JP2024062403A - Customer Information System - Google Patents

Abstract

To provide a customer information system that can transmit a customer's future prediction information input to a simulation terminal to a future prediction information browsing server and allow a reader to browse the future prediction information.SOLUTION: In a customer information system, a simulation terminal has a customer registration unit that registers a customer, a future prediction information input receiving unit that receives input of future prediction information, a future prediction information holding unit that holds the future prediction information, a simulation unit that performs simulation based on the input future prediction information, a simulation result output unit that outputs a result of simulation, and a future prediction information output unit that outputs the future prediction information. A future prediction information browsing server has a future prediction information acquisition unit that acquires the future prediction information, a future prediction information storage unit that stores the future prediction information, a reader registration unit that registers a reader, a browsing request receiving unit that receives a browsing request, a browsing request determination unit that determines whether to permit browsing, and a future prediction information browsing unit that allows the reader to browse the future prediction information.SELECTED DRAWING: Figure 1

Description

The present invention relates to a customer information system that acquires various information related to a customer's current and future assets and enables financial service providers and/or customers to view and manage the acquired customer information.

For financial service providers, personal information such as customers' family composition, place of employment, income, expenses, financial asset holdings, and housing situation is extremely important information when selling financial products.
Conventionally, when a customer comes to consult with a financial service provider, the clerk at the counter will interview the customer, take notes on what he or she has heard in a notebook or other document, and then use the notes as a reference when proposing financial products.

This kind of information is kept as the sales information of the sales representative only and is difficult to share with other sales representatives. For example, if a sales representative is transferred or resigns, there may be cases where the information is not handed over properly, causing inconvenience to customers.

As a prior art that focuses on the above problems, as disclosed in Patent Document 1, a counter terminal installed at a consultation counter, a base terminal installed at a sales base, and a customer management device are connected via a network, and the customer management device is composed of a customer information database that stores customer information, a base staff database that stores base staff information, an input/output unit that creates a display screen on which new customer information can be input and sends it to the counter terminal, creates a display screen on which customer information corresponding to received identification information can be updated and sends it to the base terminal, and receives customer information, a search unit that searches for customer information corresponding to the identification information and base staff information whose address and jurisdiction match those of the customer information, and a storage unit that stores the customer information in the customer information database and adds the base staff information searched for by the search unit to the customer information, and this customer management system shares customer information entered by the counter staff with the sales staff.

JP2006-293510

However, the information required by financial service providers is personal information such as the customer's family structure, place of employment, income, expenses, financial asset holdings, and housing situation, and is not easily obtained at the counter. In addition, some customers may be reluctant to provide such personal information.

In light of this situation, the present invention aims to provide a customer information system that lowers the barrier to obtaining personal information that is difficult to obtain from customers and eliminates the hassle of inputting customer information.

The present invention provides a customer information system that transmits future forecast information entered into a simulation terminal by a corporate employee or a customer to a future forecast information viewing server, and allows viewing by viewers with viewing authority.

Specifically, the first invention includes a customer registration unit that registers a customer in association with a customer identifier, a future forecast information input reception unit that can repeatedly receive, in association with a customer identifier, input information in which future forecast information, which is information for simulating future changes in income, expenditure, and assets of a person who shares the same household as the registered customer (which may be the customer alone), is inputted and can be viewed from a future forecast information input screen, a future forecast information storage unit that stores the received future forecast information in association with the customer identifier based on the reception of a storage command, a simulation unit that performs a simulation based on the reception of a simulation command using a simulation command reception icon (including but not limited to various button images and various check boxes, etc.) that can be viewed simultaneously with the future forecast information input screen to display future changes in income, expenditure, and assets of a family based on the input future forecast information, and a simulation result display unit that outputs the results of the simulation. A customer information system is provided that includes a simulation terminal having an output unit and a future prediction information output unit that outputs the stored future prediction information in association with a customer identifier based on the reception of a link command, a future prediction information acquisition unit that acquires the output future prediction information in association with the customer identifier, a future prediction information storage unit that stores the acquired future prediction information in association with the customer identifier, a viewer registration unit that registers viewers who can view the future prediction information in association with the viewer identifier, a view request acceptance unit that accepts a view request from a viewer in association with the customer identifier, a view request determination unit that determines whether to permit the received view request, and a future prediction information viewing unit that allows the viewer to view the future prediction information associated with the customer identifier related to the request stored in the future prediction information storage unit when the judgment result of the view request is that the view request is permitted.

As a second invention, in addition to the above configuration, a customer information system is provided in which the future prediction information viewing server further includes a personal identification information input receiving unit that receives input of the customer's personal identification information in association with the future prediction information stored in association with the customer identifier, and a personal identification information storage unit that stores the received personal identification information in association with the customer identifier.

As a third invention, in addition to the above configuration, the future prediction information viewing server further includes a future prediction information output request receiving unit that receives a future prediction information output request, which is a request to output the accumulated future prediction information to a simulation terminal, and a future prediction information output unit that outputs the accumulated future prediction information to the simulation terminal that made the request based on the received future prediction information output request, and the simulation terminal further includes a future prediction information output request output unit that outputs a future prediction information output request, which is a request to output future prediction information to the future prediction information viewing server, a future prediction information acquisition unit that acquires the future prediction information output by the future prediction information viewing server in response to the output future prediction information output request, and a future prediction information storage unit that stores the acquired future prediction information in a future prediction information storage unit so that it can be used in simulations.

As a fourth invention, in addition to the above configuration, the future prediction information viewing server provides a customer information system further having a future prediction information editing request receiving unit that receives a request to edit future prediction information in association with authority information that is information indicating authority, an editing authority determination unit that determines whether to approve the editing of the future prediction information based on the authority information, and an editing unit that allows the editing of the future prediction information when the result of the determination by the editing authority determination unit is that the editing is approved.

As a fifth invention, in addition to the above configuration, the customer information system further includes an edit tolerance information storage unit that stores edit tolerance information, which is information that associates the type of authority information with information indicating the range of edits permitted, and an edit permission range control unit that controls the range of edits permitted by the editing unit based on the edit tolerance information when the result of the judgment by the editing authority judgment unit is that editing is permitted, in the future prediction information viewing server, in which the authority information has multiple types of authority depending on the range of edits permitted.

As a sixth invention, in addition to the above configuration, a customer information system is provided in which the future prediction information viewing server further includes an editing update history information storage unit that stores editing update history information, which is information indicating the editing update history in the editing unit, and an editing update history information output unit that outputs the stored editing update history information.

As a seventh invention, in addition to the above configuration, a customer information system is provided in which the future prediction information viewing server further has a viewable range control unit that controls the restriction of the viewable range that can be viewed by the future prediction information viewing unit according to the viewer, the viewing request receiving unit has a viewing request receiving means with viewable range information that associates viewable range information, which is information indicating the viewable range, with the viewing request and receives the viewing request, and the viewing request determination unit has a future prediction information viewing control unit that controls the future prediction information viewing unit based on the viewable range information associated with the received viewing request when the determination result of whether to permit the viewing request is that the viewing request is permitted.

As an eighth invention, in addition to the above configuration, the future prediction information viewing server provides a customer information system further having a search key acquisition unit that acquires a search key that is a key for searching future prediction information stored in the storage unit, a future prediction information search unit that searches for future prediction information based on the acquired search key, and a future prediction information search result output unit that outputs the search results in the future prediction information search unit.

As a ninth invention, in addition to the above configuration, a customer information system is provided in which the future prediction information viewing server further includes a search key acquisition rule storage unit that stores search key acquisition rules, and a search key acquisition control unit that causes the search key acquisition unit to acquire a search key based on the stored search key acquisition rules.

As a tenth invention, in addition to the above configuration, a customer information system is provided in which the future prediction information viewing server has a time information acquisition unit that acquires time information, and the search key stored in the search key acquisition rule storage unit includes a search key that uses information indicating the time until an event occurs based on the acquired time information.

As an eleventh invention, in addition to the above configuration, a customer information system is provided in which the future forecast information includes, for each customer, one or more pieces of information on the type of financial assets, the value of the financial assets, and the provider of financial asset services, and the search key acquisition rules stored in the search key acquisition rule storage unit include rules for performing searches based on one or more of these pieces of information.

As a twelfth invention, in addition to the above configuration, a customer information system is provided having an automatic output means for automatically executing a future forecast information search unit based on search key acquisition rules stored in a search key acquisition rule storage unit, and for automatically outputting future forecast information searched as a result of the execution of the future forecast information search unit based on predetermined rules.

As a thirteenth invention, in addition to the above configuration, a customer information system is provided in which the future prediction information storage unit is provided with an automatic information sorting means for automatically sorting future prediction information based on a customer identifier associated with the acquired future prediction information.

As a fourteenth invention, in addition to the above configuration, a customer information system is provided that has a personal identification information input unit that inputs customer information of a customer system owned by one or more other corporations as the customer's personal identification information via an API or the like, and a personal identification information output unit that outputs the customer's personal identification information stored in the personal identification information storage unit to the customer system owned by one or more other corporations via an API or the like.

As a fifteenth invention, in addition to the above configuration, there are provided a customer registration step for registering a customer in association with a customer identifier, a future forecast information input reception step for repeatedly receiving, in association with a customer identifier, input information in which future forecast information, which is information for simulating future changes in income, expenditure, and assets of a person who shares the same household as the registered customer (which may be the customer alone), is inputted and viewable from a future forecast information input screen, a future forecast information retention step for retaining the received future forecast information in association with the customer identifier based on the reception of a retention command, a simulation step for simulating future changes in income, expenditure, and assets of a family based on the input future forecast information, based on the reception of a simulation command using a simulation command reception icon (including but not limited to various button images and various check boxes, etc.) that can be viewed simultaneously with the future forecast information input screen, a simulation result output step for outputting the results of the simulation, and the retained information. The present invention provides an operating method for a customer information system that is a computer including a future prediction information viewing server that includes a simulation terminal having a future prediction information output step of outputting future prediction information associated with a customer identifier based on the reception of a link command, a future prediction information acquisition step of acquiring the output future prediction information in association with a customer identifier, a future prediction information storage step of storing the acquired future prediction information in association with the customer identifier, a viewer registration step of registering a viewer who can view the future prediction information in association with a viewer identifier, a view request acceptance step of accepting a view request from a viewer in association with a customer identifier, a view request judgment step of judging whether to permit the received view request, and a future prediction information viewing step of viewing the future prediction information associated with the customer identifier related to the request stored in the future prediction information storage unit when the judgment result of the view request is that the view request is permitted.

As a sixteenth invention, in addition to the above configuration, the present invention further includes a customer registration step of registering a customer in association with a customer identifier, a future prediction information input reception step capable of repeatedly receiving input information in association with the customer identifier from a future prediction information input screen on which future prediction information, which is information for simulating future changes in income, expenditure, and assets of a person who shares the same household as the registered customer (which may be the customer alone), is input and viewable, a future prediction information holding step of holding the received future prediction information in association with the customer identifier based on the reception of a holding command, a simulation step of simulating future changes in income, expenditure, and assets of a family based on the input future prediction information based on the reception of a simulation command using a simulation command reception icon (including but not limited to various button images and various check boxes) on which the future prediction information input screen can be simultaneously viewed, and a simulation result. a simulation terminal having a simulation result output step of outputting a simulation result and a future prediction information output step of outputting the held future prediction information in association with a customer identifier based on the reception of a link command; a future prediction information acquisition step of acquiring the output future prediction information in association with the customer identifier; a future prediction information storage step of storing the acquired future prediction information in association with the customer identifier; a viewer registration step of registering a viewer who can view the future prediction information in association with a viewer identifier; a view request acceptance step of accepting a view request from a viewer in association with the customer identifier; a view request judgment step of judging whether to permit the received view request; and a future prediction information viewing step of viewing the future prediction information associated with the customer identifier related to the request stored in the future prediction information storage unit when the judgment result of the view request is that the view request is permitted;
and a future prediction information browsing server having the above-mentioned configuration and a customer information system operation program written in a readable and executable manner for the customer information system, the customer information system being a computer comprising the above-mentioned configuration and a future prediction information browsing server having the above-mentioned configuration and

The customer information system of the present invention has the excellent effect of generating customer management information from information related to life plans entered by customers and/or customer sales representatives of financial institutions, etc.

FIG. 1 shows an overview of a customer information system according to the present invention. Basic hardware configuration diagram FIG. 1 is a block diagram showing a functional configuration of a simulation terminal of a customer information system according to a first embodiment. FIG. 1 is a block diagram showing the functional configuration of a future prediction information viewing server of a customer information system according to a first embodiment. A diagram showing an example of a customer registration screen FIG. 13 is a diagram showing an example of a family structure input screen for future prediction information; FIG. 13 is a diagram showing an example of an income input screen for future forecast information; FIG. 13 is a diagram showing an example of an expenditure input screen for future forecast information; FIG. 13 is a diagram showing an example of an input screen for educational expenses for future forecast information A diagram showing an example of a screen for inputting financial assets for future forecast information A diagram showing an example of a simulation result FIG. 13 is a diagram showing an example of a customer selection screen. A diagram showing an example of a customer information display screen. FIG. 13 is a diagram showing an example of a screen displaying a balance status. FIG. 13 is a diagram showing an example of an asset status display screen. FIG. 13 is a diagram showing an example of a life event display screen. FIG. 1 is a diagram showing a hardware configuration of a simulation terminal of a customer information system according to a first embodiment. FIG. 1 is a diagram showing a hardware configuration of a future prediction information viewing server of a customer information system according to a first embodiment. A flowchart showing the process flow of a control method for a simulation terminal of the customer information system according to the first embodiment. A flowchart showing the flow of a process of a control method for a future prediction information browsing server of a customer information system according to the first embodiment. FIG. 11 is a block diagram showing the functional configuration of a future prediction information viewing server of a customer information system according to a second embodiment. FIG. 13 is a diagram showing an example of a personal identification information input screen. FIG. 13 is a diagram showing the hardware configuration of a future prediction information viewing server of a customer information system according to a second embodiment. A flowchart showing the flow of a process of a control method for a future prediction information browsing server of a customer information system according to a second embodiment. FIG. 11 is a block diagram showing the functional configuration of a simulation terminal of a customer information system according to a third embodiment. FIG. 11 is a block diagram showing the functional configuration of a future prediction information viewing server of a customer information system according to a third embodiment. FIG. 13 is a diagram showing an example of a future prediction information acquisition confirmation screen. FIG. 13 is a diagram showing the hardware configuration of a simulation terminal of a customer information system according to a third embodiment. FIG. 13 is a diagram showing the hardware configuration of a future prediction information viewing server of a customer information system according to a third embodiment. A flowchart showing the process flow of a control method for a simulation terminal of a customer information system according to a third embodiment. A flowchart showing the flow of processing of a control method for a future prediction information browsing server of a customer information system according to a third embodiment. FIG. 13 is a block diagram showing the functional configuration of a future prediction information viewing server of the customer information system according to the fourth embodiment. A diagram showing an example of a future forecast information editing screen (before editing) A diagram showing an example of a future forecast information editing screen (after editing) FIG. 13 is a block diagram showing the hardware configuration of a future prediction information viewing server of the customer information system according to the fourth embodiment. A flowchart showing the flow of a process of a control method for a future prediction information browsing server of a customer information system according to a fourth embodiment. FIG. 13 is a block diagram showing the functional configuration of a future prediction information viewing server of a customer information system according to a fifth embodiment. FIG. 13 is a block diagram showing the hardware configuration of a future prediction information viewing server of the customer information system of the fifth embodiment. A flowchart showing the flow of processing of a control method for a future prediction information browsing server of a customer information system according to a fifth embodiment. FIG. 13 is a block diagram showing the functional configuration of a future prediction information viewing server of a customer information system according to a sixth embodiment. FIG. 13 is a block diagram showing the hardware configuration of a future prediction information viewing server of a customer information system according to a sixth embodiment. A flowchart showing the flow of a process of a control method for a future prediction information browsing server of a customer information system according to a sixth embodiment. FIG. 13 is a block diagram showing the functional configuration of a future prediction information viewing server of a customer information system according to a seventh embodiment. FIG. 13 is a block diagram showing the hardware configuration of a future prediction information viewing server of the customer information system of the seventh embodiment. A flowchart showing the flow of processing of a control method for a future prediction information browsing server of a customer information system according to a seventh embodiment. FIG. 13 is a block diagram showing the functional configuration of a future prediction information viewing server of a customer information system according to an eighth embodiment. FIG. 13 is a block diagram showing the hardware configuration of a future prediction information viewing server of the customer information system of the eighth embodiment. A flowchart showing the flow of processing of a control method for a future prediction information browsing server of a customer information system according to an eighth embodiment. FIG. 13 is a block diagram showing the functional configuration of a future prediction information viewing server of a customer information system according to a ninth embodiment. FIG. 13 is a block diagram showing the hardware configuration of a future prediction information viewing server of the customer information system of the ninth embodiment. A flowchart showing the flow of processing of a control method for a future prediction information browsing server of a customer information system according to a ninth embodiment. FIG. 23 is a block diagram showing the functional configuration of a future prediction information viewing server of a customer information system according to a tenth embodiment. FIG. 23 is a block diagram showing the hardware configuration of a future prediction information viewing server of the customer information system of the tenth embodiment. A flowchart showing the flow of processing of a control method for a future prediction information browsing server of a customer information system according to a tenth embodiment. FIG. 12 is a block diagram showing the functional configuration of a future prediction information viewing server of a customer information system according to a twelfth embodiment. FIG. 12 is a block diagram showing the hardware configuration of a future prediction information viewing server of a customer information system according to a twelfth embodiment. A flowchart showing the flow of processing of a control method for a future prediction information browsing server of a customer information system according to a twelfth embodiment. FIG. 23 is a diagram showing the functional configuration of a future prediction information viewing server of a customer information system according to a thirteenth embodiment. FIG. 23 is a diagram showing the hardware configuration of a future prediction information viewing server of a customer information system according to a thirteenth embodiment. FIG. 23 is a diagram showing a process flow when a future prediction information viewing server of the customer information system of the thirteenth embodiment is used. FIG. 23 is a diagram showing the functional configuration of a future prediction information viewing server of a customer information system according to a fourteenth embodiment. FIG. 23 is a diagram showing the hardware configuration of a future prediction information viewing server of a customer information system according to a fourteenth embodiment. FIG. 23 is a diagram showing a process flow when a future prediction information viewing server of the customer information system of the fourteenth embodiment is used.

