JP2006164146A - Method and program for purchase management in general purpose account service system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a method and programs for purchase management in an integrated account service system, which provide information on family finances and purchases to a user mobile terminal when purchasing at a shop and assist purchase determination. <P>SOLUTION: A general purpose account service system is constituted of a multiple user mobile terminals 3 and 4, a plurality of financial institution servers 1, and a provider server 2 which creates family finances information in a format requested by a user and retrieves whether or not a target merchandise that a user examines for purchase satisfies purchase conditions. The purchase management method, and the purchase management programs that execute the method in the general purpose account service system have a step for transmitting a merchandise purchase inquiry notification included with purchase target merchandise information from the mobile terminal 3 (4) to the provider server 2, a step for transmitting purchase information that is constituted of family finances information and retrieval results from the provider server 2 to the mobile terminal 3 (4), and a step for displaying the purchase information on the mobile terminal. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention is an electronic household account book that automatically debits accounts of multiple financial institutions and automatically updates and integrates cash payments, and a management system for household information based on an integrated account. The present invention relates to a purchase management method and a purchase management program in an integrated account service system that allows a user to identify purchase conditions set in advance, current household information, and purchase status and assist purchase decisions.

  Conventionally, each financial institution provides various services in order to differentiate customers from other financial institutions in collecting customers. It is common for each household and individual to use various services of financial institutions and to conduct transactions with a plurality of financial institutions in order to manage assets in a distributed manner. When the accounts are integrated, for example, purchase information is not reflected between family members. For this reason, payment and debiting occur for each transaction account, and it becomes complicated to grasp the overall balance and breakdown in the household budget.

  In the household account book data service method and system and the household account book data service program disclosed in Patent Literature 1, the user can easily obtain the household account book data desired by the user without having to access the data providing organization related to the user. In order to provide the household account book data obtained and edited in the form desired by the user without any modification by the user, the service surrogate server receives a service request regarding the household account book data from the user terminal through the communication network.

Then, this service surrogate server inquires the request data desired by the user to the data providing organization, and collects the request data from the data providing organization. The data collected by the service surrogate server is edited into household account book data desired by the user and distributed to the user terminal. Further, after the collection of data desired by the user is completed, the service termination server is notified of the service termination from the user terminal, and the edited household account book data is deleted.
JP 2002-279166 A

  However, the household account book data service method and system and the household account book data service program disclosed in Patent Document 1 solve the problem of inadvertently buying too much or forgetting to purchase when actually making a purchase. I couldn't.

  In view of the above problems, the present invention allows a user to make a purchase decision by presenting and confirming preset purchase conditions, current household information, purchase status, etc. when the user purchases at a store. It is an object of the present invention to provide a purchase management method and a purchase management program in a comprehensive account service system that can assist the customer.

  The invention described in claim 1 comprises information input means for inputting information, first information transmitting / receiving means for exchanging information with the outside via a communication network, and information display means for displaying received information. A plurality of financial institutions comprising a plurality of users' mobile terminals, first information storage means for storing transaction information with the users, and second information transmission / reception means for exchanging information with the outside via a communication network Based on the transaction information acquired from the financial institution server, the second information storage means for storing information, the third information transmitting / receiving means for exchanging information with the outside via a communication network, and the transaction information acquired from the financial institution server The information processing means for creating household information in the format requested by the user and the user's purchase consideration product are transmitted from the portable terminal in advance, and the data of the provider server Purchasing in a comprehensive account service system having an electronic household account book function, comprising a provider server possessed by a provider, and an information retrieval means for performing a search as to whether or not the purchase conditions set and registered in the base are satisfied In the management method, when the user purchases a product, a product purchase inquiry notification having information on the product to be purchased is sent to the provider server by the first information transmitting / receiving unit of the mobile terminal. Transmitted by the third information transmitting / receiving means of the provider server, the step of transmitting purchase information comprising the household information and the search result to the mobile terminal, and the mobile terminal. And a step of displaying the transmitted purchase information by an information display means, Characterized in that the method.

