Information processing device, information processing method, and program

Abstract

An information processing device according to one aspect of the present invention comprises: an estimation means for estimating future expenditures on the basis of user information; an acquisition means for acquiring monitoring information in which the health of the user is monitored; an update means for updating the future expenditures on the basis of the monitoring information; and a notification means for providing notifications according to the future expenditures before the update and the future expenditures after the update.

Description

Information Processing Apparatus, Information Processing Method, and Program

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

[0002] Techniques for assisting in creating a life plan for a person have been evolving. For example, Patent Document 1 discloses a server that creates a life plan for a person based on input information received from the person. The input information can be sequentially updated by the person.

[0003] Japanese Unexamined Patent Application Publication No. 2022-184208

[0004] Over time, a person's health condition may change. When the health condition changes, it is considered that future expenses will change because the possibility of future disease onset and the like change. In this case, it is assumed that the life plan of the person needs to be changed. In Patent Document 1, since the health condition of the person is not considered, there is a limit to the accuracy of the life plan.

[0005] An example of an object to be achieved by an embodiment of the present disclosure is to provide an information processing apparatus, an information processing method, and a program that can assist in creating a highly accurate life plan for a user. It should be noted that this object is only one of the multiple objects to be achieved by the multiple embodiments disclosed herein. Other objects or problems and novel features will be clarified from the description of this specification or the attached drawings.

[0006] An information processing apparatus according to one aspect includes: an estimation means for estimating future expenses based on user information; an acquisition means for acquiring monitoring information monitored about the health of the user; an update means for updating the future expenses based on the monitoring information; and a notification means for performing a notification according to the future expenses before update and the future expenses after update.

[0007] An information processing method according to one embodiment is an information processing method performed by a computer that estimates future expenditures based on user information, obtains monitoring information that has been monitored regarding the user's health, updates the future expenditures based on the monitoring information, and provides notifications according to the future expenditures before and after the update.

[0008] One embodiment of the program is a program that causes a computer to perform the following actions: estimate future expenses based on user information; acquire monitoring information about the user's health; update the future expenses based on the monitoring information; and provide notifications according to the future expenses before and after the update.

[0009] This disclosure provides an information processing device, an information processing method, and a program that can support the creation of accurate life plans for users.

[0010] This is a block diagram showing an example of an information processing device related to this disclosure. This is a flowchart showing a typical example of processing by the information processing device. This is a block diagram showing an example of a notification system related to this disclosure. This is a block diagram showing an example of a support server related to this disclosure. This is a flowchart showing a typical example of processing by the support server. This is a flowchart showing a typical example of processing by the support server. This is a flowchart showing an example of the generation of presentation information. This is a flowchart showing another example of the generation of presentation information. This is a block diagram showing another example of a support server related to this disclosure. This is a block diagram showing an example of the hardware configuration of an information processing device on which processing is performed.

[0011] Embodiments of this disclosure will be described below with reference to the drawings. Note that the following descriptions and drawings in the embodiments have been omitted and simplified as appropriate for clarity of explanation. Furthermore, unless otherwise specified, in this disclosure, when "at least one of the multiple items" is defined for multiple items, that definition may mean any one item or any multiple items (including all items).

[0012] Each drawing referenced in an embodiment is merely illustrative to illustrate one or more embodiments. Each drawing may be associated with one or more other embodiments rather than with only one specific embodiment. As those skilled in the art will understand, various features or steps described with reference to any one drawing can be combined with features or steps shown in one or more other drawings, for example, to create embodiments that are not explicitly shown. Not all features or steps shown in any one drawing to illustrate an exemplary embodiment are necessarily required, and some features or steps may be omitted. The order of steps described in any of the drawings may be changed as appropriate.

[0013] Embodiment 1 Figure 1 is a block diagram showing an example of an information processing device according to the present disclosure. The information processing device 100 includes an estimation unit 102, an acquisition unit 104, an update unit 106, and a notification unit 108. Each unit will be described below.

[0014] The estimation unit 102 estimates future spending based on the user's basic information. "User's basic information" refers to any personal information about the user. For example, the basic information may include at least one of the following: All or part of the basic information may be updated at any time, or after a predetermined period has elapsed since the last update. The update may be performed by the user, or by a person other than the user. - Information about the user's health - Information about the user's life plan - Information about the user's assets - Information about the user's insurance - Information about the user's work

[0015] Here, "health information" may include at least one of the following: • Monitored information about the user's health (hereinafter also referred to as "monitoring information") • At least one of the user's age, gender, history of illness or injury at the time of or in the past of basic information recording (hereinafter also referred to as "medical history"), or work history • Subjective or objective symptoms • Other user information "Monitoring information" includes at least one of the user's biometric information or dietary information monitored by equipment, etc. Biometric information may include, for example, at least one of the following that can be obtained through simple monitoring: heart rate, electrocardiogram, respiratory rate, body temperature, cardiopulmonary function, blood pressure, blood oxygen saturation, exercise amount such as steps or calories burned, and sleep duration. Biometric information may also include detailed test results such as height, weight, waist circumference, vision, hearing, blood pressure, urine, and blood. Blood test results may include, for example, test results for protein, various enzymes, antigens, antibodies, lipids, blood glucose, uric acid, and blood cells. Thus, biometric information may include vital information regarding "pulse," "respiration," "body temperature," "blood pressure," and "level of consciousness." However, examples of biometric information are not limited to these. Furthermore, "food-related information" may, for example, indicate the content of meals eaten by the user over a specified period or number of times. Food-related information may be presented in either textual or photographic form. "Other user information" refers to subjective responses, plans, and other information from the user or other individuals regarding the user's health status, lifestyle, etc.

[0016] Detailed monitoring may be conducted in a medical facility, for example, in the form of a health checkup. Alternatively, monitoring may be done simply using portable devices such as smartphones, smartwatches, or activity trackers.

[0017] "Life plan information" includes information about the user's life. Life information includes, but is not limited to, at least one of the following events: entering school, graduating, starting a job, changing jobs, getting married, raising children, retiring, or entering a care facility. Life plan information may directly or indirectly indicate the costs associated with life. For example, life plan information may include the costs associated with various events, as well as the costs the user incurs in their daily life. Costs incurred in daily life may be actual expenses or target spending amounts.

[0018] "Asset information" refers to any asset that can be converted into monetary value, such as the user's financial assets and real assets. Financial assets include, for example, cash, investment trusts, stocks, bonds, deposits, and savings-type life insurance. Real assets include, for example, real estate. Asset information may include, for example, information on assets held by the user at the time the basic information is provided. Alternatively, asset information may include information on assets that the user is expected to acquire or lose in the future from the time the expenditure is estimated. Furthermore, asset information may include information on the user's income. Income information may include at least one of the following: income at the time the expenditure is estimated, past income, or projected future income.

[0019] "Insurance information" includes, for example, information on insurance policies the user has at the time of providing basic information, or information on insurance policies the user may take out in the future from the time of providing basic information. Insurance information may also include information on the insurance contract period, premiums, insurance payouts, or benefits. In this way, insurance information may indicate the user's insurance coverage status.

[0020] "Work-related information" includes information such as the job the user is currently doing, past work history, educational background, and qualifications held at the time of basic information entry. It may also include information about the job the user desires and their desired retirement age. Desired job information may include, for example, the type of job and desired income.

[0021] The basic user information described above may be obtained from outside the information processing device 100, or it may be stored in the storage unit of the information processing device 100. The estimation unit 102 estimates future expenses based on the basic information. "Future expenses" refers to expenses incurred by the user from the time of the estimation processing by the estimation unit 102 until a predetermined period in the future.

[0022] The estimation unit 102 may perform the estimation process described above using an algorithm or a trained model. For example, by inputting the user's basic information into a predetermined algorithm, the algorithm outputs future expenditures corresponding to the input information. The trained model is an AI (Artificial Intelligence) model, such as a machine learning model. For example, the model is trained by inputting training data that includes information about a person as sample information and information about the expenditures of that person after obtaining the sample information as ground truth label information. After this training is performed, the basic information of a user who will actually be using the system is input into the model. The model outputs information about future expenditures corresponding to this input information. The model may have a configuration that includes, for example, a neural network. Furthermore, such a model may be generated using deep learning techniques and may include layers such as a feature extraction layer and a fully connected layer. The algorithm or trained model may be stored in the memory unit of the information processing device 100, or it may be provided outside the information processing device 100.

[0023] The estimation unit 102 may calculate the user's risk of illness or injury based on basic information. The risk of illness or injury indicates the likelihood that the user will suffer from illness or injury within a predetermined period from the estimation time. The illness or injury covered in the risk of illness or injury includes at least one of one or more diseases or injuries. Diseases include any disease that may affect the user's expenses. Diseases include, but are not limited to, at least one of the following: diseases of internal organs, brain or blood, cancer, diabetes, mental illness, or dementia. The estimation unit 102 estimates future expenses based on the calculated risk of illness or injury. Estimated future expenses include, for example, at least one of the medical expenses or nursing care expenses incurred as a result of the onset of illness or injury. Estimated expenses may also include a decrease in income due to retirement or interruption of work, or a reduction in workload, as a result of the onset of illness or injury. Furthermore, future expenses may include the user's insurance premium payments. In addition, future expenses may include the user's living expenses. Living expenses may include expenses that are expected to increase as a result of the onset of illness or injury.

[0024] The algorithm or trained model used by the estimation unit 102 may calculate the risk of injury or illness based on the input information, provided that basic information is input. Alternatively, the algorithm or trained model may estimate future expenditures based on the input information regarding the risk of injury or illness. The algorithm may be used for either calculating the risk of injury or illness, or for estimating future expenditures. Similarly, the trained model may be used for either calculating the risk of injury or illness, or for estimating future expenditures.

[0025] As another example, the estimation unit 102 may calculate the age at which the user will need assistance or care based on the user's basic information. The estimation unit 102 then estimates future expenses based on the calculated age. For example, the estimation unit 102 may estimate expenses for the period from the age at which assistance or care is needed to the user's expected lifespan. The user's expected lifespan may be, for example, based on the user's gender, etc. Alternatively, the estimation unit 102 may estimate the user's expected lifespan based on the user's basic information. The estimated expenses may include, for example, care costs.

