JP6887716B2 - Account management support server, account management support method, and program - Google Patents

Description

The present invention relates to an account management support server that supports management of a plurality of accounts, an account management support method, and a program.

Conventionally, a system for creating and managing deposits by purpose has been known.

In Patent Document 1, the result of income and expenditure calculation based on the deposit / withdrawal data of the user's first account is acquired, and the amount of funds based on the acquired result is used for the first account and the second account different from the first account. An account management system that asks the user whether to transfer funds to and from, accepts the specification of the amount of funds to be transferred between the first account and the second account, and transfers the specified amount of funds is described. ing.

Japanese Patent No. 5936760

In the account management system described in Cited Document 1, the user's purpose-specific deposit is accumulated by transferring to the user's purpose-specific deposit based on the result of the balance calculation based on the deposit / withdrawal data of the predetermined account for a predetermined period. Can be done. However, it may not be possible to encourage the daily consumption of users such as purchasing products at convenience stores, supermarkets, and department stores, and using transportation such as trains and taxis.

Therefore, some aspects of the present invention have been made in view of such circumstances, and it is possible to appropriately store deposits for each purpose desired by the user and to promote daily consumption of the user. The purpose is to provide account management technology.

The account management support server according to one aspect of the present invention is an account management support server that supports the management of a plurality of accounts, and includes a consumption amount information acquisition unit that acquires consumption amount information regarding the user's consumption amount and consumption amount information. Based on the above, a fund transfer unit for transferring an amount of funds that increases as the amount of consumption increases is provided from the first account to a second account different from the first account.

The account management support method according to one aspect of the present invention is an account management support method executed by a computer that supports management of a plurality of accounts, and includes a step of acquiring consumption amount information regarding a user's consumption amount and consumption amount information. Includes a step of transferring an amount of funds that increases with increasing consumption from the first account to a second account different from the first account.

The program according to one aspect of the present invention uses a computer that supports the management of a plurality of accounts from the consumption amount information acquisition unit that acquires consumption amount information regarding the user's consumption amount, and from the first account based on the consumption amount information. It functions as a fund transfer unit that transfers funds in an amount that increases as the amount of consumption increases to a second account that is different from the first account.

In the present invention, the "part", "device", and "system" do not simply mean physical means, but the functions of the "part", "device", and "system" are performed by software. Including the case where it is realized. Further, even if the functions of one "part", "device", and "system" are realized by two or more physical means and devices, two or more "parts", "devices", and "systems" The function may be realized by one physical means or device.

According to the present invention, it is possible to appropriately store deposits for each purpose desired by the user, and to promote daily consumption of the user.

It is a schematic block diagram (system block diagram) which shows one Embodiment of the account management support system which concerns on embodiment of this invention. It is a conceptual diagram which shows an example of the account management support processing which concerns on embodiment of this invention. It is a block diagram which shows an example of the functional structure of the account management support server which concerns on embodiment of this invention. It is a figure which shows an example of the account information which concerns on embodiment of this invention. It is a figure which shows an example of the deposit information by purpose which concerns on embodiment of this invention. It is a figure which shows an example of the consumption amount information which concerns on embodiment of this invention. It is a flowchart which shows an example of the account management support processing which concerns on embodiment of this invention. It is a figure which shows an example of the screen displayed on the display part of the user terminal which concerns on embodiment of this invention. It is a figure which shows an example of the screen displayed on the display part of the user terminal which concerns on embodiment of this invention. It is a figure which shows an example of the screen displayed on the display part of the user terminal which concerns on embodiment of this invention. It is a figure which shows an example of the screen displayed on the display part of the user terminal which concerns on embodiment of this invention. It is a figure which shows an example of the screen displayed on the display part of the user terminal which concerns on embodiment of this invention. It is a figure which shows an example of the screen displayed on the display part of the user terminal which concerns on embodiment of this invention. It is a figure which shows an example of the screen displayed on the display part of the user terminal which concerns on embodiment of this invention. It is a figure which shows an example of the screen displayed on the display part of the user terminal which concerns on embodiment of this invention. It is a figure which shows an example of the screen displayed on the display part of the user terminal which concerns on embodiment of this invention. It is a figure which shows an example of the hardware structure of the computer which concerns on embodiment of this invention.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. The following embodiments are examples for explaining the present invention, and the present invention is not intended to be limited only to the embodiments. Further, the present invention can be modified in various ways as long as it does not deviate from the gist thereof. Further, in each drawing, the same components are designated by the same reference numerals as much as possible, and duplicate description will be omitted.