<Hardware that can configure the present invention>
FIG. 2 is a diagram showing a basic hardware configuration applied to the present invention.
The present invention is in principle an invention that utilizes an electronic computer, but it can also be realized by software, hardware, or the cooperation of software and hardware. The hardware that realizes all or part of each component of the present invention is composed of the basic components of a computer, such as a CPU, memory, bus, input/output devices, various peripheral devices, and a user interface. The various peripheral devices include storage devices, internet interfaces, internet devices, displays, keyboards, mice, speakers, cameras, videos, televisions, various sensors for grasping the production status in laboratories or factories (flow rate sensors, temperature sensors, weight sensors, liquid volume sensors, infrared sensors, shipment counters, package counters, foreign body inspection devices, defective product counters, radiation inspection devices, surface condition inspection devices, circuit inspection devices, human presence sensors, worker work status grasping devices (video, ID, PC work volume, etc.)), CD devices, DVD devices, Blu-ray devices, USB memories, USB memory interfaces, removable hard disks, general hard disks, projector devices, SSDs, telephones, fax machines, copy machines, printers, movie editing devices, various sensor devices, etc. In addition, the present system does not necessarily have to be configured by one housing, and may be configured by connecting multiple housings via communication. In addition, the communication may be LAN, WAN, WiFi (registered trademark), Bluetooth (registered trademark), infrared communication, or ultrasonic communication, and further, some of them may be installed across borders. Furthermore, each of the multiple housings may be operated by a different entity, or may be operated by a single entity. The operating entity of the system of the present invention may be single or multiple. The invention can also be configured as a system including a terminal used by a third party in addition to the present system, and a terminal used by another third party. These terminals may also be installed across borders. Furthermore, in addition to the present system and the terminals, a device used to register related information of a third party, a device used for a database to record the contents of registration, etc. may be prepared. These may be provided in the present system, or may be provided outside the present system to make such information available and configure the present system.

As shown in this diagram, the computer is composed of a chipset, CPU, non-volatile memory, main memory, various buses, BIOS, various interfaces such as USB, HDMI (registered trademark) and LAN, a real-time clock, etc., which are configured on a motherboard. These operate in cooperation with an operating system, device drivers (for various interfaces such as USB and HDMI (registered trademark), cameras, microphones, speakers or headphones, displays, and other built-in devices), various programs, etc. The various programs and data that make up the present invention are configured to efficiently utilize these hardware resources to execute various processes.

Chipset
A "chipset" is a set of large-scale integrated circuits (LSIs) mounted on a computer's motherboard that integrates a communication function between the CPU's external bus and the standard bus that connects memory and peripheral devices, in other words, a bridge function. There are cases where a two-chipset configuration is used, and cases where a one-chipset configuration is used. The side closest to the CPU and main memory is called the north bridge, and the side farther away is called the south bridge, which interfaces with the relatively slow external I/O.

(North Bridge)
The north bridge includes a CPU interface, a memory controller, and a graphics interface. Most of the functions of a conventional north bridge may be performed by the CPU. The north bridge is connected to the memory slot of the main memory via a memory bus, and is connected to the graphics card slot of the graphics card via a high-speed graphics bus (AGP, PCI Express).

(South Bridge)
The south bridge is connected to the PCI interface (PCI slot) via a PCI bus, and is responsible for I/O functions and sound functions with the ATA (SATA) interface, USB interface, Ethernet interface, etc. Incorporating circuits that support PS/2 ports, floppy disk drives, serial ports, parallel ports, and ISA buses, which do not require or are impossible to operate at high speed, will hinder the speed of the chipset itself, so they may be separated from the south bridge chip and placed in a separate LSI called a super I/O chip. A bus is used to connect the CPU (MPU) to peripheral devices and various control units. The bus is connected by the chipset. The memory bus used to connect to the main memory may instead adopt a channel structure to increase speed. A serial bus or a parallel bus can be used as the bus. While a serial bus transfers data one bit at a time, a parallel bus transmits the original data itself or multiple bits extracted from the original data as a single block and transmits it simultaneously over multiple communication paths. A dedicated line for the clock signal is set up in parallel with the data line to synchronize the data demodulation on the receiving side. It is also used as a bus to connect the CPU (chipset) to external devices, and includes GPIB, IDE/(Parallel) ATA, SCSI, PCI, etc. Since there is a limit to how fast it can be made, in PCI Express, an improved version of PCI, and Serial ATA, an improved version of Parallel ATA, the data line can be a serial bus.

<CPU>
The CPU sequentially reads, interprets, and executes a series of instructions called a program on the main memory, and outputs information consisting of signals to the main memory. The CPU functions as the center of calculations in a computer. The CPU is composed of a CPU core part, which is the center of calculations, and its peripheral parts, and includes a register, a cache memory, an internal bus connecting the cache memory and the CPU core, a DMA controller, a timer, and an interface with a connection bus to a north bridge. A single CPU (chip) may have multiple CPU cores. In addition to the CPU, processing may be performed by a graphic interface (GPU) or FPU. The embodiment is described as a two-core type, but is not limited to this. A program may also be built into the CPU.

<Non-volatile memory>
(HDD)
The basic structure of a hard disk drive consists of a magnetic disk, a magnetic head, and an arm on which the magnetic head is mounted. The external interface can be SATA (previously ATA). A high-performance controller, such as SCSI, is used to support communication between hard disk drives. For example, when copying a file to another hard disk drive, the controller can read the sectors and transfer them to the other hard disk drive for writing. At this time, the host CPU's memory is not accessed. Therefore, the load on the CPU is not increased.

<Main memory>
The CPU directly accesses and executes various programs in the main memory. The main memory is a volatile memory, and DRAM is used. The programs in the main memory are loaded from the non-volatile memory to the main memory upon receiving a program start command. The CPU then executes the program according to various execution commands and execution procedures within the program.
In addition, in Fig. 2, for the sake of simplicity, the main memory is simply illustrated, but the same programs and data stored in the non-volatile memory are also stored in the main memory. The same applies to the subsequent drawings showing the hardware configuration in each embodiment.

<<Operating System (OS)>>
An operating system is used to manage the resources available to applications on a computer, to manage various device drivers, and to manage the computer itself (the hardware). In small computers, firmware may be used as the operating system.

<BIOS>
The BIOS causes the CPU to execute procedures for starting up the computer hardware and running the operating system, and is most typically the hardware that the CPU reads first when it receives a computer startup command. The address of the operating system stored on the disk (non-volatile memory) is written here, and the operating system is sequentially loaded into the main memory by the BIOS loaded into the CPU and becomes operational. The BIOS also has a check function for checking the presence or absence of various devices connected to the bus. The check results are stored in the main memory and are made available by the operating system as appropriate. The BIOS may be configured to check external devices, etc. The above is the same in all embodiments.

As shown in the figure, the present invention can basically be configured with a general-purpose computer program and various devices. The computer basically operates by loading a program recorded in non-volatile memory into main memory, and then executing processing using the main memory, CPU, and various devices. Communication with devices is performed via an interface connected to a bus line. Possible interfaces include a display interface, a keyboard, and a communication buffer. Below, an embodiment of the present invention will be described with reference to the illustrated examples.

<<Key terms related to this specification>>
<Life events>
A life event is a major event that can be predicted to some extent based on age, etc. Typical life events include entering school, graduating, finding a job, getting married, raising a child (birth), getting an education, buying a house, buying a car, traveling, retiring, and dying, and may involve large expenses.

<Life Plan>
It is about considering the expected life events throughout one's life, understanding when and how much money will be needed, and making a plan. It is also called "life planning" and refers to planning one's life from a financial perspective. Since it requires specialized knowledge, such as predicting one's future income and estimating the amount of expenditure required for life events such as marriage, childbirth, home ownership, education, retirement, and old age, it is often created in consultation with a financial planner (for example, a specialist who advises individual investors on asset management). If you understand the amount of assets you will need and clarify your investment goals before starting asset management, you can manage your assets from a medium- to long-term perspective without being shaken by short-term market fluctuations.

<Financial term: Financial products>
Financial products are products handled by financial institutions such as banks, securities companies, and insurance companies, including deposits, insurance, stocks, foreign exchange, bonds, investment trusts, and derivatives derived from them. Financial institutions also include credit unions, credit associations, and labor banks.
Derivatives means "something derived" and is used as a general term for futures, options, and swaps. A "future" is a transaction that promises to deliver a commodity at a price and quantity determined at the present time on a set date in the future. An "option" is the right to buy or sell a target commodity at a pre-determined price within a certain period of time, and trading this right is called an option transaction. A "swap" is an exchange transaction in which multiple parties agree to exchange interest rates, currencies, etc.
Various financial products can be evaluated based on three criteria: safety, liquidity, and profitability. "Safety" is a criterion that focuses on whether there is any risk that the funds allocated to the financial product will decrease in value or that the expected profits will not be obtained. "Liquidity" is a criterion that focuses on how freely you can convert it into cash when needed. "Profitability" is a criterion that focuses on how much profit you can expect to make by investing in the financial product. Generally, there is no financial product that excels in all three criteria of safety, liquidity, and profitability, so you will need to decide which criterion to prioritize depending on your purpose.

<Financial term: portfolio>
In asset management, a portfolio is a combination of financial products and their holding ratios (or purchase ratios), and is used to determine risk and return. It can be composed according to the purpose and assets, and it is important to create a portfolio with appropriate risk diversification, especially for long-term management.

<Financial term: Investment trust>
Mutual funds are financial products in which funds (trust assets) contributed by many investors through a sales company are instructed by an asset management expert called a fund manager of the management company to invest in financial assets such as stocks, bonds, foreign exchange, and derivatives, or real estate, and the results of the investment are returned to the investor. Profits and losses from the investment belong to the investor. There is no principal guarantee, and a better return is expected than ordinary deposits and fixed-term deposits at banks, but there is a corresponding risk. In the current situation where interest income from deposits is almost impossible to expect due to low interest rates in recent years, it has attracted attention as a means of asset management. The degree of risk and the degree of return vary depending on the investment target of the mutual fund. For example, stocks are said to have a higher risk and a higher return than bonds. In addition, those that invest overseas are said to have a higher risk and return than those that invest domestically because they are affected by exchange rates. In the case of open-type mutual funds that can be purchased and canceled at any time, the unit price is calculated according to the fluctuation in the valuation of the assets held. Profits from investment include dividends paid out at regular intervals, as well as any capital gains from the unit price, which can be received when the investment is cancelled or sold.

Explain the types of investment trusts.
There are two main types of investment trusts: bond investment trusts, which invest primarily in government bonds and corporate bonds, and stock investment trusts, which can also include stocks.
In addition, there are the following types depending on the product being invested, the time of purchase, and the distribution method.

<Investment Trust Details: MRF (Money Reserve Fund)>
This is an open-type public bond investment trust that allows investment funds to be kept on standby in a general securities account. The principal is not guaranteed, but in order to ensure liquidity and safety, the investment targets are strictly regulated based on ratings and remaining maturity, and in addition to highly rated bonds, it is managed with short-term financial products such as commercial paper and negotiable certificates of deposit. Income distributions are calculated daily and reinvested in a lump sum at the end of the month after deducting taxes on the distributions. Deposits and withdrawals can be made at any time in units of 1 yen, with no fees.

<Investment Trust Details: Bond Investment Trust>
This is an open-type public bond investment trust that mainly invests in highly secure bonds. When interest rates rise, the price of bonds falls, and there is a possibility that the principal will be lost. Distributions are made once a year, but you can choose to automatically reinvest these distributions instead of receiving them each time.

<Investment Trust Details: Foreign Currency MMF (Money Market Fund)>
Since the investment targets are mainly high-rated bonds and overseas short-term securities, the emphasis is on safety on a foreign currency basis. Profit distributions are paid out daily according to investment performance. At the end of the month, the distributions are reinvested in a lump sum minus tax, so you can expect a compound interest effect. Since there are no restrictions on maturity or early redemption, it can be easily purchased and redeemed at any time, making it a highly liquid product.

<Investment Trust Details: Open-type Equity Investment Trust>
It is an open-type stock investment trust that can be bought and sold at any time at market price. It allows timely asset management that captures the trends of the stock market, interest rates, and exchange rates. There are various products, including those that actively aim for capital gains and those that emphasize stability.

<Investment Trust Details: Spot-type Stock Investment Trust>
This is a unit-type stock investment trust that aims to generate profits through timely management, focusing on companies that are expected to grow in the future, taking into account the economic and financial situation at the time. Since it is set up with a one-time offering, it is generally called a "spot investment trust."

In addition, investment trusts are divided into two types based on how they manage their funds.
<Investment Trust Details: Active Management>
In active management, analysts and fund managers collect information on individual industries, select investment stocks, and manage the investment. While expenses such as trustee fees are set higher than for passively managed funds, the characteristic of active management is that it is possible to expect returns that exceed the benchmark.

<Investment Trust Details: Passive Management>
Passive management is, in principle, a method of management that aims to achieve results that are linked to a benchmark. A benchmark is also called an index, and is an index that shows the price movements of the entire market, such as stocks and bonds, such as the Nikkei Stock Average. Unlike active management, passive management does not involve stock selection through research, so it has the characteristic that expenses such as trustee fees are set lower than those of active management.

<Investment Trust Details: Costs>
Here is a brief explanation of the costs incurred by customers who purchase investment trusts. There are two main types of costs incurred by customers. The first is the purchase fee, which is incurred each time an investment trust is selected and savings are made. This fee is paid to the sales company. The other is the "management fee (trustee fee)" which is indirectly deducted from the trust assets during the investment period. This covers the costs of management and is allocated among the three parties: the investment company, the sales company, and the trust bank (depending on the investment policy of the fund, some of the trust assets may be held in cash). In addition, expenses such as "audit fees" and "trading commission" are deducted from the trust assets. Also, some funds require a "trustee property reserve amount" at the time of redemption (some people think that it is unfair for the people who manage the investment trust to bear the redemption fee alone. Therefore, a system that requires the person who redeems the funds (the customer) to pay a fee (= trustee property reserve amount) is called the trustee property reserve system. This reserve amount is reflected in the unit price.).
Considering this cost structure, the idea of selecting an investment trust for each event may be inefficient. On the other hand, the management efficiency of financial products such as investment trusts may increase or decrease depending on the times and changes in the investment environment, so it is better to select financial products appropriately according to changes in the investment environment, rather than continuing to hold a small number of financial products such as investment trusts.
Therefore, it is preferable that the system can use both a rule for selecting investment trusts to respond to the overall event while continuing a relatively small number of investment trusts to cover the expenses expected to occur in the selected event, and a rule for reselecting financial products according to changes in the investment environment. In the case of the latter rule, the rule can be configured to determine the time when the event occurs as the time to review the selection of financial products. It is also possible to schedule in advance the selection of a specific financial product at the time when the event occurs.

<Satisfying the utility of the laws of nature in the present invention>
The present invention functions through the cooperation of a computer, communication equipment, and software. Conventionally, in order to manage assets for the purpose of a life event, the manager himself had to consider various factors such as the target amount, period, and tolerance for not achieving the life event. This is supported through ICT, and since it includes processing unique to ICT, it is a so-called business model patent. If the present invention is judged based on the matters described in the claims and specification regarding resources such as computers, and the common general technical knowledge related to those matters, the present invention utilizes a law of nature.

<The significance of utilizing the laws of nature required by patent law>
The use of the laws of nature required by the Patent Act is required to ensure that an invention can be used industrially and is useful from the viewpoint that, based on the purpose of the law, an invention must have industrial applicability and contribute to the development of industry. In other words, it is required that the invention be industrially useful, that is, the effect of the invention declared at the time of application can be reproduced with a certain degree of certainty by implementing the invention. From this perspective, the use of the laws of nature is interpreted as the function of each of the invention-specific matters (invention constituent elements), which are the components of the invention to achieve the effect of the invention, being achieved by utilizing the laws of nature. Furthermore, the effect of an invention should be that it has the potential to provide a certain usefulness to the customer who uses the invention, and should not be viewed from the perspective of how the customer feels or thinks about that usefulness. Therefore, even if the effect that the customer gets from this system is a psychological effect, the effect itself is not subject to the required use of the laws of nature.

Hereinafter, an embodiment of the present invention will be described with reference to the accompanying drawings.
<Embodiment 1: (corresponding to claims 1, 15, and 16)>
<First embodiment: overview>
The customer or a corporate employee inputs information for the simulation into a simulation terminal that predicts the customer's future assets, and the simulation is performed. The input information is sent to a future forecast information viewing server, and the customer information is managed in the customer information system. This system is composed of, for example, multiple simulation terminals and a single future forecast information viewing server. The simulation terminal is assumed to be portable, for example, so that a sales representative of a financial product can carry it around. The sales representative of the financial product is not necessarily only a sales representative of a single financial institution, but may be used by sales representatives of multiple financial institutions, and the system may be operated in such a manner that multiple financial institutions share one future forecast information viewing server. Note that while the execution of the simulation in the customer information system is mainly configured to be performed on the future forecast information viewing server side, in some cases it is preferable to configure it to be performed on the simulation terminal. This is because the simulation can be performed even in an environment where communication with the future forecast information viewing server is not possible.

FIG. 1 is a diagram showing an outline of a customer information system according to the present invention.
A customer or corporate staff member performs a simulation of future assets on a simulation terminal consisting of an information terminal (for example, including but not limited to a smartphone or personal computer; the same applies below). After the simulation, the customer decides whether to provide the entered information and the simulation results to the viewer, who is the service provider of the customer information system, and if it is OK to provide them, the information is sent to a future forecast information viewing server. The sent information is managed as a customer list on the future forecast information viewing server.

