JP7706735B2 - Household accounting processing system, household accounting processing device, household accounting processing method, and household accounting processing program - Google Patents

Description

The present invention relates to a household accounting processing system, a household accounting processing device, a household accounting processing method, and a household accounting processing program, and in particular to a household accounting processing system, a household accounting processing device, a household accounting processing method, and a household accounting processing program that suitably classify cashless payment information.

Conventionally, there are household accounting application programs called "household accounting apps" that are installed on smartphones and the like. Non-Patent Document 1 introduces household accounting apps with the names "Money Forward (registered trademark)" and "Zaim (registered trademark)."

According to the description in Non-Patent Document 1, these household accounting apps allow users to "automatically create a household accounting book by registering a bank account, credit card, electronic money, etc." The way this works is that "the company providing the app obtains data such as deposit and withdrawal history and balances from the registered financial institutions on behalf of the user" and "based on that data, the app categorizes expenses by category such as food and utility bills and creates a household accounting book."

Non-Patent Document 2 states that "approximately 50% of people keep a household account book, and approximately 30% use a household account book app," and also shows the results of a survey on "the reasons for using a household account book app" among users of household account book apps. The results show that the most common reason given is "to easily manage my financial income and expenditure," followed by "to know what I spent my money on."

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However, when we actually installed the two household accounting apps described in Non-Patent Document 1 on a smartphone and tested them, we found that there was room for improvement for the reasons described below.

First, when one of the inventors investigated the credit card usage, over 70% of the items were judged to be "unclassified" in both household accounting apps. From this, it is clear that there is room for improvement in terms of "understanding what was spent on" as described in Non-Patent Document 2.

Next, purchases made at convenience stores and supermarkets and paid for with a credit card were uniformly categorized as "groceries" in both household accounting apps, while purchases made at department stores and paid for with a credit card were uniformly categorized as "clothing and beauty" in the case of Money Forward and as "clothing" in the case of Zaim.

In the future, it is expected that the use of credit cards and electronic money will increase as cashless transactions become more widespread in Japan. For this reason, these points need to be improved in order to provide a household accounting app that satisfies user needs.

This applies not only to household accounting apps that are installed and used on smartphones, but also to cases where a household accounting processing program is stored on a cloud server, the cloud server is accessed from a personal computer, and household accounting processing is performed on the cloud server.

The present invention aims to enable a user to easily ascertain the correct category information of a payment destination where a cashless payment has been made in a household accounting processing program including a household accounting app and an associated system.

In order to solve the above problems, the household accounting processing system of the present invention comprises:
An estimation means (e.g., the estimation means 230 in FIG. 3) for estimating category information corresponding to an input payment destination;
A storage medium (e.g., the storage medium 250 in FIG. 3) in which a set of a payment destination and an evaluation of category information for each user is stored;
An acquisition means (e.g., the communication means 210 in FIG. 3) for acquiring cashless payment information including at least a payment destination of a specific user;
A determination means (e.g., the determination means 220 in FIG. 3) that determines, using the storage medium and the estimation means, category information to be presented to the specific user based on the payment destination acquired by the acquisition means, under a condition that category information determined using the storage medium is prioritized;
A presentation means (e.g., the display means 120 in FIG. 2 ) that presents the category information identified by the identification means to the specific user together with the cashless payment information;
A receiving unit (e.g., the receiving unit 130 in FIG. 2 ) that receives a user's evaluation of the category information presented by the presenting unit;
an update means (e.g., update means 240 in FIG. 3) for updating the storage medium in accordance with the evaluation received by the reception means;
Equipped with.

Furthermore, a learning means (e.g., learning means 260 in FIG. 3) may be provided that learns the estimation means using the plurality of pairs stored in the storage medium as learning data.