FIG. 1 is a schematic configuration diagram (system configuration diagram) showing an embodiment of an account management support system that supports management of a plurality of accounts according to an embodiment of the present invention. As shown in FIG. 1, the account management support system 100 is optionally configured to include an account management support server 1, a core banking server 3, a payment server 5, and a user terminal 7. The number of each element of the account management support system 100, that is, the number of the account management support server 1, the accounting server 3, the payment server 5, and the user terminal 7 is not particularly limited. For example, the payment server 5 may be provided for each payment service (for example, payment processing by using a debit card, payment processing such as a QR code (registered trademark), electronic money charge processing, etc.), or a payment service may be provided. It may be provided for each provider.

The account management support server 1, the accounting server 3, and the settlement server 5 are server computer devices connected to a predetermined communication network N. The server function is expressed by operating a predetermined server program in these server computer devices. The account management support server 1, the accounting server 3, and the settlement server 5 are not particularly limited as long as they have the above server functions, and include cases where they are realized by cloud computing or the like. There is no particular limitation on the number of each element included in the account management support system 100.

The communication network N is a communication line or communication network related to information processing including the Internet and the like, and its specific configuration is not limited. For example, the communication network N is a LAN (L ocal A rea N etwork ) and WAN (W ide A rea N etwork ), constructed by one or both of wired and wireless networks.

The core banking server 3 is included in the core banking system of a financial institution including a bank or the like. The core banking system manages the balance of accounts, settles funds with other financial institutions, deposits and withdraws and transfers funds, and processes remittances. The entity that manages the core banking server 3 and the entity that manages the account management support server 1 may be the same or different. Further, as shown in FIG. 1, the accounting server 3 and the account management support server 1 may have separate configurations, or the same configuration (for example, the account management support server 1 is provided by the accounting server 3). It may further include a configuration).

The user terminal 7 used by the user includes, for example, a mobile phone such as a smartphone connected to a predetermined network, a tablet terminal, a laptop computer, a notebook computer, or the like. The mobile terminal 1 includes, for example, a display unit (not shown) composed of a display including a liquid crystal display panel, an organic EL panel, or the like. The user of the user terminal 7 downloads, for example, the account management support application software (hereinafter, referred to as “account management support application”) according to the embodiment of the present invention from a predetermined site on the network, and the user terminal 7 downloads the application software. Save it for execution. The account management support application is provided by the management entity of the account management support server 1. When the account management support application is executed by the user terminal 7, the user terminal 7 communicates with the account management support server 1 via the communication network N to realize various functions.

The display unit of the user terminal 7 is provided with, for example, an input operation function for receiving various operation inputs performed by the user. The display unit can display, for example, a login screen related to the account management support application, a My Page after login (also referred to as a home screen, etc.), an image showing a plurality of payment services associated with the account management support application, and the like. Yes, it is possible to input various operations of the user, a decision operation, a cancel operation, an instruction input such as a menu display, and the like.

The user personal information (for example, user ID, etc.) is registered in advance by the user in the payment server 5 so that the payment service associated with the payment server can be used, for example, as a member registration procedure for the payment service. Will be done. The payment server 5 acquires and records the user ID via, for example, the Web screen displayed on the user terminal 7. The payment server 5 confirms which member's payment processing is performed by collating, for example, the user ID registered in advance by the user with the user ID transmitted from the account management payment server 1.

