JP6718760B2 - Replacement purchase promotion device, program and method - Google Patents

Description

The present invention relates to a technology for supporting replacement of a target object owned by a user, and particularly to a replacement replacement savings promotion apparatus effective for preparing funds for replacement of the target object, and a program and method used therefor.

Items such as electric appliances, furniture, automobiles, and houses are generally called durable goods, and they are used for a long period of time, but they are expensive, and there are cases where sudden failures or damages occur. Therefore, the timing of replacement and preparation of purchase funds for that are important issues.
In this regard, by predicting the durable years (lifespan) of electrical appliances such as air conditioners, TV receivers, and refrigerators based on the usage time and frequency of usage, the user is notified of that before the durable years have passed. Techniques for doing so have been proposed.
An example of this type of technology is the "power control system" proposed in Patent Document 1.

JP, 2016-21865, A

However, in the technology disclosed in Patent Document 1, the life expectancy is limited to electrical appliances among durable consumer goods, and it is possible to replace an article other than electrical appliances such as furniture, automobiles, and houses. I couldn't.
In addition, in the technology of Patent Document 1 and the like, the "life" of the electric appliance is simply predicted, and there is no consideration for the timing of replacement and preparation of funds for the replacement. That is, the technique of Patent Document 1 predicts the “life” of an electric appliance and notifies that when the “end of life” is reached. For this reason, the user who is suddenly notified of the "end of life" is immediately rushed to the selection for replacement and preparation of purchase funds. In addition, in the case of high-priced electric appliances, the funds for purchase cannot be prepared, and there is no choice but to deal with loans.

Many durable consumer goods, including electric appliances, are deeply related to daily life.
It is necessary to deal with "lifetime" without waiting. For example, if the "refrigerator" is out of order,
You have to buy a new one within the same day. Therefore, merely being notified of the "end of life" cannot actually provide sufficient information for preparations for replacement, etc.
For this reason, it was necessary to monitor and manage the replacement period of durable consumer goods over a long-term span, and to provide useful information useful for the replacement period and the preparation of funds for it, etc. No valid proposal has been made.

The present invention has been proposed in order to solve the problems of the conventional techniques as described above, and by notifying the replacement time and replacement price of the target object owned by the user at an appropriate timing, the target object It is an object of the present invention to provide a replacement replacement savings promotion apparatus and a program and method used therefor, which are capable of promoting savings of funds for replacement of goods and are particularly suitable for replacement and preparation of expensive durable consumer goods.

In order to achieve the above object, a replacement replacement savings promotion device of the present invention is an information processing device for promoting replacement replacement savings of one or more objects by notifying the replacement time and replacement price. A storage unit that stores predetermined target object information regarding the target object, predetermined transmission information transmitted from a sensor provided in the target object, and the target object information based on the target object information. An asset value calculating means for calculating a current asset value, the transmission information, the object information, and an expense timing predicting means for estimating an expense time by replacement of the object based on the asset value, And a purchase replacement savings promotion information transmitting unit for generating predetermined purchase replacement savings promotion information indicating an asset value and a spending period and transmitting the purchase replacement saving promotion information to a predetermined user device side, and the spending period prediction unit is acquired by the sensor. based on the actual usage or error information of the object, as well as predict or adjust the service life of the object, based on the service life of the object, it is constituted that predict the spending time.

Further, the present invention can be configured as a replacement replacement savings promotion program executed by the replacement replacement savings promotion device according to the present invention as described above.
Further, the present invention can also be configured as a replacement replacement savings promotion method that can be implemented by the replacement replacement savings promotion device and program according to the present invention as described above.

According to the present invention, it is possible to notify, at an appropriate timing, the replacement time and replacement price of an object owned by the user, such as an electric appliance, furniture, an automobile, a house, etc., so that the object can be replaced. It is possible to encourage saving of funds.
Therefore, it is possible to provide a service for promoting the saving of replacement funds, which is suitable for replacement and preparation of particularly expensive durable goods with a large replacement price.

It is a block diagram which shows the structure of the system provided with the replacement replacement savings promotion apparatus which concerns on one Embodiment of this invention. It is a flow chart which shows the procedure of generation and transmission of the replacement replacement savings promotion information in the replacement replacement savings promotion apparatus concerning one embodiment of the present invention. It is explanatory drawing which shows an example of the display screen of the replacement purchase savings promotion information which is produced|generated in the replacement purchase savings promotion apparatus which concerns on one Embodiment of this invention, and is output and displayed on the user terminal side. It is explanatory drawing which showed typically the process at the time of the purchase price of the newly installed target object being automatically determined by the user side in the replacement replacement savings promotion apparatus which concerns on one Embodiment of this invention. It is explanatory drawing which shows an example of the display screen of the replacement purchase savings promotion information which is produced|generated in the replacement purchase savings promotion apparatus which concerns on one Embodiment of this invention, and is output and displayed on a user terminal side, (a) is the same as that of FIG. It is a display screen, and (b) is an alert notification screen displayed by transitioning from (a). It is explanatory drawing which shows an example of the display screen of the replacement purchase savings promotion information which is produced|generated in the replacement purchase savings promotion apparatus which concerns on one Embodiment of this invention, and is output and displayed on a user terminal side, (a) is the same as that of FIG. It is a display screen, (b) is a graph display screen which shows the change of the asset value and endurance of the object displayed by transitioning from (a). It is explanatory drawing which shows an example of the display screen of replacement purchase savings promotion information which is produced|generated in the replacement purchase savings promotion apparatus which concerns on one Embodiment of this invention, and is output and displayed on the user terminal side, (a) is FIG.6(b). Is a display screen similar to that, (b) is a detailed display screen of asset value displayed after transition from (a), and (c) also corresponds to the target amount displayed after transition from (a). It is a display screen of the product to be replaced. It is explanatory drawing which shows an example of the display screen of the replacement purchase savings promotion information which is produced|generated in the replacement purchase savings promotion apparatus which concerns on one Embodiment of this invention, and is output and displayed on the user terminal side, (a) is FIG.7(a). 7B is a detailed display screen of the recommended replacement period displayed by transitioning from FIG. 7B. Similarly, FIG. 7B also shows a transition from FIG. 3 is a graph display screen in which the fluctuations of 1 are superimposed.

