JP2002279166A - Household account book data service method and system, and household account book data service program - Google Patents

Abstract

(57) [Summary] [Problem] A user can easily obtain household account data desired by a user without accessing a data provider related to the user himself / herself, and can easily obtain a user's desired household account data without modifying the user. Provides edited household account data to the form. SOLUTION: A service request relating to household account data from a user terminal 200 is received by a service agent server 300 through a communication network 100, and the service agent server 3
At 00, the requesting data desired by the user is inquired to the data providing organizations 400A to 400N.
To collect from. The collected data is edited into household account book data desired by the user and distributed to the user terminal 300. After the collection of the data desired by the user is completed, the service termination is notified from the user terminal 200 to the service acting server 300, and the edited household account data is deleted.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for obtaining household account book data which is obtained from a data provider such as a company, a public institution, or a financial institution, and which can be provided as user-desired household account book data. The present invention relates to a service method and system, and a service program for household account data.

There is a household account book as a means for grasping the status of households. Household account data for creating this household account book is generally collected from a bankbook or a receipt at the time of purchase of goods, and is recorded in these bankbooks. The household account book is created by manually transferring and inputting the income and expenditure information and shopping information such as receipts to the household account book. Further, as described in Japanese Patent Application Laid-Open No. 8-180119, connection information necessary for connection to each of a plurality of data providing institutions such as financial institutions and public institutions is stored in a user terminal. When a user needs to create a household account book, a system has been proposed that connects to a host computer of a plurality of data providing organizations based on the connection information, acquires necessary household data, and creates a household account book. ing.

[0003]

However, in the above-described manual method of creating a household account book, it takes time and effort to transfer and input information to the household account book, and the household account book due to a mistake in transcription or loss of a receipt or the like. There is a problem that the input becomes incorrect and an accurate household account book cannot be created.

In the system described in Japanese Patent Application Laid-Open No. Hei 8-180119, household data required by a user can be collected without mistakes. In addition to the need to access each time, the access operation becomes complicated, and it is necessary to edit the household data obtained from multiple data providers into the household account data on the user terminal, so the editing operation is troublesome, Moreover, it became complicated and unsuitable for household account book data service systems for ordinary households.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned conventional problems, and an object of the present invention is to simplify household account book data desired by a user without the user having to access a data provider related to the user. And a service method and system for household account data, and a service program for household account data, which can easily provide household account data edited in a form desired by the user without any modification of the user. Is to do.

[0006]

SUMMARY OF THE INVENTION A household account data service that collects household data desired by a user from a plurality of data providing institutions on behalf of a user, edits the collected data into household account data, and distributes the data to a user terminal. A method for receiving service request information and necessary items for obtaining household data desired by a user input at the user terminal,
A data requesting step of inquiring request data to access the data provider based on the service request information and necessary items to collect household data, and requesting a user to provide household data desired by the user; A data collection and saving step of collecting and saving the household data provided by the data providing organization in response to the inquiry, and editing the collected household data into household account book data in a form according to a user's request. A data editing step of distributing the data to the user terminal; and a data erasing step of erasing the household account data edited in the data editing step by receiving a service end notification from the user terminal.

[0007] The present invention is also a household account book data service system which collects household data desired by a user on behalf of the user, edits the collected data into household account data, and provides it to the user. Terminal, a service proxy server, and a plurality of data providing institutions, the service proxy server comprising: a service request information for obtaining user's desired household data input by the user terminal; A data request for requesting access to the data provider and collecting household data based on the service request information and the required information, and requesting the user to provide the desired household data. Means, and the household data provided by the data provider in response to the request data request. Data collection and storage means for collecting and storing data, data editing means for editing the collected household data into household account data in a form according to a user's request and delivering the edited data to the user terminal, A data erasing unit for erasing the household account data edited by the data editing unit upon receiving a service end notification.

Further, the present invention collects household data desired by a user from a plurality of data providing organizations on behalf of the user, edits the collected data into household account data, and distributes the data to a user terminal. A service program for receiving service request information and necessary items for obtaining household data desired by the user input at the user terminal, and accessing the data providing organization based on the service request information and necessary items. A data request process for requesting the provision of household data desired by a user while making an inquiry of request data to collect household data, and the household data provided by the data providing organization in response to the inquiry of the request data. A data collection and storage process for collecting and storing, and collecting the collected household data according to a user's request. A data editing process of editing the form of household account data and delivering it to the user terminal, and a data erasing process of erasing the household account data edited in the data editing process by receiving a notification of service end from the user terminal. Is executed by a computer.

