JP7568687B2 - Information processing device, information processing method, and information processing program - Google Patents

Description

The present invention relates to an information processing device, an information processing method, and an information processing program.

Traditionally, financial institutions and securities companies have conducted business such as proposing and selling investment products such as financial products to individuals, and such business has also been supported by information processing devices. Patent Document 1 discloses a technology that, when a category such as a theme is selected, provides information related to the selected category.

JP 2018-072954 A

However, the above conventional technology merely provides a category display screen that includes multiple selectable categories, and there is room for improvement in terms of improving user convenience.

The present application has been made in consideration of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can improve user convenience.

The information processing device according to the present application includes a generating unit and a providing unit. The generating unit generates category display information, which is information indicating each category of investment target products in a manner according to the investment status for each category. The providing unit provides the category display information generated by the generating unit.

According to one aspect of the embodiment, it is possible to improve user convenience.

FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. FIG. 2 is a diagram illustrating an example of the configuration of an information processing system according to the embodiment. FIG. 3 is a diagram illustrating an example of the configuration of a terminal device according to the embodiment. FIG. 4 is a diagram illustrating an example of the configuration of the information processing device according to the embodiment. FIG. 5 is a diagram illustrating an example of a user information table stored in a user information storage unit according to the embodiment. FIG. 6 is a diagram showing an example of a portfolio information table stored in the portfolio information storage unit according to the embodiment. FIG. 7 is a diagram illustrating an example of an investment target product information table stored in the investment information storage unit according to the embodiment. FIG. 8 is a diagram showing an example of home information provided by the providing unit of the information processing apparatus according to the embodiment and displayed on the display unit of the terminal device. FIG. 9 is a diagram showing an example of category display information provided by the providing unit of the information processing apparatus according to the embodiment and displayed on the display unit of the terminal device. FIG. 10 is a diagram showing another example of category display information provided by the providing unit of the information processing apparatus according to the embodiment and displayed on the display unit of the terminal device. FIG. 11 is a diagram showing an example of ranking information provided by the providing unit of the information processing apparatus according to the embodiment and displayed on the display unit of the terminal device. FIG. 12 is a diagram showing another example of ranking information provided by the providing unit of the information processing apparatus according to the embodiment and displayed on the display unit of the terminal device. FIG. 13 is a diagram showing an example of target user portfolio information provided by the providing unit of the information processing apparatus according to the embodiment and displayed on the display unit of the terminal device. FIG. 14 is a diagram showing an example of investment product detail information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. FIG. 15 is a diagram showing another example of investment product detail information provided by the providing unit of the information processing device according to the embodiment and displayed on the display unit of the terminal device. FIG. 16 is a flowchart illustrating an example of information processing by the processing unit of the information processing device according to the embodiment. FIG. 17 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device and the terminal device according to the embodiment.

Below, the information processing device, information processing method, and information processing program according to the present application will be described in detail with reference to the drawings. Note that the information processing device, information processing method, and information processing program according to the present application are not limited to these embodiments. Furthermore, the embodiments can be appropriately combined as long as they do not cause inconsistencies in the processing content. Furthermore, the same parts in the following embodiments will be given the same reference numerals, and duplicated explanations will be omitted.

[1. An example of information processing]
First, an example of information processing according to the embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram showing an example of information processing according to the embodiment.

The information processing device 1 shown in FIG. 1 is an information processing device that cooperates with a terminal device 2 of a user U and provides various information to the user U online, and is realized, for example, by one or more servers or a cloud system. Note that, although one terminal device 2 is shown in the example shown in FIG. 1, the information processing device 1 cooperates with each of multiple terminal devices 2 and provides various information online to the user U of each terminal device 2.

The information provided to the user U by the information processing device 1 is, for example, information related to finance, electronic commerce, or web searches, but is not limited to such examples. In the following, an example will be described in which the information mainly provided by the information processing device 1 is information related to finance. In the following, a service that provides information related to finance may be referred to as a finance information service.

As shown in FIG. 1, when a user U performs a predetermined operation on a terminal device 2 to obtain investment-related information, which is information related to an investment product, a request for investment-related information is sent from the terminal device 2 to the information processing device 1 (step S1). In the following, the user U of the terminal device 2 that sent the investment-related information request may be referred to as the target user.

When the information processing device 1 receives a request for investment-related information from the terminal device 2, it acquires target user portfolio information, which is information indicating the portfolio of the target user, who is the user U of the terminal device 2, from an internal memory unit or an external device (step S2).

The information processing device 1 also acquires similar user portfolio information, which is information indicating the portfolios of similar users, other users U, who are similar to the target user, from an internal storage unit or an external device (step S3).

A similar user is, for example, a user U who is similar to the target user in at least one of attributes and portfolio composition ratio. Attributes include, for example, demographic attributes, psychographic attributes, etc. The information processing device 1 has attribute information that is information indicating the attributes of each user U, and for example, if the target user is a man in his 30s living in Tokyo with an annual income of 5 million yen, the information processing device 1 determines that the man in his 30s living in Tokyo with an annual income of 5 million yen is a similar user.

The composition ratio of the target user's portfolio is, for example, the ratio of the total value (e.g., total appraised value) of each category of investment products held by the target user. In addition to financial products, investment products include non-financial products such as precious metal products such as gold, silver, and platinum, commodity products such as crude oil, wheat, and soybeans, and real estate products. Categories of investment products include, for example, Japanese stocks, US stocks, bonds, investment trusts, REITs (Real Estate Investment Trusts), ETFs (Exchange-Traded Funds), real estate, precious metals, and virtual currencies.

For example, assume that the categories of investment products held by the target user are Japanese stocks, investment trusts, and REITs, and the user holds 10 million yen worth of Japanese stocks, 5 million yen worth of investment trusts, and 5 million yen worth of REITs. In this case, the composition of the portfolio is 50% Japanese stocks, 25% investment trusts, and 25% REITs.

The composition ratio of the portfolios being similar means, for example, that the difference in the ratio of the valuation amounts of each category is within a predetermined range, and the predetermined range is, for example, within 20%, but is not limited to such an example and may be, for example, a range specified by the target user. In addition, the composition ratio of the portfolios being similar means, for example, that some categories are not included.

The information processing device 1 can also determine, for example, another user U who has similar attributes to the target user and has invested a larger amount than the target user, as a similar user. Based on information about the user U's portfolio, the information processing device 1 can calculate the total price (valued amount) of the investment target products held by the user U as the investment amount for each user U, and determine similar users based on the calculated investment amount.

The information processing device 1 can also determine, for example, another user U who has similar attributes to the target user and has a large investment gain as a similar user. The information processing device 1 can calculate the investment gain of the total investment target products held by the user U for each user U based on information on the user U's portfolio, and determine similar users based on the calculated investment gain. The investment gain is short-term (e.g., a preset period of one year or less), medium-term (e.g., a preset period of one year or more but less than five years), or long-term (e.g., a preset period of five years or more).

The information processing device 1 can also determine, for example, another user U whose portfolio composition is similar to that of the target user and whose investment amount is greater than that of the target user, as a similar user.The information processing device 1 can also determine, for example, another user U whose portfolio composition is similar to that of the target user and whose investment profits are greater than that of the target user, as a similar user.

Next, the information processing device 1 determines a proposed product, which is an investment target product to be proposed to the target user, based on the target user portfolio information acquired in step S2 and the similar user portfolio information acquired in step S3 (step S4). In the processing of step S4, the information processing device 1 determines a first proposed product and a second proposed product as investment target products to be proposed to the target user.

First, the first suggested product will be described. Based on the target user portfolio information, the information processing device 1 determines, as the first suggested product, an investment target product that can maintain the composition ratio of the target user's portfolio within a predetermined fluctuation range.

The predetermined fluctuation range is, for example, a range in which the fluctuation rate of each category is within 10% or a range in which the fluctuation rate of each category is within 20%, but is not limited to such examples and may also be a fluctuation range specified by the target user. In the following, the predetermined fluctuation range may be referred to as the specified fluctuation range, the composition ratio of the portfolio may simply be referred to as the composition ratio, and the target user's portfolio may be referred to as the target user portfolio.

The information processing device 1, for example, determines an investment product to be proposed to the target user as an investment product to be added to the target user portfolio as the first proposed product. The information processing device 1 also determines an investment product to be proposed to the target user as a replacement for the investment product included in the target user portfolio as the first proposed product. In the following, an investment product included in the target user portfolio that is a candidate for replacement with the first proposed product may be referred to as a replacement candidate product.

The information processing device 1, for example, determines as the first proposed product an investment target product that is not included in the target user portfolio and is held by a similar user. For example, the information processing device 1 determines as the first proposed product an investment target product whose composition ratio falls within a specified fluctuation range when added to the target user portfolio and whose number of purchased similar users satisfies a predetermined first condition.

The first condition is, for example, an investment product for which the number of similar users who have purchased is equal to or exceeds a threshold value or is the highest, or an investment product for which the number of similar users who have purchased from a predetermined period before to the present is equal to or exceeds a threshold value or is the highest, but is not limited to such examples.

In addition, the information processing device 1 can, for example, determine an investment target product included in the target user portfolio and designated by the target user as a replacement candidate product, and determine an investment target product similar to such replacement candidate product as the first proposed product.

An investment product similar to a replacement candidate product is, for example, a product in the same category and with a similar price, and is an investment product that is predicted to provide greater profits to user U than the replacement candidate product. The profits that user U can obtain are investment gains, including dividends, etc.

The information processing device 1 can also determine, as replacement candidate products, investment target products included in the target user's portfolio that are estimated to no longer satisfy the holding purpose of the target user.

In this case, the information processing device 1 determines, for example, as the first proposed product, an investment product that is not included in the target user portfolio and is estimated to satisfy the holding purpose that is no longer satisfied by the replacement candidate product. If the investment product is a stock product, the holding purpose is, for example, a specific shareholder benefit or dividend (including projected dividend).

The information processing device 1, for example, determines as a replacement candidate product an investment target product that no longer has a specific shareholder benefit among multiple investment target products included in the target user portfolio. The information processing device 1 determines as the first proposed product an investment target product that is not included in the target user portfolio and has a specific shareholder benefit. The shareholder benefit is the provision of food products, gift certificates, coupons, gift certificates, or shareholder benefit cards.

When the information processing device 1 determines a product of a stock brand that has discontinued the provision of food products as a shareholder benefit as a candidate replacement product, it determines a product of a stock brand that still provides food products as a shareholder benefit as the first proposed product.

The information processing device 1 also determines, for example, as a replacement candidate product, an investment target product that has a dividend decline rate equal to or greater than a threshold value in a predetermined period among the investment target products included in the target user portfolio. The information processing device 1 then determines, as the first proposed product, an investment target product that is not included in the target user portfolio and has a dividend payout ratio equal to or greater than the dividend payout ratio of the replacement candidate product before the decline in dividends.

The information processing device 1 can also determine, as the first proposed product, an investment product whose composition ratio will be within a specified fluctuation range when replaced and whose number of similar users who have purchased the investment product satisfies a predetermined second condition.

The second condition is, for example, an investment product for which the number of similar users who have purchased is equal to or exceeds a threshold value or is the highest, or an investment product for which the number of similar users who have purchased from a predetermined period before to the present is equal to or exceeds a threshold value or is the highest, but is not limited to such examples.

Next, the second suggested product will be described. The information processing device 1 compares the target user portfolio information with the similar user portfolio information, and determines the second suggested product based on the comparison result.

The information processing device 1, for example, determines an investment product to be added to the target user portfolio as the second proposed product, or determines an investment product to be proposed to the target user as a replacement for an investment product included in the target user portfolio as the second proposed product.

The information processing device 1 determines, as the second suggested product, an investment product that approaches the composition ratio of the similar user's portfolio when held. For example, the information processing device 1 determines, as the second suggested product, an investment product that approaches the composition ratio of the similar user's portfolio when held and that is held by a number of similar users that satisfies a predetermined third condition.

The third condition is, for example, an investment product that has more than a threshold number of similar users held by the investment product or the highest number of similar users held by the investment product during the period from a predetermined period before to the present, but is not limited to such examples.

Next, the information processing device 1 acquires information on the behavioral history of a user of interest, who is another user U in whom the target user is interested, from an internal memory unit or an external device (step S5).

The user of interest may be another user U designated by the target user, another user U in whom the target user is presumed to be interested, etc. The information processing device 1 can presumably be another user U in whom the target user is presumed to be interested.

For example, the information processing device 1 estimates, as users of interest, other users U who post blogs whose number of views or frequency of views by the target user is equal to or exceeds a threshold, other users U whom the target user follows on SNS, or other users U whose portfolios whose number of views or frequency of views by the target user is equal to or exceeds a threshold. The information processing device 1 can also estimate, as users of interest, other users U designated by a similar user as users of interest, for example.

In addition, the information processing device 1 can estimate, as a user of interest, other users U who have posted comments whose number of views or frequency of views by the target user is equal to or greater than a threshold, or estimate, as a user of interest, other users U who have posted content, such as news articles, whose number of views or frequency of views by the target user is equal to or greater than a threshold.

In addition, the information processing device 1 can estimate, as a user of interest, other users U who have posted comments for which the number or frequency of positive evaluations (e.g., "likes") by the target user is greater than or equal to a threshold, or can estimate, as a user of interest, other users U who have posted content, such as news articles, for which the number of views or frequency of views by the target user is greater than or equal to a threshold.

The information processing device 1 can also estimate, as users of interest, other users U who have portfolios similar to the target user's portfolio in terms of composition ratio or investment target products (e.g., stock brands).

The information on the behavioral history of the user of interest includes, for example, information on the behavioral history of the user of interest in the financial information service provided by the information processing device 1. The information on the behavioral history of the user of interest includes, for example, search history information of the user of interest in the financial information service, browsing history information of the user of interest in the financial information service, transaction history information of the user of interest, etc., but is not limited to such examples.

The transaction history information of the user of interest is, for example, information on investment products already purchased by the user of interest or information on investment products already purchased by the user of interest that is provided from an external information processing device, but is not limited to such examples.