For example, when the payment limit associated with the user is 1000 yen and the payment amount indicated by the payment amount information is 700 yen, the payment server 5 is equal to or less than the payment limit, so that the payment processing is performed. Execute. Then, the payment server 5 transmits information indicating that the payment processing has been executed to the account management support server 1 as a result of the payment processing. On the other hand, the payment server 5 performs payment processing because, for example, when the payment limit associated with the user is 1000 yen and the payment amount indicated by the payment amount information is 1200 yen, it is larger than the payment limit. Do not execute. Then, the payment server 5 transmits information indicating that the payment processing has not been executed to the account management support server 1 as a result of the payment processing.

The payment limit is, for example, the amount deposited in the bank account associated with the user and the payment service, the credit limit of the credit card or debit card associated with the user and the payment service, or the user and payment. Includes the charge limit of electronic money associated with the service. The payment process in the present embodiment includes, but is not limited to, immediate payment using a debit card as described later, and may include post-payment and pre-payment.

FIG. 2 is a conceptual diagram showing an example of account management support processing according to the embodiment of the present invention. As shown in FIGS. 1 and 2, the core banking server 3 holds information about the user's savings account 30 (first account) and information about the user's savings account 32 (second account). There is. The savings account 30 and the savings account 32 are managed by a financial institution that manages a core banking server 3. The savings account 30 is an account for transferring funds to the savings account 32. The savings account 30 is, for example, an account that manages the usage amount (consumption amount of the user) of the payment service by the user. The savings deposit account 32 is an account for storing funds sent from the savings account 30, for example, an account for deposits. Since the savings deposit account 32 is premised on saving, there are certain restrictions on the movement of a part of the funds in the balance of the savings deposit account 32. The outline of the account management support process according to the embodiment will be described below. In the account management support system 100, the amount of funds that increases as the user's consumption increases is transferred (transferred or accumulated) from the savings account 30 to the savings account 32.

Specifically, the account management support server 1 shown in FIG. 1 acquires consumption amount information regarding the user's consumption amount related to the payment service from the payment server 5 via the communication network N. The account management support server 1 manages, for example, the daily usage amount of the user. As shown in FIG. 2, for example, the user's consumption amount this time (one hour from 12:00 to 13:00 on October 8) is the debit card usage amount 1 (40,000 yen) and the debit card usage amount 2 (1 hour). It is 60,000 yen). In the savings account 32, funds are virtually sorted for one or more deposit purposes. For example, the current reserve amount of the purpose-specific deposit 1 “overseas travel” is 100,000 yen, and the reserve ratio (allocation ratio) to the purpose-specific deposit 1 is set to 10%. Further, the current reserve amount of the purpose-specific deposit 2 “clothes purchase” is 1,000,000 yen, and the reserve ratio to the purpose-specific deposit 2 is set to 100%.

The total debit card usage amount (increase in user consumption) is 100,000 yen, which is the sum of the debit card usage amount 1 (40,000 yen) and the debit card usage amount 2 (60,000 yen). The total reserve ratio is 110% based on the reserve ratio "10%" for the purpose-specific deposit 1 and the reserve ratio "100%" for the purpose-specific deposit 2. Therefore, the funds transferred from the savings account 30 to the savings account 32 are 110,000 yen. In addition, the fund "110,000 yen" is distributed according to the reserve ratio (10% or 100%) of the deposit for each purpose, and the reserve amount of the deposit 1 for each purpose is 10,000 yen for 100,000 yen. Is added to 110,000 yen, and the reserve amount of the purpose-specific deposit 2 is 110,000 yen, which is 10,000 yen plus 100,000 yen.

In this way, the account management support server 1 accounts for moving the amount of funds that increases as the consumption amount increases from the savings account 30 to the savings deposit account 32 based on the acquired user consumption amount information. Instruct the system server 3. Then, the accounting server 3 executes the transfer (or transfer) of funds from the savings account 30 to the savings account 32.

