JP5922197B2 - Household account book creation system and household account book creation method - Google Patents

Description

  The present invention relates to a household account book creation system and a household account book creation method.

  It has been a long time since credit cards became popular. In recent years, the use of credit cards for small payments has been increasing, and a cashless society has been achieved. Some believe that all payments are made by credit card.

  Credit card companies provide credit card users (hereinafter referred to as “members”) with services such as redemption of points for credit card usage to promote credit card usage. By promoting the use of such a credit card, the member further uses the credit card.

JP 2006-209252 A

  By the way, the credit card has a demerit that it is difficult to manage spending due to the property that payment can be made without using cash. In order to manage daily expenditures including credit card payments, it is most common to create a household account book in ordinary households, but this work is time consuming and often does not last long. Therefore, managing credit card payments in the household account book would be an impediment to continuing to keep the household account book.

  Credit card companies have detailed history information for credit card payments, and it is conceivable to create a household account book using such information, but there are the following problems.

  The above-described detailed history information does not include information on the product name of the product purchased by the member, but has only information such as the name of the store using the credit card (hereinafter referred to as “member store”) and the settlement amount. Absent. Therefore, it is impossible to grasp the expenditures for individual products and services necessary for creating a household account book. In addition, when creating a household account book, it is important for managing expenses to be classified as leisure expenses, companion expenses, etc. as expense items, but the detailed history information also identifies these expense items. It is not possible.

  In addition, as mentioned above, it is important for credit card companies to promote the use of credit cards to members, and individual products and services purchased by members (hereinafter “products / services”) are identified. If it is possible to do so, it is desirable to feed back the information to the supplier of the goods / services and cooperate with the supplier for further promotion.

  Patent Document 1 discloses a household account book management system that manages a household account book based on purchase information indicating the content of a user's product purchase. Can not even manage. Further, the system does not realize feedback of information to the above-described supplier.

  The present invention has been made in view of such problems. The purpose of the present invention is to create information on individual products and services for credit card payments and a household account book that manages expenditure expenses, and It is an object of the present invention to provide a household account book creation system and a household account book creation method capable of feeding back information to a product / service supplier.

  In order to solve the above-described problems, a household account book creation system according to the present invention is a computer system for managing expenditure for a user's credit settlement, and receives settlement breakdown data for the user's credit settlement. A payment breakdown data receiving unit, wherein the payment breakdown data includes a user identification number, a product identification number and / or a service identification number of the user, a purchase quantity, an amount, and an expense item identification number. A breakdown data receiving unit, a screen generating unit for generating an interface screen for display on a display unit of a client computer connected to the computer system, and the product identification number and / or service identification based on the settlement breakdown data Product name and / or service name corresponding to the number, purchase quantity, previous An expenditure breakdown data transmission unit for transmitting expenditure breakdown data including an amount and an expenditure expense item identification number, wherein the expenditure breakdown data is displayed on the interface screen, and the product identification Feedback data for transmitting feedback data in which the number and / or service identification number and the purchase quantity are associated with the supplier identification number of the supplier that provides the goods and / or services corresponding to the product identification number and / or service identification number And a transmission unit.

  The household account book creation system and the household account book creation method according to the present invention are more detailed for members by managing information for identifying individual products / services for credit card settlement and information for identifying expenditure items. A household account book that reflects the information can be created. Further, since individual products / services can be identified, information such as the number of purchases and purchase trends can be fed back to the suppliers for the products / services.

It is a figure which shows the example of a structure of the whole computer system which implement | achieves the household account book creation system which concerns on one Embodiment of this invention. It is a figure which shows the detailed example of the computing device which implement | achieves the household account book creation system which concerns on one Embodiment of this invention. It is a flowchart which shows the example of the credit payment breakdown data collection process which concerns on one Embodiment of this invention. It is a figure which shows the example of the credit payment breakdown data table which concerns on one Embodiment of this invention. It is a flowchart which shows another example of the credit payment breakdown data collection process which concerns on one Embodiment of this invention. It is a flowchart which shows another example of the credit payment breakdown data collection process which concerns on one Embodiment of this invention. It is a flowchart which shows the example of the credit payment breakdown data collection process which concerns on one Embodiment of this invention. It is a figure which shows the example of the member data table which concerns on one Embodiment of this invention. It is a figure which shows the example of the household account book management interface which concerns on one Embodiment of this invention. It is a figure which shows the example of the consulting function display screen which concerns on one Embodiment of this invention. It is a flowchart which shows the example of the feedback information transmission process which concerns on one Embodiment of this invention. It is a figure which shows the example of the supplier data table which concerns on one Embodiment of this invention. It is a figure which shows the example of the feedback data which concern on one Embodiment of this invention.

