Information processing display device, information processing display method, and information processing display program

Abstract

To provide an information processing display device, an information processing display method and an information processing display program capable of presenting investment contents suitable to a user.SOLUTION: An information processing display device includes a storage part for storing a plurality of courses having different investment risks, a strategy type, an assets class, and a plurality of investment brands, a character evaluation part for evaluating user's risk preference and a plurality of other characters by a questionnaire, a course determination part for determining an application course by an evaluation of the risk preference, a recommendation degree calculation part for calculating a recommendation degree for each of the plurality of investment brands in each assets class in a strategy type determined as the application course on the basis of the plurality of other characters evaluated by the character evaluation part, and a display part for displaying the strategy type and the assets class determined as the application course, an investment brand having the highest recommendation degree calculated by the recommendation degree calculation part in each assets class in the strategy type, and the recommendation degree.SELECTED DRAWING: Figure 14

Description

[Technical Field]

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

[0002] Portfolios related to investment stocks have been constructed for some time. The device described in Patent Document 1 asks a user questions, determines an asset allocation based on the answers to the questions, and allocates the amount of investment assets according to the characteristics of the funds based on the asset allocation. The device selects products from multiple types of products prepared in advance according to the characteristics of the funds, and allocates the allocated funds according to the products as described above. Furthermore, when the device accepts the selection of individual stocks, it allocates the funds to the individual stocks to construct a portfolio. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2003-223555 Summary of the Invention [Problem to be solved by the invention]

[0004] The above-mentioned device allocates investment amounts based on asset allocation. However, each investing user has their own unique characteristics, and building a portfolio that takes these characteristics into account may be more suitable for the user.

[0005] The present invention provides an information processing display device, an information processing display method, and an information processing display program that are capable of presenting investment details suitable for a user. [Means for solving the problem]

[0006] An information processing display device according to one embodiment includes: a storage unit that stores a plurality of investment courses with different investment risks, at least one tactic type defined for each of the plurality of courses, an asset class corresponding to the type of tactic type, and a plurality of investment brands corresponding to the type of tactic type; a personality evaluation unit that evaluates a user's risk appetite and a plurality of other characteristics through a questionnaire; a course determination unit that determines an applicable course from the plurality of courses based on the evaluation of the risk appetite; a recommendation level calculation unit that calculates a recommendation level for each of a plurality of investment brands for each asset class within the tactic type defined for the applicable course based on the other plurality of characteristics evaluated by the personality evaluation unit; and a display unit that displays the tactic type defined for the applicable course, the asset class corresponding to the type of tactic type, the investment brand with the highest recommendation level calculated by the recommendation level calculation unit for each asset class within the tactic type, and the recommendation level of the investment brand with the highest recommendation level calculated by the recommendation level calculation unit. The personality evaluation unit assigns a score to each of the plurality of personality traits of the user, the storage unit further stores a constant corresponding to each of the plurality of personality traits for each of the plurality of investment brands, and the recommendation level calculation unit calculates the recommendation level for each of the plurality of investment brands by adding up the numerical values ​​obtained by multiplying the score for each of the plurality of personality traits by the constant. do. [Effects of the Invention]

[0007] An information processing display device according to one embodiment acquires and evaluates answer information relating to answers to a plurality of questions asking about a user's characteristics, and selects one of a plurality of investment strategies suitable for the user as an applicable course according to the user's risk preference based on the answer information. The device also determines the most recommended investment brand for the user for each asset class within the tactical type defined in the applicable course. Since the recommended investment brand is determined based on the user's predetermined characteristics, the user's social preferences, and the user's risk perception, it is possible to present investment content suitable for the user. The information processing display method and the information processing display program according to one aspect may achieve the same effects as the information processing display device according to one aspect, for example. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an information processing system according to a first embodiment. [Figure 2]1 is a block diagram illustrating an information processing device according to a first embodiment. [Figure 3] FIG. 2 is a diagram for explaining an example of a predetermined allocation ratio in the investment strategy according to the first embodiment. [Figure 4] FIG. 2 is a diagram for explaining an example of an investment ratio in a predetermined asset according to the first embodiment. [Figure 5] FIG. 1 is a first diagram for explaining an example of an investment ratio for each investment strategy according to the first embodiment. [Figure 6] FIG. 2 is a second diagram for explaining an example of an investment ratio for each investment strategy according to the first embodiment. [Figure 7] FIG. 3 is a third diagram for explaining an example of an investment ratio for each investment strategy according to the first embodiment. [Figure 8] FIG. 4 is a fourth diagram for explaining an example of an investment ratio for each investment strategy according to the first embodiment. [Figure 9] FIG. 4 is a diagram illustrating an example of attention point information according to the first embodiment. [Figure 10] FIG. 4 is a diagram illustrating an example of recommended brand candidate group information according to the first embodiment. [Figure 11] FIG. 2 is a diagram for explaining an example of investment allocation according to the first embodiment. [Figure 12] 4 is a flowchart illustrating an information processing method according to the first embodiment. [Figure 13] FIG. 10 is a diagram illustrating an information processing system according to a second embodiment. [Figure 14] FIG. 10 is a block diagram illustrating an information processing display device according to a second embodiment. [Figure 15] FIG. 11 is a diagram for explaining an example of allocation ratios for each tactic type in each course according to the second embodiment. [Figure 16] FIG. 10 is a diagram for explaining an example of investment ratios to asset classes in each tactic type according to the second embodiment. [Figure 17]FIG. 10 is a diagram for explaining an example of investment ratios for 46 courses according to the second embodiment. [Figure 18] FIG. 10 is a diagram for explaining an example of the investment ratio of the 55 course according to the second embodiment. [Figure 19] FIG. 10 is a diagram for explaining an example of investment ratios for 64 courses according to the second embodiment. [Figure 20] FIG. 10 is a diagram for explaining an example of the investment ratio for the 73 course according to the second embodiment. [Figure 21] FIG. 10 is a diagram for explaining an example of a method for calculating a recommendation level of an investment brand according to the second embodiment. [Figure 22] FIG. 10 is a diagram for explaining an example of display content according to the second embodiment. [Figure 23] 10 is a flowchart illustrating an information processing and display method according to a second embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0009] The first and second embodiments of the present invention will be described in order below.

[0010] (First embodiment) [Outline of Information Processing System 1] First, an overview of an information processing system 1 according to the first embodiment will be described. FIG. 1 is a diagram illustrating an information processing system 1 according to the first embodiment. The information processing system 1 includes, for example, a user terminal 100 and an information processing device 200.

[0011] The user terminal 100 is, for example, a terminal used by a user. The user terminal 100 may be, for example, a desktop, a laptop, a tablet, a smartphone, or the like. The user terminal 100 is capable of communicating with the information processing device 200. The user terminal 100 is capable of receiving question information transmitted from the information processing device 200 and displaying questions based on the question information on the terminal display unit 101. The questions may be, for example, multiple questions inquiring about the user's characteristics. When the user terminal 100 receives an answer to a question based on an input operation by the user, it transmits answer information regarding the answer to the information processing device 200.

[0012] The information processing device 200 may be a computer such as a server, desktop, laptop, tablet, or smartphone. The information processing device 200 transmits question information to the user terminal 100 and receives answer information from the user terminal 100. The information processing device 200 acquires, for example, the user's characteristics and risk tolerance based on the answer information. The information processing device 200 selects an investment strategy suitable for the user based on the risk tolerance, and determines allocation ratios and investment rates for multiple predetermined assets based on the selected investment strategy, etc. Furthermore, the information processing device 200 determines recommended investment brands based on the determined allocation ratios and investment rates and the user's characteristics, etc. The information processing device 200 outputs the determined content (e.g., investment brands, etc.) 300.

[0013] [Details of the information processing device 200] Next, the information processing device 200 according to the first embodiment will be described in detail. FIG. 2 is a block diagram illustrating the information processing device 200 according to the first embodiment.

[0014] The information processing device 200 includes a communication unit 211, a storage unit 212, a display unit 213, and a control unit 201. The communication unit 211, the storage unit 212, and the display unit 213 may be configured as, for example, an embodiment of an "output unit." The control unit 201 may be configured by, for example, an arithmetic processing unit of the information processing device 200. The control unit 201 may function as, for example, an acquisition unit 202, a selection unit 203, a first determination unit 204, a second determination unit 205, and an output control unit 206.

[0015] The communication unit 211 is capable of transmitting and receiving various information to and from, for example, a device (external device) outside the information processing device 200. The external device may be, for example, the user terminal 100, a server (not shown), etc.

[0016] The storage unit 212 may store, for example, various information and programs. Examples of the storage unit 212 may include a memory, a solid state drive, and a hard disk drive. The storage unit 212 may store question information. Questions based on the question information may include, for example, multiple types of questions inquiring about the user's characteristics. The questions may ask the user multiple questions, and the user's characteristics may be obtained based on the answers to the questions. The user's characteristics may include, for example, the user's extroversion, emotional instability, openness, agreeableness, and conscientiousness. As a specific example, the questions may be a papalaka test or the like.

