Operation status display device, operation status display method, and operation status display program

Abstract

To effectively arouse the user's interest in asset management.SOLUTION: An operation situation presentation device 10 visually presents an operation situation of a defined contribution pension of a first user to the first user. The operation situation presentation device 10 includes: an extraction part 12 for extracting a similar user determined to be similar to the first user on the basis of user attributes of the first user and each of a plurality of second users from the plurality of second users; a generation part 13 for generating a scatter diagram in which a position corresponding to the first user and positions corresponding to each of the plurality of second users are plotted, in an orthogonal coordinate system composed of two or three axes including at least an axis corresponding to an item concerning the operation situation of the defined contribution pension; and a presentation part 14 for presenting the scatter diagram generated by the generation part 13 to the first user. The generation part 13 plots a position corresponding to the similar user in a display mode different from a display mode of the positions corresponding to the second users that are not the similar user.SELECTED DRAWING: Figure 2

Description

Technical Field

[0001] The present disclosure relates to an operation status presentation device, an operation status presentation method, and an operation status presentation program.

Background Art

[0002] Conventionally, a mechanism for visually displaying the operation status to a user who is an individual investor conducting financial product transactions has been known. For example, Non-Patent Document 1 discloses a service that provides a screen for displaying the operation status of a specific user (hereinafter referred to as a "specific user") who uses an investment tool, together with the operation status of other users. In the above service, in order not to identify individuals, data on the operation status of other comparable users is limited to data of randomly selected users.

Prior Art Documents

Non-Patent Documents

[0003]

Non-Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In recent years, defined contribution pensions in which individuals contribute and manage pension assets at their own responsibility have been spreading. Such a service is considered useful also for users (subscribers) who manage defined contribution pensions. That is, according to the above service, it becomes possible for users to objectively grasp their own management status. Thereby, it is considered that the interest of users in asset management can be stirred up, and users can be encouraged to carry out active asset formation activities. However, in the above service, comparable data is limited to the data of users randomly extracted each time the service is used. Also, it is not possible to identify what kind of users the randomly extracted users are. For this reason, the comparable data randomly extracted in the above service is not necessarily useful information for specific users, and there is room for further improvement in the above service in stirring up the interest of users in asset management.

[0005] Therefore, one aspect of the present disclosure aims to provide an operation status presentation device, an operation status presentation method, and an operation status presentation program that can effectively stir up the interest of users in asset management.

Means for Solving the Problem

[0006] An operation status presentation device according to one aspect of the present disclosure is an operation status presentation device that visually presents the operation status of a defined contribution pension of a first user to the first user, and includes an extraction unit that extracts a similar user determined to be similar to the first user based on the user attributes of each of the first user and a plurality of second users different from the first user from among the plurality of second users, a generation unit that generates a scatter diagram in which the position corresponding to the first user and the positions corresponding to each of the plurality of second users are plotted in a rectangular coordinate system composed of two or three axes including at least an axis corresponding to an item related to the operation status of the defined contribution pension, and a presentation unit that presents the scatter diagram generated by the generation unit to the first user, and the generation unit plots the position corresponding to the similar user in a display mode different from the display mode of the position corresponding to the second user who is not a similar user.

[0007] According to the above operation status presentation device, a scatter diagram showing the operation status of a plurality of second users different from the first user together with the operation status of the first user himself / herself is presented to the first user. Thereby, the first user can objectively grasp his / her own operation status. Further, in the scatter diagram, the positions corresponding to the similar users determined to be similar to the first user based on the user attributes are plotted in a display mode different from the positions corresponding to the second users other than the similar users. Thereby, the operation status of the similar users considered to be highly valuable as a comparison target for the first user can be presented to the first user in an easy-to-understand manner. As a result, the interest of the first user in asset management can be effectively stimulated.

Effect of the Invention

[0008] According to one aspect of the present disclosure, it is possible to provide an operation status presentation device, an operation status presentation method, and an operation status presentation program that can effectively stimulate a user's interest in asset management.

Brief Description of the Drawings

[0009]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Figure 9

Mode for Carrying Out the Invention

[0010] Hereinafter, embodiments of the present disclosure will be described in detail with reference to the drawings. In the description of the drawings, the same reference numerals are assigned to the same elements, and redundant descriptions are omitted.

[0011] The operation status presentation device 10 according to the embodiment has a function of presenting a screen to a user who is a participant in a defined contribution pension, visually representing the operation status of the user's defined contribution pension together with the operation statuses of a plurality of other users (hereinafter also referred to as the "operation status presentation function"). In the present embodiment, the defined contribution pension is a corporate defined contribution pension, and the plurality of users are employees of the same employer (company). The operation status presentation function operates as a web application optimized for use from terminals such as smartphones and tablets. However, the operation status presentation function is not limited to this, and may operate as a dedicated application installed on the terminal.

[0012] The operation status presentation function is provided, for example, to users who have previously permitted the use of the function. For example, a user who has previously permitted the use of the function can refer to their own operation status together with the operation statuses of other users by using the operation status presentation function. In return, when another user uses the operation status presentation function, their own operation status is displayed on the screen presented to the other user. That is, each user can use the operation status presentation function by permitting their own operation status to be referred to by other users. By making the use of the operation status presentation function a permission system as described above, it is possible to prevent problems regarding personal information such as disclosing the information of users who have not permitted disclosure to others.

[0013] In the following description, one user who uses the operation status presentation function (i.e., one user of interest) may be referred to as the "first user", and users other than the first user may be referred to as the "second user". Each user corresponds to the first user in the scenario where the user uses the operation status presentation function, and corresponds to the second user in the scenario where other users use the operation status presentation function.

[0014] FIG. 1 is a diagram showing an example of the hardware configuration of a computer 100 that constitutes the operation status presentation device 10. For example, the computer 100 includes a processor 101, a main memory unit 102, an auxiliary storage unit 103, a communication control unit 104, an input device 105, and an output device 106. The processor 101 executes an operating system and an application program. The processor 101 is composed of, for example, a CPU. However, the type of the processor 101 is not particularly limited. The main memory unit 102 is composed of, for example, ROM, RAM, etc. The auxiliary storage unit 103 is composed of, for example, HDD, SSD, flash memory, etc., and generally stores a larger amount of data than the main memory unit 102. The communication control unit 104 is composed of, for example, a network card, a wireless communication module, etc. The input device 105 is composed of, for example, a keyboard, a mouse, a touch panel, etc. The output device 106 is composed of, for example, a monitor, a speaker, etc.

[0015] Each functional element of the operation status presentation device 10 is realized by an operation status presentation program 110 pre-stored in the auxiliary storage unit 103. Specifically, each functional element is realized by causing the processor 101 or the main memory unit 102 to read the operation status presentation program 110 and execute the operation status presentation program 110. The processor 101 operates the communication control unit 104, the input device 105, or the output device 106 according to the operation status presentation program 110, and reads and writes data in the main memory unit 102 or the auxiliary storage unit 103. Data or databases required for processing are stored in the main memory unit 102 or the auxiliary storage unit 103.

[0016] The operation status presentation program 110 may be provided after being fixedly recorded on a tangible recording medium such as a CD-ROM, DVD-ROM, semiconductor memory, etc. Alternatively, the operation status presentation program 110 may be provided via a communication network as a data signal superimposed on a carrier wave.