As described above, the account management support system 100 moves the amount of funds that increases as the user's consumption increases from the savings account 30 to the savings account 32. Therefore, it is possible to appropriately save the deposit for each purpose desired by the user. Further, since the transfer fund (saving amount) is determined according to the increase in the consumption amount of the user, it is possible to promote the daily consumption of the user.

The funds to be transferred from the savings account 30 to the savings account 32 are not limited to being calculated by multiplying the amount corresponding to the increase in the user's consumption by a predetermined reserve ratio, and other calculation methods are adopted. May be done. For example, the funds to be transferred from the savings account 30 to the savings account 32 may be calculated by dividing the amount corresponding to the increase in the user's consumption by a predetermined reserve ratio, or by adding a predetermined amount. It may be calculated, or it may be calculated by subtracting a predetermined amount. Further, in the present embodiment, in addition to the fund transfer process according to the consumption amount, a process of transferring a predetermined amount of funds at an arbitrary timing based on an instruction from the user, or a process of periodically transferring a predetermined amount of funds. At least one of the transfer processes (for example, monthly fund transfer process) can be further executed. For example, the user needs to perform each of the above fund transfer processes on the account management support server by operating the user terminal 7. It can be controlled so that it can be executed in combination according to the above.

FIG. 3 is a block diagram showing an example of the functional configuration of the account management support server according to the embodiment of the present invention. As shown in FIG. 3, the account management support server 1 functionally relates to an information processing unit 11 that executes a process for supporting the management of a plurality of accounts, and a process for supporting the management of the plurality of accounts. The information is included in the recording unit 12. The information processing unit 11 can be realized, for example, by having a CPU or the like execute a program stored in the auxiliary recording device 43 shown in FIG.

The information processing unit 11 includes, for example, a consumption amount information acquisition unit 13, a consumption content information acquisition unit 14, a sorting unit 15, a fund transfer unit 16, and a display information generation unit 17.

The consumption amount information acquisition unit 13 acquires consumption amount information regarding the user's consumption amount. The consumption amount information acquisition unit 13 acquires the consumption amount of the user related to the payment service from the payment server 5 via, for example, the communication network N shown in FIG. The consumption amount information acquisition unit 13 records the acquired consumption amount information in the recording unit 12 as the consumption amount information CI. The details of the consumption amount information CI will be described later with reference to FIG.

The consumption content information acquisition unit 14 acquires consumption content information related to the user's consumption content. The consumption content information acquisition unit 14 acquires information on the consumption content of the user who has used the payment service from the payment server 5 via, for example, the communication network N. The consumption content information acquisition unit 14 records the acquired consumption content information in the recording unit 12 as consumption content information.

Sorting unit 15 sorts funds in a savings account for one or more deposit purposes. For example, the sorting unit 15 sorts funds based on a preset allocation ratio for each deposit purpose. According to this configuration, since the allocation ratio can be set for each deposit purpose, the user can freely adjust the progress of savings for each deposit purpose.

The sorting unit 15 may sort the funds for the purpose of deposit associated with the consumption content based on the consumption content information acquired by the consumption content information acquisition unit 14. For example, when a user pays for meals using a payment service, the funds are sorted for the purpose of depositing food expenses (for example, "going to a high-class restaurant" for the purpose of depositing). According to this configuration, the user can easily save money for a specific deposit purpose by linking the consumption content and the deposit purpose content.

The fund transfer unit 16 transfers an amount of funds that increases as the user's consumption increases from the savings account to the savings account. For example, the fund transfer unit 16 transfers an amount of funds that increases according to the amount of debit card used by the user from the savings account to the savings account. According to this configuration, the fact of use of the debit card is immediately reflected due to the characteristics of the debit card. Therefore, when a debit card is used, funds are quickly transferred from the savings account to the savings account, that is, there is immediacy in the transfer of funds using the debit card.