  The invention described in claim 2 is detected in the consumables storage information detecting step by the consumables storage information detecting step of detecting consumables storage information by the consumables detecting unit of information home appliances, and by the information transmitting means of the information home appliances. A first storage information transmission step of receiving storage information of the consumables that has been sent, and transmitting the storage information to a home server installed in the user's residence via a home network; A storage information receiving step of receiving storage information of the transmitted consumables by a fourth information transmitting / receiving unit; a storage information storing step of storing the received storage information by a third information storage unit; The storage information stored in the storage information storage step is stored in the storage information storage step via the home network and the communication network by a fourth information transmission / reception means. , Characterized in that the said second storage information transmission step of transmitting to the portable terminal, and purchasing management method in comprehensive account service system of claim 1 further comprising a.

  The invention according to claim 3 further includes a step of transmitting financial product information to the portable terminal at a predetermined timing by the second information transmitting / receiving means of the financial institution server. It is characterized by being a purchase management method in the comprehensive account service system described.

  The invention according to claim 4 comprises information input means for inputting information, first information transmitting / receiving means for exchanging information with the outside via a communication network, and information display means for displaying received information. A plurality of financial institutions comprising a plurality of users' mobile terminals, first information storage means for storing transaction information with the users, and second information transmission / reception means for exchanging information with the outside via a communication network Based on the transaction information acquired from the financial institution server, the second information storage means for storing information, the third information transmitting / receiving means for exchanging information with the outside via a communication network, and the transaction information acquired from the financial institution server The information processing means for creating household information in the format requested by the user and the user's purchase consideration product are transmitted from the portable terminal in advance, and the data of the provider server Purchasing in a comprehensive account service system having an electronic household account book function, comprising a provider server possessed by a provider, and an information retrieval means for performing a search as to whether or not the purchase conditions set and registered in the base are satisfied A purchase management program for executing a management method, comprising: purchasing a product having information on a product to be considered for purchase when the user purchases the product by the first information transmitting / receiving unit of the mobile terminal in a computer A process of transmitting an inquiry notice to the provider server, and a process of transmitting purchase information comprising the household information and the search result to the portable terminal by the third information transmitting / receiving means of the provider server. And processing for displaying the transmitted purchase information by the information display means of the portable terminal. Characterized in that it was purchasing management program to perform the purchasing management method in the comprehensive account service system that.

  According to a fifth aspect of the present invention, a consumables storage information detection process for detecting consumables storage information by a consumables detection unit for information home appliances and a consumables storage information detection by a information transmission unit for information home appliances in a computer. Receiving storage information of consumables detected in the process, and transmitting the storage information to a home server installed in the user's residence via a home network; and A storage information receiving process for receiving the transmitted storage information of the consumables by the fourth information transmitting / receiving means of the home server, and a storage information storage process for storing the received storage information by the third information storage means The storage information stored in the storage information storage process by the fourth information transmission / reception means at a predetermined time at the home network and the communication network. The purchase management program for executing the purchase management method in the general account service system according to claim 1, further executing a second storage information transmission process to be transmitted to the mobile terminal via a network. And

  According to a sixth aspect of the present invention, the computer further causes the second information transmitting / receiving unit of the financial institution server to further execute a process of transmitting financial product information to the portable terminal at a predetermined timing. A purchase management program for executing the purchase management method in the comprehensive account service system according to 4 or 5 is provided.

  ADVANTAGE OF THE INVENTION According to this invention, when a user purchases in a store, it is possible to present to a user and confirm preset purchase conditions, current household information, purchase status, etc., and to assist a user's purchase decision. The purchase management method and purchase management program in the integrated account service system can be realized.

  The best mode for carrying out the present invention is an information input means for inputting information, a first information transmitting / receiving means for exchanging information with the outside via a communication network, and an information display means for displaying received information. A plurality of portable terminals, a plurality of first information storage means for storing transaction information with the user, and a second information transmission / reception means for exchanging information with the outside via a communication network Based on the transaction information acquired from the financial institution server, the second information storage means for storing the information, the third information transmitting / receiving means for exchanging information with the outside via the communication network, and the financial institution server. In addition, the information processing means for creating household information in the format requested by the user and the product to be considered for purchase by the user are transmitted from the mobile terminal in advance, In a comprehensive account service system having an electronic household account book function, comprising a provider server that a provider has, and an information search means for performing a search as to whether or not the purchase conditions set and registered in the database are satisfied, When the user purchases a product, a product purchase inquiry notification having information on the product that is the subject of purchase consideration is transmitted to the provider server by the first information transmitting / receiving means of the mobile terminal; A step of transmitting purchase information comprising household information and search results to the portable terminal by the third information transmitting / receiving means; a step of displaying the purchased purchase information by the information display means of the portable terminal; And a purchase management program for executing the method.