Next, the information processing device 1 generates investment-related information, which is information related to investments (step S6). The investment-related information includes information indicating the first proposed product, information indicating the second offered product, and information according to the behavioral history of the user of interest.

Information according to the behavioral history of the user of interest includes currently viewed information, which is information currently being viewed by the user of interest, and viewed information, which is information previously viewed by the user of interest. Viewed information is information viewed by the user of interest with a frequency equal to or greater than a threshold, or information previously viewed by the user of interest during a period from a predetermined period prior to the present or immediately preceding it. Hereinafter, information according to the behavioral history of the user of interest may be referred to as user of interest information.

Furthermore, the interested user information may include, for example, information on investment products purchased or sold by the interested user instead of or in addition to the currently viewed information and viewed information.

In addition, the information processing device 1 can treat the currently viewed information or the viewed information corresponding to the correlation as the user of interest information based on the correlation between the transaction history information and the browsing history information of the user of interest. In this case, the information processing device 1 can treat the currently viewed information or the viewed information corresponding to the correlation as the user of interest information based on the correlation between the transaction history information of the user of interest that corresponds to the transaction history information of the target user and the browsing history information of the user of interest.

For example, the information processing device 1 can generate investment-related information that includes, as user of interest information, reference information that is information that a user of interest who holds the same investment product as the target user refers to or used as reference when trading the investment product. In this case, the user of interest information includes, for example, the above-mentioned reference information as well as information such as the character string "Another user U who sold the same investment product as you (e.g., shares of stock A) viewed this information immediately before."

In addition, the user-of-interest information is not limited to information about one user-of-interest, but may include information about multiple users-of-interest. The information processing device 1 can also use information according to statistical trends obtained from the behavioral histories of multiple users-of-interest as the user-of-interest information.

For example, the information processing device 1 may treat as the information of the target users that a threshold value (e.g., 55%) or more of the specific number of target users of interest viewed or is currently viewing during a specified period (e.g., this morning) as the target user information. The specific number of target users of interest is, for example, a predetermined percentage (e.g., 70%) or more of the multiple target users of interest designated by the target user or estimated by the information processing device 1.

Furthermore, the information processing device 1 can treat information according to statistical trends in the transaction history based on the results of the viewing of the interested user as the interested user information. For example, the information processing device 1 can treat information on a specific percentage (e.g., 50%) or more of the investment target products that were traded (e.g., purchased or sold) by a threshold or more of a specific number of interested users among a plurality of interested users after viewing information during a recent specified period as the interested user information.

For example, let us say that the information viewed by a threshold number (e.g., 55%) or more of a specific number of users of interest during a specified period (e.g., this morning) is investment products A, B, and C, and that the viewing rates are 60%, 30%, and 10%. In this case, the information processing device 1 regards the information on investment product A as the user of interest information. The information processing device 1 can also estimate the above-mentioned similar users as users of interest.

The information processing device 1 can highlight the information about users of interest among the investment-related information compared to other information. Highlighting is performed, for example, by making the text, frame, background, etc., different from other areas.

For example, the information processing device 1 highlights the information by making the text larger, bolding the text, or making the text a conspicuous color (e.g., red). The information processing device 1 can also highlight the information by making the frame surrounding the user information of interest thicker, making the frame surrounding the user information of interest a conspicuous color, or making the background a conspicuous color.

Then, the information processing device 1 transmits the investment-related information generated in step S6 to the terminal device 2, and provides the investment-related information to the user U of the terminal device 2 (step S7). The terminal device 2 receives the investment-related information transmitted from the information processing device 1, and displays the received investment-related information.

The information processing device 1 can notify the terminal device 2 of the user information of interest at a timing different from the timing of transmitting the investment-related information. For example, the information processing device 1 can notify the terminal device 2 of the new user information of interest in a push-type manner at the timing when it determines that there is new user information of interest (for example, at the timing when it determines that there is information being viewed or information that has been viewed).

In addition, the information processing device 1 can notify the terminal device 2 of numerical information, which is information indicating the number of new pieces of user information of interest, instead of or in addition to the new pieces of user information of interest. By selecting the numerical information displayed on the terminal device 2, the target user can cause the terminal device 2 to display the number of pieces of new user information of interest indicated by the numerical information.

In the example shown in FIG. 1(a), the investment-related information displayed on the terminal device 2 includes composition ratio information, news information, information indicating the first proposed product, information indicating the second proposed product, information on users of interest, a category display button, and a ranking display button.

The composition ratio information is information indicating the composition ratio of the target user's portfolio. The news information is information indicating news related to investments, for example, news information extracted according to the interests of the target user. The target user information is information based on the behavioral history of the target user.

The category display button is a GUI (Graphical User Interface) button for displaying on the terminal device 2 category display information, which is information showing a category list from which the user U can check or select a category. The ranking display button is a GUI for displaying on the terminal device 2 ranking information, which is information showing rankings of portfolios, rankings of investment-related products, etc.

When the user U wants to display category display information on the terminal device 2, he or she operates the above-mentioned category display button by operating the terminal device 2. This causes a category display information request to be sent from the terminal device 2 to the information processing device 1 (step S8).

When the information processing device 1 receives a category display information request transmitted from the terminal device 2, it generates category display information (step S9). In the processing of step S9, the information processing device 1 generates category display information, which is information indicating each category of investment targets in a manner according to the investment status for each category. The categories of investment targets are, for example, Japanese stocks, US stocks, bonds, investment trusts, REITs, ETFs, real estate, precious metals, virtual currencies, etc., but are not limited to such examples.

The investment state is at least one of the number of holding users, who are users U who hold the investment products included in the category, and the total value (total valuation) of the investment products included in the category. In the following, the number of holding users, who are users U who hold the investment products included in the category, may be referred to as the number of holding users, and the total value (total valuation) of the investment products included in the category may be referred to as the category valuation.

For example, the information processing device 1 generates, as category display information, information indicating each category in a manner that corresponds to the investment status, in which the degree of emphasis is increased as at least one of the number of users and the category valuation amount is increased. If the information indicating a category is a shape that includes letters indicating the category, the degree of emphasis is increased as the letters indicating the category or the shape indicating the category is increased.

For example, when the information indicating a category is a graphic containing text, the information processing device 1 generates information indicating each category as category display information in such a manner that the graphic or text indicating the category is larger and more emphasized for categories with a larger number of users and/or a larger category valuation.

The information processing device 1 also generates, as category display information, information that shows an investment category, which is a category in which the target user has invested among a plurality of categories, in a manner different from a non-investment category, which is a category in which the target user has not invested. A category in which the target user has invested is a category of investment target products held by the target user, and a category in which the target user has not invested is a category in which the target user does not hold any investment target products.

The information processing device 1, for example, highlights the investment category more than the non-investment category, thereby making the investment category different from the non-investment category. This allows the user U to easily distinguish the investment category.

In addition, the information processing device 1 generates category display information in which figures representing investment categories among a plurality of categories are positioned closer to the reference position than figures representing non-investment categories. This allows the user U to more easily distinguish the investment categories.

The reference position is, for example, the central area of the category display information, but is not limited to this example. For example, if scrolling is required to display all of the category display information, the reference position may be the center of the area displayed at first view in the category display information.

The information processing device 1 can also generate, as category display information, information in an uninvested category, which is a category in which the target user has not invested, in which the information indicating the uninvested category having a larger number of similar users who hold the investment target product is positioned closer to the reference position.

Then, the information processing device 1 transmits the category display information generated in step S9 to the terminal device 2, and provides the category display information to the user U of the terminal device 2 (step S10). The terminal device 2 receives the category display information transmitted from the information processing device 1, and displays the received category display information.

In the example shown in FIG. 1(b), the category display information displayed on the terminal device 2 includes information indicating each of a plurality of categories, such as Japanese stocks, U.S. stocks, bonds, investment trusts, REITs, ETFs, real estate, precious metals, and virtual currencies.

In the category display information shown in FIG. 1(b), the figures indicating the categories are smaller in the order of Japanese stocks, investment trusts, real estate, bonds, precious metals, ETFs, REITs, US stocks, and virtual currencies. When the mode according to the investment status for each category corresponds to the number of users who own the category, user U can easily understand that the larger the figure indicating the category, the greater the number of users who own the category. Hereinafter, a figure indicating a category or a figure indicating a category including text information indicating a category may be referred to as a category figure. The category figure shown in FIG. 1(b) includes text information indicating a category within a circular frame, but the shape of the frame is not limited to being circular.

In addition, when the aspect corresponding to the investment state for each category corresponds to the category valuation amount, the information processing device 1 allows the user U to easily understand that the larger the figure representing the category, the higher the category valuation amount. The information processing device 1 calculates a score obtained by weighting and adding the number of users and the category valuation amount, and can make the category figure larger for categories with a higher score.

In addition, in the category display information shown in FIG. 1(b), the category figures showing Japanese stocks, US stocks, bonds, investment trusts, and precious metals are highlighted compared to the other categories. This allows the target user to easily understand that the target user holds Japanese stocks, US stocks, bonds, investment trusts, and precious metals.

In addition, in the category display information shown in FIG. 1(b), a category figure showing Japanese stocks is placed in an area including the reference position, and category figures showing U.S. stocks, bonds, investment trusts, and precious metals are also placed in positions close to the reference position. This also allows the target user to easily understand that he or she holds Japanese stocks, U.S. stocks, bonds, investment trusts, and precious metals.

When the category display information shown in FIG. 1(b) is displayed on the terminal device 2, the user U can select one of the multiple category figures by operating the terminal device 2.

When a category figure is selected by the user U, the information processing device 1 generates category display information in which figures indicating multiple subcategories contained in the category indicated by the selected category figure are arranged around the selected category figure. The information processing device 1 then transmits the generated category display information to the terminal device 2 and causes the terminal device 2 to display the category display information.

Next, the ranking information will be described. When the user U wants to display the ranking information on the terminal device 2, the user U operates the terminal device 2 to operate the above-mentioned ranking display button. This causes a ranking information request to be sent from the terminal device 2 to the information processing device 1 (step S11).

When the information processing device 1 receives a ranking information request transmitted from the terminal device 2, it generates ranking information (step S12). In the processing of step S12, the information processing device 1 generates ranking information based on the portfolios of multiple users U.

For example, the information processing device 1 generates information ranking the portfolios as ranking information based on the portfolio information of multiple users U. The information ranking the portfolios is, for example, at least one of information ranking the valuation amounts of the portfolios and information ranking the investment gains of the portfolios. In the following, the ranking of the portfolios may be referred to as a portfolio ranking, and the information on the portfolio ranking may be referred to as portfolio ranking information.

The information processing device 1 can also generate portfolio ranking information that ranks multiple portfolios including the target user's portfolio and the portfolios of multiple other users U whose attributes are similar to those of the target user. A user U whose attributes are similar to those of the target user is a user U who shares some attribute items (e.g., gender, age, location, annual income, etc.) with the target user, and some attribute items can be specified by the target user, for example.

The information processing device 1 can also generate, as portfolio ranking information, information that ranks multiple portfolios including the target user's portfolio and the portfolios of multiple other users U whose portfolio composition ratios are similar to that of the target user. The portfolio composition ratios being similar means, for example, that the difference in the ratio of the valuation amounts of each category is within a predetermined range, and the predetermined range is, for example, within 20%, but is not limited to such an example and may be, for example, a range specified by the target user.

The information processing device 1 also generates ranking information including investment proposal information, which is information on investments required for the target user's portfolio to rank up in the portfolio ranking. The investment proposal information is, for example, information indicating the amount of investment required to rank up.

The rank-up in the investment proposal information is a predetermined number of rank-ups, for example, a rank-up of one rank or a rank-up of five ranks. Note that the rank-up in the investment proposal information may be a number of rank-ups specified by the target user.

In addition, the information processing device 1 can also generate, instead of or in addition to the portfolio ranking, information that ranks the investment target products included in the portfolios of multiple users U as ranking information. In the following, the ranking of the investment target products may be referred to as product ranking, and the information on the product ranking may be referred to as product ranking information.

Then, the information processing device 1 transmits the ranking information generated in step S12 to the terminal device 2, and provides the ranking information to the user U of the terminal device 2 (step S13). The terminal device 2 receives the ranking information transmitted from the information processing device 1, and displays the received ranking information.

In the example shown in FIG. 1(c), the ranking information displayed on the terminal device 2 is portfolio ranking information that ranks the portfolios of men in their 30s who live in Tokyo and have an annual income of 5 million yen, and the target user is ranked 25,452nd.

In the example shown in FIG. 1(c), the ranking information displayed on the terminal device 2 includes investment proposal information. Such investment proposal information includes information indicating that an additional investment of 89,892 yen is required for the target user to move up one rank to 25,451st place.

In this way, the information processing device 1 determines an investment product that can maintain the composition ratio of the target user's portfolio within a predetermined fluctuation range as the first proposed product, which is an investment product proposed to the target user, and provides information indicating the determined first proposed product. This allows the information processing device 1 to propose an appropriate investment product according to the investment situation of the user U.

The information processing device 1 also compares information indicating the target user's portfolio with the portfolio of a similar user, who is another user U similar to the target user, and determines the investment product to be proposed to the target user as the second suggested product based on the results of the comparison. Then, the information processing device 1 provides information indicating the determined second suggested product. This allows the information processing device 1 to propose an appropriate investment product according to the investment situation of the user U.

In addition, the information processing device 1 generates category display information, which is information indicating each category of investment target products in a manner corresponding to the investment status, for each category of investment target products, and provides the generated category display information. This enables the information processing device 1 to improve the convenience of the user U.

In addition, the information processing device 1 generates ranking information based on the portfolios of multiple users U and provides the generated ranking information. This allows the information processing device 1 to provide ranking information according to the investment status of each user U.

In addition, the information processing device 1 determines, as investment-related information, information that is information related to investments and includes information corresponding to the behavioral history of a user of interest, who is another user U in whom the user U is interested, and provides the determined investment-related information. This enables the information processing device 1 to improve the convenience of the user U.