Hereinafter, an embodiment of a replacement replacement savings promotion apparatus according to the present invention will be described with reference to the drawings.
Here, the following replacement saving promotion device of the present invention is realized by the processes, means, and functions executed by the computer in accordance with the instructions of the program (software). The program can send a command to each component of the computer to cause it to perform a predetermined process or function according to the present invention. That is, each process, means, and function in the present invention are realized by a specific means in which a program and a computer cooperate.

All or part of the program is provided by, for example, a magnetic disk, an optical disk, a semiconductor memory, or any other computer-readable recording medium, and the program read from the recording medium is installed in the computer and executed. It The program can also be directly loaded into a computer and executed through a communication line without using a recording medium. In addition, the replacement purchase promotion apparatus according to the present invention is a single information processing apparatus (for example, 1
It may be configured with a single personal computer or the like), or may be configured with a plurality of information processing devices (for example, a plurality of server computer groups or the like).

[System configuration]
FIG. 1 shows a system configuration including a replacement purchase promotion apparatus according to an embodiment of the present invention.
The system according to the embodiment of the present invention shown in the figure is configured as a replacement purchase promotion system 1 including a replacement purchase promotion server 10, an object 20, a user terminal 30, and a service server 40 of another company.
Replacement purchase promotion server 10, object 2 constituting these replacement purchase promotion system 1
0 (sensor 21, transmitter 22, home gateway 23), the user terminal 30, and the service server 40 of another company are connected to each other via a predetermined network such as the Internet so that data communication is possible.
Then, the replacement purchase saving promotion system 1 notifies the replacement replacement time and replacement price of one or more target objects 20 owned by the user of the user terminal 30 to replace the target object 20. Savings will be promoted.

[Renewal savings promotion server 10]
The replacement replacement savings promotion server 10 is an information processing device for promoting replacement replacement savings of one or more target objects 20 by notifying replacement time and replacement price, and replacement replacement according to the present invention. It constitutes a savings promotion device.
Specifically, the replacement replacement savings promotion server 10 can be configured by, for example, one or more server computers, a server system including one or more virtual servers constructed on a cloud computing service, and the like.
This replacement purchase promotion server 10 has an OS (Operating System) (not shown).
tem), a DBMS (DataBase Management System), etc., and is operated as a server computer.

The replacement purchase savings promotion server 10 is provided with a replacement purchase savings promotion API 11 implemented as software that runs on middleware such as a Web server program.
The replacement replacement savings promotion API 11 sends an API (Application Program) to one or more user terminals 30 via a network such as the Internet.
ng Interface) and publishes and provides available applications.
As a result, in each user terminal 30, a dedicated application that is operated to provide services such as advice on savings and asset formation to customers (hereinafter referred to as “users”) of a financial institution such as a company that operates the system. Via a program or web browser,
The replacement replacement savings promotion API 11 can be called, and the functions of the replacement replacement savings promotion device according to the present invention can be executed. It should be noted that here, although the explanation has been given on the configuration of the API,
The base system configuration may be used, or the user terminal side may use only a browser and may transmit a screen on which information processing of functions related to the present invention is executed to the browser via a Web server.

Further, the replacement purchase savings promotion server 10 is provided with a replacement purchase savings promotion database (DB) 12 implemented as a database or the like.
The replacement replacement savings promotion DB 12 is a storage unit according to the present invention that acquires and stores predetermined information necessary for operating the replacement replacement savings promotion device according to the present invention.
Specifically, the replacement purchase savings promotion DB 12 stores predetermined information necessary for implementing and operating the replacement purchase savings promotion API 11 described above, and the information necessary at the time of execution of the replacement replacement savings promotion API 11 is read out. , Stored and updated.

Then, the replacement purchase promotion DB 12 stores predetermined target object information regarding the target object 20, for example, various information used for calculating the asset value of the target object 20 and predicting the expense timing.
Specifically, as the object information according to the present invention, for example, the purchase date of the object 20, the purchase price, the durable period, the asset value, the new product information, the savings/asset management product information, and the asset value are assessed/calculated. Asset value assessment information to do this, and a graph showing the relationship between asset value and endurance described below is generated.
Information to be displayed, information for generating and displaying a graph in which the savings funds are superposed and the like are stored.
This object information is stored and managed for each one or two or more objects 20 on a user-by-user basis, necessary information is read out at any time, and updated to the latest information at any time.

In addition, the replacement purchase promotion DB 12 includes a service server 40 of another company, which will be described later, and other devices,
When a WEB site, blog, or the like obtains and holds object information and information related thereto, it becomes possible to obtain such information from the service server 40 of another company and store/store it as necessary information. There is.
The information accumulated in the replacement purchase promotion DB 12 can be acquired/referenced by another program (for example, the application of the user terminal 30 or the service server 40 of another company) via the replacement purchase promotion API 11.