<Embodiment 1: Configuration>
The customer information system of the first embodiment includes a simulation terminal and a future prediction information viewing server.
FIG. 3A is a diagram showing the functional configuration of the simulation terminal of the customer information system according to the first embodiment.
The simulation terminal includes a customer registration unit 0311 , a future prediction information input receiving unit 0312 , a future prediction information storage unit 0313 , a simulation unit 0314 , a simulation result output unit 0315 , and a future prediction information output unit 0316 .
FIG. 3B is a diagram showing the functional configuration of the future prediction information viewing server of the customer information system of the first embodiment.
The future prediction information browsing server includes a future prediction information acquisition unit 0321 , a future prediction information storage unit 0322 , a browser registration unit 0323 , a browsing request acceptance unit 0324 , a browsing request determination unit 0325 , and a future prediction information browsing unit 0326 .

<Embodiment 1: Description of Configuration Simulation Terminal>
The simulation terminal is a terminal that performs simulations to calculate and visualize future forecast information, such as the future asset transition and cash flow of a customer.
The simulation terminal does not have to be a terminal dedicated to simulation, and may be configured to function by installing a dedicated application on an information terminal owned by a customer.

For example, the following information terminals can be used as simulation terminals.
(1) Personal Computer Generally speaking, a personal computer is a computer used by an individual, and is abbreviated to "Pasokon." Personal computers are mainly divided into the following three types based on their size and shape.
The first type is a desktop computer, which is a type of computer that is usually placed on a desk. Many of them have a separate main body and display, and are further subdivided into tower types, space-saving types, and LCD all-in-one types depending on the size and shape of the main body. Compared to notebook computers and tablet computers (described below), desktop computers have the following main features: high processing performance, high expandability, and a long lifespan.
The second type is a notebook computer, which is generally a type of computer that an individual can carry around. The main body, display, and keyboard are integrated, and it is equipped with a battery. Compared to the above-mentioned desktop computers, notebook computers have the following main features: high portability, low power consumption, and no need for peripheral devices.
The third type is a tablet PC, which is a type of computer that generally fits in the palm of your hand. It is also called a tablet terminal. The main body and display are integrated, it is equipped with a battery, and it uses a touch screen. Compared to the notebook PC mentioned above, tablet PCs have the main features of being more portable, easier to use, and quieter.

(2) Smartphone A smartphone is a multifunctional device that has the functions of a personal computer and can also be used as a mobile phone. Smartphones are equipped with a variety of applications, such as a web browser that can connect to the Internet, e-mail, a camera, a music player, games, and maps. Users can also install additional applications according to their preferences. Smartphones can be intuitively operated using sensors such as a touch panel and gyroscope.

<Embodiment 1: Description of configuration Simulation terminal Customer registration unit>
The 'customer registration unit' 0311 registers a customer in association with a customer identifier.
Here, the "customer identifier" is an identifier for uniquely identifying a customer, and is provided as a number, a character string, or a combination of both. The "customer identifier" may be automatically assigned to the customer when the customer first uses the simulation terminal, or may be configured to be input by an identifier designated by the service provider, or may be configured to be set by the customer.

For example, if the service is provided by a financial institution or securities company, the account number may be entered, and if the service is provided by an insurance company, the policy number may be entered. In addition, the customer may enter an arbitrary user ID and notify the service provider of the entered user ID.

A customer or a corporate employee may be required to input a customer identifier or a corporate employee identifier when using a simulation terminal. Also, after a simulation is performed, when the future prediction information is output to the future prediction information viewing server, the customer identifier or the employee identifier may be required to input.
In the customer registration section, the customer inputs information that does not identify the individual, such as gender, in association with the customer identifier. In addition, the associated customer information may include information on whether the customer is the head of the household or not, whether the customer is the main breadwinner or not, and so on.
It is preferable that the customer identifier is encrypted to prevent personal information from being leaked and is configured so that a specific individual cannot be identified.

<Embodiment 1: Description of configuration Simulation terminal Customer registration section Customer registration screen>
FIG. 4 is a diagram showing an example of a customer registration screen 0400. As shown in FIG.
A designated number is entered in User ID 0401. Attribute designation 0402 designates attribute information such as whether the customer is the head of the household. Gender selection 0403 selects the gender. In the example shown in the figure, "001-0102" is entered in the user ID, the attribute designation specifies that the customer is the head of the household, and "male" is selected as the gender.
When the OK button 0404 is pressed, the simulation terminal function is started.

<Embodiment 1: Description of configuration Simulation terminal Future prediction information input reception unit>
The “future prediction information input receiving unit” 0312 is configured to repeatedly receive input information, which is information for simulating future changes in income, expenditure, and assets of a person who shares the same household as a registered customer (which may be the customer alone), in association with a customer identifier from a future prediction information input screen where input information can be viewed.

"Future forecast information" is information necessary to predict future income, expenses, and asset trends. Information necessary for income forecasting may include current income, age, place of employment, occupation, industry of employment, family income, retirement plans, job change plans, dependents, etc.
Possible information related to expenditures may include current expenditures, family composition, housing information (rent, plans to purchase a home, loan payments), insurance premiums, education expenses, plans to purchase a car, entertainment expenses (travel, etc.), and expenditures related to life events (marriage, childbirth, etc.).
Possible information regarding future assets includes the current amount of assets held, currently held financial products, future savings amounts and purchased financial products, expected retirement benefits, and so on.
The future prediction information input receiving unit displays a screen prompting the input of the above-mentioned information and receives the customer's information input.

<Embodiment 1: Description of configuration Simulation terminal Future prediction information input reception unit Family composition input screen>
The future prediction information input receiving unit may be configured to have a family structure input screen as part of its input interface.
FIG. 5A is a family structure input screen 0510, which is an example of a family structure input screen in the future prediction information input receiving section.
When the family structure is selected with the input information selection switch 0501, a family structure input screen is displayed. Here, for example, family members who share the same livelihood are input. The family structure 0512 is an input section for setting the customer's own family, and the spouse and two children may be displayed as an initial screen. In order to match the customer's own family structure, the customer may be able to delete non-existent persons with, for example, the delete switch 0514. If there are more than two children, they can be added one by one by pressing the add switch 0515. After inputting the family structure, input the detailed family information. The detailed family information 0513 is displayed when the icon 0511 of the target person is clicked, and the date of birth, sex, and living together/separately are input. Here, the presence or absence of dependents may be input, and non-dependent family members may be deleted.
A save switch 0502 is a common switch for input screens described later, and pressing this switch saves the input contents.
When a simulation button 0503 is pressed, a simulation, which will be described later, is carried out.
The above is an example of entering family structure, and the present invention is not limited to the above structure. It is also possible to enter information into a table using a pull-down menu, or it is also possible to have only the person himself/herself on the initial screen and have related parties entered as additional information. If the main target audience is married people with children, it is best to enter the structure described first, but if the main target audience is single people, it is thought that it is less time-consuming to enter additional information. It is also possible to have both structures and allow the customer to choose.

<Embodiment 1: Description of configuration Simulation terminal Future forecast information input reception unit Income input screen>
The future prediction information input receiving unit may be configured to have an income input screen as a part of its input interface.
FIG. 5B is an income input screen 0520, which is an example of an income input screen in the future prediction information input receiving section.
When income is selected with the input information selection switch 0501, an income input screen 0520 is displayed.
In the salary income input 0522, the individual's annual take-home pay and the take-home pay of his/her family members are input, for example, as annual income.
In addition, if a child has income from a part-time job, or if a parent lives with the person and receives a pension, they can be entered here. The method of entering annual income is not limited to this, and monthly income can also be used, but since salaried workers also have income other than monthly income, such as bonuses, it is thought that annual income is easier to handle. Therefore, the input method can be changed based on customer attribute information.

Next, the expected retirement age and expected retirement benefits are entered in the lump-sum income input field 0523. Also, if there is a personal pension or any savings in a defined contribution pension, these can be entered here. In the public pension input field 0524, the expected age at which the public pension will be received and the expected annual amount are entered. This can be done, for example, by entering the information written in the "Pension Regular Mail" sent every year. In the other income input field 0525, for example, if temporary income is expected due to inheritance of assets or selling a house and moving, it can be entered. At this time, it is considered that the time when the income is expected is entered in the age of the customer. By entering the above, it is possible to estimate the change in income at each age for the entire livelihood, taking into account not only salary income but also pensions, etc.

<Embodiment 1: Description of configuration Simulation terminal Future forecast information input reception unit Expenditure input screen>
The future prediction information input receiving unit may be configured to have an expenditure input screen as a part of its input interface.
FIG. 5C is an expenditure input screen 0530, which is an example of an expenditure input screen in the future prediction information input receiving section.
When expenses are selected with the input information selection switch 0501, an expenses input screen is displayed. The annual amount of living expenses is input in the living expenses input field 0532. Living expenses can also be input on a monthly basis. Here, the amount of monthly expenditure related to food, clothing and shelter is entered.
The lump-sum expenditure plan input field 0533 is to be filled in if there is a lump-sum expenditure planned with a large amount. As shown in the example in the figure, for example, one may select either lump-sum expenditure or annual expenditure and input the corresponding amount. For example, if one goes on a trip every year, one selects annual expenditure and inputs a rough expenditure amount in the amount field. The insurance amount entry field 0534 is to be filled in if there is expenditure such as life insurance or personal pension. The loan repayment entry field 0535 is to be filled in if there is a loan payment.

<Embodiment 1: Description of configuration Simulation terminal Future prediction information input reception unit School advancement plan input screen>
The future prediction information input receiving unit may be configured to have an educational advancement plan input screen as part of its input interface.
FIG. 5D shows an example of an educational advancement plan input screen 0540 for inputting a child's educational advancement plan in the future prediction information input receiving section.
When the educational expenses is selected using the input information selection switch 0501, a screen for inputting educational plans is displayed.
In the selection of children 0542, if there are multiple children, the number of children is selected. In the input of planned education 0543, public or private schools are selected for elementary school, junior high school, high school, university, and graduate school. This is because, in general, when going to a private school, there are large expenses other than tuition fees such as admission fees, textbook fees, and facility fees, and the expenses are higher than when going to a public school. The details switch 0544 is a switch for inputting details of expenses other than tuition fees, and pressing the details switch displays a details entry field 0545. Here, it is also possible to configure it so that whether or not dormitory/boarding fees or overseas study are planned and the amount of such expenses are entered.

<Embodiment 1: Description of configuration Simulation terminal Future forecast information input reception unit Asset input screen>
The future projection information input receiving unit may be configured to have an asset input screen as a part of its input interface.
FIG. 5E is an example of a portfolio input screen 0550, which displays asset ratios and the like in an easily understandable manner in a diagram by inputting owned assets.
When financial assets are selected with the input information selection switch 0501, a screen is displayed for inputting currently held financial assets. If there is a deposit, it is input in the deposit input field 0553, but it is also possible to select multiple currencies and input the holding amount for each. In the financial product input field 0554, the selection of financial products such as investment trusts and the number of shares may be input. In the stock input field 0555, if stocks are held, the brand name and the number of shares held may be input. In the other asset input field 0556, assets such as gold and real estate may be input. Since the daily prices of gold and commodities can be obtained, it is sufficient to input the holding quantity, but in the case of real estate, a method such as inputting the valuation amount by the customer is conceivable. In the asset ratio 0552, the ratio of each input asset is displayed as a pie chart in the example of the figure, but the display method is not important. In the case of investment trusts and stocks, the price and the number of holdings on that day may be converted into the valuation amount to obtain the ratio. It is also preferable to display the asset valuation amount 0557, etc., to make it easy to grasp the current asset valuation amount.

<Embodiment 1: Description of configuration Simulation terminal Future prediction information storage unit>
The 'future prediction information storage unit' 0313 stores the received future prediction information in association with the customer identifier based on the reception of the storage command.
The future prediction information inputted in the future prediction information input receiving section is stored in a non-volatile memory in the simulation terminal, for example, by pressing a save switch 0502 shown in Fig. 5. At this time, it is desirable to classify and store the information into categories such as income, expenditure, current assets, family information, etc.
This stored information is used as an initial value if there is stored future prediction information so that the next time the simulation terminal is started and a simulation is performed again under different conditions, there is no need to input the same information again.

<Embodiment 1: Description of configuration Simulation terminal Simulation unit>
The "simulation unit" 0314 performs a simulation based on the reception of a simulation command using a simulation command reception icon (including but not limited to various button images and various check boxes) that can be viewed simultaneously with the future prediction information input screen to display future changes in the family's income, expenditure, and assets based on the input future prediction information.
The simulation here refers to a prediction of future changes in income, expenditure, and assets, and may be made on a yearly basis in relation to the age of the customer.
A configuration may be adopted in which a simulation is performed by pressing a simulation button 0503 shown in FIGS. 5A to 5E.
The reason why it is said "simultaneously" is that the simulation results change according to the future prediction information that is input, so it is possible to see how the effect of changing and inputting the future prediction information is reflected in the simulation results each time. For example, if you want to know what will happen if one more child is added to a family structure, you can input the state in which one more child is added as future prediction information, and by running a simulation using the simulation command reception icon on that screen, you can see the future changes in the income, expenditure, and assets of the family with one more child.
For this reason, the future prediction information input receiving unit is configured to be "repeatedly capable of receiving." Note that since the simulation results change depending on factors such as the timing of the birth of a child, the future prediction information may be associated with time axis information as an attribute.
The repeated input ("reception" for the device) is configured so that only the information of the items that are input repeatedly is overwritten, and the information previously input for other input items is retained. Note that multiple input items for future prediction information are prepared, and it is desirable to configure so that the simulation can be run even if input is not necessarily completed for all items. For example, if a child has already completed the necessary education, there is no need to input the "Planned further education" item, so input of this item is not mandatory, and it is desirable to configure so that the simulation can be run even without this input.
Moreover, the simulation terminal is preferably configured to store the simulation results. The icon for this storage is preferably configured to be displayed on the same screen as the simulation command reception icon. Moreover, the simulation results are preferably stored in association with the future prediction information used in the simulation. Moreover, when the simulation results are stored after multiple simulations have been performed, it is preferable that the simulation results are configured to be viewed in a comparative manner in a "simulation result output unit" described later, and it is preferable that the future prediction information used in the simulation is also viewed in a comparative manner for the comparison. Moreover, in the output for comparing the future prediction information, it is preferable that the output is output so that common items and unique items among the multiple future prediction information can be seen at a glance. For example, the colors of the display of the future prediction information may be made common or unique.

<Embodiment 1: Description of configuration Simulation terminal Simulation unit Prediction of income amount>
The income prediction predicts the future income amount at each age based on the current income.
Since the majority of income will generally come from salary, annual salary increases, etc. should be taken into consideration.
As an example of a prediction method, the amount of the salary increase can be calculated by multiplying the current income by a specified rate of increase each year. The rate of increase can be a general average rate of increase, or can be determined based on the past rate of increase at the workplace. In addition, the peak age of salary can be determined, and the amount can be calculated so that it is reduced by a specified rate from that age onwards.
It is also possible to estimate the average rate of wage increase and bonus amount at each age based on the industry and job type of the employer.

If a retirement age is entered, income from retirement to pension payment will be determined based on the client's specifications.
In the case of reemployment, the prediction may be based on the average salary of a typical reemployment, or may be calculated by multiplying the salary during working life by a specified rate.

For example, income after the pension age can be predicted from the information provided in the annual "Pension Regular Mail." If information on early or late payment is entered, it is desirable to multiply the pension payment amount by the corresponding payment rate.
In addition, if temporary income is entered, the temporary income can be added to the income amount for the corresponding age.

<Embodiment 1: Description of configuration Simulation terminal Simulation unit Prediction of expenditure amount>
The expenditure forecast predicts the future expenditure at each age based on the current expenditure.
Expenses include fixed amounts, such as loan repayments, rent, and insurance payments, and variable amounts, such as household expenses. The expenditure amount here is the total of both.
Although household expenditures fluctuate from month to month, they are considered to be generally stable on an annual basis. Therefore, the amount entered as the current expenditure will likely increase each year, taking into account inflation. Also, if children are entered into the family structure, household expenditures are likely to increase as the children grow up. Furthermore, a temporary increase in expenditures is expected in the year that children start school.
Taking into account the various expenditure factors described above, the expenditure amount for each customer age is calculated.

<Embodiment 1: Description of configuration Simulation terminal Simulation unit Asset transition prediction>
To predict asset trends, the difference between income and expenditure each year is added to the client's current assets to calculate the client's assets at each age.
This is because the difference between income and expenditure is considered to be incorporated into assets as savings. However, income and expenditure may fluctuate from year to year, and unexpected expenses such as accidents and illness may occur. Therefore, it may be possible to calculate that, for example, 70% of the difference between income and expenditure is incorporated into assets.

In addition, if the assets include financial products whose asset values fluctuate, or financial products or securities that generate dividend income, the increase in assets based on the average yield may also be calculated.
In addition, when a fixed amount of financial products is purchased as an installment plan based on the difference between income and expenditure, the change in asset value may be calculated based on the average investment yield.

<Embodiment 1: Description of configuration Simulation terminal Simulation result output unit>
The 'simulation result output unit' 0315 outputs the results of the simulation.
The simulation result output unit outputs the simulation results to the screen of the simulation terminal, allowing the customer to visually confirm the simulation results. It is desirable to display the simulation results in a graph or the like so that the trends in cash flow and asset amount at each age can be easily understood. The simulation results may be configured to be output to a future prediction information viewing server described below and stored in the future prediction information viewing server. The simulation results may also be configured to be output to a terminal such as the customer's smartphone and stored in the customer's terminal. In this case, it is preferable to install an application on the customer's smartphone or the like so that the simulation results in this system can be obtained, stored, and viewed.

<Embodiment 1: Description of configuration, simulation terminal, simulation unit, example of simulation execution result>
FIG. 6 shows an example of a display of the results of a simulation performed on the simulation terminal of the present invention.
The simulation was conducted when the client was 30 years old, and it shows the changes in cash flow and assets up to the age of 100.
The conditions given in the simulation are that the family will be married at age 35, have two children, and send them to college. The income is that the person plans to retire at age 60 and then be rehired until age 65. The retirement allowance is expected to be 10 million yen.
As for life events, he plans to spend 4 million yen when he gets married, 8 million yen as a down payment on a house when he turns 45, and 2 million yen when his children go to university.