[0026] The algorithm or trained model used by the estimation unit 102 may calculate the age at which the user will require assistance or care, based on the input of basic information. Alternatively, the algorithm or trained model may estimate future expenses based on the input of the age at which assistance or care will be required. The algorithm may be used for either calculating age or estimating future expenses. Similarly, the trained model may be used for either calculating age or estimating future expenses.

[0027] However, when estimating future expenses, the risk of illness or injury, or the age at which the user will require assistance or care, does not necessarily need to be calculated.

[0028] The acquisition unit 104 acquires monitoring information about the user's health. The definition of "monitoring information" is as described in the explanation of the estimation unit 102. If the basic user information used by the estimation unit 102 is monitoring information, the monitoring information acquired by the acquisition unit 104 may have the same types of items as the monitoring information used by the estimation unit 102, or it may have different types of items. The monitoring information may be acquired at a different time than when the basic information is acquired. The monitoring information may be acquired from outside the information processing device 100, or it may be stored in the storage unit of the information processing device 100. For example, the acquisition unit 104 may have a transmission and reception interface. The acquisition unit 104 acquires monitoring information by receiving it transmitted by the user's mobile device.

[0029] The update unit 106 updates the future expenditures estimated by the estimation unit 102 based on the monitoring information acquired by the acquisition unit 104. "Future expenditures" refers to expenditures incurred by the user from the time of expenditure update by the update unit 106 to a predetermined period in the future. Future expenditures are positive or zero.

[0030] The details of the processing in the update unit 106 are described below. Points that are common to the processing in the estimation unit 102 will be omitted from explanation as appropriate.

[0031] The update unit 106 may perform the update process using an algorithm or a trained model. For example, by inputting monitoring information and previously estimated or updated future expenditures into a predetermined algorithm or trained model, the algorithm or trained model outputs updated future expenditures according to the input information. The model is trained by inputting sample information, which includes monitoring information of a person and information on previously estimated future expenditures, and ground truth label information, which includes information on updated future expenditures, as training data. The previously estimated or updated future expenditures may be future expenditures estimated or updated most recently in the update process of the update unit 106, or future expenditures estimated or updated at an earlier time. The algorithm or trained model may be stored in the storage unit of the information processing device 100, or it may be provided outside the information processing device 100.

[0032] Furthermore, the update unit 106 may update the user's injury / illness risk based on monitoring information and information on the user's injury / illness risk calculated in the past. The updated injury / illness risk indicates the possibility that the user will suffer an injury or illness within a predetermined period from the time of the update. The algorithm or trained model used by the update unit 106 may update the injury / illness risk according to the input information when this information is input. The algorithm or trained model may also update future expenditures when the updated injury / illness risk information is input. Note that the injury / illness risk calculated in the past may be the injury / illness risk calculated immediately before the update process of the update unit 106, or it may be the injury / illness risk calculated at an earlier time.

[0033] As another example, the update unit 106 may update the age at which the user requires assistance or care based on monitoring information. The estimation unit 102 estimates future expenditures based on the updated age. The algorithm or trained model used by the update unit 106 may update the age at which the user requires assistance or care based on the input of monitoring information. The algorithm or trained model may also estimate future expenditures based on the input of the age at which assistance or care is required.

[0034] Furthermore, in the processing described above, the update unit 106 may update the future expenditures estimated by the estimation unit 102 by further using the user's basic information in addition to the monitoring information. For example, suppose the estimation unit 102 estimates future expenditures based on basic information including the user's insurance information. In this case, the update unit 106 updates the future expenditures based on the monitoring information and the basic information including the user's insurance information. The basic information used by the update unit 106 may be updated from the basic information used by the estimation unit 102.

[0035] The notification unit 108 provides notifications based on future expenditures before and after the update. For example, the notification unit 108 provides notifications based on a comparison of future expenditures before and after the update. More specifically, the notification unit 108 may change whether or not to provide a notification, the content of the notification, or the recipient of the notification, depending on the comparison result.

[0036] For example, the notification unit 108 may change whether or not to send a notification, the content of the notification, or the recipients of the notification, depending on whether the difference obtained by subtracting the future expenses before the update from the future expenses after the update is equal to or greater than a predetermined threshold. For example, the notification unit 108 may send a notification if the difference value is equal to or greater than a predetermined threshold. On the other hand, the notification unit 108 may not send a notification if the difference value is less than a predetermined threshold. Also, if the difference value is equal to or greater than a predetermined threshold, the notification unit 108 may send a notification prompting a change in at least one of the life plan or lifestyle habits. On the other hand, if the difference value is less than a predetermined threshold, the notification unit 108 may send a notification indicating that a change in the life plan or lifestyle habits is unnecessary or of low importance. Also, if the difference value is equal to or greater than a predetermined threshold, the notification unit 108 may set the user's terminal and one or more terminals other than the user as recipients of the notification. On the other hand, if the difference value is less than a predetermined threshold, the notification unit 108 may reduce the number of recipients of the notification compared to when the difference value is equal to or greater than a predetermined threshold. For example, if the difference value is less than a predetermined threshold, the notification unit 108 may set only the user's terminal as the notification destination. The changes to the notification mode of the notification unit 108 described above will be explained in more detail in Embodiment 2.

[0037] The "future expenditure before update" used in calculating the difference may be a future expenditure calculated or updated immediately before the update process, or a future expenditure calculated or updated before the update process. For example, a future expenditure calculated or updated a certain period before the time the future expenditure was updated may be used as the "future expenditure before update".

[0038] As another example, when estimating future expenditures, the estimation unit 102 may use asset information to calculate net assets as the value obtained by subtracting estimated future expenditures from the user's assets. The user's assets may be the total assets, which include all items such as the user's financial assets and real assets listed in "Asset Information," or it may be a part of the total assets (for example, the user's financial assets). The notification unit 108 then calculates the difference between the net assets calculated when future expenditures are updated and the net assets calculated most recently before the update. Depending on whether this difference is greater than or equal to a predetermined threshold, the notification unit 108 may change at least one of the following: whether or not to send a notification, the content of the notification, or the recipient of the notification. Details of this change are as described above. For example, the notification unit 108 may send a notification if the difference is greater than or equal to a predetermined threshold. On the other hand, the notification unit 108 may not send a notification if the difference is less than a predetermined threshold.

[0039] Furthermore, the notification unit 108 may use monitoring information in addition to future expenditures before and after the update to change whether or not to send a notification, the content of the notification, or the recipient of the notification, or at least one of these. For example, the notification unit 108 may compare monitoring information with predetermined criteria regarding health status and determine whether the user's health status indicated by the monitoring information is better than the predetermined criteria.

[0040] The following assumes that the difference value is greater than or equal to a predetermined threshold. In this case, the notification unit 108 may not send a notification if the user's health condition is better than the predetermined standard, but may send a notification if it is not better than the predetermined standard. Furthermore, if the user's health condition is better than the predetermined standard, the notification unit 108 may send a notification indicating that the need to change the life plan or lifestyle habits is lower, or that the degree to which changes should be made is lower, compared to the case where the user's health condition is not better than the predetermined standard. Also, if the user's health condition is better than the predetermined standard, the notification unit 108 may reduce the number of notification recipients compared to the case where the user's health condition is not better than the predetermined standard. For example, if the user's health condition is not better than the predetermined standard, the notification unit 108 may set the user's terminal and one or more terminals other than the user as notification recipients. On the other hand, if the user's health condition is better than the predetermined standard, the notification unit 108 may set only the user's terminal as a notification recipient. The above changes in the notification method can also be implemented when the difference value is less than the predetermined threshold.

[0041] Other recipients of notifications may include, for example, family members, acquaintances, or guardians of the user. Furthermore, other recipients of notifications may include at least one medical institution or social welfare facility that the user has visited or may visit at the time of notification. Examples of medical institutions include, but are not limited to, hospitals, clinics, or pharmacies. Examples of social welfare facilities include, but are not limited to, elderly care facilities or facilities for people with disabilities. As another example, other recipients of notifications may include fitness facilities that the user attends or may attend at the time of notification. However, the notification unit 108 may also notify the notification content via a notification unit (e.g., a display unit or speaker) connected to the information processing device 100.

[0042] Note that the notification unit 108 may include at least part of the user's basic information in the notification content. Further, the notification unit 108 may include at least part of the monitoring information used by the update unit 106 at the most recent update in the notification content. Furthermore, the notification unit 108 may include not only at least part of the monitoring information used at the most recent update, but also at least part of the monitoring information acquired by the acquisition unit 104 before that monitoring information in the notification content.

[0043] Also, when the update unit 106 updates the user's injury / illness risk or the age at which the user requires support or care, the notification unit 108 may include the user's injury / illness risk or the age at which the user requires support or care in the notification content. The notification unit 108 may determine whether to include the user's injury / illness risk or the age at which the user requires support or care in the notification content according to the comparison result.

[0044] As another example, when the number of times the value obtained by subtracting the future expenditure before the update from the future expenditure after the update is greater than or equal to a predetermined threshold is greater than or equal to a predetermined threshold, the notification unit 108 may change at least any one of whether to issue a notification, the content of the notification, or the notification destination. The change may be executed when the number of times the value of the difference is greater than or equal to the predetermined threshold is consecutive or the total number of times is greater than or equal to the predetermined threshold. The notification unit 108 can also make a similar change in the notification mode regarding the difference between the net assets calculated when the future expenditure is updated and the net assets calculated most recently before the update.

[0045] Note that the update unit 106 may start the process of updating future expenditure when the acquisition unit 104 has acquired monitoring information a predetermined number of times or more after the start of acquisition of the monitoring information, or when a predetermined period has elapsed. Similarly, the notification unit 108 may start the process of issuing a notification according to the future expenditure before the update and the future expenditure after the update when the acquisition unit 104 has acquired monitoring information a predetermined number of times or more after the start of acquisition of the monitoring information, or when a predetermined period has elapsed. This is because it is considered that more accurate update or notification processing may be possible by starting the processing by the update unit 106 or the notification unit 108 after a certain number of samples have been accumulated.

