Information Processing Apparatus, Information Processing Method, and Program

Abstract

Provided are an information processing apparatus, an information processing method, and a program that can execute a useful life plan simulation. 【Solution means】An information processing apparatus 2 according to an aspect of the present disclosure includes a revenue and expenditure acquisition unit 100a that acquires revenue and expenditure information related to the household's revenue and expenditure. The revenue and expenditure information includes information on a first amount allocated to a first asset among the differences where the household's income exceeds the expenditure, and information on a second amount allocated to a second asset among the differences. The revenue and expenditure acquisition unit 100a, an event acquisition unit 100b that acquires event information related to events that can occur in at least a part of a person's life related to the household, and a generation unit 102 that generates asset information related to the household's assets based on the revenue and expenditure information and the event information. The asset information includes information on the first asset and information on the second asset. The generation unit 102, and a first transmission unit 108a that transmits information for displaying the asset information on the terminal device 3.

Description

Technical Field

[0001] The present disclosure relates to an information processing apparatus, an information processing method, and a program.

Background Art

[0002] Conventionally, techniques for simulating a life plan have been known. For example, Patent Document 1 discloses a technique for proposing financial products and / or systems that match a life plan to a user.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, the technique disclosed in Patent Document 1 cannot execute a sufficiently useful life plan simulation. Specifically, there is room for consideration regarding taking into account the income and expenditure and assets of a household.

[0005] The present disclosure provides an information processing apparatus, an information processing method, and a program capable of executing a useful life plan simulation.

Means for Solving the Problems

[0006] An information processing apparatus according to an aspect of the present disclosure includes: a revenue and expenditure acquisition unit that acquires revenue and expenditure information related to the household's revenue and expenditure, where the revenue and expenditure information includes information on a first amount allocated to a first asset and information on a second amount allocated to a second asset among the difference between the household's income and expenditure; an event acquisition unit that acquires event information related to an event that may occur in at least a part of the life of a person related to the household; a generation unit that generates asset information related to the household's assets based on the revenue and expenditure information and the event information, where the asset information includes information on the first asset and information on the second asset; and a first transmission unit that transmits information for displaying the asset information on a terminal device.

[0007] An information processing method according to another aspect of the present disclosure includes a computer executing: acquiring revenue and expenditure information related to the household's revenue and expenditure, where the revenue and expenditure information includes information on a first amount allocated to a first asset and information on a second amount allocated to a second asset among the difference between the household's income and expenditure; acquiring event information related to an event that may occur in at least a part of the life of a predetermined person belonging to the household; generating asset information related to the household's assets based on the revenue and expenditure information and the event information, where the asset information includes information on the first asset and information on the second asset; and transmitting information for displaying the asset information on a terminal device.

[0008] A program according to another aspect of the present disclosure causes a computer to acquire income and expenditure information regarding the income and expenditure of a household, where the income and expenditure information includes information regarding a first amount allocated to a first asset and information regarding a second amount allocated to a second asset among the difference between the household's income and expenditure exceeding the expenditure, acquire event information regarding an event that may occur in at least a part of the life of a predetermined person belonging to the household, generate asset information regarding the assets of the household based on the income and expenditure information and the event information, where the asset information includes information regarding the first asset and information regarding the second asset, and display the asset information on a terminal device.

Effect of the Invention

[0009] According to the present disclosure, it is possible to provide an information processing apparatus, an information processing method, and a program capable of executing useful life plan simulation.

Brief Description of the Drawings

[0010]

Figure 1

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Mode for Carrying Out the Invention

[0011] <1. Overview> With reference to FIG. 1, an overview of the operation of the system 1 according to the present embodiment (hereinafter simply referred to as "system 1") will be described. The system 1 includes an information processing device 2 and a terminal device 3. The terminal device 3 is a device used by a target person (hereinafter simply referred to as "target person") who is the subject of life plan simulation. The information processing device 2 can acquire income and expenditure information regarding the income and expenditure of the household to which the target person belongs, and event information regarding events that may occur in the life of the people related to the household.

[0012] The income and expenditure information includes information regarding income and expenditure for each year (in FIG. 1, each year from the nth year to the (n + 2)th year). Further, the income and expenditure information may include information regarding the first amount (65% of the income and expenditure difference in FIG. 1) allocated to the first asset (investment trust in FIG. 1) and information regarding the second amount (35% of the income and expenditure difference in FIG. 1) allocated to the second asset (savings in FIG. 1) among the difference between the household income and expenditure (hereinafter referred to as "income and expenditure difference").

[0013] The event information includes events that may occur each year and information regarding income and / or expenditure due to the events. An example of an event is "First child enters university" in FIG. 1, and the expenditure due to the event may include, for example, university entrance fees, university tuition fees, and moving expenses to a boarding house. Another example of an event is "Mortgage of house paid off" in FIG. 1, and simulation can be performed assuming that there is no mortgage payment for the house after the event.

[0014] The income and expenditure information and event information are input in the terminal device 3, and the information processing device 2 can acquire these information from the terminal device 3.

[0015] Based on the income and expenditure information and event information, the information processing device 2 generates asset information. An example of the asset information is the result of an asset simulation. The asset information includes information about the first asset (in one example, the transition of the evaluation amount of an investment trust) and information about the second asset (in one example, the transition of a savings account).

[0016] The information processing device 2 can transmit the generated asset information to the terminal device 3. The terminal device 3 can display the received asset information.

[0017] According to the system 1, a life plan simulation can be executed when the balance of income and expenditure is distributed to assets. As a result, the target person can more specifically imagine their own life plan.

[0018] <2. Functional Configuration> Referring to FIG. 2, the functional configuration of the system 1 of the present embodiment will be described. The system 1 includes an information processing device 2, a terminal device 3, and a communication network 4. The information processing device 2 and the terminal device 3 are configured to be communicable via the communication network 4.

[0019] [Terminal Device 3] The terminal device 3 is a communication device used by the target person. The terminal device 3 is, for example, a smartphone, a personal computer, a tablet terminal, a wearable terminal, or the like. The terminal device 3 includes an input interface, an output interface, and a communication interface.

[0020] The input interface is an interface for the terminal device 3 to receive input from the user. The input interface may be a touch panel, a microphone, a camera, a keyboard, a mouse, or the like.

[0021] The output interface is an interface for transmitting information to the user by means of images, sounds, etc. The output interface includes a display (which may also serve as a touch panel) and a speaker, etc.

[0022] The communication interface is an interface for realizing communication with other devices via the communication network 4. The communication interface may be a wireless communication interface or a wired communication interface.

[0023] The terminal device 3 may be able to access the services provided by the information processing device 2 via, for example, a web browser, or may be able to access the services by installing dedicated software.