[0017] FIG. 3 is a diagram for explaining an example of a predetermined allocation ratio in the investment strategy according to the first embodiment. FIG. 4 is a diagram for explaining an example of an investment ratio in a predetermined asset according to the first embodiment. 5 to 8 are diagrams for explaining examples of ratio information for each investment strategy according to the first embodiment. Here, Fig. 5 shows an example of ratio information for stability-oriented (stable income-oriented), Fig. 6 shows an example of ratio information for core-satellite, Fig. 7 shows an example of ratio information for balance-oriented (balanced), and Fig. 8 shows an example of ratio information for long-term growth.

[0018] The storage unit 212 stores ratio information relating to the allocation ratio and the investment ratio. The allocation ratio can be set based on the following factors: For example, there are multiple types of investment strategies, such as long-term growth-oriented, balanced investment, The allocation ratio may be a predetermined ratio for each of the investment strategies of the core-satellite type, the stability-oriented type, and the stability-oriented type.

[0019] The long-term growth-oriented type may be, for example, a type that emphasizes long-term growth in investments. The balanced investment type may be, for example, a type that invests while achieving a balance between multiple types of investments. The core-satellite type may be, for example, a type that expects stable income from a specific type of investment (the core part) and relatively large income from other types (the satellite part). The stability-oriented type may be, for example, a type that expects stable income from investments. Investment strategies are not limited to the four types described above - the long-term growth-oriented type, the balanced investment type, the core-satellite type, and the stability-oriented type - and various other types are also possible. Furthermore, the investment strategies are not limited to the four types described above and may be three or fewer types, or five or more types.

[0020] The predetermined allocation ratio may be, for example, the allocation ratio for "withdrawals" in the investment strategy. As shown in Figure 3, for each of the multiple types of investment strategies, the specified contents (drawbacks) of the investment strategy are The predetermined content (withdrawal) defines the strategy for expecting profits, and four types are set in the example shown in FIG. 3. That is, the predetermined content (withdrawal) may be, for example, insurance that is a safe investment (safety insurance), an investment that aims for stable income (stable income), an investment that is patiently waiting for an opportunity to earn income (eagerly watching for an opportunity), and an investment that aims to earn income from a long-term perspective (long-term growth). The predetermined content (withdrawal) is not limited to the above example, and may be used in various investment strategies. The number of predetermined contents (drawers) is not limited to four as described above, but may be three or less, or five or more.

[0021] The investment ratio may be, for example, an investment ratio for a plurality of predetermined assets according to the above-mentioned predetermined allocation ratio. As shown in Figure 4, the multiple specified assets include domestic stocks, foreign stocks, bonds, short-term bonds, and absolute Returns, real assets and private equity (PE) The investment ratio may be, for example, the investment ratio in a plurality of predetermined assets for each predetermined content (withdrawal) illustrated in Fig. 3. That is, as illustrated in Fig. 4 as an example, the investment ratio may be the investment ratio in domestic stocks, foreign stocks, bonds, short-term bonds, absolute returns, real assets, and PE for each of the predetermined content (withdrawal) of stable income, long-term investment, and long-term growth. More specifically, the investment ratio corresponds to, for example, a stable income as a predetermined content (withdrawal). The investment ratio may be an investment ratio in multiple assets that corresponds to a predetermined content (withdrawal) of long-term growth, an investment ratio in multiple assets that corresponds to a predetermined content (withdrawal) of long-term growth, or an investment ratio in multiple assets that corresponds to a predetermined content (withdrawal). Please note that the investment targets based on the investment ratio are not limited to the above-mentioned examples. Furthermore, the number of investment destinations is not limited to seven as shown in Fig. 4, but may be six or less, or eight or more.

[0022] As shown in Figures 5 to 8 as specific examples of ratio information (allocation ratio and investment ratio), the ratio information may be set for each of a plurality of investment strategies. That is, the ratio information may be, for example, the ratio of investment destinations suitable for an investment strategy that emphasizes stability (stable income) (see Figure 5). The ratio information may also be, for example, the ratio of investment destinations suitable for an investment strategy that emphasizes core-satellite (see Figure 6). The ratio information may also be, for example, the ratio of investment destinations suitable for an investment strategy that emphasizes balance (balance) (see Figure 7). The ratio information may also be, for example, the ratio of investment destinations suitable for an investment strategy that emphasizes long-term growth (see Figure 8).

[0023] FIG. 9 is a diagram illustrating an example of the attention point information according to the first embodiment.

[0024] The storage unit 212 may store attention point information regarding attention points (advice) according to a predetermined characteristic of the user. The predetermined characteristic of the user may be, for example, extroversion, emotional instability, openness, conscientiousness (myopicity), agreeableness (altruism), etc. Extroversion may indicate, for example, a characteristic of liking to try various things and being curious. Emotional instability may indicate, for example, a characteristic of being anxious, easily feeling negative emotions, and easily lingering in them. Openness may indicate, for example, a characteristic of being original and creative, and disliking traditional and unconventional things. Conscientiousness (myopicity) may indicate, for example, a characteristic of liking to interact with people and being able to empathize. Agreeableness (altruism) may indicate, for example, a characteristic of preferring to "plan and work steadily" rather than adapting to the situation.

[0025] The attention information may specify personality traits and tendencies in investment behavior, and corresponding attention points (advice) regarding investment, depending on whether the user has high or low levels of a plurality of predetermined traits. As shown in an example in Fig. 9, the attention information may specify personality traits depending on whether the user has high or low levels of extroversion, emotional instability, openness, conscientiousness (myopicity), and agreeableness (altruism), tendencies in performing each type of investment behavior (tendencies in investment behavior), and corresponding attention points (advice) ((A) to (J) shown in Fig. 9).

[0026] The display unit 213 is capable of displaying, for example, various characters, symbols, images, and the like.

[0027] The acquiring unit 202 acquires answer information related to answers to multiple types of questions that inquire about the user's characteristics. Here, the output control unit 206 (control unit 201), which will be described later, may, for example, read the question information from the storage unit 212 and control the communication unit 211 to transmit the question information to the user terminal 100. The user terminal 100, for example, displays a question based on the question information on the terminal display unit 101 and accepts an answer to the question. The user terminal 100, for example, transmits answer information based on the answer to the information processing device 200. The acquiring unit 202 acquires the answer information transmitted from the user terminal 100, for example, via the communication unit 211. For example, instead of transmitting the answer information to the information processing device 200, the user terminal 100 In this case, the acquiring unit 202 may acquire the answer information from the server via the communication unit 211, for example.

[0028] The acquiring unit 202 may estimate the user's predetermined trait, the user's social preference, and the user's perception of risk according to an answer based on the acquired answer information. That is, the acquiring unit 202 may acquire, for example, extroversion, emotional lability, openness, agreeableness, conscientiousness, etc. as the user's predetermined trait based on the answer information. In this case, the acquiring unit 202 may acquire the trait according to the user's answer based on, for example, first correspondence information that previously associates a question, an answer to the question, and a user's trait (whether the trait is high or low) according to the question and the answer. Note that the first correspondence information may be stored in, for example, the storage unit 212. As a specific example, the acquisition unit 202 may acquire the user's characteristics based on questions (questions asking about extroversion, emotional lability, openness, agreeableness, and conscientiousness), multiple-choice answers (two options) for each question, first correspondence information that associates whether the user's characteristics are high or low according to the answer options, and answer information.

[0029] Furthermore, the acquiring unit 202 may acquire the user's social preference and risk perception corresponding to the user's answer, for example, based on second correspondence information that previously associates a question, an answer to the question, and the user's social preference and risk perception corresponding to the question and the answer (whether the tendency and nature are high (strong), neutral, or low (weak)). Note that the second correspondence information may be stored in the storage unit 212, for example. Social preferences may be, for example, a preference for showing off, such as purchasing relatively expensive items. It indicates whether the user tends to consume in a positive way, whether the user has qualities such as altruism or warm glow, and whether the user tends to avoid perceived inequality. Perception of risk can be influenced by, for example, whether the user is optimistic or loss-averse and wants to maintain the status quo. It indicates whether the person is prone to this and whether they are short-sighted.

[0030] The selection unit 203 selects one of the following investment strategies suitable for the user, depending on the user's risk tolerance based on the response information acquired by the acquisition unit 202: a long-term growth-oriented strategy, a balanced investment strategy, a core-satellite strategy, and a stability-oriented strategy. Questions based on information include, for example, how much risk a user can tolerate in an investment. There may be a question asking whether the user is willing to take risks. The selection unit 203 may acquire, for example, the degree of risk the user can tolerate (risk tolerance) based on the answer to such a question. That is, the selection unit 203 may acquire the user's risk tolerance according to the user's answer based on third correspondence information in which, for example, a question, an answer to the question, and a risk tolerance according to the question and the answer (whether the user is inclined to take risks or not to take risks) are previously associated with each other. The third correspondence information may be stored in, for example, the storage unit 212. Furthermore, the selection unit 203 may select an investment strategy according to the user's risk tolerance based on fourth correspondence information that associates risk tolerance with multiple types of investment strategies classified according to the risk tolerance (for example, long-term growth-oriented, balanced, core-satellite, and stability-oriented). The fourth correspondence information may be stored in the storage unit 212, for example.

