WO2018110690A1 - Information processing device, program, information processing system, and information processing method - Google Patents

Abstract

The purpose of the present invention is to make it easier to obtain the consent of a user for management of funds while reducing the number of times the funds are transferred. A payment amount acquisition unit 201 acquires a payment amount in a commercial transaction. A difference calculation unit 202 calculates the difference between the acquired payment amount and an amount obtained by rounding up the payment amount. A difference acquisition unit 203 acquires the calculated difference. A consent request unit 206 requests a user to consent to allotting, towards fund management, the difference in one or more commercial transactions performed during a first period. When a second period including a plurality of the first periods has elapsed, a first transfer period determining unit 209 determines that a transfer period, in which the cumulative amount of the differences for which consent for fund management has been obtained is transferred from a first account to a second account, has been reached. A transfer command process execution unit 210 executes a transfer command process commanding the transfer of the cumulative amount.

Description

Information processing apparatus, program, information processing system, and information processing method

The present invention relates to a technique for allowing a user to use funds.

There is a technology that allows users to use funds. For example, in Patent Document 1, data relating to change and a person who should receive this change is registered, and when the investment server receives information indicating that an investment is to be made from an ATM terminal or the like, the investment-related management company is based on this information. A technology is disclosed in which an investment-related management company side system performs a predetermined investment process by accessing a side system.

JP 2003-178194 A

In general, the user's fund management is performed after the user's consent is obtained and the funds in the user's account are transferred to another appropriate account (such as an investor's account). However, there is a fee for transferring funds between accounts, so it is desirable that funds be transferred as little as possible. However, if the amount to be moved increases, psychological resistance to the fund operation is likely to occur in the user.
Accordingly, an object of the present invention is to make it easy to obtain a user's consent for fund management while reducing the number of times of funds transfer.

In order to achieve the above object, the present invention provides an accumulation unit for accumulating an amount calculated based on a payment amount in a commercial transaction, and an amount accumulated for a plurality of commercial transactions performed before a predetermined period of time elapses. A transmission unit that transmits the money amount information to the user terminal, and a reception unit that receives, from the user terminal, the selected money amount information indicating the money amount selected to be used for fund management out of the money amount indicated by the transmitted money amount information. An information processing apparatus comprising: an execution unit that executes a process for instructing transfer of a cumulative amount of money indicated by the received selection amount information from the first account to the second account when the predetermined period has elapsed provide.

Further, the present invention calculates the user terminal for information indicating the payment amounts of a plurality of commercial transactions performed before execution of transfer between accounts of calculated amounts calculated based on the payment amounts in the commercial transaction or the plurality of commercial transactions. An information acquisition unit that acquires amount information indicating the calculated amount, and a selection as to whether or not the amount indicated by the acquired amount information is used for fund management for each commercial transaction performed before the execution of the transfer There is provided a program for causing an image to be received to function as an information display unit that displays an image before execution of the movement.

In addition, the present invention provides an accumulation unit that accumulates an amount calculated based on a payment amount in a commercial transaction, and the one or more commercial transactions performed before the expiration of the first period each time the first period elapses. An approval request unit that requests the user to approve the use of money for fund management, and at least one of a purchase target, a purchase destination, and a payment means is calculated among the amounts calculated based on the payment amount. Requests the user to approve the use of the amount of money for the commercial transaction as a commercial transaction satisfying a predetermined condition as a commercial transaction satisfying a predetermined condition, and selects 2 of the purchase target, purchase destination, or settlement means The amount of money calculated for a commercial transaction in which the above matters are the above-mentioned specific matters is used for fund management under favorable conditions compared to a commercial transaction that satisfies the predetermined condition other than the commercial transaction. When an approval request unit that requests the user to approve the application and a second period that includes a plurality of the first periods and has a predetermined length have elapsed, An information processing apparatus is provided that includes an execution unit that executes processing for instructing movement from a first account to a second account.

In addition, the present invention provides an accumulation unit that accumulates an amount calculated based on a payment amount in a commercial transaction, and the one or more commercial transactions performed before the expiration of the first period each time the first period elapses. An approval request unit that requests the user to approve the use of the amount for fund management, and requests the user to approve the appropriation of the amount for the commercial transaction that satisfies a predetermined condition among the amounts. And, if the transaction is conducted during a predetermined period, consent to use the amount calculated for the transaction for fund management under favorable conditions compared to the transaction conducted outside the period. And when the second period including a plurality of the first periods elapses, the first account from the first account of the accumulated amount of the amount obtained as the second account is obtained. An information processing apparatus comprising an execution unit for executing a process for instructing the movement of the.

In addition, the present invention provides the information processing apparatus, a display unit that displays the request when the information processing apparatus requests permission to allocate the money for fund management, and the request is displayed. Provided is an information processing system including a user terminal including a notification unit that notifies the information processing apparatus when an operation for accepting the fund operation is performed.

In addition, according to the present invention, the information processing device accumulates the amount calculated based on the payment amount in the commercial transaction, and the information processing device before the expiration of the first period every time the first period elapses. Requesting the user to approve the use of the amount of money in one or more commercial transactions performed for fund management, and among the amounts calculated based on the payment amount, Require users to approve the use of the above-mentioned amount of money for the transaction as a commercial transaction that satisfies a predetermined condition for a commercial transaction in which at least one of the items is a predetermined specific item. An amount calculated for a commercial transaction in which two or more items of the destination or the settlement means are the specific items is a quotient satisfying the predetermined condition other than the commercial transaction. A step of requesting the user to approve the use of funds for fund management under conditions more advantageous than the discount, and a second period in which the information processing apparatus includes a plurality of the first periods and has a predetermined length Then, there is provided an information processing method including a step of instructing a transfer from the first account to the second account of the accumulated amount of the amount for which the consent has been obtained.

According to the present invention, it is possible to make it easier to obtain the user's consent for fund management while reducing the number of times of funds transfer.

The figure showing the whole structure of the fund management support system which concerns on an Example. The figure showing the hardware constitutions of a household account book server apparatus and a fund management support server apparatus The figure showing the hardware constitutions of the user terminal Diagram showing functional configuration realized by fund management support system Diagram showing an example of accumulated difference A figure showing an example of the displayed consent request The figure showing an example of the history of the displayed difference The figure showing an example of the operation | movement procedure of each apparatus in an accumulation | storage process The figure showing an example of the operation procedure of each apparatus in operation support processing The figure showing the functional composition which a fund management support system of a modification realizes The figure showing functional composition which a user terminal of a modification realizes The figure showing an example of the functional structure which the money management support server apparatus of a modification implement | achieves The figure showing an example of the 1st threshold value table The figure showing an example of the 1st period table The figure showing an example of the 2nd period table The figure showing an example of the functional structure which the money management support system of a modification implement | achieves The figure showing an example of the difference accumulated in the modification A figure showing an example of the displayed consent request The figure showing an example of the functional structure which the money management support server apparatus of a modification implement | achieves

DESCRIPTION OF SYMBOLS 1 ... Fund management support system, 10 ... Household account book server apparatus, 101 ... Income information acquisition part, 102 ... Expenditure information acquisition part, 103 ... Household information storage part, 20 ... Fund management information server apparatus, 201 ... Payment amount acquisition part, 202 ... Difference calculation unit, 203 ... Difference acquisition unit, 204 ... Difference accumulation unit, 205 ... Request time determination unit, 206 ... Acceptance request unit, 207 ... Acceptance acceptance / reception unit, 208 ... Withdrawal reception unit, 209 ... Fund transfer timing determination 210: Movement instruction processing execution unit, 211 ... User related information acquisition unit, 212 ... User related information storage unit, 213 ... Commerce related information acquisition unit, 214 ... Difference determination unit, 215 ... Movement information notification unit, 30 ... User Terminal, 301 ... Receipt reading unit, 302 ... Expenditure information transmission unit, 303 ... Acceptance request display unit, 304 ... Acceptability accepting operation accepting unit, 305 ... Acceptance acceptability notifying unit, 306 ... History Radical 113, 307 ... withdraw the operation reception unit, 308 ... withdraw the notification unit.

Hereinafter, specific examples of the present invention will be described. However, the present invention can be variously modified and changed as long as it is included in the technical idea, and is limited to the following examples. is not.

[1] Embodiment FIG. 1 shows the overall configuration of a fund management support system 1 according to an embodiment. The fund management support system 1 is a system that supports the use of the change that occurs when a user pays money in a commercial transaction for fund management. The user here is a user who uses a fishing operation service that allocates fishing to fund management, and is a user registered in the fund management support system 1. The fund management support system 1 is operated mainly by a business entity that provides this change management service.

Fund management refers to the management of funds for the purpose of gaining profits. Specifically, stocks, FX (Foreign Exchange Exchange), bonds, investment trusts, real estate, futures, gold prices, deposits And foreign currency deposits.

Payment of money in commerce is, for example, payment made when purchasing a product at a store or the like, but in addition to this, purchase of a train ticket, payment of treatment costs at a hospital, payment of utility costs and communication costs. Monthly usage fee payments and installment payments such as mortgages are also included. It should be noted that payment for fund management performed independently by the user regardless of the change management service (for example, payment performed when the user independently purchases a financial product of a securities company) is also described in the above-mentioned “ It may be included in “payment”.

Among these payments, there are those that usually do not change due to payment in units of 1 yen by credit card, electronic money or by debiting from an account, but the fishing operation service also assumes that payment is also temporary It is assumed that it is provided to the user on the condition that the change expected to occur if cash is paid in units of 100 yen or 1000 yen is used for fund management.

The fund management support system 1 includes a network 2, a settlement proxy server 3, a bank server 4, a bank server 5, a fund management server device 6, a household account book server device 10, a fund management support server device 20, and a user A terminal 30. The network 2 is a communication system including a mobile communication network and the Internet, and mediates exchange of data between devices connected to the own system. Each device other than the user terminal 30 is connected to the network 2 by wired communication, and the user terminal 30 is connected by wireless communication. The connection with the network 2 may be either wired communication or wireless communication.

The settlement agency server 3 is a server that is operated by a settlement agency that performs settlement processing generated in transactions. The bank server 4 and the bank server 5 are servers that manage bank accounts (more specifically, manage money stored in the accounts), and perform deposit processing to the accounts and withdrawal processing from the accounts. In the present embodiment, the bank server 4 is a server that manages an account in which a user's available money is stored in a bank used by the user, and the bank server 5 is a bank used by the money management company as a money management company. It is assumed that the server manages the accounts of

“The user's available money” here refers to money that can be a source of funds used in the fishing operation service. The account in which the user's available money is stored is not limited to the account opened by the user. For example, an account to store the money paid by the user, which is used by securities companies, telecommunications carriers, electric power companies, gas companies, settlement agency companies, mail order companies, C2C (Consumer to Consumer) service companies, etc. There may be. Moreover, the account which has stored the money equivalent to the point which the provider which provides a service gave to the user may be sufficient.