The fund transfer unit 16 may transfer an amount of funds that increases according to an increase in the amount of consumption of the user in a predetermined period from the savings account to the savings account. The predetermined period may be, for example, one hour, several hours, one day, or several days. According to this configuration, it is possible to calculate the funds to be transferred by summarizing the consumption amount of the user in a predetermined period.

The display information generation unit 17 generates display information for displaying various screens related to the account management support process on the user terminal 7 used by the user. Details of the various screens will be described later with reference to FIGS. 8 to 16.

The recording unit 12 typically records a user information UI regarding a user, a purpose-specific deposit information DI regarding a purpose-specific deposit, and a consumption amount information CI regarding a user's consumption amount. The user information UI is, for example, a user ID that identifies the user, a user password, an ID of a savings account that the user has opened at a financial institution, and an ID of a savings account that the user has opened at a financial institution. including.

The purpose-specific deposit information DI is, for example, a user ID, the balance of the user's savings deposit account corresponding to the user ID, the purpose of deposit, the target amount of deposit by purpose, and the balance of deposit by purpose. It includes the balance, the reserve ratio of deposits by purpose, and the reserve status indicating the status of deposits by purpose. Further, for example, when the monthly accumulation process is further performed, the purpose-specific deposit information DI may further include the monthly accumulation amount, the accumulation execution date, and the like. For each user ID, the total balance of deposits by purpose matches the balance of the savings account. Further, the accumulation execution date may be set from the end of the month, the beginning of the month, the 10th day of each month, or the like, or may be freely set by the user.

The consumption amount information CI is, for example, the user ID, the total of the consumption amount corresponding to the user ID, the content of each payment service, the consumption amount of each payment service, the consumption content using each payment service, and the consumption content. including. In this way, the recording unit 12 accumulates information on the consumption amount of each user as the consumption amount information CI. Further, the recording unit 12 may record the increase amount (increase amount) of the consumption amount as the consumption amount information CI at each predetermined period or at each use timing of the payment service.

<Account management support processing>
The operation of the settlement process according to the embodiment of the present invention will be described with reference to FIG. 7. FIG. 7 is a flowchart showing an example of the flow of payment processing according to the embodiment of the present invention. As shown in FIG. 7, the account management support server 1 shown in FIG. 1 acquires consumption amount information regarding the user's consumption amount related to the payment service from the payment server 5 via the communication network N (step S1). The account management support server 1 acquires and manages the usage amount for each payment service used by the user, for example. The account management support server 1 transfers (or transfers) the amount of funds that increases as the user's consumption increases from the savings account 30 shown in FIG. 1 to the savings account 32 (step S3). The account management support server 1 virtually sorts the balance of the user's savings account 32 (step S5). Since the account management support server 1 sorts the balance for the purpose of deposit, the unit of sorting is specified by the purpose of deposit. The account management support server 1 records, for example, as the purpose-specific deposit information DI shown in FIGS. 3 and 5 in association with the deposit purpose for each user and the amount allocated to the deposit purpose.

Various screens displayed on the display unit of the user terminal 7 shown in FIG. 1 will be described with reference to FIGS. 8 to 16. The display information generation unit 17 shown in FIG. 3 generates display information for displaying these various screens on the user terminal 7. FIG. 8 is a diagram showing an example of an item setting screen in which the contents of various items related to the deposit purpose “overseas travel” can be set. FIG. 9 is a diagram showing an example of a target amount change screen in which the “target amount” for the purpose of deposit can be changed. As shown in FIG. 8, the item setting screen G1 typically includes various items related to “category image”, “title”, accumulation conditions, memos, accumulation status, and the like. For example, when the user selects the "target amount" (360,000 yen) item I1 of the "funding condition" on the item setting screen G1, the screen displayed on the user terminal 7 is displayed from the item setting screen G1 to the deposit shown in FIG. Go to the target amount change screen G3 where the "target amount" of the purpose "overseas travel" can be changed. Then, when the user operates the virtual keyboard VK displayed on the target amount change screen G3 to set, for example, "250,000 yen", the "target amount" of the deposit purpose "overseas travel" starts from 360,000 yen. It will be changed to 250,000 yen.

