the type of data corresponding to the checkbox are displayed. The data type is withdrawal data. Below the checkbox, a period input field is displayed for inputting the period of data to be provided.

[0163] In the case of Fig. 16, the check box corresponding to the withdrawal data on the UI screen W7 is checked, and 2019 / 9 / 1 to 2020 / 1 / 1 are entered in the period input field. That is, on the UI screen W7, it is input that, as personal information, the withdrawal data information for the period from 2019 / 9 / 1 to 2020 / 1 / 1 among the withdrawal data of the GGG credit card is to be provided as a transaction history.

[0164] UI screen W8 is an example of a UI screen for inputting personal information. In UI screen W8, from the top, a title indicating that this is a page for selecting "Destination QQQ", three check boxes as a list for selecting the destination service provider, and the names of the service providers corresponding to each check box are displayed. The names of the service providers are Service Provider A, Service Provider B, and Service Provider X. Below the radio buttons, there is a period input field for inputting the period for which data is to be provided.

[0165] 16, the checkbox corresponding to service provider B on the UI screen W8 is checked, and "from today to 12 / 31 / 2020" is entered in the period input field. That is, according to the UI screen W8, it is entered that information will be provided to service provider B, among the service providers, as the recipient of personal information, "from today to 12 / 31 / 2020."

[0166] Fig. 17 is a diagram showing an example of a UI screen for logging in to view asset management information in step S24 of Fig. 10. Information relating to this UI is generated, for example, by the UI generation unit 63 of the information bank / asset management server 13.

[0167] FIG. 17 shows a UI screen W9 of a login page after user registration.

[0168] The UI screen W9 is an example of a login page for viewing asset management information. From the top, the UI screen W9 displays a title indicating that it is a "login" page, an input field for inputting a login ID (email address), an input field for a pre-registered password, and a login button B5.

[0169] The viewing user inputs an email address and a password into each input field on the UI screen W9 and presses the login button B5. In response to these operations by the viewing user, the user terminal 15 transmits the input information as login information to the information bank / asset management server 13. This completes the viewing user's login to view asset management information.

[0170] Fig. 18 is a diagram showing an example of a UI screen of a viewing page for asset management information provided in step S25 of Fig. 10. Note that the same reference numerals are used to denote parts corresponding to those in Fig. 12, and the description thereof will be omitted.

[0171] The UI screen W10 is a modified example of the UI screen 101 of the asset management information viewing page in Fig. 12. The UI screen W10 displays a title indicating that it is a page for viewing asset management information, the UI screen 101 for viewing asset management information, and a UI screen 111 showing content related to the viewing user.

[0172] A graph E11 showing the progress of investment balances in investment cases of information providing users who have attributes similar to those of the viewing user is displayed as content related to the viewing user on the UI screen 111. Similar attributes refer to, for example, common age, sex, financial institutions with which the viewing user does business, etc.

[0173] Below the graph E11, a Follow button F11 is displayed as a button for following the user who provided the information on the investment case of the graph E11. To the right of the Follow button F11, the number of views of the graph E11, 1,977, is displayed as Views.

[0174] The UI screen 111 further displays a graph E12 showing the transition of the investment balance in the investment example of an information providing user whose attributes are not similar to those of the viewing user. Below the graph E12, a Follow button F12 is displayed as a button for following the information providing user of the investment example of the graph E12. To the right of the Follow button F12, 624, which is the number of times the graph E12 has been viewed, is displayed as View.

[0175] When any of these graphs E1, E2, E11, and E12 is selected by the viewing user, detailed asset management information for the investment case represented by the corresponding graph is displayed, as described above with reference to FIG. 12.

[0176] 18, advertisement A1 is displayed on the right side of UI screen 101. Advertisement A1 displays an advertisement image for EEE Securities, which is one of the financial institutions. Advertisement A1 is displayed on the right side of UI screen 111. Advertisement A11 displays an advertisement image for service provider B.

[0177] Fig. 19 is a diagram showing an example of a UI screen for notifying the profit return of the asset management information in step S26 of Fig. 10. Information relating to this UI is generated, for example, by the UI generation unit 63 of the information bank / asset management server 13.

[0178] FIG. 19 shows a UI screen W11 for notifying the profit return.

[0179] The UI screen W11 is an example of a UI screen for a notification page of the return of profits on asset management information. In the UI screen W11, from the top, a title indicating that the page is related to the "return of profits notification", the details of the return of profits, three radio buttons for selecting the return of profits method, and the names of financial institutions corresponding to each radio button are displayed. The names of financial institutions are, for example, BBB Bank Account, JJJ-Pay, and LLL Money.