Then, a replacement replacement savings promotion AP provided in the replacement replacement savings promotion server 10 as described above.
Specifically, I11 is, as shown in FIG. 1, asset value calculation means 13 and expense timing prediction means 1
4. It is configured to function as the purchase price automatic judging means 15 and the replacement purchase saving promotion information transmitting means 16.
The asset value calculating means 13 is a corresponding target based on the predetermined transmission information transmitted from the sensor 21 provided in the target object 20 owned by the user and the target object information accumulated in the replacement purchase promotion DB 12 described above. This is a means for calculating the current asset value of the thing 20.
Specifically, the asset value calculation means 13 can calculate the asset value of the target object 20 based on the current selling price of the target object 20.

Here, the selling price of the target object 20 at the present time includes, for example, an auction price, a trade-in price, and a purchase price of the target object 20 (see FIG. 7B). As the information on the sale price at this point in time, use the information stored in the replacement purchase promotion DB 12 or the price information presented by the auction site, trade-in site, purchase site or the like accessible via the Internet or the like. You can
The asset value of the target object 20, that is, the selling price at the present time, the price of the target object 20 does not fluctuate so much, the price value of the target object item 20 drops significantly over time, and the price value increases. , It depends on the popularity.
Therefore, in the replacement purchase promotion system 1 according to the present embodiment, as the information for calculating the asset value of the object 20, the information stored in the replacement purchase promotion DB 12, the Internet information such as the WEB site, and the like, It is possible to flexibly utilize multiple pieces of information to enable appropriate and accurate calculation of asset value.

The expense timing prediction means 14 is a corresponding target object based on the transmission information transmitted from the target object 20 described above, the target object information in the replacement replacement promotion DB 12 and the asset value calculated by the asset value calculating means 13. It is a means for predicting the expense period for replacement of 20 items.
Specifically, the expense timing predicting means 14 determines the expense period for replacement of the target object 20.
It is possible to make a prediction based on the durability of the target object 20.
Here, as the endurance of the object 20, for example, in the case of electric appliances and automobiles, the average endurance is announced by the manufacturer. Therefore, by storing such average lifespan information for each object 20 in the replacement replacement savings promotion DB 12, it is possible to predict the lifespan of the corresponding object 20 and the replacement replacement spending period based thereon. ..

In addition, the durability of the object 20 may vary depending on the usage status such as the number of times of use, the frequency of use, and the mode of usage. The durability according to such usage status is also information from the manufacturer, for example. Has been published. In addition, the usage status of the target object 20 will be described later.
The sensor 21 provided on the target object 20 can detect and determine.
Therefore, based on such maker information and detection information of the sensor 21, it is possible to predict a more accurate endurance period according to the actual usage situation and the expense period for replacement by replacement for each target object 20. Becomes

Furthermore, for example, on the Internet, there are WEB sites that announce the timing of replacements and breakdowns of electrical appliances, personal blogs, SNS, etc., and such information can also be used to determine the endurance period and the expense period. It is useful as information for
Therefore, in the replacement replacement savings promotion system 1 according to the present embodiment, the information stored in the replacement replacement savings promotion DB 12 and the information for predicting the endurance period of the target object 20 and the expense period for replacement replacement based on it are also used. It is possible to flexibly utilize a plurality of information such as the Internet information of, so that an appropriate and accurate forecast of the expense period can be performed.

The purchase price automatic determination means 15 is means for automatically determining the purchase price of the target object 20 based on predetermined purchase information transmitted from the user terminal 30.
The purchase price automatically determined/input by the purchase price automatic determination means 15 is the object 2 described above.
As a part of the object information regarding 0, the replacement purchase saving promotion DB 12 automatically stores the information.
Specifically, the purchase price automatic determination means 15 is a sensor 2 provided corresponding to the object 20.
The purchase price can be automatically determined (estimated) by matching the date when the data is acquired in 1 with the purchase date of the credit card statement (see FIG. 4).
By thus automatically inputting/determining the purchase information including the purchase price of the object 20 via the sensor 21 or the user terminal 30, the user's manual input is reduced and the convenience can be improved.
In addition, even if the result of the automatic determination is incorrect, the user can manually correct it, and it is possible to ensure versatility and reliability as well as convenience. In addition, when the payment means is cash or the like, and the purchase price cannot be automatically determined, an alert notification can be issued to the user to register the purchase date.

Here, the detailed data of the credit card can be automatically or manually transmitted from the user terminal 30 to the replacement purchase promotion server 10. Further, it is possible to cooperate with, for example, household account book software (application) installed in the user terminal 30, and the detailed data of the credit card input/managed by the household account book software is automatically transmitted to the replacement purchase saving promotion server 10. It is also possible to do so.
In this way, by linking the present system with the household account book software, the asset value of the object 20 calculated by the above-mentioned asset value calculating means 13 can be linked and synchronized as the asset value information of the household account book software. (See FIG. 4).
In addition, by linking this system with household account book software in this manner, for example, the amount of money that the user can save in January can be estimated, so an alert notification or the like for prompting savings for the replacement fund of the object 20 can be given. It is possible to use the data when calculating the output time.

The replacement purchase promotion information transmitting means 16 is the object 20 calculated and determined as described above.
Is a means for generating predetermined replacement purchase promotion information including the asset value and the expense period and transmitting it to the corresponding user terminal 30 side.
Specifically, the replacement purchase savings promotion information transmission unit 16 transmits the predetermined replacement purchase savings promotion information to the user terminal 3 before the predetermined period when the expense period predicted/determined by the expense period prediction unit 14 arrives.
It is designed to be transmitted to 0 (see FIG. 5).

