JP2001283008A - Financial advice device and financial advice system - Google Patents

Abstract

(57) [Summary] [PROBLEMS] To provide a financial advice system that allows a user himself to easily input personal information and, as a result, effectively presents a financial plan, financial advice, and the like to the user. . SOLUTION: The financial advice system according to the present invention has terminal devices 20a and 20b such as PCs having a client function and inputting personal information of a user, and a mobile phone having a client function and inputting personal information of the user. Has a server function with a portable terminal device 20c such as
A financial advice device 10 for creating financial advice from personal information;
a to 20 c and a computer network 30 such as the Internet for connecting the financial advice device 10.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial advice apparatus and a financial advice system capable of providing financial advice based on personal information such as private information such as the age, sex, and family structure of an individual, personal information such as asset information, and income and expenditure information. About.
In particular, the present invention relates to a financial advice device and a financial advice system capable of providing financial advice based on personal information input using the Internet.

[0002]

2. Description of the Related Art Generally, financial advice for an individual is based on personal information such as private information such as the age, sex, and family structure of the individual, asset information, and balance information.

[0003] In this financial advice, when the financial advisor prepares the contents of the advice, the application load is reduced by using an application that supports the preparation of the advice.
In addition, it is possible to provide advice that eliminates arbitrary elements and ensures accurate and constant quality.

[0004]

However, in the current financial advisor support application, in order to create financial advice based on input of input information and output results output from the support application, the financial advisor is required to provide the financial advisor with the financial advisor. Since a skill as a planner is required, there is a problem that it is difficult to personally and quickly create a financial plan for itself and analyze the result.

Accordingly, an object of the present invention is to provide a financial advice apparatus and a financial advice apparatus which allow a user to easily input personal information and, as a result, can effectively present a financial plan and financial advice to the user. The purpose is to provide a financial advice system.

[0006]

In order to solve the above-mentioned problems, a financial advice device of the present invention is a financial advice device for creating financial advice in response to input of personal information, and is connected to a computer network such as the Internet. And
Network processing means for transmitting an information input screen to a terminal device connected to a computer network and receiving personal information input to each item of the information input screen from the terminal device, and storing predetermined financial advice as advice data Advice recording means, financial processing means for creating financial advice including character information based on each item of personal information received by the network processing means, and advice data recorded in the advice recording means, and financial processing Transmitting means for transmitting the financial advice obtained by the means.

[0007] Here, the network processing means is a Web processing unit.
The information input screen may be transmitted to the terminal device by a page.

[0008] The transmitting means may be connected to a computer network and transmit the financial advice obtained by the financial processing means to the terminal device. At this time, the transmitting unit can transmit the financial advice obtained by the financial processing unit to the terminal device by a Web page, or transmits the financial advice obtained by the financial processing unit to the terminal device by e-mail. You can, too. Further, the transmission means can be connected to the communication line network and transmit the financial advice obtained by the financial processing means to the facsimile.

[0009] The financial processing means, based on each item of personal information received by the network processing means and the advice data recorded in the advice recording means, generates financial advice including character information as a user's life design. A user's cache as financial advice including character information based on life design processing means for creating a sheet, personal information items received by the network processing means, and advice data recorded in the advice recording means; Cash flow processing means for creating a flow chart.

[0010] In order to solve the above problems, a financial advice system according to a first aspect of the present invention comprises:
A financial advice system comprising a terminal device for inputting personal information of a user, a financial advice device for creating financial advice from personal information, and a computer network such as the Internet for connecting the terminal device and the financial advice device, The financial advice device is the financial advice device described above.

[0011] In order to solve the above problems, a financial advice system according to a second aspect of the present invention comprises:
A financial advice system comprising a terminal device for inputting personal information of a user, a financial advice device for creating financial advice from personal information, and a computer network such as the Internet for connecting the terminal device and the financial advice device, The financial advice apparatus is a financial advice apparatus including the above-described life design processing means and cash flow processing means, and includes a Web server having a network processing means and a transmission means, an advice recording means, and a
It is characterized by comprising a life design server having design processing means and a cash flow server having advice recording means and cash flow processing means.