ユ ー ザ If the user puts more money in the account than the payment amount by agreement with each business operator, the surplus money can be used for fund management. In those cases, the bank server of the bank that holds the account of the operator, or the server provided for managing the account by each operator is a server that manages the account in which the user's available money is stored. Used. The funds management server device 6 executes processing for managing funds in an account managed by the bank server 5 and processing for providing the money management support server device 20 with the actual operation status.

The household account book server device 10 is a device for accumulating user household information. The household information includes at least expenditure information indicating the expenditure of the user. The expenditure information is information indicating food expenses, clothing expenses, entertainment expenses, medical expenses, association expenses, education expenses, vehicle expenses, utility expenses, housing expenses, and the like. Strictly speaking, these expenditures include expenditures of those who share households with users such as family members, but in this embodiment, such expenditures are also regarded as user expenditures. The household account book server device 10 acquires such expenditure information from the user terminal 30 or a personal site provided by a financial institution (a site on which a transaction history using a user's account is posted. For example, an internet banking site )

The fund management support server device 20 is an information processing device that performs processing for providing a change management service to a user. The fund management support server device 20 obtained the processing for obtaining the expenditure information from the household account book server device 10, the processing for calculating the change, the processing for requesting the user to approve the change for the fund management, and the approval was obtained. Processing to transfer the same amount as change from the user's account to the account for fund management.

The user terminal 30 is a terminal device used by the user, such as a smartphone, a tablet terminal, or a personal computer. The user terminal 30 accepts operations for accessing the household account book server device 10 (user ID (Identification), password input operation), accepts user household information (especially expenditure information) input operations, and stores accumulated household information. Display, display of the request from the fund management support server device 20, acceptance of an operation for replying either acceptance or rejection to the request, notification processing of a reply result, and the like are performed.

FIG. 2 shows a hardware configuration of the household account book server device 10 and the fund management support server device 20. Each of these devices is a computer including a processor 11, a memory 12, a storage 13, a communication device 14, an input device 15, and an output device 16. The processor 11 controls the entire computer by operating an operating system. The processor 11 includes a central processing unit (CPU) including an interface with peripheral devices, a control device, an arithmetic device, a register, and the like.

The processor 11 reads programs (program codes), software modules, data, and the like from the storage 13 and the communication device 14 to the memory 12, and executes various processes according to these. The memory 12 is a computer-readable recording medium, such as a ROM (Read Only Memory), an EPROM (Erasable Programmable ROM), an EEPROM (Electrically Erasable Programmable ROM), a RAM (Random Access Memory), or the like.

The storage 13 is a computer-readable recording medium, such as a hard disk drive, a flexible disk, or a flash memory. The storage 13 may be called an auxiliary storage device. The communication device 14 is hardware (transmission / reception device) for performing communication between computers via a wired and / or wireless network, and is also referred to as, for example, a network device, a network controller, a network card, or a communication module.

The input device 15 is an input device (for example, a keyboard, a mouse, a microphone, a switch, a button, a sensor, etc.) that accepts an input from the outside. The output device 16 is an output device (for example, a display, a speaker, an LED lamp, or the like) that performs output to the outside. Note that the input device 15 and the output device 16 may have an integrated configuration (for example, a touch screen).

Note that a process that is autonomously and periodically executed without waiting for any physical input (a so-called batch process) may be replaced with this input, or the user terminal 30 may be positioning means such as GPS (Global Positioning System). In this case, the processing executed when a specific position is measured may be replaced with this input. In addition, a physical button connected to the wireless network may be used (for example, when the physical button is pressed, consent for devoting the accumulated change to fund management) is used. The hardware configuration described above may be provided with virtualized resources (such as when each server device is built on a cloud computing system).

FIG. 3 shows the hardware configuration of the user terminal 30. The user terminal 30 is a computer that includes a processor 31, a memory 32, a storage 33, a communication device 34, an input device 35, an output device 36, and an imaging device 37. The processor 31 to the output device 36 are the hardware common to the devices having the same names shown in FIG. The imaging device 37 includes a lens, an imaging element, and the like, and captures a surrounding person and a scene represented by light incident from the lens. The imaging device 37 supplies image data indicating the captured image to the processor 31.

The functions described below are realized by the processor of each device included in the money management support system 1 executing a program to control each unit.
FIG. 4 shows a functional configuration realized by the fund management support system 1. The household account book server device 10 includes an income information acquisition unit 101, an expenditure information acquisition unit 102, and a household information storage unit 103.

The money management support server device 20 includes a payment amount acquisition unit 201, a difference calculation unit 202, a difference acquisition unit 203, a difference accumulation unit 204, a request time determination unit 205, an approval request unit 206, and an approval / disapproval acceptance unit. 207, a withdrawal acceptance unit 208, a fund transfer time determination unit 209, and a transfer instruction process execution unit 210. The user terminal 30 includes a receipt reading unit 301, an expenditure information transmitting unit 302, an approval request display unit 303, an approval / disapproval operation receiving unit 304, an approval / disapproval notification unit 305, a history display unit 306, and a withdrawal operation receiving unit. 307 and a withdrawal notification unit 308.

The income information acquisition unit 101 of the household account book server device 10 acquires user income information. In this embodiment, the user registers in advance in the household account book server device 10 information (URL (Uniform 等 Resource Locator), user ID, password, etc.) used to access the personal site that posted the transaction history of the account.

On the personal site, transaction history such as transaction date, transaction type (card withdrawal, card deposit, transfer, withdrawal, etc.), customer and transaction amount is posted. The revenue information acquisition unit 101 reads the user's transaction history using the registered information, and determines items (such as “salary” and “bonus”) in the transaction history indicating payment as the user's revenue information. Get as. The income information acquisition unit 101 supplies the acquired income information to the household information storage unit 103 together with the user ID of the user.

This user ID is assigned by the fund management support system 1 and is usually different from the user ID for accessing the personal site and the user ID for accessing the household account book server device 10. However, a common user ID may be used when a business operator that provides a change operation service also operates the household account book server device 10 or when the user himself / herself determines a user ID.

The expenditure information acquisition unit 102 of the household account book server device 10 acquires user expenditure information. The expenditure information acquisition unit 102 reads, for example, a transaction history from the above-described personal site, and uses items determined in the transaction history indicating withdrawal (such as “withdrawal” and “transfer”) for the user's expenditure. Obtain as information. Moreover, the expenditure information acquisition part 102 acquires the information transmitted as follows from the user terminal 30 as expenditure information.

The receipt reading unit 301 of the user terminal 30 reads the expenditure information described in the receipt by photographing the receipt with the imaging unit (imaging device 37) of the own device. The receipt reading unit 301 stores in advance the pattern of the text included in the receipt (such as “receipt”, “total”, “deposit”, “change”, etc.), and recognizes the text in the photographed image. If those patterns are included, it is determined that the receipt is taken. Upon receipt of this determination, the receipt reading unit 301 reads the date / time, the product name, the price, the total price, the consumption tax amount, the payment amount, the change, and the like described in the photographed receipt as expenditure information. The receipt reading unit 301 supplies the read expenditure information to the expenditure information transmitting unit 302. Note that this image recognition process may be realized by transmitting image data to an external device and returning character information read by the external device to the user terminal 30.

The expenditure information transmission unit 302 stores the destination (IP (Internet Protocol) address or the like) of the household account book server device 10 and transmits the supplied expenditure information to the destination (that is, the household account book server device 10). The expenditure information acquisition unit 102 acquires the expenditure information read from the receipt thus transmitted. The expenditure information acquisition unit 102 supplies the expenditure information acquired as described above to the household information storage unit 103 together with the user ID of the user.

The household information storage unit 103 of the household account book server device 10 stores the income information and expenditure information acquired as described above as user household information. The household information accumulation unit 103 performs this accumulation by storing the supplied income information and expenditure information in association with the supplied user ID. The acquisition and accumulation of the income information and the expenditure information described above are performed periodically (for example, every day. When the user performs an operation of taking a receipt for the expenditure information), new household information is accumulated as much as possible. It is like that.

The payment amount acquisition unit 201 of the fund management support server device 20 acquires the payment amount from the storage device that stores the payment amount in the above-described commercial transaction. The payment amount in the commercial transaction is represented by the sum of the withdrawal amount indicated by the expenditure information and the sum of the price written on the receipt and the consumption tax amount. The payment acquisition part 201 requests | requires expenditure information from the household account book server apparatus 10 (memory | storage device in a present Example) which memorize | stores the expenditure information. Upon receiving this request, the household information storage unit 103 of the household account book server device 10 transmits the accumulated expenditure information and the user ID associated therewith to the fund management support server device 20.

At this time, the household information storage unit 103 transmits the expenditure information that has not been transmitted to the fund management support server device 20 until now (that is, the expenditure information newly accumulated after transmitting the previous expenditure information). The payment acquisition unit 201 receives the transmitted expenditure information and user ID, and acquires the payment paid by the user with the user ID at the time of the commercial transaction. The payment amount acquisition unit 201 supplies the expenditure information indicating the acquired payment amount to the difference calculation unit 202 in association with the corresponding user ID (the user ID of the user who paid the amount).

The difference calculation unit 202 calculates the difference between the payment amount acquired by the payment amount acquisition unit 201 and the amount obtained by rounding up the payment amount. The difference calculation unit 202 rounds up the payment amount by a unit (50 yen unit, 100 yen unit, 500 yen unit, 1000 yen unit, etc.) set when the user starts using the fishing operation service, for example. This round-up unit can be changed even after the start of the fishing operation service.

When the payment amount is 325 yen and the unit of 100 yen is set as the round-up unit, the difference calculation unit 202 obtains 75 yen obtained by subtracting 325 yen from 400 yen rounded up from 325 yen in units of 100 yen. Is calculated as the difference amount, and when the round-up unit is set to 50 yen, 25 yen obtained by subtracting 325 yen from 350 yen rounded up from 325 yen to 50 yen is calculated as the difference. The difference calculation unit 202 supplies the difference thus calculated to the difference acquisition unit 203 in association with the corresponding user ID (the user ID of the user who made the payment for which the difference is calculated) and the expenditure information.