In addition, the household accounting processing device is
The presentation means;
The reception means;
a transmission means (e.g., the communication means 110 in FIG. 2 ) for transmitting the user's evaluation received by the reception means to a server device including at least the acquisition means;
The present invention may also include:

Furthermore, the household account book processing method of the present invention includes:
An acquisition step of acquiring cashless payment information including at least a payment destination of a specific user;
a specifying step of specifying category information to be presented to the specific user based on the payment destination acquired in the acquiring step, using an estimating means for estimating category information corresponding to the storage medium and the input payment destination under a condition that category information specified using the storage medium is prioritized for each user, the storage medium storing a pair of the payment destination and an evaluation of the category information;
a presentation step of presenting the category information identified by the identification step to the specific user together with the cashless payment information;
a receiving step of receiving a user's evaluation of the category information presented in the presenting step;
an updating step of updating the storage medium in accordance with the evaluation received in the receiving step;
Includes.

Furthermore, the household accounting processing program of the present invention is
The presenting step;
The receiving step;
a transmission step of transmitting the user's evaluation received in the reception step to a server device in which at least the acquisition step is executed;
The present invention causes an information processing device to execute the above.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

The following describes an embodiment of the present invention with reference to the drawings.

Figure 1 is a schematic diagram of a household accounting processing system according to an embodiment of the present invention. Figure 1 shows an information processing device 100, a server device 200, a payment device 300, a store terminal 400, an advertising terminal 500, and a network 600, which are described below.

The information processing device 100 is a general term for devices that are operated by a user and function as a household accounting processing device, such as a smartphone, personal computer, tablet device, PDA, or mobile phone. The information processing device 100 is not limited to these devices as long as they have a calculation function and a communication function. In the following, in this embodiment, the case where the information processing device 100 is mainly a smartphone 100 will be described as an example.

The server device 200 is managed by a service provider of the household accounting app of this embodiment. The server device 200 mainly provides various services, such as registering various information related to the household accounting app of the user who operates the smartphone 100, and acquiring cashless payment information including at least the payment destination from the payment device 300 and transmitting it to the smartphone 100. Note that the cashless payment information typically also includes the payment amount and the payment date.

The payment device 300 is managed by a payment business operator that provides cashless services such as credit card services and electronic money services. The payment device 300 mainly pays the payment amount to the store according to the cashless payment information transmitted from the store terminal 400, withdraws the payment amount from the corresponding user's bank account or settles the deposited electronic money, and transmits the cashless payment information to the server device 200 in response to a request from the server device 200.

The store terminal 400 is installed in various stores, such as restaurants, department stores, and convenience stores. Note that the store referred to here may not only be a physical store, but also a virtual store on a network. The store terminal 400 mainly reads credit card information and the like when making a cashless payment for the purchase price of a product, etc., and transmits this information to the payment device 300 along with the payment amount and information identifying the store terminal (store terminal ID), and performs the cashless payment with the approval of the payment device 30.

The advertising terminal 500 delivers advertisements to be displayed on the display of the smartphone 100 on which the household accounting app is installed while the household accounting app is running. There is no restriction on the type of advertisement delivered by the advertising terminal 500. Therefore, for example, impression-based advertising, in which an advertising fee is charged according to the number of times an advertisement is displayed, click-based advertising, in which an advertising fee is charged according to the number of times an advertisement is clicked, and performance-based advertising, in which an advertising fee is charged when an app is downloaded from an advertisement, can be adopted as appropriate.

Network 600 is a general term for various networks such as the Internet and mobile phone networks. Note that network 600 also includes wireless networks such as Wi-Fi and Bluetooth, and local area networks set up locally.

Figure 2 is a schematic internal configuration diagram of the information processing device (smartphone) 100 shown in Figure 1. The smartphone 100 includes a communication means 110, a display means 120, and a reception means 130, which are described below.

The communication means 110 transmits various user information related to the household accounting app input by the user to the server device 200. The communication means 110 also receives various information related to the household accounting app transmitted from the server device 200. The various information here includes cashless payment information and category information described below. Furthermore, the communication means 110 receives advertisements transmitted from the advertising terminal 500, which are displayed on the display when the household accounting app is launched on the smartphone 100.

