Investment support system, investment support method and investment support program

Abstract

To achieve flexible investment corresponding to a monthly balance amount of a user.SOLUTION: An investment support system includes a housekeeping book information acquisition part for acquiring housekeeping book information showing a situation of user's housekeeping including monthly balance information related to a monthly balance of at least one month from an external first information processing system used by the user, a setting information acquisition part for acquiring setting information related to a strategy of user's asset management from the first information processing system, and a monthly investment amount generation part for generating monthly recommendation investment amount information related to a monthly recommendation investment amount showing an investment amount for a prescribed month to be proposed to the user on the basis of the housekeeping book information and the setting information.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an investment support system, an investment support method, and an investment support program. [Background technology]

[0002] 2. Description of the Related Art Conventionally, systems that suggest investments based on a user's household financial situation are known.

[0003] For example, Patent Document 1 describes an investment simulation device that calculates the amount of investment a user can make based on a reference value calculated from the trends in the user's household income and expenditure and a preset threshold value, and simulates investment management based on that investment amount. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Patent No. 5901094 Summary of the Invention [Problem to be solved by the invention]

[0005] However, in Patent Document 1, the investment amount is proposed based on, for example, the average or minimum amount of income and expenditure over a one-year period, and therefore, the user is unable to make flexible investments according to the monthly income and expenditure.

[0006] Therefore, an object of the present invention is to provide an investment support system, an investment support method, and an investment support program that are capable of realizing flexible investment according to a user's monthly income and expenditure. [Means for solving the problem]

[0007] An investment support system according to one embodiment of the present invention includes a household book information acquisition unit that acquires household book information indicating the status of a user's household finances, including monthly income and expenditure information regarding at least one month's worth of monthly income and expenditure, from an external first information processing system used by the user; a setting information acquisition unit that acquires setting information regarding the user's asset management policy from the first information processing system; and a monthly recommended investment amount generation unit that generates monthly recommended investment amount information regarding a monthly recommended investment amount that indicates the investment amount to be proposed to the user for a specified month based on the household book information and the setting information.

[0008] An investment support method according to one embodiment of the present invention comprises a computer acquiring household accounting information indicating the status of a user's household finances, including monthly income and expenditure information for at least one month, from an external first information processing system used by the user, acquiring setting information regarding the user's asset management policy from the first information processing system, and generating monthly recommended investment amount information regarding the monthly recommended investment amount indicating the investment amount to be proposed to the user for a specified month based on the household accounting information and the setting information.

[0009] An investment support program according to one embodiment of the present invention causes a computer to implement a household accounting information acquisition unit that acquires household accounting information indicating the user's household situation, including monthly income and expenditure information regarding at least one month's worth of monthly income and expenditure, from an external first information processing system used by the user; a setting information acquisition unit that acquires setting information regarding the user's asset management policy from the first information processing system; and a monthly recommended investment amount generation unit that generates monthly recommended investment amount information regarding a monthly recommended investment amount that indicates the investment amount to be proposed to the user for a specified month based on the household accounting information and the setting information.

[0010] In this invention, a "unit" does not simply mean a physical means, but also includes cases where the functions of the "unit" are realized by software. Furthermore, the functions of one "unit" or device may be realized by two or more physical means or devices, and the functions of two or more "units" or devices may be realized by one physical means or device. [Effects of the Invention]

[0011] According to the present invention, it is possible to provide an investment support system, an investment support method, and an investment support program that are capable of realizing flexible investment according to a user's monthly income and expenditure. [Brief explanation of the drawings]

[0012] [Figure 1] 1 is a diagram showing the configuration of an investment support system 100 according to an embodiment of the present invention. [Figure 2] 10 is a diagram showing an example of information stored in a household account book information storage unit 112. FIG. [Figure 3] 10 is a diagram showing an example of information stored in a setting information storage unit 114. FIG. [Figure 4] 10 is a diagram showing an example of information stored in a monthly recommended investment amount storage unit 122. FIG. [Figure 5] 10 is a diagram showing an example of the provision of monthly recommended investment amount information to a user terminal 220 by a monthly recommended investment amount providing unit 123. FIG. [Figure 6] 10 is a diagram showing an example of provision of estimate result information to a user terminal 220 by an estimate result providing unit 132. FIG. [Figure 7] FIG. 10 is a diagram showing an example of information stored in the financial product storage unit 141. [Figure 8] 1 is a flowchart showing an example of processing in the investment support system 100. [Figure 9] 1 is a flowchart showing an example of processing in the investment support system 100. DETAILED DESCRIPTION OF THE INVENTION

[0013] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Preferred embodiments of the present invention will now be described with reference to the accompanying drawings, in which: Figure 1 is a diagram showing the configuration of an investment support system 100 according to one embodiment of the present invention.

[0014] The investment support system 100 is a system that is communicably connected to a first information processing system 200 and a second information processing system 300 via a network such as the Internet.

[0015] The investment support system 100 is an information processing system that supports a user's investment based on the user's household account book information. Specifically, the investment support system 100 calculates a recommended monthly investment amount, indicating the investment amount to be proposed to the user for a specific month, based on monthly income and expenditure information and setting information regarding the user's monthly income and expenditure, acquired from the first information processing system 200. Based on the recommended monthly investment amount, the investment support system 100 presents the recommended monthly investment amount to the first information processing system 200, proposes financial products, purchases financial products for the recommended monthly investment amount, and estimates investment results, thereby supporting the user's investment. Details of the investment support system 100 will be described later.