According to this configuration, the user can easily set or change the contents of various items related to a specific deposit purpose.

The user can change the setting of an item different from the "target amount" item of the "funding condition" on the item setting screen G1. For example, when the user selects the "Title" item on the item setting screen G1, the screen changes to a screen different from the item setting screen G1, and the content of the "Title" item is changed from "Hawaii trip to Halekulani" to another title. Can be changed to.

FIG. 10 is a diagram showing an example of a transfer ratio setting screen in which the contents of the transfer ratio (allocation ratio) of funds for each of a plurality of deposit purposes can be set. FIG. 11 is a diagram showing an example of a transfer ratio change screen in which the transfer ratio of the deposit purpose “go to an eel famous store!” Can be changed among a plurality of deposit purposes. As shown in FIG. 10, the transfer ratio setting screen G5 includes, for example, a “total debit reserve ratio” item and a “target-specific debit usage amount transfer ratio” item for each deposit purpose. For example, when the user selects the "transfer ratio" item I3 of the deposit purpose "go to an eel famous store! 10%" on the transfer ratio setting screen G5, the screen displayed on the user terminal 7 is displayed from the transfer ratio setting screen G5. Transition to the transfer ratio change screen G7 where the "transfer ratio" of the deposit purpose "go to the famous eel store! 10%" shown in 11 can be changed. Then, the user can change the transfer ratio by operating the transfer ratio selection screen SG1 displayed on the transfer ratio change screen G7.

The transfer ratio selection screen SG1 is, for example, a screen including a number picker. As shown in FIG. 11, for example, on the screen including the number picker, the hundreds digit, the tens digit, and the ones digit can be divided and the percentage corresponding to the transfer ratio can be selected. Further, the transfer ratio can be selected in the range of 0% to 500%, for example, but is not limited to this range. For example, when the user selects 100% on the number picker screen, the "transfer ratio" of the deposit purpose "go to a famous eel store! 10%" is changed to 100%.

According to this configuration, the user can easily confirm the reserve ratio for each of a plurality of deposit purposes. In addition, the user can easily set or change the content of the reserve ratio for a specific deposit purpose.

FIG. 12 is a diagram showing an example of a reserve state change screen in which the contents of the reserve state or the transfer state (sorting status) for each of a plurality of deposit purposes can be changed. FIG. 13 is a diagram showing an example of a reserve state change screen when the reserve state for a specific deposit purpose is changed from “reserve” to “stopped”. FIG. 14 is a diagram showing an example of a funded state change screen when the funded state for a specific deposit purpose is changed from “stopped” to “funded”. As shown in FIG. 12, the reserve state setting screen G9 includes, for example, a plurality of items indicating the reserve status for each deposit purpose. The item indicating the funded state for each of the plurality of deposit purposes includes, for example, a slide button SB corresponding to the funded state for each of the plurality of deposit purposes. For example, when the user operates the slide button SB1 (“reserve”) of the deposit purpose “Halekulani stay in Hawaii” item I5 on the reserve state setting screen G9, the screen displayed on the user terminal 7 is displayed from the reserve state setting screen G9. , Transition to the accumulation state change screen G11 shown in FIG. On the funded state change screen G11, the “funded state” of item I5 of the deposit purpose “halekulani stay in Hawaii” is changed to the slide button SB1 (“stopped”). Then, the user presses the "OK" button B3 included in the screen G13 to confirm the changed content.

Further, as shown in FIG. 12, when the user operates the slide button SB3 (“stopped”) of the deposit purpose “purchase A brand clothes” item I7 on the reserve state setting screen G9, the display is displayed on the user terminal 7. The screen transitions from the reserve state setting screen G9 to the reserve state change screen G11 shown in FIG. On the funded state change screen G11, the “funded state” of the item “Purchase A brand clothes” item I7 for the purpose of deposit is changed to the slide button SB3 (“funding”). Then, the user presses the "OK" button B11 included in the screen G15 to confirm the changed content.

