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 retirement benefits through intuitive operations. [Solution] The information processing system includes an acquisition unit that acquires a user's age information, deposit balance, and annual savings amount information, a calculation unit that calculates the required insurance amount based on the age information, deposit balance, and annual savings amount information, and an output unit that outputs the required insurance amount, wherein the output unit further outputs an age information change slider that can change the age information, and when operation of the age information change slider is detected, the output unit again outputs the required insurance amount calculated based on the changed age 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 amount calculated based on the user's life plan design information, there was a problem in that it was not possible to easily simulate the insurance requirement amount needed to prepare for retirement benefits in preparation for risks such as the representative's retirement or death 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, information processing method, and program that can easily simulate the required insurance amount for retirement benefits measures through intuitive operations. [Means for solving the problem]

[0007] The present invention is an information processing system comprising an acquisition unit that acquires a user's age information, deposit balance information, and annual savings amount information, a calculation unit that calculates the required insurance amount based on the age information, deposit balance, and annual savings amount information, and an output unit that outputs the required insurance amount, wherein the output unit further outputs an age information change slider that can change the age information, and when operation of the age information change slider is detected, the output unit again outputs the required insurance amount calculated based on the changed age information. [Effects of the Invention]

[0008] The information processing system according to the present invention has the effect of enabling the necessary insurance amount for retirement benefits to be easily simulated 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 retirement allowance countermeasure information input screen P700 in the information processing system 1. [Figure 12] 10 is a diagram showing an example of an inheritance tax calculation information input screen P800 in the information processing system 1. FIG. [Figure 13] FIG. 10 is a diagram showing an example of a retirement allowance simulation screen P900 in the information processing system 1. [Figure 14] 10 is a flow chart showing an example of a corporate business overview description registration process by the information processing system 1. FIG. [Figure 15] 10 is a flow diagram showing an example of a risk countermeasure screen output process by the information processing system 1. FIG. [Figure 16] 10 is a flow chart showing an example of a retirement allowance countermeasure simulation screen output process by the information processing system 1. FIG. [Figure 17] 10 is a flow chart showing an example of a process for changing the required amount of insurance for retirement benefits 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 information, depreciation information included in cost of sales (cost of sales and depreciation information), depreciation information included in selling and general administrative expenses (selling and general administrative expenses and depreciation information), executive compensation information, operating profit and loss information, pre-tax current profit and loss information, cash deposit information, net asset information, personal loan information, and other loan information.

[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 information on the current age of the representative, information on the fiscal year end, 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 current representative's shareholding ratio, information on whether or not there is a plan for business succession, information on the expected age of succession, information on the expected age at which the business will continue, etc. Here, the expected age at which the business will continue means information on the age at which the business is planned to continue.

[0035] The acquisition unit 111 is also configured to be able to acquire information for retirement allowance measures.

[0036] The information for retirement allowance planning includes information on the spouse's current age, information on whether inheritance tax is being considered, information on heirs, information on current deposit and savings balances, information on annual savings amounts, and the like.

[0037] Here, the annual savings information includes the representative's pre-retirement annual savings amount before retirement, the representative's post-retirement annual savings amount after retirement and before death, and the representative's post-death annual savings amount after death.

[0038] The acquisition unit 111 is also configured to be able to acquire information for calculating inheritance tax.

[0039] Information for calculating inheritance tax includes information used to calculate inheritance tax, and specifically includes the attributes of heirs such as spouse or children, number of heirs, deposit amount information, securities amount information, real estate amount information, company stock amount information, company claims amount information against the company, other asset amount information, life insurance amount information, tax-exempt life insurance amount information, debt amount information against the company, and other debt amount information.

[0040] (Calculation unit 112) The calculation unit 112 is configured to be able to calculate various insurance necessary amounts.

[0041] For example, the calculation unit 112 is configured to be able to calculate the required insurance amount (required insurance amount for retirement benefits measures) that will be required when the representative retires or dies (retirement benefits measures). Specifically, the calculation unit 112 is configured to be able to calculate the required insurance amount for retirement while alive that will be required when the representative retires while alive, and the required insurance amount for retirement at death that will be required when the representative retires at death, and to calculate the larger of either amount as the required insurance amount for retirement benefits measures.