The results of a simulation performed under the above conditions are shown in FIG. 6, which shows income, expenditure, and assets at each age.
The bar graph shows income and expenses, and the line graph shows assets.
The following calculations were performed through simulation.

Specific examples of simulations Income calculations Current income and income trends from age to retirement are predicted. Income during the re-employment period is calculated using a general average amount, and pension amount is calculated based on the predicted income until retirement.

Example of a simulation Calculation of expenditures The expenditure amount is calculated based on the current expenditure amount and on the assumption that marriage and childbirth at the specified age occur as planned.
Expenses related to life events are also calculated assuming that marriage and children's entry into education proceed as planned, and are then added to the household expenditures for the relevant age to determine the expenditures for that year.

〇Example of simulation Calculation of asset transition The result of accumulating the difference between income and expenditure to the current assets is the transition of assets. For years in which cash flow was negative, it is calculated as if a withdrawal was made from assets.
Asset Trends (with savings) shows the overall trend of assets when 600,000 yen is saved each year and managed at an average annual rate of return of 3%. It is clear at a glance that investing in savings will provide more funds for retirement than if you were to hold everything in savings accounts.

By checking the simulation results as described above, customers can know the predicted cash flow and asset amount at each age, which makes it easier to plan for things like purchasing a home and their children's education fees, as well as understanding their living situation after retirement.

<Embodiment 1: Description of configuration Simulation terminal Future prediction information output unit>
The 'future prediction information output unit' 0316 outputs the held future prediction information in association with the customer identifier based on the reception of the link command.
The customer's future forecast information calculated by the simulation unit is temporarily stored in the customer's simulation terminal, but this information can be transferred to an external server.
Information is output to an external server by connecting to the Internet via wireless communication means such as WiFi (registered trademark) or mobile communication, and transmitting the information via the Internet to a future prediction information viewing server, which is an information management server.
As a result, in addition to the future prediction information entered for the simulation, such as the customer's family composition, income, expenses, assets, etc., the customer's life events and asset trends are also sent to the future information viewing server.

Possible purposes for transmitting future forecast information to the future information viewing server include the provision of services such as financial consultation by financial planners and the like, and use of the information to manage customer asset information.
In many cases, the spouse or relatives of a customer do not know the information related to the customer's assets, and in the unlikely event of the customer's death or disability, the asset information cannot be known, which can cause problems. In such cases, if the asset information is managed, it may be possible to respond to unforeseen circumstances.

<Embodiment 1: Description of the configuration of future prediction information browsing server>
The future prediction information viewing server is a server that manages future prediction information of customers. The managed information can be viewed by viewers who have been granted authority by the administrator of the customer information system of the present invention.
In the first embodiment, this future prediction information is managed by a customer identifier, and is not associated with information that can identify the customer (such as name, date of birth, address, telephone number, email address, etc.). Therefore, if a viewer knows the customer's customer identifier, they can view the information as personal information of the customer.

<Embodiment 1: Description of configuration Future prediction information viewing server Future prediction information acquisition unit>
The 'future forecast information acquisition unit' 0321 acquires the output future forecast information in association with the customer identifier.
The future prediction information acquisition unit acquires, via a network such as the Internet, the future prediction information output by the simulation terminal and a customer identifier registered in the simulation terminal in association with each other.

<Embodiment 1: Description of configuration Future prediction information viewing server Future prediction information storage unit>
The 'future forecast information storage unit' 0322 stores the acquired future forecast information in association with the customer identifier.
The future prediction information storage unit stores future prediction information for each customer identifier in a non-volatile memory such as a HDD, etc. Therefore, future prediction information can be read out using the customer identifier as a search key.

<Embodiment 1: Description of configuration Future prediction information browsing server Browser registration unit>
The 'viewer registration unit' 0323 registers viewers who are allowed to view future prediction information in association with viewer identifiers.
A "viewer" is someone who is able to view a customer's future forecast information stored in the future forecast information storage section of the future forecast information viewing server, and is expected to be a financial planner or sales representative from a financial institution, securities company, insurance company, etc.
The "viewer identifier" is an identifier for identifying the viewer, and may be an ID number composed of a combination of numbers, letters, etc. The viewer identifier assigned to each viewer is registered and stored in a non-volatile memory such as a HDD.

<First embodiment: Description of configuration: Future prediction information browsing server: Browse request reception unit>
The 'viewing request receiving unit' 0324 receives a view request for future prediction information from a viewer in association with a customer identifier.
A "view request" is a request to view future prediction information stored in the future prediction information storage unit, and in addition to accepting a customer identifier, the viewer identifier of the viewer is also acquired.
The viewer designates a customer identifier in the view request receiving unit and requests to view future prediction information associated with the customer identifier.
The input of the customer identifier may be configured so that the viewer directly inputs the customer identifier into the input field, or a list of customer identifiers may be displayed so that the viewer can select the relevant customer identifier from the list.

The viewing request receiving unit is not limited to a configuration in which input is received by operating the future prediction information viewing server. The viewing request receiving unit of the present invention also includes a case in which the viewer logs in to the future prediction information viewing server from their information terminal and inputs information into the displayed browser screen.

For example, the following terminals can be used as the information terminal of the viewer.
(1) Personal Computer Generally speaking, a personal computer is a computer used by an individual, and is abbreviated to "Pasokon." Personal computers are mainly divided into the following three types based on their size and shape.
The first type is a desktop computer, which is a type of computer that is usually placed on a desk. Many of them have a separate main body and display, and are further subdivided into tower types, space-saving types, and LCD all-in-one types depending on the size and shape of the main body. Compared to notebook computers and tablet computers (described below), desktop computers have the following main features: high processing performance, high expandability, and a long lifespan.
The second type is a notebook computer, which is generally a type of computer that an individual can carry around. The main body, display, and keyboard are integrated, and it is equipped with a battery. Compared to the above-mentioned desktop computers, notebook computers have the following main features: high portability, low power consumption, and no need for peripheral devices.
The third type is a tablet PC, which is a type of computer that generally fits in the palm of your hand. It is also called a tablet terminal. The main body and display are integrated, it is equipped with a battery, and it uses a touch screen. Compared to the notebook PC mentioned above, tablet PCs have the main features of being more portable, easier to use, and quieter.

(2) Smartphone A smartphone is a multifunctional device that has the functions of a personal computer and can also be used as a mobile phone. Smartphones are equipped with a variety of applications, such as a web browser that can connect to the Internet, e-mail, a camera, a music player, games, and maps. Users can also install additional applications according to their preferences. Smartphones can be intuitively operated using sensors such as a touch panel and gyroscope.

<First embodiment: Description of configuration, future prediction information browsing server, browsing request reception unit, example of customer selection screen>
FIG. 7 is a diagram showing an example of an input interface of the browsing request acceptance section on the customer selection screen 0700. As shown in FIG.
In the customer ID input field 0701, a customer ID, which is the customer identifier of the customer who wishes to view future prediction information, is input. A customer display screen 0710 displays registered customers. A search button 0702 displays only customer IDs that match the input customer ID on the customer display screen. Therefore, it is not necessary to input all digits of the customer ID in the customer ID input field, and even if the input ID matches part of a registered customer ID, it may be displayed on the customer display screen.
The contents displayed on the customer display screen include a customer ID 0711 , attributes 0712 , a name 0713 , a customer sales representative 0714 of the financial institution or the like, a transaction status 0715 , and a details button 0716 .

The attribute displays information indicating the attributes of the customer, such as the head of household or spouse. The name displays the name if it is registered. If the name is displayed as linked, this means that the data is held in a state in which the future prediction information output from the simulation terminal is acquired. The future prediction information may also be held in association with information that identifies an individual, such as a name, but details will be described in the second embodiment and onwards.
For example, a customer sales representative of a financial institution or the like corresponds to the viewer, and although the viewer identification number is displayed in the illustrated example, the viewer's name may also be displayed.

The transaction status is information indicating whether or not the user is registered with a service provided by the operator of the future forecast information viewing server. For example, if the operator is a financial institution, the transaction status may be information indicating whether or not the user has an account with the financial institution.
Pressing the details button will display future forecast information for the relevant customer.

As described above, on the customer selection screen, you can view future forecast information for the customer associated with the customer ID by searching for and selecting the customer ID you want to view from the customer list displayed on the display screen.

<Embodiment 1: Description of configuration Future prediction information browsing server Browse request determination unit>
The 'viewing request determination unit' 0325 determines whether to permit the received viewing request.
In response to a view request received by the view request receiving unit through an operation by a viewer, it is determined whether or not the future forecast information corresponding to the designated customer identifier can be viewed, and the determination result is output.
The judgment as to whether the information can be viewed may be made, for example, by determining that the information can be viewed by a viewer who is displayed as a customer sales representative of a financial institution or the like on the screen of FIG.

The viewer registration unit may also be configured to associate and hold the identifier of a customer who can view the information. In this case, if there is a supervisor or assistant of the customer sales representative of the financial institution or other institution, the supervisor or assistant may be associated as a viewer.

<Embodiment 1: Description of configuration Future prediction information viewing server Future prediction information viewing unit>
The "future prediction information viewing unit" 0326, when the judgment result of the viewing request is that the viewing request is permitted, allows the future prediction information associated with the customer identifier related to the request stored in the future prediction information storage unit to be viewed.
The future prediction information viewing section has a viewing screen as a component thereof, and displays the future prediction information of the customer, allowing the viewer to visually confirm it.

The viewing screen does not have to be a screen owned by the future prediction information viewing server. It may be a browser screen that is displayed by logging in to the future prediction information viewing server from the viewer's information terminal.

For example, the following terminals can be used as information terminals for viewers.
(1) Personal Computer Generally speaking, a personal computer is a computer used by an individual, and is abbreviated to "Pasokon." Personal computers are mainly divided into the following three types based on their size and shape.
The first type is a desktop computer, which is a type of computer that is usually placed on a desk. Many of them have a separate main body and display, and are further subdivided into tower types, space-saving types, and LCD all-in-one types depending on the size and shape of the main body. Compared to notebook computers and tablet computers (described below), desktop computers have the following main features: high processing performance, high expandability, and a long lifespan.
The second type is a notebook computer, which is generally a type of computer that an individual can carry around. The main body, display, and keyboard are integrated, and it is equipped with a battery. Compared to the above-mentioned desktop computers, notebook computers have the following main features: high portability, low power consumption, and no need for peripheral devices.
The third type is a tablet PC, which is a type of PC that generally fits in the palm of your hand. It is also called a tablet terminal. The main body and the display are integrated, and it uses a touch screen. Compared to the notebook PC mentioned above, tablet PCs have the main features of being more portable, easier to use, and quieter.

(2) Smartphone A smartphone is a multifunctional device that has the functions of a personal computer and can also be used as a mobile phone. Smartphones are equipped with a variety of applications, such as a web browser that can connect to the Internet, e-mail, a camera, a music player, games, and maps. Users can also install additional applications according to their preferences. Smartphones can be intuitively operated using sensors such as a touch panel and gyroscope.

<Embodiment 1: Description of configuration Future prediction information viewing server Future prediction information viewing unit Customer information display screen>
The future prediction information viewing unit may have a customer information display screen as its output interface.
FIG. 8A is a diagram showing an example of a customer information display screen.
When customer information is selected with the display selection switch 0801, a customer information display screen 0810 is displayed.
On the customer information display screen, for example, as shown in the figure, family information may be displayed as a family tree 0811. The family members displayed on the family tree may be future plans, and in the example shown in the figure, the family members shown in dashed lines are future plans but do not currently exist.
When a person's icon is selected, the age and birth month of the person may be displayed. Also, if information such as need for nursing care or dependents can be obtained, that information may be displayed.

<Embodiment 1: Description of configuration Future prediction information viewing server Future prediction information viewing unit Income and expenditure status display screen>
The future prediction information viewing unit may have an income/expense status display screen as its output interface.
FIG. 8B is a diagram showing an example of the balance status display screen.
When the balance status is selected with the display selection switch 0801, a balance status display screen 0820 is displayed.
The income/expense status display screen is considered to be composed of an income column 0821, an expenditure column 0822, and a balance column 0823.

The income column 0821 displays the annual take-home income of the head of the household as well as the take-home income of people who share the same household.
In the expenditure column 0822, expenditures such as living expenses and housing expenses are displayed by category.
The difference column 0823 displays the amount obtained by subtracting expenses from income, allowing the household cash flow to be grasped.

<Embodiment 1: Description of configuration Future prediction information viewing server Future prediction information viewing unit Asset status display screen>
The future prediction information viewing unit may have an asset status display screen as its output interface.
FIG. 8C is a diagram showing an example of the asset status display screen.
When the asset status is selected with the display selection switch 0801, an asset status display screen 0830 is displayed.
The asset status display screen may be composed of an assets column 0831, a liability column 0832, and a total net assets column 0833.

The assets column shows cash assets such as savings and deposits, the asset value of investment products, which are financial products, and any other assets such as insurance and real estate. The total assets are also shown. The value of investment products is displayed as entered by the customer, but if the investment products and the number of purchases are known, it is also possible to calculate the value based on the valuation on that day.

The Liabilities column shows any mortgages, loans secured by real estate, or other loans that are liabilities.
The loan amount is reduced by monthly repayments, but if the total loan amount, monthly repayment amount, and interest rate at a given point in time are set, the loan balance may be calculated and displayed on a monthly basis.

Total net assets are calculated by subtracting the total liabilities from the total assets held, allowing you to understand your current assets.
This screen can show that if you have assets that exceed your liabilities, it can be a good idea to consider repaying your loans early.

<Embodiment 1: Description of configuration Future prediction information viewing server Future prediction information viewing unit Life event display screen>
The future prediction information viewing unit may have a life event display screen as its output interface.
FIG. 8D is a diagram showing an example of a life event display screen.
When a life event is selected with the display selection switch 0801, a life event display screen 0840 is displayed.
In the illustrated example, the life event display screen is made up of a life event display 0841 , scroll buttons 0842 , and an add button 0843 .

The life event display screen 0841 displays the life events extracted in the simulation on the simulation terminal in association with the age of the customer.
Life events do not have to be displayed in terms of the customer's age, but may be displayed in terms of the year in the Gregorian calendar or the number of years in the future.
Each time the scroll button 0842 is pressed, life events that could not be displayed are sequentially scrolled and displayed.
If you want to add a new life event, press the Add button to add the life event.
Although the explanation so far has focused on customers, the system can also be configured so that corporate personnel at financial institutions, etc. can use simulation terminals to input various information and perform simulations.

As explained above, displaying life events allows customers to know when and what life events they will experience, providing useful information for financial consultations.

<Embodiment 1: Hardware Configuration Simulation Terminal>
The configuration of the first embodiment has been described above, but the case where this is realized as a program or a control method also falls within the scope of the present invention.
FIG. 9A is a block diagram showing the hardware configuration of the simulation terminal.
The simulation terminal of the customer information system of embodiment 1 has a CPU 0911 , a main memory 0912 , a non-volatile memory 0913 , a chipset 0914 , a graphics card 0915 , a BIOS 0916 , an I/O controller 0917 , and a LAN interface 0918 .
The non-volatile memory contains a customer registration program, a future prediction information input receiving program, a future prediction information holding program, a simulation program, a simulation result output program, and a future prediction information output program.

The CPU realizes various functions by reading and executing programs from the main memory. The main memory is a volatile memory that can be accessed quickly by the CPU, and programs and data are loaded from the nonvolatile memory and read by the CPU. It is also used as the working memory of the CPU. Nonvolatile memory is, for example, a flash memory that records programs and information that should be retained even when the power is turned off. The chipset arbitrates access between the CPU and peripheral devices. The boot program is a program that is executed when the hardware is turned on. The graphics card controls the screen display. The I/O controller transmits customer input from the keyboard, mouse, touch panel, etc. to the CPU. The LAN interface communicates with external devices such as servers via the network.

<Embodiment 1: Hardware Configuration of Future Prediction Information Viewing Server>
FIG. 9B is a block diagram showing the hardware configuration of the future prediction information viewing server.
The future prediction information viewing server of the customer information system of embodiment 1 has a CPU 0911, a main memory 0912, a non-volatile memory 0913, a chipset 0914, a graphics card 0915, a BIOS 0916, an I/O controller 0917, and a LAN interface 0918.
The non-volatile memory contains a future prediction information acquisition program, a future prediction information storage program, a viewer registration program, a view request acceptance program, a view request determination program, and a future prediction information viewing program.

The CPU realizes various functions by reading and executing programs from the main memory. The main memory is a volatile memory that can be accessed quickly by the CPU, and programs and data are loaded from the nonvolatile memory and read by the CPU. It is also used as the working memory of the CPU. Nonvolatile memory is, for example, a HDD that records programs and information that should be retained even when the power is turned off. The chipset arbitrates access between the CPU and peripheral devices. A boot program is a program that is executed when the hardware is turned on. The graphics card controls the screen display. The I/O controller transmits customer input from the keyboard, mouse, touch panel, etc. to the CPU. The LAN interface communicates with external devices such as information terminals via a network.

<Embodiment 1: Method Simulation Terminal>
FIG. 10A is a flowchart showing a process flow of a control method for a simulation terminal of the customer information system according to the first embodiment.
The control method of the simulation terminal of the customer information system of embodiment 1 includes a customer registration step S1011, a future prediction information input acceptance step S1012, a future prediction information retention step S1013, a simulation step S1014, a simulation result output step S1015, and a future prediction information output step S1016.

<Embodiment 1: Processing flow simulation terminal>
First, a customer identifier is registered in customer registration step S1011.
Next, in future prediction information input acceptance step S1012, the input of future prediction information of the customer is accepted.
Next, in a future prediction information holding step S1013, the input future prediction information is held in either the main memory or the non-volatile memory.
Next, in a simulation step S1014, a simulation is performed based on the future prediction information.
Next, in simulation result output step S1015, the simulation result is displayed on the screen.
Finally, in future prediction information output step S1016, the future prediction information is transmitted to an external future prediction information browsing server.
The above is the flow of processing in the simulation terminal. Note that the customer registration step does not have to be performed first, and it is sufficient if it is performed before the future forecast information output step.