[0016] The first information processing system 200 provides the user's household account book information and setting information regarding the user's asset management policy to the investment support system 100. The first information processing system 200 includes a household account book management system 210 and user terminals 220 (220a, 220b), which are communicably connected via a network such as the Internet.

[0017] The household account book management system 210 is an information processing system that manages household account book information related to a user's household account book. The household account book management system 210 can acquire household account book information based on, for example, a user's input operation on the user terminal 220, and can also cooperate with the information processing system of a financial institution based on account information for accessing the information processing system of the financial institution acquired from the user terminal 220, and can acquire information related to deposits, deposits and withdrawals, etc. in the user's account at the financial institution from the information processing system of the financial institution, etc.

[0018] The user terminal 220 is a computer used by a user, such as a smartphone, a tablet terminal, a personal computer, etc. Note that, although Fig. 1 shows two user terminals 220a and 220b as examples of the user terminal 220, the number of user terminals 220 is not limited to this.

[0019] The household account book information and setting information that the investment support system 100 acquires from the first information processing system 200 may be provided from the household account book management system 210, or may be provided from the user terminal 220. The household account book management system 210 may be included in the investment support system 100.

[0020] The second information processing system 300 is an information processing system that performs investment-related processing based on monthly recommended investment amount information, which will be described later, acquired from the investment support system 100. The second information processing system 300 may be, for example, an information processing system of an institution that performs investment-related processing based on monthly recommended investment amount information, such as an investment company or financial institution that purchases financial products in response to user instructions.

[0021] Next, details of the investment support system 100 will be described. The investment support system 100 includes a household account book information acquisition unit 111, a household account book information storage unit 112, a setting information acquisition unit 113, a setting information storage unit 114, a monthly recommended investment amount generation unit 121, a monthly recommended investment amount storage unit 122, a monthly recommended investment amount provision unit 123, an estimate unit 131, an estimate result provision unit 132, a financial product storage unit 141, a financial product proposal unit 142, and a financial product purchase unit 143. Each unit shown in Fig. 1 can be realized, for example, by using a storage area or by a processor executing a program stored in the storage area.

[0022] The household account book information acquisition unit 111 acquires household account book information regarding the user's household financial situation, including monthly income and expenditure information regarding at least one month's worth of monthly income and expenditure, from the first information processing system 200 used by the user, and stores it in the household account book information storage unit 112.

[0023] The household account book information is information including monthly income and expenditure information for at least one month, calculated based on information such as deposits and withdrawals in a user's account at a financial institution and payments for product purchases. The household account book information may include information on the monthly income and expenditure amount itself, which is the amount of the monthly income and expenditure, or may include information on income and expenditure amounts or daily deposits, withdrawals, and payments necessary to calculate the monthly income and expenditure amount. The household account book information may also include asset information on the user's assets (deposits and financial products held).

[0024] The household account book information acquisition unit 111 can acquire, for example, household account book information stored in a household account book management system 210 included in the first information processing system 200. In this case, the household account book management system 210 may acquire information on deposits, deposits and withdrawals, etc. in advance from an information processing system of a financial institution or the like, based on, for example, a user's input operation on the user terminal 220 or account information acquired by the user's input operation.

[0025] Furthermore, the household account book information acquisition unit 111 may acquire household account book information based on an input operation by a user to a user terminal 220 included in the first information processing system 200, for example.

[0026] 2 is a diagram showing an example of information stored in the household account book information storage unit 112. The information stored in the household account book information storage unit 112 includes, for example, a user ID, monthly income and expenditure information, and asset information.

[0027] The user ID is user identification information that identifies a user who uses the investment support system 100. The monthly income and expenditure information is information about the user's monthly income and expenditure, for example, information indicating the amount of the monthly income and expenditure. The asset information is information about the user's assets, for example, including deposit amount information indicating the amount of the user's deposits and held financial product amount information indicating the value of financial products held by the user.

[0028] The monthly income and expenditure information stored in the household account book information storage unit 112 may be monthly income and expenditure information for one month, or may include monthly income and expenditure information for each of a plurality of months.

[0029] The setting information acquisition unit 113 acquires setting information relating to the user's asset management policy from the first information processing system 200 and stores it in the setting information storage unit 114 .

[0030] The setting information is information about the user's asset management policy and information about funds to be allocated for investment. The setting information may also include information about the user's thoughts on investment. In other words, the setting information is information that serves as a calculation condition when calculating the recommended monthly investment amount, which will be described later, from the monthly income and expenditure amount. The setting information includes, for example, investment target information, minimum guaranteed amount information, investment ratio information, maximum investment amount information, and minimum investment amount information.

[0031] The investment target information is information about the target of investment using the investment support system 100, and includes, for example, "return-oriented" and "low-risk stable." In other words, a user who sets an investment target of "return-oriented" prioritizes return over risk when purchasing financial products.

[0032] The minimum guaranteed amount information is information indicating the minimum deposit amount that the user wants to secure when investing. In other words, if the amount is below the minimum guaranteed amount, the user can be prevented from receiving investment support from the investment support system 100. The investment ratio information is information indicating the percentage of the monthly recommended investment amount information, which will be described later, to be allocated to investment.