[0017] The operation status presentation device 10 may be configured by one computer 100, or may be configured by a plurality of computers 100. When using a plurality of computers 100, these computers 100 are interconnected via a communication network such as the Internet or an intranet, thereby logically constituting one operation status presentation device 10.

[0018] FIG. 2 is a diagram showing an example of the functional configuration of the information system 1 including the operation status presentation device 10. In addition to the operation status presentation device 10, the information system 1 includes a personnel management server 20, an operation management institution server 30, and a plurality of user terminals T held by each of a plurality of users. The operation status presentation device 10 can transmit and receive data to and from each of the personnel management server 20 and the operation management institution server 30 via a communication network. Also, each user terminal T and the operation status presentation device 10 can transmit and receive data via a communication network. Here, the communication network is not limited to a specific configuration. The communication network can be constructed using any communication network such as the Internet or an intranet, for example.

[0019] The user terminal T is, for example, a mobile terminal such as a smartphone or a tablet. However, the user terminal T may be any computer terminal, for example, a desktop PC, a notebook PC, etc. The user terminal T has a display (such as a touch panel display) for displaying a screen provided by the operation status presentation function of the operation status presentation device 10.

[0020] The personnel management server 20 is a server device that manages personnel information of all employees of a company (including those other than those who are members of a defined contribution pension plan). The personnel management server 20 has a personnel master information storage unit DM1 that stores personnel master information of each employee, and a similar user extraction unit 21.

[0021] The operation management institution server 30 is a server device owned by the operation management institution. The operation management institution is, for example, an institution that records and manages the management status of each user's defined contribution pension plan on behalf of a company. The operation management institution server 30 has a DC master information storage unit DM2 that stores DC master information regarding the management status of each user's defined contribution pension plan.

[0022] The operational status presentation device 10 has, as functional components, an input reception unit 11 (reception unit), an extraction unit 12, a generation unit 13, and a presentation unit 14. The operational status presentation device 10 also has, as a database group for storing various data sets that can be referred to from each of these functional components, a user attribute storage unit D1, a DC information storage unit D2, an operational profile storage unit D3, and an evaluation axis set storage unit D4. Note that in the example of FIG. 2, these databases are shown as elements included in the operational status presentation device 10, but these databases may be stored in a location that can be referred to from each of the functional components of the operational status presentation device 10, and may be, for example, an external database that can communicate with the operational status presentation device 10 via a communication network. FIG. 3 shows an example of data items of the user attributes, DC information, operational profile, and evaluation axis set stored in each of these databases.

[0023] The user attribute storage unit D1 is a database that stores user attributes for each user. User attributes are information indicating characteristics associated with individual users. In this embodiment, the user attributes are part or all of the personnel data (data stored in the personnel master information storage unit DM1) managed by the personnel department of the employer (company) to which the user belongs. That is, the user attributes include the personnel attributes of employees managed by the employer. In the example of FIG. 3, the user attributes include, as data items, employee ID, department code, age, gender, job type, job position, length of service, family composition, DC enrollment date, DC contribution amount, DC matching contribution amount, and similar employee ID. That is, the data (user attributes) for one user (1 record) stored in the user attribute storage unit D1 includes values corresponding to these respective data items. Note that the employee ID is identification information for identifying (uniquely specifying) the user, and the department code is identification information for identifying the department to which the user belongs. Also, the similar employee ID is the employee ID of a similar user specified by the processing of the extraction unit 12 described later. However, the data items shown here are only examples, and the user attributes may not include some of these data items, or may include data items other than these data items (for example, personnel appraisal information, movement history information, attendance information, academic background, marriage history, etc.).

[0024] The DC information storage unit D2 is a database that stores DC information for each user. DC information is information indicating the operation status of a defined contribution pension. In the example of FIG. 3, the DC information includes, as data items, employee ID, asset evaluation amount, cumulative contribution amount, rate of return, asset transition, held product information, return, profit amount, Sharpe ratio, and operation period. That is, the data (DC information) for one user (1 record) stored in the DC information storage unit D2 includes values corresponding to these respective data items. However, the data items shown here are only examples, and the DC information may not include some of these data items, or may include data items other than these data items.

[0025] The operation profile storage unit D3 is a database that stores the operation profile for each user. The operation profile is information indicating the operation policy of the defined contribution pension for each user (including evaluation information (operation rank, deviation rate, etc.) calculated based on the operation policy and performance). In the example of FIG. 3, the operation profile includes the employee ID, risk type, operation rank, deviation rate (the difference between the target and the actual performance), portfolio, target rate of return, and target rate of return range. That is, the data (operation profile) for one user (1 record) stored in the operation profile storage unit D3 includes the values corresponding to these respective data items. However, the data items shown here are merely examples, and the operation profile may not include some of these data items, or may include data items other than these data items.

[0026] The evaluation axis set storage unit D4 is a database that stores one or more evaluation axis sets. The evaluation axis set is information representing a set of evaluation axes that constitute the scatter diagram displayed by the operation status presentation function. In the present embodiment, the scatter diagram displayed by the operation status presentation function is a two-dimensional scatter diagram in which the positions corresponding to each user are plotted on a rectangular coordinate system (XY coordinate system) composed of a vertical axis (X) and a horizontal axis (Y). Therefore, as shown in FIG. 3, the evaluation axis set includes an evaluation axis ID, a vertical axis item, and a horizontal axis item. The evaluation axis ID is information for identifying the evaluation axis. Note that the scatter diagram displayed by the operation status presentation function is not limited to a two-dimensional scatter diagram. For example, the scatter diagram may be a three-dimensional scatter diagram in which the positions corresponding to each user are plotted on a rectangular coordinate system (XYZ coordinate system) composed of three mutually orthogonal axes (X, Y, Z). In this case, the evaluation axis set may include the evaluation axis ID and the items corresponding to each of the three axes. Also, the evaluation axis set includes at least the evaluation axes corresponding to the items related to the operation status of the defined contribution pension. That is, in the present embodiment, at least one of the vertical axis or the horizontal axis includes an item related to the operation status of the defined contribution pension (for example, the operation performance such as the "rate of return" included in the DC information).

[0027] The input reception unit 11 receives the content of the input operation from the user via the user terminal T. The user's input operation is performed, for example, by a touch operation on the touch panel display of the user terminal T. Examples of the user's input operation include preprocessing (initial registration) for using the operation status presentation function, setting of an operation profile (risk type), selection of an evaluation axis set to be applied to the screen (scatter diagram) displayed by the operation status presentation function, and the like.

[0028] The extraction unit 12 extracts similar users similar to each user. In the present embodiment, the extraction unit 12 extracts similar users for each user by using the function of the similar user extraction unit 21 of the personnel management server 20.

[0029] The generation unit 13 generates a scatter diagram in which the position corresponding to the first user and the positions corresponding to each of the plurality of second users are plotted in a rectangular coordinate system corresponding to an arbitrary evaluation axis set stored in the evaluation axis set storage unit D4.

[0030] The presentation unit 14 presents the scatter diagram generated by the generation unit 13 to the first user. For example, the presentation unit 14 presents the scatter diagram to the first user by transmitting drawing data for displaying the scatter diagram on the screen of the user terminal T to the user terminal T of the first user.