  Preferred embodiments of the present invention will be described below in detail with reference to the accompanying drawings. The embodiments described below are preferable specific examples of the present invention, and thus various technically preferable limitations are given. However, the scope of the present invention is particularly limited in the following description. Unless otherwise described, the present invention is not limited to these embodiments.

(Embodiment)
A general account service system and its purchase management method in the present embodiment will be described below with reference to the accompanying drawings. FIG. 1 is a functional block diagram of the comprehensive account service system of this embodiment. As shown in FIG. 1, the comprehensive account service system of this embodiment includes a financial institution server 1, a provider server 2 of a provider that provides this service, a user-owned mobile phone having a purchase information transmission function, a payment function, and the like. It consists of terminals 3 and 4, a home server 6 and an information appliance 7 in the house, and these are connected by a communication network 5 and a home appliance home network 8. In the present system connected by a network, various servers and a database (not shown) are arranged. The communication network 5 is linked to a home appliance home network 8 that connects the home server 6 and the information home appliance 7 in the residence.

  The financial institution server 1 is a server owned by the financial institution of the user's business partner, and information storage means 9 for storing the user's transaction information (payment / withdrawal, payment of utility charges, credit card withdrawal, etc.) Send transaction information to the provider server 2, receive payment information from a contract credit company or contract store, or send notifications of financial products, etc. to the user's mobile terminals 3 and 4 The information transmission / reception means 10 is provided. The information storage means 9 is composed of hardware such as a hard disk and RAM used in a general computer. The information transmission / reception means 10 is controlled by the CPU of the financial institution server 1 and includes hardware used in a general computer for exchanging information with other servers via a network.

  The provider server 2 is a server that provides a service of the comprehensive account service system. The provider server 2 includes information storage means 14, information transmission / reception means 15, information search means 16, and information processing means 17. The information storage means 14 has a function of storing various information transmitted from the mobile terminals 3 and 4, the financial institution server 1, the mobile terminals 3 and 4, and the home server 6, and is a hard disk used for a general computer. It consists of hardware such as RAM. The information transmission / reception means 15 is controlled by the CPU of the provider server 2 and comprises hardware used for a general computer for exchanging information with other servers via a network.

  The information search means 16 (which will be described in detail later) includes purchase information related to a product that the user who is considering purchasing the product at the store uses the mobile terminal 3 or the mobile terminal 4 to purchase. When a product purchase inquiry notification is transmitted to the provider server 2, the purchase condition information that is preset and registered in the information storage means of the provider server 2 and allows the purchase information of the purchase-considered product to be accepted It has the function to search whether it is. Information processing means 17 integrates and organizes transaction information transmitted from financial institution server 1 and purchase information transmitted from mobile terminals 3 and 4 to process and create household information in a format requested by the user. Have For example, desired household information is created by appropriately combining and executing general-purpose spreadsheet software, graph creation software, and the like by the operation of general computer hardware.

  The portable terminal 3 includes information input means 11, information transmission / reception means 12, and information display means 13. Similarly, the portable terminal 4 includes information input means 18, information transmission / reception means 19, and information display means 20. . The information input means 11, 18 has a function for inputting information on a product that the user is considering to purchase, purchase condition information on a product that is transmitted to the provider server 2 and preset and registered. The information transmitting / receiving means 12 and 19 have a function of transmitting / receiving information to / from the outside. The information display means 13 and 20 include household information transmitted from the provider server 2, notification of financial products transmitted from the financial institution server 1, storage information on consumables of the information home appliance 7 transmitted from the home server 6, etc. It has a function to display.

  The information home appliance 7 is, for example, a rice bottle with a storage state adjustment function, a refrigerator with a storage state function, a consumable item detecting means 23 having a function of detecting the storage state of consumable items such as rice and food, and consumable item detection. An information transmitting means 24 is provided for receiving consumable storage information by means 23 and transmitting the consumable storage information to the home server 6. The home server 6 includes information storage means 21 and information transmission / reception means 22. The information storage means 21 has a function of storing storage information of consumables transmitted from the information home appliance 7. The information transmission / reception means 22 has a function of receiving consumable storage information transmitted from the information home appliance 7 and transmitting consumable storage information to the mobile terminals 3 and 4. Each means is appropriately configured by hardware used in a general computer and a combination thereof.