  Hereinafter, a household account book creation system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

  FIG. 1 shows an example of the overall configuration of a computer system that realizes a household account book creation system and a household account book creation method according to an embodiment of the present invention.

  The household account book creation system according to the present embodiment includes a household account book creation device 1, a POS (Point of sale) terminal 3, and a client computer 4. The household account book creation apparatus 1 is connected to a POS terminal 3 and a client computer 4 via a network 2 including a dedicated line or a public line such as the Internet. The household account book creation device 1 is connected to the supplier system 6 via a network 5 including a dedicated line or a public line such as the Internet. The networks 2 and 5 may be the same network or different networks.

  The household account book creation apparatus 1 is a main computing device that provides a service related to the household account book creation system of the present embodiment (hereinafter, “household account book creation service”). The household account book creation device 1 performs a process such as creating a household account book based on the credit settlement breakdown data transmitted from the POS terminal 3 and transmitting product data to the supplier system 6. The household account book creation apparatus 1 may be implemented by a single computing device or a plurality of computing devices.

  The POS terminal 3 is installed in an affiliated company that provides the household account book creation service according to the present embodiment (hereinafter referred to as “business person”), and transmits credit settlement breakdown data to the household account book creation apparatus 1. The cash register device has a communication function to execute processing such as, etc. Details of the credit settlement breakdown data will be described later.

  The client computer 4 is a computer terminal used by a member who receives the household account book creation service according to the present embodiment, and the member refers to the household account book data created by the household account book creation apparatus 1 using the client computer 4. -Execute processing such as updating.

  The supplier system 6 is a computer system of a supplier that provides products / services handled by member stores, and the household account book creation device 1 transmits feedback data to the supplier system 6. Details of the product data will be described later.

  The POS terminal 3 and the client computer 4 described above may be information terminal devices such as a personal computer, a workstation, and a PDA having a communication function. A computing device and an information terminal device are computing devices including a central processing unit (CPU), a memory, a storage device, and the like, and are centralized by a CPU processing a computer program stored in the memory or the storage device. It is controlled, and the processing according to the present embodiment can be executed to realize the function. Note that the above-described system configuration is for illustration, and does not limit the system configuration capable of executing the present embodiment.

  Next, with reference to FIG. 2, a detailed example of each computing device that realizes the household account book creation system and the household account book creation method according to an embodiment of the present invention will be described.

  The household account book creation apparatus 1 includes a communication unit 10, a control unit 11, a main storage unit 12, and an auxiliary storage unit 13, and these elements are connected via a system bus.

  The communication unit 10 transmits / receives data to / from the POS terminal 3, the client computer 4, and the supplier system 6 connected via the networks 2 and 5, respectively.

  The control unit 11, also called a central processing unit (CPU), controls the above-described components and performs data calculations, and reads various programs stored in the auxiliary storage unit 13 into the main storage unit 12 and executes them. To do.

  The main storage unit 12 is also referred to as a main memory, and stores input data received by the household account book creation device 1, computer-executable instructions, data after arithmetic processing by the instructions, and the like.

  The auxiliary storage unit 13 is a storage device represented by a hard disk (HDD) and stores a database 131 storing data such as a credit settlement breakdown data table 400. The auxiliary storage unit 14 also stores a program (not shown) for causing the control unit 11 to execute various processes according to the present embodiment.

  The POS terminal 3 includes a communication unit 30, a control unit 31, a main storage unit 32, an auxiliary storage unit 33, and an I / O interface 34, and these elements are connected via a system bus. The POS terminal 3 includes a printer 35, a display 36, a reader 37, a keyboard 38, and a camera 39 connected via an I / O interface 34.

  The communication unit 30 transmits and receives data to and from the household account book creation device 1 connected via the network 2.