[0180] The details of the revenue rebate are described as follows: "Service provider B has provided you with a revenue rebate of 4,000 yen. Please choose a rebate method from the options below."

[0181] In Figure 19, the radio button corresponding to JJJ-Pay is selected. In response to the operation of the information providing user, the user terminal 11 transmits information regarding the profit indicating that the profit return method is "JJJ-Pay" to the information bank / asset management server 13.

[0182] By configuring the asset management information providing system 1 as described above, the viewing user can easily obtain information on personal asset management. This allows the viewing user to refer to investment techniques for personal asset management. Meanwhile, the information providing user can obtain a return on investment by providing personal asset management information within the scope of his / her tolerance.

[0183] <2. Second embodiment (Interaction between information providing user and browsing user)> As described above with reference to Fig. 12, the UI screen of the browsing page of the information bank / asset management server 13 has a Follow button F1. The Follow button provided on general SNS is a button for registering a target user to one's account so that new posts from the target user can be continuously read.

[0184] In the second embodiment of the present technology, by pressing the Follow button, the viewing user's user terminal 15 and the information providing user's user terminal 11 are connected in a space provided by the information bank / asset management server 13 (for example, on the F_SNS mentioned above), and the viewing user and the information providing user can interact (communicate) with each other via chat or the like.

[0185] <Connection process between the user terminal of the information providing user and the user terminal of the viewing user> 20 and 21 are flow charts explaining the process of connecting the user terminal 11 of an information providing user and the user terminal 15 of a browsing user by the information bank / asset management server 13.

[0186] In addition to the above-mentioned asset management information viewing page, the information bank / asset management server 13 also has other viewing pages for attribute information and trust evaluation of information providing users among the asset management information.

[0187] In step S51, the control unit 91 of the user terminal 15 accesses the information bank / asset management server 13 and makes a request to view a page for asset management information or attribute information and trust evaluation of an information providing user.

[0188] In step S52, the UI generation unit 63 of the information bank / asset management server 13 transmits to the user terminal 15 information related to the UI of the viewed page desired by the viewing user.

[0189] The display control unit 92 of the user terminal 15 receives information about the UI transmitted from the information bank / asset management server 13, and controls the display of the UI screen of the browse page corresponding to the received information about the UI.

[0190] The viewing user views the personal information and trust rating of the information providing user, and if the viewing user wishes to communicate with the information providing user, presses the Follow button on the UI screen to directly communicate with the information providing user. In step S53, in response to the information providing user pressing the Follow button, the user terminal 15 requests the information bank / asset management server 13 to communicate with the information providing user.

[0191] For example, if the information providing user has a history of transactions with the financial institution about which the viewing user wants information, has a long history of transactions, has knowledge, or has a history of responding honestly to questions during interactions with the viewing user, the viewing user will press the Follow button to interact with the information providing user.

[0192] In step S54, when an interaction is requested from the viewing user's user terminal 15, the connection control unit 69 of the information bank / asset management server 13 requests the information providing user's user terminal 11 to approve the interaction with the viewing user on the F_SNS, for example.

[0193] In step S55, if the information providing user receives a request for approval of an exchange with the viewing user, the control unit 41 of the user terminal 11 notifies the information bank / asset management server 13 of approval of the exchange.

[0194] In step S56, if the request for interaction is approved by the information providing user's user terminal 11, the connection control unit 69 of the information bank / asset management server 13 notifies the viewing user's user terminal 15 of the approval of the information providing user's interaction and the charge for the interaction.

[0195] In step S57, the user terminal 15 of the viewing user acknowledges this notification. In response to this, in step S58, the user terminal 11 and the user terminal 15 are connected, and the information providing user and the viewing user use a tool such as chat to directly communicate on the F_SNS for a certain period of time (e.g., 10 minutes). Here, for example, an extension button for requesting an extension of the communication is displayed on the UI screen of the F_SNS on the viewing user's side, together with billing information for the extension.

[0196] In step S59, if the viewing user wishes to continue the interaction with the information providing user, he or she presses the above-mentioned extension button before the end of the specified interaction time. In response to this, the user terminal 15 transmits information indicating an application for extension of the interaction with the information providing user to the information bank / asset management server 13. At that time, information indicating the viewing user's consent to the charge for the extension is also transmitted.

[0197] In step S60, the connection control unit 69 of the information bank / asset management server 13 sends to the user terminal 11 information indicating an application for an extension of the transaction.