[0024] [Information Processing Device 2] The information processing device 2 executes various processes for displaying the results of life plan simulation in the terminal device 3. In one embodiment, the information processing device 2 is a server device when the terminal device 3 is a client device. In one embodiment, the information processing device 2 is a cloud server device. Note that the information processing device 2 may be a device including, for example, one or more virtual or physical web server devices and one or more virtual or physical database server devices.

[0025] The information processing device 2 includes a control unit 10, a storage unit 12, a network interface unit 14, and a bus 16. The control unit 10, the storage unit 12, and the network interface unit 14 are electrically connected via the bus 16.

[0026] (Control Unit 10) By executing various programs stored in the storage unit 12 described later, the control unit 10 can function as an acquisition unit 100, a generation unit 102, a reception unit 104, an update unit 106, and a transmission unit 108. The acquisition unit 100 acquires various information. The acquisition unit 100 includes a revenue and expenditure acquisition unit 100a and an event acquisition unit 100b. The revenue and expenditure acquisition unit 100a acquires revenue and expenditure information. The event acquisition unit 100b acquires event information. The generation unit 102 generates asset information. The reception unit 104 receives various operations performed on the terminal device 3. The reception unit 104 includes a change reception unit 104a and an interest rate reception unit 104b. The change reception unit 104a receives operations related to changes in various information. The interest rate reception unit 104b receives operations related to setting the interest rate of an asset. The update unit 106 updates the asset information. The transmission unit 108 transmits the asset information to the terminal device 3. The transmission unit 108 includes a first transmission unit 108a and a second transmission unit 108b. The first transmission unit 108a transmits the asset information before the update by the update unit 106 to the terminal device 3. The second transmission unit 108b transmits the asset information after the update by the update unit 106 to the terminal device 3. Hereinafter, an example of the operation of the information processing apparatus 2 based on these configurations will be described.

[0027] - Basic Configuration of Information Processing Apparatus 2 - The revenue and expenditure acquisition unit 100a acquires revenue and expenditure information related to the household's revenue and expenditure. In one embodiment, the revenue and expenditure information includes information on the first amount allocated to the first asset among the difference between the household's income and expenditure (i.e., the revenue and expenditure difference), and information on the second amount allocated to the second asset among the revenue and expenditure difference. The information on the first amount allocated to the first asset among the revenue and expenditure difference and the information on the second amount allocated to the second asset among the revenue and expenditure difference can also be referred to as "allocation information".

[0028] In one embodiment, the revenue and expenditure information includes information related to the household's income. The information related to the household's income may include, for example, information related to the occupation, annual income, bonus, pension, and real estate income of the subject person. The information related to the household's income may include information on the household's past income, information on the household's current income, and information on the income that the household plans for the future.

[0029] In one embodiment, the income and expenditure information includes information on the household's expenditures. The information on the household's expenditures may include information on living expenses, housing expenses, payment of pension insurance premiums, payment of medical insurance premiums, payment of life insurance premiums, and the like. The information on the household's expenditures may include information on the household's past expenditures, information on the household's current expenditures, and information on the expenditures that the household plans for the future.

[0030] In one embodiment, the first asset and / or the second asset (hereinafter, when the first asset and the second asset are not particularly distinguished, or when they are collectively referred to, these are referred to as "assets") includes financial assets. Financial assets are, for example, deposits, investment trusts, stocks, bonds, and the like. In one embodiment, the assets include assets other than financial assets. Assets other than financial assets may be, for example, real estate and treasury stock.

[0031] In one embodiment, the amount allocated to the assets out of the income and expenditure balance may be specified relative to the income and expenditure balance (for example, "50% of the income and expenditure balance", etc.), or may be specified by a specific numerical value (for example, "100,000 yen", etc.). Note that the total amount of the first amount allocated to the first asset and the second amount allocated to the second asset may or may not match the income and expenditure balance.

[0032] In one embodiment, the income and expenditure information includes information on the household's income and expenditure for each year from the first year to the Nth year. Note that in this embodiment, "N" is assumed to be a natural number corresponding to the length of the period targeted for the simulation.

[0033] The event acquisition unit 100b acquires event information regarding events that may occur in at least a part of a person's life related to the household.

[0034] In one embodiment, the person related to the household may be a person belonging to the household (for example, the subject, the subject's spouse, and children, etc.), or may be a person related to the person belonging to the household (for example, the subject's relatives, the spouse's relatives, and the children's relatives, etc.).

[0035] In one embodiment, the event may be an event that marks a milestone in the life of a person related to the household. The event may be something that has a specific plan for future occurrence, may be something that may occur in the future (regardless of the presence or absence of a specific plan), or may have occurred in the past. The event may be accompanied by income and / or expenditure, or a change thereof. The event may be, for example, a person related to the household's enrollment in school, starting work, getting married, obtaining parental leave or maternity / paternity leave, purchasing a residence or a private car, repairing a residence, ending employment (including retirement), starting to receive a pension, getting sick, inheritance, and death, etc. The event may also be referred to as a life event.

[0036] In one embodiment, the event information includes information indicating who the event is related to. In one embodiment, the event information includes information regarding the occurrence time of the event. In one embodiment, the event information includes information regarding income and / or expenditure due to the event. For example, when there is event information such as "In 25 years, the first child is planned to get married. At that time, 2.5 million yen is planned to be spent as the wedding cost.", "the first child" is an example of information indicating who the event is related to, "in 25 years" is an example of information regarding the occurrence time of the event, and "2.5 million yen" is an example of information regarding income and / or expenditure due to the event.

[0037] Based on the income and expenditure information and the event information, the generation unit 102 generates asset information regarding the household's assets. The asset information includes information regarding the first asset and information regarding the second asset.

[0038] In one embodiment, the asset information may include information regarding the household's assets for each year from the first year to the Nth year. In one example, the generation unit 102 may generate information regarding the household's assets in the nth year (where n is a natural number greater than 1 and less than or equal to N) based on the information regarding the household's assets in the (n - 1)th year, the information regarding the household's income and expenditure in the (n - 1)th year (an example of income and expenditure information), and the information regarding the expenditure due to the event occurring in the (n - 1)th year (an example of event information). That is, the assets in a certain year can be estimated based on the assets, income and expenditure, and events in the previous year.

[0039] The first transmission unit 108a transmits information for displaying the asset information on the terminal device. In the present embodiment, "transmitting information for displaying the asset information on the terminal device" is also referred to as "transmitting the asset information to the terminal device". That is, the "information for displaying the asset information on the terminal device" may be an aspect of the asset information.