Here, the Web server, the life design server, and the cash flow server that constitute the financial advice device can be independently connected to a computer network.

An information input screen is transmitted to a terminal connected to a computer network such as the Internet, and personal information input to each item of the information input screen from the terminal device and advice data of advice prepared in advance are transmitted. Since the financial advice is created based on the information, the user can easily input personal information, and as a result, a financial plan, financial advice, and the like can be effectively presented to the user.

[0014]

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing an embodiment of a financial advice apparatus and a system financial advice system according to the present invention.

FIG. 1 is a diagram showing one form of a system financial advice system to which the financial advice device of the present invention is applied.

This financial advice system has a client function and a terminal device 20 such as a PC (Personal Computer) for inputting personal information of a user.
a and 20b, a mobile terminal device 20c having a client function and inputting personal information of a user, such as a mobile phone,
A financial advice device (hereinafter, also simply referred to as “server”) 10 having a server function and creating financial advice from personal information, each terminal device (hereinafter, also simply referred to as “client”) 20a to 20c, and a financial advice device And a computer network (hereinafter, also simply referred to as “network”) 30 such as the Internet for connecting the network 10.

Here, the server 10 is connected to a communication network 40 such as a telephone network, and is connected to the communication network.
Information can be sent to facsimile machines (hereinafter, also simply referred to as "FAX") 41a and 41b installed on the user side.

The network 30 can be constructed using the Internet or an intranet.
In this case, an existing application or system conforming to the Internet communication protocol can be used, so that the financial advice system of the present invention can be realized at low cost.

FIG. 2 is a diagram showing an example of the configuration of the server 10 shown in FIG. In FIG. 2, a server 10 has a Web DB (Web Data Base) for storing a Web page or a network application serving as an information input screen.
13 and terminal devices 20 a to 20 c (FIG. 1) connected to the computer network 30 such as the Internet and connected to the computer network 30.
W that transmits the information input screen stored in the bDB 13 and receives the user's personal information input to each item of the information input screen from the terminal devices 20a to 20c (FIG. 1).
an web page processing unit 11, a user information DB 14 for storing received personal information of the user, an advice DB 15 for storing predetermined financial advice as advice data, individual items of the personal information received by the web page processing unit 11, A financial execution unit 12 that creates financial advice including character information based on the advice data recorded in the advice DB 15, and a result DB 16 that stores the financial advice created by the financial execution unit 12.
And a communication unit 17 connected to the communication network 40 and connected to the communication network 40 to transmit and receive image data to and from the facsimile machines 41a and 41b (FIG. 1). Character information described in the received image data is converted into advice data of a predetermined format and stored in the user information DB 14,
An image data processing unit 19 that converts the financial advice stored in the result DB 16 into image data and transfers the image data to the communication unit 17, and converts the financial advice stored in the result DB 16 into a predetermined sheet or FD (Fl
an output unit 18 for outputting to a recording medium such as an oppy disk) and a display device.

Here, the web page processing unit 11 transmits the financial advice stored in the result DB 16 to the terminal devices 20a to 20
0c (FIG. 1).

In the communication unit 17, the communication network 4
The personal information of the user transmitted from the user's FAX 41a, 41b (FIG. 1) via the "0" is received as image data. At this time, the image data processing unit 19
The personal information of the user recognized as the image data received by the communication unit 17 is converted into advice data of a predetermined format and stored in the user information DB 14. The image data processing unit 19 also stores the result DB 16
Is converted into image data and passed to the communication unit 17.

Further, the financial execution unit 12
The web page processing unit 11 receives the user information DB 14
Items of personal information stored in the database and the advice DB
15 based on the advice data stored in
Life design processing unit 12b for creating a user's life design sheet as financial advice including character information, personal information items received by Web page processing unit 11 and stored in user information DB 14, A cash flow processing unit 12a that creates a user cash flow chart as financial advice including character information based on the advice data stored in the advice DB 15.