[0198] In step S61, if the information providing user approves the application for extension of the exchange with the viewing user, the control unit 41 of the user terminal 11 notifies the information bank / asset management server 13 of the approval of the exchange extension. As a result, the exchange on the F_SNS between the information providing user and the viewing user is extended for a certain period of time.

[0199] In step S62, if the connection control unit 69 of the information bank / asset management server 13 determines that a certain period of time has elapsed, it terminates the connection between the user terminal 11 of the information providing user and the user terminal 15 of the viewing user.

[0200] 21, in step S70, the income return management unit 68 of the information bank / asset management server 13 transmits information about income to the user terminal 11 of the information providing user who has interacted with the browsing user. The income management unit 43 of the user terminal 11 receives the information about income transmitted from the information bank / asset management server 13.

[0201] In step S71, the viewed information management unit 67 of the information bank / asset management server 13 automatically evaluates and saves the interactions between information providing users and viewing users on the F_SNS.

[0202] For example, when an exchange on the F_SNS is completed, the UI generation unit 63 of the information bank / asset management server 13 transmits information relating to a UI for inputting an evaluation of the other party.

[0203] In step S72, the control unit 91 of the user terminal 15 transmits to the information bank / asset management server 13 the evaluation of the other party (information providing user) input in response to the viewing user's operation.

[0204] Furthermore, in step S73, the control unit 41 of the user terminal 11 transmits to the information bank / asset management server 13 the evaluation of the other party (viewing user) input in response to the operation of the information providing user.

[0205] In step S74, the viewed information management unit 67 of the information bank / asset management server 13 stores the evaluation of the viewing user from the user terminal 11 and the evaluation of the information providing user from the user terminal 15.

[0206] In step S75, the control unit 61 of the information bank / asset management server 13 transmits the complaints and improvements made to the financial institution that emerged from the above exchange as feedback information to the financial institution server 12, without linking them to personal information. At that time, a request for payment of the fee for the feedback information is also transmitted.

[0207] For example, on the UI screen for inputting the evaluation of the other party, link information to the website for opening an account with a predetermined financial institution is provided. After the above exchanges, the browsing user who intends to open an account with a predetermined financial institution presses the link information provided on the UI screen.

[0208] In step S76, the control unit 91 of the user terminal 15 accesses the financial institution server 12 corresponding to the financial institution according to the operation of the browsing user, and performs the process of opening an account.

[0209] In step S77, when it is an account opening by the browsing user who has viewed the asset management information of the information bank / asset management server 13, the financial institution server 12 transmits the advertising fee to the information bank / asset management server 13.

[0210] In step S78, when the profit distribution management unit 68 of the information bank / asset management server 13 determines that the browsing user who has opened an account is the user who has had exchanges with the information providing user, a part of the advertising fee is used as profit distribution, and information regarding profit distribution is transmitted to the user terminal 11 of the information providing user. The profit management unit 43 of the user terminal 11 receives the information regarding profit transmitted from the information bank / asset management server 13.

[0211] By doing the above, the browsing user can directly ask the information providing user about details such as financial institutions, PFM contracts, and asset management. The information providing user can obtain profit distribution as the reward for the exchanges. The financial institution can acquire new customers.

[0212] <Example of UI Screen> Next, with reference to FIGS. 20 and 21, an example of the UI screen of the page displayed in a predetermined step of the flowchart of the above-described asset management information providing system will be described. In the following UI screen, for example, an example is shown in which the information providing user and the browsing user consult about opening an account with YY Credit Union, but the content of the exchanges can be freely set between users.

[0213] 22 and 23 are UI screens presented to a browsing user, and FIGS. 24 and 25 are UI screens presented to an information providing user.

[0214] 22 is a diagram showing an example of a UI screen notified by the information bank / asset management server 13 in step S56 of Fig. 20 and displayed on the user terminal 15 in step S57. Information related to this UI is generated, for example, by the UI generation unit 63 of the information bank / asset management server 13.

[0215] In FIG. 22, a UI screen W51 of a notification page, a UI screen W52 of a details page, and a UI screen W53 of a notification page are shown.

[0216] The UI screen W51 is an example of a UI screen of a notification page that notifies the user terminal 15 of the viewing user of charges for interaction with the information providing user. In the UI screen W51, from the top, a title indicating that it is a "notification" page, the content of the notification, and three options (YES / NO / check details) are displayed. Note that the UI screen W51 shows an example in which the viewing user has pressed "check details," which is displayed in dark color among the options.

[0217] The content of the notification shows "Start F_SNS with YY Shinkin Bank users? (-500 yen)". A YY Shinkin Bank user refers to an information providing user. F_SNS refers to interactions on F_SNS. Users are underlined on the screen, and are a link L51 to a UI screen that shows the type of user they are. By pressing link L51, the viewing user can display a UI screen that shows the type of user they are.