[0033] The maximum investment amount information and the minimum investment amount information are information indicating the maximum amount and the minimum amount to be allocated to investment in investment support through the investment support system 100, respectively.

[0034] The setting information acquisition unit 113 can acquire, for example, setting information stored in the household accounting management system 210 included in the first information processing system 200. In this case, the household accounting management system 210 may acquire the setting information in advance, for example, based on an input operation by the user to the user terminal 220.

[0035] Furthermore, the setting information acquisition unit 113 can acquire setting information based on an input operation by a user to a user terminal 220 included in the first information processing system 200, for example.

[0036] The setting information acquisition unit 113 can acquire setting information at any timing. That is, the setting information acquisition unit 113 may acquire all or part of the setting information through a user operation before the monthly recommended investment amount generation unit, which will be described later, generates monthly recommended investment amount information. This allows the acquired setting information to be reflected in the generation of monthly recommended investment amount information by the monthly recommended investment amount generation unit 121, which will be described later.

[0037] Furthermore, the setting information acquisition unit 113 may acquire all or part of the setting information when or after the monthly recommended investment amount providing unit 123 or the estimated calculation result providing unit 132, which will be described later, provides the monthly recommended investment amount information or the estimated calculation result information to the first information processing system 200. This allows the user to provide new setting information through the first information processing system 200 based on the monthly recommended investment amount information or estimated calculation result information that is provided, and to reflect this in the generation of monthly recommended investment amount information or estimated calculation result information by the monthly recommended investment amount generation unit 121 or the estimated calculation result providing unit 132, which will be described later.

[0038] The setting information acquisition unit 113 may acquire setting information that includes all items of the setting information, or may acquire setting information that lacks some items. When acquiring setting information that lacks some items, the setting information acquisition unit 113 may set predetermined values ​​for the missing items.

[0039] 3 is a diagram showing an example of information stored in the setting information storage unit 114. The information stored in the setting information storage unit 114 includes, for example, a user ID, investment target information, minimum guaranteed amount information, investment ratio information, maximum investment amount information, and minimum investment amount information.

[0040] The setting information storage unit 114 may store all items of the setting information, or may store setting information with some items missing. When storing setting information with some items missing, the setting information storage unit 114 may store the missing items after setting predetermined values ​​for the missing items.

[0041] The monthly recommended investment amount generation unit 121 generates monthly recommended investment amount information regarding the monthly recommended investment amount indicating the investment amount for a specified month to be proposed to the user based on the household account book information stored in the household account book information storage unit 112 and the setting information stored in the setting information storage unit 114, and stores the information in the monthly recommended investment amount storage unit 122.

[0042] The monthly recommended investment amount information indicates the amount that the user can or should allocate to investment in a given month based on the user's household account book information and setting information, and is information calculated according to the user's household financial situation and asset status. In other words, if the user's household financial situation or asset status has ample leeway (for example, if the monthly income and expenditure amount is large), the monthly recommended investment amount will be large, and if the user's household financial situation or asset status does not have ample leeway (for example, if the monthly income and expenditure amount is small), the monthly recommended investment amount will be small.

[0043] The monthly recommended investment amount generation unit 121 calculates a monthly recommended investment amount from the monthly income and expenditure amount included in the household account book information in accordance with the user's asset management policy corresponding to the setting information, and generates monthly recommended investment amount information.

[0044] For example, if the monthly balance is 100,000 yen, and the investment ratio information included in the setting information is 50%, the recommended monthly investment amount will be 50,000 yen.

[0045] In addition, if the amount generated based on the maximum investment amount information included in the setting information is smaller than the amount generated based on the investment ratio information included in the setting information, the monthly recommended investment amount generation unit 121 can generate monthly recommended investment amount information by using the amount generated based on the maximum investment amount information included in the setting information as the monthly recommended investment amount.

[0046] That is, for example, when the maximum investment amount included in the setting information is 40,000 yen (i.e., an amount lower than 50,000 yen, which is the amount generated based on the investment ratio information (here, 50%)), the recommended monthly investment amount will be 40,000 yen. In other words, the amount of 40,000 yen, which is set as the maximum investment amount, is applied in preference to 50,000 yen, which is the amount calculated based on the investment ratio information (here, 50%). This means that even if the monthly income and expenditure amount is high, investment is set to be within the maximum investment amount, which makes it possible to prevent excessive investment when income and expenditure are temporarily high.

[0047] On the other hand, when the maximum investment amount included in the setting information is 100,000 yen (i.e., an amount higher than 50,000 yen, which is the amount generated based on the investment ratio information (here, 50%)), the recommended monthly investment amount will be 50,000 yen.

[0048] In addition, if the amount generated based on the minimum investment amount information included in the setting information is greater than the amount generated based on the investment ratio information included in the setting information, the monthly recommended investment amount generation unit 121 can generate monthly recommended investment amount information using the amount generated based on the minimum investment amount information included in the setting information as the monthly recommended investment amount.

[0049] That is, for example, when the minimum investment amount included in the setting information is 100,000 yen (i.e., an amount higher than 50,000 yen, which is the amount generated based on the investment ratio information (here, 50%)), the recommended monthly investment amount will be 100,000 yen. In other words, the amount set as the minimum investment amount, 100,000 yen, is applied with priority over 50,000 yen, which is the amount calculated based on the investment ratio information (here, 50%). This allows the minimum investment amount to be invested even if the monthly balance is low, thereby encouraging users to invest.