[0046] Also, the timing at which the estimation unit 102 performs estimation may be the timing when all or part of the basic information (for example, "information regarding assets") is updated. The update unit 106 and the notification unit 108 may execute the above-described processes at the timing when the estimation unit 102 performs estimation.

[0047] [Description of the Flow] FIG. 2 is a flowchart showing an example of typical processing of the information processing apparatus 100. The processing of the information processing apparatus 100 is described by this flowchart. Note that since the details of each process are as described above, the description is appropriately omitted.

[0048] [[ID=S]] The estimation unit 102 estimates future expenditures based on the basic information of the user (step S12). The acquisition unit 104 acquires monitoring information regarding the health of the user (step S14). Note that step S14 may be executed after step S12, but the order of step S12 and step S14 is not limited to this. The update unit 106 updates future expenditures based on the monitoring information acquired in step S14 (step S16). The notification unit 108 performs a notification according to the future expenditures before the update and the future expenditures updated in step S16 (step S18).

[0049] Note that the information processing apparatus 100 can execute the processes of steps S14 to S18 each time the monitoring information is acquired. Also, when the basic information is updated, the information processing apparatus 100 may execute the process of step S12 again. <0000OM>

[0050] [Description of the Effect] As described above, the information processing apparatus 100 updates future expenditures using the monitoring information regarding the health of the user. The information processing apparatus 100 executes a notification according to the future expenditures before the update and the future expenditures after the update. The user or another person can accurately create the life plan of the user by checking the notification. Therefore, the information processing apparatus 100 can assist in creating the life plan of the user. [[ID=II]]

[0051] Furthermore, the notification unit 108 may change whether or not to send a notification, the content of the notification, or the recipient of the notification, depending on the future expenses before and after the update. In other words, the information processing device 100 can change the notification format when it is anticipated that the user's life plan may change. By changing the notification format, the user or other individuals can more accurately recognize the importance of changing the user's life plan and create a life plan with greater precision.

[0052] Furthermore, the notification unit 108 may use not only future expenditures before and after the update, but also monitoring information acquired by the acquisition unit 104 to change whether or not to send a notification, the content of the notification, or the recipient of the notification, or at least one of these. In other words, the information processing device 100 can change the form of notification according to the user's health status. By changing the form of notification, the user or another person can create a more accurate life plan for the user.

[0053] Furthermore, the notification unit 108 may transmit at least a portion of the monitoring information acquired by the acquisition unit 104 to at least one of the medical institutions, social welfare facilities, or fitness facilities relating to the user, depending on future expenditures before and after the update. Staff at the medical institutions, social welfare facilities, or fitness facilities can assess the user's health status by reviewing the transmitted information. Staff can then consider measures to maintain the user's health status. Therefore, the information processing device 100 contributes to maintaining the user's health status.

[0054] Furthermore, the notification unit 108 may change whether or not to send a notification, the content of the notification, or the recipient of the notification, depending on whether the difference obtained by subtracting the future expenditure before the update from the future expenditure after the update is greater than or equal to a predetermined threshold. When there is almost no change in future expenditure before and after the update, it can be said that the change in the user's health condition is negligible. In this case, sending a notification, or sending a notification urging excessive attention, is expected to cause annoyance to the user. However, the information processing device 100 can change the manner of notification according to the difference value. Therefore, the information processing device 100 can reduce the annoyance felt by the user.

[0055] Similarly, the notification unit 108 may change whether or not to send a notification, the content of the notification, or the recipient of the notification, depending on whether the difference obtained by subtracting the user's assets based on future expenditures before the update from the user's assets based on future expenditures after the update is greater than or equal to a predetermined threshold. If future expenditures and the user's assets increase or decrease by a similar amount over time, it is considered that no significant changes will occur in the user's life plan. Therefore, when no significant changes occur in the life plan, notifications or excessive warnings are suppressed. As a result, the information processing device 100 can reduce the annoyance felt by the user.

[0056] Furthermore, the estimation unit 102 may estimate future expenses based on the user's basic information, including information about the user's insurance. The update unit 106 updates future expenses based on monitoring information and information about the user's insurance. In this way, the information processing device 100 can incorporate information such as the insurance policies the user has when estimating expenses. Therefore, the information processing device 100 can help create a more accurate life plan.

[0057] Furthermore, the estimation unit 102 may calculate the user's injury and illness risk based on the user's basic information and estimate future expenses based on the calculated injury and illness risk. The update unit 106 updates the user's injury and illness risk based on monitoring information and updates future expenses based on the updated injury and illness risk. By using injury and illness risk, which has a significant impact on the user's life plan, the information processing device 100 can calculate or update future expenses with greater accuracy. The information processing device 100 can more accurately support the creation of the user's life plan by issuing notifications according to future expenses before and after the update.

[0058] The notification unit 108 may further notify the user of updated disease risks. This allows the information processing device 100 to encourage the user to manage their health.

[0059] The information processing device 100 may be configured as a single computer device or as a distributed system having multiple computer devices. In a distributed system, the processing performed by the information processing device 100 can be shared and executed by multiple computer devices. In other words, the estimation unit 102 to the notification unit 108 may be distributed and installed on two or more computer devices, and the information processing device 100 may be realized by enabling communication between the two or more computer devices.

[0060] The information processing device 100 may have some or all of its components installed on a cloud server built on the cloud, or on other types of virtualized servers generated using virtualization technology, etc. Functions other than those installed on servers such as cloud servers or virtualized servers are located at the edge.

[0061] Each of the embodiments described below discloses specific examples of the information processing device 100 described in Embodiment 1. However, the specific examples of the information processing device 100 shown in Embodiment 1 are not limited to those described below. Furthermore, the configurations and processes described below are illustrative and not limiting.

[0062] Embodiment 2 (2A) [Description of Configuration] Figure 3 is a block diagram showing an example of the notification system according to the present disclosure. The notification system S comprises a smartwatch SW, a user terminal UT, a support server 200, and a management server MS. In this example, the support server 200 is a server operated by a securities company S that provides financial and insurance products. The user is a customer of securities company S. The management server MS is a server that manages patient information at the user's regular hospital M.

[0063] The smartwatch SW is a portable device that monitors the user's vital information and transmits the monitoring results to the support server 200 as monitoring information. However, instead of the smartwatch SW, or in addition to it, the monitoring information may also be transmitted to the support server 200 from the user's smartphone. A dedicated application is installed on the smartphone, and this application functions to transmit the acquired monitoring information to the support server 200. The monitoring information is transmitted to the support server 200 periodically, but the frequency of transmission can be changed as needed.

[0064] The user terminal UT is a device owned by the user, such as a smartphone or PC (Personal Computer). The user terminal UT accesses the HP (Homepage) of the service operated by the support server 200. The user's basic information is entered into the user terminal UT during user registration. The basic information includes information about the user's health, life plan, assets, and insurance. A detailed explanation of this is the same as in Embodiment 1 and will therefore be omitted. Furthermore, the basic information includes destination information for the user terminal UT, which is the destination for the information presented later, and for the management server MS, which is the destination for the reports later. The entered user basic information is transmitted from the user terminal UT to the support server 200. Note that even after the basic information has been transmitted to the support server 200, the user terminal UT may update the basic information in response to user operations and transmit the updated basic information to the support server 200.

[0065] Furthermore, the user terminal UT can set or change at least one of the following configuration information to the support server 200 in response to user operations: (i) the timing and frequency at which the data collection unit 204 described later acquires monitoring information; (ii) the timing and frequency at which the update unit 212 described later updates the user's future expenditures; (iii) the manner in which the presentation control unit 214 described later transmits presentation information to the user terminal UT. (iii) includes, for example, the timing and frequency at which presentation information is transmitted. Also, (iii) may include conditions that determine at least one of the following: whether or not to transmit presentation information; the content of the presentation information; and the destination to which the presentation information or report is transmitted. The timing and frequency in (i) and (ii) may be the same or different. For example, (i) may indicate that monitoring information is acquired once a week, and (ii) may indicate that future expenditures are updated once a month. Also, the timing and frequency in (ii) and (iii) may be the same or different. The user terminal UT sends the configuration information described above to the support server 200.

[0066] The support server 200 collects monitoring information from the smartwatch SW and receives basic information from the user terminal UT. The support server 200 uses the acquired basic information and monitoring information to generate information to present to the user and transmits the information to the terminal UT. The support server 200 also uses the acquired basic information and monitoring information to generate a report to the hospital M and transmits the report to the management server MS. The detailed configuration and processing of the support server 200 will be described later.

[0067] The management server MS receives reports from the support server 200. Doctors at hospital M can review these reports to understand the users' disease risks and assess their health status. This allows doctors to consider measures to maintain the users' health.

[0068] Figure 4 is a block diagram showing an example of a support server according to this disclosure. The support server 200 is a specific example of the information processing device 100. The support server 200 includes a reception unit 202, a data collection unit 204, an estimation unit 206, a report generation unit 208, a setting unit 210, an update unit 212, a presentation control unit 214, a transmission unit 216, and a storage unit 218. Each unit will be described below.

[0069] The reception unit 202 receives the user's basic information transmitted from the user terminal UT. When the reception unit 202 first receives the user's basic information, it registers the user's basic information in the customer list stored in the storage unit 218. Furthermore, when the reception unit 202 receives updated user basic information, it updates the user's basic information registered in the customer list.

[0070] For example, a user may update their lifestyle plan in their basic information after reviewing the information presented. The lifestyle plan may include, but is not limited to, exercise and diet plans. The user terminal UT transmits the updated lifestyle plan to the support server 200 as information about the user's health, in response to the user's actions. The reception unit 202 updates the health information in the user's basic information using the transmitted information.