According to this configuration, the user can easily check the reserve status for each of a plurality of deposit purposes. In addition, the user can easily set or change the contents of the reserve state for a specific deposit purpose.

FIG. 15 is a diagram showing an example of a fund transfer screen for transferring funds in a savings account to a savings account. As shown in FIG. 15, the fund transfer screen G17 displays, for example, a plurality of deposit statuses for the purpose of deposit. For example, when the user selects the check button CB1 of the deposit purpose "Halekrani stay in Hawaii trip" item I9 on the fund transfer screen G17 and presses the transfer button B13, the deposit purpose "Halekrani stay in Hawaii trip" in the savings deposit account. All of the reserve fund may be transferred to a savings account.

According to this configuration, the user can easily confirm the reserve amount for each of a plurality of deposit purposes. In addition, the user can transfer the reserve amount for a specific deposit purpose in the savings deposit account to the savings account.

It should be noted that the user can adjust the funds to be transferred to the savings account after selecting the check button CB1 of the deposit purpose "Travel to Hawaii for staying in Harekrani" item I9 on the fund transfer screen G17 and pressing the transfer button B13. You may transition to the screen (not shown). In this case, on the fund adjustment screen, the user can set at least a part of the current reserve fund for the purpose of deposit "Hawaii trip to Harekrani" in the savings account as the transfer amount to the savings account.

According to this configuration, the user can easily set or change the transfer amount from the reserve amount for a specific deposit purpose in the savings deposit account to the savings account.

FIG. 16 is a diagram showing an example of a deposit purpose deletion screen for deleting the specific deposit purpose after transferring the funds for the specific deposit purpose in the savings deposit account to the savings account. As shown in FIG. 16, the deposit purpose deletion screen G19 shows, for example, a plurality of deposit purposes after transferring funds to a savings account. For example, when the user selects the check button CB3 of the deposit purpose "Hawaii trip to Harekrani" item I11 on the deposit purpose deletion screen G19 and presses the delete button B15, the deposit purpose "Hawaii trip to Harekrani stay" in the savings deposit account is pressed. Is deleted. In addition, the user can collectively delete a plurality of deposit purposes in the savings deposit account by selecting the respective check boxes of the plurality of deposit purpose items on the deposit purpose deletion screen G19.

According to this configuration, the user can easily confirm a plurality of deposit purposes after transferring the funds to the savings account. In addition, the user can easily delete at least a part of the plurality of deposit purposes after transferring the funds to the savings account.

As described above, according to the embodiment of the present invention, the amount of funds that increases as the user's consumption increases is transferred from the savings account to the savings account. Therefore, it is possible to appropriately save the deposit for each purpose desired by the user. Further, since the transfer fund (saving amount) is determined according to the increase in the consumption amount of the user, it is possible to promote the daily consumption of the user.

FIG. 17 is a diagram showing an example of a computer hardware configuration according to an embodiment of the present invention. With reference to FIG. 17, as the account management support server 1, the account system server 3, the settlement server 5, or the user terminal 7 shown in FIG. 1, or as the account management support server 1, the account system server 3, the settlement server 5, or An example of the hardware configuration of the computer that can be used to configure the user terminal 7 will be described.

As shown in FIG. 17, the computer 40 mainly includes a processor 41, a main recording device 42, an auxiliary recording device 43, an input / output interface 44, and a communication interface 45 as hardware resources. These are connected to each other via a bus line 46 including an address bus, a data bus, a control bus, and the like. An interface circuit (not shown) may be appropriately interposed between the bus line 46 and each hardware resource.

The processor 41 controls the entire computer. The main recording device 42 provides a work area for the processor 41, and is a volatile memory such as a SRAM (Static Random Access Memory) or a DRAM (Dynamic Random Access Memory). The auxiliary recording device 43 is a non-volatile memory such as an HDD, SSD, or flash memory that stores software programs and data. The program, data, or the like is loaded from the auxiliary recording device 43 to the main recording device 42 via the bus line 46 at an arbitrary time.