<Embodiment 1: Method Future Prediction Information Viewing Server>
FIG. 10B is a flowchart showing the process flow of a control method for the future prediction information viewing server of the customer information system of embodiment 1.
The control method of the future prediction information viewing server of the customer information system of embodiment 1 includes a future prediction information acquisition step S1021, a future prediction information accumulation step S1022, a viewer registration step S1023, a viewing request acceptance step S1024, a viewing request judgment step S1025, and a future prediction information viewing step S1027.

<Embodiment 1: Processing flow of future prediction information browsing server>
First, in a future prediction information acquisition step S1021, future prediction information transmitted from the simulation terminal is acquired.
Next, in a future prediction information storage step S1022, the acquired future prediction information is stored in a non-volatile memory such as an HDD.
Next, in a viewer registration step S1023, a viewer who can view the future prediction information is registered. This step is not performed if a viewer has already been registered or if there is no new viewer to be registered.
Next, in a view request receiving step S1024, a view request from a viewer is received.
Next, in a viewer request determination step S1025, it is determined whether or not the view request from the viewer is permitted.
Next, the result of the determination in the viewer request determination step is referred to (S1026), and if permission is granted, the process proceeds to a future prediction information viewing step S1027. If permission is not granted, the future prediction information viewing step is not performed.
A future prediction information viewing step S1027 displays the future prediction information requested for viewing.
Finally, it is determined whether the process is to be ended (S1028), and if so, the process is ended, otherwise the process returns to the browse request receiving step S1024 and waits for a browse request.
The above is the flow of processing by the future prediction information viewing server.

<Embodiment 1: Effects>
As described above, in the customer information system of the first embodiment, the customer information entered by the customer and/or the customer sales representative of the financial institution or the like on the simulation terminal can be moved directly to the future forecast information viewing server and managed as customer information. This can have the following various effects.
Customers may feel uncomfortable when others ask them for personal information such as their income or expenses, but if the purpose is to simulate a life plan without entering any personally identifiable information, they can enter detailed information without feeling uncomfortable.
Furthermore, if the customer agrees to the information entered on the simulation terminal, it can be transferred directly to a future prediction information viewing server that manages customer information, eliminating the need to enter customer information data.
In addition, the transferred data will not be associated with any personally identifiable information and viewing permissions will be limited, ensuring the security of customers' future prediction information.

<Embodiment 2: (corresponding to claim 2)>
<Embodiment 2: Overview>
In the customer information system of embodiment 2, a customer sales representative of a financial institution or the like, who knows the personal information of the customer corresponding to the customer identifier, can input and manage information that can identify the customer into the future prediction information transmitted to the future prediction information viewing server.

<Embodiment 2: Configuration>
FIG. 11 is a block diagram showing the functional configuration of a future prediction information viewing server of a customer information system according to the second embodiment.
The future prediction information viewing server of the customer information system of the second embodiment is based on the configuration of the first embodiment, and further includes an individual identifying information input receiving unit 1127 and an individual identifying information holding unit 1128.
Hereinafter, each part will be described, but descriptions of configurations that overlap with those in the first embodiment will be omitted, and only different configurations will be described.

<Embodiment 2: Description of configuration Future prediction information browsing server Personal identification information input reception unit>
The "personal identification information input receiving unit" 1127 receives input of the personal identification information of the customer in association with the future prediction information stored in association with the customer identifier.
"Personally identifiable information" is information that can identify an individual, and includes one or more of the following information: name, date of birth, address, telephone number, and email address.
A viewer who knows the correspondence between a customer identifier and personal identification information inputs personal identification information in association with the customer identifier to the future prediction information viewing server. Specifically, a customer sales representative of a financial institution or the like may input the future prediction information of the customer in association with the name, address, etc.

The personally identifiable information input reception unit does not need to be configured as an integral part of the future prediction information viewing server, and may also be configured to input information from a screen displayed on a browser screen or the like by logging in to the future prediction information viewing server using an information terminal owned by the viewer who is making the input.

For example, the following terminals are applicable as information terminals owned by viewers.
(1) Personal Computer Generally speaking, a personal computer is a computer used by an individual, and is abbreviated to "Pasokon." Personal computers are mainly divided into the following three types based on their size and shape.
The first type is a desktop computer, which is a type of computer that is usually placed on a desk. Many of them have a separate main body and display, and are further subdivided into tower types, space-saving types, and LCD all-in-one types depending on the size and shape of the main body. Compared to notebook computers and tablet computers (described below), desktop computers have the following main features: high processing performance, high expandability, and a long lifespan.
The second type is a notebook computer, which is generally a type of computer that an individual can carry around. The main body, display, and keyboard are integrated, and it is equipped with a battery. Compared to the above-mentioned desktop computers, notebook computers have the following main features: high portability, low power consumption, and no need for peripheral devices.
The third type is a tablet PC, which is a type of PC that generally fits in the palm of your hand. It is also called a tablet terminal. The main body and the display are integrated, and it uses a touch screen. Compared to the notebook PC mentioned above, tablet PCs have the main features of being more portable, easier to use, and quieter.

(2) Smartphone A smartphone is a multifunctional device that has the functions of a personal computer and can also be used as a mobile phone. Smartphones are equipped with a variety of applications, such as a web browser that can connect to the Internet, e-mail, a camera, a music player, games, and maps. Users can also install additional applications according to their preferences. Smartphones can be intuitively operated using sensors such as a touch panel and gyroscope.

<Embodiment 2: Description of configuration Future prediction information browsing server Personal identification information input reception unit Personal identification information input screen>
The individual identifying information input receiving unit may be configured to have an individual identifying information input screen as an input interface.
FIG. 12 is a diagram showing an example of the individual identification information input screen.
The individual identification information input screen is composed of a customer ID input field 1201 , a name field 1202 , a date of birth field 1203 , an address field 1204 , a telephone number field 1205 , and an OK button 1206 .

For example, in the customer ID input field, a customer ID given to a customer as a customer identifier may be input.
Also, for example, the name field, the date of birth field, the address field, and the telephone number field may be configured to input corresponding personal identification information. When the OK button is pressed, the input personal identification information may be associated with the customer identifier and stored in a personal identification information storage unit described later. Thus, the personal identification information is linked to the future prediction information and managed.

<Embodiment 2: Description of configuration Future prediction information browsing server Personal identification information storage unit>
The 'personal identification information storage unit' 1128 stores the received personal identification information in association with the customer identifier.
The personal identification information inputted in the personal identification information input receiving section is stored in a non-volatile memory such as a HDD in association with the customer identifier.
This makes it possible to reference both the individual identifying information and the future prediction information from the customer identifier, and the individual identifying information is linked to the future prediction information.
Since personally identifiable information is highly confidential, it must be kept and managed under strict security measures.

<Embodiment 2: Hardware Configuration of Future Prediction Information Viewing Server>
The configuration of the second embodiment has been described above, but the case where this is realized as a program or a control method is also within the scope of the present invention.
FIG. 13 is a block diagram showing the hardware configuration of a future prediction information viewing server of the customer information system of the second embodiment.
In addition to the configuration of the first embodiment, the future prediction information viewing server of the customer information system of the second embodiment further includes, in the non-volatile memory, an individual identifying information input acceptance program and an individual identifying information storage program.

<Embodiment 2: Method: Control method of future prediction information browsing server>
FIG. 14 is a flowchart showing the flow of processing of a control method for the future prediction information viewing server of the customer information system of the second embodiment.
The control method of the future prediction information viewing server of the customer information system of the second embodiment further includes, in addition to the configuration of the first embodiment, an individual identifying information input receiving step S1429 and an individual identifying information holding step S1430.
Each step will be described below, but steps that overlap with those in the first embodiment will be omitted and only steps that are different will be described.

<Embodiment 2: Processing Flow>
In individual identifying information input receiving step S1429, the viewer inputs individual identifying information for the future prediction information viewed in future prediction information viewing step S1427, and the input individual identifying information is acquired.
Next, in individual identifying information holding step S1430, the input individual identifying information is held in a non-volatile memory such as a HDD.
It should be noted that the individual identifying information input receiving step and the individual identifying information holding step do not perform any processing if the viewed future prediction information has already been associated with individual identifying information.

<Embodiment 2: Effects>
As described above, according to the customer information system of the second embodiment, the future prediction information acquired by the future prediction information viewing server can be managed in association with personal identification information that identifies the customer, so that customer management can be performed more efficiently. For example, when the customer sales representative of a financial institution or the like in charge of a customer is changed, the handover can be performed smoothly.

<Embodiment 3: (corresponding to claim 3)>
<Embodiment 3: Overview>
In the customer information system of embodiment 3, future prediction information of a customer stored in a future prediction information viewing server is output to a simulation terminal, and the simulation terminal can perform a simulation based on the acquired future prediction information.

<Embodiment 3: Configuration>
FIG. 15A is a block diagram showing the functional configuration of a simulation terminal of the customer information system according to the third embodiment.
FIG. 15B is a block diagram showing the functional configuration of the future prediction information viewing server of the customer information system of embodiment 3.
The future prediction information viewing server of the customer information system of the third embodiment is based on the configuration of the first or second embodiment and includes a future prediction information output request receiving unit 1527 and a future prediction information output unit 1528 .
Moreover, in addition to the configuration of the first or second embodiment, the simulation terminal further includes a future prediction information output request output unit 1517, a future prediction information acquisition unit 1518, and a future prediction information storage unit 1519.
Hereinafter, each part will be described, but descriptions of configurations that overlap with those of the first or second embodiment will be omitted, and only different configurations will be described.

<Embodiment 3: Description of configuration: Future prediction information viewing server Future prediction information output request receiving unit>
The 'future prediction information output request receiving unit' 1527 receives a future prediction information output request, which is a request to output the accumulated future prediction information to the simulation terminal.
The future forecast information output request receiving unit receives the future forecast information output request via the network, and at the same time, receives the customer identifier registered in the simulation terminal.

<Embodiment 3: Description of configuration Future prediction information viewing server Future prediction information output unit>
Based on the received future prediction information output request, the 'future prediction information output unit' 1528 outputs the accumulated future prediction information to the simulation terminal that issued the request.
The future prediction information output unit transmits the corresponding future prediction information to the simulation terminal via the network based on the customer identifier acquired by the future prediction information output request receiving unit.

<Embodiment 3: Description of configuration: Simulation terminal: Future prediction information output request output unit>
The 'future prediction information output request output unit' 1517 outputs a future prediction information output request, which is a request to output future prediction information, to the future prediction information browsing server.
The future prediction information output request output unit transmits a future prediction information output request to the future prediction information browsing server when there is future information stored in the future prediction information browsing server. Note that, when acquiring future prediction information, the unit may confirm with the customer whether or not to acquire future prediction information from the future prediction information browsing server.

FIG. 16 shows an example of a screen for confirming whether or not to obtain future prediction information from a future information viewing server.
The download confirmation screen 1601 has a Yes button 1602 and a No button 1603 for confirming the customer's intention.
When a customer identifier is entered into the user ID field on the customer registration screen of Figure 4 and the OK button is pressed, the simulation terminal checks whether future prediction information corresponding to the customer identifier is stored in the future prediction information viewing server, and if it is stored, displays the download confirmation screen shown in Figure 16.
When the Yes button is pressed, the simulation terminal may be configured to transmit a future prediction information output request to the future prediction information browsing server.
When the No button is pressed, the simulation terminal may accept the input of future prediction information again.

<Embodiment 3: Description of configuration Simulation terminal Future prediction information acquisition unit>
The 'future prediction information acquisition unit' 1518 acquires the future prediction information output by the future prediction information viewing server in response to the output future prediction information request.
The future prediction information transmitted from the future prediction information viewing server is acquired via a network through a communication means such as WiFi (registered trademark), LAN, or mobile communication.

<Embodiment 3: Description of configuration Simulation terminal Future prediction information storage unit>
The 'future prediction information storage unit' 1519 stores the acquired future prediction information in a future prediction information holding unit so that it can be used in simulations.
The future prediction information storage unit may be configured to temporarily record the future prediction information acquired by the future prediction information acquisition unit in a volatile memory.
Furthermore, if the future prediction information is recorded in a non-volatile memory, the recorded future prediction information may be erased when the operation of the simulation terminal is terminated.

Third embodiment: Hardware configuration: Simulation terminal
The configuration of the third embodiment has been described above, but the case where this is realized as a program or a control method is also within the scope of the present invention.
FIG. 17A is a block diagram showing the hardware configuration of a simulation terminal of the customer information system according to the third embodiment.
The simulation terminal of the customer information system of embodiment 3, in addition to the configuration of either embodiment 1 or embodiment 2, further has, in the non-volatile memory, a future prediction information output request output program, a future prediction information acquisition program, and a future prediction information storage program.

<Embodiment 3: Hardware Configuration of Future Prediction Information Viewing Server>
FIG. 17B is a block diagram showing the hardware configuration of the future prediction information viewing server of the customer information system of embodiment 3.
The future prediction information viewing server of the customer information system of embodiment 3 has, in addition to the configuration of either embodiment 1 or embodiment 2, a future prediction information output request acceptance program and a future prediction information output program in non-volatile memory.

<Embodiment 3: Method Future Prediction Information Viewing Server>
FIG. 18B is a flowchart showing the process flow of a control method for the future prediction information viewing server of the customer information system of embodiment 3.
The control method of the future prediction information viewing server of the customer information system of embodiment 3 further includes, in addition to the configuration of embodiment 1 or embodiment 2, a future prediction information output request receiving step S1829 and a future prediction information output step S1830.
Each step will be described below, but explanations of steps that overlap with the first or second embodiment will be omitted and only different steps will be described.

In the future prediction information output request receiving step S1829, if there is a future prediction information output request from the simulation terminal, the request is received and the customer identifier registered in the simulation terminal is acquired. If there is no future prediction information output request, the process proceeds to the next process.
Next, in a future prediction information output step S1830, the future prediction information corresponding to the customer identifier acquired in the future prediction information output request step is transmitted to the simulation terminal via the network.
If there is no request to output future prediction information in the future prediction information output request receiving step, the future prediction information output step is not performed.
Thereafter, the same processing as in the above embodiment is carried out.

<Embodiment 3: Method Simulation Terminal>
FIG. 18A is a flowchart showing the process flow of a control method for the future prediction information viewing server of the customer information system of embodiment 3.
The control method of the simulation terminal of the customer information system of embodiment 3 further includes, in addition to the configuration of embodiment 1 or embodiment 2, a future prediction information output request output step S1817, a future prediction information acquisition step S1818, and a future prediction information storage step S1819.
Each step will be described below, but explanations of steps that overlap with the first or second embodiment will be omitted and only different steps will be described.

It is checked whether future prediction information corresponding to the customer identifier registered in customer registration step S1811 is in the future prediction information browsing server (S1820), and if the information is present, the process proceeds to future prediction information output request output step S1817. If it is determined that the information is not present, the steps following the future prediction information input acceptance step are performed in sequence, as in the previous embodiments.
In the future prediction information output request output step S1817, the customer identifier is included in the future prediction information output request and transmitted to the future prediction information viewing server via the network.
Next, in a future prediction information acquisition step S1818, the future prediction information transmitted from the future prediction information viewing server is acquired.
Next, in a future prediction information storage step S1819, the acquired future prediction information is converted into a format that can be stored in a future prediction information storage step.
After the future prediction information storage step, the same processes as those in the embodiments described so far are carried out.

<Embodiment 3: Effects>
As described above, in the customer information system of the third embodiment, once the customer's future prediction information is stored in the future prediction information viewing server, the stored future prediction information can be obtained from the next simulation, so that there is no need to store future prediction information in the simulation terminal when no simulation is being performed. This means that the possibility of future prediction information being illegally leaked due to loss or hacking of the simulation terminal can be reduced. This results in a highly secure customer information system.

<Embodiment 4: (corresponding to claim 4)>
<Fourth embodiment: Overview>
The customer information system of the fourth embodiment allows the viewer to edit the future prediction information stored in the future prediction information viewing server by making corrections, additions, deletions, and so on.

<Embodiment 4: Configuration>
FIG. 19 is a block diagram showing the functional configuration of a future prediction information viewing server of the customer information system of the fourth embodiment.
The future prediction information viewing server of the customer information system of embodiment 4 is based on the configuration of any one of embodiments 1 to 3, and further has a future prediction information editing request receiving unit 1927, an editing authority determination unit 1928, and an editing unit 1929.
Hereinafter, each part will be described, but descriptions of configurations that overlap with those of the first and second embodiments will be omitted, and only different configurations will be described.

<Fourth embodiment: Description of configuration: Future prediction information viewing server Future prediction information editing request receiving unit>
The 'future prediction information edit request receiving unit' 1927 receives a request to edit future prediction information in association with authority information that is information indicating authority.
The "authority information" is information indicating the authority to edit the future prediction information of the customer in addition to the authority to view the future prediction information given to the viewer.
Therefore, it is desirable to give the authority to permit editing only to specific viewers who have obtained the consent of the customer.
The authority information is held in association with a customer identifier, and may be held as information indicating whether or not viewing is permitted and whether or not editing is permitted for the viewer identifier.
Another possible method is to associate a customer identifier with the password that allows editing and to require the user to enter the password when editing. With this method, only viewers who know the password can edit the document.

<Fourth embodiment: Description of configuration: Future prediction information viewing server: Editing authority determination unit>
The 'editing authority determination unit' 1928 determines whether or not editing of future prediction information is permitted based on the authority information.
When the editing authority acquired together with the editing request by the future forecast information editing request receiving unit indicates that editing is permitted, editing of the future forecast information of the viewing customer is permitted.
At this time, the future prediction information edit request receiving unit may be configured to obtain the editing authority of the viewer associated with the customer identifier corresponding to the future prediction information being viewed.
Also, the authority information may be a password, and if the password entered in the future prediction information edit request acceptance unit matches, editing of the viewing customer's future prediction information may be permitted.

<Fourth embodiment: Description of configuration, future prediction information viewing server, future prediction information editing request receiving unit, and example of future prediction information editing screen (before editing)>
FIG. 20A is a diagram showing an example of a future prediction information editing screen (before editing) 2010 when a viewer edits future prediction information.
In the illustrated example, the balance status is selected by the display selection switch 2001, and the customer's balance status is selected.
The screen display configuration is the same as that in FIG. 8B, but an edit button 2002 has been added.