As the replacement purchase promotion information according to the present embodiment, as shown in FIG. 3, for each object 20, for example, information such as a purchase date, a purchase price, an asset value, etc. is estimated when the expense for replacement is predicted. It can be displayed for each (year/month). It should be noted that not only the estimated expense amount for each product is displayed, but also the total estimated expense amount for all target products may be displayed. Further, the user can set which product information is to be displayed on the user terminal 30, and the user can also set whether or not to make the calculation target of the total expected spending amount.
In addition, as the replacement purchase promotion information, as shown in FIG. 5, an alert notification that prompts savings (savings/investment) in preparation for replacement or the like is displayed for the target object 20 whose endurance period is approaching/passing. (See FIG. 5). As the timing of such alert notification, it is possible to notify the timing of replacement, repair, etc., and the cost thereof in consideration of the period during which the user saves or invests and saves.

Here, the number of years of durability of the product or article as the target 20 varies depending on, for example, the frequency of use. In the present embodiment, the sensor 21 described later is used to measure and detect the usage frequency of the target object 20, etc., so that the endurance life of the target object 20 held by each user can be predicted and adjusted. .. The sensor 21 can detect the error notification of the product and the content of the error.
It is possible to predict and adjust the endurance period based on the number of errors and the content.
For example, when the target object 20 is an automobile, the length of the durable years can be adjusted according to the mileage and the state of the brake (wear degree). For example, it can be determined that the replacement of the brake pad will increase the durability year by that amount.
It should be noted that the endurance years and the purchase price can be adjusted by each user by inputting them from the user terminal 30. For example, when the durability year as manufacturer information is set/displayed for a car that is the object 20, if the user drives only about once a month, the durability year can be set/changed to a long time. It is also possible to do so.

In addition, the timing of alert notification of replacement purchase saving promotion information is not only the endurance period, but also the power consumption of new products and the time and fee for disposal of currently used assets, etc. It is possible to automatically calculate the replacement time, indicate the replacement time, and prompt the saving at the time when it is possible to save the funds necessary for purchasing the new product by that time.
For example, if the target object 20 is an electric appliance such as a refrigerator, TV, or air conditioner, the electric charge of the product currently in use and the electric charge of the new product are compared to comprehensively determine the "durability years + cost effect". hand,
It is possible to notify the replacement time.

By generating and displaying such replacement replacement savings promotion information, the user can be presented with a list of the target objects 20 owned by him/herself together with their purchase date/purchase price/asset value, and at the time of replacement. If there is an item that needs to be saved, it is possible to notify the user by an alert notification and prompt the user to save.
For example, you can't buy a 300,000-yen TV even if you're told you should buy it next month, but 30 months ago, "it's about to reach the end of its useful life, so save 10,000 yen each." If it is said, it will be possible to buy (of course, if the person does not comply with it, they will not be able to purchase it, but at least they can be reminded).
The display contents/items and layout of the replacement purchase promotion information, the timing and frequency of alert notification, and the like are not particularly limited. In addition, the display item, the timing of alert notification, and the like can be set by the user.

The components of the replacement purchase saving promotion server 10 as described above can be appropriately provided in the user terminal 30, and for example, the replacement purchase savings promotion API 11 can be mounted on the user terminal 30. Further, it is possible to store a part or all of the information stored in the replacement purchase promotion DB 12 in another device or the storage means of the user terminal 30.
Further, specific functions and operations of the respective units realized by the replacement purchase promotion server 10 according to the present embodiment as described above will be described later with reference to display screen examples output/displayed on the user terminal 30. (See Figures 2-8).

[Target 20]
The target object 20 is an article or product owned by each user, which is a monitoring target of this system, and includes various articles such as real estate, automobiles, paintings, antiques, furniture, home appliances, kitchens, toilets, and the like. Etc. can be targeted.
In the example shown in FIG. 1, a refrigerator 20a, a toilet 20b, a sofa 20c, a house 20d... A car 20n are shown as the objects 20 of this embodiment. However, the present invention is not limited to these, and any article or the like can be set as the target object 20 to be monitored and managed by the present system as long as it requires replacement by purchase and savings provided for it.
Each object 20 (20a to 20n) has a sensor 21 for detecting and transmitting data.
And a transmitter 22 is provided.

Here, as in the present embodiment, a so-called “IoT: Internet of Things” is a technique for automating the management of a target part by providing a sensor on a target article/product or the like.
s: Internet of things is known.
IoT is not only information/communication equipment that is assumed to be connected to the Internet such as PCs and smartphones up to now, but also general “things” that have not been targeted for such Internet connection until now. As for the Internet connection, it enables information communication, automatic recognition, automatic control, etc. by connecting to the Internet. Specifically, by providing a data transmission/reception function to various "things" that exist in the world, The "thing" is detected, monitored, controlled, etc. via the.

The object 20 provided with the sensor 21 and the transmitter 22 according to the present embodiment is such an IoT.
In that sense, the present invention can preferably utilize the IoT technology.
However, the present invention is not limited to the IoT technology, and the sensor 21 as described above is used.
By providing the transmitter 22 and the transmitter 22, as long as the replacement value savings promotion server 10 can monitor and determine the asset value and the expense period of the target object 20, the presence or absence of the IoT technology, the content, etc. are not bound.

Specifically, in the present embodiment, each target object 20 (20a to 20n) is provided with a sensor 21 and a transmitter 22 that correspond one-to-one.
The sensor 21 (21a to 21n) is a detection unit that is provided in assets such as various articles and products owned and managed by the user and that detects information about the target object 20 that is the asset.
The transmitter 22 (22a to 22n) is a transmitter for wirelessly transmitting information/data detected by the sensor 21 to the outside, and the data transmitted from the transmitter 22 is the home gateway 23 or the user terminal 30. Is received and stored in.
Although the sensor 21 and the transmitter 22 are shown as separate configurations (devices) in this embodiment, they may be configured integrally. In addition, the sensor 21
The transmitter 22 transmits data to the home gateway 23 and the user terminal 30 by wireless connection, but it may be configured to transmit data by wire connection.