[0031] The first determination unit 204 and the second determination unit 205 may function together as a "determination unit" or may function independently. The determination units (first determination unit 204 and second determination unit 205) may determine an allocation ratio and an investment ratio according to the selected investment strategy based on the investment strategy selected by the selection unit 203 and the ratio information stored in the storage unit 212. Furthermore, the determination units (first determination unit 204 and second determination unit 205) may determine recommended investment stocks based on the determined allocation ratio and investment ratio, and predetermined characteristics of the user based on the response information acquired by the acquisition unit 202, the user's social preferences, and the user's perception of risk. An example of the first determination unit 204 and the second determination unit 205 (determination unit) will be described below.

[0032] The first determination unit 204 determines the allocation ratio and investment ratio of the investment based on the investment strategy selected by the selection unit 203 and the ratio information stored in the storage unit 212. As an example, the first determination unit 204 may determine the allocation ratio and investment ratio of the predetermined content (withdrawal) in accordance with the investment strategy selected by the selection unit 203 based on the allocation ratio exemplified in Fig. 3 and the investment ratio exemplified in Fig. 4.

[0033] The second determination unit 205 determines recommended investment stocks based on the allocation ratio and investment ratio determined by the first determination unit 204, the user's predetermined characteristics based on the response information acquired by the acquisition unit 202, the user's social preferences, and the user's perception of risk. In this case, the second determination unit 205 may determine, as recommended investment stocks, multiple recommended stocks selected from a group of recommended stock candidates in which multiple recommended stock candidates are registered, based on the user's specified characteristics, social preferences, and perception of risk. The predetermined characteristics of the user may be, for example, extroversion, emotional instability, openness, agreeableness (altruism), and conscientiousness (myopicity), as described above. Social preferences may be, for example, qualities such as conspicuous consumption, altruism, warm glow, and inequality aversion, as discussed above. Perception of risk can be influenced by factors such as optimism and loss aversion (status quo bias), as mentioned above. ) and myopia, etc.

[0034] FIG. 10 is a diagram illustrating an example of recommended brand candidate group information according to the first embodiment.

[0035] 10 is information relating to the above-mentioned recommended stock candidate groups (first recommended stock group and second recommended stock group). The recommended stock candidate group may include a first recommended stock group and a second recommended stock group. The first recommended stock group includes a plurality of first recommended stocks. The first recommended stock group may be, for example, a plurality of stocks that are set in common for all of the predetermined contents (withdrawals) in the investment strategy. The second recommended stock group includes a plurality of second recommended stocks for each predetermined content (withdrawal). The second recommended stock group is, for example, a plurality of stocks set for each predetermined content (withdrawal) in an investment strategy according to the user's predetermined characteristics, social preferences, and risk perception. In the recommended stock candidate group information illustrated in FIG. 10, the number of recommended stocks to be selected is set according to the recommended stock candidate group and the user's predetermined characteristics, social preferences, and risk perception. The number of selections is the number indicated by "1" in FIG. 10. Note that the number of selections is not limited to "1" as illustrated in FIG. 10, and may be two or more.

[0036] That is, the recommended stock candidate group information may be information set for each investment strategy, for example. The recommended stock candidate group information for each investment strategy may be information in which the number of stocks (products) to be selected is set according to predetermined content (withdrawals) (e.g., common, stable income, keen interest, long-term growth, etc.) and the user's predetermined characteristics, social preferences, and risk perception.

[0037] When determining recommended investment stocks, as an example, the second determination unit 205 first selects each stock (product) from the group of recommended stock candidates illustrated in Figure 10, based on the allocation ratio and investment ratio determined by the first determination unit 204, the user's specified characteristics based on the response information acquired by the acquisition unit 202, the user's social preferences, and the user's perception of risk. As an example, if the second determination unit 205 receives a response indicating that the user has a high level of "openness" as a predetermined characteristic based on the response information, the second determination unit 205 selects a stock (product) for which a selection number (e.g., "1") is set for "openness" from the group of recommended stock candidates illustrated in FIG. 10 as a recommended stock for investment. That is, as an example, the second determination unit 205 selects a first recommended stock and a second recommended stock for which "openness" is set to "1" from the group of recommended stock candidates illustrated in FIG. 10 as a recommended stock for investment. The first recommended stock may be, for example, a stock selected in common for all predetermined contents (withdrawals) in the investment strategy. The second recommended stock may be, for example, a stock selected for each predetermined content in the investment strategy based on the response information acquired by the acquisition unit 202, the user's social preferences, and the user's risk perception.

[0038] Next, the second determination unit 205 determines the selected brands (products) (first recommended brand and second recommended brand) Based on the allocation ratio and investment ratio determined by the first determination unit 204 (or the number of selected brands), the investment is allocated according to the number of selected brands (products).

[0039] FIG. 11 is a diagram for explaining an example of investment allocation according to the first embodiment. The investment allocation illustrated in Figure 11 shows the investment allocation when the investment strategy emphasizes stability.

[0040] As an example, when the selection unit 203 selects stability as the investment strategy, the second determination unit 205 selects the first recommended stock and the second recommended stock as described above with reference to FIG. 10, and then allocates the investment trust funds to each recommended stock (product) for the selected recommended stocks so that the allocation ratio matches the investment ratio for the specified assets. The investment ratio for the specified assets here may be an allocation ratio and investment ratio based on ratio information stored in the memory unit 212. As an example, the allocation ratio for the specified content may be the allocation ratio exemplified in FIG. 3, etc. As an example, the investment ratio for the specified assets may be the investment ratio exemplified in FIGS. 4 to 8, etc.

[0041] In the example shown in Figure 11, three bond issues (products) are selected, and since the investment ratio for specified assets is 21%, funds are allocated so that 7% of the funds are invested in each issue. Note that in the example shown in Figure 11, the investment strategy emphasizes stability, so the allocation ratio shown in Figure 3 is 100% for "stable income" and 0% for "anticipating" and "long-term growth", so the specified content (withdrawal) is entered as the issue (product) corresponding to "stable income" (second recommended issue), and the issues (products) (second recommended issue) corresponding to "anticipating" and "long-term growth" are not entered.

[0042] That is, the second determination unit 205 may determine the investment ratio for the recommended stocks for the investment to be determined based on the ratio information stored in the storage unit 212. Note that an upper limit on the total number of stocks to be selected may be set as a threshold value. In this case, when the total number of first recommended stocks and second recommended stocks exceeds the threshold value, the second determination unit 205 may delete stocks with lower priority from among the predetermined assets with a relatively large number of stocks, so that the total number of first recommended stocks and second recommended stocks is equal to or less than the threshold value. The predetermined asset with a relatively large number of stocks may be, for example, the predetermined asset with the largest number of stocks, or the predetermined asset with the largest number of stocks and the second largest number of stocks, etc. The predetermined asset may be, for example, domestic stocks, foreign stocks, bonds, short-term bonds, absolute returns, real assets, PE, etc. Furthermore, for example, priorities may be set in advance for stocks. In this case, a higher priority may be assigned to stocks with a higher probability of profit, and a lower priority to stocks with a relatively lower probability of profit. The second determination unit 205 may, for example, sequentially delete one or more stocks with low priorities from among predetermined assets with a relatively large number of stocks, thereby making the total number of the first recommended stocks and the second recommended stocks equal to or less than the threshold.

[0043] If there is an asset among the predetermined assets for which neither the first recommended stock nor the second recommended stock has been determined, the second determination unit 205 may select a recommended stock corresponding to that asset. In other words, even if the second determination unit 205 has selected recommended stocks as described above, if there is an asset among the plurality of predetermined assets for which no stock has been selected, the second determination unit 205 may select one or more stocks, which are set in advance, as recommended stocks from among the plurality of stocks corresponding to that asset.

[0044] The output control unit 206 controls the output unit to output the content determined by the second determination unit 205. That is, the output control unit 206 may control the output unit to output, for example, recommended investment stocks as the content determined by the second determination unit 205. Furthermore, the output control unit 206 may control the output unit to output, for example, an investment ratio as the content determined by the second determination unit 205. Here, the output unit may be, for example, the communication unit 211, the storage unit 212, the display unit 213, etc., as described above. Specifically, the output control unit 206 may control the communication unit 211 to transmit information about the contents (recommended investment brands and investment ratios) determined by the second determination unit 205 to an external device. The external device may be, for example, the user terminal 100 or a server (not shown), etc. Furthermore, the output control unit 206 may control the storage unit 212 to store information relating to the content determined by the second determination unit 205 (recommended investment brands and investment ratios). Furthermore, the output control unit 206 may control the display unit 213 to display the details determined by the second determination unit 205 (recommended investment brands and investment ratios).