[0042] The required insurance amount at the time of retirement during one's lifetime means the required insurance amount if the representative retires during his / her lifetime, and is calculated using the following formula (1).

[0043] Formula (1): Insurance required at time of retirement = - [Balance of savings + Annual savings before retirement × (President's expected retirement age - President's current age) + Annual savings after retirement × (President's expected age at death - President's expected retirement age) + Marital status flag × Annual savings after President's death × (President's expected age at death - President's expected age at death - (President's current age - President's current age)) + Inheritance tax consideration flag × Inheritance tax] In equation (1), the spouse flag is a binary value indicating whether or not the person has a spouse, and is set to "1" if the person has a spouse, and "0" if the person does not have a spouse.

[0044] Similarly, the inheritance tax consideration flag represents a binary value indicating whether or not inheritance tax is to be considered, and is assigned "1" if inheritance tax is to be considered, and "0" if inheritance tax is not to be considered.

[0045] The inheritance tax is calculated based on the inheritance tax calculation information acquired by the acquisition unit 111 using a known calculation method in accordance with the Inheritance Tax Act.

[0046] Here, if the value calculated by formula (1) is negative, that is, if the balance of savings remains positive even after the death of the representative or spouse, it means that there is no need to take out insurance.

[0047] The required insurance amount at the time of death or retirement means the required insurance amount when the representative retires due to death, and is calculated using the following formula (2).

[0048] Formula (2): Insurance amount required at time of death and retirement = - [Balance of savings + Marital status flag × Annual savings amount after death × (Expected age of death of spouse - Expected age of death of representative - (Current age of representative - Current age of spouse)) + Inheritance tax consideration flag × Inheritance tax] Here, if the value calculated by formula (2) is negative, that is, if the balance of savings remains positive even after the death of the representative or spouse, it means that there is no need to take out insurance.

[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] FIG. 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 the start-up period with one to five accounting periods, the growth period with six to ten accounting periods, the stable period when the representative is currently under 60 years old, and the succession period when the representative is currently between 60 and 70 years old.

[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 loan countermeasures, retirement benefit countermeasures, and succession countermeasures. Succession countermeasures refer to measures to address risks that may arise when carrying out business succession, 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 retirement allowance countermeasure information input screen P700 for inputting retirement allowance countermeasure information for calculating the required insurance amount for retirement allowance countermeasures (required insurance amount for retirement allowance countermeasures).

[0067] 11 is a diagram showing an example of a retirement benefit plan information input screen P700 output by the output unit 113. As shown in Fig. 11, the retirement benefit plan information input screen P700 includes a spouse presence / absence selection button P701 for selecting whether or not the user has a spouse, a spouse birth date input area P702 for inputting the spouse's date of birth, an inheritance tax consideration / non-consideration selection button P703 for selecting whether or not to consider inheritance tax in calculating the required insurance amount, an heir presence / absence selection button P704 for selecting whether or not the user has an heir for each attribute, a deposit / savings balance input area P705 for inputting the current deposit / savings balance, a pre-retirement annual savings input area P706 for inputting the annual savings amount before retirement, a post-retirement annual savings input area P707 for inputting the annual savings amount after retirement, a post-death annual savings input area P708 for inputting the annual savings amount after death, a confirmation button P709 for confirming the input information, an explanation display area P710 for supporting the user in inputting retirement benefit plan information, and an avatar P711 symbolizing the facilitator.

[0068] The output unit 113 is also configured to be able to output an inheritance tax calculation information input screen P800 for inputting inheritance tax calculation information used to calculate inheritance tax.