The difference acquisition unit 203 acquires the difference between the payment amount in the commercial transaction and the amount obtained by rounding up the payment amount. In this embodiment, the difference acquisition unit 203 acquires the difference calculated by the difference acquisition unit 203. The difference acquisition unit 203 supplies the acquired difference to the difference accumulation unit 204 together with the user ID and expenditure information supplied in association with the difference. The difference accumulation unit 204 stores the difference acquired by the difference acquisition unit 203 in association with the corresponding user ID or the like. The difference accumulation unit 204 is an example of the “accumulation unit” in the present invention.

FIG. 5 shows an example of the accumulated difference. In the example of FIG. 5, the difference accumulation unit 204 stores a user ID, a payment date, a difference, a difference ID, and a status in association with each other. The payment date represents the date when the commercial transaction of the payment amount for which the difference is calculated is performed, and is indicated by the expenditure information. The difference ID is information for identifying each difference. The status represents a situation in which the consent is obtained or the situation is rejected when the user is requested to consent to use the accumulated difference for fund management.

Also, the status represents an unrequested situation where an acceptance request has not yet been made, or a moved situation where an account has been transferred after being accepted. In the example of FIG. 5, a situation where the payment date is 12/22 to 12/31 is “moved”, and a payment date is 1/1 to 1/7 is “rejected”. The difference between payment date 1/8 and 1/14 is associated with the status of “accepted”, and the difference between payment date 1/15 and 1/21 is associated with the status “unrequested”. Yes.

This consent request and account transfer will be explained in detail later. The operations from acquisition of the payment amount described above to accumulation of the difference amount are performed periodically (for example, every day), and the difference amount in the latest commercial transaction is accumulated as much as possible. In this embodiment, in order to make the explanation easy to understand, it is assumed that a difference in a commercial transaction performed on that day every day is acquired by the difference acquisition unit 203 and stored in the difference storage unit 204.

The request time determination unit 205 of the money management support server device 20 requests the above-described consent request, that is, a request time for requesting the user to approve the use of the difference accumulated in the difference accumulation unit 204 for fund management. It is determined whether or not. The request time determination unit 205 determines that the request time has come each time a first period determined from a reference date determined by a request-destination user who is a partner who requests consent.

In this embodiment, the first day of the month is determined as the reference date, and if the first period is one week or the last period at the end of the month is less than one week, the period combined with the previous week is the first period. And That is, the first period is one week or one week + a few days at the end of the month. In this way, every month includes four first periods. For example, in January, 1/1 (January 1) at the beginning of the month is the base date, from 1/1 to 1/7, from 1/8 to 1/14, from 1/15 to 1/21. Four first periods from 1/22 to 1/31 are determined.

The request time determination unit 205 determines that the request time has come when the next day after the first period has elapsed. For example, for the above four first periods, it is determined that the required time has come when 1/8, 1/15, 1/22 and 2/1. When the request time determination unit 205 determines that the request time has come, a difference whose status is “unrequested” among the differences accumulated in association with the user ID of the request-destination user is changed to the corresponding difference ID and payment date. At the same time, it is read from the difference accumulation unit 204 and supplied to the approval request unit 206 together with the user ID of the request destination user.

Whenever the first period elapses, the consent request unit 206 requests the user to approve the use of the difference in one or more commercial transactions made during the first period for fund management. For example, the consent request display unit 303 of the user terminal 30 transmits the user ID of the user who uses the own device to the money management support server device 20 when a program for realizing the own function is started or periodically. At the same time, the fund management support server device 20 is inquired whether there is an approval request to be displayed.

When the user ID supplied from the request time determination unit 205 matches the user ID transmitted from the user terminal 30, the consent request unit 206 uses the difference, difference ID, and payment date supplied together with the user ID. Then, for example, request data indicating a character string indicating that an approval is required for appropriating these differences for fund management, and the supplied difference ID, difference, and payment date are generated. The consent request unit 206 transmits the generated request data to the user terminal 30 that is the inquiry source. The consent requesting unit 206 sends the request data to the user terminal 30 to request the user to approve fund management.

As described above, in the present embodiment, a so-called pull-type approval request is made in which an inquiry from the user terminal 30 is received and an approval for fund management is required. Not limited to this, even when there is no inquiry from the user terminal 30, when the request time determination unit 205 determines that the first period has elapsed, the approval request unit 206 requests an approval for fund management. A so-called push-type consent request may be made.

The approval request display unit 303 of the user terminal 30 displays an approval request when requested by the fund management support server device 20 to approve the difference for fund management. The acceptance request display unit 303 is an example of the “display unit” in the present invention. Upon receiving the request data transmitted from the fund management support server device 20, the approval request display unit 303 uses the character string or the like indicated by the request data as an approval request from the fund management support server device 20 on the application screen or the web browser. Display on the screen.

FIG. 6 shows an example of the displayed consent request. In the example of FIG. 6, the acceptance request display unit 303 has selected the character string “Mr. A has proposed the following fishing fund management”, the payment date of the commercial transaction, the difference in the commercial transaction, and the selected A character string indicating the total amount of the difference (in this example, “1468 yen”) is displayed on the display of the output device 36 as an acceptance request A1. In addition, the acceptance request display unit 303 selects an acceptance button B1, “Reject selected”, a reject button B2, an all selection button B3, and a plurality of individual selection buttons B4 (“○” is selected. And “x” indicates that no selection is made).

The acceptance request display unit 303 supplies information indicating the display area of these buttons to the acceptance / rejection operation accepting unit 304. The acceptance / rejection operation accepting unit 304 accepts a user operation indicating acceptance / rejection of the acceptance request. The acceptance / rejection operation accepting unit 304 accepts an operation of tapping the acceptance button B1 (may be an operation of clicking with the mouse) as an operation for the user to accept the fund operation of the funds displayed as the total amount of the selected difference. The operation of tapping the reject button B2 is accepted as an operation in which the user rejects the fund operation.

Further, the acceptance / rejection operation accepting unit 304 accepts an operation of tapping the all selection button B3 as an operation of selecting all the differences as funds to be used for funds management, and an operation of tapping the individual selection button B4 to select each difference. Is accepted as an operation for switching the presence / absence of “(” is switched between “◯” and “×” each time it is tapped). The acceptance / rejection operation accepting unit 304 is an example of the “accepting unit” in the present invention. The acceptance / rejection operation accepting unit 304 supplies operation result information indicating the accepted operation result to the acceptance / rejection notification unit 305.

The operation result information is, for example, information indicating the difference ID of the selected difference, the difference ID of the difference not selected, and the total amount of the selected difference. When the reject button B2 is operated, even if there is a difference in the selected state, the difference ID of all the differences is shown as the difference ID of the difference not selected, and 0 as the total amount Operation result information indicating a circle is supplied to the approval / disapproval notification unit 305.

The approval / disapproval notification unit 305 notifies the money management support server device 20 of the operation result of the approval / disapproval operation reception unit 304. The approval / disapproval notification unit 305 stores in advance destination information (IP address or the like) indicating the destination of the fund management support server device 20. When the operation result information is supplied from the approval / disapproval operation accepting unit 304, the approval / disapproval notification unit 305 stores operation result data in which the supplied operation result information is associated with the user ID of the user of the own device. To the destination indicated by the destination information (that is, the fund management support server device 20).

The approval / disapproval notification unit 305 transmits the operation result data, so that when the approval request is displayed and the operation for accepting the fund operation is performed on the fund management support server device 20, the operation result data is displayed. If the operation of refusing the fund operation is performed, the fact that the fund operation of the total amount indicated by is approved is notified. The approval / disapproval notification unit 305 is an example of the “notification unit” in the present invention.

Also, the approval / disapproval notification unit 305 stores the operation result data and the transmission date and time of the operation result data in association with each other so that the history of the difference in which the fund operation has been accepted or rejected can be confirmed later. This operation result data is information indicating the funds allocated to the fund operation when the operation for accepting the fund operation is accepted. The approval / disapproval notification unit 305 is an example of the “storage unit” in the present invention.

The approval / disapproval notification unit 305 transmits, for example, the local time of the money management support server device 20 when receiving the operation result data (the date and time calculated based on the time difference from the world standard time, +9 hours in Japan). Store as date and time. Thereby, even when the user terminal 30 accesses the fund management support server device 20 from overseas, the transmission date and time is stored in Japan time.

The acceptability accepting unit 207 of the fund management support server device 20 accepts acceptability requested by the accept request unit 206. When the acceptance / rejection accepting unit 207 receives the operation result data transmitted from the user terminal 30, if the operation result data indicates a total amount of 1 yen or more, the money management by the total amount indicated by the operation result data Is accepted, and the operation result data indicates 0 yen as the total amount, it is accepted that the fund management has been refused.

The acceptance / rejection accepting unit 207 accepts the acceptance / rejection, and the difference accumulating unit 204 receives the user ID indicated by the operation result data and the status of the difference associated with the difference ID as per the acceptance / rejection. Instruct to change. Upon receiving this instruction, the difference accumulation unit 204 changes the status of the difference requested to be accepted from “unrequested” to “accepted” or “rejected” as instructed.

The history display unit 306 of the user terminal 30 displays a history of a difference in which fund management has been approved in the past. When the user performs an operation for displaying the history of the accepted difference, the history display unit 306 acquires the stored operation result data and the transmission date / time of the operation result data from the approval / disapproval notification unit 305. In this embodiment, it is assumed that an operation for displaying the history of the rejected difference is not prepared, and the history of the difference once rejected is not displayed. The history display unit 306 indicates the difference of the difference ID indicated by the acquired operation result data, the total amount of the difference, and the fund operation of the total amount has been approved in the past (operation result data transmission date and time). The character string is displayed as the difference history described above.

FIG. 7 shows an example of the displayed difference history. In the example of FIG. 6, the history display unit 306 selects the character string “I approves the following funds management for fishing” on 1/22, the payment date of the commercial transaction, the difference in the commercial transaction, and the selected A character string indicating the total amount of the difference (in this example, “1468 yen”) is displayed on the display of the output device 36 as the difference history C1. Further, the consent request display unit 303 displays a plurality of individual selection buttons B4, a change reflection button B5, and a consent withdrawal button B6.

The history display unit 306 supplies information indicating the display area of each button and the acquired operation result data to the withdrawal operation reception unit 307. The withdrawal operation accepting unit 307 accepts a user's withdrawal operation indicating withdrawal of the approval of fund management performed in the past. When the operation of tapping the withdrawal button B6 for acceptance is performed, the withdrawal operation reception unit 307 receives the operation as a withdrawal operation for withdrawing the consent for all the differences.

Further, the withdrawal operation accepting unit 307 accepts an operation of tapping the individual selection button B4 as an operation of switching the presence / absence of selection of each difference as in the example of FIG. The operation of tapping the change reflection button B5 after switching from “O” to “x” is accepted as a retraction operation to withdraw the consent for the difference. When any withdrawal operation is accepted, the withdrawal operation reception unit 307 supplies the withdrawal notification unit 308 with the difference ID of the difference whose consent has been withdrawn.