The home gateway 23 is, for example, a wireless transmission/reception device installed in a user's home or the like, receives data about each target object 20 transmitted from a plurality of sensors 21/transmitters 22, and transmits the data via a network such as the Internet. It is a means that functions as a wireless router that transmits to the replacement replacement savings promotion server 10.
Further, for the object 20 that cannot be received by the home gateway 23, for example, an automobile or a bicycle housed/installed outdoors, the data from the sensor 21/transmitter 22 is transferred to the user terminal 3
0 can be received directly. Also, an outdoor gateway device may be prepared.

Further, for example, when another company has already provided the management service by the IoT as described above, or when the IoT management of a specific asset is limited to that asset,
Asset information can also be collected by linking with those IoT management services. Specifically, as shown in FIG. 1, another company's service server 40 that provides such an IoT service.
Can be connected via a network to the replacement purchase promotion server 10 to transmit necessary information and data.
The service server 40 of another company shown in FIG. 1 is not an essential component of the present invention, but I
It can be selectively used when there is a service server 40 of another company that provides the OT service. Therefore, in implementing the present invention, the configuration of the service server 40 of another company can be omitted.

Here, the type of the sensor 21 may be built in the product to be the object 20 from the beginning, or may be attached afterwards. The built-in sensor can acquire more detailed information than the retrofit sensor.
For example, in the case of a retrofit sensor, ON/OFF of the switch of the target object 20 can be detected and controlled, but information inside the product such as an error code cannot be acquired, but a built-in sensor In the case of, it is possible to acquire and detect the internal information of such a product.

Further, since the sensor 21 attached to the object 20 is different, the information that can be obtained from the sensor 21 is not uniform.
For example, when the object 20 is an electric appliance, ON/OFF of the switch and power consumption can be acquired from the sensor 21. More specifically, the main findings from the built-in sensors of home appliances are:
There are switch ON/OFF, power consumption, motor speed, error code, etc. Thus, for example, it is possible to know whether the operation of the motor is normal or slow by the number of rotations of the motor, and if it is late, it can be regarded as a sign that a failure is occurring. In addition, the error code is an event that can be detected and acquired via a sensor, although the error code is displayed on a simple monitor in the case of electric appliances such as washing machines and microwave ovens. Depending on the content of the error, it becomes possible to detect that the product has failed or predict whether or not the product will fail.

On the other hand, when the target object 20 is an automobile tire, ON/OF of a switch in an electric appliance
F and the power consumption cannot be acquired from the sensor 21 (there is no need). Instead, it is possible to detect the degree of tire loss and the road surface condition.
As this type of sensor technology, for example, "CAIS:C" which was commercialized by Bridgestone Corporation.
The "Ontact Area Information Sensing" makes it possible to grasp the road surface condition and the tire condition (wear, air pressure).

In any case, the sensor 21 monitors the operation and state of the target object 20, and it becomes possible to automate the management of the value as the owned asset, the durable years, and the like. Further, when calculating the durable years, based on the detection result of the sensor 21, it is possible to take into consideration the specific usage status such as the number of times the object 20 is used, the traveled distance, the number of times of opening and closing, the number of errors and the content.
Then, by automating the management of the value of the target object 20 as the current asset and the endurance period, the user who owns and manages the target object 20 saves money required for replacement of each target object 20. It is possible to automate the grasp of the target amount of money and the period (how much should be accumulated by what time).
As described above, in the present embodiment, the known sensor technology and IoT technology can be adopted to monitor and detect the state and the like of the target object 20.

[User terminal 30]
The user terminal 30 is an information processing device that can be used by a user (customer/investor) of a financial institution such as a bank, which provides the system as a service, such as a smartphone or a mobile terminal owned by the user. It consists of a PC, a tablet, etc. Further, in addition to the terminal directly owned by the user, for example, it may be configured by a PC or a dedicated terminal device installed on the service provider side that provides this system as a service such as a financial institution.
A user can operate this user terminal 30 to call a program (repurchase savings promotion API 11) provided by the replacement replacement savings promotion server 10 to execute the functions and services provided by the replacement replacement savings promotion apparatus according to the present invention. Can be used.

As described above, the user of the present system uses the user terminal 30 to access the Web application or the like provided by the replacement purchase savings promotion server 10 via the Internet or the like, and execute the function of the replacement purchase savings promotion device according to the present invention. Is something that can be done.
However, the configuration is not limited to such a configuration of the present embodiment, and, for example, dedicated software may be installed and installed in the user terminal 30 to execute the function of the replacement purchase promotion apparatus according to the present invention. In this case, the user terminal 30 itself purchases another replacement savings promotion server 1
0 will be configured.

[Renewal savings promotion method]
Next, a specific processing operation (repurchase savings promotion method) of the replacement replacement savings promotion system 1 including the replacement replacement savings promotion device according to the present embodiment having the above-described configuration will be described with reference to FIGS.
This will be described with reference to FIG.
FIG. 2 is a flowchart showing a procedure of generating/transmitting replacement purchase saving promotion information in a system including the replacement replacement savings promotion device according to the present embodiment.
The following operations are the replacement replacement savings promotion API 11 (asset value calculation means 13, expenditure timing prediction means 14, purchase price automatic determination means 15, replacement replacement savings promotion information transmission means 16) and replacement by purchase that are read from the user terminal 30 via the network. It is executed and operated by the savings promotion DB 12.