In the above example, the information processing device 1 generates the investment-related information, category display information, and ranking information and displays them on the terminal device 2, but these pieces of information may be displayed by processing mainly performed by the terminal device 2. For example, the information processing device 1 may provide multiple pieces of information to the terminal device 2 based on information input from the terminal device 2 via an interface such as an API (Application Programming Interface), and the terminal device 2 may generate and display the investment-related information, category display information, and ranking information based on the multiple pieces of information provided by the information processing device 1. Also, while FIG. 1 shows a case in which the terminal device 2 and the information processing device 1 are separate devices, the terminal device 2 and the information processing device 1 may be integrated.

The following provides a detailed explanation of the configuration of an information processing system that includes an information processing device 1 and a terminal device 2 that perform such processing.

2. Configuration of Information Processing System
Fig. 2 is a diagram showing an example of a configuration of an information processing system according to an embodiment. As shown in Fig. 2, the information processing system 100 according to the embodiment includes an information processing device 1 and a plurality of terminal devices 2. Each of the plurality of terminal devices 2 is used by a different user U.

The information processing device 1 and each terminal device 2 are connected to each other via a network N so that they can communicate with each other by wire or wirelessly. Note that the information processing system 100 shown in FIG. 2 may include multiple information processing devices 1. The network N is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network) such as the Internet.

The information processing device 1 provides various types of information. The information processing device 1 provides online services such as a finance site, an e-commerce site, or a web search site. A finance site is a site that provides a finance information service and provides information related to finance. The information processing device 1 can also provide online services such as a restaurant introduction site, a review site, or a social networking service (SNS) site.

The terminal device 2 is, for example, a desktop PC (Personal Computer), a notebook PC, a tablet terminal, a smartphone, a mobile phone, or a PDA (Personal Digital Assistant). Note that the terminal device 2 is not limited to the above examples, and may be, for example, a smart watch or a wearable device.

In addition, the terminal device 2 can connect to the network N via a wireless communication network such as LTE (Long Term Evolution), 4G (4th Generation), or 5G (5th Generation: 5th generation mobile communication system), or via short-range wireless communication such as Bluetooth (registered trademark) or wireless LAN, and communicate with the information processing device 1.

[3. Terminal device 2]
3 is a diagram showing an example of the configuration of the terminal device 2 according to the embodiment. As shown in FIG. 3, the terminal device 2 according to the embodiment includes a communication unit 10, a display unit 11, an operation unit 12, a sensor group 13, a storage unit 14, and a processing unit 15.

3.1. Communication unit 10
The communication unit 10 is realized by, for example, a network interface card (NIC), etc. The communication unit 10 is connected to a network N by wire or wirelessly, and transmits and receives information to and from the information processing device 1 via the network N.

[3.2. Display section 11]
The display unit 11 is, for example, an LCD (Liquid Crystal Display) or an organic EL (Electro Luminescence) display.

[3.3. Operation unit 12]
The operation unit 12 includes, for example, a keyboard including keys for inputting letters, numbers, and spaces, an enter key, arrow keys, and the like, a mouse, a power button, and the like. The operation unit 12 includes a touch panel.

3.4. Sensor Group 13
The sensor group 13 includes, for example, a positioning sensor, an acceleration sensor, a gyro sensor, a geomagnetic sensor, an illuminance sensor, and an image sensor. The positioning sensor is a sensor that detects the position of the terminal device 2. The acceleration sensor is a sensor that detects the acceleration of the terminal device 2. The gyro sensor is a sensor that detects the attitude of the terminal device 2, such as the tilt and rotation. The geomagnetic sensor is a sensor that detects geomagnetism. The illuminance sensor is a sensor that detects illuminance indicating the brightness or darkness of the surroundings of the terminal device 2, and the image sensor is a sensor that captures an image of the surroundings of the terminal device 2.

[3.5. Storage unit 14]
The storage unit 14 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk.

The memory unit 14 stores, for example, information transmitted from the information processing device 1 and acquired by the processing unit 15 via the network N and the communication unit 10, and detection information, which is information detected by the sensor group 13.

3.6. Processing Unit 15
The processing unit 15 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit) executing various programs stored in a storage device inside the terminal device 2 using the RAM as a working area.

The processing unit 15 may be realized in part or in whole by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The processing unit 15 includes an information acquisition unit 16, a display processing unit 17, and an information output unit 18.

[3.6.1. Information acquisition unit 16]
The information acquisition unit 16 acquires various pieces of information transmitted from the information processing device 1 and received by the communication unit 10 via the network N. The information transmitted from the information processing device 1 is, for example, the above-mentioned investment-related information. , category display information, and ranking information.

[3.6.2. Display Processing Unit 17]
The display processing unit 17 causes the display unit 11 to display the information acquired by the information acquisition unit 16. For example, the display processing unit 17 causes the display unit 11 to display the information acquired by the information acquisition unit 16.

3.6.3. Information output unit 18
The information output unit 18 transmits, for example, operation information corresponding to an operation on the operation unit 12 by the user U to the information processing device 1 via the communication unit 10. In addition, the information output unit 18 transmits detection information corresponding to information detected by the sensor group 13 to the information processing device 1 via the communication unit 10.

4. Configuration of information processing device 1
4 is a diagram showing an example of the configuration of the information processing device 1 according to the embodiment. As shown in FIG. 4, the information processing device 1 includes a communication unit 20, a storage unit 21, and a processing unit 22.

[4.1. Communication unit 20]
The communication unit 20 is realized by, for example, a NIC. The communication unit 20 is connected to a network N by wire or wirelessly, and transmits and receives information to and from various other devices. For example, the communication unit 20 transmits and receives information to and from the terminal device 2 via the network N.

[4.2. Storage unit 21]
The storage unit 21 is realized by, for example, a semiconductor memory element such as a RAM or a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 21 includes a user information storage unit 30, a portfolio information storage unit 31, It has an investment information storage unit 32.

[4.2.1. User information storage unit 30]
The user information storage unit 30 stores various information related to the user U. Fig. 5 is a diagram showing an example of a user information table stored in the user information storage unit 30 according to the embodiment. In the example shown in Fig. 5, the user information table stored in the user information storage unit 30 includes information on items such as "user ID (IDentifier)", "attribute information", "history information", "setting information", and "PID (Portfolio IDentifier)".

"User ID" is an identifier that identifies user U. "Attribute information" is attribute information related to the attributes of user U that are associated with the "user ID." The attributes of user U are, for example, demographic attributes, psychographic attributes, etc. Demographic attributes are demographic attributes, and include multiple attribute items such as age, gender, occupation, place of residence, annual income, and family structure.

Psychographic attributes are psychological attributes and include, for example, multiple attribute items related to lifestyle, values, interests, etc. For example, each of the multiple attribute items in the psychographic attributes is an object of interest to the user U, such as cars, clothes, travel, games, camping, motorcycles, trains, home appliances, or computers.

"History information" is history information including information on the behavioral history of user U in the online service associated with the "user ID." Information on the behavioral history of user U in the online service includes, for example, search history information in the online service of user U, browsing history information in the online service of user U, transaction history information in the online service of user U, and context history information of user U.

User U's search history information is, for example, information on User U's search history in a financial information service, information on User U's search history of web content on a search site, etc. User U's search history information in a financial information service includes information on keywords entered into a search box (described below) for searching for information related to finance.

The browsing history information of user U is, for example, information on the history of information viewed by user U in a financial information service. Information provided in a financial information service includes various types of information, such as investment product information, news, and posted information.

The investment product information is information about the investment product, and for example, when the investment product is a stock, it includes information such as the general situation, shareholder benefits, company profile, credit balance, and performance. The general situation information about the stock includes, for example, information such as price (valuation) trends, trading volume trends, unit share numbers, market capitalization, dividends, and shareholder benefits. The posted information is information such as comments posted by user U on the bulletin board of each investment product, and information such as reports posted by experts.

The information on user U's transaction history includes information on the investment products traded (bought and sold) by user U, information on the transaction amount, information on the transaction type (e.g., type such as buy, sell, etc.), transaction date and time, etc. Note that the information on user U's transaction history may be information that user U sets in the information processing device 1 using the terminal device 2.

The context history information of user U is history information of the user U context estimated by the processing unit 22. The context of user U is the situation of user U, and includes the motion state of user U, the emotions of user U, the current location of user U, the physical environment in which user U is placed, the social environment in which user U is placed, etc.

The "setting information" is setting information set by a user U associated with a "user ID", such as product specification information, user of interest specification information, investment-related information specification information, etc.

The product designation information is information indicating an investment target product designated by the user U from among the investment target products included in the user U's portfolio. The target user designation information is information on a target user designated by the user U or information on a target user estimated by the processing unit 22. The investment-related information designation information is information set by the user U as information to be included in specific investment-related information.

"PID" is an identifier that identifies the portfolio of user U associated with "user ID." Information on the portfolio of user U is obtained, for example, from an external information processing device, but may also be information set by user U.

[4.2.2. Portfolio information storage unit 31]
The portfolio information storage unit 31 stores information on the portfolio of the user U. Fig. 6 is a diagram showing an example of a portfolio information table stored in the portfolio information storage unit 31 according to the embodiment.

In the example shown in FIG. 6, the portfolio information table stored in the portfolio information storage unit 31 includes information on items such as "PID" and "Portfolio."

"PID" is an identifier that identifies a portfolio. "Portfolio" is information about the portfolio associated with "PID" and includes information about one or more investment target products included in the portfolio (e.g., product IDs). Note that the portfolio information associated with "PID" may include information indicating the composition ratio of the portfolio.

[4.2.3. Investment information storage unit 32]
The investment information storage unit 32 stores various information related to investments. For example, the investment information storage unit 32 stores investment target product information, which is information related to investment target products. 13 is a diagram showing an example of an investment target product information table stored in a storage unit 32. FIG.

In the example shown in FIG. 7, the investment target product information table stored in the investment information storage unit 32 includes information on items such as "Product ID," "Name," "Category," "Overview," "Company Information," "News," and "Bulletin Board."

"Product ID" is an identifier that identifies the investment product. "Name" is information indicating the name of the investment product associated with the "Product ID". "Category" is information indicating the category of the investment product associated with the "Product ID". Investment product categories include, for example, Japanese stocks, US stocks, bonds, investment trusts, REITs, ETFs, real estate, precious metals, virtual currencies, etc., but are not limited to these examples.

The categories of investment products are defined, for example, in a hierarchical structure, with the size of the category being larger the higher up in the hierarchical structure and smaller the lower up in the hierarchical structure. For example, the categories below the category "Japanese stocks" (subcategories of Japanese stocks) are the category "prime," the category "standard," the category "growth," etc., but they may also be categories by industry. The categories below the category "precious metals" are, for example, the category "gold," the category "silver," the category "platinum," etc.

"Overview" is information such as, for example, price (valuation) trends, trading volume trends, unit share numbers, market capitalization, dividends, and shareholder benefits. "Company information" is information about the company corresponding to the investment product. "News" is news information about the investment product, including, for example, news information about the company corresponding to the investment product. "Bulletin board" is information posted by user U about the investment product or information posted by user U about the company corresponding to the investment product.

Although not shown in FIG. 7, the "product ID" is associated with, for example, information indicating a price fluctuation forecast or information indicating a report, but may also be associated with various other information.

[4.3. Processing section 22]
The processing unit 22 is a controller, and is realized, for example, by a processor such as a CPU or an MPU, executing various programs (one example of an information processing program) stored in a storage device (for example, the storage unit 21) inside the information processing device 1 using a RAM as a working area. Also, the processing unit 22 may be realized in part or in whole by an integrated circuit such as an ASIC or an FPGA.

As shown in FIG. 4, the processing unit 22 has a reception unit 40, an acquisition unit 41, an estimation unit 42, a determination unit 43, a comparison unit 44, a decision unit 45, a generation unit 46, and a provision unit 47, and realizes or executes the functions and actions of the information processing described below. Note that the internal configuration of the processing unit 22 is not limited to the configuration shown in FIG. 4, and may be other configurations as long as they perform the information processing described below.

4.3.1. Reception unit 40
The reception unit 40 receives various requests and information from external information processing devices. For example, the reception unit 40 receives various requests, such as a home information request, an investment-related information request, a category display information request, a ranking information request, a subcategory detailed information request, and a portfolio information request, transmitted from the terminal device 2. The home information request is a type of request included in the investment-related information request.

The reception unit 40 also receives various information such as product designation information, category selection information, and user designation information of interest sent from the terminal device 2. The product designation information is information indicating an investment target product designated by the user U from among the investment target products included in the user U's portfolio. When the reception unit 40 receives the product designation information, it adds information indicating the investment target product indicated by the product designation information to the user information table of the user information storage unit 30.

The category selection information is information indicating a category selected by the user U to which the category display information is to be provided from among a plurality of categories. The interested user designation information is information indicating an interested user, that is, another user U in whom the user U is interested and designated by the user U.

When the reception unit 40 receives the information on the user of interest designation, it adds information indicating the user of interest indicated by the information on the user of interest designation to the user information table of the user information storage unit 30.

[4.3.2. Acquisition unit 41]
The acquisition unit 41 acquires various information from an external information processing device, and acquires various information from the storage unit 21. For example, the acquisition unit 41 acquires information about a user from an external information processing device or the terminal device 2. The user information, which is information about U, is acquired, and the acquired user information is added to a user information table in the user information storage unit 30.

When the user information acquired from the external information processing device or the terminal device 2 includes buying and selling information that is information regarding buying and selling of investment target products by the user U, the acquisition unit 41 updates the portfolio information table in the portfolio information storage unit 31 based on the buying and selling information. In addition, the acquisition unit 41 acquires information regarding the investment target products from the external information processing device, and adds the acquired information regarding the investment target products to the investment target product information table in the investment information storage unit 32.

The acquisition unit 41 also acquires, for example, information about user U stored in the user information storage unit 30, portfolio information about user U stored in the portfolio information storage unit 31, and information about investment target products stored in the investment information storage unit 32 when an investment-related information request is received by the reception unit 40 or at a predetermined interval.

For example, the acquisition unit 41 acquires the target user portfolio information and similar user portfolio information when the investment-related information request is accepted by the acceptance unit 40 or at a predetermined interval. The target user portfolio information is information on the target user portfolio, which is the portfolio of the target user who is the user U of the terminal device 2 that sent the investment-related information request. The similar user portfolio information is information on the similar user portfolio, which is the portfolio of a similar user.