[0031] Next, with reference to the flowchart shown in FIG. 4, an example of the operation of the operation status presentation device 10 (including the operation status presentation method according to the embodiment) will be described. Note that the processing procedures shown here are merely examples. That is, in the flowchart shown in FIG. 4, some of the processing procedures may be omitted, the processing order may be changed, or additional processing may be inserted.

[0032] In step S1, preprocessing for using the operation status presentation function is executed. In the preprocessing, the user sets his / her own risk type. The input operation of the user is received by the input reception unit 11. A portfolio is set based on the set risk type. Further, as preprocessing at the first use of the operation status presentation function, for example, a process of receiving the above-described use permission from the user is executed.

[0033] The risk type (risk tolerance) is a value indicating the degree of risk tolerance for obtaining a return. For example, the operation status presentation device 10 presents several preset questions to the user and accepts the user's answers to each question. Then, the operation status presentation device 10 sets the optimal risk type for the user based on the received answer content from the user. The risk type consists of, for example, a plurality of predefined step values (for example, consisting of 1 to 5 steps, and the larger the numerical value, the higher the risk). Alternatively, the operation status presentation device 10 may set the risk type by directly allowing the user to select one step value from a plurality of step values. In this case, descriptions such as "high risk", "standard risk", "low risk", etc. may be added to each risk type so that it is easy for the user to understand. The portfolio is information indicating the investment allocation for each financial product (for example, each asset class such as demand deposits, domestic stocks, foreign stocks, domestic bonds, foreign bonds, real estate investment trusts, etc.). The risk type and portfolio set by the user are stored in the operation profile storage unit D3 as the "risk type" and "portfolio" of the operation profile of the user. Also, when the risk type is set by the user, based on the risk type, the "target rate of return" and "target rate of return range" of the operation profile of the user are automatically set. In other words, each risk type is pre-associated with a target rate of return and a target rate of return range corresponding to the corresponding risk tolerance. Thus, the preprocessing is completed. Note that the risk type and portfolio can be changed by an input operation from the user after the preprocessing is completed. That is, the user can appropriately review their own operation profile and change the settings of the risk type and portfolio.

[0034] In step S2, various types of information are acquired. DC information of each user is acquired from the DC master information storage unit DM2 managed by the operation management institution server 30 and stored in the DC information storage unit D2. Also, user attributes of each user are acquired from the personnel master information storage unit DM1 managed by the personnel management server 20 and stored in the user attribute storage unit D1. Such information acquisition processing may be periodically executed, for example, by batch processing (e.g., daily batch processing) using a nighttime time zone.

[0035] In step S3, the extraction unit 12 extracts similar users for each user (i.e., the user who granted permission to use the operation status presentation function in step S1) (extraction step). For example, the extraction unit 12 transmits a list of the employee IDs of each user to the personnel management server 20. Subsequently, the similar user extraction unit 21 of the personnel management server 20 extracts similar users similar to each user included in the list. Then, the similar user extraction unit 21 transmits the employee IDs of the extracted similar users to the operation status presentation device 10 (extraction unit 12). The extraction unit 12 stores the employee IDs of the similar users received for each user in the user attribute storage unit D1 as the "similar employee IDs" of the user attributes of the user. Such similar user extraction processing may be periodically executed, for example, by batch processing (e.g., monthly batch processing) using a nighttime time zone.

[0036] Here, the user to be processed is referred to as the target user, and an example of the processing of the similar user extraction unit 21 will be described. For example, the similar user extraction unit 21 compares the user attributes of the target user (for example, excluding "employee ID" and "similar employee ID" from the data items of the user attributes shown in FIG. 3. The same applies hereinafter) with the user attributes of each user other than the target user (hereinafter referred to as "non-target user"), and calculates the similarity between the target user and each non-target user. Then, the similar user extraction unit 21 may extract the non-target user having the maximum similarity as the similar user. Alternatively, the similar user extraction unit 21 may extract one or more non-target users having a similarity equal to or higher than a preset threshold as the similar user. Note that the similarity can be calculated by the following method. For example, the similar user extraction unit 21 vectorizes the user attributes of the target user and each non-target user. Then, the cosine similarity between the vectorized user attributes of the target user and the vectorized user attributes of each non-target user is calculated as the above similarity.

[0037] However, the method of extracting similar users is not limited to the method based on the similarity described above. For example, the similar user extraction unit 21 may extract similar users by using a learned model configured by a neural network or the like. For example, the similar user extraction unit 21 may use a learned model that is machine-learned to input the user attributes of two users (for example, the user attributes vectorized as described above) and output a flag value indicating whether the two users are similar based on a certain criterion or more. In this case, the similar user extraction unit 21 can obtain a determination result as to whether the target user and the non-target user are similar (that is, whether the non-target user is a similar user) by inputting the user attributes of the target user and the user attributes of the non-target user into the learned model.

[0038] Also, in the above-described similar user extraction process, it is not always necessary to use all items of the user attributes stored in the user attribute storage unit D1 (excluding items not directly related to user attributes such as employee ID and similar employee ID). For example, the above-described similar user extraction process may be executed based on only some items of the user attributes (for example, age, job type, length of service, and family composition, etc.). Also, the similar user extraction process may extract, as similar users, users who exactly match the first user with respect to such some items. In this case, similar users can be extracted by determining whether the values match for all items.

[0039] Note that the extraction unit 12 may have the function of the above-described similar user extraction unit 21. In that case, by the extraction unit 12 executing the process of the above-described similar user extraction unit 21, similar users for each user may be directly extracted. However, when the personnel management server 20 has, as one of the personnel management functions, a function (similar user extraction unit 21) for extracting similar users of an arbitrary user as in the present embodiment, by using this function, the labor and waste of implementing a duplicate function in the operation status presentation device 10 can be reduced.

[0040] In step S4, the generation unit 13 creates scatter diagram data that is the source data of the scatter diagram displayed by the operation status presentation function. With reference to FIG. 5, an example of the processing procedure for creating the scatter diagram data will be described.

[0041] First, the generation unit 13 selects the evaluation axis set to be processed from among the evaluation axis sets stored in the evaluation axis set storage unit D4. In the example of FIG. 5, the evaluation axis set with the evaluation axis ID "1111", the vertical axis item "rate of return", and the horizontal axis item "length of service" is selected as the evaluation axis set to be processed (see the upper part of FIG. 5). In this example, the vertical axis item "rate of return" is an item related to the operation status of the defined contribution pension and corresponds to the "rate of return" of the DC information stored in the DC information storage unit D2. Also, the horizontal axis item "length of service" is an item related to user attributes and corresponds to the "length of service" of the user attributes stored in the user attribute storage unit D1.

[0042] Subsequently, the generation unit 13 obtains the value of "continuous service years" for each user by referring to the user attribute storage unit D1. Also, the generation unit 13 obtains the value of "rate of return" for each user by referring to the DC information storage unit D2 (refer to the middle part of FIG. 5). Subsequently, the generation unit 13 creates scatter diagram data in which the values of the vertical axis item and the horizontal axis item of the evaluation axis set are associated with the evaluation axis ID and the employee ID (refer to the lower part of FIG. 5). According to the above-described processing, scatter diagram data corresponding to the evaluation axis set selected as the processing target (here, the evaluation axis set with the evaluation axis ID "1111") (that is, data storing the values of the vertical axis item and the horizontal axis item of all users) is created. Also, the generation unit 13 executes the above-described processing for all the evaluation axis sets stored in the evaluation axis set storage unit D4, whereby scatter diagram data corresponding to all the evaluation axis sets is created. The generation unit 13 holds the scatter diagram data for each created evaluation axis set. The scatter diagram data for each evaluation axis set is stored, for example, on an arbitrary database that can be referred to from the generation unit 13. Such scatter diagram data creation processing may be periodically executed, for example, by batch processing (for example, daily batch processing) using a nighttime time zone.