As shown in FIG. 2, in the present system, first, the sensor 21 provided in each target object 20 acquires and detects the target object information of the corresponding target object 20 (step 01).
The data indicating the target object information acquired by the sensor 21 is transmitted from the transmitter 22/home gateway 23 to the replacement replacement savings promotion server 10 via the network (step 02).
When the replacement purchase saving promotion server 10 receives the target object information, the replacement purchase saving promotion DB1
In 2, the object information is stored/updated (step 03).

Specifically, when the target object 20 is first purchased and then installed/housed in the user's home or the like for the first time, information such as the product name, model number, purchase date, and purchase price of the target object 20 is acquired by the sensor 21. To be acquired. The acquired data is sent from the transmitter 22 to the home gateway 23 or the user terminal 3
It is transmitted to the replacement replacement savings promotion server 10 via 0.
At this time, as shown in FIG. 4, the detailed data of the credit card at the time of purchasing the object 20 can be transmitted from the user terminal 30 to the replacement replacement savings promotion server 10, and the purchase price automatic determination means 15 can The purchase price of the target object 20 is automatically determined/input, and can be stored/updated as the target object information of the replacement replacement savings promotion DB.
The object 20 that has been purchased/installed is monitored or monitored by the sensor 21 for the usage status and condition regularly or irregularly, and the data acquired at a predetermined timing (for example, once a month) is transmitted to the transmitter 22. It is transmitted to the replacement purchase saving promotion server 10 via the server and the target object information in the replacement purchase savings promotion DB is updated.

In this state, by the access/request from the user terminal 30, the replacement purchase saving promotion server 10 generates replacement purchase savings promotion information at any time, and is output/displayed on the user terminal 30 (steps 05 to 08).
First, the user can access the replacement replacement savings promotion server 10 from the user terminal 30 and request replacement replacement savings promotion information (step 05).
Specifically, the user who uses the present system operates the user terminal 30 to access the replacement replacement savings promotion server 10 via a network such as the Internet, and logs in to the replacement replacement savings promotion API 11. In this case, the user can log in to the replacement replacement savings promotion API 11 by inputting the user ID or password assigned to him/herself, for example. When the user logs in, the replacement replacement savings promotion API 11 is called, and replacement replacement savings promotion information is generated and output as follows. If the user has set the user ID and password in the user terminal 30 in the settings, the user does not need to input the user ID and password for each login, and Login process can be performed using the password.

When there is an access from the user terminal 30, in the replacement purchase promotion server 10, the asset value calculating means 13 calculates the asset value of each object 20 (step 05).
The asset value calculating means 13 calculates the asset value of the target object 20 based on the current selling price of the target object 20. Specifically, the auction price/trade-in price/
The purchase price is acquired from a site or the like on the Internet, and the current asset value of the target object 20 is calculated/determined based on the price information.

At the same time, the replacement replacement savings promotion server 10 predicts the expense period for replacement of each target object 20 (step 06).
The expense timing predicting means 14 predicts the expense period for replacement of the target object 20 based on the durability of the target object 20. Specifically, based on the durability of the product that is the target object 20 that is announced by the manufacturer, the target object 20 is considered in consideration of the usage status such as the number of times of use, the frequency of use, and the usage mode. Predict and determine the current durability of the object 20.

When the asset value and the expense period for each target object 20 are determined as described above, the replacement replacement savings promotion server 10 generates replacement replacement savings promotion information by the replacement replacement savings promotion information transmission means 16 based on the information. Then, the information is transmitted to the user terminal 30 (step 07). Then, the transmitted replacement purchase saving promotion information is received by the user terminal 30 and displayed visibly through the display means such as a display (step 08).
For example, as shown in FIG. 3, the replacement purchase saving promotion information is a list of each target object 20 together with information such as a purchase date, a purchase price, and an asset value, and a time period when the expense for replacement purchase is predicted (
Displayed by year/month).
With such a display, the user can confirm/understand the target object 20 owned by the user together with the purchase date and the current asset value, and the target object 20 for which replacement in future/spending is required, It can be confirmed in the order of near (far away) when the deadline comes.

Further, as shown in, for example, FIG. 5B, the replacement purchase promotion information displays an alert notification that prompts the user to prepare for replacement or the like with respect to the object 20 whose endurance period is approaching/progressing (see FIG. 5). ). The display shown in FIG. 5B can be changed from the display shown in FIG. 5A by a swipe operation or the like.
Here, from the purchase price and the endurance period, "TV" whose endurance period is within "1 to 3 years"
And, for "beds" within "1-5 years", "let's start saving and investing" is displayed to prompt the preparation of replacement funds.
With such a display, the user can clearly recognize the target object 20 that needs to be replaced, and also can clearly understand the preparation and amount of money for the replacement, so that the target object 20 can be replaced with a sufficient margin. Will be able to study and prepare.

Further, the replacement purchase promotion information is, for example, as shown in FIG.
It is possible to generate and display a graph showing changes in asset value and life of the. Regarding the display shown in FIG. 6B, the screen can be generated/transitioned by selecting an arbitrary object 20 from the display shown in FIG. 6A and performing a swipe operation or the like.
With such a display, the user can visually and intuitively grasp the asset value (decrease) and the durable years (elapsed/arrival) of the corresponding target object 20 by the graph display. In addition, as shown in Fig. 6(b), the asset value and the number of years of life are "width (volatility)".
Therefore, it is possible to present such a "width" in a graph display in an easy-to-understand manner.