The input / output interface 44 performs one or both of presenting information and receiving input of information, and is a digital camera, keyboard, mouse, display, touch panel display, microphone, speaker, temperature sensor, or the like. is there.

It will be apparent to those skilled in the art that the collaboration of the hardware resources and software exemplified above allows the computer 40 to function as a desired means, perform a desired step, and achieve a desired function. is there.

Each of the above embodiments is for facilitating the understanding of the present invention, and does not limit the interpretation of the present invention. The present invention can be modified / improved without departing from the spirit of the present invention, and the present invention also includes an equivalent thereof.

1 ... Account management support server, 3 ... Account system server, 5 ... Payment server, 7 ... User terminal, 11 ... Information processing department, 12 ... Recording department, 13 ... Consumption amount information acquisition department, 14 ... Consumption content information acquisition department, 15 ... Sorting department, 16 ... Money transfer department, 17 ... Display information generation unit, 30 ... Savings deposit account, 32 ... Savings deposit account, 40 ... Computer, 41 ... Processor, 42 ... Main recording device, 43 ... Auxiliary recording device, 44 ... I / O interface, 45 ... Communication interface, 46 ... Bus line, 100 ... Account management support system

Claims (10)

An account management support server that supports the management of multiple accounts.
The consumption amount information acquisition department that acquires the consumption amount information related to the user's consumption amount,
Based on the consumption amount information, a fund transfer unit that transfers an amount of funds that increases according to the increase in the consumption amount from the first account to a second account different from the first account.
The second account is provided with a sorting unit for sorting the funds for the purpose of depositing one or more deposits.
The sorting unit sorts the funds based on a preset allocation ratio for each deposit purpose.
Account management support server. The fund transfer unit transfers an amount of funds that increases according to the usage amount of the debit card used by the user from the first account to the second account.
The account management support server according to claim 1. The increase in the amount of consumption includes an increase in the amount of consumption of the user in a predetermined period.
The fund transfer unit transfers an amount of funds that increases in accordance with an increase in the amount of consumption in the predetermined period from the first account to the second account.
The account management support server according to claim 1. A display information generation unit that generates display information for displaying a screen showing the sorting status of the funds for each deposit purpose or the distribution ratio of the funds for each deposit purpose on a user terminal used by the user. Further prepare
Account management support server according to any one of claims 1 to 3. The display information generation unit generates display information for displaying on the user terminal a screen in which the sorting status of the funds for each deposit purpose or the distribution ratio of the funds for each deposit purpose can be changed. To do,
The account management support server according to claim 4. The display information generation unit generates display information for displaying the screen for moving the funds in the second account to the first account for each deposit purpose on the user terminal.
The account management support server according to claim 4 or 5. The first account is a savings account,
The second account is a savings account,
The account management support server according to any one of claims 1 to 6. The fund transfer unit further executes at least one of transferring a predetermined amount of funds at an arbitrary timing based on an instruction from the user, or periodically transferring a predetermined amount of funds.
The account management support server according to any one of claims 1 to 7. An account management support method executed by a computer that supports the management of multiple accounts.
Steps to get consumption information about the user's consumption,
Based on the consumption amount information, a step of transferring an amount of funds that increases according to the increase in the consumption amount from the first account to a second account different from the first account, and
Look including the steps of: sorting said funds in one or more deposits purposes in the second account,
The sorting step sorts the funds based on a preset allocation ratio for each deposit purpose.
Account management support method. A computer that helps manage multiple accounts,
The consumption amount information acquisition department that acquires the consumption amount information related to the user's consumption amount,
Based on the consumption amount information, a fund transfer unit that transfers an amount of funds that increases according to the increase in the consumption amount from the first account to a second account different from the first account.
It functions as a sorting unit that sorts the funds for the purpose of depositing one or more in the second account .
The sorting unit sorts the funds based on a preset allocation ratio for each deposit purpose.
program.

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