[0043] The processing of steps S5 to S7 is processing for a scenario in which a target user (the first user) uses the operation status presentation function via the user terminal T. That is, the processing of steps S5 to S7 can be executed by an arbitrary user at an arbitrary timing.

[0044] In step S5, the input reception unit 11 receives an operation of a first user for selecting one evaluation axis set from among a plurality of pre-prepared evaluation axis sets (orthogonal coordinate systems). For example, the input reception unit 11 causes a display on the user terminal T to display an evaluation axis set selection screen which is a screen of a web application of the operation status presentation function. Here, the evaluation axis set selection screen displays a list of a plurality of evaluation axis sets stored in the evaluation axis set storage unit D4, and is a screen for allowing the user to select any one of the evaluation axis sets. When the first user executes an operation of selecting one evaluation axis set on the evaluation axis set selection screen, information indicating the selected evaluation axis set (for example, an evaluation axis ID) is transmitted from the user terminal T to the operation status presentation device 10 (input reception unit 11). Thereby, the input reception unit 11 can acquire information on the evaluation axis set selected by the user. In the case where the first user first executes (starts) the operation status presentation function, etc., a preset default evaluation axis set may be applied. In this case, the process of step S5 may be omitted. Further, the operation of the first user for selecting an evaluation axis set may be performed by pressing a switching button displayed on the screen. For example, each time the switching button is pressed by the user, the evaluation axis set applied to the scatter diagram may be switched in a predetermined order. In this case, the list of the evaluation axis sets may not be displayed on the display of the user terminal T.

[0045] In step S6, the generation unit 13 generates a scatter diagram corresponding to the set of evaluation axes selected in step S5 (generation step). More specifically, the generation unit 13 generates a scatter diagram in which the positions corresponding to the first user and the positions corresponding to each of the plurality of second users are plotted in a Cartesian coordinate system corresponding to the set of evaluation axes. With reference to FIG. 6, an example of the processing procedure for generating the scatter diagram will be described. In the example of FIG. 6, the user with employee ID "AAA" corresponds to the "first user", the user with employee ID "BBB" corresponds to the "similar user" of the first user, and the users with employee ID "CCC" and "DDD" correspond to the "second users who are not similar users". In practice, there may be multiple "similar users" and "second users who are not similar users" (especially the latter).

[0046] The generation unit 13 generates a scatter diagram based on the scatter diagram data corresponding to the selected set of evaluation axes. In the example of FIG. 6, the generation unit 13 plots a white square-shaped point P1 corresponding to the first user (AAA), a diamond-shaped point P2 corresponding to the similar user (BBB), and black square-shaped points P3 (P31, P32) corresponding to each of the second users (CCC, DDD) who are not similar users in a Cartesian coordinate system composed of the vertical axis item "rate of return" and the horizontal axis item "number of years of continuous service". In this way, the generation unit 13 plots the position corresponding to the similar user (BBB) in a display mode different from the display mode of the positions corresponding to the second users (CCC, DDD) who are not similar users. More specifically, the generation unit 13 plots the positions corresponding to each second user on the scatter diagram so that the position corresponding to the similar user is visually distinguishable from the positions corresponding to the second users other than the similar user.

[0047] Further, the generation unit 13 may plot, on the scatter diagram, the position corresponding to the virtual target model user determined based on the risk tolerance (risk type) pre-selected by the first user (the star-shaped point P4 in the example of FIG. 6). The target model user is a virtual user who achieves the operation target of the defined contribution pension. The position corresponding to the target model user is derived according to the evaluation axis regarding the operation status of the defined contribution pension (the vertical axis corresponding to "rate of return" in the example of FIG. 6). In this example, the value (4.5) of the "target rate of return" of the operation profile corresponds to the target value of the evaluation axis and corresponds to the position of the target model user on the vertical axis. Also, in this example, since the horizontal axis is the number of years of continuous service, the position of the target model user on the horizontal axis is set at a future time point (for example, the position one year later (the 16th year of continuous service)) than the current time point. According to the above form, in the scatter diagram, the position (point P1) corresponding to the first user and the position (point P3) corresponding to the target model user can be easily visually compared, so that the convenience of the first user can be improved. More specifically, by presenting the position of the target model user, which serves as an operation benchmark, to the first user, the first user can be appropriately urged to review the operation style. Further, the generation unit 13 may extract, for example, by referring to each of the storage units D1 to D3, an actual user who is operating with the best performance (good results) in the same model portfolio as the model portfolio determined based on the risk tolerance of the first user. Then, the generation unit 13 may plot, on the scatter diagram, the position corresponding to the user thus extracted in a manner distinguishable from other users. Also, the generation unit 13 may extract, by referring to the operation profile storage unit D3, users with an operation rank of a certain level or higher or users with a deviation rate of a certain level or lower, and plot, on the scatter diagram, the position corresponding to the user in a manner distinguishable from other users. In this way, by presenting the position corresponding to the user who has actually achieved good results to the first user, the motivation of the first user for operation can be effectively enhanced.

[0048] Further, the generation unit 13 may display the operation target area R determined based on the risk tolerance (risk type) pre-selected by the first user on the scatter diagram. The operation target area R is derived according to the evaluation axis regarding the operation status of the defined contribution pension (the vertical axis corresponding to "rate of return" in the example of FIG. 6). In this example, the value (5.8 - 3.2) of the "target rate of return range" of the operation profile corresponds to the operation target area R corresponding to the evaluation axis. The operation target area R is displayed, for example, in a band shape. The operation target area R may be displayed in a manner that allows points overlapping the area to be visually recognized. For example, it can be expressed by displaying a shaded pattern as in the example of FIG. 6 or coloring it with a color different from other background parts. According to the above configuration, in the scatter diagram, it becomes possible to easily visually grasp whether the position (point P1) corresponding to the first user is within the operation target area R. As a result, the convenience of the first user can be improved. More specifically, by presenting the operation target area R as a guideline for operation to the first user, the first user can be guided to appropriate asset formation (for example, when outside the operation target area R, taking actions to review the operation so that the own operation status enters the operation target area R).

[0049] In addition, the generation unit 13 may plot one or more second positions corresponding to the past operation status of the first user together with the first position (that is, point P1) corresponding to the current operation status of the first user on the scatter diagram. In the example of FIG. 6, the second position (triangular point P5) corresponding to the operation status (here, "rate of return") of the first user one year ago is plotted on the scatter diagram. According to the above configuration, in the scatter diagram, the current operation status (point P1) and the past operation status (point P5) can be easily visually compared, so the convenience of the first user can be improved. More specifically, the first user can be made to realize the need for self-growth or improvement of the operation style.