Next, the operation of the financial advice device (server 10) and the financial advice system of the present invention shown in FIGS. 1 and 2 will be described. In the following description, as a specific example, the terminal device 20a is described as a PC having a client function and the computer network 30 is the Internet.

First, a user connects to a Web page processing unit 11 of a server 10 from a terminal device (hereinafter, also referred to as “PC”) 20 a on the user side via a computer network (hereinafter, also referred to as “Internet”) 30. I do. In response to the connection request from the PC 20a, the Web page processing unit 11 searches the Web page stored in the Web DB 13 for the information input screen Web page, and transmits the Web page to the PC 20a. This allows P
On the screen of C20a, a Web page of the information input screen is displayed.

Next, from the PC 20a, the We
Personal information required for each item on page b is input, and the personal information is transmitted to the Web of server 10 via network 30.
It is transmitted to the page processing unit 11. Here, the user can select to receive advice on the life line sheet, the cash flow chart, or both as financial advice.

The personal information required for each item on the Web page includes a user's name, age, family structure, income,
It includes expenditure, loan contents, savings amount, timing of each event (including expected time) such as marriage and childbirth, and the like.

The Web page processing unit 11 stores the user's personal information received from the PC 20a in the user information DB 14, and sends an application effective command such as a script command received together with the user's personal information to the financial execution unit 12.

The financial execution unit 12 interprets an application effective command such as a script command and executes a necessary application. Hereinafter, a case where the cash flow processing unit 12a and the life design processing unit 12b are executed will be described.

First, in the life design processing section 12b, based on the personal information stored in the user information DB 14, various information such as child enrollment and graduation, home purchase, retirement, and the like regarding the future of the user and his / her family are provided. Life events are created in the form of a list. Thereby, the future life design of the user can be clarified. Further, in accordance with the life design sheet, detailed advice on insurance is created by text information regarding life events such as education, housing and retirement. The life design sheet and character information created in this way are stored in the result DB 16
Is stored.

On the other hand, in the cash flow processing unit 12a, the analysis is performed based on the personal information stored in the user information DB 14 and the advice data stored in the advice DB 15. Hereinafter, an example of specific analysis contents will be described. First, the user's income is divided into the following two processes. That is, annual income in the normal case and temporary income such as receivables to maturity, inheritance inheritance, and retirement benefits.

The expenditure is also divided into the following two processes. This includes living expenses, such as food expenses, clothing expenses, and energy expenses, which are always necessary for living, as well as temporary expenditures such as education, the purchase of houses, leisure such as overseas travel, and the purchase of cars.
Of these, temporary spending is a very important item in preparing a life plan because it is used for important events. Here, the temporary expenditure is set as a “goal (goal)”, and whether or not this goal can be achieved is analyzed. In addition, if a loan is raised in order to process these temporary expenditures, the repayment of principal and interest is also regarded as this temporary expenditure. In addition, the cost of living in retirement is included in the temporary expenditure group because it is a cost of living but is an important expenditure in life required after the loss of income.

Next, the above two types of expenditure are processed so as to be covered as follows. First, living expenses are covered by the portion obtained by subtracting savings from annual income, and target (goal) expenditures are treated so that annual savings can be made to cover up financial assets by saving continuously. Here, the temporary income is also processed to meet the target (goal) expenditure.

Next, the cash flow analysis will be described on the premise of the processing relating to the income and expenditure. The cash flow analysis uses the following three items.

First, the amount to be saved is subtracted from the user's annual income at the set saving rate. The annual income minus savings is processed to cover annual living expenses. The item that compares this amount with the annual living expenses is the “cash flow (savings rate, daily living expenses)”.

On the other hand, the amount obtained by subtracting the annual payment of the savings-type insurance and the individual annuity from the amount of savings is increased as a financial asset every year by placing it in a bank deposit or purchasing an investment trust. . The maturity of savings-type insurance is treated as one-time income, and the receipt of individual pensions is treated as regular income after retirement. Further, the financial asset itself is increased based on the input expected rate of return. The item indicating this is “financial asset balance transition”.