  The control unit 31 is a central processing unit, and controls each of the above components and calculates data.

  The main storage unit 32 is also called a main memory, and stores data recognized by the reader 37 and the camera 39, data input by the keyboard 38, and the like.

  The auxiliary storage unit 33 is a storage device such as a hard disk, and stores a program (not shown) such as an OCR (Optical Character Recognition) reading application.

  The I / O interface 34 is an interface for connecting peripheral devices such as a printer 35, a display 36, a reader 37, a keyboard 38, and a camera 39 by a method such as USB, and transmits / receives data to / from these peripheral devices.

  The printer 35 prints a receipt on which information such as the name, the number of items purchased, and the amount of goods / services purchased by the member is printed.

  The display 36 is a touch panel display that can detect the contact of a user's finger or stylus pen using a technique such as a resistive film method or a capacitance method. On the screen of the display 36, a screen keyboard 36a (not shown) is displayed.

  The reader 37 reads the barcode displayed on the product / service purchased by the member, and data such as an identification code (for example, JAN code (Japanese Article Number), ISBN (International Standard Book Number)) for the product / service. Recognize The reader 37 also has an OCR function, and reads an image of a receipt printed by the printer 35 so as to recognize information such as the name of the product / service printed on the receipt, the number of purchases, and the amount of money. It may be.

  The keyboard 38 accepts input of characters and numerical values when the user presses a key.

  The camera 39 captures the receipt printed by the printer 35 and generates image data of the receipt.

  The client computer 4 includes a communication unit 40, a control unit 41, a main storage unit 42, and an auxiliary storage unit 43, and these elements are connected via a system bus.

  The communication unit 40 transmits and receives data to and from the household account book creation device 1 connected via the network 2.

  The control unit 41 is a central processing unit, and controls each of the above components and calculates data.

  The main storage unit 42 is also called a main memory, and stores input data received by the client computer 4, computer-executable instructions, data after arithmetic processing by the instructions, and the like.

  The auxiliary storage unit 43 is a storage device such as a hard disk, and stores a program (not shown) for displaying a household account book management interface 90 described later.

<Credit settlement breakdown data collection processing>
Next, an example of credit settlement breakdown data collection processing executed by the household account book creation system according to an embodiment of the present invention will be described. In the present embodiment, it is assumed that a member purchases a product / service provided by the member store at a member store and performs credit card payment for the product / service at the POS terminal 3 installed at the member store. To do. When the member makes a credit card payment, a receipt on which the name of the purchased product / service, the number of purchases, the amount, the total amount, and the like are printed is output from the printer 35.

<Bar code reading by reader>
FIG. 3 illustrates an example of processing for collecting credit settlement breakdown data by reading a barcode displayed on a product / service purchased by a member by the reader 37. Therefore, in the embodiment described with reference to FIG. 3, the reader 37 of the POS terminal 3 is configured to read the barcode displayed on the product / service purchased by the member and recognize data such as the product / service. ing.

  First, the POS terminal 3 acquires the member number and member store number input via the keyboard 38 of the POS terminal 3 or the screen keyboard 36a displayed on the display 36 (step S301). This member number is a number that identifies a member who receives the household account book creation service, and the member store number is a number that identifies the member store from which the member purchased the product / service.

  Next, the POS terminal 3 acquires a product / service identification code such as a JAN code or ISBN from the barcode read by the reader 37 (step S302).

  Next, the control unit 11 of the POS terminal 3 acquires a product / service name based on the product / service identification code acquired in step S302 (step S303). For example, the JAN code is defined by Japanese Industrial Standards (JIS), and by referring to a mapping table (not shown) between the code and the corresponding product / service name, the product / service purchased by the member can be obtained. The corresponding name can be acquired.

  Next, the POS terminal 3 acquires the purchase quantity, amount, and expense item of the product / service for the product / service identification code acquired in step S302, which is input via the keyboard 38 or the screen keyboard 36a (step S304). ). Here, the expense item is an item indicating an expense item for the product / service purchased by the member. For example, values such as “1: food expense” and “2: leisure expense” are set in the item. The Instead of inputting the purchase quantity and amount via the keyboard 38 or the screen keyboard 36a, the reader 37 may read the receipt image printed by the printer 35 to recognize the purchase quantity and amount. Good.