The acquisition unit 41 also acquires information about the user U stored in the user information storage unit 30 and the portfolio information about the user U stored in the portfolio information storage unit 31 when a category display information request is received by the reception unit 40 or at a predetermined interval.

In addition, when the ranking information is accepted by the acceptance unit 40 or at a predetermined interval, the acquisition unit 41 acquires, for example, information about user U stored in the user information storage unit 30, portfolio information about user U stored in the portfolio information storage unit 31, and information about investment target products stored in the investment information storage unit 32.

[4.3.3. Estimation unit 42]
The estimation unit 42 estimates, based on the target user portfolio information and the information on the investment target products acquired by the acquisition unit 41, investment products included in the target user's portfolio that no longer satisfy the purpose held by the target user. Estimate the target product.

When the investment product is a stock product, the purpose of holding may be, for example, a specific shareholder benefit, dividends, share buybacks, or M&A (Mergers and Acquisitions). For example, the estimation unit 42 estimates an investment product that no longer has a specific shareholder benefit as an investment product that no longer satisfies the purpose for which the target user holds it. Shareholder benefits may be, for example, the provision of food products, gift certificates, coupons, gift certificates, or shareholder benefit cards.

The estimation unit 42 also estimates, for example, investment products included in the target user portfolio whose dividend decline rate over a predetermined period is equal to or greater than a threshold value as investment products that no longer satisfy the purpose of being held by the target user.

The estimation unit 42 also estimates, for example, investment products included in the target user portfolio that were purchased after news about a share buyback was released and for which the share buyback has ended, as investment products that no longer fulfill the purpose of being held by the target user.

The estimation unit 42 also estimates that, among the investment products included in the target user portfolio, investment products that were purchased after news about M&A was released and for which the M&A is predicted to be unsuccessful or investment products for which the M&A was unsuccessful are investment products that no longer fulfill the purpose of being held by the target user.

The estimation unit 42 can also estimate, for example, that an investment product included in the target user portfolio is an investment product that no longer satisfies the purpose of holding it by the target user, based on the holding purpose set by the target user.

The estimation unit 42 can also estimate, for example, that an investment product is one that no longer satisfies the purpose of holding it by the target user, using a learning model that inputs user information about the target user and outputs a holding purpose non-fulfillment score for each investment product.

In this case, the estimation unit 42 can estimate, for example, investment target products included in the target user portfolio that have a holding purpose non-fulfillment score output from the learning model equal to or greater than a threshold value as investment target products that no longer fulfill the purpose of holding by the target user.

The estimation unit 42 also estimates a user of interest, which is another user U in whom the target user has an interest. The estimation unit 42 estimates the user of interest, for example, based on the behavioral history information of the target user.

For example, the estimation unit 42 estimates, as users of interest, other users U who post blogs whose viewing frequency by the target user is equal to or exceeds a threshold, or other users U whom the target user follows on social media. The estimation unit 42 can also estimate, as users of interest, other users U whose portfolios are viewed by the target user at a frequency equal to or exceeds a threshold, or other users U designated as users of interest by similar users.

The estimation unit 42 can also estimate, as the user of interest, other users U who have posted content such as comments or news articles whose number of views or frequency of views by the target user is equal to or greater than a threshold value. The estimation unit 42 can also estimate, as the user of interest, other users U who have posted content such as comments or news articles whose number or frequency of positive evaluations (e.g., "likes") by the target user is equal to or greater than a threshold value.

The estimation unit 42 can also estimate, as users of interest, other users U who have portfolios similar to the target user's portfolio in terms of composition ratio or investment target products (e.g., stock brands).

[4.3.4. Judgment unit 43]
The determination unit 43 determines one or more users U who are similar to the target user in at least one of attributes and a composition ratio of a portfolio. A user U who is similar to the target user in attributes is a user who is similar to the target user in some respects. The attribute items of the user U are common to both users, and some of the attribute items can be specified by the target user, for example.

The attributes are, for example, demographic attributes, psychographic attributes, etc. The determination unit 43 determines similar users based on the attribute information acquired by the acquisition unit 41, etc. For example, when the attribute items of the target user include annual income of 5 million yen, Tokyo, age in 30s, and male, the determination unit 43 determines a male in his 30s who lives in Tokyo and has an annual income of 5 million yen as a similar user.

The composition ratio of the target user's portfolio is, for example, the ratio of the total value of each category of investment products held by the target user. The total value is the total valuation, which is the total market value (e.g., valuation) of multiple investment products included in a category. In addition to financial products, investment products include commodities such as precious metals, crude oil, wheat, and soybeans, and non-financial products such as real estate. Categories of investment products include, for example, Japanese stocks, US stocks, bonds, investment trusts, REITs, ETFs, real estate, precious metals, and virtual currencies.

For example, assume that the categories of investment products held by the target user are Japanese stocks, investment trusts, and REITs, and the user holds 10 million yen worth of Japanese stocks, 5 million yen worth of investment trusts, and 5 million yen worth of REITs. In this case, the composition of the portfolio is 50% Japanese stocks, 25% investment trusts, and 25% REITs.

The composition ratio of the portfolios being similar means, for example, that the difference in the ratio of the valuation amounts of each category is within a predetermined range, and the predetermined range is, for example, within 20%, but is not limited to such an example and may be, for example, a range specified by the target user. In addition, the composition ratio of the portfolios being similar means, for example, that some categories are not included.

The determination unit 43 can also determine similar users based on investment amounts and investment returns in addition to or instead of attributes and composition ratios. In the following, a similar user determined by the determination unit 43 without using investment amounts and investment returns may be referred to as a first similar user, and a similar user determined by the determination unit 43 using investment amounts and investment returns may be referred to as a second similar user.

The determination unit 43 can also determine, for example, another user U who has similar attributes to the target user and has invested a larger amount than the target user, as a second similar user. Based on information about the user U's portfolio, the determination unit 43 can calculate the total price (valued amount) of the investment target products held by the user U as the investment amount for each user U, and determine the second similar user based on the calculated investment amount.

The determination unit 43 can also determine, for example, another user U who has similar attributes to the target user and has a large investment gain as a second similar user. The determination unit 43 can calculate the investment gain of the total investment target products held by the user U for each user U based on information on the user U's portfolio, and determine the second similar user based on the calculated investment gain. The investment gain is short-term (e.g., a preset period of one year or less), medium-term (e.g., a preset period of one year or more but less than five years), or long-term (e.g., a preset period of five years or more).

The determination unit 43 can also determine, for example, another user U whose portfolio composition is similar to that of the target user and whose investment amount is greater than that of the target user, as a second similar user.The determination unit 43 can also determine, for example, another user U whose portfolio composition is similar to that of the target user and whose investment profits are greater than that of the target user, as a second similar user.

The determination unit 43 can also determine, as a second similar user, another user U whose portfolio composition is similar to that of the target user and whose investment amount and investment gains are both greater than those of the target user. The investment gains are, for example, short-term, medium-term, or long-term investment gains. For example, the determination unit 43 can determine investment gains over a shorter period the more frequently the target user uses the financial information service, and can also determine investment gains over a period specified by the target user.

The determination unit 43 can also determine the investment level of the target user based on the portfolio information of the target user. The investment level of the target user is higher as the target user has more investment experience.

The determination unit 43 determines the investment level of the target user based on, for example, the total amount of investment products held by the target user and the frequency of buying and selling. There are three investment levels: level 1 indicating a beginner, level 2 indicating an intermediate player, and level 3 indicating an advanced player, but there may also be two levels or four or more levels.

The determination unit 43 has, for example, a learning model generated by machine learning that takes user information of the target user as input and outputs a score indicating the target user's investment level, and can use such a learning model to determine the target user's investment level.

4.3.5. Comparison Unit 44
The comparison unit 44 compares the target user portfolio information and the similar user portfolio information acquired by the acquisition unit 41. The similar user portfolio information is, for example, information on the portfolio of the first similar user or information on the portfolio of the second similar user described above, but may be information on another user U whose user information is similar to that of the target user.

The comparison unit 44, for example, compares the composition ratio of the target user portfolio with the composition ratio of the similar user portfolio based on the target user portfolio information and the similar user portfolio information.

The portfolio composition ratio is, for example, the ratio of the total amount (valued amount) for each category of investment products held by the target user, and the comparison by the comparison unit 44 between the composition ratio of the target user portfolio and the composition ratio of the similar user portfolio is, for example, a comparison of the ratio of the total amount (valued amount) for each category.

Similar user portfolio information is, for example, information indicating a similar user average portfolio obtained by averaging the composition ratios of the portfolios of multiple similar users. The similar user average portfolio is a portfolio obtained by averaging the composition ratios of the portfolios of all similar users, but is not limited to such an example.

For example, the similar user average portfolio may be an averaged portfolio obtained by averaging the composition ratios of the portfolios of a predetermined number of first similar users in descending order of investment profit. The similar user average portfolio may also be a portfolio obtained by averaging the composition ratios of the portfolios of a predetermined number of first similar users in descending order of valuation.

The similar user average portfolio may be the portfolio of the similar user with the highest investment return or the portfolio of the similar user with the highest valuation. The similar user average portfolio may be the portfolio of the similar user with the highest score obtained by weighting the investment return and the valuation.

Furthermore, the similar user portfolio information is not limited to the portfolio of a similar user determined by the determination unit 43. For example, the similar user portfolio information may be information indicating a portfolio of a similar user designated by the target user from among multiple similar user portfolios. Furthermore, the similar user portfolio information may be information indicating a portfolio of a similar user randomly selected by the comparison unit 44 from among multiple similar users determined by the determination unit 43.

The comparison of the composition ratio of the target user portfolio with the composition ratio of the similar user portfolio may be a comparison of some of the composition ratios. For example, the comparison unit 44 may compare a predetermined number of categories from among the multiple categories included in the target user's portfolio in descending order of valuation amount, and not compare other categories.

The comparison unit 44 can also compare a predetermined number of categories from among the multiple categories included in the target user's portfolio in order of lowest investment return, and not compare the other categories.

The comparison unit 44 can also select a predetermined number of categories from among the multiple categories included in the target user's portfolio in order of the highest score obtained by weighting the investment return and the valuation amount, and not select other categories as comparison targets.

The comparison unit 44 can also select categories other than those excluded by the user U as comparison targets, and not select categories that have been excluded as comparison targets as comparison targets.

4.3.6. Determination unit 45
The determination unit 45 determines a proposed product, which is an investment target product to be proposed to the target user, based on the portfolio information acquired by the acquisition unit 41. The determination unit 45 determines, for example, a first proposed product and a second proposed product as the proposed products, which are investment target products to be proposed to the target user.

For example, when a home information request or an investment-related information request is received by the reception unit 40 or when a predetermined period has arrived, the determination unit 45 determines the first suggested product and the second suggested product based on the portfolio information acquired by the acquisition unit 41.

First, the first proposed product will be described. The determination unit 45 determines, based on the target user portfolio information, an investment product that can maintain the composition ratio of the target user's portfolio within a predetermined fluctuation range as the first proposed product.

The specified fluctuation range, which is a predetermined fluctuation range, is, for example, a range in which the fluctuation rate of each category is within 10%, or a range in which the fluctuation rate of each category is within 20%, but is not limited to such examples and may also be a range specified by the target user.

The determination unit 45, for example, determines an investment product to be proposed to the target user as an investment product to be added to the target user portfolio as the first proposed product. The determination unit 45 also determines an investment product to be proposed to the target user as a replacement target for a replacement candidate product included in the target user portfolio as the first proposed product. The replacement candidate product is an investment product included in the target user portfolio and is a candidate for replacement with the first proposed product.

The determination unit 45, for example, determines as the first proposed product an investment product that is not included in the target user portfolio and is held by a similar user. For example, the determination unit 45 determines as the first proposed product an investment product whose composition ratio falls within a specified fluctuation range when added to the target user portfolio and whose number of purchased similar users satisfies a predetermined first condition.

The first condition is, for example, an investment product for which the number of similar users who have purchased is equal to or exceeds a threshold value or is the highest, or an investment product for which the number of similar users who have purchased from a predetermined period before to the present is equal to or exceeds a threshold value or is the highest, but is not limited to such examples.

The determination unit 45 can determine, for example, an investment target product included in the target user portfolio and designated by the target user as a replacement candidate product, and determine an investment target product similar to the replacement candidate product as the first proposed product. The investment target product included in the target user portfolio and designated by the target user is, for example, an investment target product identified by the product designation information received by the reception unit 40.

An investment product similar to a replacement candidate product is, for example, a product in the same category and with a similar price, and is an investment product that is predicted to provide greater profits to user U than the replacement candidate product. The profits that user U can obtain are investment gains that include dividends (including predicted dividends) and the like.

The determination unit 45 can also determine, as replacement candidate products, investment target products that are estimated by the estimation unit 42 to no longer satisfy the holding purpose, which is the purpose for which the target user holds the investment target products included in the portfolio.

In this case, the determination unit 45 determines, for example, as the first proposed product, an investment product that is not included in the target user portfolio and is estimated to satisfy the holding purpose that is no longer satisfied by the replacement candidate product. If the investment product is a stock product, the holding purpose may be, for example, a specific shareholder benefit, dividends, share buyback, or M&A.

For example, assume that the holding purpose estimated by the estimation unit 42 to be no longer satisfied is a specific shareholder benefit. In this case, the determination unit 45 determines, as the first proposed product, an investment target product that is not included in the portfolio and has a specific shareholder benefit. The shareholder benefit is the provision of food products, gift certificates, coupons, gift certificates, or shareholder benefit cards.

For example, if the determination unit 45 determines a product of a stock stock that has discontinued the provision of food products as a shareholder benefit as a candidate replacement product, it determines a product of a stock stock that still provides food products as a shareholder benefit as the first proposed product.

Also, assume that the holding purpose estimated by the estimation unit 42 to be no longer satisfied is dividends. In this case, the determination unit 45 determines the investment target product whose dividends no longer satisfy the holding purpose as a replacement candidate product. Then, the determination unit 45 determines, for example, as the first proposed product, an investment target product that is not included in the portfolio and has a dividend payout ratio equal to or greater than that of the replacement candidate product before the dividend reduction.

In addition, it is assumed that the holding purpose estimated by the estimation unit 42 to be no longer satisfied is a share buyback. In this case, the determination unit 45 determines the investment target product for which the share buyback has disappeared as a replacement candidate product. Then, the determination unit 45 determines, for example, an investment target product that is not included in the portfolio and for which a share buyback has been decided or an investment target product for which a share buyback has been initiated as the first proposed product.

Also, assume that the holding purpose estimated by the estimation unit 42 to be no longer satisfied is M&A. In this case, the determination unit 45 determines the investment target product for which M&A has disappeared as a replacement candidate product. Then, the determination unit 45 determines, for example, the investment target product that is not included in the portfolio and for which M&A has been decided as the first proposed product.

The determination unit 45 can also determine as the first proposed product an investment product whose composition ratio falls within a specified fluctuation range when replaced and whose number of similar users who have purchased the product satisfies a predetermined second condition. The second condition is, for example, an investment product whose number of similar users who have purchased the product is equal to or exceeds a threshold value or whose number of similar users who have purchased the product from a predetermined period before to the present is equal to or exceeds a threshold value or whose number of similar users who have purchased the product from a predetermined period before to the present is not limited to such examples.

Next, the second suggested product will be described. The determination unit 45 determines the second suggested product based on the result of the comparison between the target user portfolio information and the similar user portfolio information by the comparison unit 44.

The determination unit 45, for example, determines an investment product to be added to the target user portfolio as the second proposed product, or determines an investment product to be proposed to the target user as a replacement for an investment product included in the target user portfolio as the second proposed product.

The determination unit 45 determines, as the second proposed product, an investment product that approaches the composition ratio of the similar user's portfolio when held. For example, the determination unit 45 determines, as the second proposed product, an investment product that approaches the composition ratio of the similar user's portfolio when held and that is held by a number of similar users that satisfies a predetermined third condition.

The third condition is, for example, an investment product that has more than a threshold number of similar users held by the investment product or the highest number of similar users held by the investment product during the period from a predetermined period before to the present, but is not limited to such examples.

The determination unit 45 also determines information about the user of interest, which is information about investment and corresponds to the behavioral history of the user of interest. For example, the determination unit 45 determines information about the user of interest based on the user information acquired by the acquisition unit 41 when a home information request or an investment-related information request is accepted by the acceptance unit 40 or when a predetermined period has arrived.

The user of interest is another user U who has been accepted as a user of interest by the accepting unit 40, or another user U who is estimated by the estimating unit 42 to be of interest to the target user.

The user information of interest includes currently viewed information, which is information currently being viewed by the user of interest, and viewed information, which is information previously viewed by the user of interest. Viewed information is information that is viewed by the user of interest at a frequency equal to or greater than a threshold, or information that has been viewed by the user of interest in the period from a predetermined period before to the present or immediately preceding it.

The target user information may be information set by the user U as information to be included in specific investment-related information by the target user, and the determination unit 45 can determine the target user information based on the investment-related information designation information acquired by the acquisition unit 41.

Furthermore, the user information of interest may include, for example, information on investment products purchased by the user of interest or information on investment products sold by the user of interest, instead of or in addition to the currently viewed information and the viewed information.

The determination unit 45 can also determine, based on the relevance between the transaction history information of the user of interest and the browsing history information of the user of interest, the currently viewed information or the viewed information corresponding to such relevance as the user of interest information. In this case, the determination unit 45 can determine, for example, the currently viewed information or the viewed information corresponding to such relevance as the user of interest information, based on the relevance between the transaction history information of the user of interest corresponding to the transaction history information of the target user and the browsing history information of the user of interest.

For example, the determination unit 45 can determine, as the user of interest information, reference information that is information that a user of interest who holds the same investment product as the target user refers to or that is used as reference when trading the investment product.

In addition, the user-of-interest information is not limited to information about one user of interest, but may include information about multiple users of interest. The determination unit 45 can also determine, as the user-of-interest information, information according to statistical trends obtained from the behavioral histories of multiple users of interest.

For example, the determination unit 45 can determine, as the user-of-interest information, information that has been viewed or is currently being viewed by a threshold or more of the specific plurality of users of interest during a specified period of time. The specific plurality of users of interest is, for example, a predetermined percentage or more of the multiple users of interest designated by the target user or estimated by the information processing device 1.

Furthermore, the determination unit 45 can also determine, as the interested user information, information according to statistical trends in the transaction history based on the results of the viewing of the interested user. For example, the information processing device 1 can determine, as the interested user information, information on investment target products that make up a certain percentage or more of the investment target products that were traded after a threshold or more of a specific number of interested users viewed information during the most recent specified period.

[4.3.7. Generation unit 46]
The generating unit 46 generates various information. For example, the generating unit 46 generates information based on the information acquired by the acquiring unit 41, the estimation result by the estimating unit 42, the determination result by the determining unit 43, the comparison result by the comparing unit 44, and Various information is generated based on the determination result by the determination unit 45, etc.

The generating unit 46 generates various information such as home information, investment-related information, category display information, and ranking information, for example, based on the result of the request received by the receiving unit 40. For example, when a home information request is received by the receiving unit 40, the generating unit 46 generates home information. The investment-related information, category display information, and ranking information are described in detail below in that order. Note that home information is a type of information included in the investment-related information.

[4.3.7.1. Investment-related information]
The generating unit 46 generates investment-related information, for example, when an investment-related information request is received by the receiving unit 40 or when a predetermined periodic timing arrives. The generating unit 46 generates investment-related information based on the information acquired by the acquiring unit 41, the estimation result by the estimating unit 42, the determination result by the determining unit 43, the comparison result by the comparing unit 44, the determination result by the determining unit 45, etc.

For example, the generation unit 46 generates investment-related information according to the designated information included in the investment-related information request received by the reception unit 40. The designated information is, for example, information indicating one or more information types designated by the user U. The information types include, for example, investment target products, news, bulletin boards, and the specific investment-related information described above. The specific investment-related information includes multiple pieces of information designated in advance by the user U. Note that the designated information may be information for identifying the investment-related information designated information.

When the specification information included in the investment-related information request is information specifying the above-mentioned specific investment-related information, the generation unit 46 generates the specific investment-related information. The specific investment-related information includes, for example, first proposed product information that is information indicating the first proposed product determined by the determination unit 45, second proposed product information that is information indicating the second offered product determined by the determination unit 45, and user information of interest determined by the determination unit 45.

The generating unit 46 can highlight the user information of interest determined by the determining unit 45 compared to other information. The user information of interest is, for example, currently viewed information or already viewed information. For example, the generating unit 46 highlights currently viewed information or already viewed information among the investment-related information compared to other information.

Highlighting is performed, for example, by making the characters, frame, background, etc., different from other areas. For example, the generation unit 46 performs highlighting by increasing the size of the characters, making the characters bold, or making the color of the characters stand out (for example, red). The generation unit 46 can also perform highlighting by making the frame surrounding the currently viewed information or the already viewed information thicker, making the color of the frame surrounding the currently viewed information or the already viewed information stand out, or making the background color stand out.

Note that the information included in the specific investment-related information is not limited to the above-mentioned examples. For example, the information included in the specific investment-related information may include ranking information or category display information, and may not include one or more of the first suggested product information, the second suggested product information, and the interested user information. User U can add and change the information included in the specific investment-related information.

In addition, when the specified information included in the investment-related information request is information that specifies a specific investment target product (e.g., Japanese stocks of Company A), the generation unit 46 generates information about the specific investment target product as investment-related information.

In addition, when the specified information included in the investment-related information request is information that specifies specific news (e.g., news about Japanese stocks), the generation unit 46 generates news information that is information about the specific news as investment-related information.

In addition, when the specified information included in the investment-related information request is information that specifies a specific bulletin board (for example, a bulletin board for U.S. stocks or a bulletin board for Company A's Japanese stocks), the generation unit 46 generates bulletin board information, which is information on the specific bulletin board, as investment-related information.

The generation unit 46 can also generate information including information of a type corresponding to the investment level, the information being specified by the specification information included in the investment-related information request. For example, home information corresponding to the investment level of the target user determined by the determination unit 43 is generated as the investment-related information. The home information corresponding to the investment level is, for example, information in which multiple types of information corresponding to the investment level are arranged in an order corresponding to the investment level. The home information is information of the home screen in the financial information service, and is also called information of the top page screen.

For example, when the investment level of the target user is level 1, the generation unit 46 generates home information in which multiple types of information linked to level 1 are arranged in an order corresponding to level 1. When the investment level of the target user is level 2, the generation unit 46 generates home information in which multiple types of information linked to level 2 are arranged in an order corresponding to level 2. When the investment level of the target user is level 3, the generation unit 46 generates home information in which multiple types of information linked to level 3 are arranged in an order corresponding to level 3.

In addition, when the specified information included in the investment-related information request is information specifying a specific investment target product, the generation unit 46 generates investment target product information, which is information on the investment target product, as the investment-related information. In this case, the generation unit 46 can also generate, for example, investment target product information according to the investment level of the target user determined by the determination unit 43 as the investment-related information. The investment target product information according to the investment level is, for example, information in which multiple types of information according to the investment level are arranged in an order according to the investment level.

For example, when the investment level of the target user is level 1, the generation unit 46 generates investment target product information in which one or more types of information associated with level 1 are arranged in an order corresponding to level 1. When the investment level of the target user is level 2, the generation unit 46 generates investment target product information in which one or more types of information associated with level 2 are arranged in an order corresponding to level 2. When the investment level of the target user is level 3, the generation unit 46 generates investment target product information in which one or more types of information associated with level 3 are arranged in an order corresponding to level 3.

In addition, when generating home information, investment product information, news information, bulletin board information, or the like, the generation unit 46 can also highlight information among this information that is currently being viewed by the user of interest or information that the user of interest has viewed within a predetermined period of time in the past.

[4.3.7.2. Category Display Information]
The generating unit 46 generates the category display information, for example, when a category display information request is received by the receiving unit 40 or when a timing of a predetermined period arrives. The generating unit 46 generates the category display information based on, for example, the portfolio information of each user U stored in the portfolio information storage unit 31.

For example, the generation unit 46 generates category display information that is information indicating each category of investment target products in a manner according to the investment status for each category. The investment target categories are, for example, Japanese stocks, US stocks, bonds, investment trusts, REITs, ETFs, real estate, precious metals, virtual currencies, etc.

The investment status is at least one of the number of users, which is the number of users who hold the investment products included in the category, and the category valuation, which is the total value of the investment products included in the category.

The information indicating the category may include, for example, at least one of a character string indicating the category, a figure indicating the category (including a frame), a symbol indicating the category, and a picture indicating the category, but is not limited to such examples.

The generation unit 46 generates, as category display information, information indicating each category in a manner according to the investment state, in which the degree of emphasis is increased as at least one of the number of users and the category valuation amount is increased. If the information indicating the category is a shape containing text, the larger the shape indicating the category, the higher the degree of emphasis. Also, if the information indicating the category contains text, the larger the text indicating the category, the higher the degree of emphasis.

The generating unit 46 generates, as category display information, information indicating each category in a manner according to the investment state, for example, in which the degree of emphasis is increased as at least one of the number of users who own the category and the category valuation amount is increased. If the information indicating a category is a shape containing letters indicating the category, the degree of emphasis is increased as the letters indicating the category or the shape indicating the category is increased.

For example, when the information indicating a category is a graphic containing text, the generation unit 46 generates, as category display information, information indicating each category in such a manner that the graphic or text indicating the category is larger and more emphasized for a category having a larger number of users and/or a larger category valuation amount.

In addition, the generation unit 46 calculates a score by weighting and adding the number of users and the category valuation amount, and the larger the score of the category, the larger the figure representing the category.

The generation unit 46 also generates, as category display information, information that shows an investment category, which is one of a plurality of categories in which the target user has invested, in a manner different from a non-investment category, which is a category in which the target user has not invested. For example, the generation unit 46 highlights the investment category more than the non-investment category, thereby making the investment category different from the non-investment category. This allows the user U to easily distinguish the investment category.

The generating unit 46 also generates category display information in which a graphic representing an investment category among a plurality of categories is positioned closer to the reference position than a graphic representing a non-investment category. This allows the user U to more easily distinguish the investment category.

The reference position is, for example, the central area of the category display information, but is not limited to this example. For example, if scrolling is required to display all of the category display information, the reference position may be the center of the area displayed at first view in the category display information.

The generating unit 46 can also generate, as category display information, information in an uninvested category, which is a category in which the target user has not invested, in which the information indicating the uninvested category having a greater number of similar users who hold the investment target product is positioned closer to the reference position.

In addition, when a single category is selected by the user U from among the multiple categories indicated in the category display information, the generation unit 46 generates, as category display information, information indicating multiple subcategories included in the selected category arranged around the information indicating the selected category.

Here, let us assume that the selected category is "Japanese Stocks." In this case, the multiple subcategories are "Stock Prices," "Charts," "News," "Board Quotes," "Time Series," "Shareholder Benefits," "Reports," and "Forecasts."

In the category display information, the information indicating each of the multiple subcategories is a selectable GUI, and the user U can display information of the selected subcategory by selecting information indicating the subcategory in the category display information.

For example, if user U selects the subcategory "Stock prices," information including a list of stock prices for Japanese stocks is displayed on terminal device 2, and if user U selects the subcategory "Charts," information including a list of stock price charts for Japanese stocks is displayed on terminal device 2.

In addition, if the user U selects the subcategory "News", information including a list of news about Japanese stocks is displayed on the terminal device 2, and if the user U selects the subcategory "Order quotes", information including a list of order quotes for Japanese stocks is displayed on the terminal device 2.

Furthermore, the multiple subcategories may be, for example, the category "Prime," the category "Standard," the category "Growth," etc., when the selected category is "Japanese stocks."

In this case, for example, if user U selects the subcategory "Prime", information including a list of stocks in the prime market is displayed on the terminal device 2, and if user U selects the subcategory "Standard", information including a list of stocks in the standard market is displayed on the terminal device 2. Also, if user U selects the subcategory "Growth", information including a list of stocks in the growth market is displayed on the terminal device 2.

The generating unit 46 can generate category display information including information indicating each subcategory in a manner corresponding to the investment status for each subcategory of the investment target product, similar to the information indicating the category described above. Whether or not to generate information indicating each subcategory in a manner corresponding to the investment status can be determined, for example, by the settings of the user U. Such information indicating the settings of the user U is stored in the user information storage unit 30, and the generating unit 46 generates information indicating the subcategories based on the information indicating the settings of the user U.

In addition, like the information indicating a category, the information indicating a subcategory may include, for example, at least one of a character string indicating a subcategory, a figure indicating a subcategory (including a frame), a symbol indicating a subcategory, and a picture indicating a subcategory, but is not limited to such examples.

In addition, when generating the category display information, the generation unit 46 can also highlight information from among the categories indicated in the category display information that is currently being viewed by the user of interest or categories that the user of interest has viewed within a predetermined period of time in the past.

[4.3.7.3. Ranking Information]
The generation unit 46 generates ranking information based on the portfolios of a plurality of users U. For example, the generation unit 46 generates portfolio ranking information, which is information ranking the portfolios, based on the portfolio information of a plurality of users U as ranking information.

The portfolio ranking information is, for example, at least one of information ranking the valuation values of the portfolios and information ranking the investment returns of the portfolios.

The generation unit 46 can also generate information ranking multiple portfolios including the target user's portfolio and the portfolios of other users U similar to the target user as portfolio ranking information.

The other user U similar to the target user is, for example, a first similar user determined by the determination unit 43. The first similar user is another user U similar to the target user in one of the attributes and composition ratio.

A user U whose attributes are similar to those of the target user is a user U who shares some attribute items (e.g., gender, age, location, annual income, etc.) with the target user, and some attribute items can be specified by the target user, for example.

The generation unit 46 can also generate, as portfolio ranking information, information that ranks multiple portfolios including the target user's portfolio and the portfolios of multiple other users U whose portfolio composition is similar to that of the target user.

The generation unit 46 also generates ranking information including investment proposal information, which is information on investments required for the target user's portfolio to rank up in the portfolio ranking. The investment proposal information is, for example, information indicating the amount of investment required to rank up.

The rank-up in the investment proposal information is a predetermined number of rank-ups, for example, a rank-up of one rank or a rank-up of five ranks. Note that the rank-up in the investment proposal information may be a number of rank-ups specified by the target user.

In addition to or in addition to the portfolio ranking, the generation unit 46 can also generate product ranking information, which is information on product rankings that rank investment target products included in the portfolios of multiple users U, as ranking information.

For example, the generation unit 46 can generate product ranking information as ranking information based on the target user portfolio information and multiple similar user portfolio information. The generation unit 46 generates product ranking information as ranking information, which is product ranking information that ranks investment target products included in at least one of the target user's portfolio and the similar user's portfolio.

Product rankings are rankings of investment products based on index values such as the rate of price increase, rate of price decrease, trading volume, trading value, surge rate, or cap-up rate over a predetermined period (e.g., one hour, one day, one month, one year, etc.) or a period specified by the target user.

The generation unit 46 can also generate product ranking information, which is information on product rankings that rank the investment target products included in the portfolios of similar users, as ranking information.

The generation unit 46 can also generate product ranking information, which is product ranking information that ranks investment target products held by multiple users U having attributes specified by the target user, based on user portfolio information of multiple users U having attributes specified by the target user.

When generating ranking information, the generating unit 46 can also highlight information currently being viewed by the user of interest among the multiple user portfolios indicated in the ranking information, or user portfolios that the user of interest has viewed within a predetermined period of time in the past.

In addition, when generating ranking information, the generation unit 46 can also highlight information among the multiple investment target products indicated in the ranking information that is currently being viewed by the user of interest or investment target products that the user of interest has viewed within a predetermined period in the past.

[4.3.8. Providing Department 47]
The providing unit 47 provides various types of information. For example, the providing unit 47 transmits various types of information to the terminal device 2 via the communication unit 20 to provide the various types of information to the user U.

For example, the providing unit 47 transmits various pieces of information generated by the generating unit 46 to the terminal device 2 via the communication unit 20, and provides the various pieces of information to the user U. The information provided to the user U includes, for example, the above-mentioned first suggested product information, second suggested product information, category display information, ranking information, investment proposal information, and interested user information.

When a home information request is received by the receiving unit 40, the providing unit 47 provides the home information generated by the generating unit 46. In addition, when a request for investment-related information is received by the receiving unit 40, the providing unit 47 provides investment-related information including information corresponding to the designated information included in the investment-related information request. The designated information is, for example, information that identifies the investment-related information designated information.

For example, assume that the specification information included in the investment-related information request is information specifying the first suggested product information, the second suggested product information, and the user of interest information. In this case, the providing unit 47 provides investment-related information including the first suggested product information, the second suggested product information, and the user of interest information generated by the generating unit 46.

The user-of-interest information generated by the generation unit 46 is information that includes information according to the behavioral history of the user-of-interest. Such user-of-interest information is, for example, information in a state in which investment-related information that is being viewed by other users U is highlighted, or information in a state in which investment-related information that has been viewed by other users U is highlighted.

The providing unit 47 also provides category display information including subcategory information, which is information indicating multiple subcategories included in the selected category, which is a category specified by the selection information received by the receiving unit 40 and selected by the user U. The subcategory information includes, for example, information indicating the multiple subcategories included in the selected category in a manner according to the investment state.

The providing unit 47 also provides information in which information indicating the portfolio of user U and information indicating the portfolios of similar users are arranged side by side. The information indicating the portfolios of similar users displayed side by side with the information indicating the portfolio of user U is, for example, information indicating a similar user average portfolio obtained by averaging the composition ratios of the portfolios of multiple similar users, but is not limited to such an example.

The similar user average portfolio may be, for example, an average of a predetermined number of portfolios of multiple similar users extracted in descending order of investment profits or valuation. The similar user average portfolio may be, for example, an average of a predetermined number of portfolios of multiple similar users extracted in descending order of scores obtained by weighting and adding investment profits and valuation.

The similar user portfolio may be the portfolio of the similar user with the highest investment return or the portfolio of the similar user with the highest valuation. The similar user portfolio may be the portfolio of the similar user with the highest score obtained by weighting the investment return and the valuation.

The similar user portfolio may be a portfolio of a similar user specified by the target user from among multiple similar user portfolios, or may be a portfolio of a similar user randomly selected by the comparison unit 44.

Here, a display example of information provided by the providing unit 47 and displayed on the terminal device 2 will be described. FIG. 8 is a diagram showing an example of home information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2.

The home information 50 shown in FIG. 8 includes a search box 51, a search button 52, Nikkei average information 53a, NY (New York) Dow information 53b, USD/JPY exchange rate information 53c, a quick earnings report button 54, portfolio information 55, first suggested product information 56, and second suggested product information 57. The home information 50 shown in FIG. 8 also includes a home button 58a, a news button 58b, a category button 58c, a ranking button 58d, and a similar user button 58e.

A search keyword is input into the search box 51 by the user U operating the operation unit 12. When the user U operates the operation unit 12 to select the search button 52 with the search keyword input into the search box 51, the information output unit 18 of the terminal device 2 transmits a search query including the search keyword input into the search box 51 to the information processing device 1.

The providing unit 47 transmits search results corresponding to the search keywords included in the search query to the terminal device 2. The search results are acquired by the information acquiring unit 16 and displayed on the display unit 11 by the display processing unit 17.

The Nikkei average information 53a is information on the Nikkei average, the NY Dow information 53b is information on the New York Dow, and the USD/JPY rate information 53c is information on the exchange rate between the USD and the JPY. The quick settlement button 54 is a GUI for displaying the quick settlement information on the display unit 11.

The portfolio information 55 is information about the target user's portfolio, and includes information such as total assets (valued value of the portfolio), valuation profit and loss (profit and loss from investment), and composition ratio. The portfolio information 55 includes a details button 55a, and when the user U operates the operation unit 12 to select the details button 55a, the information output unit 18 of the terminal device 2 sends a portfolio information request to the information processing device 1.

When a portfolio information request is received by the receiving unit 40, the providing unit 47 transmits detailed information about the target user's portfolio to the terminal device 2. Such detailed information is acquired by the information acquiring unit 16 and displayed on the display unit 11 by the display processing unit 17.

The first proposed product information 56 includes information on a replacement candidate product and information on the first proposed product. The replacement candidate product is an investment target product included in the target user portfolio and is a candidate for replacement with the first proposed product, and is determined by the determination unit 45. The first proposed product is an investment target product proposed to be replaced with the replacement candidate product in the target user portfolio, and is determined by the determination unit 45.

The first proposed product information 56 shown in FIG. 8 indicates that the replacement candidate product is a stock of Company B, the first proposed product is a stock of Company F, and that the provision of food as a shareholder benefit for the stock of Company B has been discontinued, while the provision of food as a shareholder benefit for the stock of Company F is ongoing. This allows user U to easily understand the replacement candidate product, the first proposed product, and the reason for the proposal.

The second proposed product information 57 includes information on the second proposed product. The second proposed product is an investment target product proposed based on the result of comparing the target user portfolio information with the similar user portfolio information, and is determined by the determination unit 45. In the second proposed product information 57 shown in FIG. 8, shares of Company C, Company D, Company G, Company K, and gold are each shown as the second proposed product.

The home button 58a is a GUI for displaying home information 50 on the display unit 11 when information displayed on the display unit 11 is other than home information 50. The news button 58b is a GUI for displaying news information on the display unit 11.

The category button 58c is a GUI for displaying category display information on the display unit 11. The ranking button 58d is a GUI for displaying ranking information on the display unit 11. The similar user button 58e is a GUI for displaying similar user information on the display unit 11.

As described above, home information 50 is information in which multiple types of information corresponding to the target user's investment level are arranged in an order corresponding to the target user's investment level. For example, home information 50 shown in FIG. 8 is home information when the target user's investment level is 2, but is not limited to this example. Note that home information 50 may be investment-related information that includes multiple pieces of information corresponding to the investment-related information designation information.

Next, we will explain the category display information that is displayed on the display unit 11 when a category button 58c or the like is selected. Figure 9 is a diagram showing an example of category display information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2.

The category display information 60 shown in FIG. 9 includes multiple pieces of category information 61a, 61b, 61c, 61d, 61e, 61f, 61g, 61h, and 61i. Category information 61a is a category graphic indicating the category "Japanese stocks", category information 61b is a category graphic indicating the category "US stocks", and category information 61c is a category graphic indicating the category "bonds".

In addition, category information 61d is a category graphic indicating the category "investment trust", category information 61e is a category graphic indicating the category "REIT", and category information 61f is a category graphic indicating the category "ETF".

In addition, category information 61g is a category graphic indicating the category "real estate", category information 61h is a category graphic indicating the category "precious metals", and category information 61i is a category graphic indicating the category "virtual currency".

In the category display information 60 shown in FIG. 9, each of the multiple category information 61a, 61b, 61c, 61d, 61e, 61f, 61g, 61h, and 61i is displayed in a manner corresponding to the investment status. As described above, the investment status is at least one of the number of users who are users U who hold the investment target products included in the category and the total value (total valuation) of the investment target products included in the category. In the following, when each of the category information 61a, 61b, 61c, 61d, 61e, 61f, 61g, 61h, and 61i is shown without being individually distinguished, it may be described as category information 61.

Category information 61 includes, for example, at least one of a character string indicating a category, a figure (including a frame) indicating a category, a symbol indicating a category, and a picture indicating a category, but is not limited to such examples.

In the category display information 60, for example, as a mode according to the investment status, each category information 61 is displayed with a higher degree of emphasis the greater at least one of the number of users who own the category and the category valuation.

The category information 61 shown in FIG. 9 is a graphic containing text that indicates the category, and the larger the graphic indicating the category, the higher the degree of emphasis. In the example shown in FIG. 9, category information 61a is the largest, followed by category information 61g, and category information 61i is the smallest.

In addition, in the category display information 60, among the multiple categories, an investment category, which is a category in which the target user has invested, is displayed in a manner different from a non-investment category, which is a category in which the target user has not invested.

For example, in the example shown in FIG. 9, category information 61a, 61b, 61c, 61d, and 61h and category information 61e, 61f, 61g, and 61i are shown in different forms. The different forms are, for example, different colors, but may also be different shapes of figures or different thicknesses of external lines (lines of the external shapes of figures), or may be different forms other than the above examples.

In addition, in the category display information 60, the category information 61 indicating the investment category among the multiple categories is positioned closer to the reference position than the category information 61 indicating the non-investment category. In the example shown in FIG. 9, the reference position is a position included in the category information 61a in the category display information 60, but is not limited to such an example.

In addition, in the category display information 60, the category information 61 corresponding to the investment category with the highest total assessed value of the investment target products is positioned closer to the reference position.In addition, in the category display information 60, the category information 61 corresponding to the investment category with the highest total assessed value of the investment target products held by the target user may be positioned closer to the reference position.

In addition, in the category display information 60, the category information 61 corresponding to the investment category with the highest total valuation of the investment target products held by the target user may be displayed in a darker color. Also, in the category display information 60, the information indicating the category with the greater number of similar users holding the investment target products among the categories in which the target user has not invested may be positioned closer to the reference position.

In addition, in the category display information 60, the user U can select category information 61 corresponding to a desired category from among multiple pieces of category information 61. When the user U selects category information 61 by operating the operation unit 12, the information output unit 18 of the terminal device 2 transmits a category display information request including information indicating the category corresponding to the category information 61 to the information processing device 1.

The providing unit 47 transmits category display information including multiple subcategory information indicating corresponding subcategories among multiple subcategories included in the category specified in the category display information request to the terminal device 2. Such category display information is acquired by the information acquiring unit 16 and displayed on the display unit 11 by the display processing unit 17.

Fig. 10 is a diagram showing another example of category display information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2. The category display information 60 shown in Fig. 10 is information provided by the providing unit 47 and displayed on the display unit 11 of the terminal device 2 when the user U selects the category information 61a shown in Fig. 9.

The category display information 60 shown in FIG. 10 includes a plurality of pieces of category information 61a, 61b, 61c, 61d, 61e, 61f, 61g, 61h, and 61i, as well as a plurality of pieces of subcategory information 62a, 62b, 62c, 62d, 62e, 62f, 62g, and 62h. Each of the plurality of pieces of subcategory information 62a, 62b, 62c, 62d, 62e, 62f, 62g, and 62h is information indicating a subcategory included in the category indicated by the category information 61a.

Subcategory information 62a is a GUI for displaying information in the "Stock Prices" subcategory, subcategory information 62b is a GUI for displaying information in the "Charts" subcategory, and subcategory information 62c is a GUI for displaying information in the "News" subcategory.

Furthermore, subcategory information 62d is a GUI for displaying information in the subcategory "Order quotes," subcategory information 62e is a GUI for displaying information in the subcategory "Time series," and subcategory information 62f is a GUI for displaying information in the subcategory "Shareholder benefits."

Furthermore, subcategory information 62g is a GUI for displaying information in the subcategory "report," and subcategory information 62h is a GUI for displaying information in the subcategory "forecast." In the following, when each of the subcategory information 62a, 62b, 62c, 62d, 62e, 62f, 62g, and 62h is not individually indicated, they may be referred to as "subcategory information 62."

The subcategory information 62 includes, for example, at least one of a character string indicating a subcategory, a figure indicating a subcategory (including a frame), a symbol indicating a subcategory, and a picture indicating a subcategory, but is not limited to such examples.

In addition, in the category display information 60 shown in FIG. 10, the user U can select from the subcategory information 62 the subcategory information 62 that corresponds to a desired subcategory. When the user U selects the subcategory information 62 by operating the operation unit 12, the information output unit 18 of the terminal device 2 transmits a subcategory detailed information request including detailed information on the subcategory that corresponds to the subcategory information 62 to the information processing device 1.

The providing unit 47 transmits to the terminal device 2 the subcategory detail information, which is the detailed information of the subcategory specified in the subcategory detail information request. Such subcategory detail information is acquired by the information acquiring unit 16 and displayed on the display unit 11 by the display processing unit 17. For example, when the subcategory information 62a corresponding to the subcategory "Stock prices" is selected, information including a stock price list including the stock prices of each Japanese stock is displayed on the display unit 11 as the subcategory detail information.

The multiple subcategories included in the category indicated by the selected category information 61a may be, for example, a subcategory "Prime," a subcategory "Standard," and a subcategory "Growth."

In this case, the category display information 60 includes subcategory information indicating the subcategory "Prime", subcategory information indicating the subcategory "Prime", and subcategory information indicating the subcategory "Prime". In this case, the category display information 60 includes subcategory information indicating each subcategory in a manner according to the investment status for each subcategory of the investment target product, similar to the information indicating the categories described above.

For example, if user U selects the subcategory "Prime", information including a list of stocks in the prime market is displayed on the terminal device 2, and if user U selects the subcategory "Standard", information including a list of stocks in the standard market is displayed on the terminal device 2. For example, if user U selects the subcategory "Growth", information including a list of stocks in the growth market is displayed on the terminal device 2.

The category information 61 included in the category display information 60 does not have to be a selectable GUI and may simply be an image. Also, the subcategory information 62 included in the category display information 60 does not have to be a selectable GUI and may simply be an image.

Next, we will explain the ranking information displayed on the display unit 11 when the ranking button 58d or the like is selected. Figure 11 is a diagram showing an example of ranking information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2.

The ranking information 70 shown in FIG. 11 includes attribute information 71, target user portfolio information 73, multiple similar user portfolio information 74a, 74b, 74c, and a top information display button 75. The attribute information 71 is information indicating the attributes of the user U to be ranked. The attributes of the user U to be ranked include multiple attribute items possessed by the target user.

In the attribute information 71 shown in FIG. 11, multiple attribute items of the target user include annual income of 5 million yen, Tokyo, age 30s, and male, and the attributes of user U to be ranked are shown to be male in his 30s living in Tokyo with an annual income of 5 million yen.

The attribute information 71 also includes multiple attribute item buttons 72a, 72b, 72c, and 72d, and an item addition button 76. In the attribute information 71 shown in FIG. 11, the attribute item buttons 72a, 72b, 72c, and 72d are highlighted, and the attribute item buttons 72a, 72b, 72c, and 72d indicate that the attributes of the user U to be ranked are a man in his 30s residing in Tokyo with an annual income of 5 million yen. In the following, when the multiple attribute item buttons 72a, 72b, 72c, and 72d are referred to without being individually distinguished, they may be referred to as attribute item buttons 72.

The attribute item button 72 is a GUI that allows the user to deselect or reselect an attribute item. By operating the operation unit 12 of the terminal device 2 to select the attribute item button 72, the user U can deselect or reselect an attribute item for identifying similar users.

For example, in the state shown in FIG. 11, the user U can operate the attribute item button 72d to cancel "Tokyo" as an attribute item for identifying similar users. In this case, the providing unit 47 transmits ranking information to the terminal device 2 in which the attribute of the user U to be ranked is a man in his 30s with an annual income of 5 million yen, and causes the display unit 11 to display the changed ranking information.

The add item button 76 is a GUI for adding attribute items of user U to be ranked. By selecting the add item button 76, user U can display a list of attribute items on the display unit 11 and select a desired attribute item from the list of attribute items.

In this case, the providing unit 47 transmits to the terminal device 2 ranking information that ranks users U whose attributes further include the attribute items selected as the attribute items of the users U to be ranked, and causes the display unit 11 to display the changed ranking information.

The target user portfolio information 73 is information related to the target user's portfolio. The target user portfolio information 73 shown in FIG. 11 includes information indicating the ranking of the target user's portfolio, information indicating the appraised value of the target user's portfolio, and investment proposal information, which is information indicating the amount of investment required to rank up.

Each of the multiple similar user portfolio information 74a, 74b, and 74c is information on a similar user portfolio, which is a portfolio of a similar user having a portfolio with an appraised value close to the appraised value of the target user's portfolio. Each of the similar user portfolio information 74a, 74b, and 74c can be selected by the user U, and detailed information on the similar user portfolio corresponding to the selected similar user portfolio information is displayed on the display unit 11.

The top information display button 75 is a GUI for displaying information on similar user portfolios with the highest valuation amounts on the display unit 11. In the example shown in FIG. 11, this is a GUI for displaying information on similar user portfolios ranked 1st to 5th on the display unit 11.

Fig. 12 is a diagram showing another example of ranking information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2. The ranking information 70 shown in Fig. 12 is displayed on the display unit 11, for example, when the ranking button 58d is selected by the user U while the ranking information 70 shown in Fig. 11 is displayed on the display unit 11.

The ranking information 70 shown in FIG. 11 includes attribute information 71, a category selection area 77, and multiple pieces of investment product information 78a, 78b, 78c, 78d, 78e, and 78f. The category selection area 77 includes information indicating the category of the currently selected investment product, and multiple change buttons for changing the category. User U can change the category to be ranked by selecting a change button in the category selection area 77.

The multiple investment target product information 78a, 78b, 78c, 78d, 78e, and 78f is a GUI that includes information indicating multiple investment target products held by multiple users U who have the attribute items indicated in the attribute information 71, and is information ranked from 1st to 6th. In the following, when the multiple investment target product information 78a, 78b, 78c, 78d, 78e, and 78f is referred to without distinguishing each of them individually, they may be referred to as investment target product information 78.

When the user U selects the investment target product information 78 by operating the operation unit 12 of the terminal device 2, detailed information of the investment target information corresponding to the selected investment target product information 78 is provided to the terminal device 2 by the providing unit 47 and displayed on the display unit 11. The detailed information of the investment target information is an example of investment-related information, and may be referred to below as detailed investment target product information.

When the user U selects the ranking button 58d while the home information 50 shown in FIG. 8 is displayed on the display unit 11, the providing unit 47 can also cause the display unit 11 to display ranking type selection information for selecting a type of ranking information.

The ranking type selection information includes ranking selection buttons for selecting corresponding ranking information from among multiple types of ranking information, including the ranking information 70 shown in FIG. 11 and the ranking information 70 shown in FIG. 12. When a ranking selection button is selected by the user U, the providing unit 47 causes the display unit 11 to display the ranking information corresponding to the selected ranking selection button.

Next, we will explain the target user portfolio information, which is the portfolio information of the target user that is displayed on the display unit 11 when a details button 55a or the like included in the portfolio information 55 is selected. Figure 13 is a diagram showing an example of the target user portfolio information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2.

The target user portfolio information 80 shown in FIG. 13 includes attribute information 81, portfolio comparison information 83, portfolio comparison result information 84, and similar user portfolio information 85.

Attribute information 81 is information indicating one or more common attribute items, which are attribute items that serve as the criterion for determining whether a user is a similar user among multiple attribute items that indicate the attributes of a target user. In the example shown in FIG. 13, four common attribute items are shown, and it is indicated that a man in his 30s who lives in Tokyo and has an annual income of 5 million yen has been determined to be a similar user.

The attribute information 81 includes multiple attribute item buttons 82a, 82b, 82c, and 82d, a category selection button 86, and an item addition button 87. In the attribute information 81 shown in FIG. 13, the attribute item buttons 82a, 82b, 82c, and 82d are highlighted.

These attribute item buttons 82a, 82b, 82c, and 82d indicate that the multiple attribute items that serve as criteria for determining similar users are annual income of 5 million yen, residence in Tokyo, age 30, and male. In the following, when the multiple attribute item buttons 82a, 82b, 82c, and 82d are not individually distinguished from one another, they may be referred to as attribute item buttons 82.

The attribute item button 82 is a GUI that allows the user to deselect or reselect an attribute item. By operating the operation unit 12 of the terminal device 2 to select the attribute item button 82, the user U can deselect or reselect an attribute item for identifying similar users.

For example, in the state shown in FIG. 13, the user U can operate the attribute item button 82d to cancel "Tokyo" as an attribute item for identifying similar users. In this case, the providing unit 47 transmits the target user portfolio information 80 to the terminal device 2 in which the multiple attribute items serving as criteria for determining similar users are annual income of 5 million yen, age in 30s, and male, and causes the display unit 11 to display the changed target user portfolio information 80.

The category selection button 86 is a GUI that is selected by the user U when the user U does not want to include a specific category in the portfolio, and in the example shown in FIG. 13, it is selected when the user U does not want to include the category "real estate" in the portfolio. Note that the category selection button 86 is not limited to the category "real estate", and may be a GUI that is selected when no other category is to be included instead of or in addition to the category "real estate".

The add item button 87 is a GUI for adding attribute items that are used as criteria for determining similar users. By selecting the add item button 87, the user U can display an attribute item list on the display unit 11 and select the desired attribute item from the attribute item list.

In this case, the providing unit 47 transmits target user portfolio information 80 to the terminal device 2, in which the user U has attributes that further include the attribute items selected from the attribute item list as similar users, and causes the display unit 11 to display the changed target user portfolio information 80.

The portfolio comparison information 83 is information that arranges information showing the target user's portfolio and information showing the portfolios of similar users. In the example shown in FIG. 13, the portfolio comparison information 83 is information that arranges a stacked bar graph showing the composition ratio of the target user's portfolio and a stacked bar graph showing the portfolios of similar users. The information showing the portfolios is not limited to a stacked bar graph, and may be a pie chart, or a bar graph or line graph showing the proportions for each category.

In the example shown in FIG. 13, similar user portfolio information, which is information about the portfolios of similar users included in the portfolio comparison information 83, is information that indicates a similar user average portfolio obtained by averaging the composition ratios of the portfolios of multiple similar users.

The similar user portfolio information may be information indicating the portfolio of a similar user with the highest investment profit or information indicating the portfolio of a similar user with the highest valuation amount. The similar user portfolio information may also be information indicating the portfolio of a similar user with the highest score obtained by weighting and adding the investment profit and the valuation amount.

The portfolio comparison result information 84 is information indicating the results of a comparison between the target user's portfolio and the portfolios of similar users. In the example shown in FIG. 13, the portfolio of the similar users is, for example, the similar user average portfolio.

In the example shown in FIG. 13, the portfolio comparison result information 84 includes information about categories that have a difference of 5 points (5%) or more in the comparison results for each category between the target user's portfolio and the similar user average portfolio.

Specifically, in the example shown in FIG. 13, the portfolio comparison result information 84 includes information indicating the character string "Compared to the average," the character string "The proportion of real estate appears to be 17 points higher," the character string "The proportion of Japanese stocks appears to be 18 points lower," and the character string "The proportion of investment trusts appears to be 8 points lower."

Similar user portfolio information 85 includes information on each category of the similar user's portfolio. In the example shown in FIG. 13, the similar user's portfolio is a similar user average portfolio.

Specifically, in the example shown in FIG. 13, the portfolio comparison result information 84 indicates that the valuation value of the category "real estate" in the similar user average portfolio is 3 million, and the valuation value of the category "Japanese stocks" is 8 million.

Next, we will explain the investment target product details information that is displayed on the display unit 11 when the investment target product information 78, etc., included in the ranking information 70 shown in FIG. 12 is selected. FIG. 14 is a diagram showing an example of the investment target product details information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2.

The investment product details information 90 shown in FIG. 14 is information provided to the terminal device 2 of the target user when, for example, the investment product selected by the target user is stocks of Company A and the investment level of the target user is Level 2. In the example shown in FIG. 14, the investment product details information 90 includes investment information 91, 92, and 93.

The investment information 91 includes emotion information 91a including an emotion graph generated based on comments posted by multiple users U about Company A, and featured comment information 91b which is information on comments that are attracting attention among the comments posted by multiple users U about Company A.

In the example shown in FIG. 14, featured comment information 91b is highlighted as the user of interest information, indicating that the details of the comment indicated in featured comment information 91b are being viewed by the user of interest or have been viewed by the user of interest.

Investment information 92 is information showing the details of shareholder benefits offered by Company A. Investment information 93 is information showing a chart of Company A's stock. Note that investment product details information 90 includes investment information other than investment information 91, 92, and 93, and user U can display investment information other than investment information 91, 92, and 93 on display unit 11 by operating operation unit 12 to perform a scroll operation or the like on investment product details information 90.

Figure 15 is a diagram showing another example of investment product details information provided by the providing unit 47 of the information processing device 1 according to the embodiment and displayed on the display unit 11 of the terminal device 2. The investment product details information 90 shown in Figure 15 is information provided to the terminal device 2 of the target user when, for example, the investment product selected by the target user is shares of Company A and the investment level of the target user is Level 1.

In the example shown in FIG. 15, the investment product details information 90 includes investment information 93, 94, and 95. Investment information 94 is information including information on the stock price of Company A on the day. Investment information 95 is information including information on various items such as the market capitalization and unit number of Company A's shares.

The investment target product details information 90 includes investment information other than the investment information 93, 94, and 95, and the user U can display the investment information other than the investment information 93, 94, and 95 on the display unit 11 by performing a scroll operation or the like on the investment target product details information 90.

The investment product details information 90 shown in FIG. 15 also includes information that is highlighted as user of interest information, and user U can know that the investment product details information 90 is being viewed by a user of interest or has been viewed by a user of interest by operating the operation unit 12 to perform a scroll operation or the like on the investment product details information 90.

5. Processing Procedure
Next, a procedure of information processing by the processing unit 22 of the information processing device 1 according to the embodiment will be described. Fig. 16 is a flowchart showing an example of information processing by the processing unit 22 of the information processing device 1 according to the embodiment.

As shown in FIG. 16, the processing unit 22 of the information processing device 1 determines whether or not a request has been received from the terminal device 2 (step S20). The request from the terminal device 2 may be, for example, the above-mentioned home information request, investment-related information request, category display information request, ranking information request, subcategory detailed information request, portfolio information request, etc.

When the processing unit 22 determines that a request has been received (step S20: Yes), it generates information according to the received request and performs an information provision process of transmitting the generated information to the terminal device 2 (step S21). When the processing unit 22 has finished the process of step S21 or has determined that the request has not been satisfied (step S20: No), it determines whether or not it has received setting information from the terminal device 2 (step S22).

When the processing unit 22 determines that the setting information has been received from the terminal device 2 (step S22: Yes), the processing unit 22 stores the received setting information in the storage unit 21 (step S23). When the processing of step S23 is completed or when the processing unit 22 determines that the setting information has not been received from the terminal device 2 (step S22: No), the processing unit 22 determines whether or not the estimation timing has arrived (step S24). The estimation timing is the timing to execute the function of the estimation unit 42 described above.

When the processing unit 22 determines that the estimation timing has arrived (step S24: Yes), it performs estimation processing (step S25). The estimation processing in step S25 is the estimation processing described above in the estimation unit 42 described above. When the processing unit 22 determines that the estimation timing has not arrived (step S24: No) after the processing in step S25 has ended, it determines whether the judgment timing has arrived (step S26). The judgment timing is the timing to execute the function of the judgment unit 43 described above.

When the processing unit 22 determines that the judgment timing has arrived (step S26: Yes), it performs judgment processing (step S27). The judgment processing of step S27 is the judgment processing described above in the judgment unit 43 described above. When the processing of step S27 is completed, and when the processing unit 22 determines that the judgment timing has not arrived (step S26: No), it determines whether or not the comparison timing has arrived (step S28). The comparison timing is the timing to execute the function of the comparison unit 44 described above.

When the processing unit 22 determines that it is time to compare (step S28: Yes), it performs a comparison process (step S29). The comparison process of step S29 is the above-mentioned comparison process in the comparison unit 44 described above. When the processing of step S29 is completed, or when the processing unit 22 determines that it is not time to compare (step S28: No), it determines whether it is time to decide (step S30). The decision timing is the timing to execute the function of the decision unit 45 described above.

When the processing unit 22 determines that the decision timing has arrived (step S30: Yes), it performs the decision process (step S31). The decision process of step S31 is the decision process described above in the decision unit 45 described above. When the processing of step S31 ends, or when the processing unit 22 determines that the decision timing has not arrived (step S30: No), it determines whether the operation end timing has arrived (step S32). The processing unit 22 determines that the operation end timing has arrived, for example, when the power supply of the information processing device 1 has been turned off, or when it determines that an end operation has been performed by operating an operation unit (not shown) of the information processing device 1.

If the processing unit 22 determines that the operation end time has not yet arrived (step S32: No), it transitions to step S20, and if it determines that the operation end time has arrived (step S32: Yes), it terminates the processing shown in FIG. 16.

The processing unit 22 can perform the processes of steps S20 and S21, steps S22 and S23, steps S24 and S25, steps S26 and S27, steps S28 and S29, and steps S30 and S31 in parallel.

6. Modifications
The above-mentioned learning model is generated by machine learning using a neural network such as a convolutional neural network, a recurrent neural network, or a deep neural network, but is not limited to such examples. For example, instead of a neural network, the learning model may be generated using machine learning using a learning algorithm such as a gradient boosting decision tree (GBDT), linear regression, or logistic regression.

The terminal device 2 can cooperate with the information processing device 1 to execute some or all of the functions of one or more of the reception unit 40, acquisition unit 41, estimation unit 42, judgment unit 43, comparison unit 44, decision unit 45, generation unit 46, and provision unit 47, and can function as a part of an information processing device having some or all of the functions of one or more of the reception unit 40, acquisition unit 41, estimation unit 42, judgment unit 43, comparison unit 44, decision unit 45, generation unit 46, and provision unit 47. Note that hereinafter, a configuration including some or all of the above-mentioned information processing device 1 and terminal device 2 may be referred to as information processing device 1.

The processing unit 15 shown in FIG. 3 is realized, for example, by a processor such as a CPU or MPU, which executes various programs (examples of information processing programs) stored in a storage device (for example, the storage unit 14) inside the terminal device 2 using the RAM as a working area.

7. Hardware Configuration
Each of the information processing device 1 and the terminal device 2 according to the embodiment described above is realized by a computer 200 having a configuration as shown in Fig. 17. Fig. 17 is a hardware configuration diagram showing an example of the computer 200 that realizes each function of the information processing device 1 and the terminal device 2 according to the embodiment. The computer 200 has a CPU 201, a RAM 202, a ROM (Read Only Memory) 203, a HDD (Hard Disk Drive) 204, a communication interface (I/F) 205, an input/output interface (I/F) 206, and a media interface (I/F) 207.

The CPU 201 operates based on a program stored in the ROM 203 or the HDD 204, and controls each component. The ROM 203 stores a boot program executed by the CPU 201 when the computer 200 is started, and programs that depend on the hardware of the computer 200.

The HDD 204 stores programs executed by the CPU 201 and data used by such programs. The communication interface 205 receives data from other devices via the network N (see FIG. 2) and sends it to the CPU 201, and transmits data generated by the CPU 201 to other devices via the network N.

The CPU 201 controls output devices such as a display and a printer, and input devices such as a keyboard and a mouse, via the input/output interface 206. The CPU 201 acquires data from the input devices via the input/output interface 206. The CPU 201 also outputs data generated via the input/output interface 206 to the output devices.

The media interface 207 reads a program or data stored in the recording medium 208 and provides it to the CPU 201 via the RAM 202. The CPU 201 loads the program from the recording medium 208 onto the RAM 202 via the media interface 207 and executes the loaded program. The recording medium 208 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable Disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory.

For example, when the computer 200 functions as the information processing device 1 according to the embodiment, the CPU 201 of the computer 200 executes a program loaded onto the RAM 202 to realize the functions of the processing unit 15 and the processing unit 22. In addition, the HDD 204 stores data in the storage unit 14 or the storage unit 21. The CPU 201 of the computer 200 reads and executes these programs from the recording medium 208, but as another example, these programs may be obtained from another device via the network N.

[8. Other]
In addition, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically by a known method. In addition, the information including the processing procedures, specific names, various data and parameters shown in the above documents and drawings can be changed arbitrarily unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

In addition, each component of each device shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various loads, usage conditions, etc.

For example, the information processing device 1 described above may be realized by multiple server computers, and depending on the functions, the configuration can be flexibly changed, such as by calling an external platform using an API or network computing.

The above-described embodiments and variations can be combined as appropriate to the extent that they do not cause inconsistencies in the processing content.

9. Effects
As described above, the information processing device 1 according to the embodiment includes the generation unit 46 and the provision unit 47. The generation unit 46 generates category display information that is information indicating each category of investment target products in a manner according to the investment status. The provision unit 47 provides the category display information generated by the generation unit 46. This allows the information processing device 1 to improve the convenience of the user U.

The investment status is at least one of the number of users U who own the investment target products included in the category and the total value of the investment target products included in the category. This allows the information processing device 1 to improve the convenience of the user U.

The generating unit 46 also generates, as category display information, information showing each category in a manner in which the degree of emphasis increases as at least one of the number of users holding the category and the total amount increases, as a manner according to the investment status. This allows the information processing device 1 to improve the convenience of the user U.

The generating unit 46 also generates, as category display information, information indicating each category in a manner in which the larger the category is in at least one of the number of users holding the category and the total amount, as a manner according to the investment status. This enables the information processing device 1 to improve the convenience for the user U.

The generating unit 46 also generates, as category display information, information that shows, among the multiple categories, investment categories in which the recipient user, who is the user U to whom the category display information is provided, has invested, in a manner different from non-investment categories in which the recipient user has not invested. This enables the information processing device 1 to improve the convenience of the user U.

The generating unit 46 also generates, as category display information, information in which figures indicating investment categories among a plurality of categories are positioned closer to the reference position than figures indicating non-investment categories. This allows the information processing device 1 to improve the convenience of the user U.

The generation unit 46 also generates, as category display information, information that is positioned closer to the reference position so that the information indicating a category having a greater number of other users U who hold investment target products in an uninvested category and are similar to the user U. This allows the information processing device 1 to improve the convenience for the user U.

The information processing device 1 also includes a reception unit 40 that receives a selection of a category by a user U to which the category display information is to be provided from among the multiple categories. The provision unit 47 provides information indicating multiple categories included in a selected category, which is a category whose selection has been received by the reception unit 40. This enables the information processing device 1 to improve the convenience of the user U.

The providing unit 47 also provides information indicating a plurality of categories included in the category selected by the receiving unit 40 in a manner corresponding to the investment status. This allows the information processing device 1 to improve the convenience of the user U.

The above describes the embodiments of the present application in detail with reference to the drawings, but this is merely an example, and the present invention can be embodied in other forms with various modifications and improvements based on the knowledge of those skilled in the art, including the forms described in the disclosure section of the invention.

In addition, the above-mentioned "section, module, unit" can be read as "means" or "circuit." For example, an acquisition unit can be read as an acquisition means or an acquisition circuit.

REFERENCE SIGNS LIST 1 Information processing device 2 Terminal device 10, 20 Communication unit 11 Display unit 12 Operation unit 13 Sensor group 14, 21 Storage unit 15, 22 Processing unit 16 Information acquisition unit 17 Display processing unit 18 Information output unit 30 User information storage unit 31 Portfolio information storage unit 32 Investment information storage unit 40 Reception unit 41 Acquisition unit 42 Estimation unit 43 Determination unit 44 Comparison unit 45 Decision unit 46 Generation unit 47 Provision unit 100 Information processing system

Claims (8)

A generation unit that generates category display information that is information showing each category of investment target products in a manner corresponding to the investment status for each category of investment target products;
a providing unit that provides the category display information generated by the generating unit ,
The generation unit is
The category display information is generated by displaying each of the categories in a manner in which the degree of emphasis is increased as at least one of the number of users who hold the investment target products included in the category and the total value of the investment target products included in the category is increased as a manner according to the investment status, and by displaying, in the same area, an investment category in which a destination user who is a user to whom the category display information is provided has invested and an uninvested category in which the destination user has not invested, in different manners from each other.
23. An information processing apparatus comprising: The generation unit is
The information processing device according to claim 1, characterized in that the category display information is generated in such a way that the larger the figure representing the category, the larger at least one of the number of holding users and the total amount, as a mode corresponding to the investment status, is highlighted. The generation unit is
3 . The information processing apparatus according to claim 1 , further comprising: generating, as the category display information, information in which a graphic representing the investment category among the plurality of categories is positioned closer to a reference position than a graphic representing the non-investment category. 4 . The generation unit is
The information processing device according to claim 3, characterized in that the information indicating a category having a larger number of other users who hold investment target products in the non-investment category and are similar to the user is positioned closer to a reference position as the category display information. a reception unit that receives a selection of a category by a user to whom the category display information is to be provided from among the plurality of categories,
The providing unit is
The information processing device according to claim 1 , further comprising: providing information indicating a plurality of categories included in a selected category, the category for which the selection has been accepted by the accepting unit. The providing unit is
The information processing device according to claim 5 , further comprising: providing information indicating a plurality of categories included in the category for which the selection has been accepted by the accepting unit, in a form corresponding to an investment state. 1. A computer-implemented information processing method, comprising:
A generating step of generating category display information which is information showing each category of investment target products in a manner corresponding to the investment status for each category of investment target products;
a providing step of providing the category display information generated by the generating step ,
The generating step includes:
The category display information is generated by displaying each of the categories in a manner in which the degree of emphasis is increased as at least one of the number of users who hold the investment target products included in the category and the total value of the investment target products included in the category is increased as a manner according to the investment status, and by displaying, in the same area, an investment category in which a destination user who is a user to whom the category display information is provided has invested and an uninvested category in which the destination user has not invested, in different manners from each other.
23. An information processing method comprising: A generation step of generating category display information which is information showing each category of investment target products in a manner corresponding to the investment status for each category of investment target products;
a providing step of providing the category display information generated by the generating step ;
The generating procedure includes:
The category display information is generated by displaying each of the categories in a manner in which the degree of emphasis is increased as at least one of the number of users who hold the investment target products included in the category and the total value of the investment target products included in the category is increased as a manner according to the investment status, and by displaying, in the same area, an investment category in which a destination user who is a user to whom the category display information is provided has invested and an uninvested category in which the destination user has not invested, in different manners from each other.
2. An information processing program comprising:

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