[0071] Furthermore, the user's basic information may include biometric information obtained when the user undergoes a health checkup. When a user undergoes a health checkup at a medical institution, the medical institution transmits the updated biometric information data to the support server 200. The reception unit 202 uses the transmitted information to update the user's health information in the user's basic information.

[0072] The data acquisition unit 204 periodically collects monitoring information from the smartwatch SW. This monitoring information represents the user's life log. The data acquisition unit 204 stores the collected monitoring information in the storage unit 218. The timing and frequency of the data acquisition unit 204 acquiring monitoring information are determined by the configuration information.

[0073] The estimation unit 206 estimates the user's future expenses using the basic information received by the reception unit 202. Specifically, the estimation unit 206 calculates the user's disease risk by inputting the basic information into an algorithm for calculating disease risk. The disease risk indicates the likelihood that the user will contract each of several representative diseases (e.g., cancer, heart disease, brain disease, etc.) within a predetermined period from the estimation time. The estimation unit 206 then estimates the user's future expenses by inputting the calculated disease risk into an algorithm for estimating expenses. Future expenses include, for example, hospitalization, outpatient treatment, and nursing care costs incurred if the user contracts the disease indicated by the disease risk in the future.

[0074] The report generation unit 208 generates a report containing information on the user's disease risk calculated by the estimation unit 206. Furthermore, the report generation unit 208 also generates a report containing the updated information on the user's disease risk when the update unit 212 updates the user's disease risk. The generated report is transmitted to the management server MS by the transmission unit 216.

[0075] Furthermore, the report generation unit 208 generates presentation information that includes the user's future spending information estimated by the estimation unit 206. Also, if the update unit 212 updates the user's future spending, the report generation unit 208 generates presentation information that includes the updated user's future spending information as needed. The generated presentation information is transmitted to the user terminal UT by the transmission unit 216.

[0076] Furthermore, the report generation unit 208 may include both the disease risk calculated by the estimation unit 206 or the update unit 212 and the future expenditure calculated using that disease risk in at least one of the report or the presented information. In addition, the report generation unit 208 may include at least a portion of either the user's basic information or the acquired monitoring information in at least one of the report or the presented information. For example, the report generation unit 208 may include information about the user's health in the report.

[0077] However, the report generation process of the report generation unit 208 does not necessarily have to be executed.

[0078] The setting unit 210 determines the settings for the processing that the support server 200 will perform with respect to the user. The setting unit 210 acquires the setting information transmitted from the user terminal UT. The setting unit 210 sets or changes one of the following according to the setting information: (i) the timing and frequency at which the data collection unit 204 acquires monitoring information; (ii) the timing and frequency at which the update unit 212 updates the user's future spending; (iii) the manner in which the presentation control unit 214 transmits presentation information to the user terminal UT. The setting unit 210 stores the setting information from (i) to (iii) in the storage unit 218 as the settings for the processing of the support server 200.

[0079] For example, the user may set (i) that monitoring information is acquired once a week, and (ii) that future expenses are updated once a month. The user may also set (iii) that presentation information is sent to the user terminal UT if the difference obtained by subtracting the future expenses before the update from the future expenses after the update is equal to or greater than a predetermined amount. If the difference is less than the predetermined amount, the presentation information is not sent to the user terminal UT. However, the user may also set (iii) that presentation information is sent to the user terminal UT each time future expenses are updated.

[0080] The update unit 212 updates the estimated future expenditures calculated by the estimation unit 206 based on the monitoring information collected by the data collection unit 204 each time the data collection unit 204 collects monitoring information. Specifically, the update unit 212 updates the user's disease risk by inputting the monitoring information and the user's disease risk information most recently estimated or calculated by the update unit 212 into the disease risk update algorithm. The disease risk update algorithm may also output the updated user's disease risk using the user's basic information.

[0081] The update unit 212 then updates the user's future expenses by inputting the updated disease risk into the expense update algorithm. The expense update algorithm may further output the updated user's disease risk using at least one of the user's basic information or the user's future expenses calculated most recently before the update process. The timing and frequency of the update unit 212 updating the user's future expenses are determined by setting information (ii).

[0082] The presentation control unit 214 determines whether or not to generate presentation information based on setting information (iii) when the update unit 212 updates the user's future spending. For example, the presentation control unit 214 may determine that presentation information should be generated if the difference obtained by subtracting the future spending before the update from the future spending after the update is greater than or equal to a first threshold, and may determine not to generate presentation information if the difference is less than the threshold Th1. Th1 is a predetermined value of 0 or greater. If presentation information should be generated, the presentation control unit 214 instructs the report generation unit 208 to generate presentation information that includes the updated information on the user's future spending.

[0083] Furthermore, if the presentation control unit 214 determines that presentation information should be generated, it may also determine that a visit to a medical institution (e.g., hospital M) is recommended. The visit may be either an in-person consultation or an online consultation. However, the presentation control unit 214 may also determine that a visit to a medical institution is recommended only if the difference is greater than or equal to the threshold Th2. Even if it determines that presentation information should be generated, if the difference is less than Th2, the presentation control unit 214 may determine that a recommendation to visit a medical institution is unnecessary. Note that Th2 > Th1. If a visit to a medical institution is recommended, the presentation control unit 214 instructs the report generation unit 208 to generate presentation information indicating that a visit to a medical institution is recommended. If a recommendation to visit a medical institution is unnecessary, the presentation control unit 214 instructs the report generation unit 208 to either not mention a visit to a medical institution or generate presentation information indicating that there is little need to visit a medical institution. In this way, even if presentation information is generated, the presentation control unit 214 may change the urgency indicated by the content of the presentation information according to the value of the difference.

[0084] The urgency indicated by the presented information, depending on the difference value, is not limited to two levels, but may be three or more levels. For example, the presentation control unit 214 may determine that an in-person consultation is recommended when the difference is greater than or equal to the threshold Th3, and determine that an online consultation is recommended when the difference is between Th2 and Th3. Online consultations are a simpler form of consultation compared to in-person consultations. If the deterioration of the user's health is not expected to be significant, it is assumed that there will be fewer problems if an online consultation is given instead of an in-person consultation, taking into consideration the burden on the user. Note that Th3 > Th2 > Th1.

[0085] As another example of changing the consultation method, the presentation control unit 214 may determine that if the difference is greater than or equal to the threshold Th3, it is recommended to receive medical treatment within a period L1 from the time the presentation information was generated. On the other hand, if the difference is greater than or equal to Th2 and less than Th3, the presentation control unit 214 may determine that it is recommended to receive medical treatment within a period L2 from the time the presentation information was generated, where L1 < L2.

[0086] Furthermore, even if the difference is less than the threshold Th1, the presentation control unit 214 may cause the report generation unit 208 to generate presentation information indicating that a visit to a medical institution is recommended if the future expenditure after the update is greater than or equal to a predetermined value.

[0087] The presentation control unit 214 may identify the type of medical institution to which a visit is recommended, depending on the content indicated by the disease risk. For example, if the cardiovascular disease risk is higher than a predetermined value, the presentation control unit 214 may identify a cardiovascular clinic or internal medicine department as the medical institution. For example, the presentation control unit 214 may identify the cardiovascular internal medicine department of hospital M, which is the user's regular hospital. The presentation control unit 214 causes the report generation unit 208 to generate presentation information indicating that a visit to the identified medical institution is recommended.

[0088] Furthermore, if the presentation control unit 214 determines that presentation information should be generated, it may instruct the report generation unit 208 to generate presentation information requesting input of the user's lifestyle plan. In other words, the presentation information encourages the user to improve their lifestyle plan. However, the presentation control unit 214 may instruct the report generation unit 208 to generate presentation information requesting input of the lifestyle plan only if the difference is greater than or equal to the threshold Th4. If the difference is less than Th4, the presentation information does not need to encourage the user to improve their lifestyle plan. Note that Th4 > Th1. The user can update their lifestyle plan in response to confirming the presentation information requesting input of their lifestyle plan.

[0089] Furthermore, the presentation control unit 214 may perform the above processing not on the difference obtained by subtracting the future expenditure before the update from the future expenditure after the update, but on the difference between the net assets calculated when the future expenditure was updated and the net assets calculated most recently before the update. The same applies to (2B) and (2C) described later.

[0090] The transmission unit 216 uses the destination information of the basic information to send the report generated by the report generation unit 208 to the management server MS. The transmission unit 216 also uses the destination information to send the presentation information generated by the report generation unit 208 to the user terminal UT. The presentation information is sent to the user terminal UT in the form of a message (e.g., email), a notification from a dedicated application, etc. The message of the presentation information may include a summary of the presentation information and a link to detailed presentation information. The user can operate the user terminal UT and select a link to display the detailed presentation information on the screen of the user terminal UT. For example, the user's basic information may be displayed as detailed presentation information. The report may also be sent to the management server MS in the same format as the presentation information.

[0091] The storage unit 218 appropriately stores data acquired by the reception unit 202 and the data collection unit 204, disease risk and future expenditures estimated by the estimation unit 206, reports and presentation information generated by the report generation unit 208, and disease risk and future expenditure information updated by the update unit 212. The storage unit 218 also appropriately stores the configuration information of the support server 200.

[0092] [Flowchart Description] Figures 5A and 5B are flowcharts illustrating typical processes performed by the support server 200. These flowcharts explain the processes of the support server 200. Details of each process are described above and will therefore be omitted as appropriate.

[0093] When the reception unit 202 receives the user's basic information transmitted from the user terminal UT, it registers the user by adding the user's basic information to the customer list (step S22). The estimation unit 206 uses the basic information obtained in step S22 to estimate the user's disease risk and future expenses (step S24).

[0094] The report generation unit 208 generates a report containing information on the estimated user's disease risk and sends it to the management server MS (step S26). The report generation unit 208 also generates presentation information containing information on the estimated user's future expenses and has the transmission unit 216 send it to the user terminal UT (step S28). The setting unit 210 sets the frequency at which the update unit 212 updates future expenses and the manner in which the presentation control unit 214 sends the presentation information to the user terminal UT, according to the setting information sent from the user terminal UT (step S30). Steps S28 and S30 may be performed in any order.