  Next, the control unit 31 of the POS terminal 3 acquires the member number and member store number acquired in step S301, the product / service identification code acquired in step S302, the product / service name acquired in step S303, and step S304. The credit settlement breakdown data is generated by associating the number of purchases, the amount of money, and the expense item acquired in step S305 (step S305). This credit settlement breakdown data includes a member number, purchase date and time (the date and time acquired by the POS terminal 3 is set), member store number, product / service identification code, product / service name, purchase quantity, amount, and expense item. However, it is not limited to these items.

  Next, the communication unit 30 of the POS terminal 3 transmits the credit settlement breakdown data generated in step S305 to the household account book creation device 1 (step S306).

  Next, the communication unit 10 of the household account book creation device 1 receives the credit settlement breakdown data transmitted in step S306, and the control unit 11 records a record in the credit settlement breakdown data table 400 based on the credit settlement breakdown data. insert.

  The credit settlement breakdown data table 400 will be described with reference to FIG. The credit settlement breakdown data table 400 includes items “member number”, “purchase date / time”, “member store number”, “product / service identification code”, “product / service name”, “purchased quantity”, “amount”, and It has “expenditure item”. In each item of the credit settlement breakdown data table 400, an item included in the credit settlement breakdown data transmitted in step S305 is set.

  As described above, since the bar code displayed on the product / service is normally read by the reader at a cash register such as a store, the member entered in the read product / service identification code is normally used. By associating information such as numbers, it is possible to accumulate credit settlement breakdown data for products and services purchased by members.

<OCR reading of receipt image by reader>
Next, another example of credit settlement breakdown data collection processing executed by the household account book creation system according to an embodiment of the present invention will be described with reference to FIG. In the example of FIG. 5, the credit settlement breakdown data is collected by the reader 37 reading the receipt image printed by the printer 35 and recognizing information such as the name of the product / service printed on the receipt. Therefore, in the embodiment described with reference to FIG. 5, the reader 37 of the POS terminal 3 has an OCR function, reads an image of a receipt printed by the printer 35, and names of goods / services printed on the receipt. It is configured to recognize the information.

  First, the POS terminal 3 acquires the member number and member store number input via the keyboard 38 or the screen keyboard 36a of the POS terminal 3 (step S501).

  Next, the reader 37 of the POS terminal 3 reads the image of the receipt printed by the printer 35, and acquires the product / service name, the purchased quantity, and the amount of money printed on the receipt (step S502).

  Next, the POS terminal 3 acquires the expense item for the product / service name acquired in step S502, which is input via the keyboard 38 or the screen keyboard 36a (step S503).

  Next, the control unit 31 of the POS terminal 3 obtains the member number and member store number acquired in step S501, the product / service name, the purchased quantity, and the amount acquired in step S502, and the expense item acquired in step S503. To generate credit settlement breakdown data (step S504).

  Next, the communication unit 30 of the POS terminal 3 transmits the credit settlement breakdown data generated in step S504 to the household account book creation device 1 (step S505).

  Next, the communication unit 10 of the household account book creation device 1 receives the credit settlement breakdown data transmitted in step S505, and the control unit 11 records a record in the credit settlement breakdown data table 400 based on the credit settlement breakdown data. insert.

  As described above, usually at a cash register such as a store, it is normal to print a receipt for a product / service purchased by a member, so the member number entered in the information recognized from the printed receipt By associating such information, it is possible to accumulate credit settlement breakdown data for products / services purchased by members.

<Capture receipt image with camera>
Next, with reference to FIG. 6, another example of credit settlement breakdown data collection processing executed by the household account book creation system according to the embodiment of the present invention will be described. In the example of FIG. 6, an image of a receipt printed by the printer 35 is captured, and the control unit 11 of the household account book creation apparatus 1 recognizes data such as the name of a printed product / service in the image, thereby Collect credit settlement breakdown data. Therefore, in the embodiment described in FIG. 6, an OCR reading program (not shown) is stored in the auxiliary storage unit 13 of the household account book creation apparatus 1, and the control unit 11 executes the program to The picked-up receipt image is read to recognize data such as goods / services printed on the receipt.