[0050] On the other hand, when the minimum investment amount included in the setting information is 10,000 yen (i.e., an amount lower than 50,000 yen, which is the amount generated based on the investment ratio information (here, 50%)), the recommended monthly investment amount will be 50,000 yen.

[0051] In this way, by setting the investment ratio information in advance, the user can allocate a portion of the monthly income and expenditure amount to investment and the remainder for other purposes (e.g., savings). Also, by setting the maximum investment amount information, the minimum investment amount information, or both in advance, the user can invest an amount within the range expected by the user.

[0052] The user can arbitrarily set the priority of various pieces of information included in the setting information (i.e., the priority of investment ratio information and maximum investment amount information, or the priority of investment ratio information and minimum investment amount information, etc.). Specifically, when the investment ratio information is set to take priority over the minimum investment amount information, if the amount calculated based on the investment ratio information is 50,000 yen and the amount set as the minimum investment amount is 100,000 yen, the recommended monthly investment amount generation unit 121 can set the recommended monthly investment amount to 50,000 yen. On the other hand, when the minimum investment amount information is set to take priority over the investment ratio information, if the amount calculated based on the investment ratio information is 50,000 yen and the amount set as the minimum investment amount is 100,000 yen, the recommended monthly investment amount generation unit 121 can set the recommended monthly investment amount to 100,000 yen.

[0053] Furthermore, the monthly recommended investment amount generating unit 121 can generate monthly recommended investment amount information based on asset information included in the household account book information.

[0054] For example, if the monthly balance is 100,000 yen and the deposit amount is 1,000,000 yen, and the investment ratio information included in the setting information is 50%, the recommended monthly investment amount will be 50,000 yen.

[0055] When the minimum guaranteed amount included in the setting information is 2,000,000 yen (i.e., an amount higher than 1,000,000 yen), the recommended monthly investment amount will be 0 yen. On the other hand, when the minimum guaranteed amount included in the setting information is 500,000 yen (i.e., an amount lower than 1,000,000 yen), the recommended monthly investment amount will be 50,000 yen.

[0056] This allows a user to set the minimum guaranteed amount information in advance and refrain from making investments in the investment support system 100 until the user's deposit amount reaches the minimum guaranteed amount, and, for example, can use their monthly income and expenditures for savings.

[0057] Furthermore, the monthly recommended investment amount generation unit 121 can generate monthly recommended investment amount information for the next month based on the monthly income and expenditure information for a specific month. This allows the user to make investments in amounts linked to their monthly income and expenditure.

[0058] If the monthly balance is a negative value (that is, if expenditure exceeds income), the monthly recommended investment amount generation unit 121 may set the monthly recommended investment amount to 0 yen.

[0059] 4 is a diagram showing an example of information stored in the monthly recommended investment amount storage unit 122. The information stored in the monthly recommended investment amount storage unit 122 includes, for example, a user ID and monthly recommended investment amount information.

[0060] The monthly recommended investment amount information stored in the monthly recommended investment amount storage unit 122 may be monthly recommended investment amount information for one month, or may be monthly recommended investment amount information for each of multiple months.

[0061] The monthly recommended investment amount providing unit 123 provides the monthly recommended investment amount information stored in the monthly recommended investment amount storage unit 122 to at least one of the first information processing system 200 and the second information processing system 300 .

[0062] Fig. 5 is a diagram showing an example of providing monthly recommended investment amount information to the user terminal 220 by the monthly recommended investment amount providing unit 123. The screen shown in Fig. 5 includes an area 501 that displays the monthly recommended investment amount corresponding to the monthly recommended investment amount information, an area 502 that displays the household account book information and setting information used to generate the monthly recommended investment amount information, and an area 503 that displays financial product proposal information by the financial product proposal unit 142 described below and information related to the corresponding second information processing system 300.

[0063] Area 502 includes, for example, monthly income and expenditure information (for example, information corresponding to "previous month's income and expenditure" shown in Figure 5), asset information (for example, information corresponding to "deposit amount at end of previous month" shown in Figure 5), investment ratio information (for example, information corresponding to "investment ratio" shown in Figure 5), maximum investment amount information (for example, information corresponding to "maximum investment amount" shown in Figure 5), and minimum investment amount information (for example, information corresponding to "minimum investment amount" shown in Figure 5).

[0064] The screen shown in FIG. 5 may further include an area 501a that displays the amount that has increased or decreased compared to the monthly recommended investment amount of the previous month, and an area 502a that displays a button for controlling the display of area 502 (displaying or hiding).

[0065] Furthermore, the setting information displayed in area 502 may be modified by a user's input operation on the user terminal 220. In this case, the setting information acquisition unit 113 may acquire the setting information based on the modification by the user, the monthly recommended investment amount generation unit 121 may generate new monthly recommended investment amount information, and the monthly recommended investment amount provision unit 123 may display the new monthly recommended investment amount information in area 501. For example, if the user modifies (changes) the investment ratio in area 502 to 60%, the recommended investment amount for this month displayed in area 501 may be changed from 50,000 yen to 60,000 yen and displayed.

