JP7684075B2 - Operational status presentation device, operational status presentation method, and operational status presentation program - Google Patents

Description

This disclosure relates to an operation status presentation device, an operation status presentation method, and an operation status presentation program.

Conventionally, there are known mechanisms for visually displaying the investment status of individual investors who trade financial products on their own. For example, Non-Patent Document 1 discloses a service that provides a screen to a user (hereinafter referred to as a "specific user") who uses an investment tool, displaying the specific user's own investment status as well as the investment status of other users. In the above service, in order to prevent individuals from being identified, data on the investment status of other users that can be compared is limited to data of randomly selected users.

Monex Securities, "Analyze your investment performance! Release of "My Investment Ability Diagnosis"," January 31, 2019, [Retrieved March 10, 2020], Internet: https://info.monex.co.jp/news/2019/20190131_01.html>

In recent years, defined contribution pension plans, in which individuals contribute and manage their pension assets at their own risk, have become widespread. The above service is also considered to be useful for users (subscribers) who manage such defined contribution pension plans. In other words, the above service makes it possible for users to objectively grasp their own management status. This is thought to stimulate the user's interest in asset management and encourage active asset formation activities. However, in the above service, comparable data is limited to user data that is randomly extracted each time the service is used. In addition, it is not possible to identify the type of user that is randomly extracted. For this reason, the randomly extracted comparable data in the above service is not necessarily useful information for a specific user, and the above service has room for further improvement in terms of stimulating users' interest in asset management.

Therefore, one aspect of the present disclosure aims to provide an investment status presentation device, an investment status presentation method, and an investment status presentation program that can effectively stimulate a user's interest in asset management.

An investment status presentation device according to one aspect of the present disclosure is an investment status presentation device that visually presents the investment status of a first user's defined contribution pension to the first user, and includes an extraction unit that extracts similar users determined to be similar to the first user from among a plurality of second users different from the first user based on the user attributes of each of the first user and the plurality of second users, a generation unit that generates a scatter diagram in which positions corresponding to the first user and positions corresponding to each of the plurality of second users are plotted in an orthogonal coordinate system consisting of two or three axes including at least an axis corresponding to an item related to the investment status of the defined contribution pension, and a presentation unit that presents the scatter diagram generated by the generation unit to the first user, and the generation unit plots the positions corresponding to the similar users in a display mode different from the display mode of the positions corresponding to the second users who are not similar users.

According to the above-mentioned investment status presentation device, a scatter diagram showing the investment status of the first user himself/herself as well as the investment status of multiple second users different from the first user is presented to the first user. This allows the first user to objectively grasp the first user's own investment status. Furthermore, in the scatter diagram, positions corresponding to similar users who are determined to be similar to the first user based on user attributes are plotted in a display mode different from positions corresponding to second users other than the similar user. This makes it possible to present to the first user in an easy-to-understand manner the investment status of similar users who are considered to be of high value as a comparison target to the first user. As a result, it is possible to effectively stimulate the first user's interest in asset management.

According to one aspect of the present disclosure, it is possible to provide an investment status presentation device, an investment status presentation method, and an investment status presentation program that can effectively stimulate a user's interest in asset management.

FIG. 2 is a diagram illustrating an example of a hardware configuration of a computer used in the operation status management device according to the embodiment. 1 is a diagram illustrating an example of a functional configuration of a system including an operation status management device according to an embodiment. 11 is a diagram showing an example of data items of a user attribute, DC information, an operation profile, and an evaluation axis set. FIG. 4 is a flowchart showing an example of an operation of the operation status management device according to the embodiment. FIG. 11 is a diagram illustrating an example of a process for creating scatter diagram data. FIG. 11 is a diagram illustrating an example of a process for generating a scatter diagram. FIG. 13 is a diagram showing an example of a screen including a scatter plot presented to a user. 13 is a flowchart showing an example of an operation of an operation status presentation device according to a modified example. FIG. 13 is a diagram showing an example of a screen generated by an operation status presentation device according to a modified example.

Embodiments of the present disclosure will be described in detail below with reference to the drawings. In the description of the drawings, the same elements are given the same reference numerals and duplicate descriptions will be omitted.

The investment status presentation device 10 according to the embodiment is a device having a function (hereinafter also referred to as the "investment status presentation function") of presenting to a user who is a subscriber of a defined contribution pension plan a screen that visually represents the investment status of the user's defined contribution pension plan together with the investment statuses of multiple users other than the user. In this embodiment, the defined contribution pension plan is a corporate defined contribution pension plan, and the multiple users are employees of the same employer (company). The investment status presentation function operates as a web application optimized for use from a terminal such as a smartphone or tablet, for example. However, the investment status presentation function is not limited to this, and may operate as a dedicated application installed on the terminal.

The operation status presentation function is provided to users who have given prior permission to use the function. For example, a user who has given prior permission to use the function can use the operation status presentation function to refer to his/her own operation status along with that of other users. In return, when another user uses the operation status presentation function, his/her own operation status is displayed on the screen presented to the other user. In other words, each user can use the operation status presentation function by giving permission for other users to refer to his/her own operation status. By making the use of the operation status presentation function a permission system as described above, it is possible to prevent problems with personal information, such as information of a user who has not given permission for disclosure to others being made public to others.

In the following explanation, a user who uses the operation status presentation function (i.e., a user of interest) may be referred to as a "first user," and a user other than the first user may be referred to as a "second user." Each user corresponds to a first user when he or she uses the operation status presentation function, and corresponds to a second user when another user uses the operation status presentation function.

FIG. 1 is a diagram showing an example of the hardware configuration of a computer 100 constituting the operation status presentation device 10. For example, the computer 100 includes a processor 101, a main memory unit 102, an auxiliary memory unit 103, a communication control unit 104, an input device 105, and an output device 106. The processor 101 executes an operating system and an application program. The processor 101 is, for example, a CPU. However, the type of the processor 101 is not particularly limited. The main memory unit 102 is, for example, a ROM, a RAM, etc. The auxiliary memory unit 103 is, for example, a HDD, an SSD, a flash memory, etc., and generally stores a larger amount of data than the main memory unit 102. The communication control unit 104 is, for example, a network card, a wireless communication module, etc. The input device 105 is, for example, a keyboard, a mouse, a touch panel, etc. The output device 106 is, for example, a monitor, a speaker, etc.

Each functional element of the operational status presentation device 10 is realized by an operational status presentation program 110 that is pre-stored in the auxiliary storage unit 103. Specifically, each functional element is realized by having the processor 101 or the main storage unit 102 read the operational status presentation program 110 and execute the operational status presentation program 110. The processor 101 operates the communication control unit 104, the input device 105, or the output device 106 in accordance with the operational status presentation program 110, and reads and writes data in the main storage unit 102 or the auxiliary storage unit 103. Data or databases required for processing are stored in the main storage unit 102 or the auxiliary storage unit 103.