The item indicating the temporary expenditure and temporary income used to achieve the goal is "cash flow (goal analysis)".

Hereinafter, these three items will be described. First, in the “cash flow (goal analysis)”, the expenditure of each goal and temporary income are shown according to the time of occurrence. At this time, the goal expenditure is treated as being covered by the temporary income, if any, which is close in time. Therefore, this item is created so that it can be understood which goal expenditure is covered by which temporary income. In this processing, if all of the goal expenditures cannot be covered by temporary income, unachieved goal goals still remain.

Next, in order to achieve the remaining goal goals (to cover the goal expenditures), a process is performed to withdraw financial assets. Financial assets increase each year as a result of continuous savings, but if there is an expenditure for achieving a goal in a certain year and this is covered by a financial asset withdrawal, we will treat the decrease in that year. The item “Transition of financial assets” is created so that such an increase or decrease in financial assets each year is displayed in the future.

If the financial asset becomes negative while repeating the process of covering the expenditure for achieving each goal,
Use the funds you have set aside in preparation for the emergency.

Further, in the case where the value becomes negative even if the preparedness is used, a process of not achieving the goal is finally performed. By determining when the financial assets become negative, a cash flow chart is created that clearly shows which of the goals set cannot be achieved.

In other words, according to the cash flow chart, various goals planned by the user in the future, such as an event to enter a private school for a child, an event to purchase a house 5 years later, and a generous life after retirement For an event that achieves the same level of life as the current life, it is possible to instantly judge whether or not the goal of each event can be achieved from the current financial assets, future annual income, and savings. If advice that cannot be achieved is created in the input personal information, by notifying (sending) the result to the user,
Among the user information, it is possible to make changes such as increasing the savings every year, deleting the goal itself, and reducing the amount of the goal.

The item of “cash flow (savings rate, daily living expenses)” is a result of comparing the living expenses expended regularly every year with the income excluding savings, which is allocated to the expenses, separately from the above-mentioned goals. Created as If the annual balance is negative, advice will be created as to whether the savings are too high relative to the income, the cost of living too high, or if there is a problem in another part. This allows
The user will be able to consider where the problem is.

An example of the advice data stored in the advice DB 15 used in the cash flow processing unit 12a will be described below. That is, a financial advice is created according to the following advice data and the processing result of the personal information recorded in the user information DB 14. The advice data stored in the advice DB 15 can be appropriately changed by, for example, a service provider according to the present invention.

[Cash Flow (Saving Rate, Daily Living Expenses)]

Processing result: <Achieved all, no CF (living cost) deficit> (Here, the judgment condition for achieving the goal is “goal expenditure ≦ financial assets + preparation for emergency”, and the judgment condition for no deficit is “ Living expenses ≤ income-savings. In the following, judge in the same way.) Creation advice: ** can achieve all the goals (goals), and has enough room in the annual living expenses, and has enough room You can live your future according to your current plan. However, the goal may be set too low or the cost of living may be underestimated, so it may need to be verified again.

Processing result <All achieved, CF (living expenses) deficit 1-2 times> Creation advice: ** can achieve all the goals (goals), but there is a slight deficit in the living expenses every year. It's not a serious condition, but let's review the basic living expenses, insurance premiums, and other expenses again. With a little improvement, you will have enough time to live your future according to your current plan. But,
The goal may be set too low, or the cost of living may be underestimated.
Again, it may need to be verified.

Processing result <All achieved, CF (living expenses) deficit 3 times or more> Creation advice: ** can achieve all the goals (goals), but the deficit of living expenses is increasing every year. This indicates that although the savings rate is set high, the goal can be achieved, but the cost of living is wrinkling. If you do not do so, your daily life will be hindered, so you need to lower your savings rate and balance your living expenses with your income. However, lowering your savings rate will have a negative impact on your goals. Why don't you consider reducing the planned time to achieve the goal and the planned amount so that the goal can be achieved even if the savings rate is lowered. Or, review the basic living expenses, insurance premiums, and other expenses again and see if it is possible to reduce them.