Examples of user information related to the household accounting app include the user's name, address, telephone number, and email address, bank account information (branch number and account number) under the user's name, card numbers, expiration dates, and security codes for credit cards, electronic money cards, etc. under the user's name, and a login ID (user ID) and password required to receive various services provided by the household accounting processing system of this embodiment.

In addition, cashless payment information is typically sent from the store terminal 400, and then transmitted to the smartphone 100 via the payment device 300 and the server device 200.

The display means 120 presents the cashless payment information and category information, etc., transmitted from the server device 200 to the user by displaying them on the display of the smartphone 100. The display means 120 also displays advertisements delivered from the advertising terminal 500 on the display as appropriate.

The reception means 130 receives various information input by the user in accordance with the items displayed by the display means 120. The various information referred to here includes user information input prior to receiving the services of the household accounting processing system of this embodiment, and the user's evaluation of the category information presented by the household accounting processing system. This type of information is usually transmitted to the server device 200 by the communication means 110, but may also be stored in the smartphone 100 itself.

The user's evaluation here can be, for example, the result of the user's expression of intent as to whether or not they judge the category information displayed by the display means 120 to match the actual category information. However, the evaluation is not limited to this, and also includes, for example, the changed category information when the user judges that they do not match and changes the displayed category information to the actual category information.

Figure 3 is a schematic internal configuration diagram of the server device 200 shown in Figure 1. The server device 200 includes a communication means 210, a specification means 220, an estimation means 230, an update means 240, a storage medium 250, and a learning means 260, which are described below.

The server device 200 is required to have at least the communication means 210, and other means may be provided in the smartphone 100, or may be realized by hardware separate from the smartphone 100 and the server device 200 and connected to the network 600.

The communication means 210 transmits various information related to the household accounting app to the smartphone 100. The communication means 210 also receives various information related to the household accounting app transmitted from the smartphone 100. Furthermore, the communication means 210 accesses the payment device 300 to obtain cashless payment information.

The communication means 210 may be of a so-called push type, in which a message is sent to the smartphone 100 when a specific time set by the user or the like arrives, or of a so-called pull type, in which a message is sent in response to a request from the smartphone 100.

The identification means 220 uses the estimation means 230 and the storage medium 250 to identify category information to be presented to a specific user based on the payment destination included in the cashless payment information acquired by the communication means 210. The identification means 220 prioritizes the category information identified using the storage medium 350 as the identification target.

The behavior of the identification unit 220 is as follows for the estimation unit 230 and the storage medium 250:
(1) In the case where the server device 200 is provided with both of these,
(2) In a case where the server device 200 includes the estimation means 230 and the smartphone 100 includes the storage medium 250,
(3) In the case where the server device 200 includes the estimation means 230 and the storage medium 250 is realized by separate hardware and connected to the network 600,
(4) When each is realized by separate hardware and connected to the network 600,
These can be broadly divided into three types, and in some cases it is necessary to have the smartphone 100 execute part of the specific processing in the specific means 220 (for convenience, hereinafter, the part of the specific processing in the smartphone 100 will be described as the "specific means 220'").

In the case of (1), for example, the identification means 220 [a] refers to the storage medium 250 based on the payment destination to check whether the category information corresponding to the specific user is stored, and if the category information is stored, the category information is identified; if not, [b] inputs the payment destination to the estimation means 230 and identifies the estimated category as the identification target. Of course, the order of processing using the estimation means 230 and the storage medium 250 may be reversed, or these may be performed simultaneously, but as a result, if the category information corresponding to the storage medium 250 is stored, the category information is identified.

In the case of (2), for example, the identification means 220 performs the identification process of [b] above, transmits the estimated category information together with the cashless payment information to the smartphone 100, and the identification means 220' performs the identification process of [a] above. If the result of the identification process of [a] shows that category information corresponding to the payment destination is stored, the category information is identified; otherwise, the category information estimated by the identification process of [b] is identified.