  First, the POS terminal 3 acquires the member number and member store number input via the keyboard 38 or the screen keyboard 36a of the POS terminal 3 (step S601).

  Next, the camera 39 of the POS terminal 3 captures an image of the receipt printed by the printer 35 and generates receipt image data (step S602).

  Next, the POS terminal 3 acquires the expense item for the product / service name acquired in step S502, which is input from the keyboard 38 or the screen keyboard 36a (step S603). Here, in the product / service printed on the receipt imaged in step S602, when there are a plurality of expenditure items (for example, an expenditure to be recorded as food expenses on the same receipt, an expenditure to be recorded as expenses) May be configured to input spending items to identify those items. For example, a serial number may be specified for each product / service line printed on the receipt, and the expense item may be input so as to be associated with the serial number.

  Next, the control unit 31 of the POS terminal 3 associates the member number and the member store number acquired in step S601 with the receipt image data generated in step S602 and the expense item acquired in step S603, thereby making a credit settlement breakdown. Data is generated (step S604). This credit settlement breakdown data includes a member number, purchase date and time (the date and time acquired by the POS terminal 3 is set), member store number, receipt image data, and expenditure items with serial numbers, but are limited to these items. Not.

  Next, the communication unit 30 of the POS terminal 3 transmits the credit settlement breakdown data generated in step S604 to the household account book creation device 1 (step S605).

  Next, the communication unit 10 of the household account book creation device 1 receives the credit settlement breakdown data transmitted in step S605, and the control unit 11 reads the receipt image included in the credit settlement breakdown data to determine the product / service name. The number of purchases and the amount of money are acquired (step S606).

  Next, the control unit 11 inserts a record into the credit settlement breakdown data table 400 based on the credit settlement breakdown data received in step S605 and the product / service name, the number of purchases, and the amount acquired in step S606. .

  As described above, usually, at a cash register such as a store, it is normal to print a receipt for a product / service purchased by a member. Therefore, the receipt is imaged, and the captured image data is By associating information such as the entered member number, it is possible to accumulate credit settlement breakdown data for products / services purchased by the member.

<Household account book data editing process>
Next, an example of the household account book data editing process executed by the household account book creation system and the household account book creation method according to an embodiment of the present invention will be described with reference to the flowchart of FIG.

  First, the control unit 41 of the client computer 4 executes a household account book management interface activation program (not shown) stored in the auxiliary storage unit 43 to manage the household account book on the display (not shown) of the client computer 4. An initial interface screen (not shown) is displayed (step S701).

  Next, the member number of the member who receives the household account book creation service according to the present invention is input via the household account book management interface displayed in step S701, and the communication unit 40 transmits the member number to the household account book making apparatus 1 (Step S702).

  Next, when the communication unit 10 of the household account book creation apparatus 1 receives the member number transmitted in step S702, the control unit 11 acquires a corresponding record from the member data table 800 based on the member number (step S703). The member data table 800 will be described with reference to FIG.

  The member data table 800 includes items “member number”, “member name”, “email address”, “annual income”, “monthly income”, “household composition”, and “consent / not consent”. The items “annual income” and “monthly income” respectively indicate the amount of annual income and monthly income of the member registered based on the consent of the member. The item “household composition” indicates the household composition of the members, and values such as “1: single”, “2: with spouse (without children)”, “3: with spouse (with one child)”, etc. Is set. Based on the items “annual income”, “monthly income”, and “household composition”, a consulting function described later is executed. If these items are blank or zero, the consulting function cannot be executed without the consent of the member. The item “presence / absence of consent” is an item indicating whether or not to notify member information to a supplier of goods / services that is affiliated with the business. For example, when “1: Consent” is set in the item “Agreement”, information such as the item “member name” and “email address” is transmitted to the supplier, and the supplier is based on the transmitted information. The direct mail is transmitted, and the details will be described later.

  Returning to the description of FIG. 7, in step S704, the client computer 4 displays the household account book management interface 90 on a display (not shown). The household account book management interface 90 will be described with reference to FIG.

  The household account book management interface 90 has a condition input window 91, an expenditure details display window 92, and a total display window 93.