Processing result <Goal that cannot be achieved only once,
CF (living expenses) no deficit> Creation advice: ** can almost achieve the goal (goal), and there is room for annual living expenses. You have enough time to live your future according to your current plan, but to achieve all your goals,
How about raising the savings rate a little more? On the other hand, it is possible that the goal amount is set too low or that the cost of living is underestimated more than necessary, so it may need to be verified again.

Processing result <Goal that cannot be achieved only once,
CF (living expenses) deficit 1-2 times> Creation advice: ** can almost achieve the goal (goal), but there is a slight deficit in the living expenses every year. It's not a serious condition, but let's review the basic living expenses, insurance premiums, and other expenses again. With a little improvement, you will have enough time to live your future according to your current plan. But,
The goal may be set too low, or the cost of living may be underestimated.
Again, it may need to be verified.

Processing result <Goal that cannot be achieved only once,
CF (living expenses) deficit 3 times or more> Creation advice: ** can almost achieve the goal (goal), but the deficit of living expenses is increasing every year. This indicates that although the goal was almost attainable due to the high savings rate, the cost of living is becoming wrinkled. If you do not do so, your daily life will be hindered, so you need to lower your savings rate and balance your living expenses with your income. However, lowering your savings rate will have a negative impact on your goals. Why don't you consider reducing the planned time to achieve the goal and the planned amount so that the goal can be achieved even if the savings rate is lowered. Or, review the basic living expenses, insurance premiums, and other expenses again and see if it is possible to reduce them.

Processing result <Goal that cannot be achieved 2 or more times,
CF (living expenses) no deficit> Creation advice: ** has many goals (goals) that cannot be achieved, but on the other hand, living expenses can be afforded every year, so by increasing the savings rate, You can increase the goals you can achieve. If you still have difficulties in achieving your goal, why not review your basic living expenses, insurance premiums, and other expenses again and try to lower your living expenses and raise your savings rate even more? If it is difficult to reduce living expenses any further, we will consider delaying the scheduled time to achieve the goal or reducing the planned amount.

Processing result <Goal that cannot be achieved two or more times,
CF (living expenses) deficit 1-2 times> Creation advice: ** has many unachievable goals (goals), and there is a slight deficit in living expenses every year. However, although there are years when the living expenses are in the red, it seems that it is still at a stage where it is possible to reconsider, so we will review the basic living expenses, insurance premiums and other expenses again, reduce the living expenses and increase the savings rate How about trying? By increasing the savings rate, you can approach the goal. If it is difficult to reduce living expenses any further, we will consider delaying the scheduled time to achieve the goal or reducing the planned amount.

Processing result <Goal that cannot be achieved 2 or more times,
CF (living expenses) deficit 3 times or more> Creation advice: ** has many goals (goals) that cannot be achieved, and also has a large annual deficit in living expenses, making it extremely difficult to achieve the goals as it is I will. First, once again, basic living expenses and insurance premiums,
Review other expenses and make efforts to reduce living expenses, aiming for a sound cash flow of living expenses every year. Achieving the goals requires further efforts to increase savings, but this requires considerable efforts to reduce living expenses. After all, it will be necessary to first consider the postponement of the planned time to achieve the goal or the reduction of the planned amount.

Processing result <Goal that cannot be achieved 2 or more times and CF (living cost) deficit 1-2 times, or CF (living cost)
3 or more deficits, spouse has spouse and spouse has no income> Creation advice: Also, if it is not possible to obtain a sufficient effect even if you consider lowering your living expenses, if your circumstances permit, your spouse Why not consider increasing the income of the household by starting part-time work or working at home?