In the case of (3), for example, the identification process of [a] in (2) can be performed by either the server device 200 or the smartphone 100. When performed by the server device 200, the behavior of the smartphone 100 is the same as in the case of (1). On the other hand, when performed by the smartphone 100, the behavior of the server device 200 is the same as in the case of (2).

In the case of (4), for example, processing can be performed in any of the above modes (1) to (3). Alternatively, the identification means 220' can perform identification processing for both [a] and [b]. In this case, the communication means 210 will access the payment device 300 and send only the cashless payment information to the smartphone 100.

The estimation means 230 estimates category information corresponding to the input payment destination. The estimation means 230 can be realized, for example, by an artificial intelligence device trained by the learning means 260 as described below, or can be realized by a database that stores multiple pairs of payment destinations and corresponding category information.

The update means 240 updates the storage medium 250 in accordance with the user's evaluation that is accepted by the acceptance means 130 and received by the communication means 210. Specifically, when the user believes that the category information displayed by the display means 120 is incorrect and changes it, as described below, the update means 240 reflects the changes in the storage medium 250.

In addition, when category information for a payment destination that includes the same character string in its name, such as a chain store with only different branch names, is changed, the update means 240 can also update the category information for the payment destination that includes the same character string.

The update means 240 may also update the category information so that when the reception means 130 receives the same changed category information for the same payment destination from a predetermined number or more users, the changed category information is output as the estimation result of the estimation means 230. For example, when the estimation means 230 is realized by an artificial intelligence device, the weighting can be adjusted by backpropagation or the like, and when the estimation means 230 is realized by a database, the corresponding category information can be changed.

The storage medium 250 stores a set of a payment destination and an evaluation of category information for each user, which is accepted by the accepting means 130 and received by the communication means 210. Specifically, for example, the storage medium 250 stores a set of a payment destination and the user's evaluation of the corresponding category information for the past several times.

The learning means 260 learns the estimation means 230, for example, using a plurality of pairs stored in the storage medium 250 as learning data. In particular, by providing the estimation means 230 and the learning means 260, the storage contents of the storage medium 250 become more comprehensive as the number of users using the household accounting processing system of this embodiment increases, and this has the advantage that the number of payment destinations displayed as unclassified decreases.

In addition, by providing the storage medium 250, learning data is accumulated in the storage medium 250, which increases the quality of the storage contents of the storage medium 250, and the category information presented to the user is prioritized based on the category information identified using the storage medium 250, making it possible to present category information customized for each user.

Figure 4 shows an example of an image displayed on the display of the smartphone 100 by the display means 120 shown in Figure 2 when registering user information.

Figure 4(a) shows, for example, input fields for the user's name, address, telephone number, and email address. When the user operates the smartphone 100 to input information corresponding to each input field shown in Figure 4(a) and then taps the "Next" button, the display on the smartphone 100 transitions from Figure 4(a) to Figure 4(b).

Figure 4(b) shows input fields for the name, card number, PIN, and security code of the credit card owned by the user. When the user operates the smartphone 100 to input information corresponding to each input field shown in Figure 4(b) and then taps the "Next" button, the display on the smartphone 100 transitions from Figure 4(b) to Figure 4(c).

Note that while an example of entering information for a credit card is shown here, the information required to obtain cashless payment information can also be entered for electronic money cards.

In addition, instead of inputting the information shown in FIG. 4(b), the household accounting app may be allowed to partner with a credit card company, and if the user permits the partnership, the credit card information may be sent to the server device 200 via the credit card company.

Figure 4(c) shows input fields for a login ID and password that are required when the user launches the household accounting app in order to receive various services provided by the household accounting processing system of this embodiment. When the user operates the smartphone 100 to input information corresponding to each input field shown in Figure 4(c) and then taps the "Next" button, the various pieces of information input by the user are accepted by the acceptance means 130, and then these various pieces of information are transmitted to the server device 200 by the communication means 110.

When the server device 200 receives the information via the communication means 210, it registers the information as a set of user information in a user information database (not shown), provided that there are no missing or incomplete information. This completes the pre-registration of the user information, and the user can receive the services provided by the household accounting processing system of this embodiment.