In the household account book data service method of the present invention,
In the data request step, service request information and necessary items for obtaining the user's desired household data input at the user terminal are received, and the data providing organization is accessed based on the service request information and the necessary items to collect the household data. In order to do so, it inquires about the requested data and requests the user to provide the household data desired. Then, in the data collection and storage step, the household data provided by the data provider is collected and stored in response to the request data inquiry. Thereafter, in a data editing step, the collected household data is edited into household account data in a form according to the user's request, and distributed to the user terminal. Further, in the data erasing step, the household account data edited in the data editing step is erased by receiving a notification of the end of the service from the user terminal.

[0010] In the household account book data service system of the present invention, the data requesting means receives service request information and necessary items for obtaining the user's desired household data input at the user terminal. The data provider is accessed based on the necessary items to inquire about required data to collect household data, and the user requests the provision of household data desired by the user. The data collection and storage unit collects and stores household data provided by the data provider in response to the request data request. Thereafter, the data editing means edits the collected household data into household account data in a form according to the user's request and distributes the data to the user terminal. Then, by receiving notification of the end of the service from the user terminal,
Delete the household account data edited by the data editing means.

According to the household account book data service program of the present invention, in the data request processing, service request information and necessary items for obtaining the user's desired household data input at the user terminal are received, and the service request is received. Based on the information and the necessary items, the data provider is accessed to inquire about required data to collect household data, and request the user to provide desired household data. Then, in the data collection and storage process,
Collect and save household data provided by the data provider in response to the request data request. Then, in the data editing process, the collected household data is edited into household account data in a form according to the user's request and distributed to the user terminal. Furthermore, in the data erasing process, the household account book data edited in the data editing process is erased by receiving a service end notification from the user terminal.

Therefore, according to the present invention, the user can easily obtain the household account data desired by the user without having to access the data provider related to the user himself, and the user can change the user's household account data without modifying the user. Can easily provide the household account data edited in a desired form.

[0013]

Next, embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a functional block diagram of a household account data service system according to an embodiment of the present invention. FIG. 2 is a block diagram showing an overall configuration of a household account data service system according to the present invention.
5 is a flowchart showing a processing procedure of the household account data service system of the present invention. Hereinafter, an example of the household account book data service system of the present invention will be described with reference to these drawings, and at the same time, an embodiment of the household account book data service method and the household account book data service program of the present invention will be described.

The household account book data service system according to the present embodiment provides, in response to an access from a user, detailed data such as salary details and utility charges, and the status of bank transfers / debits / balances through a network of companies and public institutions. , Obtain the household account data desired by the user from a bank, etc. on behalf of the user, edit the household account data in accordance with the user conditions, and display the edited household account data on the user terminal or distribute it by e-mail, etc. 2, more specifically, as shown in FIG. 2, a plurality of user terminals 200 mutually connected by a communication network 100 such as the Internet or an intranet, a service agent server 300, and a plurality of data Provision organization 400A ~
400N, and the user terminal 200
0 is connected to the communication network 100 via the
00 and the service acting server 300 are constituted by computers. Further, the data providing organizations 400A to 40A
0N is composed of a host computer.

The data providing organization 400A is an organization corresponding to a company that manages and provides data such as a user's pay statement, and the data providing organization 400B manages the electricity bill used by the user and provides the data. The data providing organization 400C is a public organization that manages water rates used by users and provides the data, and the data providing organization 400N is a public organization that manages water charges / debits / balances related to the users. It is a financial institution that manages and provides income and expenditure data.

The computer constituting the user terminal 200 includes a CPU 201 for controlling and managing the whole, and a C
A main memory 202 connected to the PU 201 and a CPU
A display unit 203 such as a CRT connected to the CPU 201;
An input unit 204 such as a keyboard and a mouse connected to the CPU 201; a hard disk drive 205 connected to the CPU 201;
And a communication interface 206 that enables communication with the communication network 100 including the communication interface 206. The function of the user terminal 200 shown in FIG. 1 described later in detail is realized by loading predetermined program data from the hard disk device 205 into the main memory 202 of the computer and operating the CPU 201 with this program.

The computer constituting the service acting server 300 has a CPU 301 for controlling and managing the whole.
And a main memory 302 connected to the CPU 301
And a display unit 303 such as a CRT connected to the CPU 301.
And an input unit 304 such as a keyboard and a mouse connected to the CPU 301, a hard disk device 305 connected to the CPU 301, and a communication interface 306 connected to the CPU 301 and enabling communication with the communication network 100. . FIG. 1 described in detail later.
The functions of the service proxy server 300 shown in FIG.
This is realized by loading predetermined program data from and executing the CPU 301 with this program.