"Cash Flow (Goal Analysis)" Related

Processing result <If there is a goal that cannot be achieved> Creation advice: **, based on your future life plan, consider annual income, expenditure, and important expenditure (goal (goal)) As a result, unfortunately, the current plan cannot achieve the next goal. Scheduled Goal Goal Required Amount ***************************************************** ************

Processing result <All goals achieved> ** has a wonderful financial plan. There is no problem to achieve each goal (goal) from the viewpoint of cash flow from now to the future. But are you underestimating the value of the goal itself? We recommend that you check again. Also, are saving rates set by ** and annual living expenses set to achieve the goal at levels that can be achieved in light of reality? Also,
Are the income levels and growth rates realistic? The savings rate, living expenses, and income set by ** will be greatly related to the analysis of goal achievement. Please look at the following “Cash Flow (Saving Rate / Daily Living Cost Analysis)” to verify.

Processing result <Goal that cannot be achieved only once> ** has achieved almost all goals (goals), but unfortunately only **** cannot be achieved. Since all goals will be achieved in a little while, consider reconsidering the timing and amount of the goals again, reviewing living expenses and increasing the amount of savings, and increasing the financial assets used for spending for the goals. Why not try it? Please look at the following “Cash Flow (Saving Rate / Daily Living Cost Analysis)” to verify.

Processing result <Goal that cannot be achieved twice or more> ** Unfortunately, many goals (goals) that cannot be achieved are seen. This is due to the lack of funding needed to achieve the goal, compared to the financial assets you currently have and the savings you save each year. Attempting to achieve the goal as it is will likely have a significant impact on household finances in the future. Once again, consider revising the timing and amount of goals, reviewing living expenses and increasing savings, and increasing the financial assets used for spending for goals. Please look at the following “Cash Flow (Saving Rate / Daily Living Cost Analysis)” to verify.

Processing result <The original interest payment of the mortgage loan is 25% or more of the annual income> ** Mr. ** has a greater burden of paying the original interest rate of the mortgage loan than the annual income, and he is not deteriorating the cash flow. Do you? Consider early repayment, refinancing depending on interest rate trends, extension of the repayment period, etc., and consider reducing the annual interest burden.

Processing result <employee (before retirement), estimated retirement allowance is more than twice as much as the average> Is Mr. ** overestimating the estimated retirement amount? In retirement, it is fundamental to make a living by reversing pension income, retirement payments, savings and savings, so if you can not receive the expected amount of retirement allowance, life in retirement may be unstable. ,be careful.

The above is an example of the advice data recorded in the advice DB.

The cash flow processing unit 12a stores the financial advice created as described above in the result DB 16.

When the creation of the financial advice is completed, the financial execution unit 12 sends a signal to the Web page processing unit 11 to end the advice.

The Web page processing section 11 stores the result DB 16
And financial advice stored in
Based on the Web page file stored in the bDB 13, financial advice is transmitted to the user's PC 20a as a Web page.

Here, the Web page processing section 11 can also transmit the financial advice stored in the result DB 16 by e-mail.

The image data processing unit 19 can convert the financial advice stored in the result DB 16 into image data, and transmit the image data from the communication unit 17 to the user's FAX 41a, 41b. In this case, the user terminal may be used when the display function of the mobile phone 20c or the like is limited.

The output unit 18 outputs the result DB 16
The financial advice stored in the
D and may be mailed to the user.

The user's PC 20a receives the Web page or the e-mail transmitted from the Web page processing unit 11, and displays financial advice. The user can easily set a financial plan by examining the displayed financial advice.

The personal information once registered in the user information DB 14 can be changed for each item such as annual income if necessary, and the content of the financial advice changes according to the change.

FIG. 3 is a diagram showing another example of the financial advice system. 3 differs from FIG. 1 in that, among the functions of the server 10 shown in FIG. 1, the function of the financial execution unit 12 is performed by another PC.

That is, in FIG. 3, the server 10 shown in FIG. 1 includes a cash flow processing server 60 having a cash flow processing unit 12a and a life design processing server 70 having a life design processing unit 12b.
And a Web server 50 having a Web page processing unit 11
And are distributed to. That is, the cash flow processing server 60, the life design processing server 70, and the W
The eb server 50 corresponds to the financial advice device of the present invention.