[0218] When the viewing user presses "YES" from among the options, the interaction begins, and for example, the UI screen W54 in FIG. 23 is displayed. When the viewing user presses "NO" from among the options, the display returns to the UI screen of the original asset management information viewing page, etc. When the viewing user presses "Check details" from among the options, for example, the UI screen W52 is displayed.

[0219] The UI screen W52 is an example of a UI screen of a details page that displays details of an exchange with an information providing user on the viewing user's user terminal 15. On the UI screen W52, from the top, a title indicating that it is a "details" page, details, and a radio button for expressing consent to use of the service are displayed.

[0220] The details are as follows: "When you start F_SNS to use the service, a fee will be incurred. The fee will be passed to the other party through the information bank / asset management server. Please note that real names will not be revealed. The content of F_SNS will be anonymized, automatically evaluated, and used to improve the service." The services are underlined on the screen, and there is a link L52 to a UI screen that shows what type of service it is. When the viewing user presses link L52, a UI screen that shows what type of service it is can be displayed.

[0221] When the viewing user presses the radio button, it is deemed that the user has agreed to the consent, and for example, a UI screen W53 in FIG. 22 is displayed.

[0222] The UI screen W53 is an example of a UI screen of a notification page that notifies the user terminal 15 of the viewing user of a charge for an exchange with the information providing user. Descriptions that are the same as those in the UI screen W51 will be omitted. Note that the UI screen W53 shows an example in which the viewing user has pressed "YES," which is displayed in dark color, out of the three options.

[0223] As shown in the UI screen W53, when the viewing user presses "YES" from among the options, F_SNS is started, and for example, the UI screen W54 in FIG. 23 is displayed.

[0224] Fig. 23 is a diagram showing an example of a UI screen displayed on the user terminal 15 while an information providing user and a viewing user are communicating on the F_SNS in step S58 of Fig. 20, or when the communication ends in step S62. Information relating to this UI is generated, for example, by the UI generation unit 63 of the information bank / asset management server 13.

[0225] In FIG. 23, a UI screen W54 of an F_SNS (interaction) page and a UI screen W55 of a page displaying evaluations of other users are shown.

[0226] The UI screen W54 is an example of a UI screen of an F_SNS page where information providing users and viewing users communicate on the F_SNS. On the UI screen W54, from the top, a title indicating that it is an "F_SNS about YY Shinkin Bank" page, the remaining time (03 minutes 30 seconds), an extension button B51, and conversations K1 to K4 are displayed. Of the conversations K1 to K4, conversations K1, K3, and K4 are conversations of the information providing users, and conversation K2 is a conversation of the viewing user.

[0227] In response to the information providing user's conversation K1 "I'm a YY Shinkin Bank customer. I've been using it for about three years," the browsing user asks the information providing user a conversation K2 "What's it like?" In response to the conversation K2, the information providing user answers in conversation K3 "Yes, it's very easy to use, and I'm not particularly inconvenienced. I made about 50,000 yen this year!" Furthermore, the information providing user answers in conversation K4 "However, there are some parts of the screen that are a little hard to see." Of the conversations K1 to K4, for example, the content of conversation K4 is an impression of the financial institution. Therefore, the content of conversation K4 is transmitted to the financial institution server 12 as feedback information by the information providing unit 64 without being linked to personal information in step S75 of FIG. 21.

[0228] On the UI screen W54, the exchange ends when the remaining time (3 minutes 30 seconds) has elapsed, so the display changes from UI screen W54 to UI screen W55. If the viewing user wishes to continue the exchange, he or she presses the extension button B51 provided on the UI screen W54, and in step S59 of FIG. 20, an extension is requested from the user terminal 15 to the user terminal 11 via the information bank / asset management server 13. If the requested extension is approved by the information providing user of the user terminal 11, the time of the exchange can be extended.

[0229] UI screen W55 is an example of a UI screen for an evaluation input page for inputting an evaluation of the other party (information providing user) with whom the user has communicated. In UI screen W55, from the top, a title indicating that this is the "evaluation of the other party" input page, a star mark showing the evaluation of the other party on a 5-point scale, a comment input field, and two options (link information to opening an account at YY Shinkin Bank or exit) are displayed.

[0230] In the star mark section, the other person's evaluation was entered as 4 stars out of 5. In the comment input section, the other person's evaluation was entered as "They responded very sincerely. However, I felt that they said some things that were wrong without any hesitation."