[0045] The output control unit 206 may control the output unit to output points to be noted according to a predetermined characteristic of the user, based on the answer information acquired by the acquisition unit 202 and the point-to-be-note information stored in the storage unit 212. That is, the output control unit 206 may refer to the point-to-be-note information stored in the storage unit 212 and control the output unit to output points to be noted (investment advice) according to the user's answer based on the answer information. Specifically, the output control unit 206 may, for example, control the display unit 213 to transmit information about points to be considered according to a predetermined characteristic of the user to an external device (for example, the user terminal 100 and a server (not shown)). The output control unit 206 may also, for example, control the display unit 213 to display points to be considered according to a predetermined characteristic of the user.

[0046] [Information processing method] Next, an information processing method according to the first embodiment will be described. FIG. 12 is a flowchart illustrating the information processing method according to the first embodiment.

[0047] In step ST101, the acquisition unit 202 acquires answer information relating to answers to a plurality of types of questions asking about the characteristics of the user. The acquiring unit 202 may estimate the user's predetermined characteristics, the user's social preferences, and the user's risk perception, for example, according to the answer based on the answer information. Here, the acquiring unit 202 may acquire, for example, extroversion, emotional lability, openness, agreeableness, conscientiousness, etc. as the user's predetermined characteristics. Furthermore, the acquiring unit 202 may acquire, for example, as the user's social preferences, characteristics such as whether the user tends to engage in ostentatious consumption, such as purchasing relatively expensive items, whether the user has characteristics such as altruism or warm glow, and whether the user tends to avoid perceived inequality. Furthermore, the acquiring unit 202 may acquire, for example, as the user's risk perception, characteristics such as whether the user is optimistic, whether the user tends to avoid losses and maintain the status quo, and whether the user is myopic.

[0048] In step ST102, the selection unit 203 selects an investment strategy suitable for the user according to the user's risk tolerance based on the response information acquired in step ST101. Here, the selection unit 203 may select, for example, any one of a long-term growth-oriented type, an investment balance-oriented type, a core-satellite type, and a stability-oriented type as the investment strategy.

[0049] In step ST103, the first determination section 204 determines the allocation ratio and investment ratio of the investment based on the investment strategy selected in step ST102 and the ratio information stored in the storage section 212.

[0050] In step ST104, the second decision unit 205 decides on recommended investment stocks based on the allocation ratio and investment ratio decided in step ST103, the user's predetermined characteristics based on the response information acquired in step ST101, the user's social preferences, and the user's perception of risk. In this case, the second determination unit 205 may determine an investment ratio for the recommended stocks for the investment to be determined, for example, based on ratio information stored in the storage unit 212. In this case, the second determination unit 205 may determine the first recommended stock and the second recommended stock as recommended stocks for the investment from the group of recommended stock candidates. The first recommended stock may be, for example, a stock selected in common for all of the predetermined contents (withdrawals) in the investment strategy. The second recommended stock may be, for example, a stock selected for each predetermined content (withdrawal) in the investment strategy in accordance with the predetermined characteristics of the user based on the response information acquired in step ST101, the user's social preferences, and the user's perception of risk.

[0051] The upper limit of the total number of selected stocks may be set as a threshold. If the total number of first recommended stocks and the total number of second recommended stocks exceeds a threshold, the second determination unit 205 may delete stocks with lower priority from among the specified assets with a relatively large number of stocks, so that the total number of first recommended stocks and the total number of second recommended stocks is below the threshold. The second determination unit 205 also determines whether the first recommended stock or the second recommended stock is a predetermined asset. If there are assets for which the investment amount has not yet been determined, the recommended stocks corresponding to those assets may be selected.

[0052] In step ST105, the output control section 206 controls the output section to output the content determined in step ST104. In addition, the output control unit 206 may control the output unit to output points to note (advice) according to a predetermined characteristic of the user, based on the answer information acquired in step ST101 and the points to note information stored in the memory unit 212. Here, the output unit is, for example, a communication unit 211, a storage unit 212, a display unit 213, etc. Good too.

[0053] The information processing device 200 can combine one or any two or more of the above-mentioned units. Although the term "information" is used in this specification, the term "information" can be replaced with "data", and the term "data" can be replaced with "information".

[0054] Each unit of the information processing device 200 described above may be realized as a function of a computer's arithmetic processing unit, etc. That is, the acquisition unit 202, selection unit 203, decision unit (first decision unit 204 and second decision unit 205), and output control unit 206 (control unit 201) of the information processing device 200 may be realized as an acquisition function, a selection function, a decision function (first decision function and second decision function), and an output control function (control function), respectively, by a computer's arithmetic processing unit, etc. The information processing program can cause a computer to realize each of the above-mentioned functions. The information processing program may be recorded on a computer-readable non-transitory recording medium, such as a memory, a hard disk, or an optical disk. Furthermore, as described above, each unit of the information processing device 200 may be realized by an arithmetic processing device or the like of a computer. The arithmetic processing device or the like is configured by, for example, an integrated circuit or the like. Therefore, each unit of the information processing device 200 may be realized as a circuit that constitutes the arithmetic processing device or the like. That is, the acquisition unit 202, the selection unit 203, the decision unit (first decision unit 204 and second decision unit 205), and the output control unit 206 (control unit 201) of the information processing device 200 may be realized as an acquisition circuit, a selection circuit, a decision circuit (first decision circuit and second decision circuit), and an output control circuit (control circuit) that constitute the arithmetic processing device or the like of a computer. The communication unit 211, the storage unit 212, and the display unit 213 (output unit) of the information processing device 200 may be realized as a communication function, a storage function, and a display function (output function) including the functions of an arithmetic processing device, for example. The communication unit 211, the storage unit 212, and the display unit 213 (output unit) of the information processing device 200 may be realized as a communication circuit, a storage circuit, and a display circuit (output circuit) by being configured with, for example, an integrated circuit, etc. The communication unit 211, the storage unit 212, and the display unit 213 (output unit) of the information processing device 200 may be realized as a communication device, a storage device, and a display device (output device) by being configured with, for example, a plurality of devices.

[0055] [Aspects and Effects of the First Embodiment] Next, one aspect of the first embodiment and the effects of each aspect will be described. Note that the effects described below are examples, and the effects of each aspect are not limited to those described below.

[0056] (Aspect 1) The information processing device of one aspect is configured to include a plurality of types of investment strategies, including a long-term growth-oriented type, an investment variance type, and a The investment strategy includes a storage unit that stores in advance ratio information regarding predetermined allocation ratios for each of the long-term growth-oriented, core-satellite, and stability-oriented investment strategies, and investment ratios for a plurality of predetermined assets according to the predetermined allocation ratios; an acquisition unit that acquires answer information regarding answers to a plurality of types of questions asking about the user's characteristics; a selection unit that selects one of the long-term growth-oriented, investment balance-oriented, core-satellite, and stability-oriented strategies as an investment strategy suitable for the user according to the user's risk tolerance based on the answer information acquired by the acquisition unit; a first determination unit that determines the investment allocation ratio and investment ratio based on the investment strategy selected by the selection unit and the ratio information stored in the storage unit; a second determination unit that determines recommended investment stocks based on the allocation ratio and investment ratio determined by the first determination unit, the user's predetermined characteristics based on the answer information acquired by the acquisition unit, the user's social preferences, and the user's risk perception; and an output control unit that controls the output of the content determined by the second determination unit. Each user has different personalities and views on investment. A user's attitude toward investment may change depending on, for example, the user's predetermined characteristics, social preferences, risk perception, etc. In one embodiment, an information processing device can determine recommended investment stocks for each user by taking into account, for example, the user's predetermined characteristics, social preferences, and risk perception. In other words, the information processing device can present investment content that is suitable for the user.

[0057] (Aspect 2) In one aspect of the information processing device, the acquisition unit determines, as the predetermined characteristic of the user based on the answer information, Extroversion, emotional instability, openness, agreeableness, and conscientiousness may be acquired. This allows the information processing device to determine investment brands that are suitable for each user.

[0058] (Aspect 3) In one aspect of the information processing device, the second determination unit determines whether or not the investment strategy is a predetermined strategy. The recommended investment stocks may be determined as a first recommended stock selected in common and a second recommended stock selected for each specified content in the investment strategy according to the user's specified characteristics based on the response information acquired by the acquisition unit, the user's social preferences, and the user's perception of risk. This allows the information processing device to determine investment brands that have the potential to yield profits on investment and are suitable for each user.

[0059] (Aspect 4) In one aspect of the information processing device, the second determination unit determines the number of first recommended stocks, the number of second recommended stocks, and If the total number of first recommended stocks exceeds the threshold, stocks with lower priority may be deleted from the specified assets with a relatively large number of stocks, so that the total number of the number of first recommended stocks and the number of second recommended stocks is equal to or less than the threshold. This allows the information processing device to determine recommended stocks for investment while suppressing bias towards specific stocks.

[0060] (Aspect 5) In one aspect of the information processing device, the second determination unit determines the first recommended stock and the second recommended stock from among the predetermined assets. If there is an asset for which no recommended stock has been determined, a recommended stock corresponding to the asset may be selected. This allows the information processing device to determine recommended stocks for investment while suppressing bias towards specific stocks.