Figure 5 shows example images of cashless payment information and category information displayed on the display of the smartphone 100 by the display means 120 shown in Figure 2. Figure 5(a) shows an example of the display of card usage information that is displayed when a specific user makes a credit card payment on a certain day.

In this example, a card payment is made to a payment destination "XX convenience store Tokyo branch" for a payment amount of "550 yen" and to a payment destination "XX department store Tokyo branch" for a payment amount of "4,400 yen", and the server device 200 displays "food" and "clothing" in display areas A and B of category information corresponding to these payment destinations, respectively.

In this embodiment, for example, each user can freely set the time for obtaining cashless payment information (e.g., 7 p.m. every day, 8 p.m. every Saturday) in the household accounting app. Of course, this time may not be set by the user, but may be determined by the server device 200 or the like.

When this time arrives for a particular user, the user's smartphone 100 launches a household accounting app. Then, the communication means 110 makes a request to the server device 200 in accordance with the household accounting app to obtain cashless payment information, attaching the user ID.

When the server device 200 receives an acquisition request from the smartphone 100 via the communication means 210, the communication means 210 accesses the payment device 300 to acquire the cashless payment information of the specific user.

Next, in the server device 200, for example, the identification means 220 refers to the storage medium 250 based on the payment destination included in the cashless payment information, and checks whether the corresponding category information for that specific user is stored.

If category information corresponding to the payment destination is stored, the category information is used as the identification target, otherwise the payment destination is input to the estimation means 230 and the estimated category identification is used as the identification target. Then, in the server device 200, the communication means 210 transmits the cashless payment information and the category information to the smartphone 100.

When the smartphone 100 receives the cashless payment information and the category information transmitted from the server device 200 via the communication means 110, the display means 120 displays them on the display of the smartphone 100. An example of the display is shown in FIG. 5(a).

Here, if the specific user makes a card payment of "4,400 yen" to the payment destination "XX Department Store Tokyo Branch" and the category is not "Clothing," when the user taps on display area B that says "Clothing," the display on the smartphone 100 will transition from the display shown in FIG. 5(a) to that shown in FIG. 5(b).

In FIG. 5(b), instead of the display area 10B, a selection area B' for other category information is displayed. For example, if the category for which the user made a card payment at the payment destination "XX Department Store Tokyo Branch" is "Gifts," the user can tap on it to select it.

Furthermore, although not shown in FIG. 5(b), for example, when a card payment of "6,945 yen" is made to the payment destination "Supermarket ◇◇ Ebisu Branch," if the category is "daily necessities" rather than "food," the user can perform the same operation to change the category information as in the above case.

When "OK" is tapped on the smartphone 100, the changed category information is accepted by the accepting means 130. Then, the communication means 110 transmits the user's evaluation of the category information to the server device 200.

When the server device 200 receives the user's evaluation of the category information sent from the smartphone 100 via the communication means 210, it updates the storage medium 250 accordingly.

Figure 6 is a diagram showing an example of information storage in the storage medium 250 shown in Figure 3. Figure 6 shows an example in which a payment destination "XX Department Store" for a particular user, changed category information "Gifts" at priority level 1, and previous category information "Clothing" at priority level 2 are stored as a set, and similarly, a payment destination "Supermarket ◇◇" for the user, changed category information "Daily necessities" at priority level 1, and previous category information "Groceries" at priority level 2 are stored as a set.

In this example, "Gifts" is stored as the category information for the first priority of the payment destination "XX Department Store," but "Clothing" was previously stored. Therefore, if the user subsequently makes a cashless payment at "XX Department Store," the category information displayed next time on the user's smartphone 100 will be "Gifts."

As a result, in this embodiment, category information identified using the storage medium 250 can be presented to the user in priority over category information identified using the estimation means 230.