[0231] The viewing user inputs an evaluation of the other party on the UI screen W55, and then, if the viewing user wishes to open an account at YY Shinkin Bank, the viewing user presses the link information to account opening from among the options. In response to this, the screen transitions to the account opening page of YY Shinkin Bank, as described above in step S76 of FIG. 21. This allows the viewing user to efficiently open an account.

[0232] On the other hand, when the viewing user presses "End" among the options, the exchange with the information providing user ends.

[0233] 24 is a diagram showing an example of a UI screen notified by the information bank / asset management server 13 in step S54 of Fig. 20 and displayed on the user terminal 11 in step S55. Information related to this UI is generated, for example, by the UI generation unit 63 of the information bank / asset management server 13.

[0234] In FIG. 24, a UI screen W56 of a notification page, a UI screen W57 of a details page, and a UI screen W58 of a notification page are shown.

[0235] The UI screen W56 is an example of a UI screen of a notification page that notifies the user terminal 11 of the information providing user of a request for interaction with the viewing user. In the UI screen W56, a title indicating that it is a "notification" page, notification content, and options (YES / NO / check details) are displayed from the top. Note that the UI screen W56 shows an example in which, of the three options, "check details," which is displayed in dark color, has been pressed by the viewing user.

[0236] The content of the notification is "Start F_SNS with the person who wants to open an account at XX Shinkin Bank? (+500 yen)". The person who wants to open an account at XX Shinkin Bank represents the browsing user. F_SNS represents the interaction.

[0237] When the information providing user presses "YES" from among the options, F_SNS is started, and for example, the UI screen W59 in FIG. 25 is displayed. When the information providing user presses "NO" from among the options, the display returns to the UI screen of the original asset management information viewing page, etc. When the information providing user presses "Check details" from among the options, for example, the UI screen W57 is displayed.

[0238] The UI screen W57 is an example of a UI screen of a details page that displays details of an exchange with a browsing user on the information providing user's user terminal 11. On the UI screen W57, from the top, a title indicating that it is a "details" page, details, and a radio button for expressing consent to use of the service are displayed.

[0239] The details are as follows: "When you start F_SNS to use the service, the other party will transfer money through the information bank / asset management server. Please note that your real name will not be revealed. The contents of F_SNS are anonymized, automatically evaluated, and used to improve the service." The services are underlined on the screen, and there is a link L52 to a UI screen that shows what type of service it is. The information providing user can display a UI screen that shows what type of service it is by pressing link L52.

[0240] When the information providing user presses the radio button, it is deemed that the consent has been given, and for example, a UI screen W58 in FIG. 24 is displayed.

[0241] The UI screen W58 is an example of a UI screen of a notification page that notifies the user terminal 11 of the information providing user of a charge for an exchange with a browsing user. Descriptions that are the same as those in the UI screen W56 will be omitted. Note that the UI screen W58 shows an example in which the information providing user has pressed "YES," which is displayed in dark color among the options.

[0242] As shown in the UI screen W58, when the information providing user presses "YES" from among the options, the SNS is started, and for example, the UI screen W59 in FIG. 25 is displayed.

[0243] Fig. 25 is an example of a UI screen displayed on the user terminal 11 while an information providing user and a viewing user are communicating on the SNS in step S58 of Fig. 20, or when the communication ends in step S62. Information related to this UI is generated, for example, by the UI generation unit 63 of the information bank / asset management server 13.

[0244] In FIG. 25, a UI screen W59 of an F_SNS (interaction) page and a UI screen W60 of a page displaying evaluations of other users are shown.

[0245] The UI screen W59 is an example of a UI screen for an SNS page where information providing users and viewing users communicate on the F_SNS. The UI screen W59 displays, from the top, a title indicating that it is an "F_SNS for XX Shinkin Bank" page, the remaining time (03 minutes 30 seconds), and conversations K1 to K4. That is, it differs from the UI screen W54 in FIG. 23 in that the extension button B51 is omitted. The rest of the configuration is the same as the UI screen W54 in FIG. 23.

[0246] The UI screen W60 is an example of a UI screen for an evaluation input page for inputting an evaluation of a person (viewing user) with whom the user has communicated. From the top, the UI screen W60 displays a title indicating that this is an "evaluation of the other person" input page, a star mark expressing the evaluation of the other person on a 5-point scale, a comment input field, and one option (end).

[0247] In the star mark, 5 out of 5 stars are entered as the evaluation of the other party. In the comment input field, the evaluation of the other party is entered as "I was impressed because he was very enthusiastic and sincere about acquiring asset management skills."