[0040] - Other configurations of the information processing device 2 - [Configuration Example 1] In one embodiment, the change reception unit 104a receives an operation regarding the change of the income and expenditure information (hereinafter referred to as "change operation"). In one embodiment, the update unit 106 updates the asset information based on the income and expenditure information changed by the change operation received by the change reception unit 104a. In one embodiment, the second transmission unit 108b transmits information for displaying the asset information updated by the update unit 106 on the terminal device 3.

[0041] In one embodiment, the change operation received by the change reception unit 104a includes an operation for changing the information regarding the household's income and / or expenditure. An example of an operation for changing the information regarding the household's income and / or expenditure is to change the income and expenditure information initially set to "the annual income after 10 years is 6 million yen" to "the annual income after 10 years is 5.5 million yen".

[0042] In one embodiment, the change reception unit 104a receives a change operation that includes an operation of changing distribution information (i.e., information regarding the first amount distributed to the first asset among the balance of payments and information regarding the second amount distributed to the second asset among the balance of payments). An example of an operation of changing the distribution information is to change the originally set distribution information stating that "25% of the balance of payments is distributed to an investment trust and 75% of the balance of payments is distributed to a savings account" to the distribution information stating that "45% of the balance of payments is distributed to stocks and 55% of the balance of payments is distributed to a savings account".

[0043] In one embodiment, the update unit 106 may newly generate asset information based on the balance of payments information changed by the change operation received by the change reception unit 104a, or may change at least a part of the asset information.

[0044] According to this configuration, the target person can execute life plan simulations under various conditions and view the results.

[0045] [Configuration Example 2] In one embodiment, the household includes a first target person and a second target person. In one embodiment, the balance of payments information includes information regarding the setting of associating the first asset with the first target person or the second target person and information regarding the setting of associating the second asset with the first target person or the second target person. In one embodiment, the asset information includes information regarding the first asset associated with at least one of the first target person and the second target person and information regarding the second asset associated with at least one of the first target person and the second target person. In this case, both the first asset and the second asset may be financial assets other than savings accounts.

[0046] In one example, the balance information includes information regarding a setting in which 55% of the balance difference is allocated to an investment trust (an example of a first asset which is a financial asset other than a deposit), associated with a target person (an example of a first target person), 45% of the balance difference is allocated to stocks (an example of a second asset which is a financial asset other than a deposit), and associated with the spouse of the target person (an example of a second target person). In this case, the asset information includes information regarding the investment trust associated with the target person (an example of information regarding a first asset associated with a first target person) and information regarding the stocks associated with the spouse of the target person (an example of information regarding a second asset associated with a second target person).

[0047] According to this configuration, since assets are associated with the persons belonging to the household, it becomes possible to simulate who holds how much assets. Thereby, for example, it becomes possible to present the target person with the exact movement of the assets at the time of inheritance.

[0048] [Configuration Example 3] In one embodiment, the balance information includes information regarding a setting for associating a first asset with a target person and information regarding a setting for associating a second asset with a household. In one embodiment, the asset information includes information regarding the first asset associated with the target person and information regarding the second asset associated with the household. In this case, the first asset may be a financial asset other than a deposit, and the second asset may be a deposit.

[0049] In one example, the balance information includes information regarding a setting in which an investment trust (an example of a first asset which is a financial asset other than a deposit) to which 55% of the balance difference is allocated is associated with a target person (an example of a target person), and a deposit (an example of a second asset) to which 45% of the balance difference is allocated is associated with the household to which the target person belongs. In this case, the asset information includes information regarding the investment trust associated with the target person (an example of information regarding a first asset associated with a target person) and information regarding the deposit associated with the household to which the target person belongs (an example of information regarding a second asset associated with a household).

[0050] According to this configuration, since assets are associated with a specific person belonging to the household and the household itself, it becomes possible to simulate the assets that a specific person will hold and the assets that the household will hold.

[0051] [Configuration Example 4] In one embodiment, the event information includes information regarding the period during which the subject is expected to be alive. The generation unit 102 assumes that if the period during which the subject is expected to be alive distributes a first amount to the first asset associated with the subject and distributes a second amount to the second asset associated with the household, and assumes that after the period during which the subject is expected to be alive has elapsed, the first amount and the second amount are distributed to the second asset associated with the household, and generates asset information.

[0052] FIG. 3 is a conceptual diagram when the generation unit 102 generates asset information. It is assumed that the subject reaches the expected age of survival in the nth year. First, the generation unit 102 assumes that 65% of the balance of income and expenditure is distributed to the subject's investment trust for the period from the (n - 2)th year to the nth year (an example of the period during which the subject is expected to be alive) (an example of assuming that a first amount is distributed to the first asset associated with the subject), and assumes that 35% of the balance of income and expenditure is distributed to the household's savings (an example of assuming that a second amount is distributed to the second asset associated with the household), and generates a part of the asset information. Next, the generation unit 102 assumes that 100% of the balance of income and expenditure is distributed to the savings for the period from the (n + 1)th year to the (n + 3)th year (an example after the period during which the subject is expected to be alive has elapsed) (an example of assuming that the first amount and the second amount are distributed to the second asset associated with the household), and generates the other part of the asset information.

[0053] According to this configuration, it becomes possible to perform a more accurate simulation even regarding, for example, the life plan of a spouse after the subject has passed away.

[0054] [Configuration Example 5] Return to FIG. 2. In one embodiment, the interest rate reception unit 104b receives operations related to setting the first interest rate of the first asset and operations related to setting the second interest rate of the second asset. The generation unit 102 generates asset information on the assumption that the first asset increases or decreases based on the first interest rate and the second asset increases or decreases based on the second interest rate. According to this configuration, it becomes possible to execute a life plan simulation that reflects the increase or decrease of each asset.

[0055] In one embodiment, the interest rate reception unit 104b receives operations related to setting a predetermined interest rate common to the first asset and the second asset. The generation unit 102 generates asset information on the assumption that both the first asset and the second asset increase or decrease based on the predetermined interest rate. According to this configuration, it is no longer necessary for the subject to set the interest rate of each asset. As a result, the subject can execute a life plan simulation more easily.

[0056] In one embodiment, the interest rate reception unit 104b receives operations related to setting the first interest rate of the first asset, operations related to setting the second interest rate of the second asset, and operations related to setting a predetermined interest rate common to the first asset and the second asset, and the generation unit 102, based on the operations by the subject, generates asset information based on either (1) the first asset increases or decreases based on the first interest rate and the second asset increases or decreases based on the second interest rate, or (2) both the first asset and the second asset increase or decrease based on the predetermined interest rate. That is, the subject can select whether to execute the simulation by applying individual interest rates to each asset or to execute the simulation by applying a uniform interest rate to each asset.

[0057] (Storage unit 12) The storage unit 12 stores various types of information for the information processing apparatus 2 to operate. In one embodiment, the storage unit 12 stores a program executed by the control unit 10. In one embodiment, the storage unit 12 stores income and expenditure information, event information, and the like.

[0058] (Network interface unit 14) The network interface unit 14 enables communication with other devices via the communication network 4.

[0059] In the present disclosure, obtaining information includes making the information processable by the control unit 10. Obtaining information may include, for example, receiving the information from other devices, obtaining the information by a predetermined process, and reading the information from the storage unit 12.

[0060] In the present disclosure, generating information may include at least one of making the information obtained by a predetermined process processable by the control unit 10 and storing the information obtained by a predetermined process in the storage unit 12.

[0061] In the present disclosure, determining information may include at least one of selecting at least one from among one or more pieces of information and newly generating the information.

[0062] In the present disclosure, outputting information may include at least one of transmitting the information to other devices and outputting the information by voice or video.

[0063] In the present disclosure, the information processing apparatus 2 receiving an operation may include the information processing apparatus 2 obtaining information regarding the operation performed in the terminal device 3.

[0064] [Communication network 4] The communication network 4 enables communication between the information processing apparatus 2 and the terminal device 3. In one example, the communication network 4 enables communication between the information processing apparatus 2 and the terminal device 3 by TCP / IP.

[0065] <3. Operation examples and display screen examples> [Flowchart] Referring to FIGS. 4-9, an example of the operation of system 1 and the display screen will be described. FIG. 4 is a flowchart showing an example of the operation of information processing apparatus 2. The information processing apparatus 2 first acquires income and expenditure information (S100). Next, the information processing apparatus 2 acquires event information (S102). Next, the information processing apparatus 2 generates asset information based on the income and expenditure information acquired in step S100 and the event information acquired in step S102 (S104).

[0066] Next, the information processing apparatus 2 transmits the asset information generated in step S104 to the terminal device 3 (S106). In one embodiment, in the terminal device 3, the asset information is displayed by a financial asset table (see FIG. 6 described later), a financial asset transition graph (see FIGS. 7-8 described later), and a breakdown of financial assets (see FIG. 9 described later). The financial asset table displays the transition of the assets of the target person in a table format. The financial asset transition graph displays the transition of the assets of the target person in a chart. The breakdown of financial assets displays the breakdown of the assets for a given year.

[0067] Next, the information processing apparatus 2 receives a change operation of the income and expenditure information from the target person via the terminal device 3 (S108). Next, the information processing apparatus 2 updates the asset information based on the income and expenditure information changed by the change operation (S110). Next, the information processing apparatus 2 transmits the updated asset information to the terminal device 3 (S112).

[0068] [Income and Expenditure Information Input Screen] FIG. 5 is a diagram showing an example of the income and expenditure information input screen. The income and expenditure information input screen can be displayed on the terminal device 3. In the example of the display screen in FIG. 5, an income display d100, an expenditure display d102, an income and expenditure balance d104, a distribution information table d106, an add button d108, and a simulation execution button d110 are displayed.

[0069] The income display d100 and the expense display d102 are elements that display the income and expenses of the target person, respectively. In this example, the income display d100 shows "7 million yen", and the expense display d102 shows "6 million yen". The amounts displayed on the income display d100 and the expense display d102 may be directly specified by the target person, or may be the total value of more detailed income items / expense items input by the target person.

[0070] The balance difference d104 is an element that displays the balance difference. In this example, since the income is "7 million yen" and the expense is "6 million yen", the balance difference d104 shows "1 million yen".

[0071] The allocation information table d106 displays the asset balance, current annual savings amount, future allocation ratio, associated target, interest rate, end age, and start age of each financial asset. The target person can input various information including allocation information into the allocation information table d106.

[0072] In the example of the display screen in FIG. 5, for "savings deposit", the balance is "15 million yen", the current annual savings amount is "500,000 yen", the future allocation ratio (i.e., the ratio of the balance difference allocated to the asset) is "20%", it is associated with "household", the interest rate is "0%", and it is displayed that the allocation is made from "35 years old" to "lifetime".

[0073] Also, in the example of the display screen in FIG. 5, for "investment trust", the balance is "10 million yen", the current annual savings amount is "300,000 yen", the future allocation ratio is "50%", it is associated with "the target person", the interest rate is "3%", and it is displayed that the allocation is made from "40 years old" to "65 years old".

[0074] Also, in the example of the display screen in FIG. 5, for "stocks", the balance is "5 million yen", the current annual savings amount is "200,000 yen", the future allocation ratio is "30%", it is associated with "spouse", the interest rate is "2%", and it is displayed that the allocation is made from "40 years old" to "75 years old".

[0075] The add button d108 is a button that can add a row to the distribution information table d106 by being pressed.

[0076] The simulation execution button d110 is a button that can generate asset information based on the income and expenditure information and event information by being pressed. In this example, although the illustration of the input screen for event information is omitted, on the screen for inputting event information, for example, information indicating who the event is related to, information regarding the occurrence time of the event, and information regarding income and / or expenditure due to the event can be input.

[0077] [Financial Asset Table Display Screen] FIG. 6 is a diagram showing an example of a financial asset table display screen. In the display screen example of FIG. 6, a financial asset table d200, a scroll bar d201, an interest rate-free button d202, an individual interest rate button d204, a uniform interest rate button d206, an interest rate input field d208, a back button d210, a financial asset transition graph display button d212, a financial asset breakdown display button d214, and other asset display button d216 are displayed.

[0078] The financial asset table d200 displays the income and expenditure balance, savings associated with the household, investment trusts associated with the subject, tax-deferred savings associated with the subject, stocks associated with the subject, stocks associated with the spouse, and the total household financial assets for each age of the subject and the spouse. The information displayed in the financial asset table d200 is an example of asset information.

[0079] As described with reference to FIG. 5, in this simulation, 20% of the income and expenditure balance is allocated to the "savings" associated with the "household". Therefore, in each year of the financial asset table d200, the savings associated with the household increase by 20% of the previous year's income and expenditure balance.

[0080] Also, as described with reference to FIG. 5, in this simulation, 50% of the balance of payments is allocated to the "investment trust" associated with the "target person". Therefore, in each year of the financial asset table d200, the investment trust associated with the target person increases by 50% of the previous year's balance of payments each year.

[0081] Also, as described with reference to FIG. 5, in this simulation, 30% of the balance of payments is allocated to the "shares" associated with the "spouse". Therefore, in each year of the financial asset table d200, the shares associated with the spouse increase by 30% of the previous year's balance of payments each year.

[0082] The scroll bar d201 is an element for changing the display range of the financial asset table d200. For example, when the target person moves the scroll bar d201 in the right direction of the screen, the simulation results for the period when the target person reaches 41 years old or older can be displayed on the display screen.

[0083] The zero interest rate button d202, the individual interest rate button d204, the uniform interest rate button d206, and the interest rate input field d208 are elements for setting the interest rate for performing the simulation. In the example of the display screen in FIG. 6, since the zero interest rate button d202 is selected, the simulation results assuming that the interest rate of all assets is 0% are displayed in the financial asset table d200.

[0084] The individual interest rate button d204 is a button for displaying the simulation results assuming that the values entered in the "Interest Rate" column in Figure 5 are the interest rates of each asset. As shown in the example of the display screen in Figure 5, in this example, the interest rate of the "Savings Deposit" associated with the "Household" is "0%", the interest rate of the "Investment Trust" associated with the "Subject" is "3%", and the interest rate of the "Stock" associated with the "Spouse" is "2%". Therefore, when the subject presses the individual interest rate button d204 in this example, the simulation results assuming that the investment trust associated with the subject and the stock associated with the spouse increase at the interest rates of "3%" and "2%", respectively, are displayed.

[0085] The uniform interest rate button d206 is a button for displaying the simulation results assuming that all assets increase or decrease based on the interest rate entered in the interest rate input field d208. For example, when the subject enters "3%" in the interest rate input field d208 and then presses the uniform interest rate button d206, the simulation results assuming that the savings deposit associated with the household, the investment trust associated with the subject, the financial instrument savings associated with the subject, the stock associated with the subject, and the stock associated with the spouse each increase at an interest rate of "3%" are displayed.

[0086] The back button d210 is a button that can be pressed to transition to the income and expenditure information input screen (see Figure 5). The subject can change the income and expenditure information by returning to the income and expenditure information input screen. The financial asset transition graph display button d212 is a button that can be pressed to transition to the financial asset transition graph display screen (see Figures 7 - 8 described later). The breakdown of financial assets display button d214 is a button that can be pressed to transition to the breakdown of financial assets display screen (see Figure 9 described later).

[0087] The other asset display button d216 is a button that, when pressed, can transition to a screen for displaying information on assets other than financial assets (e.g., real estate, company shares, etc.) by another table (which can also be referred to as the "other asset table"). The illustration of the other asset table is omitted.

[0088] [Financial Asset Transition Graph Display Screen] Figure 7 is a diagram showing an example of a financial asset transition graph display screen. In the example display screen of Figure 7, a financial asset transition graph d300, a timeline d302, an interest rate-free button d306, an individual interest rate button d308, a flat interest rate button d310, an interest rate input field d312, a back button d314, a financial asset table display button d316, a breakdown of financial assets display button d318, and another asset display button d320 are shown.

[0089] The financial asset transition graph d300 displays, in a stacked bar graph, the savings associated with the household, the investment trusts associated with the subject, the tax-deferred savings associated with the subject, the stocks associated with the subject, and the stocks associated with the spouse for each year. The information displayed in the financial asset transition graph d300 is an example of asset information.

[0090] The timeline d302 displays the events that occur each year. The timeline d302 can be displayed so that each year matches the corresponding year in the financial asset transition graph d300. For example, the left end of the timeline d302 indicates the event that the "second child" enters "elementary school", and the assets of the subject's household at that time are shown by the stacked bar graph at the left end of the financial asset transition graph d300.

[0091] The interest rate-free button d306, the individual interest rate button d308, the flat interest rate button d310, and the interest rate input field d312 may be the same as the interest rate-free button d202, the individual interest rate button d204, the flat interest rate button d206, and the interest rate input field d208 described in the example display screen of Figure 6, so the description is omitted. In the example display screen of Figure 7, the interest rate-free button d306 is pressed.

[0092] The return button d314 is a button that can be transitioned to the income and expenditure information input screen (see FIG. 5) by pressing. The financial asset table display button d316 is a button that can be transitioned to the financial asset table display screen (see FIG. 6) by pressing. The breakdown of financial assets display button d318 is a button that can be transitioned to the breakdown of financial assets display screen (see FIG. 9 described later) by pressing.

[0093] The other assets display button d320 is a button that can be transitioned to a screen for displaying information on assets other than financial assets (for example, real estate and company shares, etc.) by another graph (which can also be referred to as the "other assets transition graph") by pressing. The illustration of the other assets transition graph is omitted.

[0094] FIG. 8 is a diagram for explaining an example of the financial asset transition graph when the uniform interest rate button d310 is pressed. Compared with the financial asset transition graph d300 in FIG. 7, the financial asset transition graph d300 in FIG. 8 further displays the interest rate-applied asset transition d322. The interest rate-applied asset transition d322 displays the transition of assets assuming that the assets have increased based on the set interest rate. On the other hand, the stacked bar graph of the financial asset transition graph d300 in FIG. 8 can display the transition of assets (i.e., the accumulated amount) when no interest rate is applied.

[0095] [Breakdown of Financial Assets Display Screen] FIG. 9 is a diagram showing an example of the breakdown of financial assets display screen. In the example of the display screen in FIG. 9, the breakdown of financial assets d400, table d401, display target time d402, no interest rate button d404, individual interest rate button d406, uniform interest rate button d408, interest rate input field d410, return button d412, financial asset transition graph display button d414, financial asset table display button d416, and other assets display button d418 are displayed.

[0096] The breakdown of financial assets d400 shows the breakdown of the household's assets at the time set at the display target time d402. In this example, since "current" is set at the display target time d402, the breakdown of the household's assets at "current" is shown in the breakdown of financial assets d400. The user can set the display target time d402 to, for example, "30 years later" and display the breakdown of the household's assets at "30 years later" in the breakdown of financial assets d400. The information displayed in the breakdown of financial assets d400 is an example of asset information.

[0097] The no-interest-rate button d404, the individual interest-rate button d406, the flat interest-rate button d408, and the interest-rate input field d410 may be the same as the no-interest-rate button d202, the individual interest-rate button d204, the flat interest-rate button d206, and the interest-rate input field d208 described in the display screen example of FIG. 6, so the description is omitted.

[0098] The back button d412 is a button that can be pressed to transition to the income and expenditure information input screen (see FIG. 5). The financial asset transition graph display button d414 is a button that can be pressed to transition to the financial asset transition graph display screen (see FIGS. 7-8). The financial asset table display button d416 is a button that can be pressed to transition to the financial asset table display screen (see FIG. 6).

[0099] The other assets display button d418 is a button that can be pressed to transition to a screen for displaying information on the breakdown of assets other than financial assets (e.g., real estate and company shares, etc.) by another pie chart (which can also be referred to as "breakdown of other assets"). The illustration of the breakdown of other assets graph is omitted.

[0100] <4. Hardware Configuration> Referring to FIG. 10, an example of the hardware configuration when the devices included in the above-described system 1 are realized by a computer 70 will be described. Note that the functions of each device can also be realized by dividing them among a plurality of devices.

[0101] As shown in FIG. 10, computer 70 includes a processor 700, a storage device 702, an input I / F 704, a data I / F 706, a communication I / F 708, and a display device 710.

[0102] The processor 700 controls various processes in the computer 70 by executing programs stored in the storage device 702. For example, each functional unit included in the control unit 10 of the information processing device 2 can be realized by the processor 700 executing a program stored in the storage device 702.

[0103] The storage device 702 is a storage medium such as a RAM (Random Access Memory), for example. The RAM temporarily stores program codes of programs executed by the processor 700 and data required during program execution.

[0104] The storage device 702 is also a non-volatile storage medium such as a hard disk drive (HDD) or a flash memory, for example. The storage device 702 stores an operating system and various programs for realizing the above configurations. The storage medium storing the various programs may be a non-transitory computer readable medium. In addition, the storage device 702 can store a table for registering various information and a DB for managing the table. Such programs and data are referred to by the processor 700 by being loaded into the storage device 702 as needed.

[0105] The input I / F 704 is a device for receiving inputs from the user. Specific examples of the input I / F 704 include a camera, buttons, a microphone, a keyboard, a mouse, a touch panel, various sensors, wearable devices, etc. The input I / F 704 may be connected to the computer 70 via an interface such as USB (Universal Serial Bus), for example.

[0106] The data I / F 706 is a device for inputting data from outside the computer 70. Specific examples of the data I / F 706 include drive devices for reading data stored in various storage media. The data I / F 706 may be provided outside the computer 70. In that case, the data I / F 706 is connected to the computer 70 via an interface such as USB, for example.

[0107] The communication I / F 708 is a device for performing data communication via the communication network 4, either wired or wirelessly, with a device outside the computer 70. The communication I / F 708 may be provided outside the computer 70. In that case, the communication I / F 708 is connected to the computer 70 via an interface such as USB, for example.

[0108] The display device 710 is a device for displaying various information. Specific examples of the display device 710 include, for example, a liquid crystal display, an organic EL (Electro-Luminescence) display, a display of a wearable device, etc. The display device 710 may be provided outside the computer 70. In that case, the display device 710 is connected to the computer 70 via a display cable or the like, for example. Also, when a touch panel is adopted as the input I / F 704, the display device 710 can be configured integrally with the input I / F 704.

[0109] Moreover, the components included in the device of the system 1 described in the above embodiment are assumed to be such that, when a program stored in the storage device 702 is executed by the processor 700, the defined processing is realized in cooperation with other hardware. In other words, these components are assumed as software or firmware as well as the corresponding hardware, and in both concepts, they are also described as "function", "means", "section", "processing circuit", "unit", or "module", etc., and can be read as each other.

[0110] <5. Modification Example> The embodiments described above are for facilitating the understanding of the present disclosure and are not for limiting and interpreting the present disclosure. The configurations that the embodiments may include are not limited to those illustrated and can be changed as appropriate. Also, it is possible to partially replace or combine the configurations shown in different embodiments.

[0111] The information processing apparatus 2 of the above embodiment may further include a refund reception unit that receives an operation related to setting an insurance refund. In this case, the generation unit 102 may generate asset information further based on the refund. According to this configuration, it becomes possible to execute a more accurate life plan simulation.

[0112] The information processing apparatus 2 of the above embodiment may further include an asset reception unit that receives an operation related to setting assets other than financial assets (for example, real estate, company shares, etc.). In this case, the generation unit 102 may generate asset information further based on the operation related to setting assets other than financial assets received by the asset reception unit. The information generated in this way can be displayed, for example, on a screen that transitions by pressing the other asset display button d216 in FIG. 6, the other asset display button d320 in FIGS. 7 - 8, and the other asset display button d418 in FIG. 9. Also, similar to financial assets, for assets other than financial assets, for example, through an interface such as the no - interest rate button d306, individual interest rate button d308, flat interest rate button d310, and interest rate input field d312 described in FIG. 6, their increase or decrease can be reflected in the asset information. Note that providing separately a screen for displaying financial assets (FIGS. 6 - 9) and a screen for displaying assets other than financial assets is an example of displaying financial assets and assets other than financial assets in an identifiable manner.

[0113] When receiving operations related to the setting of assets other than financial assets, the asset reception unit may further receive the input of additional information regarding the increase or decrease of such assets. The asset reception unit may, for example, receive the input of information regarding the useful life, location, structure, building materials, etc. of real estate. The asset reception unit may, for example, receive the input of information regarding the number of issued shares and the price per share, etc. of the company's own shares. The generation unit 102 may generate asset information including information regarding assets other than financial assets based on such information.

[0114] In the above embodiment (in particular, the embodiment described with reference to FIGS. 5 - 9), an example where the situation of financial assets regarding the target person is displayed on the terminal device 3 has been described. However, on the terminal device 3, the situation of assets other than financial assets may further be displayed in a list. Thereby, the target person can easily grasp the situations of both financial assets and assets other than financial assets on one screen. In this case, the target person may reflect the respective increases and decreases of financial assets and assets other than financial assets in the asset information via an interface such as the interest rate - free button d306, individual interest rate button d308, uniform interest rate button d310, and interest rate input field d312 illustrated in FIG. 6.

[0115] In the financial asset breakdown display screen (FIG. 9) described in the above embodiment, display elements for switching between the display of financial assets (i.e., financial assets input as currently held) excluding the simulation results and the display of simulation results of future financial assets may further be displayed. By operating such display elements, the target person can more easily grasp the difference between the input financial assets and the financial assets based on the simulation results. The display element may be, for example, a toggle switch. In this case, when the target person switches the toggle switch, the presence or absence of the reflection of the simulation results may be switched.

[0116] In the above-described embodiment, the terminal device 3 has been described as being used by the subject, but it is not limited thereto. The terminal device 3 may be used, for example, by a coordinator who executes a life plan simulation, and the subject may be able to check the result.

[0117] In the above-described embodiment, each configuration described using "first" and "second" (for example, first asset / second asset, first subject / second subject, and first interest rate / second interest rate, etc.) is not limited to two, and may be three or more. For example, the income and expenditure information may include information on the first amount allocated to the first asset out of the income and expenditure balance, information on the second amount allocated to the second asset out of the income and expenditure balance, information on the third amount allocated to the third asset out of the income and expenditure balance, …, and information on the Mth amount allocated to the Mth asset out of the income and expenditure balance. However, "M" is a natural number corresponding to the number of types of assets.