[0095] The data collection unit 204 collects monitoring information from the smartwatch SW (step S32). The update unit 212 updates the user's disease risk and future expenditures, which have been most recently estimated or updated, based on the monitoring information collected in step S32 (step S34). The report generation unit 208 generates a report containing the updated user disease risk information from step S34 and transmits it to the management server MS via the transmission unit 216 (step S36).

[0096] After the update related to step S34 is performed, the presentation control unit 214 determines, based on the configuration information, whether or not to generate presentation information (i.e., whether or not to notify the user) (step S38). If it is determined that presentation information should be generated (Yes in step S38), the presentation control unit 214 instructs the report generation unit 208 to generate presentation information including the updated information on the user's future expenses. The transmission unit 216 transmits the generated presentation information to the user terminal UT (step S40). The user updates their basic information as needed by referring to the presentation information. The reception unit 202 updates the user's basic information using the transmitted information (step S42). For example, if the user updates their lifestyle plan, the reception unit 202 updates the user's health information in the user's basic information using the transmitted plan information. Note that the process in step S42 can be executed even if presentation information is not transmitted (No in step S38). Also, the process in step S42 can be executed at any timing after step S22.

[0097] [Explanation of Effects] As described above, the support server 200 can estimate and update disease risk and future expenses by using not only data such as health checkups included in the basic information, but also monitoring information that can be obtained in daily life. Generally, it is assumed that people undergo health checkups about once a year. Therefore, when estimating a person's disease risk using only data such as health checkups, it is expected that the accuracy of the estimated disease risk will decrease as time passes since the health checkup. Therefore, it is expected that the accuracy of future expenses estimated according to disease risk will also decrease. In contrast, the support server 200 can estimate and update the user's disease risk with greater accuracy by using monitoring information that can be collected frequently. Therefore, the support server 200 can also estimate and update future expenses with greater accuracy.

[0098] Furthermore, the support server 200 can notify the user of information based on a comparison between future expenses before the update and future expenses after the update. By referring to the information provided, the user can consider measures for asset management in accordance with future expenses. For example, suppose the information provided indicates that the user's risk of developing cancer is above a predetermined value, and that future expenses due to cancer will occur. In this case, the user can consider measures such as purchasing cancer insurance, saving money, or investing to secure funds for the hospitalization costs that are anticipated as a risk.

[0099] Furthermore, the presentation control unit 214 may generate presentation information requesting input of a lifestyle plan based on the comparison results. This allows the user to improve their lifestyle by referring to the presentation information. By improving their lifestyle, the user can reduce their future disease risk.

[0100] Furthermore, the display control unit 214 may, depending on the comparison results, change at least one of the following in the displayed information: whether or not to recommend visiting a medical institution, which medical institution to recommend, or the manner in which to visit the recommended medical institution. This allows the user to quickly determine how they should receive medical treatment by referring to the displayed information. For example, by referring to the displayed information, the user can understand the recommended timing for visiting a medical institution. By appropriately visiting a medical institution, the user can reduce their future risk of illness.

[0101] In the above example, we assumed that the management server MS, which is linked to the support server 200, is located in a hospital. However, the management server MS may be located in another institution or facility. For example, the management server MS may be located in the nursing care facility to which the user belongs.

[0102] The support server 200 sends the above report to the care facility. Care facility staff can use the report to develop service plans for users and estimate the costs of those services. Generally, the resources and other factors required by the care facility to support a care recipient vary depending on the care recipient's condition. By sending the report, the support server 200 can reduce the effort required for care facility staff to prepare services for users. The report may also include at least one of the following: information on future expenses, life plans, assets, or insurance. By referring to this information, staff can develop more appropriate service plans and estimate the costs of those services, tailored to the user's situation. Furthermore, it becomes easier for staff to explain to users and their families that the service costs are reasonable, as they can use the estimated future expense information in their explanations.

[0103] As another example, the management server MS may be located at the fitness facility to which the user belongs. The support server 200 sends the above report to the fitness facility. By referring to the report, the fitness facility staff can create exercise and diet plans to improve the user's health. The report may also include information about the user's lifestyle, such as basic information and monitoring information. This allows the staff to create exercise and diet plans that more effectively improve the user's health. The report may also include information about the life plan (e.g., information on target expenditures). By referring to the report, the staff can provide more appropriate exercise and diet plan advice tailored to the user's situation. Furthermore, the staff can develop more appropriate service plans and estimate the costs required for those services.

[0104] (2B) Figure 6A shows an example of how the presentation control unit 214 determines what kind of presentation information the report generation unit 208 will create in step S40 of Figure 5B. The following describes an example of how to create presentation information. In the following, explanations of processes already described in (2A) will be omitted as appropriate.

[0105] First, the presentation control unit 214 determines whether the difference obtained by subtracting the future expenditure before the update from the future expenditure after the update is a positive value (step S50). If the difference is a positive value (Yes in step S50), the presentation control unit 214 controls the report generation unit 208 to include information about the user's health and insurance in the presentation information (step S52). On the other hand, if the difference is not a positive value (No in step S50), the presentation control unit 214 controls the report generation unit 208 to include information about the user's asset management in the presentation information (step S54).

[0106] However, the presentation control unit 214 may execute the process in step S54 if the difference is a negative value (for example, if the difference is less than a predetermined negative value). In either step S52 or S54, the presentation information may include updated information on the user's future spending. The transmission unit 216 transmits the presentation information generated by the process in step S52 or S54 to the user terminal UT (step S56).

[0107] The health information presented in step S52 may be information regarding visits to medical institutions, as indicated in (2A). Alternatively, the health information may be information that indicates the user should pay more attention to their health compared to the information presented in step S54. For example, the health information may be information that recommends improvements to lifestyle habits such as diet and exercise to the user.

[0108] Furthermore, the insurance information presented in step S52 may also be information that indicates the importance of insurance and recommends purchasing insurance. However, the insurance information may also be information on specific insurance products relating to diseases with a risk higher than a predetermined value in the updated disease risk assessment.

[0109] Insurance information includes, for each insurance product, information such as the types of diseases covered, premiums and benefits or insurance payments, payment conditions, insurance period, and optional contracts to extend coverage. Such insurance product information is stored in the memory unit 218.

[0110] The presentation control unit 214 determines the insurance information to be displayed in the presentation information by comparing the insurance product information stored in the memory unit 218 with the disease risk. For example, if the disease risk for cancer is higher than a predetermined value, the presentation control unit 214 selects cancer insurance information as the insurance information. Also, if the disease risk for an internal organ disease is higher than a predetermined value, the presentation control unit 214 selects medical insurance information covering internal organ diseases as the insurance information. Furthermore, if the disease risk for a disease requiring advanced medical treatment that is not covered by the public insurance system is higher than a predetermined value, the presentation control unit 214 selects medical insurance information that covers the payment of advanced medical treatment as the insurance information.

[0111] Furthermore, the presentation control unit 214 may, by further referring to the user's medical history in their basic information, avoid selecting insurance products that the user cannot enroll in due to their medical history, and instead select insurance products that the user can enroll in even with a medical history, as insurance information.

[0112] The presentation control unit 214 may further identify at least one of the following pieces of information by referring to the asset information or life plan information in the user's basic information: • The amount of insurance premiums the user is expected to be able to pay • The amount of benefits or insurance payments the user desires The presentation control unit 214 may also select an insurance product corresponding to the identified information by comparing the identified information with the insurance product information stored in the storage unit 218. In other words, the presentation control unit 214 can select information on insurance products that suit the user's assets or life plan as insurance information.

[0113] Furthermore, the presentation control unit 214 may determine the insurance coverage the user has at step S52 by referring to the insurance information in the user's basic information. The presentation control unit 214 may also control the report generation unit 208 to display suggestions for expanding the user's existing insurance plan in the presentation information. Expanding the insurance plan includes, but is not limited to, an increase in benefits or insurance payments in the insurance plan, or subscribing to an optional insurance contract.

[0114] For example, the presentation control unit 214 determines that the insurance plan the user has already subscribed to does not cover diseases with a risk higher than a predetermined value in the updated disease risk assessment. On the other hand, the presentation control unit 214 determines that an optional contract for the insurance the user has already subscribed to does cover diseases with a risk higher than a predetermined value in the updated disease risk assessment. In this case, the presentation control unit 214 may control the report generation unit 208 to show a suggestion for the user to apply for the optional contract in the presentation information.

[0115] On the other hand, the asset management information presented in step S54 may be information that indicates the importance of asset management and recommends the purchase of financial products. Furthermore, the asset management information may also be information about specific financial products. This is because if future expenses after the update are reduced compared to future expenses before the update, the user may be able to further increase their assets by investing that amount and choose a more comfortable life plan. The presentation control unit 214 may identify financial products that can be purchased with the difference amount according to the difference value, and present information about the identified financial products in the presented information.

[0116] Financial products include, but are not limited to, investment trusts, stocks, bonds, deposits, and savings-type life insurance. Information on financial products includes, for each financial product, information such as the investment target, required amount, required holding period, and risk or return (e.g., yield). Information on financial products may be stored in the memory unit 218 or on a network outside the support server 200.

[0117] The presentation control unit 214 determines the asset management information to be displayed in the presentation information by comparing the financial product information stored in the memory unit 218 with the difference between the future expenditure before the update and the future expenditure after the update. For example, the presentation control unit 214 selects a financial product to be displayed in the presentation information if the difference is greater than or equal to the amount required for the financial product. For example, if the difference is 1 million yen, the presentation control unit 214 may select a financial product that can be invested in with 1 million yen or less from the financial product information stored in the memory unit 218.