The operational status presentation program 110 may be provided by being recorded in a fixed form on a tangible recording medium such as a CD-ROM, a DVD-ROM, or a semiconductor memory. Alternatively, the operational status presentation program 110 may be provided via a communication network as a data signal superimposed on a carrier wave.

The operational status presentation device 10 may be configured with one computer 100 or multiple computers 100. When multiple computers 100 are used, these computers 100 are connected to each other via a communication network such as the Internet or an intranet, thereby logically configuring a single operational status presentation device 10.

Figure 2 is a diagram showing an example of the functional configuration of an information system 1 including an operation status presentation device 10. In addition to the operation status presentation device 10, the information system 1 includes a personnel management server 20, an operation management institution server 30, and a plurality of user terminals T held by each of a plurality of users. The operation status presentation device 10 can transmit and receive data with each of the personnel management server 20 and the operation management institution server 30 via a communication network. In addition, each user terminal T and the operation status presentation device 10 can transmit and receive data via the communication network. Here, the communication network is not limited to a specific configuration. The communication network can be constructed using any communication network, such as the Internet, an intranet, etc.

The user terminal T is, for example, a mobile terminal such as a smartphone or a tablet. However, the user terminal T may be any computer terminal, for example, a desktop PC or a notebook PC. The user terminal T has a display (e.g., a touch panel display) for displaying a screen provided by the operation status presentation function of the operation status presentation device 10.

The personnel management server 20 is a server device that manages personnel information for all employees of a company (including those who are not members of a defined contribution pension plan). The personnel management server 20 has a personnel master information storage unit DM1 that stores the personnel master information of each employee, and a similar user extraction unit 21.

The operation management institution server 30 is a server device owned by the operation management institution. An operation management institution is, for example, an institution that records and manages the management status of each user's defined contribution pension plan on behalf of a company. The operation management institution server 30 has a DC master information storage unit DM2 that stores DC master information regarding the management status of each user's defined contribution pension plan.

The operational status presentation device 10 has, as its functional components, an input reception unit 11 (reception unit), an extraction unit 12, a generation unit 13, and a presentation unit 14. The operational status presentation device 10 also has, as a group of databases for storing various data sets that can be referenced from each of these functional components, a user attribute storage unit D1, a DC information storage unit D2, an operational profile storage unit D3, and an evaluation axis set storage unit D4. In the example of FIG. 2, these databases are shown as elements included in the operational status presentation device 10, but these databases may be stored in a location that can be referenced from each of the above functional components of the operational status presentation device 10, and may be, for example, an external database that can communicate with the operational status presentation device 10 via a communication network. FIG. 3 shows an example of data items of user attributes, DC information, operational profiles, and evaluation axis sets stored in each of these databases.

The user attribute storage unit D1 is a database that stores user attributes for each user. The user attributes are information that indicates characteristics associated with each user. In this embodiment, the user attributes are part or all of the personnel data (data stored in the personnel master information storage unit DM1) managed by the personnel department of the employer (company) to which the user belongs. In other words, the user attributes include personnel attributes of employees managed by the employer. In the example of FIG. 3, the user attributes include, as data items, employee ID, department code, age, sex, occupation, position, years of service, family composition, DC joining date, DC contribution amount, DC matching contribution amount, and similar employee ID. In other words, the data (user attributes) of one user (one record) stored in the user attribute storage unit D1 includes values corresponding to each of these data items. The employee ID is identification information for identifying (uniquely identifying) the user, and the department code is identification information for identifying the department to which the user belongs. The similar employee ID is the employee ID of a similar user identified by the processing of the extraction unit 12 described later. However, the data items shown here are merely examples, and the user attributes may not include some of these data items, or may include data items other than these data items (e.g., personnel evaluation information, travel history information, attendance information, educational history, marital history, etc.).

The DC information storage unit D2 is a database that stores DC information for each user. DC information is information that indicates the management status of a defined contribution pension plan. In the example of FIG. 3, the DC information includes the following data items: employee ID, asset valuation, cumulative contribution amount, yield, asset trend, held product information, return, profit amount, Sharpe ratio, and management period. In other words, the data (DC information) for one user (one record) stored in the DC information storage unit D2 includes values corresponding to each of these data items. However, the data items shown here are merely examples, and the DC information may not include some of these data items, or may include data items other than these data items.

The investment profile memory unit D3 is a database that stores an investment profile for each user. The investment profile is information indicating the investment policy of the defined contribution pension plan for each user (including evaluation information (investment rank, deviation rate, etc.) calculated based on the investment policy and actual results). In the example of FIG. 3, the investment profile includes employee ID, risk type, investment rank, deviation rate (difference between target and actual results), portfolio, target yield, and target yield range. In other words, the data (investment profile) for one user (one record) stored in the investment profile memory unit D3 includes values corresponding to each of these data items. However, the data items shown here are merely examples, and the investment profile may not include some of these data items, or may include data items other than these data items.

The evaluation axis set storage unit D4 is a database that stores one or more evaluation axis sets. The evaluation axis set is information that represents a set of evaluation axes that constitute a scatter diagram displayed by the management status presentation function. In this embodiment, the scatter diagram displayed by the management status presentation function is a two-dimensional scatter diagram in which positions corresponding to each user are plotted on an orthogonal coordinate system (XY coordinates) consisting of a vertical axis (X) and a horizontal axis (Y). For this reason, as shown in FIG. 3, the evaluation axis set includes an evaluation axis ID, a vertical axis item, and a horizontal axis item. The evaluation axis ID is information for identifying the evaluation axis. Note that the scatter diagram displayed by the management status presentation function is not limited to a two-dimensional scatter diagram. For example, the scatter diagram may be a three-dimensional scatter diagram in which positions corresponding to each user are plotted on an orthogonal coordinate system (XYZ coordinates) consisting of three mutually orthogonal axes (X, Y, Z). In this case, the evaluation axis set may include an evaluation axis ID and items corresponding to each of the three axes. In addition, the evaluation axis set includes at least an evaluation axis corresponding to an item related to the management status of the defined contribution pension plan. In other words, in this embodiment, at least one of the vertical and horizontal axes includes items related to the management status of the defined contribution pension plan (for example, management performance such as "yield" included in the DC information).

The input reception unit 11 receives the contents of an input operation from a user via a user terminal T. The user's input operation is performed, for example, by a touch operation on a touch panel display of the user terminal T. Examples of user's input operations include pre-processing (initial registration) for using the operation status presentation function, setting an operation profile (risk type), and selection of an evaluation axis set to be applied to a screen (scatter diagram) displayed by the operation status presentation function.

The extraction unit 12 extracts similar users for each user who are similar to the user. In this embodiment, the extraction unit 12 extracts similar users for each user by utilizing the functions of the similar user extraction unit 21 of the personnel management server 20.

The generation unit 13 generates a scatter plot in which a position corresponding to the first user and positions corresponding to each of a plurality of second users are plotted in an orthogonal coordinate system corresponding to an arbitrary evaluation axis set stored in the evaluation axis set storage unit D4.