[0069] 12 is a diagram showing an example of an inheritance tax calculation information input screen P800 output by the output unit 113. As shown in Fig. 12, the inheritance tax calculation information input screen P800 includes an heir selection button P801 for selecting an heir icon arranged like a household chart, an heir number input area P802 for inputting the number of heirs, an heir number display area P803 for displaying the input or selected number of heirs, a deposit amount input area P804 for inputting the deposit amount, a securities amount input area P805 for inputting the securities amount, a real estate amount input area P806 for inputting the real estate amount, a company stock amount input area P807 for inputting the company stock amount, a company bond input area P808 for inputting the company bond, an other asset amount input area P809 for inputting the amount of other assets, a life insurance amount input area P809 for inputting the life insurance amount, and other information input areas P801, P802, P803, P804, P805, P806, P807, P808, P809, P810, P811, P812, P813, P814, P815, P816, P817, P818, P819, P820, P821, P822, P823, P824, P825, P826, P827, P828, P829, P900, P910, P920, P930, P931, P932, P933, P934, P935, P936, P937, P938, P940, P941, P942, P943, P944, P945, P946, P947, P948, P950, P951, P952, P9 the representative's assets; a representative asset amount display area P814 that displays the amount of assets of the representative; an asset amount change slider P815 that can change the amount of assets of the representative; an inheritance tax display area P816 that displays the inheritance tax calculated based on the amount of assets of the representative; a decision button P817 that determines the amount of inheritance tax; an explanatory text display area P818 that supports input of information for calculating inheritance tax; an avatar P819 that symbolizes the facilitator; and a difference adjustment display area P820 that displays the amount of difference adjustment.

[0070] The asset amount change slider P815 has a bar portion P815a, an amount scale portion P815b, and an asset amount change button portion P815c that can change the asset amount information of the representative. The asset amount change button portion P815c is configured to be movable in one direction within the range defined by the bar portion P815a by the user's drag-and-drop operation, and the asset amount information is set or changed depending on the distance from one end or the other end of the bar portion P815a.

[0071] Note that, although the asset amount change slider P815 is illustrated as being configured such that the asset amount change button section P815c can be moved left and right, the present invention is not limited to this, and for example, the asset amount change button section P815c may be configured to be movable up and down or diagonally. Furthermore, the amount defined by one end or the other of the bar section P815a is not particularly limited, and may be changed as appropriate to make it easier for the user to operate depending on the amount of the user's assets, etc.

[0072] The output unit 113 is configured to be able to output the inheritance tax calculated based on the set or changed asset amount information to the inheritance tax display area P816 when asset amount information is set or changed by the user operating the asset amount change slider P815.

[0073] More specifically, when the asset amount information is set or changed by the user operating the asset amount change slider P815, it is displayed as an adjustment difference, and the total amount after deducting the adjustment difference is output.

[0074] For example, if the user changes the asset amount information from 42 million yen to 52 million yen by operating the asset amount change slider P815 (P815c), the amount displayed in the adjustment difference display area will change from 0 yen to 10 million yen. The representative asset amount display area P814 will display 52 million yen, which is the amount (asset amount) including the adjustment difference. The calculation unit calculates the inheritance tax based on the representative asset amount and the number of heirs. The output unit 113 is configured to be able to output the inheritance tax calculated based on the amount (asset amount) including the adjustment difference to the inheritance tax display area P816.

[0075] The output unit 113 is also configured to be able to output a simulation screen P900 for calculating the required insurance amount for retirement benefits measures (required insurance amount for retirement benefits measures).

[0076] 13 is a diagram showing an example of a retirement allowance simulation screen P900 output by the output unit 113. As shown in Fig. 13, the retirement allowance simulation screen P900 includes a current age display area P901 that displays the current ages of the representative and spouse, a planned retirement age display area P902 that displays the planned retirement ages of the representative and spouse, a representative expected age at death display area P903 that displays the expected age at death of the representative and spouse, a spouse expected age at death display area P904 that displays the expected age at death of the spouse, an age information change slider P905 that can change the age information of the representative and spouse, a living retirement savings amount trend display area P906 that displays the trend of the savings balance if the representative retires while alive, a death retirement savings amount trend display area P907 that displays the trend of the savings balance if the representative retires while alive, and a living retirement insurance required amount display area P908 that displays (output by the output unit 113) the amount of insurance required if the representative retires while alive (living retirement insurance required amount). the required insurance amount at death display area P911, which displays the amount of savings in the event that the representative retires at death; a size relationship display area P912, which displays the size relationship between the required insurance amount at death and the required insurance amount at death; a required insurance amount display area P913, which displays the required insurance amount for retirement benefits measures (required insurance amount for retirement benefits measures) (output by the output unit 113); a savings amount trend display area P914, which displays the trend in the remaining savings amount; a decision button P915, which determines the calculated required insurance amount; an explanation display area P916, which supports the simulation of retirement benefits measures; and an avatar P917, which symbolizes the facilitator.