Further, in the graph display shown in FIG. 6(b), the target amount of the replacement fund and the time when the spending deadline is reached are displayed with a pointer (circle in FIG. 6(b)), and input such as touching this pointer with a finger is performed. It can be moved vertically and horizontally by operation.
Accordingly, the target amount of the replacement fund of the relevant target object 20 and the spending deadline can be arbitrarily changed according to the input operation of the user, and depending on the usage status of the target object 20 and the financial situation of the user, etc. The displayed contents can be flexibly displayed and changed.

Further, as shown in FIG. 7, for example, the replacement purchase saving promotion information displays detailed information on the asset value of the selected target object 20 (FIG. 7B), or displays the replacement target product corresponding to the target price. (FIG.7(c)) is possible. In the example shown in FIG. 7C, products (products A, B, C, D...) Corresponding to each manufacturer (manufacturers A, B, C, D...) As replacement target products.
・・), price, WEB information, external photograph (image image), etc. are displayed.
With the display as shown in FIG. 7B, the user can compare and refer to the asset value of the target object 20 at each price of auction, trade-in, and purchase.
Further, the display as shown in FIG. 7C allows the user to know the candidate for the replacement target product of the target object 20, and further displays the link information of the WEB site or the like to display more detailed product information or the like. Can be confirmed and examined. Also, by displaying such product information,
It is possible to present product information such as advertisements by the manufacturer or sales company of the corresponding product,
It is possible to develop new businesses and business opportunities.

Further, the replacement purchase saving promotion information is, for example, as shown in FIG.
The details of the recommended replacement period can be displayed in a graph. In this example, the endurance years of the target object 20 are displayed in a normal distribution pattern, and particularly recommended replacement times are indicated by points (stars in the figure). The replacement timing may be changed according to the user's setting. Here, the replacement time of the target product is displayed on the graph, but the vertical axis indicates the total expected expenditure amount, the horizontal axis indicates the replacement time, and the replacement time of each product currently processed by the user terminal 30. , And a graph showing the total expected spending amount at each replacement period may be displayed on the user terminal 30.
With such a display, the user can visually and intuitively grasp the durable years and the recommended replacement price of the target object 20 by the graph display.

Furthermore, as shown in FIG. 8B, the replacement purchase saving promotion information corresponds to the corresponding object 2
It is possible to display a graph by superimposing changes in the savings amount of replacement funds on changes in the asset value and endurance of 0. In this example, the savings plan of the replacement fund is superposed on the graph showing the changes in the asset value/durability of the object 20 shown in FIGS. 6B and 7A in the form of a graph.
With such a display, the user can visually and intuitively grasp the saving value (increase) as well as the asset value (decrease) of the object 20 and the durable life (elapsed time).
Also in this example, as in the case of FIG. 6(b) described above, the pointer (circle in FIG. 8(b)) is moved up, down, left, or right to reach the target amount/replacement time limit of the replacement fund. Can be changed with. As a result, it is possible to generate and display a more flexible replacement plan or savings plan according to the actual situation of the user.

As described above, according to the present embodiment, the replacement purchase of the object 20 owned by the user, such as an electric appliance, furniture, a car, or a house, is performed by the replacement purchase promotion information generated and output by the replacement purchase promotion server 10. The time and replacement price can be notified at an appropriate time.
As a result, it is possible to encourage each user to save money for replacing the target object 20 by replacement, and in particular, it is possible to smoothly replace or prepare a large amount of durable consumer goods having a large replacement price. Becomes That is, in the present embodiment, when the endurance years of the respective objects 20 owned by the user are close to each other, before the endurance years are reached (passage), the funds required for the purchase or repair/replacement of the next product are obtained. It is possible to output/notify an alert notification or the like at the time when the can be accumulated/stored.

Until now, even if there was a service that issues alert notifications for product purchases and repairs/replacements, the period for saving funds for replacements in advance was not considered. Product purchase and repair
Even if they need to be exchanged, they cannot be purchased, repaired or exchanged without the funds (money) to purchase, repair or exchange them.
In the present embodiment, it is possible to prompt the user to save the funds at an appropriate timing in preparation for the future purchase, repair, or replacement of a product. In this regard, for example, there is no savings, and even if an alert notification or the like is received near the end of the endurance period, the user cannot actually respond (purchase). Therefore, it is extremely important to be able to know the replacement time, the required amount of funds, and the like at a predetermined timing before the end of the endurance period.
In addition, in the present embodiment, not only the number of years of durability, but also the power consumption of new products and the time and fee for disposal of the assets currently in use are taken into consideration, and the best replacement (profit) replacement time is automatically calculated. After the calculation, the replacement time is shown, and the savings can be promoted at the timing when the funds necessary for purchasing the new product can be saved by that time.

In addition, according to the present embodiment, for example, by showing in a graph such as a bar chart how long similar products owned by other users have been replaced, it is possible to refer to the replacement time of the user. it can.
Further, it is also possible to view the statistical information such as the error occurrence time and the number of similar products owned by other users. Further, such error information can be displayed by classifying it by manufacturer.
Further, according to the present embodiment, for example, a product maker or a sales company can offer an appropriate product at an appropriate timing because the user can know when to replace or a product to be replaced.
Further, by disclosing the product related to the target object 20 to a retailer who sells the product, it is possible to obtain appropriate information and benefits at an appropriate timing.
Further, by publishing the target amount and the expiry date of the replacement fund to the financial institution (such as a securities company) permitted by the user, it is possible to obtain more effective information on the saving means and the plan.

In addition, since the lifestyle of the user can be known from the state of the target object 20 detected and monitored by the sensor 21, the usage status, etc., for example, the manufacturer or sales company of the product recommends a product suitable for the lifestyle. It is also possible.
For example, a user owns a ski tool or a tennis racket as the target object 20,
When the object 20 is used with high frequency (for example, every weekend), it becomes possible to estimate that "I like sports" and "Ride a car well". As a result, when the current car owned by the user is a sedan, it is possible to recommend a more active and sporty car model, for example, “4WD SUV”.