[0050] In step S7, the presentation unit 14 presents the scatter diagram generated by the generation unit 13 in step S6 to the first user (presentation step). For example, the presentation unit 14 transmits drawing data for displaying the scatter diagram on the screen of the user terminal T to the user terminal T of the first user. FIG. 7 is a diagram showing an example of the scatter diagram displayed on the screen of the user terminal T. In the example of FIG. 7, setting information “investment style: conservative type” based on the risk type of the first user, the balance asset evaluation amount (corresponding to “asset evaluation amount” in the DC information), the operation rate of return (corresponding to “rate of return” in the DC information), the cumulative contribution amount (corresponding to “cumulative contribution amount” in the DC information), and additional information such as the evaluation profit and loss (corresponding to “income amount” in the DC information) are displayed together with the scatter diagram generated in step S6.

[0051] Here, the employee ID of the user corresponding to each point (for example, the point corresponding to the second user) displayed in the scatter diagram may be associated. In this case, the following detailed display function can be realized. For example, when a point corresponding to an arbitrary second user displayed on the scatter diagram is selected by the user, the input reception unit 11 acquires the content of the selection operation (for example, the employee ID of the user corresponding to the selected point). Then, the presentation unit 14 can refer to the user attributes, DC information, and operation profile of the user corresponding to the employee ID by searching the user attribute storage unit D1, the DC information storage unit D2, and the operation profile storage unit D3 using the employee ID as a search key. Thereby, as shown in the right part (bubble part) of FIG. 7, the presentation unit 14 can generate a screen for displaying the detailed information of the user based on the user attributes, DC information, and operation profile of the user corresponding to the employee ID, and present the screen to the first user. Note that the display format of the detailed information of the user is not limited to a specific format. For example, the presentation unit 14 may superimpose the detailed information of the user on the scatter diagram in the form of a bubble display, or may switch to a screen for displaying the detailed information of the user selected from the screen for displaying the scatter diagram.

[0052] According to the operation status presentation device 10 described above, a scatter diagram showing the operation status of a plurality of second users different from the first user together with the operation status of the first user himself / herself is presented to the first user. Thereby, the first user can objectively grasp his / her own operation status. Further, in the scatter diagram, the position corresponding to the similar user determined to be similar to the first user based on the user attribute (point P2 in FIG. 6) is plotted in a display mode different from the position corresponding to the second user other than the similar user (point P3 in FIG. 6). In the present embodiment, as an example, the point P3 of the second user other than the similar user is represented by a black square shape that is not very conspicuous, while the point P2 of the similar user is represented by a star shape that is easy to notice. Thereby, the operation status of the similar user, which is considered to have high value as a comparison target for the first user, can be presented to the first user in an easily understandable manner. For example, the operation status of a similar user whose age and career (number of years of service) are close to those of the first user and whose operation funds (e.g., DC contribution amount, DC matching contribution amount) are close is considered to have high value as reference information for the first user. As a result, the interest of the first user in asset management can be effectively stimulated.

[0053] Further, the operation status presentation device 10 includes an input reception unit 11 that receives an operation of the first user for selecting one evaluation axis set from a plurality of pre-prepared evaluation axis sets, and the generation unit 13 generates a scatter diagram using the one evaluation axis set selected by the operation of the first user received by the input reception unit 11. According to the above configuration, since the first user can freely switch between a plurality of viewpoints (evaluation axis sets) and refer to the scatter diagram, the convenience of the first user can be further improved.

[0054] Further, the operation status presented by the operation status presentation device 10 is the operation status of a corporate-type defined contribution pension, and the first user and the plurality of second users are employees of the same employer. According to the above configuration, by presenting the operation status of colleagues to the first user as reference information, the interest of the first user in asset management can be more effectively stimulated.

[0055] The above has been described in detail based on the embodiments of the present disclosure. However, the present disclosure is not limited to the above embodiments. The present disclosure can be variously modified without departing from its gist.

[0056] For example, as the vertical axis item of the evaluation axis set, in addition to "rate of return" exemplified in this embodiment, for example, "asset appraisal value", "cumulative contribution amount", "income amount", etc. can be used. Also, as the horizontal axis item of the evaluation axis set, in addition to "number of years of continuous service" exemplified in this embodiment, "age", "operation period", etc. can be used. Further, by arbitrarily combining such vertical axis items and horizontal axis items, a plurality of evaluation axis sets can be configured. The plurality of evaluation axis sets may be defined in advance by the service provider or created (newly registered) by the user.

[0057] Also, the viewpoints (types of user attributes) used for extracting similar users may be fixed in advance or selected by user operations. For example, in the latter case, a first user who wants to particularly refer to the operation status of colleagues in the same position can select "position" of the user attribute as a parameter used for extracting similar users. Thus, in the latter case, it becomes possible to extract similar users that the first user wants to particularly compare with their own operation status. That is, it becomes possible to present the operation status of similar users that is more useful to the first user to the first user.

[0058] In the above-described embodiment, an example was given in which a part or all of the personnel master information stored in the personnel management server 20 (personnel master information storage unit DM1) is acquired as the user attributes of each user. However, the method by which the operation status presentation device 10 acquires and stores the user attributes of each user is not limited to the above. For example, the operation status presentation device 10 may automatically acquire data from the personnel management server 20 by API linkage or the like, or may acquire data by a method including some manual operations such as CSV linkage. Further, the operation status presentation device 10 (for example, the presentation unit 14) may generate an editing screen for editing (adding, modifying, deleting, etc.) the data acquired from the personnel management server 20 and present it to the user. Then, the operation status presentation device 10 (for example, the input reception unit 11) may receive a user operation on the editing screen and update the data stored in the user attribute storage unit D1 according to the user operation.

[0059] With reference to FIGS. 8 and 9, a modified example of the processing of the operation status presentation device 10 will be described. FIG. 8 is a flowchart showing an example of the operation of the operation status presentation device 10 according to the modified example. FIG. 9 is a diagram showing an example of a screen (screen SC) generated by the operation status presentation device 10 according to the modified example. The processing shown in FIG. 8 is started, for example, in response to a display request for the screen SC from a first user via the user terminal T.

[0060] In step S11, the extraction unit 12 extracts a second user to be displayed (that is, the second user to be plotted on the scatter diagram). For example, the extraction unit 12 extracts similar users of the first user as the display target by using a predetermined narrowing-down condition that enables extraction of similar users similar to the first user. For example, the narrowing-down condition is set to include a condition that applies to the first user for at least one item included in the user attributes in the initial state. The initial state is, for example, a default state in which the narrowing-down condition has not been customized (setting changed) by the first user.

[0061] Here, as an example, consider the case where the user attributes include each item of gender, family composition, and risk tolerance (in this modified example, "risk tolerance" is used as one of the user attributes). Assume that the gender of the first user is "male", the family composition of the first user is "married (with dependents)", and the risk tolerance of the first user is "aggressive". In this case, the filtering conditions are set to include at least one of the conditions that match the first user for gender (here, "male"), the conditions that match the first user for family composition (here, "married (with dependents)"), and the conditions that match the first user for risk tolerance (here, "aggressive") in the initial state. The extraction unit 12 extracts, as display targets, second users (similar users) that match the above filtering conditions, for example, by referring to the user attribute storage unit D1.