The presentation unit 14 presents the scatter plot generated by the generation unit 13 to the first user. For example, the presentation unit 14 presents the scatter plot to the first user by transmitting drawing data for displaying the scatter plot on the screen of the user terminal T to the user terminal T of the first user.

Next, an example of the operation of the operational status presentation device 10 (including the operational status presentation method according to the embodiment) will be described with reference to the flowchart shown in FIG. 4. Note that the processing procedure shown here is merely an example. That is, in the flowchart shown in FIG. 4, some processing procedures may be omitted, the processing order may be changed, or additional processing may be inserted.

In step S1, pre-processing is performed to use the investment status presentation function. In the pre-processing, the user sets his/her own risk type. The input operation of the user is accepted by the input acceptance unit 11. A portfolio is set based on the set risk type. In addition, as pre-processing when the investment status presentation function is used for the first time, for example, a process of accepting the above-mentioned permission to use from the user is executed.

The risk type (risk tolerance) is a value indicating how much risk is acceptable to obtain a return. For example, the operation status presentation device 10 presents the user with several questions set in advance and accepts answers to each question from the user. Then, the operation status presentation device 10 sets the optimal risk type for the user based on the content of the answers received from the user. The risk type is, for example, a plurality of predefined stage values (for example, a value consisting of 1 to 5 stages, the larger the value, the higher the risk). Alternatively, the operation status presentation device 10 may set the risk type by having the user directly select one stage value from the plurality of stage values. In this case, each risk type may be accompanied by an explanation such as "high risk", "standard risk", or "low risk" so that the user can easily understand. The portfolio is information indicating the investment allocation for each financial product (for example, each asset class such as cash and deposits, domestic stocks, foreign stocks, domestic bonds, foreign bonds, and real estate investment trusts). The risk type and portfolio set by the user are stored in the management profile storage unit D3 as the "risk type" and "portfolio" of the user's management profile. In addition, when the user sets a risk type, the "target yield" and "target yield range" of the user's management profile are automatically set based on the risk type. In other words, each risk type is associated in advance with a target yield and target yield range according to the corresponding risk tolerance. This completes the pre-processing. The risk type and portfolio can be changed by input operations from the user after the pre-processing is completed. In other words, the user can review his or her own management profile as appropriate and change the settings of the risk type and portfolio.

In step S2, various information is acquired. DC information for each user is acquired from the DC master information storage unit DM2 managed by the operation management institution server 30, and stored in the DC information storage unit D2. In addition, user attributes for each user are acquired from the personnel master information storage unit DM1 managed by the personnel management server 20, and stored in the user attribute storage unit D1. Such information acquisition processing may be performed periodically, for example, by batch processing (e.g., daily batch processing) using nighttime hours.

In step S3, the extraction unit 12 extracts similar users for each user (i.e., the user who has given permission to use the operation status presentation function in step S1) (extraction step). For example, the extraction unit 12 transmits a list of employee IDs for each user to the personnel management server 20. Next, the similar user extraction unit 21 of the personnel management server 20 extracts similar users similar to each user included in the list. Then, the similar user extraction unit 21 transmits the employee IDs of the extracted similar users to the operation status presentation device 10 (extraction unit 12). The extraction unit 12 stores the employee IDs of the similar users received for each user in the user attribute storage unit D1 as the "similar employee ID" of the user attribute of the user. Such similar user extraction processing may be performed periodically, for example, by batch processing (e.g., monthly batch processing) using nighttime hours.

Here, the user to be processed is represented as a target user, and an example of the processing of the similar user extraction unit 21 will be described. For example, the similar user extraction unit 21 calculates the similarity between the target user and each non-target user by comparing the user attributes of the target user (for example, the data items of the user attributes shown in FIG. 3 excluding "employee ID" and "similar employee ID"; the same applies below) with the user attributes of each user other than the target user (hereinafter referred to as "non-target user"). Then, the similar user extraction unit 21 may extract the non-target user having the maximum similarity as the similar user. Alternatively, the similar user extraction unit 21 may extract one or more non-target users having a similarity equal to or greater than a preset threshold value as the similar user. Note that the similarity may be calculated by the following method. For example, the similar user extraction unit 21 vectorizes the user attributes of the target user and each non-target user. Then, the cosine similarity of the vectorized user attributes of the target user and the vectorized user attributes of each non-target user is calculated as the similarity.

However, the method of extracting similar users is not limited to the method based on the similarity described above. For example, the similar user extraction unit 21 may extract similar users by using a trained model configured by a neural network or the like. For example, the similar user extraction unit 21 may use a trained model that has been machine-learned to input the user attributes of each of the two users (for example, user attributes that have been vectorized as described above) and output a flag value indicating whether the two users are similar or not based on a certain standard or above. In this case, the similar user extraction unit 21 can input the user attributes of the target user and the user attributes of the non-target user into the trained model, thereby obtaining a determination result of whether the target user and the non-target user are similar or not (i.e., whether the non-target user is a similar user or not).

In addition, in the similar user extraction process described above, it is not necessary to use all items of the user attributes stored in the user attribute storage unit D1 (excluding items that are not directly related to user attributes, such as employee ID and similar employee ID). For example, the similar user extraction process described above may be performed based on only some items of the user attributes (e.g., age, occupation, years of service, family composition, etc.). Furthermore, the similar user extraction process may extract users who completely match the first user in such some items as similar users. In this case, similar users can be extracted by determining whether the values match for all items.

The extraction unit 12 may have the functionality of the similar user extraction unit 21 described above. In that case, the extraction unit 12 may execute the processing of the similar user extraction unit 21 described above to directly extract similar users for each user. However, if the personnel management server 20 has a function (similar user extraction unit 21) for extracting similar users of an arbitrary user as one of its personnel management functions as in this embodiment, the use of this function can reduce the effort and waste of implementing duplicate functions in the operational status presentation device 10.

In step S4, the generation unit 13 creates scatter plot data that is the source data for the scatter plot displayed by the operational status presentation function. An example of the process for creating the scatter plot data will be described with reference to FIG. 5.

First, the generation unit 13 selects an evaluation axis set to be processed from among the evaluation axis sets stored in the evaluation axis set storage unit D4. In the example of FIG. 5, an evaluation axis set in which the evaluation axis ID "1111", the vertical axis item "yield", and the horizontal axis item "years of service" are set is selected as the evaluation axis set to be processed (see the upper part of FIG. 5). In this example, the vertical axis item "yield" is an item related to the management status of the defined contribution pension plan, and corresponds to the "yield" of the DC information stored in the DC information storage unit D2. In addition, the horizontal axis item "years of service" is an item related to the user attribute, and corresponds to the user attribute "years of service" stored in the user attribute storage unit D1.