The host computers (each having the same basic configuration) constituting the data providing organizations 400A to 400N include a CPU 401 for controlling and managing the whole, a main memory 402 connected to the CPU 401,
A display unit 403 such as a CRT connected to the PU 401;
An input unit 404 including a keyboard and a mouse connected to the PU 401; and an input unit 404 connected to the CPU 401, such as pay slips and utility bills, and bank transfer / debit /
External storage device 4 for storing the status such as balance as a file
And a communication interface 406 that is connected to the CPU 401 and enables communication with the communication network 100. The functions of the data providing organizations 400A to 400N illustrated in FIG. 1 described in detail later are realized by operating the CPU 401 with a predetermined program stored in the main memory 402 of the computer.

Next, the detailed structure of the household account book data service system shown in FIG. 1 will be described.
Has a configuration including a request condition setting / service requesting unit 211, an authentication information notifying unit 212, and a service end notifying unit 213.

The request condition setting / service request means 21
1 is a CPU 201 of the user terminal 200, a display unit 203
A service access homepage provided by the service surrogate server 300 is displayed on the display unit 203, and by referring to the service access homepage on this display screen, service request information desired by the user is provided. To execute the service request.

The authentication information notifying means 212 includes a CPU 201 of the user terminal 200, a display unit 203, and an input unit 20.
And a password input from the user terminal 200 when a request that the user authentication is required is received from the service agency server 300 in response to the inquiry of the request data from the data providing organizations 400A to 400N. I
The authentication information corresponding to the D number or the like is transmitted to the service proxy server 30.
Send to 0. The service end notifying unit 213 includes the CPU 201 of the user terminal 200, the display unit 203, and the input unit 204.
After receiving the household account data distributed from, the user terminal 200 notifies the service acting server 300 of the end of the service. The request condition setting / service requesting unit 211, the authentication information notifying unit 212, and the service end notifying unit 213 are connected to the communication network 100 via the communication control unit 214.

Further, the service acting server 300 of the household account book data service system in the present embodiment includes a data requesting unit 311, a data collecting and storing unit 312, a data editing unit 313, a data deleting unit 314, an authentication request notifying unit 315, authentication information It is configured to include a notification unit 316.

The data request means 311 is provided by the CPU 301 and the main memory 302 of the service acting server 300.
And receives service request information and necessary items for obtaining user's desired household data input at the user terminal 200, and accesses the data providing organizations 400A to 400N based on the service request information and necessary items. Inquiry of request data to collect household data, and request for provision of household data desired by the user. The data collection / storage unit 312 is provided on the CP of the computer constituting the service proxy server 300.
U301 and a main memory 302, and a data providing organization 400A in response to an inquiry for request data.
Collect and save household data provided from ~ 400N. The data editing unit 313 includes the CPU 301 and the main memory 302 of the service acting server 300, edits the collected household data into household account data in a form according to the user's request, and distributes it to the user terminal 200. . The data erasing unit 314 includes a CPU 301 and a main memory 302 of a computer constituting the service acting server 300, and
By receiving a service end notification from the service end notifying unit 213, the household account data edited by the data editing unit 313 is deleted.

The authentication request notifying means 315 is provided by the CPU 30 of the computer constituting the service proxy server 300.
1. Main memory 302 and communication interface 305
And data providing organizations 400A to 400N.
Data provider 4 in response to the request data request
When a notification indicating that the data requires user authentication is received from 00A to 400N, the user authentication request is sent to the user terminal 2.
Notify 00. The authentication information notifying unit 316 is provided by the CPU of the computer constituting the service acting server 300.
301, main memory 302 and communication interface 3
05 in response to an authentication request notification from the authentication request notifying unit 315 to the user terminal 200.
The user's own authentication information sent from the authentication information notifying means 212 of 00 is notified to the data providing organizations 400A to 400N that have requested the user authentication. Further, the data requesting unit 311, the data collecting and storing unit 312, the data editing unit 313, the data erasing unit 314, the authentication request notifying unit 315, and the authentication information notifying unit 316 include the communication control unit 31.
7 is connected to the communication network 100.