[0066] The estimation unit 131 estimates the investment results when an investment of the monthly recommended investment amount is made under specified conditions for a specified period based on the monthly recommended investment amount information stored in the monthly recommended investment amount memory unit 122, and generates estimation result information indicating the estimation results.

[0067] The estimation unit 131 estimates the investment results (e.g., the amount of profit to be obtained) after the elapse of a predetermined period based on a predetermined period and predetermined conditions (e.g., the investment period and annual return rate, etc.) if the investment of the monthly recommended investment amount is continued for the predetermined period, and generates estimation result information indicating the estimation result.

[0068] Here, the predetermined period and predetermined conditions set in advance may be set in the investment support system 100 by a user's operation via the investment support system 100 or the first information processing system 200. Furthermore, the predetermined period and predetermined conditions (e.g., annualized rate of return, etc.) may be conditions according to the investment target information included in the setting information, for example. That is, if the investment target information is set as "return-oriented," a high annualized rate of return may be set, and if the investment target information is set as "low-risk stable," a low annualized return may be set.

[0069] In addition, the estimation unit 131 may estimate the investment results after a specified period has elapsed if the monthly recommended investment amount is invested in financial products corresponding to the financial product proposal information generated by the financial product proposal unit 142 described below and continued for that specified period.

[0070] The trial calculation result providing unit 132 provides the first information processing system 200 with trial calculation result information indicating the results of the trial calculation performed by the trial calculation unit 131. The trial calculation result providing unit 132 may provide the trial calculation result information using, for example, a graph that allows the user to visually understand the trial calculation results.

[0071] Fig. 6 is a diagram showing an example of provision of trial calculation result information by the trial calculation result providing unit 132 to the user terminal 220. The screen shown in Fig. 6 includes an area 601 for displaying a graph showing the trial calculation results, an area 602 for displaying an explanation of the trial calculation results, and an area 603 for displaying financial product proposal information by the financial product proposal unit 142 (described later) and information related to the corresponding second information processing system 300.

[0072] Although a bar graph is displayed in area 601 on the screen shown in FIG. 6, the display format of the trial calculation results is not limited to this.

[0073] The financial product storage unit 141 stores financial product information related to financial products proposed to the user by the financial product proposal unit 142, which will be described later. That is, the financial product proposal unit 142 proposes the purchase of a predetermined financial product to the user based on the financial product information stored in the financial product storage unit 141.

[0074] 7 is a diagram showing an example of information stored in the financial product storage unit 141. The information stored in the financial product storage unit 141 includes, for example, financial product IDs, name information, risk information, and price information.

[0075] The financial product ID is financial product identification information that identifies a financial product stored in the financial product storage unit 141. The name information is information indicating the name of the financial product. The risk information is information indicating the risk of the financial product, and includes, for example, "high risk" or "low risk," "high return" or "low return," or "return-oriented" or "low-risk stable." The price information is information indicating the price of the financial product, and for example, information indicating the price per unit.

[0076] The risk information and price information that can be stored in the financial product storage unit 141 are merely examples, and the financial product storage unit 141 does not have to store at least one of the risk information and the price information, and the information stored in the financial product storage unit 141 is not limited to financial product IDs, name information, risk information, and price information. In other words, the financial product storage unit 141 only needs to store information related to financial products proposed to users by the financial product proposal unit 142 (described later), which is used in the process of generating or providing financial product proposal information by the financial product proposal unit 142 (described later).

[0077] The financial product proposal unit 142 provides financial product proposal information regarding a proposal to the user to purchase a specified financial product to at least one of the first information processing system 200 and the second information processing system 300 based on the setting information stored in the setting information storage unit 114, the monthly recommended investment amount information stored in the monthly recommended investment amount storage unit 122, and the financial product information stored in the financial product storage unit 141.

[0078] The financial product proposal unit 142 can, for example, extract financial products suitable for the investment target information from the financial product information based on the investment target information included in the setting information, and generate financial product proposal information. That is, if the investment target information is "return-oriented," the financial product proposal unit 142 can, for example, extract financial product information whose risk information is "high return" or "return-oriented" and generate financial product proposal information.

[0079] In addition, the financial product proposal unit 142 can, for example, extract financial products that can be purchased with the monthly recommended investment amount from the financial product information based on the monthly recommended investment amount information stored in the monthly recommended investment amount memory unit 122, and generate financial product proposal information.

[0080] Furthermore, when providing financial product proposal information to the first information processing system 200, the financial product proposal unit 142 may also provide information about the second information processing system 300 (e.g., a link to the homepage of the second information processing system 300) at which financial products corresponding to the financial product proposal information can be purchased to the first information processing system 200. This allows the user to easily purchase the proposed financial products on the second information processing system 300.

[0081] In this case, based on the account information of a financial institution that is provided by the user to the household accounting management system 210 and linked to the household accounting management system 210, information on the second information processing system 300 of the financial institution that corresponds to the account information may be provided to the first information processing system 200. This allows the user to purchase the proposed financial product in the second information processing system 300 of the financial institution that is already linked to the household accounting management system 210.