Next, the generating unit 13 obtains the value of "years of service" for each user by referring to the user attribute storage unit D1. Also, the generating unit 13 obtains the value of "yield" for each user by referring to the DC information storage unit D2 (see the middle part of FIG. 5). Next, the generating unit 13 creates scatter plot data in which the values of the vertical axis items and horizontal axis items of the evaluation axis set are associated with the evaluation axis ID and employee ID (see the lower part of FIG. 5). According to the above-mentioned process, scatter plot data (i.e., data storing the values of the vertical axis items and horizontal axis items of all users) corresponding to the evaluation axis set selected as the processing target (here, the evaluation axis set with the evaluation axis ID "1111") is created. Also, the generating unit 13 executes the above-mentioned process for all evaluation axis sets stored in the evaluation axis set storage unit D4, thereby creating scatter plot data corresponding to all evaluation axis sets. The generating unit 13 holds the scatter plot data for each evaluation axis set created. The scatter plot data for each evaluation axis set is stored, for example, in any database that can be referenced by the generation unit 13. Such scatter plot data creation processing may be performed periodically, for example, by batch processing (e.g., daily batch processing) that utilizes nighttime hours.

The processing in steps S5 to S7 is processing in a situation where a user of interest (first user) uses the operation status presentation function via a user terminal T. In other words, the processing in steps S5 to S7 can be executed by any user at any timing.

In step S5, the input receiving unit 11 receives an operation of the first user to select one evaluation axis set from among a plurality of evaluation axis sets (orthogonal coordinate systems) prepared in advance. For example, the input receiving unit 11 displays an evaluation axis set selection screen, which is one screen of the web application of the operation status presentation function, on the display of the user terminal T. Here, the evaluation axis set selection screen is a screen that displays a list of a plurality of evaluation axis sets stored in the evaluation axis set storage unit D4 and allows the user to select one of the evaluation axis sets. When the first user performs an operation to select one evaluation axis set on the evaluation axis set selection screen, information indicating the selected evaluation axis set (e.g., an evaluation axis ID) is transmitted from the user terminal T to the operation status presentation device 10 (input receiving unit 11). As a result, the input receiving unit 11 can obtain information on the evaluation axis set selected by the user. Note that, when the first user first executes (starts) the operation status presentation function, a preset default evaluation axis set may be applied. In this case, the processing of step S5 may be omitted. Furthermore, the first user's operation for selecting an evaluation axis set may be performed by pressing a switching button displayed on the screen. For example, each time the switching button is pressed by the user, the evaluation axis set applied to the scatter plot may be switched in a predetermined order. In this case, the list of evaluation axis sets may not be displayed on the display of the user terminal T.

In step S6, the generating unit 13 generates a scatter diagram corresponding to the evaluation axis set selected in step S5 (generation step). More specifically, the generating unit 13 generates a scatter diagram in which a position corresponding to the first user and positions corresponding to each of the multiple second users are plotted in an orthogonal coordinate system corresponding to the evaluation axis set. An example of a processing procedure for generating a scatter diagram will be described with reference to FIG. 6. In the example of FIG. 6, a user with employee ID "AAA" corresponds to a "first user", a user with employee ID "BBB" corresponds to a "similar user" of the first user, and users with employee IDs "CCC" and "DDD" correspond to "second users who are not similar users". Note that in reality, there may be multiple "similar users" and "second users who are not similar users" (especially the latter).

The generating unit 13 generates a scatter diagram based on the scatter diagram data corresponding to the selected evaluation axis set. In the example of FIG. 6, the generating unit 13 plots a white square-shaped point P1 corresponding to the first user (AAA), a diamond-shaped point P2 corresponding to the similar user (BBB), and a black square-shaped point P3 (P31, P32) corresponding to each of the second users (CCC, DDD) who are not similar users in an orthogonal coordinate system consisting of the vertical axis item "yield" and the horizontal axis item "years of service". In this way, the generating unit 13 plots the position corresponding to the similar user (BBB) in a display mode different from the display mode of the position corresponding to the second user (CCC, DDD) who is not a similar user. More specifically, the generating unit 13 plots the positions corresponding to each second user on the scatter diagram so that the positions corresponding to the similar users are visually distinguishable from the positions corresponding to the second users other than the similar users.

The generation unit 13 may also plot a position (star-shaped point P4 in the example of FIG. 6) corresponding to a virtual target model user determined based on a risk tolerance (risk type) preselected by the first user on the scatter diagram. The target model user is a virtual user who achieves the investment goal of the defined contribution pension. The position corresponding to the target model user is derived according to an evaluation axis (vertical axis corresponding to "yield" in the example of FIG. 6) related to the investment status of the defined contribution pension. In this example, the value of "target yield" of the investment profile (4.5) corresponds to the target value of the evaluation axis and corresponds to the position of the vertical axis of the target model user. In addition, since the horizontal axis is the years of service in this example, the position of the horizontal axis of the target model user is set to a future point (for example, one year later (16 years of service)) rather than the present time. According to the above embodiment, the position corresponding to the first user (point P1) and the position corresponding to the target model user (point P3) can be visually easily compared on the scatter diagram, thereby improving the convenience of the first user. More specifically, by presenting the first user with the position of a target model user that serves as a benchmark for management, the first user can be appropriately encouraged to reconsider his/her management style. In addition, the generation unit 13 may, for example, extract actual users who are performing management with the best performance (good results) in the same model portfolio as the model portfolio determined based on the risk tolerance of the first user by referring to each of the storage units D1 to D3. The generation unit 13 may then plot the positions corresponding to the extracted users in a scatter diagram in a manner that makes them distinguishable from other users. In addition, the generation unit 13 may, by referring to the management profile storage unit D3, extract users with a management rank of a certain level or higher or users with a deviation rate of a certain level or lower, and plot the positions corresponding to the users in a scatter diagram in a manner that makes them distinguishable from other users. In this way, by presenting the positions corresponding to users who are actually performing well to the first user, the first user's motivation for management can be effectively increased.

The generation unit 13 may also display the investment target area R determined based on the risk tolerance (risk type) preselected by the first user on the scatter diagram. The investment target area R is derived according to an evaluation axis (vertical axis corresponding to "yield" in the example of FIG. 6) related to the investment status of the defined contribution pension. In this example, the value of the "target yield range" of the investment profile (5.8-3.2) corresponds to the investment target area R corresponding to the evaluation axis. The investment target area R is displayed, for example, in a band shape. The investment target area R may be displayed in such a manner that the points overlapping with the area can be visually recognized, and may be expressed, for example, by displaying a hatched pattern as in the example of FIG. 6 or by coloring the area in a color different from the other background parts. According to the above embodiment, it is possible to visually and easily grasp whether the position (point P1) corresponding to the first user is in the investment target area R in the scatter diagram. As a result, the convenience of the first user can be improved. More specifically, by presenting the first user with an investment target area R that serves as a guideline for investment, the first user can be guided to appropriate asset formation (for example, if the first user is outside of the investment target area R, the first user can be guided to take action to review his/her investment so that it falls within the investment target area R).