[0061] (Aspect 6) In one aspect of the information processing device, the second determination unit determines, based on the ratio information stored in the storage unit, The investment ratio may be determined for the recommended stocks for the investment to be determined. This allows the information processing device to determine the investment ratio according to the user's investment mindset. Cut.

[0062] (Aspect 7) In one aspect of the information processing device, the storage unit stores information on points to be noted according to a predetermined characteristic of the user. The output control unit may store attention point information, and control the output of attention points according to a predetermined characteristic of the user based on the answer information acquired by the acquisition unit and the attention point information stored in the memory unit. As a result, even if each user has a different way of thinking about investment, the information processing device can convey points of attention (advice) that are suitable for the user in accordance with the user's predetermined characteristics.

[0063] (Aspect 8) The information processing device of one aspect is configured to calculate predetermined allocation ratios and predetermined The system is equipped with a memory unit that pre-stores ratio information regarding investment ratios for multiple specified assets according to a predetermined allocation ratio; an acquisition unit that acquires answer information regarding answers to multiple types of questions asking about the user's characteristics; a selection unit that selects one investment strategy suitable for the user from multiple types of investment strategies according to the user's risk tolerance based on the answer information acquired by the acquisition unit; a determination unit that determines recommended investment stocks based on the investment allocation ratio and investment ratio determined based on the investment strategy selected by the selection unit and the ratio information stored in the memory unit, as well as the user's predetermined characteristics, the user's social preferences, and the user's risk perception based on the answer information acquired by the acquisition unit; and an output control unit that controls the content determined by the determination unit to be output.

[0064] (Aspect 9) In one aspect of the information processing method, a plurality of types of investment strategies are selected, including a long-term growth-oriented type, an investment balance type, and a a selection step of selecting one of the long-term growth-oriented, investment balance-oriented, core-satellite, and stability-oriented investment strategies as an investment strategy suitable for the user in accordance with the user's risk tolerance based on the response information acquired by the acquisition step; a first determination step of determining an investment allocation ratio and an investment ratio based on the investment strategy selected by the selection step and the ratio information stored in the storage unit; a second determination step of determining recommended investment stocks based on the allocation ratio and investment ratio determined by the first determination step, the user's predetermined characteristics, the user's social preferences, and the user's risk perception based on the response information acquired by the acquisition step; and an output control step of controlling the content determined by the second determination step to be output. As a result, the information processing method can achieve the same effects as the above-described information processing device. do.

[0065] (Aspect 10) In one aspect of the information processing program, a computer is configured to: The system includes a storage function that stores in advance ratio information regarding predetermined allocation ratios for each of the investment strategies of long-term growth, balanced investment, core-satellite, and stability-oriented, and investment ratios for a plurality of predetermined assets according to the predetermined allocation ratios; an acquisition function that acquires answer information regarding answers to a plurality of types of questions asking about the user's characteristics; a selection function that selects one of the long-term growth, balanced investment, core-satellite, and stability-oriented as an investment strategy suitable for the user according to the user's risk tolerance based on the answer information acquired by the acquisition function; a first determination function that determines the investment allocation ratio and investment ratio based on the investment strategy selected by the selection function and the ratio information stored in the storage function; a second determination function that determines recommended investment stocks based on the allocation ratio and investment ratio determined by the first determination function, the user's predetermined characteristics, the user's social preferences, and the user's risk perception based on the answer information acquired by the acquisition function; and an output control function that controls the output of the content determined by the second determination function. As a result, the information processing program can achieve the same effects as the information processing device described above. can be done.

[0066] Next, a second embodiment will be described.

[0067] (Second embodiment) [Outline of Information Processing System 1] First, an overview of an information processing system 1 according to the second embodiment will be described. FIG. 13 is a diagram illustrating an information processing system 1 according to the second embodiment. The information processing system 1 includes, for example, a user terminal 100 and an information processing display device 250. The information processing system 1 is the same as that described in the first embodiment with reference to FIG. 1, and therefore a description of the same content will be omitted.

[0068] The difference is that in the first embodiment, the information processing device 200 selects an investment strategy suitable for the user based on, for example, the risk tolerance, and determines the allocation ratio and investment ratio for multiple specified assets based on the selected investment strategy, etc., whereas in the second embodiment, the information processing display device 250 selects a course suitable for the user based on, for example, the risk tolerance, and determines the allocation ratio and investment ratio for multiple asset classes based on the selected course, etc.

[0069] [Details of the information processing display device 250] Next, the information processing and display device 250 according to the second embodiment will be described in detail. FIG. 14 is a block diagram illustrating an information processing and display device 250 according to the second embodiment.

[0070] The information processing display device 250 includes a communication unit 211, a storage unit 212, a display unit 257, and a control unit 251. The communication unit 211, the storage unit 212, and the display unit 257 may be configured as, for example, an embodiment of an input / output unit 258. The control unit 251 may be configured by, for example, an arithmetic processing device of the information processing display device 250. The control unit 251 may function as, for example, a personality evaluation unit 252, a course determination unit 253, a recommendation level calculation unit 254, an investment ratio calculation unit 255, and an input / output control unit 256.

[0071] The communication unit 211 can transmit and receive various information to and from, for example, a device (external device) outside the information processing display device 250. The external device may be, for example, the user terminal 100, a server (not shown), etc.

[0072] The storage unit 212 may store, for example, various information and programs. The storage unit 212 may be a memory, a solid state drive, a hard disk drive, or the like. The storage unit 212 may store question information. Questions based on the question information may be, for example, multiple types of questions inquiring about the user's characteristics. The questions may, for example, ask the user multiple questions, and acquire the user's characteristics based on the answers to the questions. The user's characteristics may, for example, be the user's extroversion, emotional instability, openness, agreeableness, conscientiousness, etc.

[0073] FIG. 15 is a diagram for explaining an example of the allocation ratio for each tactic type in each course according to the second embodiment. FIG. 16 is a diagram for explaining an example of the investment ratios to asset classes in each tactic type according to the second embodiment. 17 to 20 are diagrams for explaining examples of investment ratios for each course according to the second embodiment. Here, Fig. 17 shows an example of investment ratios for course 46, Fig. 18 for course 55, Fig. 19 for course 64, and Fig. 20 for course 73.

[0074] The storage unit 212 may store ratio information relating to the allocation ratio and the investment ratio. The allocation ratio may be, for example, an allocation ratio to each tactic type for each of multiple types of courses, such as 46 course, 55 course, 64 course, and 73 course.

[0075] Course 73 may be, for example, a course that emphasizes long-term growth in investments. Course 64 may be, for example, a course that invests while achieving a balance between multiple types of investments. Course 55 may be, for example, a course that anticipates stable income from a specific type of investment (core portion) and relatively large income from other types (satellite portion). Course 46 may be, for example, a course that anticipates stable income from investments. Note that Courses 73, 64, 55, and 46 may be courses that anticipate the final investment mix ratios of stocks and bonds to be 70% and 30%, 60% and 40%, 50% and 50%, and 40% and 60%, respectively. The courses are not limited to the four types described above and may include various other courses. Furthermore, the courses are not limited to the four types described above and may be three or fewer, or five or more.

[0076] The allocation ratio of the tactical type may be, for example, the allocation ratio of the tactical type on the course. As shown in an example in Figure 15, for each of a plurality of types of courses, an allocation (allocation ratio) is set according to the tactical type of the course. The tactical type specifies the type of tactic to be used to expect profits, and four types are set in the example shown in Figure 15. That is, the tactical type may be, for example, a safe investment type (deposits and insurance), an investment type aiming for stable income (stable income), an investment type that carefully waits for opportunities to earn income (profit pursuit), and an investment type that aims to earn income from a long-term perspective (long-term growth). The tactic types are not limited to the above-mentioned example, and may be defined according to various courses. Furthermore, the tactic types are not limited to the four types described above, and may be three or less, or five or more.

[0077] The investment ratio may be, for example, the investment ratio in a plurality of asset classes according to the allocation ratio of the tactical types described above. As shown in an example in Figure 16, the multiple asset classes may be domestic stocks, foreign stocks, bonds, short-term bonds, absolute returns, real assets, and private equity (PE), etc. The investment ratios may be, for example, investment ratios in multiple asset classes for each tactical type illustrated in Figure 15. That is, as shown in an example in Figure 16, the investment ratios may be investment ratios in domestic stocks, foreign stocks, bonds, short-term bonds, absolute returns, real assets, and PE for each of the tactical types of stable income, profit-seeking, and long-term growth. More specifically, the investment ratio may be, for example, an investment ratio in multiple assets corresponding to stable income as a tactical type, an investment ratio in multiple assets corresponding to profit pursuit as a tactical type, and an investment ratio in multiple assets corresponding to long-term growth as a tactical type. Please note that the investment targets based on the investment ratio are not limited to the above-mentioned examples. Furthermore, the number of investment destinations is not limited to seven as illustrated in Fig. 16, but may be six or less, or eight or more.