Further, the data providing organization of the household account book data service system in the present embodiment is configured to include a data extracting / transmitting means 411 and an authentication notifying means 412.
The data extracting / transmitting means 411 includes a CPU 401 and a main memory 40 of a computer constituting a data providing organization.
2 and a communication interface 406, receive an inquiry about requested data from the service agent server 300, extract the requested household data from a data file stored in the external storage device 405 of the host computer, and execute the service agent service. Send it to server 300.
The authentication requesting unit 412 includes a CPU 401, a main memory 402, and a communication interface 406 of a computer constituting a data providing institution, and is a data that requires user authentication in response to a request data inquiry from the service acting server 300. In the case of, the service agent server 300 is notified to that effect. Further, the data extraction / transmission unit 411 and the authentication request unit 412 are connected to the communication network 100 via the communication control unit 413.

Next, the operation of the present embodiment configured as described above will be described with reference to FIG. First, a user who wants to receive the household account data service needs to connect the user terminal 200 to the provider 5 by dial-up or the like.
00 and the service agent server 30 through the communication network 100
0, the service access home page provided by the service surrogate server 300 is opened by the request condition setting / service requesting means 211, and a “request condition setting” screen is displayed on the display unit 203 of the user terminal 200. Next, the user looks at the “requirement condition setting” screen and
4, the user inputs service request information and necessary items for obtaining desired household account data, and clicks "Transfer" or the like on a "requirement condition setting" screen. The service is transferred to the service acting server 300 via the communication network 100, and the service request is executed (step S1).

Here, for example, when data such as a pay statement is desired, request data representing a type such as a pay statement, a code number of a company which is a data providing organization providing the request data, and an employee number of a user are provided. If you enter the necessary information equivalent to the above, and if you want utility data such as electricity, gas, water, etc., provide the request data representing the type, such as electricity, gas, water, etc., and this request data If you want to enter the necessary information corresponding to the code number of the data provider, the user number for user identification, the customer number, etc., and if you want the balance data such as transfer / debit / balance of a bank or other financial institution, Request data representing types such as income and expenditure, and necessary items corresponding to the bank number, account number, password, etc. of the financial institution are input. In addition, the necessary items input from the user terminal 200 include a display form of the household account book when editing the collected household data into household account data, such as a table, a form, and the like in units of one month, half year, or one year. It also contains the information to be revealed.

The data request means 311 of the service acting server 300 receives a service request from the user terminal 200, checks the request content, and collects household data according to the request content. An inquiry about request data is made through the communication network 100 to one data provider specified by the above, for example, the data provider 400A which manages the salary information of the user (step S2). In response to the inquiry about the request data, the data providing organization 400A confirms that the user does not need to be authenticated to provide the request data and that the user is an authorized user registered with the data providing organization 400A. Is received, and the requested household data is sent to the data providing organization 400A by the data extraction / transmission unit 411.
From the data file stored in the external storage device 405, and transmits it to the service acting server 300 through the communication network 100 (step S3). The data collection and storage unit 312 of the service proxy server 300 collects the household data provided from the data providing organization 400A and stores it in the main memory 302 of the computer that configures the service proxy server 300.

Next, in the service acting server 300,
In order to collect household data according to the next request, the next data provider specified by the above request, for example, the data supply organization 400N that manages the user's transaction balance information
A request data request is sent to the user through the communication network 100 (step S4). The data providing organization 400N accepts an inquiry for request data, and when it is determined that providing this request data requires user authentication,
The authentication request unit 412 of the data providing organization 400N sends a user authentication request to the service acting server 300 via the communication network 10.
0 is notified (step S5). The service acting server 300 receives the authentication request from the data providing organization 400N and operates the authentication request notifying unit 315 to notify the user terminal 200 of the user authentication request through the communication network 100 (step S6).

User terminal 200 receiving notification of authentication request
Then, an authentication input screen is displayed on the display unit 203, and the user inputs authentication information such as a password and an ID number given in advance according to the display screen. Then, by operating the authentication information notifying unit 212, the input authentication information is notified to the service acting server 300 through the communication network 100 (step S7). The service acting server 300 receives the authentication information from the user terminal 200 and operates the authentication information notifying unit 316 to notify the data providing organization 400N of the authentication information (step S8). In the data providing organization 400N, the notified authentication information is replaced with the correct password or ID.
It is checked whether it is a number, and if it is authenticated, an inquiry for the requested data is accepted, and the requested household data is stored in the external storage device 405 of the data providing organization 400N by the data extracting and transmitting means 411. It is extracted from the data file and transmitted to the service acting server 300 through the communication network 100 (step S9). And
Data collection and storage means 312 of service proxy server 300
Then, the household data provided by the data providing organization 400A is collected and stored in the main memory 302 of the computer constituting the service acting server 300 (step S).
10).