[0062] In step S12, the generation unit 13 generates a scatter plot in which the positions corresponding to the first user and the positions corresponding to each second user extracted by the extraction unit 12 in step S11 are plotted, for example, by executing the same processing as steps S4 and S6 described above. Here, as an example, consider the case where a set of evaluation axes is selected in which the horizontal axis item is "age" and the vertical axis item is "return for 3 years". In this example, the vertical axis corresponds to an item related to the operation status of a defined contribution pension. In this case, the generation unit 13 generates a scatter plot A1 as shown in FIG. 9. As an example, in the scatter plot A1, the positions corresponding to the first user and each second user, as well as the position corresponding to the target model user determined in the same manner as in the above embodiment, are plotted. In the scatter plot A1, the points represented by the diamond-shaped white squares indicate the positions corresponding to the first user, the points represented by the star marks indicate the positions corresponding to the target model user, and the points represented by the black squares indicate the positions corresponding to each second user.

[0063] In step S13, the presentation unit 14 presents the first user with a screen SC including the scatter diagram A1 generated by the generation unit 13 in step S12. The screen SC includes, together with the scatter diagram A1, a condition setting area A2 for setting a narrowing-down condition (i.e., the narrowing-down condition used by the extraction unit 12 in step S11) for determining the second user who is the plotting target of the scatter diagram A1.

[0064] In the example of FIG. 9, the narrowing-down condition includes conditions related to the items of age, gender, family composition, and risk tolerance. However, the narrowing-down condition may be configured to include items other than the above. In this example, the narrowing-down condition is set to extract a second user who satisfies all the conditions set for each item. In FIG. 9, among the plurality of blocks included in each item of the condition setting area A2, the hatched blocks indicate conditions (hereinafter referred to as "extraction conditions") that the extracted second user may correspond to, and the non-hatched blocks indicate conditions (hereinafter referred to as "non-extraction conditions") that the extracted second user should not correspond to. Note that one narrowing-down condition may be configured to allow selection of only one selection item, or may be configured to allow selection of a plurality of selection items. For example, in the example of FIG. 9, the narrowing-down condition related to gender may be configured to allow selection of both "male" and "female". When both "male" and "female" are selected in the narrowing-down condition related to gender, a second user corresponding to "male" or "female" may be the extraction target. In this case, gender is not substantially used as a parameter for narrowing down.

[0065] In the example of FIG. 9, the condition setting area A2 shows that a narrowing-down condition for extracting a second user whose gender corresponds to "male", family composition corresponds to "married (with dependents)", and risk tolerance corresponds to "aggressive" is set. Note that in this example, age is not used as a parameter for narrowing down. That is, second users of all ages are the extraction targets. In the scatter diagram A1, points (black squares) corresponding to each second user extracted by such a narrowing-down condition are displayed.

[0066] Also, as shown in FIG. 9, the screen SC may include a detailed display area A3 that displays detailed information of a second user corresponding to one point selected by the user among the points displayed in the scatter diagram A1. For example, when a point corresponding to a certain specific second user on the scatter diagram A1 is selected by the first user, the presentation unit 14 may display the detailed information corresponding to the selected second user in the detailed display area A3. In the example of FIG. 9, the detailed display area A3 includes information regarding the age, gender, family composition, investment evaluation, return (3 years, 5 years, 10 years), risk (3 years, 5 years, 10 years), risk tolerance, and yield (5 years) of the selected second user. However, the information displayed in the detailed display area A3 is not limited to these. The detailed display area A3 may include not only text information but also diagrams such as graphs and pie charts. For example, the presentation unit 14 can obtain the detailed information to be displayed in the detailed display area A3 by referring to the information stored in the user attribute storage unit D1, the DC information storage unit D2, or the operation profile storage unit D3.

[0067] The filtering conditions displayed in the condition setting area A2 may be configured to be changeable, for example, by a touch operation on the touch panel display of the user terminal T (or a click operation or the like in the case where the user terminal T is a personal computer). In this case, in step S14, the input reception unit 11 may receive a user operation for changing the filtering conditions in the condition setting area A2. For example, each block displayed in the condition setting area A2 may be configured such that the extraction condition and the non-extraction condition can be switched by a touch operation of the user. That is, when a block set to the extraction condition is touched, the block may be changed to the non-extraction condition, and when a block set to the non-extraction condition is touched, the block may be changed to the extraction condition.

[0068] In step S14, when the narrowing-down condition is changed because the input reception unit 11 has received a user operation as described above (step S14: YES), the presentation unit 14 may present the scatter diagram A1 corresponding to the changed narrowing-down condition to the first user. For example, when the narrowing-down condition is changed (step S14: YES), steps S11 to S13 described above may be executed based on the changed narrowing-down condition. As a result, the second user who is the display target of the scatter diagram A1 is changed according to the changed narrowing-down condition.

[0069] Note that the detection of the change in the narrowing-down condition in the condition setting area A2 (step S14: YES) may be performed every time any block included in the condition setting area A2 is selected (that is, every time any block is changed from the extraction condition (or non-extraction condition) to the non-extraction condition (or extraction condition)). Alternatively, the screen SC may be provided with an OK button or the like for finalizing the change in the narrowing-down condition of the condition setting area A2. In this case, the detection of the change in the narrowing-down condition in the condition setting area A2 (step S14: YES) may be performed at the timing when the OK button is selected after a selection operation is performed on one or more blocks. In the latter case, it is possible to prevent the occurrence of unnecessary screen update processing (steps S11 to S13) during the process of changing the narrowing-down condition by the first user.

[0070] In step S15, when an end operation (for example, an operation to close the screen SC) is performed (step S15: YES), the operation status presentation device 10 ends the process. On the other hand, until the end operation is performed, the operation status presentation device 10 continues to display the screen SC and appropriately updates the display of the scatter diagram A1 on the screen SC according to the change in the narrowing-down condition (step S14: YES). Note that the end operation is not limited to the operation of closing the screen SC. For example, the end operation may include various operations such as an operation to transition from the screen SC to another screen, an operation to end the application (for example, a browser, a dedicated application, etc.) that is displaying the screen SC.

[0071] In the above-described modification example, the presentation unit 14 presents, together with the scatter diagram A1, a condition setting area A2 for setting a narrowing-down condition for determining a second user whose plot target is the scatter diagram A1 to the first user. Further, the narrowing-down condition includes, in the initial state, a condition that applies to the first user for at least one item included in the user attributes (in the example of FIG. 9, gender, family composition, and risk tolerance). Then, the extraction unit 12 extracts similar users using the narrowing-down condition. According to the above configuration, it is possible to present the first user with the scatter diagram A1 in which the points corresponding to the second users extracted based on the narrowing-down condition together with the points corresponding to the first user are displayed. That is, useful information regarding the operation status of the defined contribution pension can be presented to the first user. As a result, the interest of the first user in asset management can be effectively stimulated.

[0072] Further, the input reception unit 11 is configured to be able to receive a user operation for changing the narrowing-down condition in the condition setting area A2, and when the user operation is received by the input reception unit 11, the presentation unit 14 presents the first user with the scatter diagram A1 according to the changed narrowing-down condition. According to the above configuration, it is possible to provide the first user with a function of screening (selecting) the second users to be displayed in the scatter diagram A1. That is, the first user can freely select the second users to be displayed in the scatter diagram A1 by changing the narrowing-down condition displayed in the condition setting area A2.

