Information providing device, information providing method, and program

Abstract

To collect information in a user-friendly manner and provide appropriate information to users including those who have not yet made an investment. [Solution] An information providing device comprising an acquisition unit that communicates with a user's terminal device and acquires raw information indicating the user's age and economic situation through at least partial interaction in natural language, a calculation unit that calculates a score related to the user's investment freedom based on the raw information, and a recommendation unit that recommends financial products of a type to the user according to the score.

Description

[Technical field]

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

[0002] Previously, an invention for an information providing device has been disclosed that acquires information on financial products held by a user, compares the held product information with pre-set model portfolio information, and transmits recommendation information for types of financial products that are in short supply based on the model portfolio to the user's terminal device (Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2022-110800 Summary of the Invention [Problem to be solved by the invention]

[0004] Conventional techniques are aimed primarily at users who have already made investments, and may not be able to collect information in a user-friendly manner and provide appropriate information to users, including those who have not yet made an investment.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objects is to provide an information providing device, an information providing method, and a program that can collect information in a user-friendly manner and provide appropriate information to users, including those who have not yet made an investment. [Means for solving the problem]

[0006] One aspect of the present invention is an information providing device that includes an acquisition unit that communicates with a user's terminal device and acquires original information indicating the user's age and economic situation through at least partial interaction in natural language, a calculation unit that calculates a score related to the user's investment freedom based on the original information, and a recommendation unit that recommends financial products of a type to the user according to the score. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to collect information in a user-friendly manner and provide appropriate information to users, including those who have not yet made an investment. [Brief description of the drawings]

[0008] [Figure 1] 1 is a diagram illustrating an example of a configuration of an information providing device 100 and a surrounding environment. [Diagram 2] 13 is a diagram showing an example of a part of a question screen when the acquiring unit 120 acquires raw information. FIG. [Diagram 3] 13 is a diagram showing an example of a part of a question screen when the acquiring unit 120 acquires raw information. FIG. [Figure 4] 13 is a diagram showing an example of a part of a question screen when the acquiring unit 120 acquires raw information. FIG. [Diagram 5] 13 is a diagram showing an example of a part of a question screen when the acquiring unit 120 acquires raw information. FIG. [Figure 6] 13 is a diagram showing an example of a part of a question screen when the acquiring unit 120 acquires raw information. FIG. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, an information providing device, an information providing method, and a program according to the present invention will be described with reference to the drawings. Various devices for providing services to users and performing internal analysis, such as the "server", "management device", and "information providing device" that will appear below, may be realized by a distributed device group, and each device may be operated by a different business operator. In addition, the owner of the device hardware (the cloud server provider) and the business operator that actually operates the device may also be different.

[0010] FIG. 1 is a diagram showing an example of the configuration of an information providing device 100 and its surrounding environment. The information providing device 100 communicates with a user's terminal device 10 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, and a provider device. For example, the information providing device 100 provides a service to a user in cooperation with a service provided by a securities company, and operates while exchanging information with a securities company server 200 (or is included in the securities company server 200). An application program (hereinafter, a service app) 20 for receiving a network service such as an electronic settlement service runs on the terminal device 10, and when an operation for requesting a service is performed in a securities mini app 30 called from the service app 20, the information providing device 100 provides the following services in cooperation with the securities mini app 30. Note that illustration and description of the service server from which the service app 20 receives the network service is omitted. The securities mini app 30 is mainly for communicating with the securities company server 200.

[0011] The terminal device 10 is, for example, a computer device such as a smartphone, a tablet terminal, or a personal computer. The terminal device 10 has a camera, a communication device, an input device such as a touch panel or a microphone, and a processor such as a CPU (Central Processing Unit). The terminal device 10 operates to provide various services to users by executing a service application 20 and a securities application 30.

[0012] The information providing device 100 includes, for example, a communication unit 110, an acquisition unit (chatbot unit) 120, a calculation unit 130, and a recommendation unit 140. These components are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as a large-scale integration (LSI), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or a graphics processing unit (GPU), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device such as a hard disk drive (HDD) or a flash memory (a storage device having a non-transient storage medium), or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or a CD-ROM, and installed in the storage device by mounting the storage medium in a drive device.