[0078] As shown in the examples in Figures 17 to 20, ratio information (allocation ratio and investment ratio) may be set for each of multiple courses. That is, the ratio information may be, for example, the ratio of investments suitable for the 46 course (see Figure 17). The ratio information may also be, for example, the ratio of investments suitable for the 55 course (see Figure 18). The ratio information may also be, for example, the ratio of investments suitable for the 64 course (see Figure 19). The ratio information may also be, for example, the ratio of investments suitable for the 73 course (see Figure 20).

[0079] The display unit 257 is capable of displaying, for example, various characters, symbols, images, and the like. The device may also be provided with an input interface that allows input of various characters, symbols, images, etc., and pressing or tapping buttons for executing various functions.

[0080] The personality evaluation unit 252 acquires answer information related to answers to multiple types of questions that inquire about the user's characteristics. That is, a questionnaire is executed. Here, the input / output control unit 256 (control unit 251), which will be described later, may, for example, read out the question information from the storage unit 212 and control the communication unit 211 to transmit the question information to the user terminal 100. The user terminal 100, for example, displays a question based on the question information on the terminal display unit 101 and accepts an answer to the question. The user terminal 100, for example, transmits answer information based on the answer to the information processing display device 250. The personality evaluation unit 252 acquires the answer information transmitted from the user terminal 100, for example, via the communication unit 211. Note that the user terminal 100 may, for example, transmit the answer information to a server (not shown) instead of transmitting it to the information processing display device 250. In this case, the personality evaluation unit 252 may acquire the answer information from the server via the communication unit 211, for example.

[0081] The personality evaluation unit 252 may evaluate the user's personality (the user's predetermined traits, the user's social preferences, and the user's perception of risk) according to an answer based on the acquired answer information. That is, the personality evaluation unit 252 may evaluate, for example, extroversion, emotional instability, openness, agreeableness, conscientiousness, etc. as the user's predetermined traits based on the answer information. In this case, the personality evaluation unit 252 may evaluate the traits according to the user's answer based on, for example, first correspondence information that previously associates a question, an answer to the question, and a user's traits according to the question and the answer (whether each trait is high or low). Note that the first correspondence information may be stored in, for example, the storage unit 212. As a specific example, the personality evaluation unit 252 may evaluate the user's characteristics based on questions (questions asking about extroversion, emotional lability, openness, agreeableness, and conscientiousness), multiple-choice answers (two options) for each question, first correspondence information that associates whether the user's characteristics are high or low according to the answer options, and the answer information.

[0082] Furthermore, the personality evaluation unit 252 may evaluate the user's social preference and risk perception according to the user's answer, for example, based on second correspondence information that previously associates a question, an answer to the question, and the user's social preference and risk perception according to the question and answer (whether the tendency and nature are high (strong), neutral, or low (weak)). Note that the second correspondence information may be stored in the storage unit 212, for example. Social preferences include, for example, whether a user tends to engage in ostentatious consumption such as purchasing relatively expensive items, whether the user has qualities such as altruism or warm glow, and whether the user tends to avoid perceived inequality. Risk perception may be, for example, whether the user is optimistic, whether the user is loss-averse and tends to maintain the status quo, and whether the user is short-sighted.

[0083] The questions based on the question information may include, for example, a question asking how much risk the user can tolerate in investments. The personality assessment unit 252 may evaluate how much risk the user can tolerate (risk tolerance) based on, for example, the answers to such questions. That is, the personality assessment unit 252 may evaluate the user's risk tolerance based on the user's answers, for example, based on third correspondence information that previously associates questions, answers to the questions, and risk tolerances corresponding to the questions and answers (whether the user tends to take risks or not). Note that the third correspondence information may be stored in, for example, the storage unit 212.

[0084] The course determination unit 253 determines one of multiple types of courses (e.g., 46 course, 55 course, 64 course, and 73 course, etc.) as the applicable course suitable for the user, depending on the user's risk preference (risk tolerance) evaluated by the personality evaluation unit 252 based on the response information. The course determination unit 253 may determine a course according to the user's risk tolerance based on fourth correspondence information that associates risk tolerance with multiple types of courses classified according to the risk tolerance (for example, 46 course, 55 course, 64 course, 73 course, etc.). Note that the fourth correspondence information may be stored in the storage unit 212, for example.

[0085] The recommendation level calculation unit 254 calculates the recommendation level for each of the multiple investment stocks included in the group of recommended stock candidates for each asset class within the tactical type defined in the applicable course determined by the course determination unit 253, based on the user's personality (the user's specified characteristics, the user's social preferences, and the user's perception of risk) evaluated by the personality evaluation unit 252 based on the response information. The information on the recommended stock candidate group is information stored in the storage unit 212. The information on the recommended stock candidate group may be information set for each applicable course. To calculate the degree of recommendation, it is preferable to use a utility function or the like that uses information on each investment brand and the above-mentioned information on the user's characteristics as input information. This determines the most recommended investment stock for each asset class within the tactical type defined in the applicable course.

[0086] The predetermined characteristics of the user that are referred to when calculating the recommendation level may be, for example, extroversion, emotional instability, openness, agreeableness (altruism), and conscientiousness (myopicity), as described above. The social preferences referred to when calculating the recommendation level may be, for example, characteristics such as conspicuous consumption, altruism, warm glow, and inequality aversion, as described above. The risk perception that is referred to when calculating the recommendation level may be, for example, characteristics such as optimism, loss aversion (status quo bias), and myopia, as described above.

[0087] An example of calculation of the recommendation level of an investment brand according to the second embodiment may be as follows. The personality evaluation unit 252 assigns a score to each of the user's multiple personality traits. The storage unit 212 stores a constant corresponding to each of the multiple personality traits for each of the multiple investment brands. The recommendation level calculation unit 254 calculates the recommendation level for each of the multiple investment brands by adding up the numerical values ​​obtained by multiplying the scores for each of the multiple personality traits by the corresponding constant.

[0088] FIG. 21 is a diagram illustrating an example of calculation of a recommendation level of an investment brand according to the second embodiment.

[0089] In Figure 21, multiple investment stocks that make up the recommended stock candidate group are displayed by "code" and "name." It also displays which "tactical type" and "asset class" each investment stock belongs to. Each investment stock belongs to only one "asset class," but each investment stock does not necessarily belong to only one "tactical type." For example, in Figure 22, the investment stock with the code "ddd987" and name "DDDDDDDD" belongs to three "tactical types": stable income, profit pursuit, and long-term growth. The user's personality traits referenced in calculating the recommendation level include "extroversion," "openness," "emotional instability," "altruism," "warm glow," "showing off," "inequality aversion," "optimism," and "loss aversion." The numbers displayed as "scores for each aspect of personality assessment" are scores assigned by the personality assessment unit 252 based on the target user's response information. Scores are not limited to positive values ​​and may be negative values. Furthermore, they are not limited to integers. In FIG. 21, the scores are represented as "1.0," "0.5," "0.0," and "-1.0." For example, if the answer to a given questionnaire is "Yes," the accuracy assessment unit 252 assigns an extroversion score of "1.0," and if the answer is "No," the accuracy assessment unit 252 assigns an extroversion score of "0.0." Each investment brand has a constant corresponding to each of the user's multiple characteristics, which are represented in Figure 22 as integers "1", "0", and "-1". The recommendation level calculation unit 254 calculates the recommendation level of each of the multiple investment brands by adding up the numerical values ​​obtained by multiplying the scores of each of the multiple characteristics by the corresponding constants for each of the multiple investment brands. In Figure 21, the calculated numerical values ​​are displayed in the "recommended level" column for each investment brand. The larger this number, the higher the recommendation level, and the investment stock with the highest recommendation level is determined for each asset class within the tactical type defined in the applicable course. The above constants may be revised as needed to improve accuracy.

[0090] Furthermore, the information processing display device 250 preferably includes an investment ratio calculation unit 255 . The investment ratio calculation unit 255 calculates the allocation ratio and investment ratio according to the applicable course based on the applicable course determined by the course determination unit 253 and the ratio information (allocation ratio and investment ratio) stored in the memory unit 212, and applies the calculated investment ratio to the investment stock with the highest recommendation level for each asset class within the tactical type set in the applicable course, as determined by the above-mentioned recommendation level calculation unit 254.

[0091] The input / output control unit 256 controls the input / output unit 258 to display the contents determined by the course determination unit 253, the recommendation level calculation unit 254, and the investment ratio calculation unit 255. That is, the input / output control unit 256 may, for example, control the input / output unit 258 to display a tactic type defined in the applied trade plan and an asset class corresponding to the type of tactic type, as the content determined by the trade plan determination unit 253. Furthermore, the input / output control unit 256 may, for example, control the input / output unit 258 to display an investment brand with the highest recommendation level and its recommendation level for each asset class within the tactic type defined in the applied trade plan, as the content determined by the recommendation level calculation unit 254. Furthermore, the input / output control unit 256 may, for example, control the input / output unit 258 to display an investment ratio for an investment brand with the highest recommendation level for each asset class within the tactic type defined in the applied trade plan, as the content determined by the investment ratio calculation unit 255. Here, the input / output unit 258 may be, for example, the communication unit 211, the storage unit 212, the display unit 257, and the like, as described above. Specifically, the input / output control unit 256 may control the communication unit 211 to transmit information relating to the content determined by the course determination unit 253, the recommendation level calculation unit 254, and the investment ratio calculation unit 255 to the outside (external device). The external device may be, for example, the user terminal 100 or a server (not shown), etc. As a result, the transmitted content is displayed on the terminal display unit 101. Furthermore, the input / output control unit 256 may control the storage unit 212 to store information relating to the content determined by the course determination unit 253, the recommendation level calculation unit 254, and the investment ratio calculation unit 255. Furthermore, the input / output control unit 256 may control the display unit 257 to display the content determined by the course determination unit 253, the recommendation level calculation unit 254, and the investment ratio calculation unit 255. This allows the user to recognize the displayed content on the display unit 257. The display unit 257 can employ any means that allows the user to recognize the content through perception, such as an image, a video, a moving image, or a sound.