Explanation of Reference Numerals

[0073] 10... Operation status presentation device, 11... Input reception unit (reception unit), 12... Extraction unit, 13... Generation unit, 14... Presentation unit, 110... Operation status presentation program.

Claims

1. An operation status presentation device that visually presents the operation status of the defined contribution pension of the first user to the first user, an extraction unit that extracts similar users determined to be similar to the first user from among a plurality of second users different from the first user based on the user attributes of each of the first user and the plurality of second users, a generation unit that generates a scatter diagram in which positions corresponding to the first user and positions corresponding to each of the plurality of second users are plotted in an orthogonal coordinate system composed of two or three axes including at least an axis corresponding to an item related to the operation status of the defined contribution pension, a presentation unit that presents the scatter diagram generated by the generation unit to the first user, and comprising: the generation unit plots the positions corresponding to the similar users in a display mode different from the display mode of the positions corresponding to the second users who are not the similar users, the generation unit plots, on the scatter diagram, a position corresponding to a virtual target model user determined based on a risk tolerance level preselected by the first user. An operation status presentation device.

2. An operation status presentation device that visually presents the operation status of the defined contribution pension of the first user to the first user, an extraction unit that extracts similar users determined to be similar to the first user from among a plurality of second users different from the first user based on the user attributes of each of the first user and the plurality of second users, a generation unit that generates a scatter diagram in which positions corresponding to the first user and positions corresponding to each of the plurality of second users are plotted in an orthogonal coordinate system composed of two or three axes including at least an axis corresponding to an item related to the operation status of the defined contribution pension, a presentation unit that presents the scatter diagram generated by the generation unit to the first user, and comprising: the generation unit plots the positions corresponding to the similar users in a display mode different from the display mode of the positions corresponding to the second users who are not the similar users, the generation unit displays, on the scatter diagram, an operation target area determined based on a risk tolerance level preselected by the first user. An operation status presentation device.

3. An operation status presentation device that visually presents the operation status of the defined contribution pension of the first user to the first user, An extraction unit that extracts similar users determined to be similar to the first user from among a plurality of second users different from the first user, based on the user attributes of each of the first user and the plurality of second users; A generation unit that generates a scatter diagram in which positions corresponding to the first user and positions corresponding to each of the plurality of second users are plotted in a rectangular coordinate system composed of two or three axes including at least an axis corresponding to an item related to the operation status of the defined contribution pension; A presentation unit that presents the scatter diagram generated by the generation unit to the first user, and is provided with: The generation unit plots the positions corresponding to the similar users in a display mode different from the display mode of the positions corresponding to the second users who are not the similar users; The generation unit plots, in the scatter diagram, one or more second positions corresponding to the past operation status of the first user together with a first position corresponding to the current operation status of the first user. An operation status presentation device.

4. Further comprising a reception unit that receives an operation of the first user for selecting one rectangular coordinate system from among a plurality of the previously prepared rectangular coordinate systems; The generation unit generates the scatter diagram using the one rectangular coordinate system selected by the operation of the first user received by the reception unit. The operation status presentation device according to any one of claims 1 to 3.

5. The user attribute includes at least one of age, gender, occupation, job title, length of service, family composition, joining date of the defined contribution pension, and contribution amount of the defined contribution pension. The operation status presentation device according to any one of claims 1 to 4.

6. The defined contribution pension is a corporate defined contribution pension, The first user and the plurality of second users are employees of the same employer. The operation status presentation device according to claim 5.

7. An operation status presentation method for visually presenting to a first user the operation status of the first user's defined contribution pension, which is executed by a computer, An extraction step of extracting similar users determined to be similar to the first user from among a plurality of second users different from the first user, based on the user attributes of each of the first user and the plurality of second users; In an orthogonal coordinate system composed of two or three axes including at least an axis corresponding to an item related to the operation status of a defined contribution pension, a generation step of generating a scatter diagram in which the position corresponding to the first user and the positions corresponding to each of the plurality of second users are plotted; A presentation step of presenting the scatter diagram generated in the generation step to the first user, including: In the generation step, the positions corresponding to the similar users are plotted in a display mode different from the display mode of the positions corresponding to the second users who are not the similar users; In the generation step, a position corresponding to a virtual target model user determined based on a risk tolerance preselected by the first user is plotted on the scatter diagram. An operation status presentation method. **Claim 8**: An operation status presentation method for visually presenting the operation status of a defined contribution pension of a first user, which is executed by a computer, An extraction step of extracting, from among a plurality of second users different from the first user, similar users determined to be similar to the first user based on the user attributes of each of the first user and the plurality of second users; In an orthogonal coordinate system composed of two or three axes including at least an axis corresponding to an item related to the operation status of a defined contribution pension, a generation step of generating a scatter diagram in which the position corresponding to the first user and the positions corresponding to each of the plurality of second users are plotted; A presentation step of presenting the scatter diagram generated in the generation step to the first user, including: In the generation step, the positions corresponding to the similar users are plotted in a display mode different from the display mode of the positions corresponding to the second users who are not the similar users; In the generation step, an operation target area determined based on a risk tolerance preselected by the first user is displayed on the scatter diagram. An operation status presentation method. **Claim 9**: An operation status presentation method for visually presenting the operation status of a defined contribution pension of a first user, which is executed by a computer, An extraction step of extracting, from among a plurality of second users different from the first user, similar users determined to be similar to the first user based on the user attributes of each of the first user and the plurality of second users; A generating step of generating a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the plurality of second users are plotted in an orthogonal coordinate system having two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan; a presentation step of presenting the scatter diagram generated in the generation step to the first user, In the generating step, a position corresponding to the similar user is plotted in a display manner different from a display manner of a position corresponding to the second user who is not the similar user; An operational status presentation method in which, in the generation step, one or more second positions corresponding to the first user's past operational status are plotted on the scatter plot together with a first position corresponding to the first user's current operational status.

10. An investment status presentation program that causes a computer to function as an investment status presentation device that visually presents an investment status of a first user's defined contribution pension to the first user, The operational status presentation device comprises: an extraction unit that extracts similar users determined to be similar to the first user based on user attributes of the first user and each of the second users from among a plurality of second users different from the first user; a generation unit that generates a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the plurality of second users are plotted in an orthogonal coordinate system having two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan; a presentation unit that presents the scatter diagram generated by the generation unit to the first user; Equipped with The generation unit plots a position corresponding to the similar user in a display manner different from a display manner of a position corresponding to the second user who is not the similar user, An operational status presentation program, wherein the generation unit plots on the scatter diagram a position corresponding to a virtual target model user determined based on a risk tolerance preselected by the first user.

11. An investment status presentation program that causes a computer to function as an investment status presentation device that visually presents the investment status of a first user's defined contribution pension to the first user, The operational status presentation device comprises: an extraction unit that extracts similar users determined to be similar to the first user based on user attributes of the first user and each of the second users from among a plurality of second users different from the first user; a generation unit that generates a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the plurality of second users are plotted in an orthogonal coordinate system having two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan; a presentation unit that presents the scatter diagram generated by the generation unit to the first user; Equipped with The generation unit plots a position corresponding to the similar user in a display manner different from a display manner of a position corresponding to the second user who is not the similar user, The generation unit displays, on the scatter diagram, an investment target area determined based on a risk tolerance preselected by the first user.