The generating unit 13 may also plot, on the scatter diagram, one or more second positions corresponding to the first user's past investment status, along with a first position (i.e., point P1) corresponding to the first user's current investment status. In the example of FIG. 6, a second position (triangular point P5) corresponding to the first user's investment status one year ago (here, "yield") is plotted on the scatter diagram. According to the above embodiment, the current investment status (point P1) and the past investment status (point P5) can be visually and easily compared on the scatter diagram, thereby improving the convenience of the first user. More specifically, the first user can be made to realize the need for his or her own growth or improvement in investment style.

In step S7, the presentation unit 14 presents the scatter diagram generated by the generation unit 13 in step S6 to the first user (presentation step). For example, the presentation unit 14 transmits drawing data for displaying the scatter diagram on the screen of the user terminal T to the user terminal T of the first user. FIG. 7 is a diagram showing an example of a scatter diagram displayed on the screen of the user terminal T. In the example of FIG. 7, additional information such as setting information "Investment Style: Conservative" based on the risk type of the first user, the remaining asset valuation amount (corresponding to the "asset valuation amount" of the DC information), the investment yield (corresponding to the "yield" of the DC information), the accumulated contribution amount (corresponding to the "accumulated contribution amount" of the DC information), and the valuation profit and loss (corresponding to the "revenue amount" of the DC information) are displayed together with the scatter diagram generated in step S6.

Here, each point (e.g., a point corresponding to a second user) displayed on the scatter diagram may be associated with the employee ID of the user corresponding to the point. In this case, the following detailed display function can be realized. For example, when a point corresponding to any second user displayed on the scatter diagram is selected by a user, the input reception unit 11 acquires the contents of the selection operation (e.g., the employee ID of the user corresponding to the selected point). Then, the presentation unit 14 can refer to the user attributes, DC information, and operation profile of the user corresponding to the employee ID by searching the user attribute storage unit D1, the DC information storage unit D2, and the operation profile storage unit D3 using the employee ID as a search key. As a result, as shown in the right part (balloon part) of FIG. 7, the presentation unit 14 can generate a screen that displays detailed information of the user based on the user attributes, DC information, and operation profile of the user corresponding to the employee ID, and present the screen to the first user. Note that the display format of the user's detailed information is not limited to a specific format. For example, the presentation unit 14 may superimpose the detailed information of the user on the scatter plot, as in a speech bubble display, or may switch from the screen displaying the scatter plot to a screen displaying detailed information of the selected user.

According to the above-described operation status presentation device 10, a scatter diagram showing the operation status of the first user himself as well as the operation status of a plurality of second users different from the first user is presented to the first user. This allows the first user to objectively grasp the operation status of the first user himself. Furthermore, in the scatter diagram, the position (point P2 in FIG. 6) corresponding to a similar user determined to be similar to the first user based on user attributes is plotted in a display mode different from the position (point P3 in FIG. 6) corresponding to a second user other than the similar user. In this embodiment, as an example, the point P3 of the second user other than the similar user is represented in a black square shape that is not very noticeable, whereas the point P2 of the similar user is represented in a star shape that is easily noticeable. This makes it possible to present the operation status of a similar user that is considered to be of high value as a comparison target for the first user in an easy-to-understand manner to the first user. For example, the operation status of a similar user who is close to the first user in age and career (years of service) and has similar operation funds (e.g., DC contribution amount, DC matching contribution amount) is considered to be of high value as reference information for the first user. As a result, the first user's interest in asset management can be effectively stimulated.

The operation status presentation device 10 also includes an input reception unit 11 that receives an operation by a first user to select one evaluation axis set from among a plurality of evaluation axis sets prepared in advance, and the generation unit 13 generates a scatter diagram using the one evaluation axis set selected by the operation of the first user received by the input reception unit 11. According to the above embodiment, the first user can freely switch between multiple perspectives (evaluation axis sets) to refer to the scatter diagram, thereby further improving the convenience for the first user.

The investment status presented by the investment status presentation device 10 is the investment status of a corporate defined contribution pension plan, and the first user and the multiple second users are employees of the same employer. According to the above embodiment, by presenting the investment status of a colleague to the first user as reference information, the first user's interest in asset management can be more effectively stimulated.

The above is a detailed explanation based on the embodiments of the present disclosure. However, the present disclosure is not limited to the above embodiments. Various modifications of the present disclosure are possible without departing from the spirit and scope of the present disclosure.

For example, in addition to the "yield" exemplified in this embodiment, the vertical axis items of the evaluation axis set can be, for example, "asset valuation amount," "cumulative contribution amount," "revenue amount," etc. Furthermore, in addition to the "years of service" exemplified in this embodiment, the horizontal axis items of the evaluation axis set can be, for example, "age," "management period," etc. Furthermore, by arbitrarily combining such vertical axis items and horizontal axis items, multiple evaluation axis sets can be configured. Multiple evaluation axis sets can be defined in advance by the service provider, or can be created (newly registered) by the user.

In addition, the perspective (type of user attribute) used to extract similar users may be fixed in advance, or may be selected by user operation. For example, in the latter case, a first user who wishes to refer specifically to the operational status of a colleague who holds the same position can select the user attribute "position" as a parameter to be used for extracting similar users. In this way, in the latter case, it is possible to extract similar users with whom the first user wishes to compare their own operational status. In other words, it is possible to present the first user with the operational status of similar users that is more useful to the first user.

In addition, in the above embodiment, a form in which part or all of the personnel master information stored in the personnel management server 20 (personnel master information storage unit DM1) is acquired as the user attributes of each user is exemplified, but the method in which the operation status presentation device 10 acquires and stores the user attributes of each user is not limited to the above. For example, the operation status presentation device 10 may automatically acquire data from the personnel management server 20 by API linkage or the like, or may acquire data by a method including some manual work such as CSV linkage. In addition, the operation status presentation device 10 (e.g., the presentation unit 14) may generate an editing screen for editing (adding, modifying, deleting, etc.) the data acquired from the personnel management server 20 and present it to the user. Then, the operation status presentation device 10 (e.g., the input reception unit 11) may accept a user operation on the editing screen and update the data stored in the user attribute storage unit D1 in response to the user operation.

A modified example of the processing of the operational status presentation device 10 will be described with reference to Figs. 8 and 9. Fig. 8 is a flowchart showing an example of the operation of the operational status presentation device 10 according to the modified example. Fig. 9 is a diagram showing an example of a screen (screen SC) generated by the operational status presentation device 10 according to the modified example. The processing shown in Fig. 8 is started in response to a display request for screen SC being made by the first user via the user terminal T, for example.