  Next, operation | movement of the comprehensive account service system in this embodiment is demonstrated in detail mainly using FIG. FIG. 2 is a flowchart for explaining the operation of the general account service system in the present embodiment. First, a user who uses this system makes a subscription contract for an electronic management account service to a provider server 2 of a provider online, for example, via a communication network 5 such as the Internet using a portable terminal 4 owned by the user. . Specifically, as shown in FIG. 2, registration application as a group (for example, family) member and user subscription information are input by the information input means 18 of the portable terminal 4, and the input information is transmitted / received as information. It is transmitted to the provider server 2 by the means 19 (step 101).

  Next, the provider server 2 that has received the user subscription information transmitted from the information transmission / reception unit 19 of the user's portable terminal 4 by the information transmission / reception unit 15 subscribes the user to the database (information storage unit 14) owned by the provider server 2 itself. Information is registered (step 102). Further, the information transmitting / receiving means 15 of the provider server 2 notifies the user's subscription information to the financial institution server 1 of the business partner (step 102). Then, the financial institution server 1 that has received the notification by the information transmitting / receiving unit 10 stores the notification information in its own database (information storage unit 9). Next, the control unit comprising a CPU (not shown) of the provider server 2 uses the information stored in the database of the provider server 2 as information on the user ID, password, etc. included in the user subscription information as user authentication information. Is set (registered) (step 103).

Subsequently, the information transmission / reception means 15 of the provider server 2 communicates with the portable terminal 4 of the user who performed the subscription procedure of this service and the portable terminal 3 of the group member (for example, other members of the user's family) to which the user belongs. On the other hand, a service subscription completion notification is transmitted informing that the user (who owns the mobile terminal 4) has subscribed to this service (step 104).
Next, when the user who owns the mobile terminal 4 receiving this service subscription completion notification inputs predetermined purchase conditions using the mobile terminal 4, the information input means 18 performs input processing for the predetermined purchase conditions. The information transmitting / receiving means 19 transmits the purchase conditions to the provider server 2 (step 105).

  Here, the purchase condition is a predetermined condition desired by the user, for example, that a single purchase cost is 30,000 yen or less or a book purchase cost in January is 10,000 yen or less. In the provider server 2 that has received the purchase conditions, the purchase conditions are set (registered) in its own database (information storage means 14) under the control of the CPU (step 106). Further, the provider server 2 requests the transaction information relating to the user who subscribes to the service from the financial institution server 1 as a business partner using the above-described user authentication information (step 107). The financial institution server 2 requested for the transaction information transmits the user transaction information to the provider server 2 (step 108).

  Subsequently, the provider server 2 that has received the transaction information between the user and the financial institution in step 108 creates household information in a format designated by the user in advance by the information processing means 17 based on the transaction information, This is stored in the information storage means 14 (step 109). Through the processing described above, the information (user ID, group ID, user ID) of each user registered as a service subscriber is stored in the database (information storage means 14) installed in the provider server 2 by the data table shown in FIG. NWID, DBID, password, etc.) and the purchase conditions (purchase conditions 1, 2) transmitted from each user are also stored, such as household information shown in FIG.

  On the other hand, the financial institution server 1 transmits notifications of financial products and the like to be sold as appropriate to the user's mobile terminals 3 and 4 (step 110). Further, consumables stored by the home server 6 from the home server 6 to the user's mobile terminals 3 and 4 are determined based on the consumables storage information at predetermined intervals or by the information home appliance 7. Is transmitted in accordance with the replenishment time (step 111). Note that the mobile terminals 3 and 4 may be able to request the storage information of consumables and the notification of financial products to the financial institution server 2 or the home server 6. In this case, the request is received. The home server 6 cooperates with the home network 8 that connects the information home appliances 7 (IpV6 compatible home appliances, etc.) in the residence, collects necessary information, and notifies the mobile terminals 3 and 4 of the shortage and cost. Alternatively, the financial institution server 1 that has received the request notifies the mobile terminals 3 and 4 of necessary information.