[0118] Furthermore, the presentation control unit 214 may use the updated disease risk to determine the asset management information to be displayed in the presentation information. Specifically, the presentation control unit 214 may change at least one of the risks of financial products that can be displayed in the presentation information or the required holding period, depending on the risks indicated by the disease risk. For example, if all the risks indicated by the disease risk are below a predetermined threshold, the presentation control unit 214 may perform at least one of the following settings compared to the case where they are not: - Increase the risk of financial products that can be displayed in the presentation information - Increase the return of financial products that can be displayed in the presentation information - Lengthen the required holding period for financial products that can be displayed in the presentation information

[0119] Furthermore, the presentation control unit 214 may further identify at least one of the following pieces of information by referring to the user's basic information regarding assets or life plan information: • The amount of financial products the user is expected to be able to pay for • The return on investment of financial products desired by the user The presentation control unit 214 may also select financial products corresponding to the identified information by comparing the identified information with the financial products stored in the storage unit 218. In other words, the presentation control unit 214 can select information on financial products that suit the user's assets or life plan as financial products to be displayed in the presentation information.

[0120] Furthermore, the presentation control unit 214 may determine the financial instruments held by the user at step S54 by referring to the asset information in the user's basic information. The presentation control unit 214 may also present suggestions in the presentation information to change the financial instruments held to those with higher risk or return, or those with a longer holding period. For example, the presentation control unit 214 may also present suggestions in the presentation information to change the user's debts to longer-term debts. In this way, the presentation control unit 214 may be configured to make suggestions in the presentation information to hold less liquid assets when it is assumed that future expenses will decrease and the user's health will improve.

[0121] The presentation control unit 214 may determine the insurance information the user has at step S54 by referring to the insurance information in the user's basic information. The presentation control unit 214 determines whether it is possible to lower the premiums of the existing insurance by comparing the cases where the risks indicated by the disease risks after renewal are all below a predetermined threshold with the cases where they are not. If it is possible to lower the premiums, the presentation control unit 214 may set it to indicate in the presentation information that the premiums of the existing insurance will be lowered as information related to asset management. Furthermore, the presentation control unit 214 may calculate the expected increase in assets resulting from the reduction in premiums, and determine the financial products to be shown in the presentation information by using this expected increase and the difference between future expenses before renewal and future expenses after renewal. The details of the method for determining financial products are as described above. If the presentation control unit 214 determines the financial products to be shown in the presentation information using only the difference between future expenses before renewal and future expenses after renewal, there is a possibility that there are financial products that cannot be shown to the user from the standpoint of the required amount, etc. However, since the presentation control unit 214 further determines the financial products to be shown using the expected increase, it is possible to broaden the types of financial products that can be shown.

[0122] In the above, at least one of the insurance products or financial products proposed by the presentation control unit 214 may be products handled by the securities company S that owns the management server MS. Hereinafter, insurance products and financial products will be collectively referred to as products.

[0123] For example, the memory unit 218 may store only information about products handled by securities company S as product information. The presentation control unit 214 presents the information stored in the memory unit 218 in the presentation information, so all products presented in the presentation information will be products handled by securities company S.

[0124] However, the memory unit 218 may store product information not only for products handled by securities company S, but also for products handled by other companies. The presentation control unit 214 determines which products to propose in the presentation information by executing the above process. In this case, if there are multiple products to propose in the presentation information, the presentation control unit 214 may be set to present products handled by securities company S with priority over products handled by other companies. Preferential presentation means that products handled by securities company S are presented to the user with more emphasis than products handled by other companies. For example, the order of product descriptions in the presentation information may be set so that products handled by securities company S are displayed to the user before products handled by other companies. Alternatively, the order of product descriptions in the presentation information may be set so that products handled by securities company S are displayed more prominently than products handled by other companies. Prominent display means, for example, increasing the font size or using colors such as red, yellow, or fluorescent colors.

[0125] The presentation control unit 214 may perform the process of determining which products to present in the presentation information using an algorithm or a trained model. For example, by inputting information on future expenditures after and before the update, disease risk, and product information stored in the memory unit 218 into a predetermined algorithm, the algorithm outputs information on which products to present in the presentation information according to the input information. Alternatively, the model is trained by inputting training data that includes sample information and information on products corresponding to the sample information (information on the correct label). The sample information includes information on future expenditures after and before the update, disease risk, and product information stored in the memory unit 218.

[0126] [Explanation of Effects] As described above, the presentation control unit 214 sets the content of the presentation information to relate to at least one of the user's health or insurance when the difference obtained by subtracting the future expenditure before the update from the future expenditure after the update is positive. On the other hand, the presentation control unit 214 sets the content of the presentation information to relate to the user's asset management when the difference is negative. Therefore, the support server 200 can propose products etc. according to the user's condition. In particular, the support server 200 can generate presentation information by utilizing not only subjective information from the user but also monitoring information. Therefore, it becomes possible to propose products etc. that are more in line with the user's objective physical condition, etc. Therefore, it is possible to better maintain or improve the user's assets. In addition, the support server 200 can also increase sales of products etc. Furthermore, the support server 200 can plan insurance products or financial products without requiring the user to visit the store. Note that the threshold for the difference in which the content of the presentation information is changed is 0 in the above example, but it is not limited to this and can take any value.

[0127] (2C) The following are variations of the process shown in (2B) that have been further modified.

[0128] Figure 6B shows another example in step S40 where the presentation control unit 214 determines what presentation information the report generation unit 208 will create. The following describes examples of presentation information creation. Note that explanations of processes already described in (2B) will be omitted as appropriate.

[0129] First, the presentation control unit 214 determines whether the difference obtained by subtracting the future expenditure before the update from the future expenditure after the update is a positive value (step S50). If the difference is a positive value (Yes in step S50), the presentation control unit 214 determines whether the difference will decrease by changing the user's current job to another job (step S58). If it is determined that the difference will not decrease even if the job is changed (No in step S58), the presentation control unit 214 executes the process in step S52. On the other hand, if it is determined that the difference will decrease by changing the job (Yes in step S58), the presentation control unit 214 controls the report generation unit 208 to generate presentation information that suggests a job change to the user as presentation information related to health (step S60). However, the presentation control unit 214 may also control the report generation unit 208 so that the presentation information not only suggests a job change to the user but also includes information about the user's health and insurance. If the difference is not a positive value (No in step S50), the presentation control unit 214 executes the process in step S54. The transmission unit 216 transmits the presentation information generated by the processing in step S52, S54, or S60 to the user terminal UT (step S56).

[0130] The details of the process in step S60 will be described below. In step S60, the presentation control unit 214 may generate presentation information that simply proposes a change of job to the user, without presenting specific job details. However, in step S60, the presentation control unit 214 may present the user with specific job details of the new job in the presentation information.

[0131] For example, the presentation control unit 214 identifies job information available to the user by referring to the user's basic information and job information. The job information may be information stored in the storage unit 218. However, the job information may also be stored on a network outside the support server 200, such as information from a job search website. In this case, the presentation control unit 214 obtains the job information by accessing the network.

[0132] For example, the presentation control unit 214 may identify jobs with job requirements corresponding to the user's basic information by comparing the user's age, gender, and medical history listed in the user's basic information with the job requirements listed in the job postings for each job. Furthermore, the presentation control unit 214 may use the job information listed in the user's basic information to further identify jobs that are considered to be favorable to the user from among the identified jobs. For example, the presentation control unit 214 may further identify jobs from among the identified jobs that correspond to at least one of the jobs the user is currently doing at the time of writing the basic information, past work experience, educational background, or qualifications held. Alternatively, the presentation control unit 214 may further identify jobs from among the identified jobs that correspond to information about jobs the user desires.

[0133] The presentation control unit 214 may also use an algorithm or LLM (Large Language Model) to identify jobs with job requirements corresponding to the basic information.

[0134] The presentation control unit 214 estimates information on future expenses that a user might expect if they were to change jobs to a specified job. Specifically, the presentation control unit 214 estimates the risk of illness if the user changes jobs using the updated disease risk and the information on the job offer and benefits listed in the job posting for the specified job. In addition to information on the job offer and benefits, word-of-mouth information regarding the benefits of the specified job may also be used. This word-of-mouth information is stored, for example, on a network outside the support server 200. The presentation control unit 214 obtains this word-of-mouth information by accessing the network. This information on the benefits of the job includes information that affects the fatigue level of the worker, such as weekly working hours and annual holidays. Fatigue levels can affect the risk of illness. Therefore, the presentation control unit 214 can estimate the risk of illness if the user changes jobs by using the information on the benefits of the job and the updated disease risk.

[0135] The presentation control unit 214 may perform the process of estimating the disease risk in the event of a job change using an algorithm or a pre-trained model. For example, the model for estimating the disease risk in the event of a job change may be trained by inputting training data including sample information and information on the disease risk in the event of a job change (information on the correct label). The sample information includes the updated disease risk and information on the treatment at the job after the job change. The algorithm or pre-trained model may be stored in the memory unit 218 or provided outside the support server 200.

[0136] The update unit 212 inputs the disease risk in the event of a job change into an algorithm for updating expenses, thereby calculating the user's future expenses if they change jobs. Here, if the updated future expenses are I1 and the user's future expenses if they change jobs are I2, the presentation control unit 214 determines whether the difference I3 (= I1 - I2) for each identified job is a positive value. If the difference I3 is a positive value, it is considered that the risk of disease decreases due to a decrease in fatigue caused by changing jobs, and expenses such as hospitalization, outpatient visits, and nursing care decrease.

[0137] However, the presentation control unit 214 may further perform the following processing. The presentation control unit 214 refers to the user's income information included in the user's basic information. Using the income information, the presentation control unit 214 calculates the user's projected income I4 from step S58 to a predetermined period. The predetermined period is, for example, the period until the retirement age indicated in the basic information, but is not limited to this.

[0138] Furthermore, the presentation control unit 214 uses the income information listed in the job posting for the specified job to calculate the user's estimated income I5 from step S58 to a predetermined period if the user were to change jobs to the specified job. The predetermined period may be the same as the retirement age indicated in the basic information, or it may be a different age. A different age is, for example, the retirement age at the new job. The presentation control unit 214 then calculates the difference I6 (= I4 - I5) between the estimated income I4 and the estimated income I5.

[0139] The presentation control unit 214 determines whether the gain / loss I7 (= I3 - I6) for each of the identified jobs is a positive value. If I7 is a positive value, it means that the user has economic benefits from changing jobs, not only in terms of income but also considering their health.