[0077] The display of the savings amount trend display area P906 at the time of retirement before death and the savings amount trend display area P907 changes in conjunction with the savings balance when the user operates the age information change slider P905. Furthermore, the display of the savings amount trend display area P914 changes in conjunction with the savings balance when the user operates the age information change slider P905.

[0078] The age information change slider P905 has a bar section P905a, an age scale section P905b, a representative current age button section P905c (first button section P905c) that can change the representative's (user's) current age information (representative's current age information), a representative planned retirement age button section P905d (second button section P905d) that can change the representative's planned age at retirement (representative's planned retirement age information), a representative expected age at death button section P905e (third button section P905e) that can change the representative's expected age at death information (representative's expected age at death information), and a spouse expected age at death button section P905f (fourth button section P905f) that can change the spouse's expected age at death information (spouse's expected age at death information). The various buttons P905c to P905f are configured to be movable in one direction within the range defined by the bar P905a by the user's drag-and-drop operation, and each age information is set or changed depending on the distance from one end or the other end of the bar P905a.

[0079] Note that, in the illustrated example of the age information change slider P905, the various buttons P905c to P905f are configured to be movable in the left-right direction, but this is not limiting, and for example, the various buttons P905c to P905f may be configured to be movable in the up-down or diagonal direction. It is also preferable that the various buttons P905c to P905f have different colors or shapes so that they are easily distinguishable by the user. The ages defined by one end or the other of the bar P905a are not particularly limited, and may be changed as appropriate to facilitate user operation.

[0080] The output unit 113 is configured to be able to output, when the user sets or changes each age information by operating the age information change slider P905, i.e., by operating the various buttons P905c to P905f, the required amount of insurance for retirement during one's lifetime, the required amount of insurance for retirement at death, or the required amount of insurance for retirement benefits calculated using each set or changed age information, to the retirement benefits simulation screen P900.

[0081] (Detection unit 114) The detection unit 114 is configured to be able to detect various operations by the user.

[0082] For example, the detection unit 114 is configured to be able to detect the user's operation of the asset amount change slider P815. Specifically, the detection unit 114 is configured to be able to detect the user's drag-and-drop operation of the asset amount change button section P815c.

[0083] The detection unit 114 is also configured to be able to detect a user's operation of the age information change slider P905. Specifically, the detection unit 114 is configured to be able to detect a user's drag-and-drop operation of the representative current age button section P905c, the representative expected retirement age button section P905d, the representative expected age at death button section P905e, or the spouse expected age at death button section P905f.

[0084] 3. Information Processing Section 3 describes the flow of operations of the information processing system 1 configured as above. Fig. 14 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).

[0085] 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.

[0086] 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.

[0087] 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.

[0088] 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.

[0089] 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.

[0090] 3-2. Risk countermeasure selection screen output processing FIG. 15 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).

[0091] 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.

[0092] 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.

[0093] 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.

[0094] 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.

[0095] 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.

[0096] 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.

[0097] 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.

[0098] 3-3. Simulation screen output process for retirement benefits FIG. 16 is a flow chart showing an example of a simulation screen output process for retirement allowance measures in the information processing system 1 according to this embodiment (steps S301 to S308).

[0099] 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.