When the withdrawal ID is supplied from the withdrawal operation receiving unit 307, the withdrawal notifying unit 308 notifies the fund management support server device 20 that the approval of fund management has been withdrawn for the difference between the difference IDs. The withdrawal notification unit 308 performs this notification by transmitting withdrawal notification data indicating the supplied difference ID, that the consent has been withdrawn, and the user ID of the user of the own device to the fund management support server device 20.

The withdrawal acceptance unit 208 of the fund management support server device 20 accepts the withdrawal of the approval of the fund management notified from the withdrawal notification unit 308. The withdrawal receiving unit 208 is an example of the “receiving unit” in the present invention. When the withdrawal acceptance unit 208 receives the withdrawal notification data transmitted from the user terminal 30, the withdrawal acceptance unit 208 determines that the consent has been withdrawn, and the difference associated with the user ID and the difference ID indicated by the withdrawal notification data. The difference accumulation unit 204 is instructed to change the status of approval from acceptance to rejection. Upon receiving this instruction, the difference accumulation unit 204 changes the status of the difference from “accepted” to “rejected” as instructed.

The fund transfer time determination unit 209 of the fund management support server device 20 determines the transfer time when the accumulated amount of the difference obtained from the fund management approval is transferred from the first account to the second account. The first account is an account in which the user's funds are stored, for example, an ordinary account in the name of the user. Note that the first account is not limited to this, and may be an account (an account of a securities company, a communication company, a point service company, or the like) in which money that can be used by the user described above is stored. In this embodiment, the bank server 4 shown in FIG. 1 manages the money in the first account. The second account is an account for storing funds when performing the fund management approved by the user, for example, an account of a fund management company. In this embodiment, the bank server 5 shown in FIG. 1 manages the money in the second account.

The fund transfer time determination unit 209 determines the second period including a plurality of the first periods described above from the reference date described above (the date determined by the requesting user; determined based on the local time of the fund management support server device 20). When the time elapses, it is determined that it is time to move. In the present embodiment, as described above, the reference date and the first period are determined so that every month includes four first periods, and the period including these four first periods is set to the second period. It shall be determined as the period. In this way, each month from January to December becomes the second period.

The fund transfer time determination unit 209 determines that the funds transfer time has come when the period provided for the approval of funds management for the last first period has elapsed since the end of the second period. To do. For example, if the period for approval is 3 days, the fund transfer time determination unit 209 will end the second period at 1/31 and the next day after 3 days from 2/1 to 2/3 have passed. When it becomes 2/4, it is judged that it is time to transfer funds.

If the fund transfer time determination unit 209 determines that it is time to transfer funds, the difference accumulation unit, together with the difference ID, shows the difference accumulated in association with the user ID of the request-destination user along with the difference ID. The read difference amount and the difference ID are supplied to the movement instruction processing execution unit 210 together with the user ID of the request destination user.

When the second period described above has elapsed, the movement instruction process execution unit 210 executes a movement instruction process instructing the transfer of the accumulated difference amount obtained from the first account to the second account. To do. The movement instruction process execution unit 210 is an example of the “execution unit” in the present invention. The difference obtained here does not include the difference where the consent was withdrawn. That is, when the withdrawal is accepted by the withdrawal acceptance unit 208 before the migration instruction processing is executed after the consent is obtained, the movement instruction processing execution unit 210 calculates the difference from the accumulated amount from the accumulated amount. Decrease and execute the movement instruction process.

When the transfer instruction processing execution unit 210 is supplied with the difference and the difference ID for which the fund operation has been approved from the fund transfer timing determination unit 209, the transfer instruction process execution unit 210 calculates the total amount of the difference as a cumulative amount. The movement instruction process execution unit 210 performs a process of transmitting request data for requesting movement of the same amount as the calculated accumulated amount from the user's account to the account of the fund management company to the settlement proxy server 3 illustrated in FIG. Execute as instruction processing.

When the settlement proxy server 3 receives this request data, the bank server 4 managing the user's account receives the same amount as the accumulated amount from the user's account to the fund management company's account managed by the bank server 5. Request to move. Based on this request, the bank server 4 performs processing to transfer the same amount as the accumulated amount from the user's account to the account of the fund management company, and the bank server 5 performs processing of depositing the transferred amount to the account of the fund management company. This completes the transfer of funds.

The transmission destination of the request data, that is, the request destination of the transfer of funds between accounts may be the bank server 4 instead of the settlement proxy server 3, or settlement such as prepaid card, point exchange and mobile carrier settlement agency. It may be an institution. In short, as long as funds are transferred between accounts for fund management, the request destination may be anywhere. As a result, if the funds are transferred between the accounts, the transfer instruction processing execution unit 210 performs a transfer instruction process (transfer from the first account to the second account of the accumulated difference amount). The process may be executed as an instruction).

As described above, when the accumulated amount of the difference approved by the user is deposited in the account of the fund management company, the operation of the accumulated amount of the user's funds is started. When the movement instruction process execution unit 210 executes the movement instruction process, the movement instruction process execution unit 210 instructs the difference accumulation unit 204 to change the status associated with the difference ID of the difference for which the accumulated amount has been calculated to “moved”. Upon receiving this instruction, the difference accumulation unit 204 changes the status of the instructed difference ID to “moved”. As a result, once the difference has been devoted to fund management, it will not be required to approve again.

Based on the above configuration, each device provided in the fund management support system 1 stores an accumulation process for accumulating a difference between a payment amount and an amount obtained by rounding up the payment amount, and a user's approval of the accumulated difference amount. Performs operation support processing that supports devotion to fund management.
FIG. 8 shows an example of the operation procedure of each device in the accumulation process. This operation procedure is started, for example, when the user captures a receipt at the user terminal 30. First, the user terminal 30 (receipt reading unit 301) reads the expenditure information described in the receipt (step S11).

Next, the user terminal 30 (expenditure information transmission unit 302) transmits the read expenditure information to the household account book server device 10 (step S12). The household account book server device 10 (expenditure information acquisition unit 102) acquires the transmitted expenditure information of the user (step S13). Next, the household account book server device 10 (household information accumulation unit 103) accumulates the acquired expenditure information as user household information (step S14).

Next, the fund management support server device 20 (payment amount acquisition unit 201) requests the expenditure information from the household account book server device 10 that stores the expenditure information indicating the payment amount in the commercial transaction (step S21). When receiving this request, the household account book server device 10 (household information storage unit 103) reads out the accumulated expenditure information (step S22) and transmits it to the fund management support server device 20 (step S23). The money management support server device 20 (payment amount acquisition unit 201) acquires the payment amount indicated by the transmitted expenditure information (step S24).

Next, the fund management support server device 20 (difference calculation unit 202) calculates the difference between the acquired payment amount and the amount obtained by rounding up the payment amount (step S25). Subsequently, the fund management support server device 20 (difference acquisition unit 203) acquires the calculated difference (step S26). Next, the fund management support server device 20 (difference accumulation unit 204) accumulates the obtained difference in association with the corresponding user ID or the like (step S27).

FIG. 9 shows an example of the operation procedure of each device in the operation support process. This operation procedure is started at the timing of the above-described consent request. First, the fund management support server device 20 (request time determination unit 205) determines that it is time to make a request for approval (request time) when the above-described first period has passed and the next day is reached (required time). Step S31). Next, the fund management support server device 20 (consent request unit 206) requests the user to approve the use of the difference in one or more commercial transactions made during the first period for fund management (step S32).

The user terminal 30 (the consent request display unit 303) displays the consent request requested from the money management support server device 20 (step S33). Next, the user terminal 30 (acceptability operation accepting unit 304) accepts a user operation indicating acceptability of an acceptance request (step S34). Subsequently, the user terminal 30 (approval approval / disapproval notification unit 305) notifies the fund management support server device 20 of the operation result in step S34 (step S35).

The fund management support server device 20 (acceptance acceptability accepting unit 207) accepts acceptability requested in step S32 (step S36). Then, the fund management support server device 20 (difference accumulation unit 204) reflects whether the accepted approval is accepted or not in the accumulated difference status (step S37). Specifically, the fund management support server device 20 (difference accumulation unit 204) changes the status of the difference to “accepted” if it is approved, and changes the status of the difference to “reject” if it is rejected. change.

Thereafter, based on the display operation by the user, the user terminal 30 (history display unit 306) displays the history of the difference in which the fund management has been approved in the past (step S41). Next, the user terminal 30 (withdrawal operation acceptance unit 307) accepts a user's withdrawal operation indicating withdrawal of the displayed consent (step S42). Subsequently, the user terminal 30 (withdrawal notification unit 308) notifies the fund management support server device 20 that the approval of fund management has been withdrawn (step S43). The fund management support server device 20 (withdrawal accepting unit 208) accepts withdrawal of the fund management approval notified from the user terminal 30 (step S44).

Next, the fund management support server device 20 (difference accumulation unit 204) reflects the withdrawal of the accepted consent on the status of the accumulated difference (step S45). Specifically, the fund management support server device 20 (difference accumulation unit 204) changes the status of the difference whose consent has been withdrawn from “accepted” to “rejected”. After that, when a second period including a plurality of first periods has elapsed, the fund management support server device 20 (fund transfer timing determination unit 209) uses the accumulated amount of the difference obtained by the fund management consent to the first account. It is determined that it is time to move to the second account (step S51).

Next, the fund management support server device 20 (movement instruction processing execution unit 210) executes the above-described movement instruction process for instructing movement of the accumulated amount (step S52). Then, the fund management support server device 20 (the difference accumulation unit 204) reflects the fact that the transfer instruction process has been performed in the status of the accumulated difference (step S53). Specifically, the fund management support server device 20 (the difference accumulation unit 204) changes the status of the difference for which the transfer instruction process has been performed from “accepted” to “transferred”.

す る と A fee is charged when funds are transferred from an account after the transfer instruction process is executed, so it is desirable that the number of transfer instruction processes be smaller. On the other hand, when the amount of funds to be transferred increases, psychological resistance to fund operation is likely to occur in the user. In the present embodiment, an acceptance request is made each time the first period elapses, and the movement instruction process is executed when a second period including a plurality of first periods elapses. As a result, the number of transfers of funds is reduced compared to the case of transferring funds each time an approval request is made.

In addition, compared to the case where an approval request is made only when funds are transferred, the cumulative amount of the difference for making an approval request is kept low. As described above, according to the present embodiment, it is possible to easily obtain the user's consent for fund operation while reducing the number of times of funds transfer. Further, in this embodiment, since there is a time lag until the funds actually move after the approval request is made, the approval can be withdrawn when reconsidering the operation of the funds. In particular, the earlier one of the plurality of first periods included in the second period has a longer time lag, so that it is possible to take a longer time to reconsider the fund management.