[0248] After inputting the evaluation of the other party on the UI screen W60, the information providing user presses the end button, which ends the exchange with the viewing user. <3.Other> (effect) As described above, in the present technology, information regarding consent to the provision of financial transaction information between a first user and a financial institution, information regarding the selection of a disclosure destination of the financial transaction information, and asset management information including the financial transaction information that the first user consented to be provided are managed, and the asset management information is provided to the service providing device selected as the disclosure destination. Then, information regarding the UI of the browsing page based on the asset management information is generated, and in response to a request from a second terminal used by a second user, information regarding the UI of the browsing page is transmitted to the second terminal, the usage status of the UI of the browsing page by the second terminal is managed, and information regarding the profit to be returned to the first user in accordance with the usage status is transmitted to the first terminal.

[0249] Therefore, according to the present technology, information on an individual's asset management can be easily obtained, which can serve as a reference for investment techniques in the asset management of an individual.

[0250] (Example of computer configuration) The above-mentioned series of processes can be executed by hardware or software. When the series of processes is executed by software, the program constituting the software is installed from a program recording medium into a computer incorporated in dedicated hardware, or into a general-purpose personal computer, etc.

[0251] In addition, the program executed by the computer may be a program in which processing is performed chronologically in the order described in this specification, or it may be a program in which processing is performed in parallel or at the required timing, such as when called.

[0252] In this specification, a system refers to a collection of multiple components (devices, modules (parts), etc.), regardless of whether all the components are in the same housing. Therefore, multiple devices housed in separate housings and connected via a network, and a single device in which multiple modules are housed in a single housing, are both systems.

[0253] Furthermore, the effects described in this specification are merely examples and are not limiting, and other effects may also be present.

[0254] The embodiments of the present technology are not limited to the above-described embodiments, and various modifications are possible without departing from the gist of the present technology.

[0255] For example, the present technology can be configured as cloud computing, in which a single function is shared and processed collaboratively by multiple devices via a network.

[0256] Furthermore, each step described in the above flow chart can be executed by one device, or can be shared and executed by a plurality of devices.

[0257] Furthermore, when a single step includes multiple processes, the multiple processes included in the single step can be executed by a single device, or can be shared and executed by multiple devices.