The edit button is an example of a future forecast information edit request receiving unit; pressing the edit button outputs a request to edit future forecast information and switches to a screen where the future forecast information can be edited. At this time, whether or not the edit button can be pressed may be switched according to the authority of the viewer associated with the customer identifier. In other words, it is desirable to configure the edit button so that if the viewer has authority to edit the future forecast information of the customer being viewed and the edit authority determination unit determines that editing is possible, the edit button can be pressed, but if the viewer does not have the authority and the edit authority determination unit determines that editing is not possible, the edit button cannot be pressed.

You can also set it so that when the edit button is pressed, a password is required to be entered. The screen can be switched to one that allows editing only if the password entered by the viewer matches.

<Fourth embodiment: Description of configuration Future prediction information viewing server Editorial department>
The "editing section" 1929 allows editing of future prediction information when the editing authority decision section determines that editing is permitted.
Editing of future forecast information may involve changing the contents of the information, adding to information that is not already written, deleting information, and the like.
Therefore, it is conceivable to configure the system so that registered future prediction information is displayed and the contents thereof can be modified, added to, or deleted.

<Fourth embodiment: Description of configuration, future prediction information viewing server, editing department, example of future prediction information editing screen (after editing)>
FIG. 20B is a diagram showing an example of a future prediction information editing screen (after editing) 2020 when a viewer edits the future prediction information.
When the edit button is pressed and the edit authority decision section decides that the customer's future forecast information can be edited, the future forecast information editing screen is displayed as shown in the figure.
In the illustrated example, the net annual income column of the income column 2021 and the input columns for living expenses and housing expenses of the expenditure column 2022 are editable. The spouse's net annual income is entered as 1.1 million yen. Therefore, the total income and the difference are automatically updated. When the OK button is pressed, the edited content is confirmed and the future prediction information stored in the future prediction information storage unit is updated.

<Fourth embodiment: Hardware configuration of future prediction information viewing server>
The configuration of the fourth embodiment has been described above, but the case where this is realized as a program or a control method is also within the scope of the present invention.
FIG. 21 is a block diagram showing the hardware configuration of a future prediction information browsing server according to the fourth embodiment.
The future prediction information viewing server of the customer information system of embodiment 4, in addition to having the configuration of any one of embodiments 1 to 3, further has, in the non-volatile memory, a future prediction information editing request acceptance program, an editing authority determination program, and an editing program.

<Embodiment 4: Method Future Prediction Information Viewing Server>
FIG. 22 is a flowchart showing the process flow of a control method for the future prediction information viewing server of the customer information system of the fourth embodiment.
The control method of the future prediction information viewing server of the customer information system of the fourth embodiment further includes a future prediction information editing request receiving step S2230, an editing authority determining step S2231, and an editing step S2233, in addition to the configuration of any one of the first to third embodiments. Each step will be explained below, but explanations of steps that overlap with the first to third embodiments will be omitted, and only the different steps will be explained.

<Fourth embodiment: Processing flow of future prediction information browsing server>
In the future prediction information viewing step S2227, the future prediction information is viewed, and it is determined whether the viewer will edit it (S2229). If editing is to be performed, the process proceeds to the future prediction information editing request acceptance step S2230. If editing is not to be performed, the process proceeds to a determination of whether to end the process (S2228).
In future prediction information edit request receiving step S2230, an edit request from a viewer is received, and authority information is obtained.
Next, in an editing authority decision step S2231, it is decided whether editing is permitted or not based on the editing authority.
Next, it is determined whether the decision in the editing authority decision step allows editing (S2232), and if editing is allowed, the process proceeds to an editing step S2233. If editing authority is not granted, the process proceeds to a step of determining whether to end the process.
Next, in an editing step S2233, editing of the future prediction information by the viewer is accepted. The edited future prediction information is used to update the corresponding future prediction information stored in the future prediction information storage unit.
The above is the flow of the process added in the fourth embodiment.

<Embodiment 4: Effects>
As described above, the future prediction information viewing server of the customer information system of the fourth embodiment allows an authorized viewer to edit the future prediction information acquired from the simulation terminal when there is a change in the customer's current situation. This allows the viewer to update the customer's future prediction information to match the customer's current situation using information obtained from the customer.

<Embodiment 5: (corresponding to claim 5)>
<Fifth embodiment: Overview>
The future prediction information viewing server of the customer information system of the fifth embodiment can permit partial editing of future prediction information.

<Embodiment 5: Configuration>
FIG. 23 is a block diagram showing the functional configuration of a future prediction information viewing server of the customer information system of the fifth embodiment.
The future prediction information viewing server of the customer information system of embodiment 5 is based on the configuration of any one of embodiments 1 to 4, and further includes an editable range information storage unit 2330 and an editable range control unit 2331.

<Embodiment 5: Description of configuration: Future prediction information viewing server: Editing allowable range information storage unit>
The “editing allowable range information storage unit” 2330 stores editing allowable range information, which is information that associates the authority information type with information indicating the range of editing permitted, and which has multiple authority types depending on the range of editing permitted.
The editing permission range information storage unit stores in a non-volatile memory editing permission range information in which an authority type is associated with each range of the above-mentioned future prediction information.
The editing allowable range information may be determined in advance by an administrator of the customer information system of the present invention, or may be set by the customer together with future forecast information.

The "type of authority" may be the strength of the authority to permit editing, and may be restricted, for example, at levels such as "high,""medium," and "low."
In this case, the range for which "low" authority is set is a range that can be edited even by a viewer with the lowest editing authority.
Moreover, the range in which the authority level "medium" is set is the range in which editing can be performed by viewers who have editing authority level "medium" or higher.
Moreover, the range for which the authority "high" is set is a range that can be edited only by viewers who have the editing authority "high."

The scope of permitted editing may be determined, for example, for each item of information constituting the future prediction information.
Therefore, in the case of future prediction information, for example, income, the individual's annual income, the spouse's annual income, and the annual income of other family members may all be in different ranges and different types of authority may be set, or all incomes may be in the same range and managed with one type of authority.

<Embodiment 5: Description of configuration Future prediction information viewing server Editable range control unit>
The 'editable range control section' 2331 controls the range of editing permitted by the editing section based on the editable range information when the editing authority determination section determines that editing is permitted.
If the editable range control unit determines whether editing is possible based on the authority information received by the future prediction information editing request receiving unit and the edit permission range information associated with the range that corresponds to the information that the viewer wishes to edit in the editing unit, it enables editing in the editing unit.
If the editable range control unit determines that the content is not within the editable range, the edit unit does not accept any edits made by the viewer.

Fifth embodiment: Hardware configuration
The configuration of the fifth embodiment has been described above, but the case where this is realized as a program or a control method is also within the scope of the present invention.
FIG. 24 is a block diagram showing the hardware configuration of a future prediction information viewing server of the customer information system of the fifth embodiment.
The future prediction information viewing server of the customer information system of the fifth embodiment further includes, in addition to the configuration of the fourth embodiment, an editable range information holding program and an editable range control program in the non-volatile memory 2423 .

<Embodiment 5: Method>
FIG. 25 is a flowchart showing the process flow of a control method for the future prediction information browsing server of the customer information system of the fifth embodiment.
The control method of the future prediction information viewing server of the customer information system of the fifth embodiment further includes an edit allowable range information holding step 2534 and an editable range control step 2535 in addition to the configuration of the fourth embodiment.
Each step will be described below, but the description of steps that overlap with the fifth embodiment will be omitted.
When the process starts, a step S2534 of storing permissible edit range information is executed.
The edit tolerance information storage step S2534 is executed when there is a change in the setting of the edit tolerance information indicating the authority of the editable range, and does not have to be executed if there is no change in the edit tolerance information since the previous execution.
If it is determined in the editing authority determination step S2531 that editing is permitted (determined as Y in S2532), the process proceeds to an editable range control step S2535.
In the editable range control step S2535, a range that can be edited by the viewer who performs editing is determined, and control is performed so that editing in that range is accepted.
Next, in an editing step S2533, edits from the viewer are accepted.

<Embodiment 5: Effects>
As described above, the extent to which the viewer can edit future prediction information can be set for each piece of information, so that, for example, editing of information that the customer does not want to be edited can be restricted so that it cannot be edited.

<Embodiment 6: (corresponding to claim 6)>
<Sixth embodiment: Overview>
When future prediction information is edited, the future prediction information viewing server of the customer information system of embodiment 6 stores the future prediction information before and after editing as editing update history information, and can output and reference it later.

Sixth embodiment: Configuration
FIG. 26 is a block diagram showing the functional configuration of a future prediction information viewing server of the customer information system of the sixth embodiment.
The future prediction information browsing server of the customer information system of the sixth embodiment is based on the configuration of the first to fifth embodiments, and further includes an editing update history information storage unit 2630 and an editing update history information output unit 2631.
Each part will be described below, but descriptions of configurations that overlap with the above-mentioned embodiment will be omitted.

<Sixth embodiment: Description of configuration: Future prediction information browsing server: Editing update history information storage unit>
The 'edit update history information storage unit' 2630 stores edit update history information which is information indicating the edit update history in the editing unit.
The "edit update history information" is information that allows the user to know the contents of updates made to the future prediction information later. For example, the system may be configured to hold both the future prediction information before the update and the future prediction information after the update.
When future forecast information before the update is compared with future forecast information after the update, the difference can be said to be information that has been edited or updated.
The editing update history information storage unit can be designed to store updated future prediction information every time an update occurs. In this way, all updated future prediction information is stored, making it possible to refer to all change histories later.

<Embodiment 6: Description of configuration: Future prediction information viewing server: Editing update history information output unit>
The 'edit update history information output unit' 2631 outputs the held edit update history information.
When a request for output of the editing update history information is received from a customer or a viewer, the editing update history information output unit may output the editing update history information.
In this case, it is possible to configure the system so that the edited and updated information is displayed on the screen and is visually confirmed by the customer or viewer.
It is advisable to limit viewers to those with editing privileges.

Sixth embodiment: Hardware configuration
The configuration of the sixth embodiment has been described above, but the case where this is realized as a program or a control method is also within the scope of the present invention.
FIG. 27 is a block diagram showing the hardware configuration of a future prediction information viewing server of the customer information system of the sixth embodiment.
In addition to the configuration of embodiment 4 or embodiment 5, the future prediction information viewing server of the customer information system of embodiment 6 further has an editing update history information holding program and an editing update history information output program in the non-volatile memory 2723.

<Embodiment 6: Method>
FIG. 28 is a flowchart showing the process flow of a control method for the future prediction information viewing server of the customer information system of embodiment 6.
The control method of the future prediction information viewing server of the customer information system of the sixth embodiment further includes an editing update history information holding step 2834 and an editing update history information output step 2835 in addition to the configuration of the fourth or fifth embodiment.
Each step will be described below, but the description of steps that overlap with the fourth or fifth embodiment will be omitted.

<Sixth embodiment: Processing flow>
In edit update history information holding step S2834, when the edited contents in the edit step 2833 are confirmed, the edited future prediction information is held in a non-volatile memory.
Next, in an edit update history information output step S2835, if there is a request from the customer or viewer to output the edit update history information, the edit update history information held in the edit update history information holding step is output in sequence in response to the instruction.

<Embodiment 6: Effects>
As described above, according to the future prediction information viewing server of the customer information system of embodiment 6, when, who, and how future prediction information was edited are recorded, and the information can be restored to its previous state, thereby ensuring the safety of the data.

<Embodiment 7: (corresponding to claim 7)>
Seventh embodiment: Overview
The future prediction information viewing server of the customer information system of the sixth embodiment can restrict the range of viewable information when a viewer views future prediction information on the future prediction information viewing section.

Seventh embodiment: Configuration
FIG. 29 is a block diagram showing the functional configuration of a future prediction information viewing server of the customer information system of the seventh embodiment.
The future prediction information viewing server of the customer information system of embodiment 7 is based on the configuration of any one of embodiments 1 to 6, and further has a viewable range control unit 2927, a viewing request receiving means 2929 with viewable range information, and a future prediction information viewing control unit 2928.

<Embodiment 7: Description of Configuration: Viewable Range Control Unit>
The 'viewable range control unit' 2927 controls the restriction of the viewable range that can be viewed by the future prediction information viewing unit of the future prediction information viewing server in accordance with the viewer.
The "viewable range" is the range that the viewer determines as viewable by setting whether each item in the future forecast information is viewable or not. Therefore, the viewer can only view information within the viewable range.
The viewable range control unit acquires the viewer identifier of the viewer, and acquires the viewing authority of the viewer identifier for the future prediction information that the viewer wishes to view.
For example, the viewable range including information that can identify an individual may be given only to viewers who are in charge of the relevant customer. Other viewers may be given a viewable range that does not include information that can identify an individual.
It is also conceivable to provide a viewing level for the viewer, and to assign a viewing level to each item of future prediction information.

<Embodiment 7: Description of configuration: Viewing request receiving unit: Viewing request receiving means with viewable range information>
The 'viewing request with viewable range information receiving means' 2929 receives the viewing request by associating the viewing request with viewable range information, which is information indicating the viewable range.
The view request with viewable range receiving means associates the viewable range information acquired by the viewable range control unit with the received view request and passes it to the future prediction information view control unit.

Seventh embodiment: Description of configuration: Future prediction information viewing control unit
The "future prediction information viewing control unit" 2928 controls the future prediction information viewing unit based on the viewable range information associated with the received viewing request when the viewing request judgment unit judges whether to permit the viewing request and judges that the viewing request is to be permitted.
For the range that is viewable according to the viewable range information, the corresponding information is displayed in the future prediction information viewing section and made viewable.
Future prediction information that falls within a range that is determined to be viewable is displayed as is, but future prediction information that falls within a range that is determined to be unviewable may be displayed as is or may be shaded to make the information unviewable.
It is also possible to control the future prediction information viewing unit so that display columns for ranges that cannot be viewed are not displayed.

Seventh embodiment: Hardware configuration
The configuration of the seventh embodiment has been described above, but the case where this is realized as a program or a control method is also within the scope of the present invention.
FIG. 30 is a block diagram showing the hardware configuration of a future prediction information viewing server of the customer information system of the seventh embodiment.
The future prediction information viewing server of the customer information system of embodiment 7, in addition to having the configuration of any one of embodiments 1 to 6, further has, in the non-volatile memory 3023, a viewable range control program, a viewing request acceptance subprogram with viewable range information, and a future prediction information viewing control program.

<Embodiment 7: Method>
FIG. 31 is a flowchart showing the process flow of a control method for the future prediction information browsing server of the customer information system of the seventh embodiment.
The control method of the future prediction information viewing server of the customer information system of embodiment 7 has, in addition to the configuration of any one of embodiments 1 to 6, a viewable range control step S3129, a viewing request acceptance sub-step S3130 with viewable range information, and a future prediction information viewing control step S3131.
Each step will be described below, but the description of steps that overlap with the above-described embodiment will be omitted.

<Seventh embodiment: Processing flow>
A viewable range control step S3129 acquires viewable range information for controlling restrictions on the viewable range from the viewer identifier of the viewer.
A viewing request receiving step S3124 receives a viewing request from a viewer, and a viewing request with viewable range receiving sub-step S3130 associates the viewing request with viewable range information.
In the future prediction information viewing control step S3131, the viewable range of the future prediction information for which a viewing request has been accepted is displayed on the future prediction information viewing unit based on the viewable range information, thereby making the information viewable.

<Embodiment 7: Effects>
As described above, according to the customer information system of the seventh embodiment, it is possible to set the scope of access to future prediction information. This allows the scope of access to be expanded by keeping information that can identify an individual private and allowing other information to be accessed, thereby improving the efficiency of information usage.

<Embodiment 8: (corresponding to claim 8)>
<Embodiment 8: Overview>
The future prediction information viewing server of the customer information system of the eighth embodiment can set search conditions for a plurality of pieces of stored future prediction information and extract future prediction information that matches the conditions.

<Embodiment 8: Configuration>
FIG. 32 is a block diagram showing the functional configuration of a future prediction information viewing server of the customer information system of the eighth embodiment.
The future prediction information viewing server of the customer information system of embodiment 8 is based on the configuration of any one of embodiments 1 to 7, and further has a search key acquisition unit 3227, a future prediction information search unit 3228, and a future prediction information search result output unit 3229.
Each part will be described below, but descriptions of configurations that overlap with the above-described embodiment will be omitted.

<Embodiment 8: Description of configuration: Future prediction information browsing server: Search key acquisition unit>
The 'search key acquisition unit' 3227 acquires a search key which is a key for searching future prediction information stored in the storage unit.
The "search key" is a key for setting a predetermined condition for future prediction information and searching for matching future prediction information.
For each item of future forecast information, it is possible to specify a range such as when it matches a specified condition or when it is greater than or equal to the specified condition.
For example, it may be possible to search for married customers or customers who have children.
In addition, it is possible to set a condition that the annual income in the future prediction information is 5 million yen or more, and that the amount of assets held is 10 million yen or more.

<Embodiment 8: Description of configuration: Future prediction information viewing server Future prediction information search unit>
The 'future prediction information search unit' 3228 searches for future prediction information based on the obtained search key.
The future prediction information search unit searches the future prediction information stored in the future prediction information storage unit for future prediction information that matches the conditions based on the search key.
To search means to compare all future forecast information stored in the future forecast information storage unit with information that meets the conditions specified by the search key, and to extract future forecast information that matches the conditions. At this time, a customer identifier associated with the matching future forecast information may be output. In this way, a list of customer identifiers searched for by the search key is created, and future forecast information may be extracted later based on the customer identifier.

<Embodiment 8: Description of configuration: Future prediction information viewing server; Future prediction information search result output unit>
The 'future prediction information search result output unit' 3229 outputs the search results in the future prediction information search unit.
The search results may display a list of customer identifiers.
Also, the item of future forecast information that is the search key may be displayed in association with the customer identifier.
The future prediction information may be sorted based on the corresponding item.
For example, when asset amount is specified as a search key, it is conceivable to sort the assets in descending order of asset amount.
Furthermore, the customer identifiers having viewing authority may be displayed in a different color so that it is easy to tell that viewing is possible.

<Embodiment 8: Hardware Configuration>
The configuration of the eighth embodiment has been described above, but the case where this is realized as a program or a control method is also within the scope of the present invention.
FIG. 33 is a block diagram showing the hardware configuration of a future prediction information viewing server of the customer information system of the eighth embodiment.
The future prediction information viewing server of the customer information system of embodiment 8, in addition to having the configuration of any one of embodiments 1 to 7, further has, in the non-volatile memory 3323, a search key acquisition program, a future prediction information search program, and a future prediction information search result output program.

<Embodiment 8: Method>
FIG. 34 is a flowchart showing the process flow of a control method for the future prediction information viewing server of the customer information system of embodiment 8.
The control method of the future prediction information viewing server of the customer information system of embodiment 8 has, in addition to the configuration of any one of embodiments 1 to 7, a search key acquisition step S3429, a future prediction information search step S3430, and a future prediction information search result output step S3431.
Each step will be described below, but the description of steps that overlap with the above-described embodiment will be omitted.

<Embodiment 8: Processing Flow>
In a search key acquisition step S3429, search conditions for future prediction information designated by the customer are acquired as a search key.
Next, in a future prediction information search step S3430, future prediction information stored in the future prediction information storage unit is searched for according to the search key.
Next, in a future prediction information search result output step S3431, future prediction information that matches the search conditions is output and displayed in the future prediction information viewing section.

<Embodiment 8: Effects>
As described above, according to the future prediction information viewing server of the customer information system of the eighth embodiment, desired future prediction information can be easily found.

<Embodiment 9: (corresponding to claim 9)>
<Embodiment 9: Overview>
The future prediction information viewing server of the customer information system of the ninth embodiment can perform searches based on search key acquisition rules in addition to searches related to future prediction information items.
For example, you can use the asset management status as a search key, or search for clients with portfolios that are expected to perform poorly in the future.

<Embodiment 9: Configuration>
FIG. 35 is a block diagram showing the functional configuration of a future prediction information viewing server of the customer information system of embodiment 9.
The future prediction information viewing server of the customer information system of embodiment 9 is based on the configuration of any one of embodiments 1 to 8, and further includes a search key acquisition rule storage unit 3530 and a search key acquisition control unit 3531.
Each part will be described below, but descriptions of configurations that overlap with the above-mentioned embodiment will be omitted.

<Embodiment 9: Description of Configuration: Search Key Acquisition Rule Storage Unit>
'Search key acquisition rule storage unit' 3530 is configured to store search key acquisition rules.
Here, the "search key acquisition rule" refers to a rule for setting a search key other than information input by a customer of future forecast information.
For example, a search key can be obtained according to the progress rate of assets against a life event target amount. Specifically, it is possible to search for clients whose assets have already reached the target amount, or clients whose asset management performance is poor and who are expected to need a review of their portfolio because they are in danger of not reaching their target amount.
In the above example, the search key acquisition rule is a method for acquiring the progress rate of assets toward the target amount of a life event.
The search key acquisition rule storage unit stores the above-mentioned search key acquisition rules in a non-volatile memory.

<Embodiment 9: Description of configuration: Search key acquisition control unit>
The 'search key acquisition control unit' 3531 causes the search key acquisition unit to acquire a search key based on the stored search key acquisition rules.
For example, if the search key acquisition rule is the progress rate of assets against the target amount of a life event, the search key acquisition control unit displays a screen for specifying the progress rate of assets and causes the search key acquisition unit to acquire the progress rate as a search key.
The progress rate may be specified, for example, as a range of more than or less than a certain percentage.

Ninth Embodiment: Hardware Configuration
The configuration of the ninth embodiment has been described above, but the case where this is realized as a program or a control method is also within the scope of the present invention.
FIG. 36 is a block diagram showing the hardware configuration of a future prediction information viewing server of the customer information system of embodiment 9.
The future prediction information viewing server of the customer information system of the ninth embodiment further includes, in addition to the configuration of the eighth embodiment, a search key acquisition rule holding program and a search key acquisition control program in the non-volatile memory.

<Embodiment 9: Method>
FIG. 37 is a flowchart showing the process flow of a control method for the future prediction information viewing server of the customer information system of embodiment 9.
The future prediction information viewing server method for a customer information system according to the ninth embodiment further includes a search key acquisition rule holding step S3732 and a search key acquisition control step S3733 in addition to the configuration of the eighth embodiment.
Each step will be described below, but the description of steps that overlap with the above-described embodiment will be omitted.

<Ninth embodiment: Processing flow>
A search key acquisition rule storage step S3732 stores the search key acquisition rule in a non-volatile memory. The search key acquisition rule storage step does not need to be performed if the search key acquisition rule has not been updated, and may be performed before the search key acquisition control step.
In the search key acquisition control step S3733, when a viewer performs a search based on a search key acquisition rule, the search key acquisition rule corresponding to the search content is read from the search key acquisition rule storage unit, and preparations are made for acquiring a search key in the search key acquisition step.

<Embodiment 9: Effects>
As described above, according to the future prediction information viewing server of the customer information system of embodiment 9, in addition to the items of future prediction information entered by the customer, it is also possible to obtain and search search keys based on the current situation, such as the asset management status.
Therefore, it becomes possible to search for customers according to their circumstances, such as customers with good investment performance who have already achieved their target amount, and customers with poor investment performance who are in danger of not achieving their target amount, and this can be used to suggest to customers a recombination of investment financial products, etc.

<Embodiment 10: (corresponding to claim 10)>
<Embodiment 10: Overview>
The future prediction information viewing server of the customer information system of embodiment 10 can obtain information on the period until a customer's life event occurs and can search for customers for whom a life event is about to occur (for example, a life event is scheduled to occur within a certain number of months).

Tenth embodiment: Configuration
FIG. 38 is a block diagram showing the functional configuration of a future prediction information viewing server of the customer information system of the tenth embodiment.
The future prediction information viewing server of the customer information system of the tenth embodiment is based on the configuration of any one of the first to ninth embodiments and further includes a time information acquisition unit 3832 .
Each part will be described below, but descriptions of configurations that overlap with the above-described embodiment will be omitted.

<Embodiment 10: Description of Configuration: Time Information Acquisition Unit>
The 'acquiring unit for time information' 3832 acquires time information.
Here, "time information" is, for example, information indicating the current date.
The time information acquisition unit acquires the current date, and the period until a future life event is determined by subtracting the current date from the date when the customer's life event occurred.
Using the period until the desired customer's life event as a search key, it is possible to search for customers whose life events will occur within the next three months, the next six months, or the next year, for example.
In addition, the system may be configured so that a customer or a customer sales representative at a financial institution or the like who is in charge of the customer can select one or more life events from a number of life events (including, but not limited to, child-rearing/education, housing, automobiles, retirement/second life, and other events) as one of the search conditions.
The system may also be configured to search for information related to past life events from the acquired time information. A customer or a customer sales representative of a financial institution or the like who is in charge of the customer can utilize information related to past life events (including, for example, information on whether a goal was achieved) by checking information related to past life events again. In addition, the experience learned from information related to past life events can be utilized to provide meaningful consultations and proposals for future life events.
Furthermore, the search results may be configured to be output as a notification alarm to the customer or a customer sales representative of the financial institution or the like who is in charge of the customer, via communication means such as email or SNS.

Tenth Embodiment: Hardware Configuration
The configuration of the tenth embodiment has been described above, but the case where this is realized as a program or a control method is also within the scope of the present invention.
FIG. 39 is a block diagram showing the hardware configuration of a future prediction information viewing server of the customer information system of embodiment 10.
The future prediction information viewing server of the customer information system of the tenth embodiment further includes a time information acquisition program in the non-volatile memory in addition to the configuration of the ninth embodiment.

<Embodiment 10: Method>
FIG. 40 is a flowchart showing the process flow of a control method for the future prediction information viewing server of the customer information system of embodiment 10.
The control method of the future prediction information viewing server of the customer information system of the tenth embodiment further includes a time information acquisition step S4034 in addition to the configuration of the ninth embodiment.
Each step will be described below, but the description of steps that overlap with the above-described embodiment will be omitted.

<Tenth embodiment: Processing flow>
In time information acquisition step S4034, information relating to the current date is acquired as time information.
A search key acquisition control step S4033 performs control so that a period until a life event is acquired as a search key by the search key acquisition unit from the time information acquired in the time information acquisition step.

<Embodiment 10: Effects>
As described above, the customer information system of embodiment 10 makes it possible to search for customers who are about to experience a life event, thereby making it possible to check whether the customer's assets are adequate for the life event and to propose a new asset formation plan for after the life event.

<Embodiment 11: (corresponding to claim 11)>
<Embodiment 11: Overview>
The future forecast information viewing server of the customer information system of the eleventh embodiment can search for customers using search keys such as the management company managing the customer's assets, the type of financial product, and the customer's asset amount.

<Embodiment 11: Configuration>
The future prediction information browsing server of the customer information system of the eleventh embodiment has the same configuration as that of the ninth or tenth embodiment, for example.

<Embodiment 11: Description of Configuration: Future Prediction Information Storage Unit>
For example, the “future forecast information storage unit” 3522 ( FIG. 35 ) of embodiment 11 stores future forecast information, and the future forecast information is configured to include, for each customer, one or more pieces of information regarding the type of financial assets (including stock information), the amount of financial assets, and the provider of financial asset services (such as an investment management institution's fund or a securities company).

<Embodiment 11: Description of Configuration: Search Key Acquisition Rule Storage Unit>
For example, the “search key acquisition rule storage unit” 3530 ( FIG. 35 ) of embodiment 11 stores search key acquisition rules, and the search key acquisition rules are configured to include rules for performing searches based on one or more pieces of information including the amount of financial assets for each customer, the type of financial assets (including stock information), and the provider of financial asset services (such as an investment management institution's fund or a securities company).
In addition, the system may be configured so that an administrator of the customer information system of the present invention or a customer sales representative of a financial institution, etc., uses a pre-specified financial product as a search key to search the future forecast information stored in the future forecast information storage unit, and extracts customers who hold that financial product.

Eleventh Embodiment: Hardware Configuration
The hardware configuration of the future prediction information browsing server of the customer information system of the eleventh embodiment is the same as the hardware configuration shown in FIG. 36, for example.

<Embodiment 11: Method and process flow>
The process flow of the control method of the future prediction information viewing server of the customer information system of the eleventh embodiment is the same as that of the flowchart of FIG.
The search key acquisition control step S3733 (FIG. 37) acquires search key acquisition rules relating to the amount and type of the client's financial assets and the service provider, and performs control so as to acquire the search key relating to the client's financial assets described above.

<Embodiment 11: Effects>
As described above, according to the customer information system of the eleventh embodiment, it is possible to search for a customer using search keys such as the management company managing the customer's assets, the type of financial product, and the customer's asset amount.

<Embodiment 12: (corresponding to claim 12)>
<Twelfth embodiment: Overview>
The future forecast information viewing server of the customer information system of embodiment 12 automatically performs searches on a regular basis using a specified search key, and outputs the results to the sales representative in charge of customers who match the search key or to the customers themselves.

<Embodiment 12: Configuration>
FIG. 41 is a block diagram showing the functional configuration of a future prediction information viewing server of the customer information system of the twelfth embodiment.
The future prediction information viewing server of the customer information system of the twelfth embodiment is based on the configuration of any one of the first to eleventh embodiments and further includes an automatic output means 4130 .
Each part will be described below, but descriptions of configurations that overlap with the above-described embodiment will be omitted.

<Embodiment 12: Description of configuration Future prediction information browsing server Search result output unit Automatic output means>
The “automatic output means” 4130 automatically executes the future prediction information search section based on the search key acquisition rules stored in the search key acquisition rule storage section, and automatically outputs the future prediction information searched as a result of that execution based on predetermined rules.
The automatic execution of the future prediction information search section may be performed periodically, for example, at a period set in the future prediction information viewing server by an administrator of the customer information system of the present invention.
In addition, the search results may be output to the searched customer as a notification alarm via email, SNS, or the like.
It is preferable to configure the system so that a notification alarm is sent via email, SNS, or the like to a customer sales representative at the financial institution or other institution in charge of the customer, rather than to the customer.

<Embodiment 12: Hardware Configuration>
The above is the configuration of the twelfth embodiment, but the case where this is realized as a program or a control method is also within the scope of the present invention.
FIG. 42 is a block diagram showing the hardware configuration of a future prediction information viewing server of the customer information system of embodiment 12. As shown in FIG.
The future prediction information viewing server of the customer information system of the twelfth embodiment has the configuration of any one of the eighth to eleventh embodiments, and in addition, the future prediction information search result output program further has an automatic output subprogram.

<Embodiment 12: Method>
FIG. 43 is a flowchart showing the process flow of a control method for the future prediction information viewing server of the customer information system of embodiment 12.
The control method of the future prediction information viewing server of the customer information system of embodiment 12 has the same configuration as any one of embodiments 8 to 11, and in addition, the future prediction information search result output step S4331 further has an automatic output sub-step S4332.
Each step will be described below, but the description of steps that overlap with the steps described above will be omitted.

<Twelfth embodiment: Processing flow>
In the automatic output substep S4332, the search results are automatically output in the future prediction information search result output step S4331, and the sales representative in charge of the searched customer or the customer is notified of the search results by a communication means such as email.
At this time, the contents of the conditions that became the search keys are also notified to the sales person in charge of the customer or to the customer.

<Embodiment 12: Effects>
As described above, according to the customer information system of the twelfth embodiment, a notification can be sent by e-mail or the like to the sales representative in charge of a customer who is searched for using the content set in the search key. This allows the sales representative in charge of a customer or the customer to be notified when a life event is approaching, eliminating the need to make hasty preparations just before the life event.

<Embodiment 13: (corresponding to claim 13)>
<Embodiment 13: Overview>
The future prediction information viewing server of the customer information system of embodiment 13 is characterized in that the future prediction information storage unit is provided with an automatic information organizing means for automatically organizing acquired future prediction information based on the associated customer identifier.
In addition, when the functional configuration, hardware configuration, and processing flow of this embodiment overlap with those of the above-mentioned embodiments, the description will be omitted as appropriate.

<Embodiment 13: Configuration>
FIG. 44 is a diagram showing the functional configuration of a future prediction information viewing server of the customer information system of embodiment 13. In FIG.
The future prediction information browsing server of the customer information system of the thirteenth embodiment is based on the configuration of any one of the first to twelfth embodiments, and further includes an automatic information sorting means 4403 .

<Embodiment 13: Description of configuration: Future prediction information viewing server Future prediction information storage unit Automatic information organization means>
The 'automatic information organizing means' 4403 is configured to have a function of automatically organizing the acquired future prediction information based on the associated customer identifier.
For example, the automatic information organization means may analyze the acquired future prediction information and automatically organize it into indexes related to the future prediction information, such as "customer information,""income and expenditure situation,""assetsituation,""lifeevents," and "interview records," based on the customer identifier.
Also, for example, the automatic information sorting means may sort the information into a customer list based on the customer identifier and store the list in the future forecast information storage unit, as shown in FIG.
At this point, the customer list is simply created based on the customer identifier, and is not associated with individual identification information, which is specific information that identifies the customer.

Furthermore, for example, in the functional configuration of the second embodiment shown in FIG. 11, it is also possible to provide an automatic information sorting means for the future prediction information accumulation unit 1122 .
In this case, since the personal identification information is stored in the personal identification information storage unit 1128 in association with the customer identifier, it becomes possible to link the future prediction information and the personal identification information to the customer identifier.
However, since the personally identifiable information is personal information of the customer, confidentiality control becomes extremely important.
In particular, with regard to personally identifiable information, information on whether the customer has given permission for disclosure/non-disclosure is required in advance, and it is desirable to configure the personally identifiable information stored in the personally identifiable information storage unit so that the sales representative in charge of that customer can view the personally identifiable information stored in the personally identifiable information storage unit only if the customer has given permission for disclosure.

<Embodiment 13: Future prediction information viewing server: hardware configuration>
The hardware configuration of the future prediction information viewing server in this embodiment will be described with reference to the drawings.

Figure 45 is a diagram showing the hardware configuration of the future prediction information viewing server in this embodiment. As shown in this figure, the future prediction information viewing server in this embodiment is equipped with a "CPU (Central Processing Unit)" 4501 that performs various calculation processes, and a "main memory" 4502. It also has a "non-volatile memory" 4503 that stores specified information, and a "LAN interface" 4508 that transmits and receives information to and from information terminals used by customers or customer sales representatives of financial institutions etc. who are in charge of the customers.

The "main memory" here reads out programs that perform various processes so that the "CPU" can execute them, and also provides a work area that is a working area for those programs. In addition, multiple addresses are assigned to this "main memory" and "non-volatile memory," and the programs executed by the "CPU" can identify and access those addresses to exchange data with each other and perform processing. In this embodiment, the programs stored in the "main memory" and "non-volatile memory" are automatic information organization subprograms. In addition, the "main memory" and "non-volatile memory" store future prediction information, customer identifiers/viewer identifiers, viewing requests, etc.

The "CPU" executes an automatic information sorting subprogram stored in the "main memory" to automatically sort the future forecast information acquired via the "LAN interface" based on the associated customer identifier. It also stores the future forecast information, etc. in the "main memory" and "non-volatile memory."

<Embodiment 13: Future prediction information viewing server: Processing flow>
46 is a diagram showing a process flow when a future prediction information viewing server in this embodiment is used. As shown in the diagram, this is a processing method including an automatic information sorting sub-step S4603.

The "automatic information organization substep" S4603 is a step in which future forecast information is automatically organized based on a customer identifier associated with the acquired future forecast information.

<Embodiment 13: Effects>
As described above, according to the customer information system of embodiment 13, the acquired future prediction information can be automatically organized based on the associated customer identifier. Also, the acquired future prediction information can be organized and stored in a customer list based on the associated customer identifier. Furthermore, it is possible to associate the information with personal identification information. This makes it easier to manage future prediction information on the future prediction information viewing server.

<Embodiment 14: (corresponding to claim 14)>
<Embodiment 14: Overview>
The future prediction information viewing server of the customer information system of embodiment 14 is characterized in that it has a personal identification information input unit that inputs customer information of a customer system owned by one or more other corporations as personal identification information via an API (an abbreviation for Application Programming Interface, referring to an interface used when software programs exchange information with each other; the same applies below) or the like, and a personal identification information output unit that outputs the customer's personal identification information stored in the personal identification information storage unit to the customer system owned by one or more other corporations via the API or the like.
In addition, when the functional configuration, hardware configuration, and processing flow of this embodiment overlap with those of the above-mentioned embodiments, the description will be omitted as appropriate.

<Embodiment 14: Configuration>
FIG. 47 is a diagram showing the functional configuration of a future prediction information viewing server of the customer information system of embodiment 14.
The future prediction information viewing server of the customer information system of the fourteenth embodiment is based on the configuration of any one of the first to thirteenth embodiments, and further includes an individual identifying information input unit 4709 and an individual identifying information output unit 4710 .

<Embodiment 14: Description of configuration: Future prediction information browsing server: Personal identification information input unit>
The 'personal identification information input unit' 4709 is configured to have a function of inputting customer information of a customer system owned by one or more other corporations as the customer's personal identification information via an API or the like.
Here, "corporation" refers to an institution (including, but not limited to, banks, securities companies, insurance companies, etc.) that handles financial products (including, but not limited to, deposits, insurance, stocks, foreign exchange, bonds, investment trusts, and derivatives derived therefrom).
There are several types of banks, including city banks, regional banks, credit unions, other banks (including, for example, Japan Post Bank), and online banks.
Generally, there are two types of insurance companies: life insurance companies and non-life insurance companies.
A typical example of a customer system owned by a "corporation" is a CRM (Customer Relationship Management) system. CRM stands for Customer Relationship Management, and its purpose is to manage customer information, behavioral history, and relationships with customers, and to build and promote good relationships with customers.
The CRM system is used to centrally manage customer information and strengthen relationships with customers.
The main functions of the CRM system are as follows:
(1) Customer information management (centrally managing and sharing customer names, contact information, past transaction history, etc.)
(2) Data analysis (accumulated data can be analyzed to understand customer purchasing trends and needs.)
(3) Distribution of e-mail newsletters (distributing e-mail newsletters in order to provide optimal approaches and product proposals to customers).
For example, the personal identification information input unit 4709 may input customer information held in a customer system (e.g., a CRM system, etc.) 4712 owned by one or more corporations that handle the financial products currently being managed by the customer, as the personal identification information of the customer via an API, etc.
In addition to the API, the customer information may be transferred from the above-mentioned customer system in a specific file format via a file transfer protocol (e.g., FTP (File Transfer Protocol)) and input as the customer's personal identification information. Here, an example of the specific file format is a CSV file.

<Embodiment 14: Description of configuration: Future prediction information browsing server: Individual identification information output unit>
The 'personally identifiable information output unit' 4710 is configured to have the function of outputting the customer's personally identifiable information stored in the personally identifiable information storage unit to a customer system owned by one or more other corporations via an API or the like.
For example, the personally identifiable information output unit 4710 may output the customer's personally identifiable information stored in the personally identifiable information storage unit via an API or the like to a customer system (e.g., a CRM system, etc.) 4712 owned by one or more corporations that handle the financial products currently being managed by the customer.
In this case, since the personally identifiable information is personal information of the customer, confidentiality management is extremely important. In particular, for personally identifiable information, the customer's permission for disclosure/non-disclosure is required in advance, and the information may be configured to be output to a customer system (CRM system) owned by a single corporation only if the customer permits disclosure. If there are multiple customer systems (CRM systems), the system may be configured in the same manner as above.
For example, consider the case of a huge financial group such as a megabank. In this case, by associating personal identification information between multiple corporations belonging to the financial group, a system can be constructed that allows each corporation to share information held about a specific customer. For example, an individual's financial assets may be managed by multiple corporations, and the financial assets usually fluctuate. Therefore, by sharing such information between multiple corporations, corporations such as financial institutions can provide better services to their customers, and the customer information system of the present invention can perform more precise simulations. For example, a customer may not fully understand his or her financial assets, and in such a case, accurate simulations may not be possible if the input of future forecast information is entirely relied upon by the customer. Therefore, as in this embodiment, it is possible to configure the system so that customer information can be obtained from other financial institutions, enabling more accurate simulations. It is possible to configure the system so that information about customers of other financial institutions, etc. can be obtained and held in a future forecast information viewing server and then transmitted to a simulation terminal, and transmitted to the simulation terminal when a simulation of the relevant customer is performed, and the simulation terminal obtains the information at a future forecast information input receiving unit and uses it for the simulation.
The "personal identification information" in this embodiment may be the so-called My Number ("personal number").
In addition to the API, the system may be configured to transfer the customer's personally identifiable information stored in the personally identifiable information storage unit in a specified file format via a file transfer protocol (e.g., FTP (File Transfer Protocol)) and output it to a customer system (e.g., a CRM system, etc.) owned by one or more corporations that handle the financial products currently being managed by the customer. Here, an example of the specified file format is a CSV format file.

<Embodiment 14: Future prediction information viewing server: hardware configuration>
The hardware configuration of the future prediction information viewing server in this embodiment will be described with reference to the drawings.

Figure 48 is a diagram showing the hardware configuration of a future prediction information viewing server in this embodiment. As shown in this figure, the future prediction information viewing server in this embodiment is equipped with a "CPU (Central Processing Unit)" 4801 that performs various calculation processes, and a "main memory" 4802. It also has a "non-volatile memory" 4803 that stores specified information, and a "LAN interface" 4808 that transmits and receives information to and from information terminals used by customers or customer sales representatives of financial institutions etc. who are in charge of those customers.

The "main memory" here reads out programs that perform various processes so that the "CPU" can execute them, and also provides a work area that is a working area for those programs. In addition, multiple addresses are assigned to this "main memory" and "non-volatile memory," and the programs executed by the "CPU" can identify and access those addresses to exchange data with each other and perform processing. In this embodiment, the programs stored in the "main memory" and "non-volatile memory" are a personally identifiable information input program and a personally identifiable information output program. In addition, the "main memory" and "non-volatile memory" store customer identifiers/viewer identifiers, viewing requests, future prediction information, personally identifiable information, etc.

The "CPU" executes the personal identification information input program stored in the "main memory" and inputs customer information from customer systems owned by one or more other corporations as the customer's personal identification information via the "LAN interface" via an API or the like. The CPU also stores the input customer's personal identification information in the "main memory" and/or "non-volatile memory."

The "CPU" executes the personally identifiable information output program stored in the "main memory" and outputs the customer's personally identifiable information stored in the personally identifiable information storage unit through the "LAN interface" via an API or the like to a customer system owned by one or more other corporations.

<Embodiment 14: Future prediction information viewing server: Processing flow>
49 is a diagram showing a process flow when using a future prediction information viewing server in this embodiment. As shown in the diagram, the process method comprises an individual identifying information input step S4910 and an individual identifying information output step S4911.

The "individual identification information input step" S4910 is a step in which customer information of a customer system owned by one or more other corporations is input as the customer's individual identification information via an API or the like.
The "personally identifiable information output step" S4911 is a step of outputting the customer's personally identifiable information held in the personally identifiable information holding unit to a customer system owned by one or more other corporations via an API or the like.

<Embodiment 14: Effects>
As described above, according to the customer information system of the fourteenth embodiment, it becomes possible to input customer information as the customer's personal identification information from a customer system owned by one or more other corporations via an API or the like, and to output the customer's personal identification information stored in the personal identification information storage unit to the customer system owned by one or more other corporations via an API or the like. In other words, it becomes possible for the customer information system (future prediction information viewing server) to cooperate with the customer system (e.g., a CRM system, etc.) owned by one or more other corporations via an API or the like. This makes it possible to easily realize comprehensive management of customer information.

In the present invention, the explanation has been given on the assumption that the customer himself/herself will input information using an information terminal or the like as appropriate and necessary, but the customer sales representative of the financial institution or other institution in charge of the customer can also input information using the information terminal that he/she uses to the best of his/her knowledge.
For example, a person in charge of a financial institution or the like can use customer information entered by the customer himself or the person in charge to provide continuous follow-up with the customer. Also, records of interviews with customers entered by the person in charge themselves can be stored in the system and used later in various situations. Furthermore, the person in charge can search for the customer information he or she has stored, which can be used for marketing purposes. In this way, it is possible for the person in charge of a financial institution or the like to comprehensively manage and view customer information.

Customer Registration Department: 0311
Future prediction information input reception unit: 0312
Future prediction information input storage unit: 0313
Simulation Department: 0314
Simulation result output unit: 0315
Future prediction information output unit: 0316
Future prediction information acquisition unit: 0321
Future prediction information storage unit: 0322
Visitor Registration Department: 0323
Viewing request reception unit: 0324
Viewing request determination unit: 0325
Future prediction information viewing section: 0326
CPU: 0911, 0921
Main memory: 0912, 0922
Non-volatile memory: 0913, 0923
Chipset: 0914, 0924
Graphics card: 0915, 0925
BIOS: 0916, 0926
I/O controller: 0917, 0927
LAN interface: 0918, 0928

Claims (16)

a customer registration unit that registers a customer in association with a customer identifier;
a future prediction information input receiving unit capable of repeatedly receiving future prediction information in association with a customer identifier from a future prediction information input screen on which input information is input, the future prediction information being information for simulating future changes in income, expenditure, and assets of a person who shares the same household as a registered customer (which may be the customer alone);
a future prediction information storage unit that stores the received future prediction information in association with a customer identifier based on the reception of a storage command;
a simulation unit that performs a simulation based on the reception of a simulation command using a simulation command reception icon (including but not limited to various button images and various check boxes) that can be viewed simultaneously with the future prediction information input screen to display future changes in the family's income, expenditure, and assets based on the input future prediction information;
a simulation result output unit that outputs a result of the simulation;
a future prediction information output unit that outputs the stored future prediction information in association with a customer identifier based on reception of a link command;
A simulation terminal having
a future prediction information acquisition unit that acquires the output future prediction information in association with a customer identifier;
a future prediction information storage unit that stores the acquired future prediction information in association with a customer identifier;
a viewer registration unit that registers a viewer who is allowed to view the future prediction information in association with a viewer identifier;
a view request receiving unit that receives a view request for future forecast information from a viewer in association with a customer identifier;
a browsing request determination unit that determines whether to permit a received browsing request;
a future prediction information viewing unit that allows a user to view future prediction information associated with the customer identifier related to the request stored in the future prediction information storage unit when the judgment result of the browsing request is that the browsing request is permitted;
A future prediction information viewing server having the following:
A customer information system consisting of: The future prediction information browsing server includes:
an individual identification information input receiving unit that receives an input of individual identification information of a customer in association with future prediction information that is stored in association with a customer identifier;
2. The customer information system according to claim 1, further comprising: an individual identification information storage unit that stores the received individual identification information in association with the customer identifier. The future prediction information browsing server includes:
a future prediction information output request receiving unit that receives a future prediction information output request, which is a request to output the stored future prediction information to a simulation terminal;
a future prediction information output unit that outputs the accumulated future prediction information to the simulation terminal that is the request source based on the received future prediction information output request;
and
The simulation terminal includes:
a future prediction information output request output unit that outputs a future prediction information output request, which is a request for outputting future prediction information, to a future prediction information browsing server;
a future prediction information acquisition unit that acquires the future prediction information output by the future prediction information viewing server in response to the output request for future prediction information;
a future prediction information storage unit that stores the acquired future prediction information in a future prediction information storage unit so that the information can be used in a simulation;
3. The customer information system according to claim 1 or 2, further comprising: The future prediction information browsing server includes:
a future prediction information edit request receiving unit that receives a request to edit future prediction information in association with authority information that is information indicating authority;
an editing authority determination unit that determines whether to permit editing of future forecast information based on the authority information;
an editing unit for allowing editing of the future forecast information when the editing authority determining unit determines that editing is permitted;
2. The customer information system of claim 1 further comprising: The future prediction information viewing server includes:
The authority information includes a plurality of authority types according to the range of editing permitted, and an editing permitted range information storage unit stores editing permitted range information that associates the authority information type with information indicating the range of editing permitted;
The customer information system of claim 4, further comprising an editable range control unit that controls the range of editing that can be performed by the editing unit based on the editable range information when the judgment result of the editing authority judgment unit is that editing is permitted. The future prediction information browsing server includes:
an editing update history information storage unit that stores editing update history information that is information indicating an editing update history in the editing unit;
5. The customer information system according to claim 4, further comprising an edit update history information output section for outputting the held edit update history information. The future prediction information viewing server further includes a viewable range control unit that controls the restriction of the viewable range that can be viewed by the future prediction information viewing unit according to the viewer,
The browsing request receiving unit includes a browsing request with viewing range information receiving means for receiving the browsing request by associating the browsing request with viewing range information which is information indicating the viewing range,
The customer information system of claim 1, wherein the viewing request judgment unit has a future prediction information viewing control unit that controls the future prediction information viewing unit based on viewable range information associated with the received viewing request when the judgment result of whether to permit the viewing request is that the viewing request is permitted. The future prediction information browsing server includes:
a search key acquisition unit that acquires a search key that is a key for searching future prediction information stored in the future prediction information storage unit;
a future prediction information search unit that searches for future prediction information based on the obtained search key;
a future prediction information search result output unit that outputs a search result of the future prediction information search unit;
2. The customer information system of claim 1 further comprising: The future prediction information browsing server includes:
a search key acquisition rule storage unit that stores search key acquisition rules;
a search key acquisition control unit that causes the search key acquisition unit to acquire a search key based on the stored search key acquisition rule;
9. The customer information system of claim 8, further comprising: The future prediction information browsing server includes:
A time information acquisition unit for acquiring time information,
The customer information system according to claim 9, characterized in that the search key stored in the search key acquisition rule storage unit includes a search key in which information indicating the time until an event occurs based on the acquired time information is used as a search key. The future forecast information includes, for each customer, one or more of the following information: type of financial assets, amount of financial assets, and financial asset service provider;
11. The customer information system according to claim 9, wherein the search key acquisition rules stored in said search key acquisition rule storage section include a rule for performing a search based on one or more of these pieces of information. A future prediction information search unit is automatically executed based on the search key acquisition rule stored in the search key acquisition rule storage unit;
10. The customer information system according to claim 9, wherein said future prediction information search result output section has automatic output means for automatically outputting the future prediction information searched for as a result of execution of said section, based on a predetermined rule. The future prediction information browsing server includes:
The customer information system according to claim 1, characterized in that the future prediction information storage unit is provided with an automatic information sorting means for automatically sorting future prediction information based on a customer identifier associated with the acquired future prediction information. The future prediction information browsing server includes:
an individual identification information input unit that inputs customer information of a customer system owned by one or more other corporations as individual identification information of the customer via an API or the like;
an individual identification information output unit that outputs the individual identification information of the customer stored in the individual identification information storage unit to a customer system owned by the one or more other corporations via an API or the like;
3. The customer information system according to claim 2, further comprising: a customer registration step of registering a customer in association with a customer identifier;
a future prediction information input reception step capable of repeatedly receiving input information in association with a customer identifier from a future prediction information input screen on which input information is input, the input information being used to simulate future changes in income, expenditure, and assets of a person who shares the same household as the registered customer (which may be the customer alone);
a future prediction information holding step of holding the received future prediction information in association with a customer identifier based on the reception of the holding command;
a simulation step of simulating future changes in income, expenditure, and assets of a family based on the input future forecast information, based on the reception of a simulation command using a simulation command reception icon (including but not limited to various button images and various check boxes, etc.) that can be viewed simultaneously with the future forecast information input screen;
a simulation result output step for outputting a result of the simulation;
a future forecast information output step of outputting the stored future forecast information in association with a customer identifier based on the reception of the link command;
A simulation terminal having
a future prediction information acquisition step of acquiring the output future prediction information in association with a customer identifier;
a future prediction information accumulation step of accumulating the acquired future prediction information in association with a customer identifier;
a viewer registration step of registering a viewer who is allowed to view the future prediction information in association with a viewer identifier;
a view request receiving step of receiving a view request for future forecast information from a viewer in association with a customer identifier;
a browsing request determination step for determining whether to permit the received browsing request;
a future prediction information viewing step of viewing future prediction information associated with the customer identifier related to the request stored in the future prediction information storage unit when the judgment result of the browsing request is that the browsing request is permitted;
A future prediction information viewing server having the following:
A method for operating a customer information system comprising the steps of: a customer registration step of registering a customer in association with a customer identifier;
a future prediction information input reception step capable of repeatedly receiving input information in association with a customer identifier from a future prediction information input screen on which input information is input, the input information being used to simulate future changes in income, expenditure, and assets of a person who shares the same household as the registered customer (which may be the customer alone);
a future prediction information holding step of holding the received future prediction information in association with a customer identifier based on the reception of the holding command;
a simulation step of simulating future changes in income, expenditure, and assets of a family based on the input future forecast information, based on the reception of a simulation command using a simulation command reception icon (including but not limited to various button images and various check boxes, etc.) that can be viewed simultaneously with the future forecast information input screen;
a simulation result output step of outputting a result of the simulation;
a future forecast information output step of outputting the stored future forecast information in association with a customer identifier based on the reception of the link command;
A simulation terminal having
a future prediction information acquisition step of acquiring the output future prediction information in association with a customer identifier;
a future prediction information accumulation step of accumulating the acquired future prediction information in association with a customer identifier;
a viewer registration step of registering a viewer who is allowed to view the future prediction information in association with a viewer identifier;
a view request receiving step of receiving a view request for future forecast information from a viewer in association with a customer identifier;
a browsing request determination step for determining whether to permit the received browsing request;
a future prediction information viewing step of viewing future prediction information associated with the customer identifier related to the request stored in the future prediction information storage unit when the judgment result of the browsing request is that the browsing request is permitted;
A future prediction information viewing server having the following:
A customer information system operation program written in a readable and executable manner by a customer information system which is a computer comprising the above components.

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