[2] Modifications The above-described embodiments are merely examples of the present invention, and may be modified as follows. Moreover, you may implement an Example and each modification in combination as needed.

[2-1] Payment Amount Acquisition Method The payment amount acquisition unit 201 of the fund management support server device 20 may acquire the payment amount by a method different from the embodiment. The payment amount acquisition unit 201, for example, calculates the payment amount by the same method as the expenditure information acquisition unit 102 of the household account book server device 10 (a method of reading transaction history from a personal site and a method of acquiring the expenditure information described in the receipt). You may get it.

In addition to the household account book server device 10, the payment amount acquisition unit 201 is an electronic device such as a POS (Point Of Sale) system used by a store, a sales management system of a mail order business, a credit card, and electronic money. The payment amount may be acquired from a system that holds the user's payment amount, such as a payment system (assuming that the payment amount is agreed with the user and each business operator).

[2-2] Personal Site The personal site from which the user's income information and expenditure information is acquired is not limited to the site provided by the financial institution described above. In addition, the site where the usage history provided by the operator who develops the credit card service is posted, the site where the point history provided by the operator who develops the loyalty point service is posted, and the electronic money service are developed. Sites on which usage histories provided by businesses are posted, sites on which usage histories and point histories provided by businesses that develop aggregation services (services that aggregate and display information on different services) are posted, etc. May be used.

[2-3] Funds Management Options The consent request unit 206 may provide options for fund management methods when requesting the user to approve the difference fund management. For example, the consent request unit 206 provides a low-risk / low-return operation method, a high-risk / high-return operation method, and an operation method between the risk and return as options. In this case, the user performs an operation of selecting one of the operation method options in the case of accepting, in addition to the operation of accepting and rejecting the fund operation.

Also, the transfer instruction process execution unit 210 executes a process of transferring funds to an account of an operation company that provides the selected operation method as a transfer instruction process. Thereby, compared with the case where there is no choice of an operation method, the freedom degree of money management can be made high. Note that these options may not be changed unintentionally unless the user explicitly changes them. Thereby, it is possible to prevent the risk level in fund management from increasing without the user's knowledge.

[2-4] Procedures required for fund management To perform fund management, the user's funds are transferred from the user's account to an account specified by the management company. To that end, financial institutions specified by the management company Procedures such as opening an account may be required. Hereinafter, the procedure necessary for transferring the accumulated difference amount from the first account to the second account, which is the premise of fund management, is referred to as “management premise procedure”.

In the fund management support system 1, there is a time lag until the funds actually move after the approval request is made as described in the embodiment. Even if it is a difference amount, it may be possible to perform fund management using it after the operation prerequisite procedure is completed. In this modified example, the payment amount acquisition unit 201 acquires the payment amount in the commercial transaction performed before the operation prerequisite procedure is completed, and the difference calculation unit 202 calculates the difference from the acquired payment amount.

The difference acquisition unit 203 acquires the difference calculated in this way, that is, the difference in the commercial transaction performed before the operation prerequisite procedure is completed. When the difference acquisition unit 203 acquires the difference, the accumulated difference that is the target of the transfer instruction process includes the difference in the commercial transaction that was performed before the operation premise procedure was completed. If the operation prerequisite procedure is not completed even after the first period elapses, the consent request unit 206 makes the above-described approval request before the operation prerequisite procedure is completed.

On the other hand, the transfer instruction process execution unit 210 executes the transfer instruction process after the operation prerequisite procedure is completed because the funds cannot be transferred even if the transfer instruction process is executed before the operation prerequisite procedure is completed. . Specifically, for example, when the fund transfer time comes before the operation prerequisite procedure is completed, the transfer instruction process execution unit 210 performs a process of transmitting request data requesting the transfer of funds to the settlement proxy server 3. Run as.

However, since the operation prerequisite procedure has not been completed, for example, a necessary account has not been opened, the settlement proxy server 3 cannot complete the transfer of funds, and notifies the fund management support server device 20 to that effect. come. When receiving the notification, the movement instruction process execution unit 210 transmits the request data again after a certain period (for example, one day) has elapsed. When the transfer instruction process execution unit 210 retransmits the request data each time the notification is sent in this way, when the operation prerequisite procedure is completed, the funds are transferred based on the transmitted request data.

The movement instruction process execution unit 210 executes the movement instruction process after the operation prerequisite procedure is completed in this way. According to this modification, the difference in the commercial transaction performed before the operation prerequisite procedure is completed can also be used for the operation. Further, even before the operation prerequisite procedure is completed, it is possible to confirm the intention as to whether or not to allow the user to allocate the difference to the fund management.

[2-5] Accumulation time of difference In the embodiment, it is assumed that the difference in the commercial transaction performed on that day is acquired by the difference acquisition unit 203 and stored in the difference storage unit 204. However, the present invention is not limited to this. Some days may elapse from the time when the transaction is made until the difference in the transaction is accumulated. In that case, for example, it may happen that the acceptance request for the difference in the commercial transaction performed in the first period is made after the first period after the second.

In the embodiment, the consent requesting unit 206 requests the user to accept the difference in one or more commercial transactions made during the first period every time the first period elapses. Each time before the expiration of the first period (that is, a period including both the first period and the first period before it). The user is required to consent to use the difference in one or more commercial transactions made in (1) for fund management.

Here, “before the expiration of the first period” includes a second period prior to the current second period. That is, every time the first period elapses, the approval request is made for the fund management of the difference newly acquired by the difference acquisition unit 203 during the first period, and the transaction for which the difference is calculated. Any time may be used.

[2-6] Withdrawal of refusal In the embodiment, the fund operation once accepted can be withdrawn and rejected, but conversely, the once rejected fund operation may be withdrawn and accepted. In this case, for example, the history display unit 306 displays a history of the difference in which the fund operation has been rejected in the past, and the withdrawal operation reception unit 307 indicates the withdrawal operation of the user indicating the withdrawal of the refusal of the fund operation performed in the past. And the difference ID of the difference for which the refusal has been withdrawn is supplied to the withdrawal notifying unit 308.

Next, the withdrawal notification unit 308 notifies the fund management support server device 20 that the refusal of fund management has been withdrawn for the difference of the supplied difference ID, and the withdrawal reception unit 208 of the fund management support server device 20 The withdrawal of the notified refusal of fund management is accepted, and the difference accumulation unit 204 changes the status of the difference for which the refusal has been withdrawn from “rejected” to “accepted”. As a result, the transfer instruction process is executed for the accumulated amount including the difference in which the refusal has been withdrawn, which is used for fund management.

[2-7] Request for Re-approval of Rejected Difference In the embodiment, a request for approval was not made for a difference that was once refused to be used for fund management, but a request for approval may be made again. In this case, when the request time determination unit 205 of the fund management support server device 20 determines that the request time has come, the status among the differences accumulated in association with the user ID of the request-destination user is “unrequested” and What is “rejected” is read from the difference accumulation unit 204 together with the corresponding difference ID, and supplied to the approval request unit 206 together with the user ID of the request destination user.

The consent request unit 206 generates and transmits request data, for example, as in the embodiment. Since the total amount of the difference will naturally increase, the approval request unit 206 requests the approval separately for the total amount of the “unrequested” difference and the total amount of the “denied” difference. May be. In that case, the acceptance request display unit 303 of the user terminal 30 displays an acceptance button and a rejection button for each of the two total amounts so that the user can select acceptance and rejection for each. The movement instruction process execution unit 210 of the money management support server apparatus 20 executes the movement instruction process for the accumulated difference amount obtained by obtaining the fund management approval. According to this modification, it is possible to increase the opportunity to obtain permission for fund management.

[2-8] Re-request of consent at the time of funds transfer In the example, when it is time to transfer money, the transfer instruction process was executed after the request for consent was made for the difference in the last first period. Consent may be requested again for the difference in one period.

In this modified example, when the fund transfer time determination unit 209 determines that the funds transfer time has come, the difference ID of the difference whose status is “accepted” among the differences included in the payment period is the difference amount. The data is read out from the storage unit 204 and supplied to the approval request unit 206 together with the user ID of the requested user. The acceptance request unit 206 is a request that indicates a character string indicating that the acceptance of the use of the difference of the supplied difference ID for fund management is requested again, and the difference and payment date associated with the difference ID. Data is generated and transmitted to the user terminal 30.

The acceptance request display unit 303 of the user terminal 30 displays the difference indicated by the received request data, that is, the difference in which the payment date is included in the second period and the fund operation has been accepted in the past as in the example shown in FIG. Thus, the user can select whether to accept the fund management of all the differences again, reselect the accepted difference, or reject the fund management of all the differences. By requesting consent again when the second period elapses in this way, the user feels that his / her intention is respected and improves satisfaction compared to the case where this request is not made. Can be made.

[2-9] Fund Operation Status The fund operation status that the user has approved for fund management may be viewable on the user terminal. In this case, the fund management server device 6 provides the operation status of funds to the user terminal 30 via, for example, the fund operation support server device 20, and displays the operation status provided by the user terminal 30. The provided operational status includes, for example, the performance of the operational funds displayed in accordance with the daily stock price movement, the future fund formation projection when the operation is continued, daily transaction data, and the like.

[2-10] Apparatus for Implementing Each Unit The apparatus for realizing each function illustrated in FIG. 4 and the like is not limited to the apparatus illustrated in those drawings. For example, one device may realize each function provided in the household account book server device 10 and the fund management support server device 20, or may be realized by sharing these functions by three or more devices.

FIG. 10 shows an example of a functional configuration realized by the fund management support system of this modification. FIG. 10 shows a money management support system 1a including a household account book server device 10a and a money management support server device 20a. The household account book server device 10a includes a payment amount acquisition unit 201 and a difference calculation unit 202 in addition to the units illustrated in FIG. The fund management support server device 20 a includes units other than the payment acquisition unit 201 and the difference calculation unit 202 among the units illustrated in FIG. 4. In this case, the payment amount is acquired from the household information accumulated by the household account book server device 10a, and the difference is calculated. The money management support server device 20a acquires the difference calculated from the household account book server device 10a.

FIG. 11 shows an example of a functional configuration realized by the user terminal according to this modification. In FIG. 11, in addition to the units included in the user terminal 30 in FIG. 4, a user terminal 30b including the units included in the fund management support server device 20 is illustrated. In this case, the user terminal 30b is used as an information processing device that acquires the payment amount of the user who uses the device, and performs a request for acceptance, acceptance of acceptance / rejection, acceptance of withdrawal, movement instruction processing, etc. . In short, as long as these functions are realized as a whole of the money management support system, the money management support system may include any number of devices.