[0013] The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

[0014] The acquiring unit 120 communicates with the securities mini-app 30 of the terminal device 10 and acquires raw information indicating the user's age and financial situation through natural language exchange. The raw information includes, for example, age, balance (annual income and expenditure), loan balance and remaining term, investment amount and number of years of investment, and other information. The acquiring unit 120 may transmit the content of a question to the securities mini-app 30 each time the securities mini-app 30 displays a question, or may cause the securities mini-app 30 to display a question by specifying a question to be displayed from a list of questions transmitted in advance.

[0015] 2 to 6 are diagrams illustrating a portion of the question screen when the acquiring unit 120 acquires original information. The question screen IMk (k=1, 2, ...) is provided with a question area Q1 and a reply area A1. The user can type a reply in the reply area A1 or reply by voice. In the latter case, information obtained by converting the voice into text is displayed in the reply area A1.

[0016] In the question screen IM1 in Fig. 2, the acquisition unit 120 inquires about the user's income by asking, "How much is your annual income? To ensure an accurate judgment, please answer all incomes, such as salary and rental income, as accurately as possible. Please rest assured that your personal information will be strictly managed." In the example in Fig. 2, the user answers that he earns 1.5 million yen per month.

[0017] In the question screen IM2 of Fig. 3, the acquisition unit 120 inquires about the user's expenditure by asking a question such as "What is your annual expenditure? Various bills, rent, shopping, EMI, etc. Monthly expenditure is also fine. Please do not include investments. That will be calculated separately." In the example of Fig. 3, the user answers that it is 400,000 yen per month.

[0018] In the question screen IM3 in Fig. 4, the acquisition unit 120 inquires about the breakdown of the user's expenses by asking, "How much is your fixed expense? Monthly regular expenses, such as rent, groceries, subscriptions, EMI, etc." In the example in Fig. 4, the user answers that it is 200,000 yen per month.

[0019] In the question screen IM4 of FIG. 5, the acquisition unit 120 inquires about the amount of investment by the user with a question such as "How much do you invest each year? Please include regular investments such as SIP and regular savings."

[0020] In the question screen IM5 of FIG. 6, the acquisition unit 120 allows the user to select the investment objective from among short-term, medium-term, long-term, and none.

[0021] Similarly, the acquisition unit 120 may inquire about the user's age, how much retirement benefits the user thinks he or she will need, the remaining loan balance and remaining term, whether or not the user has health insurance for dependents, the scope of coverage of the user's own health insurance, whether or not the user is interested in investing in affiliated businesses, etc. Information held by the service server described above may be used to inquire about the user's age.

[0022] The acquiring unit 120 synthesizes the acquired information and determines the original information.

[0023] The calculation unit 130 calculates a score SC relating to the user's investment freedom based on the original information. The score SC is calculated, for example, based on formula (1). All amounts are input in units of one million yen. The following coefficients are set, and the score is calculated in the range of 300 to 900. As shown in formula (1), the calculation unit 130 calculates a higher score SC the younger the user is. In addition, the calculation unit 130 calculates a higher score SC the greater the difference between annual income and annual expenditure, the greater the value obtained by dividing the loan balance by the remaining loan term, and the greater the value obtained by dividing the investment amount by the number of years of investment.

[0024] SC = [(100 / age) x 30 + (annual income - annual expenditure) / 5000 + {loan balance / (remaining loan term x 4000)} + {investment amount / (number of years of investment x 4000)}] x 0.6 … (1)

[0025] The recommendation unit 140 recommends financial products to the user according to the score SC. The recommendation unit 140 classifies users into four tiers: a low-risk recommended tier with a score SC of less than 450, a conservative tier with a score SC of 450 or more and less than 600, an average tier with a score SC of 600 or more and less than 750, and a high-risk recommended tier with a score SC of 750 or more.

[0026] For the low-risk recommended layer, the recommendation unit 140 recommends opening an account at an affiliated bank, making bank deposits, investing in bonds, etc., and recommends keeping stock investment to a minimum. For the conservative layer, the recommendation unit 140 recommends low stock investment with a focus on bond investment. For the average layer, the recommendation unit 140 recommends average investment combining stocks and bonds, and that necessary insurance be taken out. For the high-risk recommended layer, the recommendation unit 140 recommends stock investment with a focus on keeping insurance amounts to a minimum. In this way, the higher the score, the higher the recommendation unit 140 recommends investment in financial products with high volatility, such as stock investment.

[0027] According to the embodiment described above, it is possible to collect information in a user-friendly manner and provide appropriate information to users, including those who have not yet made an investment.

[0028] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0029] 10 Terminal Equipment 20 Service Apps 30 Securities Mini App 100 Information provision device 120 Acquisition Department 130 Calculation Department 140 Recommendation Department 200 Securities company server

Claims

1. an acquisition unit that communicates with a terminal device of a user and acquires raw information indicating the user's economic situation through at least a partial exchange in natural language; a calculation unit that calculates a score related to the user's investment freedom using one or more pieces of information among a difference between the user's annual income included in the original information and the user's annual expenditure included in the original information, a value obtained by dividing the user's loan balance included in the original information by the remaining loan term included in the original information, and a value obtained by dividing the investment amount included in the original information by the number of years of investment included in the original information; A recommendation unit that recommends financial products of a type corresponding to the score to the user. Information provision device.

2. an acquisition unit that communicates with a terminal device of a user and acquires raw information indicating the user's economic situation through at least a partial exchange in natural language; a calculation unit that calculates a score related to the user's investment freedom using a difference between the user's annual income and the user's annual expenditure, based on the original information including the user's annual income, the user's annual expenditure, the user's loan balance, and the user's remaining loan term, and a value obtained by dividing the user's loan balance by the remaining loan term; A recommendation unit that recommends financial products of a type corresponding to the score to the user. Information provision device.

3. an acquisition unit that communicates with a terminal device of a user and acquires raw information indicating the user's economic situation through at least a partial exchange in natural language; a calculation unit that calculates a score regarding the user's investment freedom based on the raw information including the user's annual income and the user's annual expenditure, and increases the score as the difference between the user's annual income and the user's annual expenditure increases; A recommendation unit that recommends financial products of a type corresponding to the score to the user. Information provision device.

4. an acquisition unit that communicates with a terminal device of a user and acquires raw information indicating the user's economic situation through at least a partial exchange in natural language; a calculation unit that calculates a score related to the user's investment freedom based on the original information including the user's loan balance and the user's remaining loan term, and calculates the score to be higher as the value obtained by dividing the user's loan balance by the remaining loan term is larger; A recommendation unit that recommends financial products of a type corresponding to the score to the user. Information provision device.

5. an acquisition unit that communicates with a terminal device of a user and acquires raw information indicating the user's economic situation through at least a partial exchange in natural language; a calculation unit that calculates a score regarding the user's investment flexibility based on the raw information including an investment amount and a number of years of investment, and calculates the score to be higher as the value obtained by dividing the investment amount by the number of years of investment is larger; A recommendation unit that recommends financial products of a type corresponding to the score to the user. Information provision device.

6. The calculation unit calculates the score to be higher as the age of the user included in the raw information is lower.

6. An information providing device according to claim 1.

7. The recommendation unit increases a degree of recommendation for investment in financial products with high volatility as the score increases.

6. An information providing device according to claim 1.

8. The information providing device, communicating with a user's terminal device to obtain raw information indicative of the user's financial situation at least in part through a natural language query; Calculate a score related to the user's investment freedom using one or more pieces of information among the difference between the user's annual income included in the original information and the annual expenditure included in the original information, the value obtained by dividing the user's loan balance included in the original information by the remaining loan term included in the original information, and the value obtained by dividing the investment amount included in the original information by the number of years of investment included in the original information; recommending to the user financial products of a type corresponding to the score; Information provision method.

9. A processor of the information providing device Communicating with a terminal device of a user and obtaining raw information indicative of the user's economic situation through at least a partial natural language interaction; Calculating a score related to the user's investment freedom using one or more pieces of information among the difference between the user's annual income included in the original information and the annual expenditure included in the original information, the value obtained by dividing the user's loan balance included in the original information by the remaining loan term included in the original information, and the value obtained by dividing the investment amount included in the original information by the number of years for investment included in the original information; recommending to the user financial products of a type corresponding to the score; program.

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