  The condition input window 91 is a window for inputting a unit for displaying and counting the records of the credit settlement breakdown data table 400, and includes a counting unit selection box 91a, an expense item selection box 91b, and a month / day designation box 91c. . The total unit selection box 91a is a selection box for selecting a unit for displaying the record of the credit settlement breakdown data table 400 in the expenditure details display window 92. For example, “daily” or “monthly” is selected. Can do. The expense item selection box 91b is a selection box for selecting which expense item record is to be displayed in the expense details display window 92 among the records of the credit settlement breakdown data table 400. For example, “expense expense” or “ “Expense” can be selected. The month / day designation box 91c is a designation box for designating the day when “daily” is selected in the totaling unit selection box 91a (when “monthly” is selected in the totaling unit selection box 91a). , You can specify that month).

  Returning to the description of FIG. 7, in step S705, the conditions specified in the total unit selection box 91a, the expense item selection box 91b, and the month / day specification box 91c of the household account book management interface 90 displayed in step S704 are set. The communication unit 40 transmits the condition to the household account book creation device 1.

  Next, when the communication unit 10 of the household account book creation apparatus 1 receives the condition transmitted in step S705, the control unit 11 uses the credit settlement breakdown data table 400 based on the condition and the membership number transmitted in step S702. The corresponding record is acquired from (step S706).

  Next, the communication unit 10 of the household account book creation apparatus 1 transmits the credit settlement breakdown data record acquired in step S706 to the client computer 4 (step S707).

  Next, when the communication unit 40 of the client computer 4 receives the credit settlement breakdown data record transmitted in step S707, the control unit 41 displays the record on the expenditure details display window 92. In addition, the control unit 41 aggregates the amounts included in the credit settlement breakdown data record by expenditure expense, by store name, and by the unit specified in the aggregation unit selection box 91a, and displays the total amount in the total display window 93. (Step S708). Here, the items of each record displayed in the expenditure details display window 92 shown in FIG. 9 correspond to the respective items of the credit settlement breakdown data record, but the item “member store name” is credited in step S706. The member store name may be acquired from the member store data table (not shown) based on the item “member store number” of the breakdown data record. The above-described summation of the amount may be executed in the household account book creation apparatus 1.

  As shown in FIG. 9, the expenditure detail display window 92 has an edit button 92a, and the expenditure expense of the displayed record can be changed by pressing the button. When the expense item is changed, the changed expense item value is transmitted from the client computer 4 to the household account book creation device 1, and the control unit 11 of the household account book creation device 1 performs the credit settlement breakdown data table based on the value. 400 corresponding records are updated.

<Consulting function>
Next, the consulting function display screen 100 will be described with reference to FIG. The consulting function display screen 100 is a screen transitioned from the household account book management interface 90, and includes a expenditure statistics display window 101 and a consulting result display window 102.

  The expenditure statistics display window 101 includes an expense graph 101a by cost item, an Engel coefficient display box 101b, an average consumption tendency display box 101c, and a leisure fund display box 101d.

  Expenditure graph 101a by item shows the percentage of items “amount” for each item “expenditure item” included in the record in credit settlement breakdown data table 400 by month or year according to the designation of a member who uses the consulting function. ing.

  In the Engel coefficient display box 101b, the total expenditure amount obtained by summing the item “amount” of the record in the credit settlement breakdown data table 400 and the item “expenditure item” are “ The Engel coefficient calculated based on the total food cost that is the sum of the “money amount” of the records having the value of “food cost” is shown.

  The average consumption propensity display box 101c and the leisure fund display box 101d are a total expenditure amount totaling the item “amount” of the record in the credit settlement breakdown data table 400 by month or year according to designation by the member using the consulting function, The average consumption tendency and the amount of leisure funds calculated based on the items “annual income” or “monthly income” of the member data table 800 are shown.

  The consulting result display window 102 includes a household composition display box 102a, an average consumption tendency proposal message display box 102b, and a leisure fund management proposal message display box 102c.

  The household composition display box 102a indicates the household composition corresponding to the value of the item “household composition” in the member data table 800.

  The average consumption tendency proposal message display box 102b is based on the average consumption tendency statistics for each household composition defined in advance based on the item “household composition” in the member data table 800 and the amount of leisure funds displayed in the leisure money display box 101d. It shows the proposed average spending tendency proposal message. For example, when the amount of leisure funds displayed in the leisure fund display box 101d is small compared with the statistical information for each household structure defined in advance (when the total amount of expenditure is large), "Let's keep food expenses low." Is displayed (when it is determined that the food expenses are high from the ratio shown in the expense graph 101a by cost item).