In step S11, the extraction unit 12 extracts second users to be displayed (i.e., second users to be plotted in a scatter diagram). For example, the extraction unit 12 extracts similar users of the first user as display targets by using predetermined filtering conditions that enable extraction of similar users similar to the first user. For example, the filtering conditions are set in an initial state to include conditions that apply to the first user for at least one item included in the user attributes. The initial state is, for example, a default state in which the filtering conditions have not been customized (changed) by the first user.

As an example, consider a case where the user attributes include the items of gender, family structure, and risk tolerance (in this modified example, "risk tolerance" is used as one of the user attributes), the gender of the first user is "male", the family structure of the first user is "married (with dependents)", and the risk tolerance of the first user is "proactive". In this case, the narrowing-down conditions are set in the initial state to include at least one of the following conditions: a condition that applies to the first user regarding gender (here, "male"), a condition that applies to the first user regarding family structure (here, "married (with dependents)"), and a condition that applies to the first user regarding risk tolerance (here, "proactive"). The extraction unit 12, for example, refers to the user attribute storage unit D1 to extract second users (similar users) that match the narrowing-down conditions as display targets.

In step S12, the generating unit 13 generates a scatter diagram in which the position corresponding to the first user and the positions corresponding to each second user extracted by the extracting unit 12 in step S11 are plotted, for example, by executing the same processes as in steps S4 and S6 described above. Here, as an example, a case is considered in which an evaluation axis set in which the horizontal axis item is "age" and the vertical axis item is "return 3 years" is selected. In this example, the vertical axis corresponds to an item related to the management status of the defined contribution pension. In this case, the generating unit 13 generates a scatter diagram A1 as shown in FIG. 9. As an example, in the scatter diagram A1, positions corresponding to the first user and each second user are plotted, as well as positions corresponding to the target model user determined in the same manner as in the above embodiment. In the scatter diagram A1, points represented by white diamonds indicate positions corresponding to the first user, points represented by stars indicate positions corresponding to the target model user, and each point represented by a black square indicates a position corresponding to each second user.

In step S13, the presentation unit 14 presents to the first user a screen SC including the scatter plot A1 generated by the generation unit 13 in step S12. The screen SC includes, together with the scatter plot A1, a condition setting area A2 for setting a narrowing down condition (i.e., the narrowing down condition used by the extraction unit 12 in step S11) for determining the second users to be plotted in the scatter plot A1.

In the example of FIG. 9, the narrowing conditions include conditions related to the items of age, sex, family structure, and risk tolerance. However, the narrowing conditions may be configured to include items other than those mentioned above. In this example, the narrowing conditions are set to extract second users who satisfy all the conditions set in each item. In FIG. 9, among the multiple blocks included in each item of the condition setting area A2, the hatched blocks indicate conditions to which the extracted second user may apply (hereinafter referred to as "extraction conditions"), and the non-hatched blocks indicate conditions to which the extracted second user must not apply (hereinafter referred to as "non-extraction conditions"). Note that one narrowing condition may be configured to allow only one selection item to be selected, or may be configured to allow multiple selection items to be selected. For example, in the example of FIG. 9, the narrowing conditions related to gender may be configured to allow both "male" and "female" to be selected. When both "male" and "female" are selected in the narrowing conditions related to gender, second users corresponding to "male" or "female" may be extracted. In this case, gender is not actually used as a parameter for narrowing down.

In the example of FIG. 9, the condition setting area A2 shows that the narrowing down conditions are set to extract second users whose gender corresponds to "male", whose family structure corresponds to "married (with dependents)", and whose risk tolerance corresponds to "aggressive". Note that in this example, age is not used as a parameter for narrowing down the search. In other words, second users of all ages are targeted for extraction. The scatter plot A1 shows points (black squares) corresponding to each second user extracted using these narrowing down conditions.

9, the screen SC may include a detail display area A3 that displays detailed information of a second user corresponding to one point selected by the user from among the points displayed on the scatter diagram A1. For example, when a point corresponding to a specific second user on the scatter diagram A1 is selected by the first user, the presentation unit 14 may display detailed information corresponding to the selected second user in the detail display area A3. In the example of FIG. 9, the detail display area A3 includes information on the age, sex, family structure, investment evaluation, return (3 years, 5 years, 10 years), risk (3 years, 5 years, 10 years), risk tolerance, and yield (5 years) of the selected second user. However, the information displayed in the detail display area A3 is not limited to these information. The detail display area A3 may include not only text information but also figures such as graphs and pie charts. For example, the presentation unit 14 can acquire detailed information to be displayed in the detail display area A3 by referring to information stored in the user attribute storage unit D1, the DC information storage unit D2, or the operation profile storage unit D3.

The filtering conditions displayed in the condition setting area A2 may be configured to be changeable, for example, by a touch operation on the touch panel display of the user terminal T (or, in the case where the user terminal T is a personal computer, a click operation, etc.). In this case, in step S14, the input receiving unit 11 may receive a user operation to change the filtering conditions in the condition setting area A2. For example, each block displayed in the condition setting area A2 may be configured to switch between extraction conditions and non-extraction conditions by a user's touch operation. That is, when a block set as an extraction condition is touched, the block may be changed to a non-extraction condition, and when a block set as a non-extraction condition is touched, the block may be changed to an extraction condition.

In step S14, if the input receiving unit 11 receives a user operation as described above and the filtering conditions are changed (step S14: YES), the presentation unit 14 may present the scatter plot A1 according to the changed filtering conditions to the first user. For example, if the filtering conditions are changed (step S14: YES), the above-mentioned steps S11 to S13 may be executed based on the changed filtering conditions. As a result, the second user for whom the scatter plot A1 is to be displayed is changed according to the changed filtering conditions.

The detection of the change in the filtering conditions in the condition setting area A2 (step S14: YES) may be performed each time any block included in the condition setting area A2 is selected (i.e., each time any block is changed from an extraction condition (or a non-extraction condition) to a non-extraction condition (or an extraction condition)). Alternatively, the screen SC may be provided with a confirmation button or the like for confirming the change in the filtering conditions in the condition setting area A2. In this case, the detection of the change in the filtering conditions in the condition setting area A2 (step S14: YES) may be performed when the confirmation button is selected after a selection operation is performed on one or more blocks. In the latter case, it is possible to prevent unnecessary screen update processing (steps S11 to S13) from occurring during the first user's work of changing the filtering conditions.

In step S15, if a termination operation (e.g., an operation to close the screen SC) is performed (step S15: YES), the operation status presentation device 10 terminates the process. On the other hand, until a termination operation is performed, the operation status presentation device 10 continues to display the screen SC and updates the display of the scatter plot A1 of the screen SC as appropriate in response to changes in the filtering conditions (step S14: YES). Note that the termination operation is not limited to an operation to close the screen SC. For example, the termination operation may include various operations, such as an operation to transition from the screen SC to another screen, or an operation to terminate the application (e.g., a browser, a dedicated application, etc.) that is displaying the screen SC.