[0100] In step S302, the control unit 210 of the user terminal 200 transmits to the information processing device 100 the selection of the retirement benefit countermeasure setting button P605 displayed on the risk countermeasure selection screen P600.

[0101] In step S303, the output unit 113 of the information processing device 100 outputs a retirement allowance countermeasure information input screen P700 to the user terminal 200.

[0102] In step S304, the control unit 210 of the user terminal 200 transmits the retirement benefit countermeasure information entered or selected on the retirement benefit countermeasure information input screen P700 to the information processing device 100. The acquisition unit 111 of the information processing device 100 acquires the retirement benefit countermeasure information received from the user terminal 200. The acquisition unit 111 may store the acquired retirement benefit countermeasure information in the memory unit 120.

[0103] In step S305, the output unit 113 of the information processing device 100 determines a screen to be output based on the information on whether or not inheritance tax has been taken into consideration, which is included in the retirement allowance plan information acquired by the acquisition unit 111.

[0104] In step S306, the output unit 113 of the information processing device 100 outputs an inheritance tax calculation information input screen P800 to the user terminal 200 if inheritance tax is to be taken into consideration.

[0105] In step S307, the control unit 210 of the user terminal 200 transmits the inheritance tax calculation information entered or selected on the inheritance tax calculation information input screen P800 to the information processing device 100. The acquisition unit 111 of the information processing device 100 acquires the inheritance tax calculation information received from the user terminal 200. The acquisition unit 111 may store the acquired inheritance tax calculation information in the memory unit 120.

[0106] Then, the calculation unit 112 of the information processing device 100 calculates the inheritance tax based on the inheritance tax calculation information acquired by the acquisition unit 111. Furthermore, the output unit 113 outputs the inheritance tax calculated by the calculation unit 112 to the inheritance tax display area P816 of the inheritance tax calculation information input screen P800.

[0107] Furthermore, when the detection unit 114 detects operation of the asset amount change slider P815, the acquisition unit 111 acquires the changed asset amount information of the representative. The calculation unit 112 then calculates the inheritance tax based on the changed asset amount information. The output unit 113 then outputs the calculated inheritance tax again. This allows the user to easily simulate the inheritance tax used to calculate the required amount of insurance for retirement benefits through intuitive operations.

[0108] In step S308, the output unit 113 of the information processing device 100 outputs to the user terminal 200 a retirement benefit simulation screen P900 including the required amount of retirement benefit insurance calculated by the calculation unit 112. This allows the user to understand the required amount of retirement benefit insurance calculated based on the retirement benefit information they input or selected.

[0109] 3-4. Changes to the required amount of insurance for retirement benefits FIG. 17 is a flow diagram showing an example of the process of changing the required insurance amount for retirement benefits in the information processing system 1 according to this embodiment (steps S401 to S404).

[0110] 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 .

[0111] In step S402, the detection unit 114 of the information processing device 100 detects an operation on the age information change slider P905. Specifically, the detection unit 114 detects a drag-and-drop operation on the representative current age button section P905c, the representative expected retirement age button section P905d, the representative expected age at death button section P905e, or the spouse expected age at death button section P905f.

[0112] In step S403, when operation of the age information change slider P905 is detected, the acquisition unit 111 acquires the changed age information (the representative's current age information, the representative's expected retirement age information, the representative's expected age at death information, or the spouse's expected age at death information).

[0113] In step S404, the calculation unit 112 of the information processing device 100 calculates the required insurance amount (the required insurance amount at the time of retirement while alive, the required insurance amount at the time of retirement upon death, and the required insurance amount for retirement benefit measures) based on the changed age information 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 again to the retirement benefit measures simulation screen P900.

[0114] More specifically, the calculation unit 112 of the information processing device 100 changes the deposit and savings balances of the expected retirement date, estimated death (representative), and estimated death (spouse) based on the changed age information acquired by the acquisition unit 111. Based on the changed deposit and savings balances, the required insurance amount (necessary insurance amount at the time of retirement while alive, required insurance amount at the time of retirement upon death, and required insurance amount for retirement benefits) is calculated.