[0092] FIG. 22 is a diagram illustrating an example of display content according to the second embodiment. 22 shows that the applicable course has been determined to be "Course 73." Also, it shows that there are three tactic types: "Stable Income," "Profit Pursuit," and "Long-Term Growth." The investment ratios for each tactic type determined by the investment ratio calculation unit 255 are shown to be "25%, "37%, and "38%." Also displayed are the recommended investment stocks (the investment stocks with the highest recommendation level) and their recommendation levels for each asset class within the tactic type, as determined by the recommendation level calculation unit 254. For example, the recommended investment stocks for the asset class "domestic stocks" in the tactic type "stable income" are displayed as "aaa12 (code)", "AAAAAAAA (name)", and "2.0 (recommendation level)". The investment ratio displayed for each individual recommended investment brand is a value determined by the investment ratio calculation unit 255.

[0093] Furthermore, the display unit 257 and the terminal display unit 101 are preferably capable of displaying the investment ratio for each tactic type defined in the applicable course in an editable manner by the user. Furthermore, when the investment ratio for each tactic type displayed in an editable manner as described above is updated, the investment ratio calculation unit 255 is preferably capable of recalculating the investment ratio for a recommended stock (the investment stock with the highest recommendation level for each asset class within the tactic type) based on the updated value and the ratio information stored in the storage unit 212. The display unit 257 and the terminal display unit 101 are preferably capable of displaying the recalculated value.

[0094] An example is illustrated by referring again to FIG. In Figure 22, the investment ratio for each tactical type is displayed in an editable state, and buttons such as "Update" are also displayed. When the user edits, they can update the investment ratio figures by pressing or tapping the displayed "Update" button. When the figures are updated and the "Recalculate Investment Ratio" button is pressed or tapped, the investment ratio calculation unit 255 recalculates the investment ratio (the figure in the "Investment Ratio (%)" column) for the recommended stocks (the investment stocks with the highest recommendation for each asset class within the tactical type). The results are redisplayed on the display unit 257 and the terminal display unit 101 with the figures updated.

[0095] [Information processing display method] Next, an information processing and display method according to the second embodiment will be described. FIG. 23 is a flowchart illustrating the information processing and display method according to the second embodiment.

[0096] In step ST201, the storage unit 212 stores information on a plurality of investment paths with different investment risks, at least one tactic type defined for each of the plurality of paths, an asset class corresponding to the type of tactic type, and a plurality of investment stocks (a group of investment stock candidates) corresponding to the type of tactic type. It may also store ratio information (allocation ratio and investment ratio).

[0097] In step ST202, the personality evaluation section 252 acquires answer information relating to answers to a plurality of questions asking about the user's characteristics, that is, executes a questionnaire. The personality evaluation unit 252 evaluates the user's predetermined characteristics, the user's social preferences, and the user's risk perception, for example, in accordance with the answer based on the response information. Here, the personality evaluation unit 252 may evaluate, for example, extroversion, emotional instability, openness, agreeableness, conscientiousness, etc. as the user's predetermined characteristics. Furthermore, the personality evaluation unit 252 may evaluate, for example, the user's social preferences, characteristics such as whether the user tends to engage in ostentatious consumption, such as purchasing relatively expensive items, whether the user has characteristics such as altruism and warm glow, and whether the user tends to avoid perceived inequality. Furthermore, the personality evaluation unit 252 may evaluate, for example, the user's risk perception, characteristics such as whether the user is optimistic, whether the user tends to avoid losses and maintain the status quo, and whether the user is short-sighted.

[0098] In step ST203, the course determination unit 253 determines one of multiple types of courses (e.g., 46 course, 55 course, 64 course, and 73 course, etc.) as the applicable course suitable for the user, depending on the user's risk preference (risk tolerance) evaluated by the personality evaluation unit 252 based on the response information acquired in step ST202.

[0099] In step ST204, the recommendation level calculation unit 254 calculates a recommendation level for each investment brand included in the recommended brand candidate group for each asset class within the tactical type defined in the applicable investment strategy, based on the user's personality (the user's predetermined characteristics, the user's social preferences, and the user's perception of risk) evaluated based on the response information by the personality evaluation unit 252. Using this recommendation level, the recommendation level calculation unit 254 determines the investment brand with the highest recommendation level as the recommended brand for each asset class within the tactical type defined in the applicable investment strategy.

[0100] In step ST205, if the information processing display device 250 has the investment ratio calculation unit 255, the investment ratio calculation unit 255 calculates the investment allocation ratio and investment ratio based on the course determined in step ST203 and the ratio information stored in the storage unit 212. The investment ratio calculation unit 255 applies the calculated investment ratio to the corresponding recommended stock. If the information processing display device 250 does not have the investment ratio calculation unit 255, this step is not executed.

[0101] In step ST206, the input / output control unit 256 controls the input / output unit 258 to display the contents determined in steps ST203, ST204, and ST205. That is, the input / output control unit 256 may, for example, control the input / output unit 258 to display a tactic type defined in the applied trade plan and an asset class corresponding to the type of tactic type, as the content determined by the trade plan determination unit 253. Furthermore, the input / output control unit 256 may, for example, control the input / output unit 258 to display an investment brand with the highest recommendation level for each asset class within the tactic type defined in the applied trade plan and its recommendation level, as the content determined by the recommendation level calculation unit 254. Furthermore, the input / output control unit 256 may, for example, control the input / output unit 258 to display an investment ratio for an investment brand with the highest recommendation level for each asset class within the tactic type defined in the applied trade plan, as the content determined by the investment ratio calculation unit 255. This causes the display unit 257 to display the processing results.

[0102] The information processing display device 250 can combine one or any two or more of the above-mentioned units. In this specification, the term "information" is used, but the term "information" can be replaced with "data" and the term "data" can be replaced with "information."

[0103] Each unit of the information processing display device 250 described above may be realized as a function of a computer's arithmetic processing device, etc. That is, the personality assessment unit 252, course determination unit 253, recommendation level calculation unit 254, investment ratio calculation unit 255, input / output control unit 256 (control unit 251), communication unit 211, memory unit 212, and display unit 257 (input / output unit 258) of the information processing display device 250 may be realized as a personality assessment function, course determination function, recommendation level calculation function, investment ratio calculation function, input / output control function (control function), communication function, memory function, and display function (input / output function) by a computer's arithmetic processing device, etc.

[0104] [Information processing and display program] The information processing and display program is a program for causing a computer to execute means corresponding to the above-mentioned functions. The information processing display program may be recorded on a computer-readable non-transitory recording medium, such as a memory, a hard disk, or an optical disk.

[0105] [Aspects and Effects of the Second Embodiment] Next, one aspect of the second embodiment and the effects of each aspect will be described. Note that the effects described below are examples, and the effects of each aspect are not limited to those described below.

[0106] (Aspect 1) An information processing display device according to one embodiment has a memory unit that stores a plurality of courses with different investment risks, at least one tactical type defined for each of the plurality of courses, an asset class corresponding to the type of tactical type, and a plurality of investment stocks corresponding to the type of tactical type, a personality evaluation unit that evaluates a user's risk preference and a plurality of other personality traits through a questionnaire, a course determination unit that determines an applicable course from the plurality of courses based on the evaluation of the risk preference, a recommendation level calculation unit that calculates a recommendation level for each of a plurality of investment stocks for each asset class within the tactical type defined for the applicable course based on the other a plurality of personality traits evaluated by the personality evaluation unit, and a display unit that displays the tactical type defined for the applicable course, the asset class corresponding to the type of tactical type, the investment stock with the highest recommendation level calculated by the recommendation level calculation unit for each asset class within the tactical type, and the recommendation level of the investment stock with the highest recommendation level calculated by the recommendation level calculation unit. Each user has different personalities and attitudes toward investment. A user's attitude toward investment may vary depending on, for example, the user's predetermined characteristics, social preferences, and risk perception. In one aspect, an information processing display device can determine recommended investment brands for each user by taking into account, for example, the user's predetermined characteristics, social preferences, and risk perception. In other words, the information processing display device can present investment content suitable for the user.