[0118] In the above-described embodiment, an example in which the information processing device 2 updates the asset information in response to a change operation of the income and expenditure information has been described, but it is not limited thereto. The information processing device 2 may be configured to update the asset information in response to a change operation of the event information.

[0119] In the above-described embodiment, for convenience of explanation, the income and expenditure information and the event information have been separately described, but there may be cases where they cannot be clearly separated. For example, an event may involve an expenditure, which may cause fluctuations in the household income and expenditure.

[0120] In the above embodiment, the balance of income and expenditure was described as the difference between a household's income exceeding its expenditure, but it is not limited to this. The balance of income and expenditure may be the difference (negative) between a household's income falling short of its expenditure. In this case, the balance of income and expenditure for each year is reflected in the asset information of the subject person, for example, based on the ratio of each asset amount to the total amount of the subject person's financial assets. For example, if the balance of income and expenditure of the subject person is "-500,000 yen" per year, 50% of the total amount of the subject person's financial assets is investment trusts, and 50% is savings deposits, then for each year when the balance of income and expenditure is "-500,000 yen", the asset information is generated such that the investment trusts decrease by "250,000 yen" and the savings deposits decrease by "250,000 yen". Also, for example, when the balance of income and expenditure is negative, the priority order of the assets to be decreased may be determined, and the asset information may be generated such that the assets decrease based on the priority order.

[0121] <6. Configuration example> This disclosure includes the following technologies.

[0122] [Appendix 1] An income and expenditure acquisition unit 100a that acquires income and expenditure information regarding a household's income and expenditure, where the income and expenditure information includes information regarding a first amount allocated to a first asset and information regarding a second amount allocated to a second asset out of the difference between the household's income exceeding its expenditure, an event acquisition unit 100b that acquires event information regarding an event that can occur in at least a part of a person's life regarding the household, a generation unit 102 that generates asset information regarding the household's assets based on the income and expenditure information and the event information, where the asset information includes information regarding the first asset and information regarding the second asset, and a first transmission unit 108a that transmits information for displaying the asset information on the terminal device 3. The information processing device 2 includes these components.

[0123] [Appendix 2] A change reception unit 104a that receives an operation related to the change of the balance information, an update unit 106 that updates the asset information based on the balance information changed by the operation received by the change reception unit 104a, and a second transmission unit 108b that transmits information for displaying the asset information updated by the update unit 106 on the terminal device 3. The information processing apparatus 2 described in Supplementary Note 1.

[0124] [Supplementary Note 3] The household includes a first subject and a second subject. The balance information includes information related to the setting of associating the first asset with the first subject or the second subject, and information related to the setting of associating the second asset with the first subject or the second subject. The asset information includes information related to the first asset associated with at least one of the first subject and the second subject, and information related to the second asset associated with at least one of the first subject and the second subject. The information processing apparatus 2 described in Supplementary Note 1 or 2.

[0125] [Supplementary Note 4] Both the first asset and the second asset are financial assets other than time deposits. The information processing apparatus 2 described in Supplementary Note 3.

[0126] [Supplementary Note 5] The household includes a subject. The balance information includes information related to the setting of associating the first asset with the subject, and information related to the setting of associating the second asset with the household. The asset information includes information related to the first asset associated with the subject, and information related to the second asset associated with the household. The information processing apparatus 2 described in any one of Supplementary Notes 1 to 4.

[0127] [Supplementary Note 6] The first asset is a financial asset other than a time deposit, and the second asset is a time deposit. The information processing apparatus 2 described in Supplementary Note 5.

[0128] [Supplementary Note 7] The event information includes information regarding the period during which the target person is expected to survive. The generation unit 102 assumes that if a first amount is allocated to a first asset associated with the target person and a second amount is allocated to a second asset associated with the household for the period during which the target person is expected to survive, and that after the period during which the target person is expected to survive has elapsed, the first amount and the second amount are allocated to the second asset associated with the household, and generates asset information. The information processing apparatus 2 described in Supplementary Note 5 or 6.

[0129] [Supplementary Note 8] The information processing apparatus 2 further includes an interest rate reception unit 104b that receives an operation related to setting a first interest rate for the first asset and an operation related to setting a second interest rate for the second asset. The generation unit 102 generates asset information assuming that the first asset increases or decreases based on the first interest rate and the second asset increases or decreases based on the second interest rate. The information processing apparatus 2 described in any one of Supplementary Notes 1 to 7.

[0130] [Supplementary Note 9] The information processing apparatus 2 further includes an interest rate reception unit 104b that receives an operation related to setting a predetermined interest rate common to the first asset and the second asset. The generation unit 102 generates asset information assuming that both the first asset and the second asset increase or decrease based on the predetermined interest rate. The information processing apparatus 2 described in any one of Supplementary Notes 1 to 7.

[0131] [Supplementary Note 10] The information processing apparatus 2 further includes a refund reception unit that receives an operation related to setting an insurance refund. The generation unit 102 generates asset information further based on the refund. The information processing apparatus 2 described in any one of Supplementary Notes 1 to 9.

[0132] [Supplementary Note 11] The information processing apparatus 2 further includes an asset reception unit that receives an operation related to setting an asset other than a financial asset. The generation unit 102 generates asset information further based on the operation related to setting an asset other than a financial asset received by the asset reception unit. The information processing apparatus 2 described in any one of Supplementary Notes 1 to 10.

[0133] [Supplementary Note 12] The information for displaying asset information on the terminal device 3 is the information processing device 2 described in Supplementary Note 11, which includes information for distinguishable display of financial assets and assets other than financial assets.

[0134] [Supplementary Note 13] The computer 70 acquires balance information regarding the household's income and expenditure, where the balance information includes information regarding the first amount allocated to the first asset and information regarding the second amount allocated to the second asset among the difference between the household's income and expenditure exceeding the expenditure, acquires event information regarding an event that can occur in at least a part of the life of a predetermined person belonging to the household, generates asset information regarding the household's assets based on the balance information and the event information, where the asset information includes information regarding the first asset and information regarding the second asset, and transmits information for displaying the asset information on the terminal device 3. An information processing method for performing these operations.

[0135] [Supplementary Note 14] A program that causes the computer 70 to acquire balance information regarding the household's income and expenditure, where the balance information includes information regarding the first amount allocated to the first asset and information regarding the second amount allocated to the second asset among the difference between the household's income and expenditure exceeding the expenditure, acquire event information regarding an event that can occur in at least a part of the life of a predetermined person belonging to the household, generate asset information regarding the household's assets based on the balance information and the event information, where the asset information includes information regarding the first asset and information regarding the second asset, and display the asset information on the terminal device 3.