  The leisure fund management proposal message display box 102c is based on the predefined leisure fund management statistics for each household composition based on the item “household composition” of the member data table 800 and the amount of leisure funds displayed in the leisure fund display box 101d. The proposed leisure fund management proposal message is shown. For example, when it is determined that the household has a tendency to spend leisure funds for saving by referring to the predefined leisure fund operation statistical information in the household structure displayed in the household structure display box 102a, Let ’s turn it into savings ”. In addition, the member data table 800 is configured to include the items “asset management amount” and “savings amount”, and the item “asset management amount” is set to an annual amount or a monthly amount for managing the member's assets. The item “saving amount” may be set to an annual amount or a monthly amount that the member is turning to saving, and the leisure fund management proposal message may be determined based on those values.

<Feedback information transmission process>
Next, an example of feedback information transmission processing executed by the household account book creation system according to an embodiment of the present invention will be described with reference to the flowchart of FIG. This feedback information transmission process may be executed at a timing defined for each supplier affiliated with the business operator, or may be executed at a predetermined timing through all the suppliers.

  First, the control part 11 of the household account book creation apparatus 1 acquires a record from the supplier data table 1200 (step S1101). The supplier data table 1200 will be described with reference to FIG.

  The supplier data table 1200 includes items “supplier number”, “supplier name”, and “destination address”. Feedback information is transmitted to the supplier corresponding to each record in the supplier data table 1200.

  In the process of step S1101, when the feedback information transmission process is executed for a specific supplier, a supplier data record is acquired based on the supplier number indicating the specific supplier. On the other hand, when the feedback information transmission process is executed for all suppliers, all supplier data records are acquired.

  Next, the control unit 11 acquires a record from the credit settlement breakdown data table 400 based on the item “supplier number” of the supplier data record acquired in step S1101 (step S1102). Here, when the item “product / service identification code” of the credit settlement breakdown data table 400 is a JAN code, a part of the code is a code for identifying a supplier, and therefore a record is obtained by referring to the value. Can do.

  Next, the control unit 11 sets the “purchased quantity” of the item of the credit settlement breakdown data record acquired in step S1102 for each supplier identification code included in the above-described product / service identification code and a product number code (for example, a product). When the service identification code is a JAN code, a part of the code becomes a code for identifying an item) and is added separately (step S1103).

  Next, the control unit 11 acquires a record from the member data table 800 based on the item “member number” of the credit settlement breakdown data record acquired in step S1102 (step S1104). This member data record is acquired only for records in which “1: Consent” is set in the item “Agreement” in the member data table 800.

  In step S1105, it is determined whether or not the member data record acquired in step S1104 is the last record. If it is the last record (Yes in step S1105), the process proceeds to step S1106. If it is not the last record (No in step S1105), the process returns to step S1104 and the process is repeated.

  In step S1106, it is determined whether the credit settlement breakdown data record acquired in step S1102 is the last record. If it is the last record (Yes in step S1106), the process proceeds to step S1107. If it is not the last record (No in step S1106), the process returns to step S1102, and the process is repeated.

  In the processing from step S1102 to step S1106 described above, the number of purchases is totaled for each supplier and each product / service, and information is acquired from the member data record for each product / service.

  In step S1107, feedback data is created based on the supplier data record acquired in step S1101, the credit settlement breakdown data record (total purchase quantity) acquired in step S1102, and the member data record acquired in step S1104. Transmit to supplier system 6. The feedback data will be described with reference to FIG.

  As shown in FIG. 13, the feedback data has a header portion, a data portion, and a tray lab. The header portion is set with information for specifying a supplier that is a transmission destination of feedback data, and is based on the supplier data record acquired in step S1101. The data section is set with information necessary for a supplier affiliated with the business operator to promote sales of products and services provided by the supplier, and the credit settlement breakdown data record (aggregation) acquired in step S1102 Purchased number) and the member data record acquired in step S1104. In the example of FIG. 13, the number of purchases is totaled for each product / service provided by the target supplier in the credit settlement breakdown data record acquired in step S1102, and information on the member who purchased the product / service is set. . In the trailer section, the number of records of feedback data is set.