[0082] Furthermore, when providing financial product proposal information to the second information processing system 300, the financial product proposal unit 142 may provide all of the financial product proposal information to the second information processing system 300, or may provide only a portion of the financial product proposal information. When providing only a portion of the financial product proposal information, for example, the financial product proposal unit 142 may first provide financial product proposal information to the first information processing system 200, and then provide only financial product proposal information corresponding to financial products selected by the user based on the user's purchase instruction operation for the proposed financial products via the first information processing system 200. When providing only a portion of the financial product proposal information, for example, the financial product proposal unit 142 may provide only financial product proposal information corresponding to financial products previously purchased by the user to the second information processing system 300.

[0083] The financial product purchasing unit 143 purchases a predetermined financial product for the monthly recommended investment amount based on the monthly recommended investment amount information. The financial product purchasing unit 143 can, for example, purchase predetermined financial products in an amount equal to the monthly recommended investment amount. Here, the predetermined financial product may, for example, be a financial product that the user has purchased in the past.

[0084] Furthermore, the financial product purchasing unit 143 can purchase the financial products corresponding to the financial product proposal information generated by the financial product proposal unit 142, in an amount equivalent to the monthly recommended investment amount. In this case, the financial product purchasing unit 143 may purchase the financial products corresponding to the user's purchase instruction operation, in an amount equivalent to the monthly recommended investment amount, based on the user's purchase instruction operation via the first information processing system 200 for the financial products proposed to the user by the financial product proposal unit 142, for example.

[0085] 8 is a flowchart showing an example of processing in the investment support system 100. The flowchart shown in FIG. 8 shows an example of processing in the investment support system 100 when purchasing a financial product with a recommended monthly investment amount.

[0086] First, the household account book information acquisition unit 111 and the setting information acquisition unit 113 acquire household account book information and setting information, respectively, from the first information processing system 200 (S801). The monthly recommended investment amount generation unit 121 calculates a monthly recommended investment amount based on the household account book information and setting information, and generates monthly recommended investment amount information (S802). The estimation unit 131 estimates investment results when an investment of the monthly recommended investment amount is made under predetermined conditions for a predetermined period, based on the monthly recommended investment amount information, and generates estimation result information indicating the estimation result (S803).

[0087] Next, the financial product proposal unit 142 provides financial product proposal information related to a proposal to purchase a predetermined financial product to the user based on the setting information, the monthly recommended investment amount information, and the financial product information to the first information processing system 200, and proposes the financial product (S804).The financial product purchasing unit 143 purchases the predetermined financial product with the monthly recommended investment amount based on the monthly recommended investment amount information (S805).

[0088] The estimation by the estimation unit 131 may be performed after the financial product proposal unit 142 provides the financial product proposal information.

[0089] Fig. 9 is a flowchart showing an example of processing in the investment support system 100. The flowchart shown in Fig. 9 shows an example of processing when the second information processing system 300 purchases a financial product with a recommended monthly investment amount.

[0090] First, the household account book information acquisition unit 111 and the setting information acquisition unit 113 acquire household account book information and setting information, respectively, from the first information processing system 200 (S901). The monthly recommended investment amount generation unit 121 calculates a monthly recommended investment amount based on the household account book information and setting information, and generates monthly recommended investment amount information (S902). The estimation unit 131 estimates investment results when an investment of the monthly recommended investment amount is made under predetermined conditions for a predetermined period, based on the monthly recommended investment amount information, and generates estimation result information indicating the estimation result (S903).

[0091] Next, the financial product proposal unit 142 provides financial product proposal information regarding financial products to be proposed for purchase to the user based on the setting information, the monthly recommended investment amount information, and the financial product information to the first information processing system 200, and proposes the financial products (S904). Then, the monthly recommended investment amount providing unit 123 and the financial product proposal unit 142 provide all or part of the monthly recommended investment amount information and the financial product proposal information to the second information processing system 300, respectively (S905).

[0092] The monthly recommended investment amount providing unit 123 may provide the monthly recommended investment amount information to the first information processing system 200 or the second information processing system before the financial product proposal unit 142 provides the financial product proposal information to the first information processing system 200. Furthermore, the processing related to the generation of financial product proposal information by the financial product proposal unit 142 or the provision of the financial product proposal information to the first information processing system 200 may be performed by the second information processing system 300.

[0093] The above describes one embodiment of the present invention. The investment support system 100 can generate monthly recommended investment amount information based on household account book information and setting information acquired from the first information processing system 200 (at least one of the household account book management system 210 and the user terminal 220). This makes it possible to suggest to the user an investment amount that corresponds to the user's monthly household situation, and to realize flexible investment that corresponds to the user's monthly income and expenditure.

[0094] Furthermore, if the amount generated based on the minimum investment amount information included in the setting information is greater than the amount generated based on the investment rate information included in the setting information, the investment support system 100 can generate monthly recommended investment amount information using the amount generated based on the minimum investment amount information included in the setting information as the monthly recommended investment amount. This allows the minimum investment amount to be set as the investment even if the monthly balance is small, thereby encouraging users to invest.

[0095] Furthermore, if the amount generated based on the maximum investment amount information included in the setting information is smaller than the amount generated based on the investment rate information included in the setting information, the investment support system 100 can generate recommended monthly investment amount information using the amount generated based on the maximum investment amount information included in the setting information as the recommended monthly investment amount. This allows the system to set investment within the maximum investment amount even when the monthly income and expenditure is large, making it possible to prevent excessive investment when income and expenditure are temporarily high.