  Next, the operation of providing purchase management information to the user, which is the main feature of this service system, will be described. When a user who possesses the mobile terminal 3 considers purchasing a product at a store, purchasing consumable supplies, purchasing financial products, or the like, the product name and purchase cost desired to be purchased from the user's mobile terminal 3 Is input, the information input unit 11 of the portable terminal 3 performs the input information input process, and a product purchase inquiry notification including the input information is sent to the provider server 2 by the information transmitting / receiving unit 12. It is transmitted (step 112). The provider server 2 that has received the product purchase inquiry notification by the information transmission / reception unit 15 uses the information search unit 16 to store in advance information such as the product name and purchase cost of the user's desired purchase product included in the notification. A search (hereinafter referred to as “product purchase condition search”) is performed to determine whether or not the purchase conditions of the user set and registered in (information storage means 14) are satisfied (step 113).

  Next, the provider server 2 receives the product purchase condition search result and the household information (in some cases, the consumables storage information, the notification from the financial institution, etc., in advance received by the provider server 2 and stored as household information. Is transmitted to the portable terminal 3 as purchase management information (step 114). The mobile terminal 3 that has received the purchase management information causes the information display means 20 to display the information. Therefore, the user of the portable terminal 3 can determine whether or not the product can be purchased by browsing the displayed purchase information (step 115), thereby preventing inadvertent mistakes such as forgetting to buy or over buying. It becomes possible.

  Subsequently, when the user of the mobile terminal 3 purchases a product, it is necessary to update information on household information that the database of the provider server 2 has. In this information update, the user transmits product purchase information indicating that the product purchase is completed from the mobile terminal 3 to the provider server 2 (step 116), and the provider server 2 that has received the product purchase information has its own. The database is updated (step 117).

  For example, when a product is purchased at a contract store, the provider server 2 uses the user authentication information to act on the customer financial institution server 1 and the contract store via the communication network 5, and the product You may employ | adopt the system form which performs the settlement process of purchase. In this case, since the provider server 2 can determine the completion of the payment for the product purchase, it can automatically update information in its own database. Therefore, transmission of the product purchase information (step 116) can be omitted.

  In addition, when a product is purchased at an unsigned store, the provider server 2 uses the user authentication information to act on the customer financial institution server 1 and the mobile terminal with a settlement function via the communication network 5. In this case, the provider server 2 recognizes the completion of the product purchase settlement process and automatically updates the information in the database. be able to. Therefore, transmission of the product purchase information (step 116) can be omitted.

  In this system, purchase information such as purchased product names and costs may be directly read at the store by the mobile terminals 3 and 4 possessed by the user, not at the provider server 2. In this case, the product purchase information read from the mobile terminals 3 and 4 is transmitted via the communication network 5 and the home network 8, the information of the database held by the provider server 2 is updated, and the group members registered online A system configuration may be employed in which information on product purchase information (for example, between families) is updated, or product purchase information is transmitted to the home server 6 at a predetermined timing.

  As described above, according to the comprehensive account service system in the present embodiment, the following effects can be obtained. It becomes possible to aggregate and display the purchase balance of each registered group member (for example, a family as a group) as household information on a portable terminal. Moreover, management of purchase information is easy, and it is possible to provide convenient purchase information processed by a statistical function or the like. In addition, when purchasing a product at a store, the purchase condition of the user can be determined on the mobile terminal by presenting purchase conditions preset by the user or by presenting product purchase information of other group members. It is possible to assist. Further, purchase information of each group member can be confirmed between registered group members (for example, family members), and it is possible to prevent duplicate purchases and forgetting to buy mistakes. Furthermore, each financial institution can notify the electronic management account of information on advantageous financial products, investment information, etc., and the user can make other group members (for example, within the budget) It is possible to consider the purchase of the optimal product while incorporating the opinions of the family).

It is a functional block diagram of the comprehensive account service system of this embodiment. It is a flowchart for demonstrating the operation | movement content of the comprehensive account service system in this embodiment. It is the figure which showed one example of the electronic household account book created in the comprehensive account service system in this embodiment. It is the figure which showed one example of the data table stored in the database of the provider server of the comprehensive account service system in this embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Financial institution server 2 Provider server 3 Portable terminal 4 Portable terminal 5 Communication network 6 Home server 7 Information appliance 8 Home network 9 Information storage means 10 Information transmission / reception means 11 Information input means 12 Information transmission / reception means 13 Information display means 14 Information storage means 15 Information transmission / reception means 16 Information retrieval means 17 Information processing means 18 Information input means 19 Information transmission / reception means 20 Information display means 21 Information storage means 22 Information transmission / reception means 23 Consumables detection means 24 Information transmission means