Similarly, when all the household data corresponding to the contents of the service request from the user is provided and collected from the corresponding data providing organization, the data editing means 313 of the service acting server 300 operates to collect the data. The household data is edited into household account data in a form according to the user's request and distributed to the user terminal 200 (step S1)
1). For example, the display form of the household account book is edited into a table, a form, or the like in units of one month, six months, or one year, and distributed to the user terminal 200. The user terminal 200 receives the household account book data distributed from the service acting server 300 (step S12) and stores it in the main memory 202 of the user terminal 200. Then, once the desired data has been collected,
The service end notifying unit 213 operates to notify the service surrogate server 300 of the service end (step S13). Note that the household account data distributed to the user terminal 200 can be printed out by a printer (not shown) attached to the user terminal 200 as necessary. The service acting server 300 receives the notification of the end of the service, and then executes the data erasing means 314.
Operates to delete the household account data edited by the data editing means 313 (step S14).

Therefore, in the household account book data service system according to the present embodiment as described above, the user terminal 200, the service agent server 300, and the plurality of data providing organizations 400A to 400N are interconnected by the communication network 100. The service agent server 300 receives a service request for household account data from the user terminal 200, and the service agent server 300 transmits request data desired by the user to the data providing organizations 400A to 400N.
And collects the requested data from the data providing organizations 400A to 400N in accordance with the inquiry, edits the collected data into the household account data desired by the user, and converts the edited household account data into the user terminal 3.
00, so that the user can easily obtain the household account data desired by the user without accessing the data provider related to the user one by one, and the user can select the desired data without any modification. It is possible to easily obtain household account book data edited in a form to be performed. As a result, it is possible to easily obtain detailed data such as salary details and utility charges, and statuses such as bank transfer / debit / balance from a data providing organization such as a company, a public institution or a bank through a service agency server. In addition, even if the user does not feel the need to create household account data,
It can be used easily as a substitute for passbook entry and as a check on transfer amounts. In addition, it is possible to save the trouble of transferring detailed data such as a pay statement and a utility bill to a household account book, and it is possible to achieve a paperless operation by computerizing the detailed data such as a pay statement and a public utility bill.

In this embodiment, after the collection of data desired by the user is completed, the user terminal 20
0, the service agent server 300 is notified of the end of the service, thereby deleting the household account data edited by the service agent server 300. Therefore, the edited household account data is the third person other than the user. It can be prevented from being illegally disclosed to a user.

[0034]

As described above, according to the household account book data service method and system and the household account book data service program according to the present invention, the user does not need to access the data providing institution related to the user himself. The household account data desired by the user can be easily obtained, and the household account data edited in the desired form can be easily obtained without any modification by the user.

[Brief description of the drawings]

FIG. 1 is a functional block diagram of a service system for household account data according to an embodiment of the present invention.

FIG. 2 is a block diagram showing an overall configuration of a household account book data service system according to the present invention.

FIG. 3 is a flowchart showing a processing procedure of the household account book data service system of the present invention.

[Explanation of symbols]

100: communication network, 200: user terminal, 300:
Service proxy server, 400A-400N ... data providing organization, 400A-400N communication network, 211 ... request condition setting / service request means, 212 ... authentication information notifying means, 213 ... service end notifying means, 311 ... data Requesting means, 312 ... Data collection and storage means, 313 ...
... Data editing means, 314 ... Data erasing means, 315
... authentication request notification means, 316 ... authentication information notification means,
411: Data extraction and transmission means, 412: Authentication notification means.

Claims (17)

[Claims] 1. A household account book data service method that collects household data desired by a user from a plurality of data providing institutions on behalf of a user, edits the collected data into household account book data, and distributes the data to a user terminal. Service request information and necessary items for obtaining the user's desired household data input at the user terminal are received, and based on the service request information and the necessary items, the data providing institution requests the data providing organization for request data for household data collection. A data requesting step of making an inquiry to request the provision of the household data, a data collecting and storing step of collecting and storing the household data provided by the data providing organization in response to the inquiry of the request data, Edited the household data into household account data in the form according to the user's request, A data editing step of distributing; and a data erasing step of erasing the household account data edited in the data editing step by receiving a service end notification from the user terminal. . 2. An authentication request for notifying the user terminal of an authentication request when the data providing organization receives a notification from the data providing organization that the data is data that requires user authentication in response to an inquiry about the requested data. Notifying step, comprising an authentication information notifying step of notifying the data providing organization of the user's own authentication information sent from the user terminal in response to an authentication request notification to the user terminal, wherein the data providing institution 2. The household account book data service method according to claim 1, wherein household information provided from the data provider is collected in response to the inquiry about the request data by notifying authentication information. 3. The service terminal according to claim 1, wherein the user terminal is configured to input the service request information and necessary items by referring to a service access homepage provided by a service agent. 2. The household account book data service method described in 2. 4. The household account book data service method according to claim 2, wherein said authentication information is a password and an ID number. 5. The household account book data service method according to claim 1, wherein the data provider is a host computer owned by a financial institution such as a company, a public institution, or a bank. 6. A household account book data service system that collects household data desired by a user on behalf of the user, edits the collected data into household account data, and provides the data to the user. A user terminal, a service proxy server, and a plurality of data providing institutions, wherein the service proxy server receives service request information and necessary items for obtaining user's desired household data input at the user terminal. A data requesting unit for inquiring the data providing organization of request data for household data collection based on the service request information and the necessary items to request the provision of the household data, and responding to the inquiry of the request data. Data collection and storage means for collecting and storing the household data provided by the data provider, A data editing unit that edits the collected household data into household account data in a form according to a user's request and distributes the data to the user terminal; and a data editing unit that receives a service termination notification from the user terminal. And a data erasing means for erasing the household account data edited in (1). 7. The service acting server, when receiving a request from the data providing organization that the data providing organization inquires of the request data that the data is required for user authentication, sends the authentication request to the user. Authentication request notifying means for notifying the terminal, and authentication information for notifying the data providing organization of the user's own authentication information sent from the user terminal in response to the authentication request notification from the authentication request notifying means to the user terminal. Notifying means, and collecting the household data provided by the data providing organization in response to the inquiry of the request data by notifying the data providing organization of the authentication information from the authentication information notifying means. The household account book data service system according to claim 6. 8. The user terminal includes request condition setting / service request means for inputting the service request information and necessary items with reference to a service access homepage provided by the service proxy server and executing a service request. The household account book data service system according to claim 6 or 7, wherein: 9. The user terminal transmits authentication information such as a password and an ID number input from the user terminal to the service acting server when the user terminal receives an authentication request from the authentication request notifying means. 9. The household account book data service system according to claim 7, further comprising an authentication information notifying unit. 10. The household account book data service system according to claim 6, wherein said data provider is a host computer owned by a financial institution such as a company, a public institution, or a bank. 11. The data providing organization receives an inquiry for request data from the service acting server,
7. A data extracting and transmitting means for extracting requested household data from a data file of a host computer and transmitting the extracted data to the service acting server.
Or the household account book data service system according to 10. 12. The data providing institution comprises an authentication requesting means for notifying the service acting server of data which requires user authentication in response to the inquiry of the request data. Item 6. The household account book data service system according to item 6 or 7. 13. A household account book data service program that collects household data desired by a user from a plurality of data providing organizations on behalf of the user, edits the collected data into household account data, and distributes the data to a user terminal. Receiving service request information and necessary items for obtaining the user's desired household data inputted at the user terminal, and requesting the data providing organization for the household data collection based on the service request information and the necessary items. A data requesting process for inquiring data to request provision of the household data; a data collection and saving process for collecting and storing the household data provided by the data providing organization in response to the inquiry for the request data; The collected household data is edited into household account data in a form according to the user's request, and Data editing processing to be delivered to the end, and data erasing processing for deleting the household account data edited in the data editing processing by receiving a notification of the end of the service from the user terminal. Service program. 14. When an inquiry of the requested data to the data provider is received from the data provider to the effect that the data is data that requires user authentication, an authentication request for requesting the user terminal to the user terminal is provided. An authentication request notification process and an authentication information notification process of notifying the data providing organization of the user's own authentication information sent from the user terminal in response to the authentication request notification to the user terminal are executed by a computer. 14. The program for providing household account data service according to claim 13, wherein household data provided from the data providing organization is collected in response to an inquiry about the request data in association with the processing. 15. The service terminal according to claim 13, wherein the user terminal is configured to be able to input the service request information with reference to a service access homepage provided from a service agent side. A service program for household account data. 16. The program according to claim 14, wherein the authentication information is a password and an ID number. 17. The computer program according to claim 13, wherein the data providing institution is a host computer owned by a financial institution such as a company, a public institution, or a bank.