[0096] Furthermore, the investment support system 100 can provide monthly recommended investment amount information to at least one of the first information processing system 200 and the second information processing system 300. This allows the user to understand their own monthly recommended investment amount and, for example, determine whether or not to make a corresponding investment, or review their household finances or asset management policies. Furthermore, the administrator of the second information processing system 300 can make a corresponding investment or make investment suggestions to the user, depending on the user's monthly recommended investment amount.

[0097] Furthermore, the investment support system 100 can display monthly recommended investment amount information and setting information on the user terminal 220. This allows the user to understand their own monthly recommended investment amount and, for example, determine whether or not to make a corresponding investment, or review their household finances or asset management policies.

[0098] Furthermore, the investment support system 100 can calculate the recommended monthly investment amount based on the user's operation to modify the setting information via the user terminal 220, and display the generated recommended monthly investment amount information on the user terminal 220. This allows the user to flexibly modify the setting information while referring to the recommended monthly investment amount, and based on the modified recommended monthly investment amount, can, for example, determine whether or not to make a corresponding investment, or review the policy of household finances or asset management.

[0099] Furthermore, the investment support system 100 can estimate the investment results when an investment of the monthly recommended investment amount is made for a predetermined period and under predetermined conditions based on the monthly recommended investment amount information, and provide estimate result information indicating the estimate results to the first information processing system 200. This allows the user to understand the estimate results of flexible investments according to the user's monthly income and expenditure.

[0100] Furthermore, the investment support system 100 can provide financial product proposal information related to a proposal for the purchase of a predetermined financial product to the user to at least one of the first information processing system 200 and the second information processing system 300 based on the setting information, the monthly recommended investment amount information, and the financial product information. This allows the user to receive proposals for appropriate financial products according to the user's asset management policy and monthly income and expenditure, enabling flexible investment according to the user's monthly income and expenditure. Furthermore, the second information processing system 300 can propose to the user financial products with a higher probability of purchase based on the user's monthly income and expenditure.

[0101] Furthermore, the investment support system 100 can purchase predetermined financial products with the monthly recommended investment amount based on the monthly recommended investment amount information. This allows the investment support system 100 to flexibly invest in predetermined financial products according to the user's monthly income and expenditure.

[0102] Furthermore, the investment support system 100 can generate monthly recommended investment amount information based on asset information indicating the value of the user's assets, allowing the user to make flexible investments based on information about the user's assets in addition to their monthly income and expenditure.

[0103] It should be noted that the present embodiment is provided to facilitate understanding of the present invention and is not intended to limit the present invention. The present invention may be modified or improved without departing from the spirit thereof, and equivalents thereof are also included in the present invention. [Explanation of symbols]

[0104] 100 Investment support system, 111 Household account book information acquisition unit, 112 Household account book information storage unit, 113 Setting information acquisition unit, 114 Setting information storage unit, 121 Monthly recommended investment amount generation unit, 122 Monthly recommended investment amount storage unit, 123 Monthly recommended investment amount provision unit, 131 Estimation unit, 132 Estimation result provision unit, 141 Financial product storage unit, 142 Financial product proposal unit, 143 Financial product purchase unit, 200 First information processing system, 210 Household account book management system, 220 User terminal, 300 Second information processing system

Claims

1. A household account information acquisition unit that acquires household account information indicating the user's household finances, including monthly income and expenditure information for at least one month, from an external first information processing system used by the user; a setting information acquisition unit that acquires setting information related to a user's asset management policy from the first information processing system; a monthly recommended investment amount generation unit that generates monthly recommended investment amount information regarding a monthly recommended investment amount indicating an investment amount for a predetermined month to be proposed to a user based on the household account book information and the setting information; Equipped with The setting information includes investment ratio information indicating a ratio of the monthly recommended investment amount information to be allocated to investment, and minimum investment amount information indicating a minimum amount to be allocated to investment, the monthly recommended investment amount generation unit generates the monthly recommended investment amount information based on the investment ratio information and the minimum investment amount information, and if the amount generated based on the minimum investment amount information is greater than the amount generated based on the investment ratio information, generates the monthly recommended investment amount information by using the amount generated based on the minimum investment amount information as the monthly recommended investment amount; Investment support system.

2. A household account book information acquisition unit that acquires household account book information showing the user's household finances, including monthly income and expenditure information for at least one month, from an external first information processing system used by the user; a setting information acquisition unit that acquires setting information related to a user's asset management policy from the first information processing system; a monthly recommended investment amount generation unit that generates monthly recommended investment amount information regarding a monthly recommended investment amount indicating an investment amount for a predetermined month to be proposed to a user based on the household account book information and the setting information; Equipped with The setting information includes investment ratio information indicating a ratio of the monthly recommended investment amount information to be allocated to investment, and maximum investment amount information indicating a maximum amount to be allocated to investment, the monthly recommended investment amount generation unit generates the monthly recommended investment amount information based on the investment ratio information and the maximum investment amount information, and if the amount generated based on the maximum investment amount information is smaller than the amount generated based on the investment ratio information, generates the monthly recommended investment amount information by using the amount generated based on the maximum investment amount information as the monthly recommended investment amount; Investment support system.

3. 3. The investment support system according to claim 1, further comprising a monthly recommended investment amount providing unit that provides the monthly recommended investment amount information to at least one of the first information processing system and an external second information processing system.