Claims (6)

Each mobile terminal of a plurality of users comprising information input means for inputting information, first information transmitting / receiving means for exchanging information with the outside via a communication network, and information display means for displaying received information;
Each financial institution server of a plurality of financial institutions, comprising a first information storage means for storing transaction information with the user and a second information transmission / reception means for exchanging information with the outside via a communication network;
In a format requested by the user based on the second information storage means for storing information, the third information transmission / reception means for exchanging information with the outside via a communication network, and the transaction information acquired from the financial institution server An information processing means for creating household information and a search for whether or not the purchase target product of the user satisfies a purchase condition that is transmitted in advance from the mobile terminal and that is set and registered in the database of the provider server. A provider server having an information search means to perform,
A purchase management method in a comprehensive account service system having an electronic household account book function comprising:
When the user purchases a product, a product purchase inquiry notification having information on a product to be purchased is transmitted to the provider server by the first information transmitting / receiving unit of the mobile terminal; ,
A step of transmitting purchase information comprising the household information and the search result to the mobile terminal by the third information transmitting / receiving means of the provider server;
The step of displaying the transmitted purchase information by the information display means of the mobile terminal;
The purchase management method in the comprehensive account service system characterized by having. Consumables storage information detection step of detecting storage information of consumables by means of consumables detection of information appliances,
The information transmission means of the information appliance receives the storage information of the consumables detected in the consumable storage information detection step, and the storage information is sent to the home server installed in the user's residence via the home network. A first storage information transmission step to be transmitted to
A storage information receiving step of receiving storage information of the consumables transmitted by the fourth information transmitting / receiving means of the home server;
A storage information storage step of storing the received storage information by a third information storage means;
Second storage for transmitting the storage information stored in the storage information storage step to the mobile terminal via the home network and the communication network at a predetermined time by the fourth information transmitting / receiving means. An information transmission process;
The purchase management method in the comprehensive account service system according to claim 1, further comprising:   3. The method according to claim 1, further comprising a step of transmitting financial product information to the portable terminal at a predetermined timing by the second information transmitting / receiving unit of the financial institution server. Purchasing management method in an account service system. Each mobile terminal of a plurality of users comprising information input means for inputting information, first information transmitting / receiving means for exchanging information with the outside via a communication network, and information display means for displaying received information;
Each financial institution server of a plurality of financial institutions, comprising a first information storage means for storing transaction information with the user and a second information transmission / reception means for exchanging information with the outside via a communication network;
In a format requested by the user based on the second information storage means for storing information, the third information transmission / reception means for exchanging information with the outside via a communication network, and the transaction information acquired from the financial institution server An information processing means for creating household information and a search for whether or not the purchase target product of the user satisfies a purchase condition that is transmitted in advance from the mobile terminal and that is set and registered in the database of the provider server. A provider server having an information search means to perform,
A purchase management program for executing a purchase management method in a comprehensive account service system having an electronic household account book function comprising:
On the computer,
When the user purchases a product by the first information transmission / reception means of the mobile terminal, a process of sending a product purchase inquiry notification having information on a product to be considered for purchase to the provider server;
Processing for transmitting purchase information including the household information and the search result to the portable terminal by the third information transmitting / receiving means of the provider server;
A process of displaying the transmitted purchase information by the information display means of the mobile terminal;
A purchase management program for executing a purchase management method in a general account service system, characterized in that On the computer,
Consumables storage information detection processing for detecting consumables storage information by means of consumables detection means of information appliances,
The information transmission means of the information appliance receives the storage information of the consumables detected in the consumable storage information detection process, and the storage information is sent to the home server installed in the user's residence via the home network. First storage information transmission processing to be transmitted to
A storage information reception process for receiving storage information of the transmitted consumable by the fourth information transmission / reception means of the home server;
A storage information storage process for storing the received storage information by a third information storage unit;
Second storage for transmitting the storage information stored in the storage information storage process to the portable terminal via the home network and the communication network at a predetermined time by the fourth information transmitting / receiving means. Information transmission processing,
The purchase management program for executing the purchase management method in the general account service system according to claim 4, further comprising: On the computer,
The said 2nd information transmission / reception means of the said financial institution server is further made to perform the process which transmits financial product information with respect to the said portable terminal at predetermined timing. A purchase management program for executing a purchase management method in a general account service system.

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