Besides, by utilizing the system of the present embodiment, the following can be performed.
When the object 20 is replaced by another, and the auction has the highest selling price, the auction can be put up from the application linked to the system.
For the object 20 (for example, paintings, antiques, etc.) purchased for investment purposes, the evaluation price (sale price at the auction) is XX yen (a user-specified amount of money, for example, 100,000 yen).
If you exceed the limit, you can automatically put up an auction from an application linked to this system.
It is possible to give priority to each object 20 according to the asset value and the number of years of durability.
For replacement funds, it is possible to generate and display a simulation that also uses a loan. Further, it is possible to generate and display a simulation for selling one or more objects 20 arbitrarily selected by the user.
For example, if you want to collect the electric appliances before the disposal cost, you can output the alert notification at that timing.

In the present embodiment described above, as an example of the display screen output/displayed on the user terminal 30 side, a case where it is displayed on a display unit having a relatively small screen such as a display of a smartphone or a mobile phone is shown. (Figs. 2-8).
However, it goes without saying that the display screen generated and displayed in the present invention can be displayed on a display device having a relatively large screen, such as a display device of a PC or a tablet terminal.
Further, it is needless to say that the display screens that can be displayed/browsed on the user terminal 30 shown in FIGS. 2 to 8 are examples, and the configuration and contents of the screens can be arbitrarily set/changed.

Although the present invention has been described with reference to the preferred embodiments, it is needless to say that the present invention is not limited to the above-described embodiments and various modifications can be made within the scope of the present invention.
For example, in the above-described embodiment, a refrigerator, a toilet, a sofa, a house, and a car are shown as examples of the “object” according to the present invention, but these are examples of the “object” and are not limited thereto. Not something. That is, the “object” according to the present invention may be any article or product that needs to be replaced in the future, and it is desirable to save purchase funds in preparation for the replacement. It can be an “object”.

INDUSTRIAL APPLICABILITY The present invention can be suitably used for a replacement replacement savings promotion system that supports a business of providing advice and suggestion for saving replacement funds for objects such as durable consumer goods owned by a user.

10 Replacement replacement savings promotion server 11 Replacement replacement savings promotion API
12 Replacement replacement savings promotion DB
13 Asset Value Calculation Means 14 Expense Timing Prediction Means 15 Purchase Price Automatic Judgment Means 16 Replacement Replacement Savings Promotion Information Transmission Means 20 Targets 21 Sensors 22 Transmitters 23 Home Gateways 30 User Terminals

Claims (6)

An information processing apparatus for promoting replacement purchase savings of the target object by notifying one or more target objects of the replacement time and replacement price,
Storage means for storing predetermined object information about the object,
Predetermined transmission information transmitted from a sensor provided in the object, based on the object information, an asset value calculation means for calculating the current asset value of the object,
Expense timing prediction means for predicting the expense timing for replacement of the object based on the transmission information, the object information, and the asset value,
Replacement purchase promotion information transmission means for generating predetermined replacement purchase promotion information indicating the asset value and expense period, and transmitting it to a predetermined user device side,
Equipped with
The expense timing prediction means,
Based on the actual usage status or error information of the object acquired by the sensor, while predicting or adjusting the durability of the object,
Based on the service life of the object, replacement savings promotion apparatus characterized by that to predict the spending time. The replacement purchase promotion information transmitting means,
The replacement replacement savings promotion apparatus according to claim 1, wherein the replacement replacement savings promotion information is transmitted before a predetermined period when the expense period comes. The asset value calculation means,
The replacement purchase promotion apparatus according to claim 1 or 2 , wherein the asset value is calculated based on a current selling price of the object. Based on the predetermined purchase information transmitted from the user terminal,
An automatic purchase price determination means for automatically determining the purchase price of the object is provided,
The purchase price, replacement saving promotion apparatus according to any one of claims 1-3, characterized in that stored in the storage unit as the object information on the object. A computer constituting an information processing device for promoting replacement purchase savings of the object by notifying one or two or more objects of the replacement time and replacement price,
Storage means for storing predetermined object information about the object,
Asset value calculation means for calculating the current asset value of the target object based on predetermined transmission information transmitted from a sensor provided in the target object and the target object information,
Expense timing prediction means for predicting the expense timing for replacement of the object based on the transmission information, the object information, and the asset value.
Generating predetermined replacement replacement savings promotion information indicating the asset value and expense period, and causing it to function as replacement replacement savings promotion information transmitting means for transmitting to a predetermined user device side ,
The expense timing predicting means,
Based on the actual usage status or error information of the target acquired by the sensor, while predicting or adjusting the durability of the target,
Based on the service life of the object, replacement savings promotion program characterized by Ru to predict the spending time. Using one or more objects, by using a computer that constitutes an information processing device for promoting replacement savings for the object by notifying the replacement time and replacement price,
A storage procedure for storing predetermined object information about the object,
Predetermined transmission information transmitted from a sensor provided in the object, based on the object information, asset value calculation procedure for calculating the current asset value of the object,
Based on the transmission information, the object information, and the asset value, the expense timing prediction procedure for predicting the expense timing for replacement of the object,
Generate a predetermined replacement purchase promotion information indicating the asset value and the expense period, and execute a replacement replacement promotion information transmission procedure for transmitting to a predetermined user device side ,
In the expense timing prediction procedure,
Based on the actual usage status or error information of the object acquired by the sensor, while predicting or adjusting the durability of the object,
A method for promoting replacement purchase savings , which comprises predicting the expense period based on the durability of the object .