4. 4. The investment support system according to claim 3, wherein the monthly recommended investment amount providing unit displays the monthly recommended investment amount information and the setting information on a user terminal used by the user.

5. the setting information acquisition unit acquires the setting information based on a modification operation performed by the user through the user terminal on the setting information displayed on the user terminal; the monthly recommended investment amount generation unit generates the monthly recommended investment amount information based on the setting information acquired by the correction operation; the monthly recommended investment amount providing unit displays the monthly recommended investment amount information generated based on the setting information acquired by the correction operation on the user terminal. The investment support system according to claim 4.

6. a calculation unit that calculates an investment result when an investment of the monthly recommended investment amount is made under a predetermined period and predetermined conditions based on the monthly recommended investment amount information, and generates calculation result information indicating the calculation result; an estimate result providing unit that provides the estimate result information to the first information processing system; The investment support system according to any one of claims 1 to 2, further comprising:

7. An investment support system as described in any one of claims 1 to 2, further comprising a financial product proposal unit that provides financial product proposal information regarding proposals to users for the purchase of specified financial products based on the setting information, the monthly recommended investment amount information, and pre-set financial product information regarding proposed financial products to at least one of the first information processing system and an external second information processing system.

8. 3. The investment support system according to claim 1, further comprising a financial product purchasing unit that purchases a predetermined financial product with the monthly recommended investment amount based on the monthly recommended investment amount information.

9. The household account book information further includes asset information indicating the value of assets held by the user, The setting information further includes setting information related to the asset. The investment support system according to any one of claims 1 to 2.

10. A computer comprising: Acquire household account book information indicating the user's household finances, including monthly income and expenditure information relating to monthly income and expenditure for at least one month, from an external first information processing system used by the user; acquiring setting information relating to a user's asset management policy from the first information processing system; An investment support method for generating monthly recommended investment amount information regarding a monthly recommended investment amount indicating an investment amount for a predetermined month to be proposed to a user based on the household account book information and the setting information, The setting information includes investment ratio information indicating a ratio of the monthly recommended investment amount information to be allocated to investment, and minimum investment amount information indicating a minimum amount to be allocated to investment, generating the monthly recommended investment amount information based on the investment ratio information and the minimum investment amount information, and if the amount generated based on the minimum investment amount information is greater than the amount generated based on the investment ratio information, generating the monthly recommended investment amount information using the amount generated based on the minimum investment amount information as the monthly recommended investment amount; Investment support methods.

11. A computer comprising: a household account book information acquisition unit that acquires household account book information indicating the user's household finances, including monthly income and expenditure information relating to at least one month's worth of monthly income and expenditure, from an external first information processing system used by the user; a setting information acquisition unit that acquires setting information related to a user's asset management policy from the first information processing system; a monthly recommended investment amount generation unit that generates monthly recommended investment amount information relating to a monthly recommended investment amount indicating an investment amount for a predetermined month to be proposed to a user based on the household account book information and the setting information, The setting information includes investment ratio information indicating a ratio of the monthly recommended investment amount information to be allocated to investment, and minimum investment amount information indicating a minimum amount to be allocated to investment, the monthly recommended investment amount generation unit generates the monthly recommended investment amount information based on the investment rate information and the minimum investment amount information, and if the amount generated based on the minimum investment amount information is greater than the amount generated based on the investment rate information, generates the monthly recommended investment amount information by setting the amount generated based on the minimum investment amount information as the monthly recommended investment amount; Investment support program.

12. A computer comprising: Acquire household account book information indicating the user's household finances, including monthly income and expenditure information relating to monthly income and expenditure for at least one month, from an external first information processing system used by the user; acquiring setting information relating to a user's asset management policy from the first information processing system; generating monthly recommended investment amount information regarding monthly recommended investment amounts indicating investment amounts for a predetermined month to be proposed to the user based on the household account book information and the setting information; The setting information includes investment ratio information indicating a ratio of the monthly recommended investment amount information to be allocated to investment, and maximum investment amount information indicating a maximum amount to be allocated to investment, generating the monthly recommended investment amount information based on the investment ratio information and the maximum investment amount information, and if the amount generated based on the maximum investment amount information is smaller than the amount generated based on the investment ratio information, generating the monthly recommended investment amount information using the amount generated based on the maximum investment amount information as the monthly recommended investment amount; Investment support methods.

13. A computer comprising: a household account book information acquisition unit that acquires household account book information indicating the user's household finances, including monthly income and expenditure information relating to at least one month's worth of monthly income and expenditure, from an external first information processing system used by the user; a setting information acquisition unit that acquires setting information related to a user's asset management policy from the first information processing system; a monthly recommended investment amount generation unit that generates monthly recommended investment amount information relating to a monthly recommended investment amount indicating an investment amount for a predetermined month to be proposed to a user based on the household account book information and the setting information, The setting information includes investment ratio information indicating a ratio of the monthly recommended investment amount information to be allocated to investment, and maximum investment amount information indicating a maximum amount to be allocated to investment, the monthly recommended investment amount generation unit generates the monthly recommended investment amount information based on the investment rate information and the maximum investment amount information, and if the amount generated based on the maximum investment amount information is smaller than the amount generated based on the investment rate information, generates the monthly recommended investment amount information by setting the amount generated based on the maximum investment amount information as the monthly recommended investment amount; Investment support program.

Images