[0258] <Examples of configuration combinations> The present technology can also be configured as follows. (1) an information management unit that manages information regarding consent to the provision of financial transaction information between a first user and a financial institution, information regarding the selection of a disclosure destination of the financial transaction information, and asset management information including the financial transaction information that the first user consented to being provided, which are transmitted from a first terminal; an information providing unit that provides the asset management information to a service providing device selected as the disclosure destination; A generation unit that generates information regarding a UI of a browsing page based on the asset management information; a transmission unit that transmits information about a UI of the browse page to a second terminal used by a second user in response to a request from the second terminal; a revenue return unit that manages a usage status of a UI of the browsed page by the second terminal and transmits information regarding a revenue to be returned to the first user according to the usage status to the first terminal; An information providing device comprising: (2) The financial institution further includes a receiving unit that receives the information regarding the consent and the information regarding the selection of the disclosure destination from the first terminal and receives the financial transaction information from a financial institution server of the financial institution. The information providing device according to (1) above. (3) The receiving unit further receives, from the financial institution server, credibility assurance information that guarantees the authenticity of the financial transaction information; The information management unit also manages the authenticity assurance information. The information providing device according to (2) above. (4) The receiving unit further receives attribute information of the first user from the first terminal; The information management unit also manages the first user attribute information. The information providing device according to (2) above. (5) The revenue return unit calculates a revenue to be returned to the first user based on at least one of a usage fee for the asset management information in the service providing device and a number of times the second user views the UI of the view page. An information providing device according to any one of (1) to (4). (6) An operation member for allowing the second user to directly interact with the first user is displayed on a UI of the browsing page. An information providing device according to any one of (1) to (5). (7) a connection control unit that connects the first terminal and the second terminal in response to an operation of the operation member in a UI of the browse page by the second terminal The information providing device according to (6) above. (8) The first terminal and the second terminal may further include a browsing information management unit that evaluates and manages the content of the interaction between the first user and the second user that is performed during the connection between the first terminal and the second terminal. The information providing device according to (7) above. (9) The viewing information management unit acquires and manages an evaluation of the first user and an evaluation of the second user after the exchange between the first user and the second user is completed. The information providing device according to (8) above. (10) The revenue return unit sets a revenue to be returned to the first user as a part of a fee paid by the financial institution when the second user opens an account with the financial institution based on the exchange. The information providing device according to (8) above. (11) The information providing unit provides the information about the financial institution obtained through the interaction between the first user and the second user as feedback information to a financial institution server of the financial institution. The information providing device according to (8) above. (12) The UI of the viewing page displays search conditions for investment cases included in the asset management information and investment cases that match the search conditions. 12. The information providing device according to any one of (1) to (11). (13) The UI of the viewing page displays at least one of successful and unsuccessful investment cases. The information providing device according to (12) above. (14) An advertisement image provided by the service providing device is displayed on the UI of the browsing page. The information providing device according to (12) above. (15) The generation unit generates information regarding a UI of an information input page for obtaining consent for providing the financial transaction information from the first user on the first terminal. 15. The information providing device according to any one of (1) to (14). (16) In the UI of the information input page, at least one of the financial institution providing the financial transaction information, the type of the financial transaction information to be provided, and the period during which the financial transaction information is provided is set. The information providing device according to (15) above. (17) Manage information regarding consent to the provision of financial transaction information between a first user and a financial institution, information regarding the selection of a disclosure destination of the financial transaction information, and asset management information including the financial transaction information that the first user consented to being provided, which are transmitted from a first terminal; providing the asset management information to a service providing device selected as the disclosure destination; Generate information regarding a UI of a browsing page based on the asset management information; In response to a request from a second terminal used by a second user, transmitting information about a UI of the browse page to the second terminal; Manage the usage status of the UI of the browsed page by the second terminal, and transmit information regarding the profit to be returned to the first user according to the usage status to the first terminal. Information provision method. (18) an information management unit that manages information regarding consent to the provision of financial transaction information between a first user and a financial institution, information regarding the selection of a disclosure destination of the financial transaction information, and asset management information including the financial transaction information that the first user consented to being provided, which are transmitted from a first terminal; an information providing unit that provides the asset management information to a service providing device selected as the disclosure destination; A generation unit that generates information regarding a UI of a browsing page based on the asset management information; a transmission unit that transmits information about a UI of the browse page to a second terminal used by a second user in response to a request from the second terminal; a revenue return unit that manages a usage status of a UI of the browsed page by the second terminal and transmits information regarding a revenue to be returned to the first user according to the usage status to the first terminal; programs that make a computer function. (19) a provision consent unit that obtains consent from the user to the provision of financial transaction information between the user and the financial institution based on an operation by the user; a transmission unit that transmits information regarding the consent and information regarding a selection of a recipient of the financial transaction information to an information providing device; a receiving unit that receives from the information providing device information regarding the profit to be returned to the user in accordance with the usage status by other information processing terminals of a UI of a browsing page based on asset management information including the financial transaction information, information regarding the consent, and information regarding a selection of a disclosure destination of the financial transaction information; An information processing terminal comprising: (20) a communication unit that requests and receives information regarding consent to the provision of financial transaction information between a first user and a financial institution, information regarding the selection of a disclosure destination of the financial transaction information, and information regarding a UI of a browsing page based on asset management information including the financial transaction information that the first user consented to being provided, based on an operation of the second user; an output control unit that controls output of information regarding the UI of the browse page received; An information processing terminal comprising: [Explanation of symbols]

[0259] 1 Asset management information providing system, 11 User terminal, 12-1 to 12-n Financial institution server, 13 Information bank / asset management server, 14-1 to 14-n Service business server, 15 User terminal, 16 Internet, 21 CPU, 24 RAM, 26 Input unit, 27 Output unit, 28 Communication unit, 41 Control unit, 42 Information provision consent unit, 43 Revenue management unit, 44 Display control unit, 51 Control unit, 52 Financial transaction information DB, 61 Control unit, 62 Information management unit, 63 UI generation unit, 64 Information provision unit, 65 Advertising data management unit, 66 Viewing user management unit, 67 Viewing information management unit, 68 Revenue return management unit, 69 Connection control unit, 71 Asset management information DB including personal information, 72 Asset management information DB not including personal information, 81 Control unit, 82 BigData management DB, 83 Advertisement management DB, 91 Control section, 92 Display control section

Claims

1. an information management unit that manages information regarding consent to the provision of financial transaction information between a first user and a financial institution, information regarding the selection of a disclosure destination of the financial transaction information, and asset management information including the financial transaction information that the first user consented to being provided, which are transmitted from a first terminal; an information providing unit that provides the asset management information to a service providing device selected as the disclosure destination; A generation unit that generates information regarding a UI of a browsing page based on the asset management information; a transmission unit that transmits information about a UI of the browse page to a second terminal used by a second user in response to a request from the second terminal; a revenue return unit that manages a usage status of a UI of the browsed page by the second terminal and transmits information regarding a revenue to be returned to the first user according to the usage status to the first terminal; An information providing device comprising:

2. The financial institution further includes a receiving unit that receives the information regarding the consent and the information regarding the selection of the disclosure destination from the first terminal and receives the financial transaction information from a financial institution server of the financial institution.