[0140] The presentation control unit 214 is configured to present to the user in the presentation information any job that meets any of the following conditions as specific job details for a potential new job: • A job where the difference I3 is a positive value. • A job where both the difference I3 and the gain / loss I7 are positive values. • A job where the difference I3 is a positive value and the difference I6 is 0 or less. If the job details are listed on a job search website on an external network, the presentation control unit 214 may also present information on the job search website for jobs that meet the above conditions in the presentation information.

[0141] [Explanation of Effects] As described above, the presentation control unit 214 will change the content of the presentation information to one related to the user's job change if the difference obtained by subtracting the future expenditure before the update from the future expenditure after the update is positive, and the difference decreases when the user changes their job. Therefore, the support server 200 can make suggestions such as changing jobs according to the user's status, thereby improving the user's quality of life (QoL) over the long term. For example, if a user is nearing retirement age, it is expected that changing to a job that is less physically demanding will reduce expenses associated with disease risk even if their lifetime income itself decreases. In such cases, the presentation control unit 214 can improve the user's QoL by suggesting a job change to the user.

[0142] Embodiment 3 Figure 7 is a block diagram showing another example of the support server according to this disclosure. The support server 300 differs from the support server 200 in that it further includes an AI providing unit 220. Hereinafter, the explanation of the support server 300 will be given with regard to elements and processes common to the support server 200, and will focus particularly on the differences compared to the support server 200.

[0143] The AI ​​provision unit 220 uses the generated AI model to generate a response to an inquiry from the user terminal UT and outputs the response to the user terminal UT. Specifically, the generated AI model is automatically input with information on future expenditures estimated in step S24 and updated in step S34.

[0144] However, the generating AI model may also be further inputted with disease risk information estimated in step S24 and disease risk information updated in step S34. Furthermore, the generating AI model may also be further inputted with monitoring information collected in step S32. Additionally, the generating AI model may be further inputted with basic user information. It is believed that by inputting more user information into the generating AI model, the model can output responses that are more in line with the user's situation.

[0145] Subsequently, the reception unit 202 receives inquiry information from the user terminal UT. The inquiry information may be sent from the user terminal UT in the form of a prompt, for example. The inquiry information may include content related to the user's life plan, such as maintaining health, purchasing insurance or financial products, or changing jobs. The AI ​​provision unit 220 inputs the received inquiry information into the generating AI model. The generating AI model outputs a response corresponding to the input inquiry information. For example, if an inquiry is made about maintaining health, the response may indicate improvements to the user's lifestyle habits, such as diet and exercise. Alternatively, the response may include content indicated by the information presented in any of the above steps S52, S54, or S60.

[0146] The AI ​​provisioning unit 220 enables the user to use the generated AI model by, for example, sending a link to the user terminal UT to access the generated AI model. The user can obtain an answer by clicking the link and entering a prompt at the access destination. The AI ​​provisioning unit 220 may also make the generated AI model available in the form of, for example, a chatbot.

[0147] Furthermore, the AI ​​provisioning unit 220 may be configured to include suggestions for using the functions of the generated AI model in the presented information if it is determined in step S38 that presented information should be generated. Also, the AI ​​provisioning unit 220 may be configured to include suggestions for using the functions of the generated AI model in the presented information in at least one of steps S52, S54, or S60. The presented information includes a link to access the generated AI model. In this case, the generated presented information may or may not include information related to health and insurance, information related to asset management, or information that encourages a change of job.

[0148] Furthermore, the AI ​​provider unit 220 may include information in the presented information to obtain the user's consent to use the functions of the generated AI model. For example, the presented information may include information about a link to be clicked when the user consents to use the functions of the generated AI model. By clicking the link, the user is enabled to use the generated AI model. At this time, after detecting that the link has been clicked, the AI ​​provider unit 220 may input the user's information to the generated AI model as described above. This is because, by the user explicitly consenting to the use of the generated AI model, it is considered that permission has been obtained for the user's information to be used by the generated AI model.

[0149] The generated AI model may be stored in the memory unit 218 or located outside the support server 300. Alternatively, the above functions may be implemented as an algorithm instead of the generated AI model. For example, the algorithm is input with respect to the future expenditure estimated in step S24 and the updated future expenditure information in step S34. Furthermore, the algorithm may be further input with respect to at least one of the following: the user's basic information, the disease risk information estimated in step S24, the updated disease risk information in step S34, or the monitoring information collected in step S32. The input user's basic information is, for example, information about the user's health. When the reception unit 202 receives inquiry information from the user terminal UT, the algorithm outputs a response corresponding to the input inquiry information.

[0150] [Explanation of Effects] As described above, the AI ​​provision unit 220 uses information about the user, such as future expenses, to provide answers to user inquiries. Therefore, the support server 300 can provide appropriate advice on life plans, etc., according to the user's situation.

[0151] Although the present disclosure has been described above with reference to embodiments, the present disclosure is not limited to the embodiments described above. Various modifications to the structure and details of the present disclosure can be made as can be understood by those skilled in the art within the scope of the present disclosure. Furthermore, each embodiment can be combined with other embodiments as appropriate.

[0152] For example, in (2A), the smartwatch SW may sample monitoring information at a predetermined interval. The smartwatch SW may also start sampling user monitoring information in an event-driven manner when it detects an event indicating a change in the user's state. The user's state is something that can be arbitrarily sampled as user monitoring information. Examples of changes in the user's state include sudden changes in the user's heart rate, electrocardiogram, respiratory rate, or body temperature, a decrease in blood oxygen saturation, and transitions in sleep states. The smartwatch SW detects an event indicating a change in the user's state when a value indicated by the monitored user's heart rate, electrocardiogram, respiratory rate, body temperature, blood oxygen saturation, or sleep duration falls above or below a predetermined threshold. The predetermined threshold may be a pre-determined threshold or a value of previously sampled monitoring information. Furthermore, the smartwatch SW may adaptively control the frequency of acquiring monitoring information so that it is low when the user's monitoring information value is within a first range, and high when the user's monitoring information value is within a second range. The first range is the range in which the user's state can be considered stable (i.e., healthy), and the second range is the range in which the user's state can be considered unstable.

[0153] The smartwatch SW may add a timestamp indicating the time the monitoring information was acquired to the monitoring information. When the data collection unit 204 of the support server 200 collects monitoring information from the smartwatch SW, it performs processing to correct for communication delays and time discrepancies in the timestamps added to the monitoring information. The data collection unit 204 then performs preprocessing of the corrected monitoring information, such as aggregation and normalization, based on a predetermined time window, and stores the preprocessed monitoring information in the storage unit 218. The update unit 212 performs the update processing shown in (2A) based on the preprocessed monitoring information.

[0154] The smartwatch SW may also add information indicating the wearing status of the smartwatch SW to the monitoring information. When the data acquisition unit 204 collects monitoring information, it uses at least one of the following—information indicating the wearing status, or missing or outlier values ​​in the collected monitoring information—to assign a quality index to the collected monitoring information and store it in the storage unit 218. The quality index is a flag indicating the superiority or inferiority of quality in two or more stages, or a numerical value representing the reliability of the quality. When the update unit 212 performs update processing, it may decide whether or not to use each piece of user monitoring information stored in the storage unit 218 and to which a quality index has been assigned, based on the quality index of each piece of information. Alternatively, the update unit 212 may decide on the weighting of each piece of information to use in the update processing based on the quality index of each piece of user monitoring information stored.

[0155] Furthermore, in order to reduce communication volume or power consumption, the smartwatch SW may periodically transmit a summary value of monitoring information, and if the monitoring information meets predetermined conditions, it may additionally transmit detailed monitoring information shown in a time series. The summary value of monitoring information may be, for example, the mean, variance, maximum / minimum, and change amount of the monitoring information. The monitoring information meeting predetermined conditions means, for example, that the numerical value of the monitoring information, or the change amount between the numerical value of the monitoring information at one time and the numerical value of the monitoring information at another time, exceeds a predetermined threshold. The setting unit 210 may determine the above monitoring information transmission settings of the smartwatch SW automatically or according to setting information transmitted from the user terminal UT. The setting unit 210 transmits the determined settings to the smartwatch SW via the transmission unit 216. The smartwatch SW samples the monitoring information as described above using the transmitted settings. The data collection unit 204 acquires the summary value or detailed monitoring information transmitted from the smartwatch SW. The update unit 212 performs the update processing shown in (2A) based on the acquired detailed monitoring information, or the summary value and detailed monitoring information.

[0156] The setting unit 210 may automatically determine the settings for the smartwatch SW to sample monitoring information as described above, or in accordance with setting information transmitted from the user terminal UT. The setting unit 210 transmits the determined settings to the smartwatch SW via the transmission unit 216. The smartwatch SW samples monitoring information as described above using the transmitted settings. The data acquisition unit 204 collects the sampled monitoring information in step S32.

[0157] Alternatively, the components of the support server 200 or 300 may be installed on the user terminal UT instead of the support server 200 or 300. In this case, the user terminal UT can perform the processing shown in Embodiment 2 or 3 in a standalone manner. The notification content determined by the user terminal UT is displayed, for example, on the display unit of the terminal UT.

[0158] In embodiments 1 to 3 described above, the present disclosure has been described as a hardware configuration. However, the configuration of the present disclosure is not limited to a hardware configuration. The processing of the information processing apparatus or system described in the embodiments above can also be achieved by having a processor in a computer execute a computer program.

[0159] Figure 8 is a block diagram showing an example of the hardware configuration of an information processing device (in other words, a computer) on which the processing described in this disclosure is performed. Referring to Figure 8, the information processing device 90 includes a signal processing circuit 91, a processor 92, and a memory 93.

[0160] The signal processing circuit 91 is a circuit for processing signals in accordance with the control of the processor 92. The signal processing circuit 91 may also include a communication circuit for transmitting or receiving signals from other devices.