[2-11] First period and second period The first period is not limited to the above-described period (one week or one week + a few days at the end of the month). For example, the period may be shorter or longer than one week, or may always be a certain period. When the first period is made constant, the second period cannot be set to the period of each month as in the embodiment (because the number of days differs depending on the month). In this case, if the first period is set to one week, for example, the second period is determined such that four weeks is set as the second period.

Also, the first period may change according to the difference amount acquired. For example, the first period is a period in which the accumulated amount of the difference acquired by the difference acquisition unit 203 is less than the first threshold. In this case, the request time determination unit 205 calculates the accumulated amount by setting the accumulated amount to 0 at the start of the reference date and adding the difference every time the difference obtaining unit 203 obtains the difference. When the calculated accumulated amount is equal to or greater than the first threshold, the request time determination unit 205 sets the first period from the reference date to the previous day as the first period, that is, the accumulated amount is the first day. It is determined that the requested time has come on the day when the threshold value is 1 or more.

判断 By determining the request time in this way, the total amount of the difference requested for approval by the approval request unit 206 is less than the first threshold. As the first threshold value, an amount of money (for example, an amount investigated by a questionnaire or the like) that is assumed to be unlikely to cause psychological resistance to the fund operation may be used. By doing so, the user will always be required to approve fund management for an amount smaller than that amount, and the user's approval for fund management will be obtained as compared with the case where approval of a higher amount is required. It can be made easier.

Note that a different value may be used for each user as the first threshold. As parameters for that purpose, for example, profile information of registered users (gender, age, residence, hobbies, etc.) and operation status of funds provided from the fund management server device 6 (performance, fund formation projection, transaction data, etc.) Etc., user related information (information about the user) is used.

FIG. 12 shows an example of a functional configuration realized by the fund management support server device of this modification. In FIG. 12, in addition to the units included in the fund management support server device 20 in FIG. 4, a fund management support server device 20c including a user related information acquisition unit 211 and a user related information storage unit 212 is illustrated. The user-related information acquisition unit 211 acquires, for example, user profile information registered in the money management support system from the storage unit of the own device, and acquires the money management status from the money management server device 6 illustrated in FIG. . The user related information acquisition unit 211 supplies the acquired user related information to the user related information storage unit 212.

The user related information storage unit 212 stores the supplied user related information in association with the user ID of the user to which the information is related. When the request time determination unit 205 calculates a cumulative amount by adding a difference amount of a certain user acquired by the difference acquisition unit 203, the request time determination unit 205 displays the user-related information stored in association with the user ID of the user. Read from the storage unit 212. The requested time determination unit 205 determines that the first period has elapsed when the calculated accumulated amount is equal to or greater than the first threshold value corresponding to the read user-related information. This determination is made using, for example, a first threshold table in which user-related information is associated with a first threshold.

FIG. 13 shows an example of the first threshold value table. In FIG. 13, the user-related information is “less than A11”, “A11 or more and less than A12”, “A12 or more” (A11 <A12), “B11”, “B12”, “B13” (B11 <B12 < B13) is associated with the first threshold value. The request time determination unit 205 uses, for example, “B11” as the first threshold if the operation amount read as the user-related information is “less than A11”, and “B13” if the operation amount is “A12 or more”. Is used as the first threshold.

In the present modification, as described above, a value corresponding to the user-related information acquired by the user-related information acquisition unit 211 is used as the first threshold value. When the first threshold value table shown in FIG. 13 is used, the request time determination unit 205 uses a larger first threshold value for a user with a larger operating amount. In general, the user with a larger investment amount is more active in fund management, and the amount of money that can be easily approved for fund management tends to increase. On the other hand, as the first threshold value is decreased, the first period is shortened, and the approval request is frequently performed.

A user with a large operating amount tends to accept without hesitation if the frequency of the request is small, even if the amount of the request is increased, rather than receiving the request frequently. On the other hand, users with small operating amounts tend to be less likely to accept if the amount per transaction is larger, so it is easier to accept if the first period is shortened and the amount per operation is reduced, even if it is somewhat annoying. become. In this modified example, by using the above first threshold value, an approval request is made at a timing at which it is easy to accept each according to the user's operating amount. Therefore, compared to the case where the first threshold value is fixed, It is possible to make it easier to obtain approval for fund management.

In the example in which the length of the first period is determined by the accumulated amount described above, the second period is a period including, for example, a predetermined number of times of the first period. In that case, the first period and the second period become shorter as the accumulated amount increases earlier. In the above example, the second period may be a fixed period (when the second period ends, the first period also ends regardless of the accumulated amount at that time). In that case, as the accumulated amount increases earlier, the number of first periods included in the second period increases.

In any of the above examples, the second period includes a plurality of first periods. When the second period ends, the last first period also ends, and the next second period Is started at the same timing as the next first period. The first period and the second period may be determined in units of one day such as 7 days, or may be determined in any unit of time such as a week unit, a month unit, an hour unit, or a minute unit. .

Further, the first period and the second period may be made different for each user according to the above-described user related information. For example, the consent request unit 206 may make a consent request each time a period corresponding to the user-related information acquired by the user-related information acquisition unit 211 elapses as the first period. In this case, the request time determination unit 205 determines whether or not the first period has elapsed using, for example, a first period table in which user-related information is associated with the first period.

FIG. 14 shows an example of the first period table. In FIG. 14, the user-related information is “less than C11”, “C11 or more and less than C12”, “C12 or more” (C11 <C12), and “D11”, “D12”, “D13” (D11 <D12 < D13) is associated with the first period. The number of times of acceptance is the number of times fund management has been accepted so far in the fishing operation service. For example, if the number of consents read as user-related information is “less than C11”, the request time determination unit 205 uses “D11” as the first period, and if the number of consents is “C12 or more”, “D13 Is used as the first period.

Regarding the ease of approval of fund management, users with a large number of approvals are aggressive in fund management, so the same trend as users with a large amount of investment described above, and users with a low number of approvals are reluctant to fund management. Therefore, the same tendency as the above-mentioned user with a small operation amount is obtained. In this modified example, by using the first period described above, an acceptance request is made at a timing at which it is easy to accept each according to the number of times the user consents. Therefore, compared to the case where the first period is fixed, It is possible to make it easier to obtain the user's consent for fund management.

Further, for example, the movement instruction process execution unit 210 may execute the movement instruction process when a period corresponding to the user-related information acquired by the user-related information acquisition unit 211 elapses as the second period. In this case, the fund transfer time determination unit 209 determines whether or not the second period has elapsed using, for example, a second period table in which the user-related information and the second period are associated with each other.

FIG. 15 shows an example of the second period table. In FIG. 15, the user-related information includes the ages of “under 20s”, “30s, 40s”, “over 50s”, and “F11”, “F12”, “F13” (F11 <F12 <F13). The second period is associated. For example, if the user's age read as the user-related information is “20s”, the fund transfer time determination unit 209 uses “F11” as the second period, and if the age is “50s or more”. “F13” is used as the second period.

The longer the second period, the greater the amount of funds transferred from the account after the second period has elapsed. For this reason, users with higher income tend to be more aggressive in fund management. In terms of the ease of accepting fund management, users with a high age tend to be more aggressive in fund management because they have a large income, and tend to have the same tendency as users with a large investment amount as described above. Therefore, it tends to be reluctant to fund management and tends to be the same as the above-mentioned user with a small operation amount. In this modified example, by using the second period described above, an approval request is made at a timing at which each user can easily agree according to the user's age, so that the user can compare with the case where the second period is fixed. It is possible to make it easier to obtain approval for fund management.

Note that the user-related information (operation amount, number of acceptances, age) used as the parameters described in the examples of FIGS. 13, 14, and 15 is not limited to these, but other user-related information (profit amount, profit rate, Refusal times, occupations, etc.) may be used. In either case, the use of user-related information that correlates with the aggressiveness of fund management makes it possible to make an acceptance request at a timing that is easy to accept according to the user's aggressiveness, so each period is fixed. Compared to the case, it is possible to make it easier to obtain the user's consent for fund management.

Also, the fund management approval rate when using the first threshold, the first period, and the second period according to the user-related information (for example, the ratio of the number of differences approved for fund management out of the total difference) ), And the acceptance rate is lower than the target value, the correlation with the user-related information may be changed. For example, in the example of FIG. 13, when the acquired acceptance rate is lower than the target value, the request time determination unit 205 increases or decreases the values of A11 and A12 that are thresholds of the operation amount, Find the value when the acceptance rate is higher than the target value. In addition, the value of the first threshold value may be changed instead of the operating amount threshold value, or both of these values may be changed. The same applies when the request time determination unit 205 obtains each value shown in FIG. 14 and when the fund transfer time judgment unit 209 obtains each value shown in FIG.

Also, as the first period, a period that expires when the user terminal 30 starts the program may be used. The user terminal 30 may start the program by a user operation, or may start the program when the main body is turned on. A program here is a program for implement | achieving each part shown in FIG. 4, for example, is an application program which the provider who provides a fishing operation service provides. In this case, when the user terminal 30 starts the program, the user terminal 30 notifies the fund management support server device 20 to that effect. Upon receiving this notification, the request time determination unit 205 of the fund management support server device 20 determines that the first period has expired and it is time to make an acceptance request. In this way, the consent request unit 206 requests the user for consent every time the user terminal 30 starts the program, that is, every time the first period elapses.

[2-12] Received Amount In the embodiment, the difference between the amount (payment amount) when the user paid the money and the amount rounded up is the target of the fund management. The difference (so-called fraction) between the amount received when the user receives money and the amount deducted from the amount may be set as the target of fund management. The money received by the user includes, for example, the user's salary, the dividend of stock held by the user, and the rent of the real estate owned by the user.

In this case, the difference acquisition unit 203 acquires the difference between the received amount received by the user and the amount obtained by rounding down the received amount. Each time the first period elapses, the approval request unit 206 requests the user to approve the use of the difference in one or more received amounts received before the expiration of the first period for fund management. Thereafter, like in the embodiment, acceptance / non-acceptance and movement instruction processing are performed. In this modification, the money received by the user can be used for fund management by using the difference from the devaluation amount.

[2-13] Amount to be acquired In each of the above examples, the difference acquisition unit 203 acquires the difference from the round-up amount for the payment amount and the difference from the devaluation amount for the receipt amount. Absent. The difference acquisition unit 203 may acquire the difference between the payment amount and the devaluation amount, or may acquire the difference between the receipt amount and the round-up amount. Further, the difference acquisition unit 203 may acquire an amount obtained by multiplying the payment amount or the reception amount by a specific value (for example, 3%).