2. The information providing device according to claim 1.

3. The receiving unit further receives, from the financial institution server, credibility assurance information that guarantees the authenticity of the financial transaction information; The information management unit also manages the authenticity assurance information.

3. The information providing device according to claim 2.

4. The receiving unit further receives attribute information of the first user from the first terminal; The information management unit also manages attribute information of the first user.

3. The information providing device according to claim 2.

5. The revenue return unit calculates a revenue to be returned to the first user based on at least one of a usage fee for the asset management information in the service providing device and a number of times the second user views the UI of the view page.

2. The information providing device according to claim 1.

6. An operation member for allowing the second user to directly interact with the first user is displayed on a UI of the browsing page.

2. The information providing device according to claim 1.

7. a connection control unit that connects the first terminal and the second terminal in response to an operation of the operation member in a UI of the browse page by the second terminal 7. The information providing device according to claim 6.

8. The first terminal and the second terminal may further include a browsing information management unit that evaluates and manages the content of the interaction between the first user and the second user that is performed during the connection between the first terminal and the second terminal.

8. The information providing device according to claim 7.

9. The viewing information management unit acquires and manages an evaluation of the first user and an evaluation of the second user after the exchange between the first user and the second user is completed.

9. The information providing device according to claim 8.

10. The revenue return unit sets a revenue to be returned to the first user as a part of a fee paid by the financial institution when the second user opens an account with the financial institution based on the exchange.

9. The information providing device according to claim 8.

11. The information providing unit provides the information about the financial institution obtained through the interaction between the first user and the second user as feedback information to a financial institution server of the financial institution.

9. The information providing device according to claim 8.

12. The UI of the viewing page displays search conditions for investment cases included in the asset management information and investment cases that match the search conditions.

2. The information providing device according to claim 1.

13. The UI of the viewing page displays at least one of successful investment cases and unsuccessful investment cases. The information providing device according to claim 12.

14. An advertisement image provided by the service providing device is displayed on the UI of the browsing page. The information providing device according to claim 12.

15. The generation unit generates information regarding a UI of an information input page for obtaining consent for providing the financial transaction information from the first user on the first terminal.

2. The information providing device according to claim 1.

16. In the UI of the information input page, at least one of the financial institution providing the financial transaction information, the type of the financial transaction information to be provided, and the period during which the financial transaction information is provided is set.

16. An information providing device according to claim 15.

17. Manage information regarding consent to the provision of financial transaction information between a first user and a financial institution, information regarding the selection of a disclosure destination of the financial transaction information, and asset management information including the financial transaction information that the first user consented to being provided, which are transmitted from a first terminal; providing the asset management information to a service providing device selected as the disclosure destination; Generate information regarding a UI of a browsing page based on the asset management information; In response to a request from a second terminal used by a second user, transmitting information about a UI of the browse page to the second terminal; Manage the usage status of the UI of the browsed page by the second terminal, and transmit information regarding the profit to be returned to the first user according to the usage status to the first terminal. Information provision method.

18. an information management unit that manages information regarding consent to the provision of financial transaction information between a first user and a financial institution, information regarding the selection of a disclosure destination of the financial transaction information, and asset management information including the financial transaction information that the first user consented to being provided, which are transmitted from a first terminal; an information providing unit that provides the asset management information to a service providing device selected as the disclosure destination; A generation unit that generates information regarding a UI of a browsing page based on the asset management information; a transmission unit that transmits information about a UI of the browse page to a second terminal used by a second user in response to a request from the second terminal; a revenue return unit that manages a usage status of a UI of the browsed page by the second terminal and transmits information regarding a revenue to be returned to the first user according to the usage status to the first terminal; programs that make a computer function.

19. a provision consent unit that obtains consent from the user to the provision of financial transaction information between the user and the financial institution based on an operation by the user; a transmission unit that transmits information regarding the consent and information regarding a selection of a recipient of the financial transaction information to an information providing device; a receiving unit that receives from the information providing device information regarding the profit to be given to the user in accordance with a usage status by other information processing terminals of a UI of a browsing page based on asset management information including the financial transaction information, information regarding the consent, and information regarding a selection of a disclosure destination of the financial transaction information; An information processing terminal comprising:

Images