As shown in FIG. 3, when the servers are distributed for each function, the processing performance is improved and the response is quickened, so that the service level to the user is improved.

The financial advice apparatus and the financial advice system according to the present invention have been described above. However, the financial advice apparatus may be provided with a voice recognition unit to communicate information by voice input / output.

[0075]

As described above, according to the financial advice apparatus and the financial advice system of the present invention, an information input screen is transmitted to a terminal connected to a computer network such as the Internet, and the information input screen is transmitted from the terminal device. Since the financial advice is created based on the personal information input to each item and the advice data of the advice prepared in advance, the user himself / herself can easily input the personal information, and as a result, Plans, financial advice, etc. can now be effectively presented to the user.

[Brief description of the drawings]

FIG. 1 is a diagram showing another example of the financial advice system of the present invention.

FIG. 2 is a diagram showing another example of the financial advice device of the present invention.

FIG. 3 is a diagram showing an example of a financial advice system of the present invention.

[Explanation of symbols]

 10 Server 11 Web page processing unit 12 Financial execution unit 12a Cash flow processing unit 12b Life design processing unit 13 WebDb 14 User information DB 15 Advice DB 16 Result DB 17 Communication unit 18 Output unit 19 Image data processing unit 20a, 20b, 20c Terminal device 30 Computer network 40 Communication line network 41a, 41b FAX 50 Web server 60 Cash flow processing server 70 Life design processing server

Claims (10)

[Claims] 1. A financial advice device for creating financial advice in response to input of personal information, wherein the financial advice device is connected to a computer network such as the Internet and transmits an information input screen to a terminal device connected to the computer network. A network processing unit that receives personal information input to each item of the information input screen from the terminal device; an advice recording unit that stores predetermined financial advice as advice data; and the network processing unit receives the personal information. Financial processing means for creating financial advice including character information based on each item of personal information and the advice data recorded in the advice recording means; Financial advice apparatus characterized by comprising: a transmitting means for transmitting the financial advice obtained in stage a. 2. The financial advice device according to claim 1, wherein said network processing means transmits said information input screen to said terminal device by a Web page. 3. The financial advice according to claim 1, wherein the transmission unit is connected to the computer network, and transmits the financial advice obtained by the financial processing unit to the terminal device. apparatus. 4. The financial advice apparatus according to claim 3, wherein said transmitting means transmits said financial advice obtained by said financial processing means by a Web page to said terminal device. 5. The financial advice device according to claim 3, wherein the transmitting unit transmits the financial advice obtained by the financial processing unit to the terminal device by electronic mail. 6. The financial advice apparatus according to claim 1, wherein said transmitting means is connected to a communication network, and transmits said financial advice obtained by said financial processing means to a facsimile. 7. The financial processing means, as financial advice including character information, based on each item of the personal information received by the network processing means and the advice data recorded in the advice recording means. Based on life design processing means for creating a life design sheet for the user, each item of the personal information received by the network processing means, and the advice data recorded in the advice recording means, 7. The financial advice device according to claim 1, further comprising: a cash flow processing unit that creates a user cash flow chart as financial advice including information. 8. A terminal device for inputting personal information of a user, a financial advice device for creating financial advice from the personal information, and a computer network such as the Internet for connecting the terminal device and the financial advice device. The financial advice system according to claim 1, wherein the financial advice device is the financial advice system.
A financial advice system according to any one of claims 1 to 7, wherein: 9. A terminal device for inputting personal information of a user, a financial advice device for creating financial advice from the personal information, and a computer network such as the Internet for connecting the terminal device and the financial advice device. The financial advice system according to claim 7, wherein the financial advice device is the financial advice system.
The financial advice apparatus according to claim 1, wherein the network processing unit and the transmission unit are provided.
b server, a life design server including the advice recording unit and the life design processing unit, and a cash flow server including the advice recording unit and the cash flow processing unit. A unique financial advice system. 10. The Web server constituting the financial advice device, and the life design device
A server and the cash flow server are each independently connected to the computer network;
The financial advice system according to claim 9, wherein: