Information processing system, information processing method, and program

Abstract

To provide an information processing system that can easily simulate the amount of insurance required for succession measures through intuitive operations. [Solution] The information processing system includes an acquisition unit that acquires financial information, a calculation unit that calculates the required insurance amount based on the financial information, and an output unit that outputs the required insurance amount, wherein the output unit further outputs a successor risk information setting change slider that can set or change successor risk information related to a successor who will succeed the business, and an heir risk information setting change slider that can set or change heir risk information related to an heir who will inherit shares, and when operation of the successor risk information setting change slider or the heir risk information setting change slider is detected, the output unit again outputs the required insurance amount calculated based on the set or changed successor risk information or heir risk information.

Description

[Technical Field]

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

[0002] Patent Document 1 discloses an information processing device that outputs a transition of the required insurance amount based on a user's life plan design information, and designs an insurance product based on the transition. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2024-66278 Summary of the Invention [Problem to be solved by the invention]

[0004] In order for users such as representatives of business companies to manage their companies or carry out business succession in a healthy manner, it is necessary to take measures against various risks of company management or business succession for the business company and its employees, and to prepare insurance in case of the representative's retirement or death.

[0005] Although information processing devices such as those in Patent Document 1 can design insurance products based on the trend in the insurance requirement calculated based on the user's life plan design information, there is a problem in that it is not possible to easily simulate the insurance requirement required for succession measures to prepare for risks during business succession using intuitive operations.

[0006] Therefore, the present invention has been made in consideration of the above circumstances, and relates to providing an information processing system, an information processing method, and a program that can easily simulate the insurance amount required for succession measures through intuitive operations. [Means for solving the problem]

[0007] The present invention is an information processing system comprising an acquisition unit that acquires financial information, a calculation unit that calculates the required insurance amount based on the financial information, and an output unit that outputs the required insurance amount, wherein the output unit further outputs a successor risk information setting change slider that can set or change successor risk information related to a successor who will succeed the business, and an heir risk information setting change slider that can set or change heir risk information related to an heir who will inherit shares, and when operation of the successor risk information setting change slider or the heir risk information setting change slider is detected, the output unit again outputs the required insurance amount calculated based on the set or changed successor risk information or heir risk information. [Effects of the Invention]

[0008] The information processing system according to the present invention has the effect of making it possible to easily simulate the insurance amount required for succession measures through intuitive operations. [Brief explanation of the drawings]

[0009] [Figure 1] 1 is a diagram showing the overall configuration of an information processing system 1. FIG. [Figure 2] 1 is a diagram illustrating a hardware configuration of an information processing device 100. FIG. [Figure 3] FIG. 2 is a diagram illustrating a hardware configuration of a user terminal 200. [Figure 4] 2 is a diagram illustrating an example of the functional configuration of a control unit 110 of the information processing device 100. FIG. [Figure 5] FIG. 10 is a diagram showing an example of a basic information input screen P100 in the information processing system 1. [Figure 6] 13 is a diagram showing an example of a corporate business overview description registration screen P200 in the information processing system 1. FIG. [Figure 7] 10 is a diagram showing an example of an insurance acceptance screen P300 in the information processing system 1. FIG. [Figure 8] FIG. 10 is a diagram showing an example of a risk countermeasure information input screen P400 in the information processing system 1. [Figure 9] FIG. 10 is a diagram showing an example of a business cycle selection screen P500 in the information processing system 1. [Figure 10] FIG. 10 is a diagram showing an example of a risk countermeasure selection screen P600 in the information processing system 1. [Figure 11] FIG. 10 is a diagram showing an example of a succession countermeasure simulation screen P700 in the information processing system 1. [Figure 12] 10 is a flow chart showing an example of a corporate business overview description registration process by the information processing system 1. FIG. [Figure 13] 10 is a flow chart showing an example of a risk countermeasure selection screen output process by the information processing system 1. FIG. [Figure 14] 10 is a flow chart showing an example of a succession countermeasure simulation screen output process by the information processing system 1. FIG. [Figure 15] 10 is a flow chart showing an example of a process for setting or changing the necessary amount of insurance for succession measures by the information processing system 1. FIG. DETAILED DESCRIPTION OF THE INVENTION

[0010] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described below with reference to the accompanying drawings. Various features shown in the following embodiments can be combined with each other.

[0011] Incidentally, the program for realizing the software appearing in this embodiment may be provided as a non-transitory computer-readable medium, or may be provided so that it can be downloaded from an external server, or may be provided so that the program is started on an external computer and its functions are realized on a client terminal (so-called cloud computing).

[0012] In this embodiment, the term "unit" may also include, for example, a combination of hardware resources implemented by a circuit in the broad sense and software information processing that can be specifically realized by these hardware resources. In addition, various types of information are handled in this embodiment, and this information may be represented by, for example, physical values ​​of signal values ​​representing voltages and currents, high and low signal values ​​as a binary bit set consisting of 0 or 1, or quantum superposition (so-called quantum bits), and communication and calculations may be performed on a circuit in the broad sense.

[0013] In addition, a circuit in the broad sense is a circuit realized by at least appropriately combining a circuit, circuitry, a processor, a memory, etc. That is, it includes an application specific integrated circuit (ASIC), a programmable logic device (e.g., a simple programmable logic device (SPLD), a complex programmable logic device (CPLD), and a field programmable gate array (FPGA)), etc.

[0014] 1. Hardware Configuration In the first section, the hardware configuration of the information processing system 1 according to this embodiment will be described.

[0015] FIG. 1 is a diagram showing an example of the overall configuration of an information processing system 1 according to this embodiment. As shown in FIG. 1, the information processing system 1 includes an information processing device 100 and a user terminal 200, which are connected via a network NW. Here, the system exemplified as the information processing system 1 is made up of one or more devices or components. Therefore, for example, even if a system includes devices or components other than the information processing device 100, it can still be an example of the information processing system 1. Furthermore, such FIG. 1 is merely an example for explaining the invention, and for example, the number of user terminals 200 is not limited to that shown in FIG. 1.

[0016] 1-1. Information processing device 100 Fig. 2 is a diagram showing the hardware configuration of the information processing device 100. As shown in Fig. 2, the information processing device 100 includes a control unit 110, a storage unit 120, and a communication unit 130, and these components are electrically connected via a communication bus 160 inside the information processing device 100. Each component will be further described.

[0017] The control unit 110 processes and controls the overall operations related to the information processing device 100. The control unit 110 is, for example, a central processing unit (CPU) not shown. The control unit 110 realizes various functions related to the information processing device 100 by reading out predetermined programs stored in the storage unit 120. In other words, information processing by software stored in the storage unit 120 is specifically realized by the control unit 110, which is an example of hardware, and can be executed as each functional unit included in the control unit 110. This will be described in further detail in the next section. Note that the control unit 110 is not limited to being a single unit, and multiple control units 110 may be provided for each function. A combination of these may also be used.

[0018] The storage unit 120 stores various information necessary for information processing by the information processing device 100. This may be implemented, for example, as a storage device such as a solid state drive (SSD) that stores various programs related to the information processing device 100 executed by the control unit 110, or as a memory such as a random access memory (RAM) that stores information (arguments, arrays, etc.) temporarily required for program calculations. Alternatively, it may be implemented as a combination of these.

[0019] The communication unit 130 preferably uses a wired communication means such as USB, IEEE1394, Thunderbolt (registered trademark), or wired LAN network communication, but may also use wireless LAN network communication, mobile communication such as 5G / LTE / 3G, or BLUETOOTH (registered trademark) communication as needed. That is, it is more preferable to implement the communication unit 130 as a combination of these multiple communication means. That is, the communication unit 130 communicates various information with the user terminal 200 via the network NW.

[0020] 1-2. User terminal 200 The user terminal 200 is a terminal device used by a user such as a representative of a business company. The user terminal 200 may be a fixed terminal or a mobile terminal realized by a computer device. Examples of the user terminal 200 include a smartphone, a mobile phone, a personal computer (PC), a notebook PC, and a tablet PC. The user terminal 200 may be realized as the user terminal 200 of this embodiment by installing, for example, an application on a general terminal device.

[0021] Fig. 3 is a diagram showing the hardware configuration of user terminal 200. As shown in Fig. 3, user terminal 200 includes a control unit 210, a storage unit 220, a communication unit 230, an input unit 240, and an output unit 250, and these components are electrically connected via a communication bus 260 inside user terminal 200. Descriptions of control unit 210, storage unit 220, and communication unit 230 are omitted because they are substantially the same as the descriptions of control unit 110, storage unit 120, and communication unit 130 in information processing device 100.

[0022] The input unit 240 is used to input various information to the user terminal 200, and receives signals input from a mouse, keyboard, pointing device, touch display, camera, etc. Operational input to the input unit 240 is transferred as a command signal to the control unit 210 via the communication bus 260. The control unit 210 can then execute predetermined control and calculations as necessary.

[0023] The output unit 250 displays text and images, and generates information to be displayed on a display device such as a CRT display, a liquid crystal display, an organic EL display, a plasma display, or a touch display.

[0024] 2. Functional configuration The functional configuration of this embodiment will be described in Section 2. As described above, information processing by software stored in storage unit 120, storage unit 220, and storage unit 320 is specifically realized by control unit 110, control unit 210, and control unit 310, which are examples of hardware, and can be executed as each functional unit included in control unit 110, control unit 210, and control unit 310.

[0025] 2-1. Information processing device 100 4 is a block diagram showing functions realized by the information processing device 100 (control unit 110). Specifically, the information processing device 100 (control unit 110) includes an acquisition unit 111, a calculation unit 112, an output unit 113, and a detection unit 114.

[0026] (Acquisition part 111) The acquisition unit 111 is configured to be able to acquire various types of information.

[0027] For example, the acquisition unit 111 is configured to be able to acquire basic information about a business company.

[0028] The basic information of a business company means basic information about the business company, and specifically includes the business company name, corporate number, industry, capital, number of officers, number of employees, age of the representative (user), average age of employees, etc. The industry can be selected from manufacturing, construction, food and beverage, wholesale, retail, transportation, communications, finance, insurance, real estate, service, etc.

[0029] The acquisition unit 111 is also configured to be able to acquire financial information.

[0030] Financial information includes sales revenue; business sales revenue; cost of sales such as opening inventory, raw material costs, labor costs, outsourcing costs, closing inventory, depreciation, and rent; gross profit; selling and general administrative expenses such as executive compensation, employee salaries, entertainment expenses, depreciation, and rent; operating profit and loss; extraordinary profits; extraordinary losses; profit and loss before tax; assets such as cash and deposits, notes receivable, accounts receivable, inventory, loans, buildings, machinery and equipment, vehicles, ships, and land; liabilities such as notes payable, accounts payable, personal loans, and other loans; and net assets.

[0031] In particular, it is preferable that the financial information acquired by the acquisition unit 111 includes sales, depreciation included in cost of sales (depreciation on cost of sales), depreciation included in selling and general administrative expenses (depreciation on selling and general administrative expenses), executive compensation, operating profit and loss, profit and loss before tax for the period, cash deposits, net assets, personal loans, and other loans.

[0032] It is preferable that the acquisition unit 111 acquires the financial information of the business company from the uploaded corporate business overview description. The data format of the corporate business overview description includes PDF, CSV, text, image, Excel, and the like.

[0033] The acquisition unit 111 is configured to be able to acquire risk countermeasure information.

[0034] The risk management information includes the representative's current age, accounting period information, information on the amount of deficit deduction for the current period, information on deficits to be carried over to the next period, information on the representative's shareholding ratio, information on whether or not there is a plan for business succession, information on the representative's age at the time of succession, and information on the representative's age at which the business will continue, etc. Here, the representative's age at which the business will continue means information on the age that indicates how long the business will continue.

[0035] The acquisition unit 111 is configured to be able to acquire the succession countermeasure information.

[0036] The information for succession measures includes successor risk information, heir risk information, and the like.

[0037] Successor risk information refers to information regarding the progress of succession to a successor, and is selected from, for example, "no successor," "successor in place but not yet negotiated," "successor in place but under negotiation," "successor in place but agreed," or "successor in place but already succeeded."

[0038] Heir risk information refers to information about the relationship between the representative and the heirs, and is selected from, for example, "good relationship with the heirs," "average relationship with the heirs," or "not good relationship with the heirs." Here, "good relationship with the heirs" also includes cases where there is a will, etc.

[0039] (Calculation unit 112) The calculation unit 112 is configured to be able to calculate various insurance necessary amounts.

[0040] For example, the calculation unit 112 is configured to be able to calculate the required amount of insurance (required amount of insurance for succession measures) required when a business is succeeded (succession measures). Specifically, the calculation unit 112 is configured to be able to calculate the required amount of successor risk insurance required to prepare for successor risk and the required amount of heir risk insurance required to prepare for heir risk, and calculate the larger of either amount as the required amount of insurance for succession measures. More specifically, the calculation unit 112 calculates the required amount of successor risk insurance based on the successor risk information and financial information, and calculates the required amount of heir risk insurance based on the heir risk information and financial information, and calculates the larger of either amount as the required amount of insurance for succession measures.

[0041] The required amount of successor risk insurance is calculated using the following formula (1).

[0042] Formula (1): Required amount of successor risk insurance = monthly working capital x m months x successor risk ratio [%]

[0043] (In formula (1), m can be set to any integer. For example, it represents an integer from 1 to 24, but other integers may also be set.) Here, the successor risk ratio [%] means the magnitude of the management risk attributable to the successor who will inherit the company (business), and is associated, for example, as shown in Table 1 below based on the successor risk information acquired by the acquisition unit 111.

[0044] [Table 1] The required amount of heir risk insurance is calculated using the following formula (2).

[0045] Formula (2): Required amount of inheritance risk insurance = monthly working capital x m months x inheritance risk ratio [%]

[0046] (In formula (2), m can be set to any integer. For example, it represents an integer from 1 to 24, but other integers may also be set.) Here, the heir risk ratio [%] means the magnitude of the ownership risk attributable to the heir who inherits the shares, and is associated, for example, as shown in Table 2 below based on the heir risk information and representative shareholding ratio information acquired by the acquisition unit 111.

[0047] [Table 2] In addition, working capital refers to funds to cover various expenses incurred in running a company, and specifically, is calculated using the following formula (3) based on the financial information acquired by the acquisition unit 111.

[0048] Formula (3): Working capital per month = [Sales - (Depreciation of cost of sales + Depreciation of selling and administrative expenses + Operating profit / loss)] / 12 months

[0049] (output unit 113) The output unit 113 is configured to be able to output various types of information or screens.

[0050] For example, the output unit 113 is configured to be able to output a basic information input screen P100 for inputting basic information about a business company.

[0051] 5 is a diagram illustrating an example of a basic information input screen P100 output by the output unit 113. As shown in FIG. 5, the basic information input screen P100 includes a company name input area P101 for inputting the company name; a corporate number input area P102 for inputting the corporate number; an industry selection checkbox P103 for selecting the industry; a capital input area P104 for inputting the capital; a company information input area P105 for inputting company information such as the number of executives, the number of employees, the age of the representative (user), and the average age of employees; an avatar selection checkbox P106 for selecting the type of avatar; a confirmation button P107 for confirming the input or selected basic information; an explanatory text display area P108 for supporting user input; and an avatar P109 representing the facilitator. The inclusion of the explanatory text display area P108 and the avatar P109 on the basic information input screen P100 can improve the motivation of users who are entering basic information.

[0052] The output unit 113 is also configured to be able to output a corporate business overview description registration screen P200 for uploading a corporate business overview description.

[0053] Fig. 6 is a diagram showing an example of a corporate business overview description registration screen P200 output by the output unit 113. As shown in Fig. 6, the corporate business overview description registration screen P200 includes a file selection button P201 for selecting the corporate business overview description to register (upload), a file display area P202 for displaying the uploaded corporate business overview description, an explanatory text display area P203 for supporting user uploads, and an avatar P204 symbolizing the facilitator.

[0054] The output unit 113 is also configured to be able to output an insurance use acceptance screen P300 for accepting the use of insurance.

[0055] Fig. 7 is a diagram showing an example of an insurance utilization reception screen P300 output by the output unit 113. As shown in Fig. 7, the insurance utilization reception screen P300 includes a risk pattern classification table P301 that classifies losses according to their magnitude and frequency, an insurance utilization selection button P302 for selecting the utilization of insurance, an explanation display area P303 that supports the user in selecting the utilization of insurance, and an avatar P304 that symbolizes the facilitator.

[0056] The output unit 113 is also configured to be able to output a risk countermeasure information input screen P400 for inputting risk countermeasure information.

[0057] 8 is a diagram showing an example of a risk countermeasure information input screen P400 output by the output unit 113. As shown in Fig. 8, the risk countermeasure information input screen P400 includes a representative's date of birth input area P401 for inputting the representative's date of birth, a fiscal year input area P402 for inputting the fiscal year of the business company, a current deficit deduction input area P403 for inputting the current fiscal year's deficit deduction amount, a next fiscal year's deficit carryover input area P404 for inputting the deficit to be carried over to the next fiscal year, a shareholding ratio input area P405 for inputting the current representative's shareholding ratio, a business succession selection button P406 for selecting whether or not to carry out business succession, a planned succession age input area P407 for inputting the planned age of succession if succession is to be carried out, a planned business continuation age input area P408 for inputting the planned age at which the business will continue if succession is not to be carried out, a decision button P409 for confirming the input or selected basic information, an explanation display area P410 for supporting the user in inputting risk countermeasure information, and an avatar P411 symbolizing the facilitator.

[0058] The output unit 113 is also configured to be able to output a business cycle selection screen P500 for selecting a business cycle. Examples of business cycles include a start-up period with one to five accounting periods, a growth period with six to ten accounting periods, a stable period when the representative is currently under 60 years old, and a succession period when the representative is currently 60 years old or older.

[0059] Risk management measures during the start-up phase include measures to manage debt, etc. Debt management measures refer to measures to manage the risks associated with the debts that a business company has and to stabilize management.

[0060] Risk management measures during the growth phase include borrowing measures and working capital measures. Working capital measures refer to measures to ensure that a business company does not run short of the funds (working capital) necessary to continue its business activities.

[0061] Risk management measures during the stable period include measures to deal with borrowings, working capital, and retirement benefits. Retirement benefits are measures to ensure that there is no shortage of funds necessary for the life and management of the company after the representative's retirement or death.

[0062] Risk countermeasures during the succession period include measures for borrowing, retirement benefits, and succession. Succession measures refer to measures to address risks that may arise when carrying out business succession, and to ensure that there is no shortage of funds necessary to continue business activities.

[0063] Fig. 9 is a diagram showing an example of a business cycle selection screen P500 output by the output unit 113. As shown in Fig. 9, the business cycle selection screen P500 includes a business cycle-specific risk countermeasure display area P501 for displaying risk countermeasures for each business cycle, a start-up period selection button P502 for selecting risk countermeasures for the start-up period, a growth period selection button P503 for selecting risk countermeasures for the growth period, a stable period selection button P504 for selecting risk countermeasures for the stable period, a succession period selection button P505 for selecting risk countermeasures for the succession period, a current business cycle display area P506 for displaying the current business cycle of the business company, an explanatory text display area P507 for supporting the user in selecting a business cycle, and an avatar P508 symbolizing the facilitator.

[0064] The output unit 113 is also configured to be able to output a risk countermeasure selection screen P600 for selecting a risk countermeasure for calculating the required insurance amount.

[0065] 10 is a diagram showing an example of a risk countermeasure selection screen P600 output by the output unit 113. As shown in Fig. 10, the risk countermeasure selection screen P600 includes a business cycle selection tab P601, a current business cycle display area P602 that displays the current business cycle, a loan countermeasure selection button P603 for selecting a loan countermeasure, a retirement benefit countermeasure selection button P604 for selecting a retirement benefit countermeasure, a retirement benefit countermeasure setting button P605 for setting various information for calculating the required insurance amount for the retirement benefit countermeasure, a succession countermeasure selection button P606 for selecting a succession countermeasure, a succession countermeasure setting button P607 for setting various information for calculating the required insurance amount for the succession countermeasure, a total required insurance amount calculation button P608 for determining a risk countermeasure for calculating the required insurance amount and calculating the total required insurance amount, a total required insurance amount display area P609 that displays the calculated total required insurance amount, a required insurance amount trend display area P610 that displays a trend graph and table of the total required insurance amount, an explanation display area P611 that supports the user's selection of a risk countermeasure, and an avatar P612 that symbolizes the facilitator.

[0066] The output unit 113 is also configured to be able to output a succession measure simulation screen P700 for calculating the required insurance amount for succession measures (required insurance amount for succession measures).

[0067] 11 is a diagram showing an example of a succession measures simulation screen P700 output by the output unit 113. As shown in Fig. 11, the succession measures simulation screen P700 includes a successor risk information setting change slider P701 that can set or change the successor risk information, a successor risk rate display area P702 that displays the successor risk rate [%] corresponding to the successor risk information, an insurance importance display area P703 that displays the insurance importance corresponding to the successor risk rate [%], a successor risk insurance required amount display area P704 that displays (output by the output unit 113) the insurance required amount (successor risk insurance required amount) required to prepare for the successor risk, an heir risk information setting change slider P705 that can set or change the heir risk information, an heir risk rate display area P706 that displays the heir risk rate [%] corresponding to the heir risk information, an insurance required amount corresponding to the heir risk rate [%], an insurance required amount corresponding to the heir risk rate [%], an heir risk information setting change slider P707 that can set or change the heir risk information, an heir risk rate display area P708 that displays the heir risk rate [%] corresponding to the heir risk information, an insurance required amount corresponding to the heir risk rate [%] ... It includes an insurance importance display area P707 that displays the importance, an heir risk insurance requirement display area P708 that displays (output by output unit 113) the insurance requirement amount required to prepare for heir risk (heir risk insurance requirement amount), a size relationship display area P709 that displays the size relationship between the successor risk insurance requirement amount and the heir risk insurance requirement amount, an insurance importance ratio display area P710 that displays the ratio of the insurance importance for successor risk and the insurance importance for heir risk, an insurance requirement amount display area P711 that displays (output by output unit 113) the insurance requirement amount required for succession measures (insurance requirement amount for succession measures), a decision button P712 that determines the calculated insurance requirement amount, an explanatory text display area P713 that supports the simulation of succession measures, and an avatar P714 that symbolizes the facilitator.

[0068] The successor risk information setting change slider P701 has a bar portion P701a, a scale portion P701b corresponding to each successor risk information, and a button portion P701c. The button portion P701c is configured to be movable in one direction within the range defined by the bar portion P701a by a drag-and-drop operation by the user, and the successor risk information is set or changed depending on the distance from one end or the other end of the bar portion P701a.

[0069] Note that the successor risk information setting change slider P701 is illustrated as having a configuration in which the button section P701c can be moved in the vertical direction, but this is not limited to this, and for example, the button section P701c may be configured to be movable in the horizontal direction or diagonally.

[0070] Similarly, the heir risk information setting change slider P705 has a bar portion P705a, a scale portion P705b corresponding to each heir risk information, and a button portion P705c. The button portion P705c is configured to be movable in one direction within the range defined by the bar portion P705a by the user's drag-and-drop operation, and the heir risk information is set or changed depending on the distance from one end or the other end of the bar portion P705a.

[0071] Note that the heir risk information setting change slider P705 is illustrated as having a configuration in which the button section P705c can be moved in the vertical direction, but this is not limited to this, and for example, the button section P705c may be configured to be movable in the horizontal direction or diagonally.

[0072] When the successor risk information or heir risk information is set or changed by the user operating the successor risk information setting change slider P701 or the heir risk information setting change slider P705, i.e., by the user operating the button section P701c or the button section P705c, the output section 113 is configured to be able to output the required amount of successor risk insurance, required amount of heir risk insurance, or required amount of insurance for succession measures calculated using the set or changed successor risk information or heir risk information to the succession measures simulation screen P700.

[0073] (Detection unit 114) The detection unit 114 is configured to be able to detect various operations by the user.

[0074] For example, the detection unit 114 is configured to be able to detect a user's operation of the successor risk information setting change slider P701 or the heir risk information setting change slider P705. Specifically, the detection unit 114 is configured to be able to detect a user's drag-and-drop operation of the button section P701c or the button section P705c.

[0075] 3. Information Processing Section 3 describes the flow of operations of the information processing system 1 configured as above. Fig. 12 is a flow diagram showing an example of a corporate business overview description registration process in the information processing system 1 according to this embodiment (steps S101 to S105).

[0076] 3-1. Registration process for the corporate business overview document In step S101, the output unit 113 of the information processing device 100 outputs a basic information input screen P100 to the user terminal 200. The output unit 113 may output the basic information input screen P100 to the user terminal 200 in response to a request from the user terminal 200.

[0077] In step S102, the control unit 210 of the user terminal 200 transmits the basic information of the business company entered or selected on the basic information input screen P100 to the information processing device 100. The acquisition unit 111 of the information processing device 100 acquires the basic information of the business company received from the user terminal 200. Note that the acquisition unit 111 may store the acquired basic information of the business company in the storage unit 120.

[0078] In step S103, the output unit 113 of the information processing device 100 outputs the corporate business overview description registration screen P200 to the user terminal 200. The output unit 113 may output the corporate business overview description registration screen P200 to the user terminal 200 in response to a request from the user terminal 200.

[0079] In step S104, the control unit 210 of the user terminal 200 transmits to the information processing device 100 one or more corporate business overview descriptions registered on the corporate business overview description registration screen P200.

[0080] In step S105, the acquisition unit 111 of the information processing device 100 acquires financial information from the corporate business overview description received from the user terminal 200. The acquisition unit 111 may store the acquired financial information in the storage unit 120.

[0081] 3-2. Risk countermeasure selection screen output processing FIG. 13 is a flow diagram showing an example of a risk countermeasure selection screen output process in the information processing system 1 according to this embodiment (steps S201 to S207).

[0082] In step S201, the output unit 113 of the information processing device 100 outputs an insurance utilization reception screen P300 to the user terminal 200.

[0083] In step S202, the control unit 210 of the user terminal 200 transmits to the information processing device 100 the selection of the insurance utilization selection button P302 displayed on the insurance utilization reception screen P300.

[0084] In step S203, the output unit 113 of the information processing device 100 outputs a risk countermeasure information input screen P400 to the user terminal 200.

[0085] In step S204, the control unit 210 of the user terminal 200 transmits the risk countermeasure information entered or selected on the risk countermeasure information input screen P400 to the information processing device 100. The acquisition unit 111 of the information processing device 100 acquires the risk countermeasure information received from the user terminal 200. The acquisition unit 111 may store the acquired risk countermeasure information in the storage unit 120.

[0086] In step S205, the output unit 113 of the information processing device 100 outputs the business cycle selection screen P500 to the user terminal 200.

[0087] In step S206, the control unit 210 of the user terminal 200 transmits the selection of each business cycle selection button (start-up period selection button P502, growth period selection button P503, stable period selection button P504, or succession period selection button P505) displayed on the business cycle selection screen P500 to the information processing device 100.

[0088] In step S207, the output unit 113 of the information processing device 100 outputs a risk countermeasure selection screen P600 on which the necessary risk countermeasures for each business cycle can be selected according to the selected business cycle to the user terminal 200. For example, on the risk countermeasure selection screen P600 shown in Fig. 10, a loan countermeasure selection button P603, a retirement benefit countermeasure selection button P604, a succession countermeasure selection button P606, and the like, which are necessary for succession countermeasures, are displayed in a selectable manner.

[0089] 3-3. Simulation screen output process for succession measures FIG. 14 is a flow diagram showing an example of a succession countermeasure simulation screen output process in the information processing system 1 according to this embodiment (steps S301 to S305).

[0090] In step S301, the output unit 113 of the information processing device 100 outputs a risk countermeasure selection screen P600 to the user terminal 200.

[0091] In step S302, the control unit 210 of the user terminal 200 transmits to the information processing device 100 the selection of the succession countermeasure setting button P607 displayed on the risk countermeasure selection screen P600.

[0092] In step S303, the output unit 113 of the information processing device 100 outputs a succession countermeasure simulation screen P700 to the user terminal 200.

[0093] 3-4. Setting or changing the amount of insurance required for succession measures FIG. 15 is a flow diagram showing an example of the process of setting or changing the necessary insurance amount for succession measures in the information processing system 1 according to this embodiment (steps S401 to S404).

[0094] In step S401 , the control unit 210 of the user terminal 200 transmits a user operation input to the input unit 240 to the information processing device 100 .

[0095] In step S402, the detection unit 114 of the information processing device 100 detects an operation of the successor risk information setting change slider P701 or the heir risk information setting change slider P705. Specifically, the detection unit 114 detects a drag-and-drop operation of the button section P701c or the button section P705c.

[0096] In step S403, when an operation of the successor risk information setting change slider P701 or the heir risk information setting change slider P705 is detected, the acquisition unit 111 acquires the changed successor risk information or heir risk information.

[0097] In step S404, the calculation unit 112 of the information processing device 100 calculates the required insurance amount (required successor risk insurance amount, required heir risk insurance amount, or required succession countermeasure insurance amount) based on the successor risk ratio or heir risk ratio associated with the changed successor risk information or heir risk information, etc. acquired by the acquisition unit 111. Then, the output unit 113 of the information processing device 100 outputs the required insurance amount calculated by the calculation unit 112 to the succession countermeasure simulation screen P700.

[0098] 4. Effects In Section 4, the effects of this embodiment will be described.

[0099] The information processing system 1 according to this embodiment includes an acquisition unit 111 that acquires financial information, a calculation unit 112 that calculates the required insurance amount based on the financial information, and an output unit 113 that outputs the required insurance amount. The output unit 113 further outputs a successor risk information setting change slider P701 that can set or change successor risk information related to the successor who will succeed the business, and an heir risk information setting change slider P705 that can set or change heir risk information related to the heir who will inherit the shares. When operation of the successor risk information setting change slider P701 or the heir risk information setting change slider P705 is detected, the output unit 113 again outputs the required insurance amount calculated based on the set or changed successor risk information or heir risk information. This allows users to easily simulate the required insurance amount for succession planning through intuitive operations.

[0100] In the information processing system 1 according to this embodiment, the output unit 113 outputs a succession plan simulation screen P700 including a successor risk information setting change slider P701, an heir risk information setting change slider P705, and an insurance requirement amount display area P711 that displays the insurance requirement amount. As a result, the various sliders and insurance requirement amount are output on a single screen, making it possible to easily simulate the insurance requirement amount required for succession plans through more intuitive operations.

[0101] In the information processing system 1 according to this embodiment, the calculation unit 113 calculates the required amount of successor risk insurance based on the successor risk information and financial information, and also calculates the required amount of heir risk insurance based on the heir risk information and financial information, and calculates the larger of the two amounts as the required amount of insurance. This allows for more precise simulation of the required amount of insurance for succession planning.

[0102] In the information processing system 1 according to this embodiment, the required amount of successor risk insurance is calculated based on the successor risk ratio associated with the successor risk information and the working capital calculated from the financial information, and the required amount of heir risk insurance is calculated based on the heir risk ratio and the working capital associated with the heir risk information and the representative's shareholding ratio information, and the larger of either amount is calculated as the required amount of insurance. This allows for a more precise simulation of the required amount of insurance needed for succession planning.

[0103] 5.Other Although the embodiment of the present invention has been described above, the present invention is not limited to this and can be modified as appropriate within the scope of the technical idea of ​​the invention.

[0104] An aspect of the embodiment of the present invention may be a program that causes a computer to function as each unit of the information processing system 1.

[0105] An aspect of the embodiment of the present invention may be an information processing method executed by the information processing system 1. This information processing method includes each process executed by each unit of the information processing system 1.

[0106] As a variant example, each control unit performs write processing (storage processing) and read processing of various data and information to a memory unit, but this is not limited to this, and for example, information processing of each flow may be performed using a register or cache memory within the control unit.

[0107] In the above embodiment, the configuration is such that a user's drag and drop operation can be detected, but the present invention is not limited to this, and for example, the configuration may be such that a user's mouse operation can be detected.

[0108] In the above embodiment, the acquisition unit acquires basic information about the business company, financial information, risk management information, and succession management information, but it may also be configured to acquire this information through an external API interface.

[0109] The acquisition unit may automatically acquire information from various data sources via an external API interface. Specific examples are as follows:

[0110] Management and financial risk information: Bankruptcy probability by industry, corporate credit scores, etc. are obtained from APIs such as Teikoku Databank.

[0111] Human risk information: Mortality and disease incidence rates (by age and gender) of representatives are obtained from the official statistics API.

[0112] Tax and legal information: The latest inheritance tax deduction amounts and related tax rates are obtained from the National Tax Agency API.

[0113] Economic indicator information: Market interest rates, inflation rates, exchange rates, etc. are obtained from the Bank of Japan API, FRED, exchange rate API, etc.

[0114] Insurance premium information: This configuration retrieves insurance company rate tables and product tables from the API of the General Insurance Association of Japan or affiliated insurance companies.

[0115] Industry benchmark information: Industry average financial KPIs are obtained from APIs such as EDINET's XBRL data.

[0116] By utilizing these external data, Information Processing System 1 can realize more precise and up-to-date risk assessment and simulation. [Explanation of symbols]

[0117] 1. Information Processing Systems 100 Information processing device 110 control section 111 Acquisition Department 112 Calculation Unit 113 Output section 114 Detector 120 Storage section 130 Communications Department 160 communication bus 200 user terminals 210 Control Unit 220 Storage section 230 Communications Department 240 Input section 250 Output section 260 Communication Bus

Claims

1. an acquisition unit that acquires financial information; a calculation unit for calculating a required insurance amount based on the financial information; an output unit that outputs the required insurance amount, The output unit further outputs a successor risk information setting change slider that can set or change successor risk information related to a successor who will succeed the business, and an heir risk information setting change slider that can set or change heir risk information related to an heir who will inherit the shares, When an operation of the successor risk information setting change slider or the heir risk information setting change slider is detected, the output unit again outputs the insurance required amount calculated based on the set or changed successor risk information or heir risk information. Information processing system.

2. The output unit outputs a screen including the successor risk information setting change slider, the heir risk information setting change slider, and an insurance required amount display area that displays an insurance required amount. The information processing system according to claim 1 .

3. The calculation unit calculates a successor risk insurance required amount based on the successor risk information and the financial information, and calculates an heir risk insurance required amount based on the heir risk information and the financial information, and calculates the larger of either amount as the insurance required amount. The information processing system according to claim 1 .

4. The calculation unit calculates the successor risk insurance required amount based on the successor risk ratio associated with the successor risk information and the working capital calculated from the financial information, and calculates the heir risk insurance required amount based on the heir risk ratio associated based on the heir risk information and the representative's shareholding ratio information and the working capital, and calculates the larger of either amount as the insurance required amount. The information processing system according to claim 1 .

5. A program, A program for causing a computer to function as each part of the information processing system according to any one of claims 1 to 4.

6. An information processing method executed by an information processing system, 5. An information processing method comprising the processes executed by the units of the information processing system according to claim 1.

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