[0161] The processor 92 is connected to the memory 93 and performs the system processing described in the above embodiment by reading and executing computer programs from the memory 93. As an example of the processor 92, one of the following may be used: CPU (Central Processing Unit), MPU (Micro Processing Unit), FPGA (Field-Programmable Gate Array), DSP (Digital Signal Processor), or ASIC (Application Specific Integrated Circuit). Alternatively, multiple CPUs, MPUs, FPGAs, DSPs, and ASICs may be used in parallel as the processor 92.

[0162] The memory 93 is composed of volatile memory, non-volatile memory, or a combination of volatile and non-volatile memory. There is not limited to one memory 93, but multiple memory 93s may be provided. The volatile memory may be, for example, RAM (Random Access Memory) such as DRAM (Dynamic Random Access Memory) or SRAM (Static Random Access Memory). The non-volatile memory may be, for example, ROM (Read Only Memory) such as PROM (Programmable Random Only Memory) or EPROM (Erasable Programmable Read Only Memory), flash memory, or SSD (Solid State Drive).

[0163] Memory 93 is used to store one or more instructions. Here, one or more instructions are stored in memory 93 as a program. The processor 92 can perform the processing described in the above embodiment by reading the stored program from memory 93 and executing it.

[0164] The memory 93 may include not only memory located outside the processor 92, but also memory built into the processor 92. Furthermore, the memory 93 may include storage located separately from the processors that make up the processor 92. In this case, the processor 92 can access the memory 93 via an I / O (Input / Output) interface.

[0165] As described above, one or more processors in each system or device of the above embodiments execute one or more programs including a set of instructions. The set of instructions is a set of instructions for causing the computer to perform the algorithm described with reference to the drawings. By executing the program, the information processing described in each embodiment can be realized.

[0166] The program, when loaded into a computer, includes a set of instructions or software code for causing the computer to perform one or more of the functions described in the embodiments. The program may be stored on a non-temporary computer-readable medium or a physical storage medium. Examples, but not limited to, include memory technologies such as random-access memory (RAM), read-only memory (ROM), flash memory, and solid-state drives (SSDs). The computer-readable medium or physical storage medium may also include optical disc storage such as compact disc read-only memory (CD-ROM), digital versatile disk (DVD), and Blu-ray® discs. Furthermore, the computer-readable medium or physical storage medium may also include magnetic cassettes, magnetic tapes, magnetic disk storage, and magnetic storage devices. The program may be transmitted over a temporary computer-readable medium or a communication medium. Examples, but not limited to, include propagating signals in electrical, optical, and acoustic forms. Temporary computer-readable media or communication media can supply programs to a computer via wired communication channels such as electric wires and optical fibers, or via wireless communication channels.

[0167] Some or all of the above embodiments may also be described as follows, but are not limited to the following: (Note 1) An information processing device comprising: estimation means for estimating future expenditures based on user information; acquisition means for acquiring monitoring information monitored about the user's health; update means for updating the future expenditures based on the monitoring information; and notification means for providing notifications in accordance with the future expenditures before and after the update. (Note 2) The information processing device according to Note 1, further comprising: request means for requesting input of a lifestyle plan in accordance with the future expenditures before and after the update. (Note 3) The information processing device according to Note 1 or 2, wherein the notification means changes whether or not to provide a notification, the content of the notification, or the recipient of the notification in accordance with the future expenditures before and after the update. (Note 4) The information processing device according to Note 3, wherein the notification means changes whether or not to transmit at least a portion of the monitoring information to at least one of a medical institution, a social welfare facility, or a fitness facility in accordance with the future expenditures before and after the update. (Note 5) The information processing device according to Note 3 or 4, wherein the notification means changes whether to make a notification, the content of the notification, or the recipient of the notification, depending on whether at least one of the following is greater than or equal to a predetermined threshold: the difference obtained by subtracting the future expenditure before the update from the future expenditure after the update, or the difference obtained by subtracting the user's assets based on the future expenditure before the update from the user's assets based on the future expenditure after the update. (Note 6) The information processing device according to Note 5, wherein the notification means selects whether the content of the notification relates to at least one of the user's health or insurance, or whether the content of the notification relates to the user's asset management, depending on whether the difference value is greater than or equal to the predetermined threshold. (Note 7) The information processing device according to Note 5 or 6, wherein the notification means makes the content of the notification related to the change of the user's work when the difference value is positive and the difference value decreases when the user's work is changed.(Note 8) The information processing device according to any one of Notes 3 to 7, wherein the notification means changes whether or not to recommend a visit to a medical institution in the notification, which medical institution to recommend a visit to in the notification, or the manner of visiting the medical institution recommended in the notification, depending on the future expenditure before the update and the future expenditure after the update. (Note 9) The information processing device according to any one of Notes 3 to 8, wherein the notification means further uses the monitoring information to change whether or not to make a notification, the content of the notification, or the recipient of the notification, or (Note 11) The information processing apparatus according to any one of Notes 1 to 10, wherein the estimation means calculates the user's risk of injury or illness based on the user's information, estimates the future expenditure based on the calculated risk of injury or illness, and the update means updates the user's risk of injury or illness based on the monitoring information, and updates the future expenditure based on the updated risk of injury or illness. (Note 12) The information processing apparatus according to Note 11, wherein the notification means further notifies the updated risk of injury or illness. (Note 13) An information processing method performed by a computer, which estimates future expenditure based on user information, obtains monitoring information that has been monitored regarding the user's health, updates the future expenditure based on the monitoring information, and provides notifications according to the future expenditure before and after the update. (Note 14) A program that causes a computer to perform the following: estimate future expenditure based on user information, obtain monitoring information that has been monitored regarding the user's health, update the future expenditure based on the monitoring information, and provide notifications according to the future expenditure before and after the update.

[0168] Some or all of the elements (e.g., configuration and function) described in Appendices 2 to 12 that are dependent on Appendice 1 may also be dependent on Appendices 13 and 14 in the same manner as those described in Appendices 2 to 12. Some or all of the elements described in any appendice may be applied to various hardware, software, recording means, systems, and methods for recording software.

[0169] Although the present disclosure has been described above with reference to embodiments, the present disclosure is not limited to the embodiments described above. Various modifications to the structure and details of the present disclosure can be made as can be understood by those skilled in the art within the scope of the present disclosure. Furthermore, each embodiment can be combined with other embodiments as appropriate.

[0170] This application claims priority based on Japanese Patent Application No. 2025-024773, filed on 19 February 2025, and incorporates all of its disclosures herein.

[0171] 100 Information Processing Device 102 Estimation Unit 104 Acquisition Unit 106 Update Unit 108 Notification Unit S Notification System SW Smartwatch UT User Terminal MS Management Server 200, 300 Support Server 202 Reception Unit 204 Data Acquisition Unit 206 Estimation Unit 208 Report Generation Unit 210 Setting Unit 212 Update Unit 214 Presentation Control Unit 216 Transmission Unit 218 Storage Unit 220 AI Provision Unit

Claims

1. An information processing apparatus comprising: estimation means for estimating future expenditures based on user information; acquisition means for acquiring monitoring information monitored regarding the user's health; update means for updating the future expenditures based on the monitoring information; and notification means for providing notifications according to the future expenditures before and after the update.

2. The information processing apparatus according to claim 1, further comprising a request means for requesting input of a lifestyle plan in accordance with the future expenditures before and after the update.

3. The information processing apparatus according to claim 1 or 2, wherein the notification means changes whether or not to make a notification, the content of the notification, or the recipient of the notification, depending on the future expenditure before the update and the future expenditure after the update.

4. The information processing apparatus according to claim 3, wherein the notification means changes whether or not to transmit at least a portion of the monitoring information to at least one of a medical institution, a social welfare facility, or a fitness facility, depending on the future expenditure before the update and the future expenditure after the update.

5. The information processing apparatus according to claim 3 or 4, wherein the notification means changes whether or not to make a notification, the content of the notification, or the recipient of the notification, depending on whether or not at least one of the following is greater than or equal to a predetermined threshold: the difference obtained by subtracting the future expenditure before the update from the future expenditure after the update, or the difference obtained by subtracting the user's assets based on the future expenditure before the update from the user's assets based on the future expenditure after the update.

6. The information processing apparatus according to claim 5, wherein the notification means selects whether the content of the notification relates to at least one of the user's health or insurance, or whether the content of the notification relates to the user's asset management, depending on whether the value of the difference is greater than or equal to a predetermined threshold.

7. The information processing apparatus according to claim 5 or 6, wherein the notification means, when the difference value is positive and the difference value decreases when the user's work is changed, provides a notification relating to a change in the user's work.

8. The information processing apparatus according to any one of claims 3 to 7, wherein the notification means changes whether or not to recommend a visit to a medical institution in the notification, which medical institution to recommend a visit to in the notification, or the manner of visiting a medical institution recommended in the notification, in accordance with the future expenditure before the update and the future expenditure after the update.

9. The information processing apparatus according to any one of claims 3 to 8, wherein the notification means further uses the monitoring information to change whether or not to make a notification, the content of the notification, or the recipient of the notification.

10. The information processing apparatus according to any one of claims 1 to 9, wherein the estimation means estimates the future expenditure based on user information, including information regarding the user's insurance, and the update means updates the future expenditure based on the monitoring information and information regarding the user's insurance.

11. The information processing apparatus according to any one of claims 1 to 10, wherein the estimation means calculates the user's injury and illness risk based on the user's information, estimates the future expenditure based on the calculated injury and illness risk, and the update means updates the user's injury and illness risk based on the monitoring information, and updates the future expenditure based on the updated injury and illness risk.

12. The information processing apparatus according to claim 11, wherein the notification means further notifies the updated injury / illness risk.

13. A computer-based information processing method comprising: estimating future expenditures based on user information; obtaining monitoring information about the user's health; updating the future expenditures based on the monitoring information; and providing notifications according to the future expenditures before and after the update.

14. A program that causes a computer to perform the following actions: estimate future spending based on user information; obtain monitoring information about the user's health; update the future spending based on the monitoring information; and provide notifications according to the future spending before and after the update.

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