  Returning to the description of FIG. 11, the supplier system 6 receives the feedback data transmitted in step S <b> 1107. In this way, since the information is fed back to the supplier based on the details of the credit card usage of each member possessed by the business operator, the supplier promotes the sales of products and services provided by the supplier. Can be useful.

  As described above, the description of the household account book creation system and the household account book creation method according to the present embodiment has been described in detail. The specific data structure such as the credit settlement breakdown data table 400 described in the embodiment is illustrative. It is only a thing and may be changed in the range which does not deviate from the matter claimed.

DESCRIPTION OF SYMBOLS 1 Household account book preparation apparatus 2 Network 3 POS terminal 4 Client computer 5 Network 6 Supplier system 90 Household account book management interface 91 Condition input window 91a Total unit selection box 91b Expenditure item selection box 91c Month / day designation box 92 Expenditure details display window 92a Edit button 93 Total display window 93
100 Consulting function display screen 101 Expenditure statistics display window 101a Expenditure graph by expense item 101b Engel coefficient display box 101c Average consumption tendency display box 101d Leisure funds display box 102 Consulting result display window 102a Household composition display box 102b Average consumption tendency proposal message display box 102c Leisure fund management proposal message display box 400 Credit settlement breakdown data table 800 Member data table 1200 Supplier data table

Claims (9)

A computer system for managing a user's payment for credit settlement, the computer system being connected to a supplier system,
A payment breakdown data receiving unit for receiving payment breakdown data for the credit payment of the user, wherein the payment breakdown data includes the user identification number of the user, a product identification number and / or a service identification number, the number of purchases, A settlement breakdown data receiving unit including an amount and an expense item identification number;
A screen generator for generating an interface screen for display on a display unit of a client computer connected to the computer system;
Based on the settlement breakdown data, expenditure breakdown data including a commodity name and / or service name corresponding to the commodity identification number and / or service identification number, the purchase quantity, the amount, and the expenditure item identification number is transmitted. An expenditure breakdown data transmission unit, wherein the expenditure breakdown data is displayed on the interface screen;
A feedback data transmission unit that transmits feedback data to a supplier system of the supplier at a timing determined by a supplier that provides goods and / or services corresponding to the product identification number and / or service identification number, feedback data, the computer system characterized in that it comprises the product identification number and / or service identification number, and said purchase number, and supplier identification number of the supplier is associated, and a feedback data transmission unit .   The computer system according to claim 1, wherein the expense item identification number is updated by an input operation via an interface screen.   3. The computer according to claim 1, further comprising a consulting data transmission unit configured to transmit consulting data including a total amount of the amounts and a sum of the amounts according to expenditure expenses. system. A computer-implemented method for managing a user's credit payment expenditure, wherein the computer is connected to a supplier system,
Receiving the payment breakdown data for the user's credit payment, wherein the payment breakdown data includes the user identification number, product identification number and / or service identification number, purchase quantity, amount, and expenditure of the user; A step including an expense item identification number; and
Generating an interface screen for display on a display unit of a client computer connected to the computer;
Based on the settlement breakdown data, expenditure breakdown data including a commodity name and / or service name corresponding to the commodity identification number and / or service identification number, the purchase quantity, the amount, and the expenditure item identification number is transmitted. The expenditure breakdown data is displayed on the interface screen; and
Sending feedback data to a supplier system of the supplier at a timing determined by a supplier providing goods and / or services corresponding to the product identification number and / or service identification number , wherein the feedback data is , wherein in that it comprises the product identification number and / or service identification number, and said purchase number, and supplier identification number of the supplier is associated, and a step.   5. The method according to claim 4, wherein the expense item identification number is updated by an input operation via an interface screen.   The method according to claim 4, further comprising a step of transmitting consulting data including a total amount obtained by summing the amounts and a sum of the amounts by expenditure expense items.   The program for making a computer perform the method as described in any one of Claims 4 thru | or 6.   A computer-readable storage medium storing the program according to claim 7.   A computing device comprising a processor and a memory, wherein the memory stores a program for causing the processor to execute the method according to any one of claims 4 to 6.

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