In FIG. 5, for example, it says "XX Department Store Tokyo Branch," and in FIG. 6, for example, it says "XX Department Store." The difference between these is whether or not there is a branch name "Tokyo Branch," but apart from that, the character string is the same, "XX Department Store." When there are payment destinations with the same character string in their names, such as chain stores, one method is to make the storage format of storage medium 250 as shown in FIG. 6. Of course, the storage format in FIG. 6 can also be "XX Department Store Tokyo Branch," as shown in FIG. 5.

In the case of the storage mode shown in FIG. 6, when a particular user changes the category information for a payment destination, for example, "XX Department Store Shinjuku Branch," for the first time, the information is registered for the first time in the storage medium 250 by an update process performed by the update means 240. At this time, a method can be adopted in which morphological analysis is performed on the payment destination "XX Department Store Shinjuku Branch" so that the branch name "Shinjuku Branch" is not stored.

In response to this, when the identification means 220 refers to the storage medium 250, it can perform the identification process using only the character string "XX Department Store" that does not include the branch name "Shinjuku Store" using a similar method.

1 is a schematic configuration diagram of a household accounting processing system according to an embodiment of the present invention; FIG. 2 is a schematic internal configuration diagram of an information processing device (smartphone) 100 shown in FIG. FIG. 2 is a schematic internal configuration diagram of a server device 200 shown in FIG. 1 . 3 is a diagram showing an example of an image displayed on the display of the smartphone 100 by the display unit 120 shown in FIG. 2 when registering user information. FIG. 3 is a diagram showing an example image of cashless payment information and category information displayed on the display of the smartphone 100 by the display unit 120 shown in FIG. 2. 4 is a diagram showing an example of information stored in a storage medium 250 shown in FIG. 3.

Reference Signs List 100 Information processing device 110 Communication means 120 Display means 130 Acceptance means 200 Server device 210 Communication means 220 Identification means 230 Estimation means 240 Update means 250 Storage medium 260 Learning means 300 Payment device 400 Store terminal 500 Advertising terminal 600 Network

Claims (5)

An artificial intelligence device that estimates category information corresponding to an input payment destination;
a storage medium in which a set of the payment destination and at least category information changed by the user is stored for each user ;
An acquisition means for acquiring cashless payment information including at least a payment destination of a specific user;
a specifying means for specifying category information to be presented to the specific user based on the payment destination acquired by the acquiring means, under a condition that, when category information changed by the specific user is stored in the storage medium, the changed category information stored in the storage medium is given priority over the category information estimated by the artificial intelligence device;
a presentation means for presenting the category information identified by the identification means to the specific user together with the cashless payment information;
a receiving means for receiving a change to the category information presented by the presenting means by the user;
an update means for updating the storage medium in accordance with the changed category information received by the reception means;
A household accounting processing system comprising: 2. The household accounting processing system according to claim 1, further comprising a learning means for learning said artificial intelligence device using said plurality of sets stored in said storage medium as learning data. A household accounting processing device for use in the household accounting processing system according to claim 1,
The presentation means;
The reception means;
a transmission means for transmitting the change in category information made by the user, which change is accepted by the acceptance means, to a server device including at least the acquisition means;
A household accounting processing device comprising: an estimation step of estimating category information corresponding to the input payment destination by an artificial intelligence device;
a storage step of storing a set of the payment destination and at least the category information changed by the user in a storage medium for each user;
An acquisition step of acquiring cashless payment information including at least a payment destination of a specific user;
a specifying step of specifying category information to be presented to the specific user based on the acquired payment destination under a condition that, when category information changed by the specific user is stored in the storage medium, the changed category information stored in the storage medium is given priority over the category information estimated by the artificial intelligence device;
a presentation step of presenting the specified category information together with the cashless payment information to the specific user;
a receiving step of receiving a change to the category information presented by the user in the presenting step;
an updating step of updating the storage medium in accordance with the changed category information received in the receiving step;
A household accounting processing method in which the household accounting processing system performs the above . Among the steps of the household accounting method according to claim 4,
The presenting step;
The receiving step;
a transmission step of transmitting to a server device the change in category information made by the user received in the reception step;
A household accounting processing program that causes an information processing device to execute the above.

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