[0115] For example, if you change your planned retirement age from 65 to 60, the annual savings amount from now until your planned retirement will change to 1 million yen x 10 years, the planned retirement savings balance will change from 25 million yen to 20 million yen, the representative's estimated savings balance at the time of death will change from 10 million yen to 0 yen, and the spouse's estimated savings balance at the time of death will change from -14.5 million yen to -24.5 million yen.

[0116] 4. Effects In Section 4, the effects of this embodiment will be described.

[0117] The information processing system 1 according to this embodiment includes an acquisition unit 111 that acquires the age information, deposit balance, and annual savings information of a user (representative), a calculation unit 112 that calculates the required insurance amount based on the age information, deposit balance, and annual savings information, and an output unit 113 that outputs the required insurance amount. The output unit 113 further outputs an age information change slider P905 that can change the age information, and when operation of the age information change slider P905 is detected, the output unit 113 again outputs the required insurance amount calculated based on the changed age information. This allows the required insurance amount needed for retirement benefits to be easily simulated through intuitive operations.

[0118] In the information processing system 1 according to this embodiment, the output unit 113 outputs a screen including a required insurance amount display area P913 that displays the required insurance amount, and an age information change slider P905. As a result, the required insurance amount and the age information change slider are output on the same screen, making it possible to easily simulate the required insurance amount needed for retirement benefits measures through more intuitive operations.

[0119] In the information processing system 1 according to this embodiment, the age information includes the user's current age, the user's planned retirement age, the user's expected age at death, and the spouse's expected age at death, and the age information change slider P905 includes at least a bar P905a, a first button P905c for changing the user's current age, a second button P905d for changing the user's expected retirement age, a third button P905e for changing the user's expected age at death, and a fourth button P905f for changing the spouse's expected age at death. This allows the age information to be changed using the single age information change slider, making it easier to simulate the amount of insurance needed for retirement benefits through more intuitive operations.

[0120] In the information processing system 1 according to this embodiment, the age information includes the user's current age, the user's expected retirement age, the user's expected age at death, and the spouse's expected age at death, and the annual savings information includes the user's annual pre-retirement savings before retirement, the annual post-retirement savings after retirement, and the annual post-death savings after death. The calculation unit 112 calculates the required life insurance amount for the user if the user retires while alive and the required death insurance amount for the user if the user retires at death, and calculates the larger of these amounts as the required insurance amount. This allows for the calculation of the required insurance amount taking into account both the case where the user retires while alive and the case where the user retires at death, thereby enabling a more precise simulation of the required insurance amount for retirement benefits.

[0121] 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.

[0122] 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.

[0123] 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.

[0124] 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.

[0125] 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.

[0126] In the above embodiment, the acquisition unit acquires basic information about the business company, financial information, risk management information, retirement benefit management information, and inheritance tax calculation information, but it may also be configured to acquire this information through an external API interface.

[0127] In the above embodiment, the annual savings amount is described as a fixed value, but the present invention is not limited to this. For example, the take-home pay may be calculated by deducting social insurance premiums, income tax, and local resident tax (monthly) from the executive salary (monthly), and the amount obtained by further deducting living expenses such as food, utilities, mortgage, and life insurance premiums from the take-home pay may be annualized, and this amount may be used as the annual savings amount.

[0128] For the pension receiving period, the take-home pay can be calculated by deducting social insurance premiums and income tax from the pension payment, and the amount obtained by deducting local taxes and living expenses from that take-home pay can be annualized, and this amount can be set as the annual savings amount.

[0129] In addition, information on taxes, social insurance premiums, pension benefits, medical expenses, etc. may be automatically obtained using an API based on information from the My Number (Mynaportal).

[0130] In the above embodiment, it was described that inheritance tax is calculated using a known calculation method based on the Inheritance Tax Act, based on the inheritance tax calculation information acquired by the acquisition unit 111. However, the specific calculation process of inheritance tax by the calculation unit 112 will now be described in detail.