Further, the difference acquisition unit 203 may acquire the difference between the target value set by the user for the payment amount of the specific expenditure item and the payment amount. In this case, for example, the user sets target values such as monthly electricity bills and living expenses. The difference acquisition unit 203 acquires the difference between the target value and the payment amount when the payment amount of the expenditure item for which the target value is set falls below the target value. As a result, the amount of funds to be managed increases as the user saves, but no amount of expenditure exceeding the target value occurs for the above-mentioned expenditure items, regardless of how much the operation funds increase. As a result, the user can perform the fund management without worrying that an unexpected expenditure will occur for the fund operation.

Further, the difference acquisition unit 203 may acquire the difference between the target value set by the user for the received amount of the specific income item and the received amount. In this case, the user sets target values such as monthly income (which fluctuates due to overtime, etc.) and stock dividends. The difference acquisition unit 203 acquires the difference between the target value and the payment amount when the received amount of the income item for which the target value is set exceeds the target value. Thereby, the user can perform fund management after securing the income corresponding to the target value.

In short, whether the difference acquisition unit 203 acquires an amount (difference from round-up amount, difference from round-down amount, amount multiplied by a specific value, difference from target value, etc.) calculated based on the payment amount in commerce. If the amount is calculated based on the received amount received by the user (this is also the difference from the round-up amount, the difference from the devaluation amount, the amount multiplied by a specific value, the difference from the target value, etc.) Good.

[2-13] Narrowing of Differences In the embodiment, the approval of fund management is requested for all the differences calculated based on the payment made by the user, but this is not restrictive. For example, it may be narrowed down to the difference when products are purchased at a specific store. Further, the difference may be narrowed down to a difference when a specific payment method is used, or may be narrowed down to a difference when a specific product is purchased.

FIG. 16 shows an example of a functional configuration realized by the fund management support server device 20d of this modification. The fund management support server device 20d includes a commercial transaction related information acquisition unit 213 and a difference determination unit 214 in addition to the units illustrated in FIG. In this modification, the household information storage unit 103 of the household account book server device 10 includes a store name (such as the name of a chain store) and a name of a settlement method used for purchase (such as the name of a credit card company or electronic money). Accumulate spending information. The store name is information indicating the purchase destination of the product purchased in the commercial transaction, and the name of the settlement method is information indicating the settlement means used in the commercial transaction.

The household account book server device 10 acquires the store name and the name of the settlement method from the above-described personal site or the user terminal 30 that has read the information from the receipt. In addition, when the store name and the name of the settlement method cannot be acquired by these methods, the household account book server device 10 uses, for example, a store name from a POS system used in the store or an electronic settlement system of a provider providing a settlement service. Or the name of the settlement method. As described in the embodiment, the payment amount acquisition unit 201 receives the payment information and the user ID from the household account book server device 10 to acquire the payment amount paid by the user with the user ID during the commercial transaction. The payment amount acquisition unit 201 supplies the received expenditure information and user ID to the commercial transaction related information acquisition unit 213.

The commercial transaction related information acquisition unit 213 has a function of acquiring information related to the user's commercial transaction, and acquires, for example, the name of the purchaser and the settlement method described above as the related information of the commercial transaction. The business transaction related information acquisition unit 213 receives the expenditure information and the user ID from the payment amount acquisition unit 201, so that the store name and the name of the settlement method indicated by the expenditure information are purchased in the commercial transaction performed by the user of the user ID. And as a settlement means. The commercial transaction related information acquisition unit 213 supplies the expenditure information indicating the acquired related information of the commercial transaction to the difference determination unit 214 together with the corresponding user ID. The difference determination unit 214 is also supplied with the acquired difference and the corresponding user ID and expenditure information from the difference acquisition unit 203.

The difference determination unit 214 determines a difference for a commercial transaction that satisfies a predetermined condition among the differences calculated based on the payment amount by the difference calculation unit 202. The difference determining unit 214 determines that the commercial transaction satisfies a predetermined condition when at least one item of the purchaser or the settlement means in the commercial transaction is a predetermined specific item. In the present modification, for example, it is assumed that the store operated by the operator α is a specific purchaser, and the payment service provided by the operator β is a specific payment means.

When the difference is supplied, the difference discriminating unit 214 stores the name of the store and the name of the settlement method indicated by the related information of the commercial transaction supplied in association with the same user ID as the difference or the name of the store operated by the business operator α. If it is the name of the settlement service provided by the operator β, it is determined that the difference is a difference for a commercial transaction that satisfies a predetermined condition. Otherwise, the difference is not a difference for a commercial transaction that satisfies the predetermined condition. Determine. The difference determination unit 214 supplies the supplied difference, user ID, and expenditure information to the difference accumulation unit 204 together with the determination result.

The difference accumulation unit 204 stores the difference, the user ID, and the determination result supplied from the difference determination unit 214 in association with the payment date indicated by the difference ID and the expenditure information supplied together with the difference ID.
FIG. 17 shows an example of the difference accumulated in the present modification. In the example of FIG. 17, the difference accumulation unit 204 stores a user ID, a payment date, a difference, a difference ID, an operation target flag, and a status in association with each other.

The operation target flag is information indicating a determination result by the difference determination unit 214. In this example, the difference determined to be the difference for the commercial transaction that satisfies the predetermined condition is associated with the operation target flag “target”, and the difference determined not to be the difference for the commercial transaction that satisfies the predetermined condition. Is associated with an operation target flag “not applicable”. The operation target flag of “Target” means that the user's consent is obtained (or the approval has already been obtained), and the operation target flag of “Not applicable” The difference means that it is not a target of operation and that the user is not required to consent.

The difference accumulation unit 204 stores the status as “non-target” for the difference whose operation target flag is “non-target”. When the request time determination unit 205 determines that the request time has come, the difference amount accumulated in association with the user ID of the request-destination user is read out in the same manner as in the embodiment. To the consent request unit 206. At this time, the difference whose status is “not applicable” is not read out. Therefore, only the difference whose status is “unrequested” among the differences whose operation target flag is “target” is read by the request time determination unit 205 and supplied to the approval request unit 206.

The consent request unit 206 requests the user to approve the use of the supplied difference for fund management. That is, the consent requesting unit 206 requests the user to approve the use of the difference for the commercial transaction that satisfies a predetermined condition among the differences calculated based on the payment amount, for fund management. Specifically, the consent requesting unit 206 calculates the difference calculated based on the payment amount of the commercial transaction in which at least one item of the purchaser or the settlement method is a predetermined specific item, As a difference for, a request for acceptance of the difference is made.

As described above, in this modification, not the total difference calculated based on the payment made by the user, but the difference between the payment for purchasing the product at a specific purchaser and the difference between the payment using a specific settlement method. It is necessary to narrow down to and to approve fund management. As a result, the user is motivated to use the specific purchaser and payment method, and the specific purchaser and payment method can be used more easily than when the consent is requested for all the differences. Can do.

Note that the predetermined conditions are not limited to the above. For example, the difference determination unit 214 may determine that the commercial transaction satisfies a predetermined condition when the purchase target in the commercial transaction is a predetermined specific product. The specific product referred to here may be an individual product or a product group provided by a specific business operator. Hereinafter, the product provided by the operator γ is assumed to be a specific product. In this case, for example, based on the product name indicated by the expenditure information, it is determined whether or not the purchase target is a predetermined specific product. When this determination is made, it is possible to make it easier to purchase a specific product as compared to a case where approval is requested for all the differences.

Further, the difference determination unit 214 may use only one of the items of the purchaser, the settlement method, and the purchase target in the commercial transaction for the determination of the predetermined condition, or two or more items You may use for judgment of conditions. In addition, when the household account book server device 10 does not store the spending information indicating the store name or the settlement method name, the commercial transaction related information acquisition unit 213 provides, for example, a POS system or settlement service used in the store. What is necessary is just to acquire the name of the store where each user's commercial transaction and the name of the payment method are related to the user's commercial transaction from the electronic payment system of the business operator.

In the example of FIG. 16, the difference for the commercial transaction that satisfies the predetermined condition is determined. However, the present invention is not limited to this. For example, the payment acquisition unit 201 acquires only the payment amount for the commercial transaction that satisfies the predetermined condition. May be. For example, the payment acquisition unit 201 may determine, based on the received expenditure information, whether or not a commercial transaction for which payment indicated by the expenditure information satisfies a predetermined condition, as with the difference determination unit 214. . In this case, the difference accumulation unit 204 accumulates only the difference for which the commercial transaction satisfies a predetermined condition.

As a result, the consent requesting unit 206 requests the user to approve the use of the difference for the commercial transaction that satisfies a predetermined condition among the differences calculated based on the payment amount, as in the above example. It will be. In short, whether or not the commercial transaction satisfies the predetermined condition if the approval requesting unit 206 ultimately requires the user to approve the difference between the commercial transaction satisfying the predetermined condition for fund management. The decision may be made anywhere.

[2-14] Operation under favorable conditions When the above-mentioned difference is narrowed down, if an additional condition is satisfied, fund management under an advantageous condition is presented to the user when the additional condition is not satisfied. May be. As the additional condition, for example, a condition that is satisfied when a commercial transaction is performed in a predetermined period is used.

In this modification, for example, a business operator (a business operator that operates a store, a business operator that provides a settlement service, etc.) related to the above-described specific items (a specific purchase destination, a specific payment method, a specific purchase target) in a commercial transaction, A company that provides products, etc.) defines a specific period as a campaign period. In such a case where a specific period is set for a specific matter, the consent requesting unit 206 determines that a commercial transaction related to the specific item is performed during a specific period set for the specific item. Asks the user for consent to use the difference for fund management under favorable conditions compared to when a commercial transaction is conducted outside that period.

The commercial transaction related to the specific matter mentioned here is a commercial transaction performed at a specific purchase destination, a commercial transaction using a specific settlement method, or a commercial transaction in which a specific purchase target is purchased. Fund management under favorable conditions includes, for example, discounting fees for fund management, increasing funds used, utilizing financial products with a rating higher than a specific level, shortening procedures, and easing procedure deadlines. This refers to fund management performed by applying conditions that allow the user to obtain financial or temporal benefits. When the above-mentioned commercial transaction is performed during a specific period, the acceptance request unit 206 receives request data indicating a character string indicating that the difference is allocated to fund management under advantageous conditions, and the difference ID, the difference, and the payment date. It is generated and transmitted to the user terminal 30.