In the above modification, the presentation unit 14 presents to the first user, together with the scatter diagram A1, a condition setting area A2 for setting a narrowing down condition for determining a second user to be plotted on the scatter diagram A1. The narrowing down condition includes, in the initial state, a condition that applies to the first user for at least one item included in the user attributes (gender, family structure, and risk tolerance in the example of FIG. 9). The extraction unit 12 then extracts similar users using the narrowing down condition. According to the above configuration, the scatter diagram A1 in which points corresponding to the first user and points corresponding to the second user extracted based on the narrowing down condition are displayed can be presented to the first user. That is, useful information regarding the management status of the defined contribution pension can be presented to the first user. As a result, the first user's interest in asset management can be effectively aroused.

The input reception unit 11 is also configured to be able to receive a user operation to change the filtering conditions in the condition setting area A2, and when the input reception unit 11 receives the user operation, the presentation unit 14 presents the first user with a scatter plot A1 according to the changed filtering conditions. With the above configuration, the first user can be provided with a function to screen (select) second users to be displayed in the scatter plot A1. In other words, the first user can freely select second users to be displayed in the scatter plot A1 by changing the filtering conditions displayed in the condition setting area A2.

10...operation status presentation device, 11...input reception unit (reception unit), 12...extraction unit, 13...generation unit, 14...presentation unit, 110...operation status presentation program.

Claims (23)