12. An investment status presentation program that causes a computer to function as an investment status presentation device that visually presents the investment status of a first user's defined contribution pension to the first user, The operational status presentation device comprises: an extraction unit that extracts similar users determined to be similar to the first user based on user attributes of the first user and each of the plurality of second users, the similar users being determined to be similar to the first user, from among a plurality of second users different from the first user; a generation unit that generates a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the plurality of second users are plotted in an orthogonal coordinate system having two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan; a presentation unit that presents the scatter diagram generated by the generation unit to the first user; Equipped with The generation unit plots a position corresponding to the similar user in a display manner different from a display manner of a position corresponding to the second user who is not the similar user, An operation status presentation program, in which the generation unit plots on the scatter plot one or more second positions corresponding to the first user's past operation status together with a first position corresponding to the first user's current operation status.

13. 1. An investment status presentation device that visually presents an investment status of a defined contribution pension of a first user to the first user, An extraction unit that extracts a user selected based on a set narrowing-down condition from among a plurality of second users different from the first user; In an orthogonal coordinate system composed of two or three axes including at least an axis corresponding to an item related to the operation status of a defined contribution pension, a generation unit that generates a scatter diagram in which the position corresponding to the first user and the positions corresponding to each of the selected users extracted by the extraction unit are plotted; A presentation unit that presents the scatter diagram generated by the generation unit to the first user; The generation unit plots, on the scatter diagram, a position corresponding to a virtual target model user determined based on a risk tolerance level preselected by the first user. An operation status presentation device. **Claim 14**: An operation status presentation device that visually presents the operation status of the defined contribution pension of a first user to the first user, An extraction unit that extracts users selected based on set narrowing conditions from a plurality of second users different from the first user; In an orthogonal coordinate system composed of two or three axes including at least an axis corresponding to an item related to the operation status of a defined contribution pension, a generation unit that generates a scatter diagram in which the position corresponding to the first user and the positions corresponding to each of the selected users extracted by the extraction unit are plotted; A presentation unit that presents the scatter diagram generated by the generation unit to the first user; The generation unit displays, on the scatter diagram, an operation target area determined based on a risk tolerance level preselected by the first user. An operation status presentation device. **Claim 15**: An operation status presentation device that visually presents the operation status of the defined contribution pension of a first user to the first user, An extraction unit that extracts users selected based on set narrowing conditions from a plurality of second users different from the first user; In an orthogonal coordinate system composed of two or three axes including at least an axis corresponding to an item related to the operation status of a defined contribution pension, a generation unit that generates a scatter diagram in which the position corresponding to the first user and the positions corresponding to each of the selected users extracted by the extraction unit are plotted; A presentation unit that presents the scatter diagram generated by the generation unit to the first user; The generation unit plots, on the scatter diagram, one or more second positions corresponding to the past operation status of the first user together with a first position corresponding to the current operation status of the first user. An operation status presentation device. **Claim 16** The presentation unit presents, together with the scatter diagram, a condition setting area for setting the narrowing-down condition for determining the second users to be plotted in the scatter diagram to the first user; The narrowing-down condition includes, in an initial state, a condition that applies to the first user for at least one item included in a user attribute of the first user; The operation status presentation device according to claim 13, wherein the extraction unit extracts the selected users by using the narrowing down condition.

17. a reception unit that receives a user operation to change the search conditions in the condition setting area, The operation status presentation device according to claim 16 , wherein the presentation unit presents the scatter diagram according to the changed narrowing-down condition to the first user when the user operation is accepted by the acceptance unit.

18. A method for visually presenting to a first user the management status of a defined contribution pension plan of the first user, the method comprising: An extraction step of extracting a user selected based on a set narrowing-down condition from among a plurality of second users different from the first user; a generating step of generating a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the selected users extracted in the extracting step are plotted in an orthogonal coordinate system consisting of two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan; a presentation step of presenting the scatter diagram generated in the generation step to the first user, An operational status presentation method, in which in the generating step, a position corresponding to a virtual target model user determined based on a risk tolerance preselected by the first user is plotted on the scatter diagram.

19. A method for visually presenting to a first user the management status of a defined contribution pension plan of the first user, the method comprising: An extraction step of extracting a user selected based on a set narrowing-down condition from among a plurality of second users different from the first user; a generating step of generating a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the selected users extracted in the extracting step are plotted in an orthogonal coordinate system consisting of two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan; A presenting step of presenting the scatter diagram generated in the generating step to the first user, and In the generating step, an operation status presenting method of displaying an operation target area determined based on a risk tolerance level pre-selected by the first user on the scatter diagram. **Claim 20** An operation status presenting method for visually presenting to a first user the operation status of the first user's defined contribution pension, which is executed by a computer, and An extracting step of extracting a user selected based on set narrowing conditions from a plurality of second users different from the first user; A generating step of generating a scatter diagram in which positions corresponding to the first user and positions corresponding to each of the selected users extracted in the extracting step are plotted in a rectangular coordinate system composed of two or three axes including at least an axis corresponding to an item related to the operation status of the defined contribution pension; A presenting step of presenting the scatter diagram generated in the generating step to the first user, and In the generating step, an operation status presenting method of plotting, on the scatter diagram, one or more second positions corresponding to the past operation status of the first user together with a first position corresponding to the current operation status of the first user. **Claim 21** An operation status presenting program for causing a computer to function as an operation status presenting device that visually presents to a first user the operation status of the first user's defined contribution pension, and The operation status presenting device includes An extracting unit that extracts a user selected based on set narrowing conditions from a plurality of second users different from the first user; A generating unit that generates a scatter diagram in which positions corresponding to the first user and positions corresponding to each of the selected users extracted by the extracting unit are plotted in a rectangular coordinate system composed of two or three axes including at least an axis corresponding to an item related to the operation status of the defined contribution pension; A presenting unit that presents the scatter diagram generated by the generating unit to the first user, and In the generating unit, an operation status presenting program that plots on the scatter diagram a position corresponding to a virtual target model user determined based on a risk tolerance level pre-selected by the first user. **Claim 22** An operation status presenting program for causing a computer to function as an operation status presenting device that visually presents to a first user the operation status of the first user's defined contribution pension, and The operational status presentation device comprises: an extraction unit that extracts a user selected based on a set narrowing-down condition from among a plurality of second users different from the first user; a generation unit that generates a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the selected users extracted by the extraction unit are plotted in an orthogonal coordinate system consisting of two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan; a presentation unit that presents the scatter diagram generated by the generation unit to the first user, The generation unit displays, on the scatter diagram, an investment target area determined based on a risk tolerance preselected by the first user.

23. An investment status presentation program for causing a computer to function as an investment status presentation device that visually presents the investment status of a first user's defined contribution pension to the first user, The operational status presentation device comprises: an extraction unit that extracts a user selected based on a set narrowing-down condition from among a plurality of second users different from the first user; a generation unit that generates a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the selected users extracted by the extraction unit are plotted in an orthogonal coordinate system consisting of two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan; a presentation unit that presents the scatter diagram generated by the generation unit to the first user, An operation status presentation program, in which the generation unit plots on the scatter plot one or more second positions corresponding to the first user's past operation status together with a first position corresponding to the first user's current operation status.

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