Explanation of Signs

[0136] 1... System, 2... Information processing device, 3... Terminal device, 10... Control unit, 12... Storage unit, 70... Computer, 100... Acquisition unit, 100a... Revenue and expenditure acquisition unit, 100b... Event acquisition unit, 102... Generation unit, 104... Reception unit, 104a... Change reception unit, 104b... Interest rate reception unit, 106... Update unit, 108... Transmission unit, 108a... First transmission unit, 108b... Second transmission unit

Claims

1. an income / expense acquisition unit that acquires income / expense information regarding the income / expense of a household, the income / expense information including information on a first amount of a difference between the income and expenditure of the household, the first amount being allocated to a first asset, and information on a second amount of the difference being allocated to a second asset; an event acquisition unit that acquires event information regarding events that may occur during at least a portion of a lifetime of a person related to the household; an interest rate receiving unit that receives an operation related to setting a first interest rate that is individually associated with the first asset, an operation related to setting a second interest rate that is individually associated with the second asset, and an operation related to setting a common interest rate that is commonly associated with the first asset and the second asset; a selection receiving unit that receives an operation for switching between an individual interest rate mode in which it is assumed that the first asset increases or decreases based on the first interest rate and the second asset increases or decreases based on the second interest rate, and a common interest rate mode in which it is assumed that both the first asset and the second asset increase or decrease based on the common interest rate; A generation unit that generates asset information regarding assets of the household based on the income and expenditure information and the event information, the asset information includes information on the first asset and information on the second asset, when the selection receiving unit receives a switch to the individual interest rate mode, the asset information is generated on the assumption that the first asset increases or decreases based on the first interest rate, and the second asset increases or decreases based on the second interest rate, When the selection receiving unit receives a switch to the common interest rate mode, the asset information is generated on the assumption that both the first asset and the second asset increase or decrease based on the common interest rate. A generation unit; a first transmission unit that transmits information for displaying the asset information on a terminal device; An information processing device comprising:

2. a change receiving unit that receives an operation related to a change to the balance information; an update unit that updates the asset information based on the balance information changed by the operation accepted by the change acceptance unit; a second transmission unit that transmits information for displaying the asset information updated by the update unit on the terminal device; The information processing device according to claim 1 .

3. the household includes a first subject and a second subject; The income / expense information includes information regarding a setting for associating the first asset with the first target person or the second target person, and information regarding a setting for associating the second asset with the first target person or the second target person, The asset information includes information on the first asset associated with at least one of the first subject and the second subject, and information on the second asset associated with at least one of the first subject and the second subject. The information processing device according to claim 1 .

4. The information processing device according to claim 3 , wherein the first asset and the second asset are each a financial asset including at least one of an investment trust, a stock, and a bond.

5. The household includes the subject, The income and expenditure information includes information regarding a setting for associating the first asset with the subject and information regarding a setting for associating the second asset with the household; the asset information includes information regarding the first asset associated with the subject and information regarding the second asset associated with the household; The information processing device according to claim 1 .

6. The first asset is a financial asset including at least one of an investment trust, a stock, and a bond; The second asset is a deposit. The information processing device according to claim 5 .

7. the event information includes information regarding the expected period during which the subject is alive; The generation unit is assuming allocation of the first amount to the first assets associated with the subject and assuming allocation of the second amount to the second assets associated with the household during the subject's expected lifetime; generating the asset information by assuming that the first amount and the second amount will be allocated to the second assets associated with the household after the expected period during which the subject is alive has elapsed; The information processing device according to claim 5 .

8. A refund acceptance unit that accepts an operation related to setting a refund of the insurance, The generating unit generates the asset information further based on the refund amount. The information processing device according to claim 1 .

9. Further comprising an asset reception unit that receives operations related to setting assets including at least one of real estate and company stock, The generation unit generates the asset information further based on an operation related to setting of assets including at least one of real estate and company stock, which is accepted by the asset acceptance unit. The information processing device according to claim 1 .

10. The information for displaying the asset information on the terminal device includes information for distinguishably displaying financial assets and assets including at least one of real estate and company stock. The information processing device according to claim 9.

11. The computer acquiring income and expenditure information regarding income and expenditure of a household, the income and expenditure information including information regarding a first amount of a difference between the household's income and expenditure to be allocated to a first asset and information regarding a second amount of the difference to be allocated to a second asset; obtaining event information regarding events that may occur during at least a portion of a lifetime of a given person belonging to the household; receiving an operation relating to setting a first interest rate associated with the first asset individually, an operation relating to setting a second interest rate associated with the second asset individually, and an operation relating to setting a common interest rate associated with the first asset and the second asset in common; receiving an operation for switching between an individual interest rate mode in which it is assumed that the first asset increases or decreases based on the first interest rate and the second asset increases or decreases based on the second interest rate, and a common interest rate mode in which it is assumed that both the first asset and the second asset increase or decrease based on the common interest rate; generating asset information regarding assets of the household based on the income and expenditure information and the event information, the asset information includes information on the first asset and information on the second asset, When the switch to the individual interest rate mode is accepted, the asset information is generated on the assumption that the first asset increases or decreases based on the first interest rate, and the second asset increases or decreases based on the second interest rate, When the switch to the common interest rate mode is accepted, the asset information is generated on the assumption that both the first asset and the second asset increase or decrease based on the common interest rate. generating asset information; Transmitting information for displaying the asset information on a terminal device; An information processing method.

12. On the computer, acquiring income and expenditure information regarding income and expenditure of a household, the income and expenditure information including information regarding a first amount of a difference between the household's income and expenditure to be allocated to a first asset and information regarding a second amount of the difference to be allocated to a second asset; obtaining event information regarding events that may occur during at least a portion of a lifetime of a given person belonging to the household; receiving an operation relating to setting a first interest rate associated with the first asset individually, an operation relating to setting a second interest rate associated with the second asset individually, and an operation relating to setting a common interest rate associated with the first asset and the second asset in common; receiving an operation for switching between an individual interest rate mode in which it is assumed that the first asset increases or decreases based on the first interest rate and the second asset increases or decreases based on the second interest rate, and a common interest rate mode in which it is assumed that both the first asset and the second asset increase or decrease based on the common interest rate; generating asset information regarding assets of the household based on the income and expenditure information and the event information, the asset information includes information on the first asset and information on the second asset, When the switch to the individual interest rate mode is accepted, the asset information is generated on the assumption that the first asset increases or decreases based on the first interest rate, and the second asset increases or decreases based on the second interest rate, When the switch to the common interest rate mode is accepted, the asset information is generated on the assumption that both the first asset and the second asset increase or decrease based on the common interest rate. generating asset information; displaying the asset information on a terminal device; A program to execute.

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