1. An investment status presentation device that visually presents an investment status of a defined contribution pension of a first user to the first user,
an extraction unit that extracts similar users determined to be similar to the first user based on user attributes of the first user and each of the plurality of second users, the similar users being determined to be similar to the first user, from among a plurality of second users different from the first user;
a generation unit that generates a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the plurality of second users are plotted in an orthogonal coordinate system having two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation unit that presents the scatter diagram generated by the generation unit to the first user,
The generation unit plots a position corresponding to the similar user in a display manner different from a display manner of a position corresponding to the second user who is not the similar user,
The generation unit plots, on the scatter diagram, a position corresponding to a virtual target model user determined based on a risk tolerance preselected by the first user . 1. An investment status presentation device that visually presents an investment status of a defined contribution pension of a first user to the first user,
an extraction unit that extracts similar users determined to be similar to the first user based on user attributes of the first user and each of the plurality of second users, the similar users being determined to be similar to the first user, from among a plurality of second users different from the first user;
a generation unit that generates a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the plurality of second users are plotted in an orthogonal coordinate system having two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation unit that presents the scatter diagram generated by the generation unit to the first user,
The generation unit plots a position corresponding to the similar user in a display manner different from a display manner of a position corresponding to the second user who is not the similar user,
The generation unit displays, on the scatter diagram , an investment target area determined based on a risk tolerance preselected by the first user. 1. An investment status presentation device that visually presents an investment status of a defined contribution pension of a first user to the first user,
an extraction unit that extracts similar users determined to be similar to the first user based on user attributes of the first user and each of the plurality of second users, the similar users being determined to be similar to the first user, from among a plurality of second users different from the first user;
a generation unit that generates a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the plurality of second users are plotted in an orthogonal coordinate system having two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation unit that presents the scatter diagram generated by the generation unit to the first user,
The generation unit plots a position corresponding to the similar user in a display manner different from a display manner of a position corresponding to the second user who is not the similar user,
The generation unit plots one or more second positions corresponding to the first user's past operational status on the scatter plot together with a first position corresponding to the first user's current operational status. a reception unit that receives an operation of the first user to select one orthogonal coordinate system from a plurality of orthogonal coordinate systems prepared in advance,
4. The operation status presentation device according to claim 1 , wherein the generation unit generates the scatter diagram by using the one orthogonal coordinate system selected by the operation of the first user accepted by the acceptance unit. The investment status presentation device according to any one of claims 1 to 4 , wherein the user attributes include at least one of age, sex, occupation, job title, years of service, family structure, date of joining a defined contribution pension plan, and amount of contribution to a defined contribution pension plan. The defined contribution pension plan is a corporate defined contribution pension plan,
The operational status presentation device according to claim 5 , wherein the first user and the plurality of second users are employees of a same business owner. 1. A method for visually presenting a management status of a defined contribution pension plan of a first user to the first user, the method comprising:
an extraction step of extracting similar users determined to be similar to the first user based on user attributes of the first user and each of the plurality of second users, the similar users being ...;
A generating step of generating a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the plurality of second users are plotted in an orthogonal coordinate system having two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation step of presenting the scatter diagram generated in the generation step to the first user,
In the generating step, a position corresponding to the similar user is plotted in a display manner different from a display manner of a position corresponding to the second user who is not the similar user;
An operational status presentation method , in which in the generating step, a position corresponding to a virtual target model user determined based on a risk tolerance preselected by the first user is plotted on the scatter diagram . 1. A method for visually presenting a management status of a defined contribution pension plan of a first user to the first user, the method comprising:
an extraction step of extracting similar users determined to be similar to the first user based on user attributes of the first user and each of the plurality of second users, the similar users being ...;
A generating step of generating a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the plurality of second users are plotted in an orthogonal coordinate system having two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation step of presenting the scatter diagram generated in the generation step to the first user,
In the generating step, a position corresponding to the similar user is plotted in a display manner different from a display manner of a position corresponding to the second user who is not the similar user;
In the generating step, an investment target area determined based on a risk tolerance preselected by the first user is displayed on the scatter diagram. 1. A method for visually presenting a management status of a defined contribution pension plan of a first user to the first user, the method comprising:
an extraction step of extracting similar users determined to be similar to the first user based on user attributes of the first user and each of the plurality of second users, the similar users being ...;
A generating step of generating a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the plurality of second users are plotted in an orthogonal coordinate system having two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation step of presenting the scatter diagram generated in the generation step to the first user,
In the generating step, a position corresponding to the similar user is plotted in a display manner different from a display manner of a position corresponding to the second user who is not the similar user;
An operational status presentation method in which, in the generation step, one or more second positions corresponding to the first user's past operational status are plotted on the scatter plot together with a first position corresponding to the first user's current operational status. An investment status presentation program that causes a computer to function as an investment status presentation device that visually presents an investment status of a first user's defined contribution pension to the first user,
The operational status presentation device comprises:
an extraction unit that extracts similar users determined to be similar to the first user based on user attributes of the first user and each of the second users from among a plurality of second users different from the first user;
a generation unit that generates a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the plurality of second users are plotted in an orthogonal coordinate system having two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation unit that presents the scatter diagram generated by the generation unit to the first user;
Equipped with
The generation unit plots a position corresponding to the similar user in a display manner different from a display manner of a position corresponding to the second user who is not the similar user,
An operational status presentation program , wherein the generation unit plots on the scatter diagram a position corresponding to a virtual target model user determined based on a risk tolerance preselected by the first user. An investment status presentation program that causes a computer to function as an investment status presentation device that visually presents an investment status of a first user's defined contribution pension to the first user,
The operational status presentation device comprises:
an extraction unit that extracts similar users determined to be similar to the first user based on user attributes of the first user and each of the second users from among a plurality of second users different from the first user;
a generation unit that generates a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the plurality of second users are plotted in an orthogonal coordinate system having two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation unit that presents the scatter diagram generated by the generation unit to the first user;
Equipped with
The generation unit plots a position corresponding to the similar user in a display manner different from a display manner of a position corresponding to the second user who is not the similar user,
The generation unit displays, on the scatter diagram, an investment target area determined based on a risk tolerance preselected by the first user. An investment status presentation program that causes a computer to function as an investment status presentation device that visually presents an investment status of a first user's defined contribution pension to the first user,
The operational status presentation device comprises:
an extraction unit that extracts similar users determined to be similar to the first user based on user attributes of the first user and each of the second users from among a plurality of second users different from the first user;
a generation unit that generates a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the plurality of second users are plotted in an orthogonal coordinate system having two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation unit that presents the scatter diagram generated by the generation unit to the first user;
Equipped with
The generation unit plots a position corresponding to the similar user in a display manner different from a display manner of a position corresponding to the second user who is not the similar user,
An operation status presentation program, in which the generation unit plots on the scatter plot one or more second positions corresponding to the first user's past operation status together with a first position corresponding to the first user's current operation status. 1. An investment status presentation device that visually presents an investment status of a defined contribution pension of a first user to the first user,
An extraction unit that extracts a user selected based on a set narrowing-down condition from among a plurality of second users different from the first user;
a generation unit that generates a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the selected users extracted by the extraction unit are plotted in an orthogonal coordinate system consisting of two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation unit that presents the scatter diagram generated by the generation unit to the first user ,
The generation unit plots, on the scatter diagram, a position corresponding to a virtual target model user determined based on a risk tolerance preselected by the first user . 1. An investment status presentation device that visually presents an investment status of a defined contribution pension of a first user to the first user,
An extraction unit that extracts a user selected based on a set narrowing-down condition from among a plurality of second users different from the first user;
a generation unit that generates a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the selected users extracted by the extraction unit are plotted in an orthogonal coordinate system consisting of two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation unit that presents the scatter diagram generated by the generation unit to the first user,
The generation unit displays, on the scatter diagram, an investment target area determined based on a risk tolerance preselected by the first user. 1. An investment status presentation device that visually presents an investment status of a defined contribution pension of a first user to the first user,
An extraction unit that extracts a user selected based on a set narrowing-down condition from among a plurality of second users different from the first user;
a generation unit that generates a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the selected users extracted by the extraction unit are plotted in an orthogonal coordinate system consisting of two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation unit that presents the scatter diagram generated by the generation unit to the first user,
The generation unit plots one or more second positions corresponding to the first user's past operational status on the scatter plot together with a first position corresponding to the first user's current operational status. The presentation unit presents, together with the scatter diagram, a condition setting area for setting the narrowing-down condition for determining the second users to be plotted in the scatter diagram to the first user;
The narrowing-down condition includes, in an initial state, a condition that applies to the first user for at least one item included in a user attribute of the first user;
The operation status presentation device according to claim 13 , wherein the extraction unit extracts the selected users by using the narrowing down condition. a reception unit that receives a user operation to change the search conditions in the condition setting area,
The operation status presentation device according to claim 16 , wherein the presentation unit presents the scatter diagram according to the changed narrowing-down condition to the first user when the user operation is accepted by the acceptance unit. 1. A method for visually presenting a management status of a defined contribution pension plan of a first user to the first user, the method comprising:
An extraction step of extracting a user selected based on a set narrowing-down condition from among a plurality of second users different from the first user;
a generating step of generating a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the selected users extracted in the extracting step are plotted in an orthogonal coordinate system consisting of two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation step of presenting the scatter diagram generated in the generation step to the first user ,
An operational status presentation method , in which in the generating step, a position corresponding to a virtual target model user determined based on a risk tolerance preselected by the first user is plotted on the scatter diagram . 1. A method for visually presenting a management status of a defined contribution pension plan of a first user to the first user, the method comprising:
An extraction step of extracting a user selected based on a set narrowing-down condition from among a plurality of second users different from the first user;
a generating step of generating a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the selected users extracted in the extracting step are plotted in an orthogonal coordinate system consisting of two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation step of presenting the scatter diagram generated in the generation step to the first user,
In the generating step, an investment target area determined based on a risk tolerance preselected by the first user is displayed on the scatter diagram. 1. A method for visually presenting a management status of a defined contribution pension plan of a first user to the first user, the method comprising:
An extraction step of extracting a user selected based on a set narrowing-down condition from among a plurality of second users different from the first user;
a generating step of generating a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the selected users extracted in the extracting step are plotted in an orthogonal coordinate system consisting of two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation step of presenting the scatter diagram generated in the generation step to the first user,
An operational status presentation method in which, in the generation step, one or more second positions corresponding to the first user's past operational status are plotted on the scatter plot together with a first position corresponding to the first user's current operational status. An investment status presentation program that causes a computer to function as an investment status presentation device that visually presents an investment status of a first user's defined contribution pension to the first user,
The operational status presentation device comprises:
an extraction unit that extracts a user selected based on a set narrowing-down condition from among a plurality of second users different from the first user;
a generation unit that generates a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the selected users extracted by the extraction unit are plotted in an orthogonal coordinate system consisting of two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation unit that presents the scatter diagram generated by the generation unit to the first user ,
An operational status presentation program , wherein the generation unit plots on the scatter diagram a position corresponding to a virtual target model user determined based on a risk tolerance preselected by the first user. An investment status presentation program that causes a computer to function as an investment status presentation device that visually presents an investment status of a first user's defined contribution pension to the first user,
The operational status presentation device comprises:
An extraction unit that extracts a user selected based on a set narrowing-down condition from among a plurality of second users different from the first user;
a generation unit that generates a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the selected users extracted by the extraction unit are plotted in an orthogonal coordinate system consisting of two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation unit that presents the scatter diagram generated by the generation unit to the first user,
The generation unit displays, on the scatter diagram, an investment target area determined based on a risk tolerance preselected by the first user. An investment status presentation program that causes a computer to function as an investment status presentation device that visually presents an investment status of a first user's defined contribution pension to the first user,
The operational status presentation device comprises:
An extraction unit that extracts a user selected based on a set narrowing-down condition from among a plurality of second users different from the first user;
a generation unit that generates a scatter diagram in which a position corresponding to the first user and a position corresponding to each of the selected users extracted by the extraction unit are plotted in an orthogonal coordinate system consisting of two or three axes including at least an axis corresponding to an item related to the management status of a defined contribution pension plan;
a presentation unit that presents the scatter diagram generated by the generation unit to the first user,
An operation status presentation program, in which the generation unit plots on the scatter plot one or more second positions corresponding to the first user's past operation status together with a first position corresponding to the first user's current operation status.

Images