[0107] (Aspect 2) In one embodiment of the information processing display device, the personality evaluation unit assigns a score to each of the user's multiple personality traits, the memory unit further stores a constant corresponding to each of the multiple personality traits for each of the multiple investment stocks, and the recommendation level calculation unit calculates the recommendation level for each of the multiple investment stocks by adding up the numbers obtained by multiplying the scores for each of the multiple personality traits by the constant. This makes it possible to present a quantitative and persuasive recommendation level that can explain the calculation basis. Furthermore, by updating the above constants based on the actual usage of the information processing display device, it is possible to improve accuracy.

[0108] (Aspect 3) In one embodiment of the information processing display device, the device further includes an investment ratio calculation unit, and the memory unit further stores the ratio of assets to be invested in each of the tactical types defined for each of the multiple courses and the ratio of assets to be invested in each of the asset classes according to the type of tactical type. The investment ratio calculation unit calculates the ratio of assets to be invested for each of the investment stocks with the highest recommendation level calculated by the recommendation level calculation unit based on the ratio of assets to be invested in each of the tactical types and the ratio of assets to be invested in each of the asset classes according to the type of tactical type. The display unit may further display the ratio for each of the investment stocks calculated by the recommendation level calculation unit. This allows for the possibility of obtaining a profit on investment, and allows each user to determine an investment ratio that is suitable for them.

[0109] (Aspect 4) In one embodiment of the information processing display device, the display unit displays the ratio of assets to be invested in each of the tactical types defined for each of the multiple courses stored in the memory unit in a manner that allows the user to edit it, and when the ratios displayed in an editable manner by the display unit are edited, the investment ratio calculation unit recalculates the ratio of assets to be invested for each of the investment stocks with the highest recommendation level based on the edited ratio, the ratio of assets to be invested in each of the tactical types defined for each of the multiple courses stored in the memory unit, and the ratio of assets to be invested in each of the asset classes according to the type of tactical type, and the display unit displays the ratios recalculated by the recommendation level calculation unit. This allows for user-driven updates to the ratio based on changes in the user's circumstances and situation, allowing for more flexible system operation.

[0110] (Aspect 5) One embodiment of an information processing and display method includes a computer storing a plurality of courses with different investment risks, at least one tactical type defined for each of the plurality of courses, an asset class corresponding to the type of tactical type, and a plurality of investment stocks corresponding to the type of tactical type, evaluating a user's risk appetite and a plurality of other characteristics through a questionnaire, determining an applicable course from the plurality of courses based on the evaluation of the risk appetite, calculating a recommendation level for each of the plurality of investment stocks for each asset class within the tactical type defined for the applicable course based on the evaluated other a plurality of characteristics, and displaying on a screen the tactical type defined for the applicable course, the asset class corresponding to the type of tactical type, the investment stock with the highest calculated recommendation level for each asset class within the tactical type, and the recommendation level for the investment stock with the highest calculated recommendation level. As a result, the information processing and display method can achieve the same effects as the information processing and display device described above.

[0111] (Aspect 6) An information processing display program in one embodiment causes a computer to execute the following: a storage means for storing multiple courses with different investment risks, at least one tactical type defined for each of the multiple courses, an asset class corresponding to the type of tactical type, and multiple investment stocks corresponding to the type of tactical type; a personality evaluation means for evaluating a user's risk appetite and multiple other characteristics through a questionnaire; a course determination means for determining an applicable course from the multiple courses based on the evaluation of the risk appetite; a recommendation level calculation means for calculating a recommendation level for each of multiple investment stocks for each asset class within the tactical type defined for the applicable course based on the multiple other characteristics evaluated by the personality evaluation means; and a display means for displaying the tactical type defined for the applicable course, the asset class corresponding to the type of tactical type, the investment stock with the highest recommendation level calculated by the recommendation level calculation means for each asset class within the tactical type, and the recommendation level of the investment stock with the highest recommendation level calculated by the recommendation level calculation means. As a result, the information processing display program can achieve the same effects as the information processing display device described above. [Explanation of symbols]

[0112] 1. Information Processing Systems 100 user terminals 101 Terminal display unit 200 Information processing device 201, 251 Control section 202 Acquisition Department 203 Selection Section 204 First Decision Section 205 Second Decision Section 206 Output control section 211 Communications Department 212 Storage section 213, 257 Display section 250 Information processing display device 252 Personality Assessment Department 253 Course Decision Section 254 Recommendation Calculation Unit 255 Investment ratio calculation department 256 Input / Output Control Unit 258 Input / output section

Claims

1. a storage unit that stores a plurality of courses with different investment risks, at least one tactic type defined for each of the plurality of courses, an asset class corresponding to the type of the tactic type, and a plurality of investment brands corresponding to the type of the tactic type; a personality evaluation unit that evaluates the user's risk preference and other personality traits through a questionnaire; a course determination unit that determines an applicable course from the plurality of courses based on the evaluation of the risk appetite; a recommendation level calculation unit that calculates a recommendation level for each of the plurality of investment brands for each of the asset classes within the tactic type defined in the applicable course based on the plurality of other characteristics evaluated by the characteristic evaluation unit; a display unit that displays the tactic type defined in the applicable course, an asset class according to the type of the tactic type, the investment brand with the highest recommendation level calculated by the recommendation level calculation unit for each asset class within the tactic type, and the recommendation level of the investment brand with the highest recommendation level calculated by the recommendation level calculation unit, the personality evaluation unit assigns a score to each of the plurality of personality traits of the user, The storage unit further stores a constant corresponding to each of the plurality of characteristics for each of the plurality of investment brands; The information processing display device, wherein the recommendation level calculation unit calculates the recommendation level for each of the plurality of investment brands by adding up the numerical value obtained by multiplying the score for each of the plurality of characteristics by the constant.

2. Further, an investment ratio calculation unit is provided, the storage unit further stores a ratio of assets to be invested in each of the tactic types defined for each of the plurality of courses, and a ratio of assets to be invested in each of the asset classes according to the type of the tactic type; the investment ratio calculation unit calculates a ratio of assets to be invested in each of the investment brands with the highest recommendation level calculated by the recommendation level calculation unit, based on the ratio of assets to be invested in each of the tactic types and the ratio of assets to be invested in each of the asset classes according to the type of tactic type; The information processing display device according to claim 1 , wherein the display unit further displays the ratios for each of the investment brands calculated by the recommendation level calculation unit.

3. the display unit displays a ratio of assets to be invested in each of the tactic types defined for each of the plurality of courses stored in the storage unit in a manner that can be edited by the user; when the ratios editably displayed by the display unit are edited, the investment ratio calculation unit recalculates the ratios of assets to be invested in each of the investment brands with the highest recommendation level based on the edited ratios, the ratios of assets to be invested in each of the tactic types defined for each of the plurality of courses, and the ratios of assets to be invested in each of the asset classes according to the types of the tactic types, which are stored in the storage unit; The information processing display device according to claim 2 , wherein the display unit displays the ratio recalculated by the recommendation level calculation unit.

4. The computer storing a plurality of courses with different investment risks, at least one tactic type defined for each of the plurality of courses, an asset class corresponding to the type of the tactic type, and a plurality of investment brands corresponding to the type of the tactic type; Evaluating users' risk appetite and other characteristics through a questionnaire; assigning a score to each of the plurality of personality traits of the user; storing a constant corresponding to each of the plurality of characteristics for each of the plurality of investment brands; determining an applicable course from the plurality of courses based on the risk appetite evaluation; calculating a recommendation level for each of the plurality of investment brands for each of the asset classes within the tactical type defined in the applicable course based on the evaluated other plurality of characteristics by adding up the numerical values ​​obtained by multiplying the scores for each of the plurality of characteristics by the constant for each of the plurality of investment brands; An information processing and display method including: displaying on a screen the tactical type defined in the applicable course, the asset class corresponding to the type of the tactical type, the investment stock with the highest recommendation level calculated for each asset class within the tactical type, and the recommendation level of the investment stock with the highest calculated recommendation level.

5. Computer, a storage means for storing a plurality of courses with different investment risks, at least one tactic type defined for each of the plurality of courses, an asset class corresponding to the type of the tactic type, and a plurality of investment brands corresponding to the type of the tactic type; a personality evaluation means for evaluating a user's risk preference and a plurality of other personality traits through a questionnaire and assigning a score to each of the plurality of personality traits of the user; a storage means for storing a constant corresponding to each of the plurality of characteristics for each of the plurality of investment brands; a course determination means for determining an applicable course from the plurality of courses based on the risk appetite evaluation; a recommendation level calculation means for calculating a recommendation level for each of the plurality of investment brands for each of the asset classes within the tactical type defined in the applicable course based on the other plurality of characteristics evaluated by the characteristic evaluation means by adding up the numerical values ​​obtained by multiplying the scores of each of the plurality of characteristics by the constant for each of the plurality of investment brands; An information processing display program for causing the program to function as a display means for displaying the tactical type defined in the applicable course, the asset class according to the type of tactical type, the investment stock with the highest recommendation level calculated by the recommendation level calculation means for each asset class within the tactical type, and the recommendation level of the investment stock with the highest recommendation level calculated by the recommendation level calculation means.

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