[0131] The calculation unit 112 first calculates the total taxable price based on the inheritance tax calculation information acquired by the acquisition unit 111. Specifically, the calculation unit 112 adds the amount of life insurance, which is deemed inheritance property, to the total amount of assets, which is the sum of the amount of deposits and savings, the amount of securities, the amount of real estate, the amount of company stock, the amount of company claims against the company, and the amount of other assets. At this time, the calculation unit 112 deducts the tax-exempt limit for life insurance (the number of legal heirs multiplied by a predetermined amount, for example, 5 million yen). The calculation unit 112 then deducts the deceased's debts (debts to the company, other debts) from this total amount to calculate the total taxable price.

[0132] Next, the calculation unit 112 calculates the total taxable amount of the estate by subtracting the basic deduction amount for the estate from the calculated total taxable price. Here, the basic deduction amount is calculated based on a predetermined formula (for example, 30 million yen plus the amount obtained by multiplying the number of legal heirs by 6 million yen). The number of legal heirs is determined based on the heir attributes and number of heirs information acquired by the acquisition unit 111.

[0133] Next, the calculation unit 112 allocates the calculated total taxable estate amount to each legal heir according to their legal share of the inheritance. The calculation unit 112 then multiplies each allocated amount by the tax rate prescribed by the Inheritance Tax Act and subtracts the corresponding deduction amount to calculate the calculated tax amount for each legal heir. The calculation unit 112 then adds up all of these calculated tax amounts to calculate the total inheritance tax.

[0134] Finally, the calculation unit 112 allocates the calculated total amount of inheritance tax to each heir in proportion to their actual share of the assets (or their statutory share of inheritance) to calculate the tax amount for each heir. Furthermore, based on the heir attribute information acquired by the acquisition unit 111, applicable tax deductions (e.g., spouse tax reduction, deduction for minors, deduction for persons with disabilities, etc.) are applied to calculate the final tax amount to be paid for each heir. The calculation unit 112 determines the total amount of tax paid by all heirs as the "inheritance tax" used in formula (1) and formula (2) described below. In this way, the information processing system performs step-by-step calculations in accordance with the Inheritance Tax Act, enabling a more precise simulation of the amount of insurance required. [Explanation of symbols]

[0135] 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 age information, deposit balance, and annual savings amount information of a user; a calculation unit that calculates the insurance required amount based on the age information, the deposit balance, and the annual savings amount information; an output unit that outputs the required insurance amount, the output unit further outputs an age information change slider that allows the age information to be changed; the output unit, when detecting an operation of the age information change slider, again outputs the required insurance amount calculated based on the changed age information; The age information includes the user's current age information, the user's expected retirement age information, the user's expected age at death information, and the user's expected age at death information, The age information change slider has at least one bar section, a first button section for changing the user's current age information, a second button section for changing the user's expected retirement age information, a third button section for changing the user's expected age at death information, and a fourth button section for changing the user's expected age at death information. Information processing system.

2. The output unit outputs a screen including a required insurance amount display area that displays the required insurance amount and the age information change slider. The information processing system according to claim 1 .

3. An acquisition unit that acquires a user's age information, deposit balance, and annual savings amount information; a calculation unit that calculates the insurance required amount based on the age information, the deposit balance, and the annual savings amount information; an output unit that outputs the required insurance amount, the output unit further outputs an age information change slider that allows the age information to be changed; the output unit, when detecting an operation of the age information change slider, again outputs the required insurance amount calculated based on the changed age information; The age information includes the user's current age information, the user's expected retirement age information, the user's expected age at death information, and the user's expected age at death information, the annual savings amount information includes a pre-retirement annual savings amount before the user retires, a post-retirement annual savings amount after the user retires, and a post-death annual savings amount after the user dies; The calculation unit calculates a required amount of insurance for retirement before death that will be required if the user retires before death, and a required amount of insurance for retirement after death that will be required if the user retires at death, and calculates the larger of either amount as the required amount of insurance. Information processing system.

4. The output unit outputs a screen including a required insurance amount display area that displays the required insurance amount and the age information change slider. The information processing system according to claim 3 .

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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