FIG. 18 shows an example of the displayed acceptance request. In the example of FIG. 18, the acceptance request display unit 303 displays the “total amount” of the selected difference (1183 yen in this example), “campaign target amount” (423 yen in this example), and “campaign target amount”. Is displayed as an acceptance request A21 indicated by the request data. In addition, the acceptance request display unit 303 displays a selection button B7 in which “select all campaign targets” is written in addition to the all selection button B3.

When the operation of pressing the selection button B7 is performed, if there are any items that are not selected among the “Campaign target amount”, they are selected. By displaying the selection button B7, the selection of the campaign target amount is eliminated. In this modification, by displaying the consent request A21 in this way, the user is required to consent to use the difference for fund management under the advantageous conditions described above. Thereby, compared with the case where this request | requirement is not performed, the motivation which performs money management more actively can be produced to a user, and the commercial transaction relevant to the specific matter mentioned above can be increased.

It should be noted that the specific period is not limited to a specific item (for example, a specific store or a specific settlement method). For example, the consent requesting unit 206 is advantageous in that the amount calculated for a commercial transaction when a commercial transaction satisfying a predetermined condition is performed during a predetermined period, as compared to the commercial transaction performed outside the predetermined period. The user may be required to consent to use the funds for conditions. In this case, if a predetermined condition is satisfied using either a specific store or a specific settlement means in a predetermined period, it is possible to perform fund management under an advantageous condition.

The additional conditions are not limited to the specific period described above. The approval request unit 206 calculates the amount calculated for the commercial transaction in which two or more items among the purchase target, purchase destination, and settlement method described above are the specific items described above, that is, a commercial transaction that satisfies a predetermined condition other than the commercial transaction (that is, The user may be required to approve the use of funds for fund management under conditions that are advantageous compared to commercial transactions in which only one item is a specific item. Specifically, the consent requesting unit 206 purchases a product using a payment service provided by the operator β, which is a specific payment method, at a store operated by the operator α, which is a specific purchase destination, for example. In some cases, the user is required to consent to use the difference calculated for the commercial transaction for fund management under favorable conditions.

In addition, the consent request unit 206 may be used when a user purchases a product provided by a business γ that is a specific product at a store operated by the business α that is a specific purchase destination, or by a specific settlement method. When purchasing a product provided by an operator γ, which is a specific product, using a payment service provided by a certain operator β, the difference calculated for those commercial transactions will be used for fund management under favorable conditions. Require user consent. Thereby, compared with the case where this request | requirement is not performed, the motivation which performs money management more actively can be produced in a user, and the commercial transaction relevant to two or more specific matters can be increased.

[2-15] Difference Collection Method In the embodiment, the movement instruction processing execution unit 210 executes the movement instruction processing, whereby the accumulated amount of the difference obtained by the consent is collected from the first account, and the second Although moved to an account, the method of collecting the accumulated difference is not limited to this. For example, the accumulated amount of the difference may be collected by entrusting the collection from the user to a business operator. The business that collects money is a business that collects money from users in its main business, such as a telecommunications carrier, a power company, a credit card company, and an insurance company.

FIG. 19 shows an example of a functional configuration realized by the fund management support server device 20e of this modification. The money management support server device 20e includes a collection information notification unit 215 instead of the movement instruction process execution unit 210 shown in FIG. Similar to the movement instruction processing execution unit 210, the collection information notification unit 215 calculates the accumulated amount of the difference when a second period including a plurality of first periods has elapsed. The collection information notification unit 215 generates information indicating the calculated accumulated amount as collection information indicating the amount of money collected (withdrawn) from the user's account.

The collection information notifying unit 215 transmits the generated collection information to a destination determined for a collection agent that has been stored in advance. This destination may be a collection processing apparatus that performs a process for collecting money operated by the agency, or may be an apparatus that is an interface with the outside of the system including the collection processing apparatus. The collection information transmitted to this destination is received by the collection processing device, and the collection processing device performs a process of deducting the accumulated amount of the difference from the user's account.

In this modification, it is assumed that the collection service provider collects regular business (for example, every month) like the above-mentioned communication service provider or electric power company. Therefore, the money collection processing device performs a process of withdrawing from the user's account an amount obtained by adding the accumulated amount of the difference to the amount collected in the main business. The money collection processing apparatus first moves the amount withdrawn to the account of the business operator that operates the money collection processing apparatus. Subsequently, the collection processing apparatus performs a process of moving (transferring) the accumulated difference amount from the business operator's account to the account of the fund management company. By these processes, the accumulated difference amount is transferred from the account of each user to the account of the fund management company.

In the present modification, as described above, when the collection period information notification unit 215 has passed the second period including a plurality of first periods, the accumulated amount of the difference obtained by the user is collected, and the accumulated amount is collected. Notify the business operator. The collection information notification unit 215 is an example of the “notification unit” in the present invention. When the accumulated amount is transferred from the first account in which each user's funds are stored to the second account (accounting company account) as in the embodiment, the account transfer fee is the same as the number of the first account. appear.

On the other hand, in this modification, when the business operator that collects money is a business operator that regularly collects money from the user, such as a telecommunications carrier or electric power company, it accumulates in the amount of money collected as described above. You collect money by adding the amount. In that case, for the business operator who collects money, the fee generated when the accumulated amount is withdrawn from the user's account does not change, and only the transfer fee from the own account to the account of the fund management company is newly generated.

Therefore, compared to the case where there is a fee for moving the account by the number of first accounts, the fee paid to the bank is greatly reduced, so if you pay the agency fee to the collection agency within the reduced fee range, Costs related to fishing operation services can be reduced. In this modification, an account of a business operator who collects money is stored with a cumulative amount collected from the user, that is, the above-described money available to the user. That is, the bank server that manages this account corresponds to the bank server 4 shown in FIG.

Therefore, the movement instruction processing execution unit 210 uses, for example, the above-described collection processing apparatus as a first account for an account of a business operator that performs collection, and a second account for an account of a fund management company. You may perform the movement instruction | indication process which instruct | indicates the movement to the 2nd account from an account. Upon receipt of this instruction, the collection processing device deducts the accumulated amount transferred from the first account to the second account from the user's account, moves it to the operator's account that is the first account, and then accumulates the accumulated amount. A process of transferring the amount to the second account is performed. Whether the notification by the collection information notification unit 215 or the movement instruction process execution unit 210 performs the movement instruction process may be selected as long as the system on the business operator side that collects money is easier to process.

[2-16] Category of the Invention The present invention is an information processing system such as a fund management support system provided with these devices in addition to information processing devices such as a fund management support server device, a user terminal, and a household account book server device. Can also be caught. The present invention can also be understood as an information processing method for realizing processing performed by each device. In this case, the information processing apparatus that is a main body for realizing each process may be divided into a plurality of pieces. It can also be understood as a program for causing a computer that controls each device to function. This program may be provided in the form of a recording medium such as an optical disk in which it is stored, or may be provided in the form of being downloaded to a computer via a network such as the Internet, installed and made available for use. May be.

Claims (6)

An accumulator that accumulates the amount calculated based on the payment amount in the commercial transaction;
A transmission unit that transmits to the user terminal money amount information each indicating the amount of money accumulated for a plurality of commercial transactions performed before a predetermined period of time;
A receiving unit that receives, from the user terminal, selected amount information indicating an amount selected when it is applied to fund management out of the amount indicated by the transmitted amount information;
An information processing apparatus comprising: an execution unit that executes a process of instructing transfer of a cumulative amount of money indicated by the received selected money amount information from the first account to the second account when the predetermined period has elapsed. User terminal
Information indicating the payment amounts of a plurality of commercial transactions performed before execution of transfer between accounts of calculated amounts calculated based on the payment amounts in commercial transactions, or amount information indicating the calculated amounts calculated for the plurality of commercial transactions, respectively An information acquisition unit for acquiring
Function as an information display unit that displays an image for accepting selection for whether or not to use the amount indicated by the acquired amount information for fund management for each commercial transaction performed before the transfer is performed. Program to let you. An accumulator that accumulates the amount calculated based on the payment amount in the commercial transaction;
An approval request unit for requesting the user to approve the use of the amount in one or more commercial transactions made before the expiration of the first period for fund management each time the first period elapses; Of the amount calculated based on the amount of payment, the commercial transaction in which at least one item of the purchase target, purchase destination, or settlement method is a predetermined specific item is regarded as a commercial transaction satisfying a predetermined condition. Requests the user to approve the use of the amount for fund management, and calculates the amount calculated for the commercial transaction in which two or more items of the purchase target, purchase destination, or settlement method are the specific items. An approval request unit that requests the user to approve the use of funds under favorable conditions compared to a commercial transaction that satisfies a predetermined condition;
When a second period including a plurality of the first periods and having a predetermined length has elapsed, an instruction is given to transfer the accumulated amount of the approved amount from the first account to the second account. An information processing apparatus comprising: an execution unit that executes processing. An accumulator that accumulates the amount calculated based on the payment amount in the commercial transaction;
An approval request unit that requests the user to approve the use of the amount in one or more commercial transactions made before the expiration of the first period for fund management each time the first period elapses; If the user is requested to approve the use of the above-mentioned amount for a commercial transaction that satisfies a predetermined amount of money for fund management, and the commercial transaction is performed during a predetermined period, the calculation is performed for the commercial transaction. An authorization requesting unit that requests the user to approve the use of funds for fund management under favorable conditions compared to commercial transactions conducted outside the period,
An execution unit that executes a process of instructing transfer of the accumulated amount of the amount obtained from the first account to the second account when a second period including a plurality of the first periods elapses; An information processing apparatus comprising: An information processing apparatus according to claim 4,
A display unit that displays the request when the information processing device requests an approval to allocate the amount to the fund operation, and an operation that displays the request and accepts the fund operation. An information processing system comprising: a user terminal including a notification unit that notifies the information processing apparatus to that effect. A step in which the information processing apparatus accumulates an amount calculated based on a payment amount in a commercial transaction;
The information processing apparatus is a step of requesting the user to approve the use of the amount in one or more commercial transactions performed before the expiration of the first period for fund management every time the first period elapses. Of the amount calculated based on the payment amount, a commercial transaction in which at least one of the purchase target, purchase destination, or payment method is a predetermined specific item is regarded as a commercial transaction satisfying a predetermined condition. Requesting the user to approve the use of the above-mentioned amount for fund management, and the amount calculated for the commercial transaction in which two or more items of the purchase target, purchase destination, or settlement method are the specific items, Requesting the user to approve the use of funds for fund management under favorable conditions as compared to a commercial transaction that satisfies the predetermined condition other than
When the information processing apparatus includes a plurality of the first periods and a second period in which the length is determined in advance, the cumulative amount of the amount for which the consent has been obtained is changed from the first account to the second account. An information processing method comprising the step of executing a process for instructing movement.

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