JP7473618B1 - Funds Management Server - Google Patents

Abstract

[Problem] Reduce the burden on the financial system.
[Solution] The fund management server 600 comprises a financial institution system which manages user U's financial account and a communication device which communicates with a user terminal 50 used by user U, a purpose-specific savings management unit 650 which divides and manages a portion of the balance of the financial account obtained from the financial institution system via the communication device into a number of purpose-specific savings which correspond one-to-one to the multiple uses of funds desired by user U, a surplus management unit 652 which manages the surplus remaining after deducting the savings amount of each of the multiple purpose-specific savings from the balance of the financial account, and a communication control unit which transmits data via the communication device to display the savings amount of each of the multiple purpose-specific savings and the surplus on the user terminal 50.
[Selected Figure] Figure 6

Description

The present invention relates to a money management server.

Various technologies are known that support users in making savings for specific purposes as desired. For example, Patent Document 1 discloses a technology that includes a support server that transfers funds between a user's first account and a second account that has less freedom in withdrawals than the first account, and in which the support server sorts the balance of the second account into virtual purpose-specific deposits based on the user's savings purpose.

Patent No. 5936760

However, in the technology of Patent Document 1, the management of purpose-specific deposits is performed by transferring funds from a first account to a second account. Such fund transfers increase transactions in the systems of financial institutions such as banks, which increases the load on the systems of the financial institutions.
In addition, in the technology of Patent Document 1, withdrawals and the like are made to the first account. Therefore, when the planned expenditure amount due to withdrawals and the like is larger than the current balance of the first account, it is necessary to avoid a shortage of the balance of the first account by transferring funds from the second account to the first account, which leads to a further increase in transactions in the financial institution's system.

The present disclosure aims to provide a money management server that reduces the burden on the financial system.

A fund management server according to one embodiment of the present disclosure includes a financial institution system that manages a user's financial account and a communication device that communicates with a user terminal used by the user, a purpose-specific savings management unit that divides and manages a portion of the balance of the financial account obtained from the financial institution system via the communication device into multiple purpose-specific savings accounts that correspond one-to-one to multiple uses of funds desired by the user, a surplus management unit that manages the surplus by deducting the savings amount of each of the multiple purpose-specific savings accounts from the balance of the financial account, and a communication control unit that transmits data via the communication device to display the savings amount of each of the multiple purpose-specific savings accounts and the surplus on the user terminal.

This invention reduces the burden on the financial system.

FIG. 1 is a block diagram showing an example of a configuration of a support service system. FIG. 1 is a block diagram showing an example of a configuration of a bank system. FIG. 2 is a block diagram showing an example of a configuration of a securities company system. FIG. 2 is a block diagram showing an example of a configuration of a discretionary investment business operator system. FIG. 2 is a diagram illustrating an example of an electrical configuration of a user terminal. 1 is a diagram illustrating an example of a configuration of a money management system and a money management server. FIG. 13 is an explanatory diagram of purpose-specific savings information. FIG. 13 is a diagram showing an example of a first screen in a funds management app. FIG. 13 is a diagram showing an example of a second screen in the fund management app. FIG. 13 is a diagram showing an example of a third screen in the fund management app. FIG. 11 is a diagram showing an example of an operation at the time of start-of-use registration in the support service system. FIG. 13 is a diagram showing an example of a seventh screen in the fund management app. FIG. 11 illustrates an example of a first new creation process. FIG. 11 is a diagram showing an example of the operation when registering to use a discretionary investment service in the support service system. FIG. 13 is a diagram showing an example of a ninth screen in the fund management app. FIG. 17 is a diagram showing an example of a tenth screen in the fund management app. FIG. 13 is a diagram showing an example of the operation of the support service system when a user instructs a deposit into a "purpose-specific savings box." A diagram showing an example of the operation of the support service system when a user instructs a deposit into the "Working Piggy Bank." 13 is a diagram showing an example of the operation of the fund management server when automatically depositing money into a "purpose-specific savings box." FIG. A diagram showing an example of the operation of the support service system when automatically depositing money into the "Working Piggy Bank." FIG. 13 is a diagram showing an example of the operation of the support service system when the first screen is displayed. FIG. 13 is a diagram showing an example of the operation of the support service system when the second screen is displayed. FIG. 13 is a diagram showing a push notification process of an asset management simulation in a fund management server. FIG. 13 is a diagram showing an example of an eleventh screen in the fund management app. A figure showing an example of the operation of the support service system when switching from a "purpose-specific savings box" to a "working savings box." FIG. 11 is a diagram illustrating an example of an operation of the support service system when a first warning is issued. FIG. 13 is a diagram showing an example of the operation of the fund management server when a shortage in the "wallet balance" is resolved. FIG. 13 is a diagram showing an example of the operation of the support service system when notifying the results of a repayment plan simulation. FIG. 15 is a diagram showing an example of a twelfth screen in the fund management app. A figure showing an example of the operation of the fund management server when switching the virtual savings amount of the "purpose-specific savings box" to asset management of the "working savings box".

1: First Embodiment Hereinafter, a first embodiment will be described with reference to the drawings.

1.1: Configuration of the First Embodiment FIG. 1 is a block diagram showing an example of the configuration of a support service system 1. As shown in FIG.
The support service system 1 is a system that provides a user U with support services including purpose-specific savings support and asset management support.
Purpose-specific savings support is a service that supports user U in saving for multiple desired purposes (purposes of funds) within the scope of a portion or all of the balance of a financial account opened by the user U at a financial institution. In this disclosure, the financial institution is a bank, and the financial account is bank account AB. In addition, hereinafter, savings for specific purposes will be referred to as "purpose-specific savings." Note that the purpose (purpose of funds) of user U does not necessarily have to be clear, and may be vague (for example, "to save").
The asset management support is a service that supports the user U in managing his/her assets using a part or all of the balance of the bank account AB as a source of funds. Hereinafter, savings through asset management will be referred to as “managed savings.” In the present disclosure, the asset management is carried out by a discretionary investment business operator 4 entrusted to the user U.

By using the purpose-specific savings support, user U can maintain his/her motivation to save the funds necessary to achieve his/her desired goals, and by using the asset management support, user U can maintain his/her motivation to accumulate funds he/she will need in the future through asset management.
In addition, in the present disclosure, the balance of bank account AB is used as the source of funds for asset management support. Therefore, deposits saved without a purpose in bank account AB, i.e., deposits that are not planned to be used in the short and medium term, can be smoothly guided to asset management through asset management support, and user U can experience asset management. Furthermore, asset management is performed by the discretionary investment business operator 4. Therefore, suitable support is provided to user U who is interested in asset management but hesitates to do so because he or she has little experience or knowledge in asset management or does not have enough time to devote to asset management.

In this disclosure, "savings" refers to the act of user U saving money, and is not limited to the act of user U depositing money in a specific financial institution such as Japan Post Bank, agricultural cooperatives, and fishery cooperatives in Japan.
"Financial instruments" means products that are traded in a trading market and have the ability to be converted into cash, with values (prices or interest rates, etc.) fluctuating according to supply and demand. Examples of financial instruments include savings, stocks, investment trusts, public and corporate bonds, foreign exchange, gold, platinum, crypto assets, and financial derivatives.
"Asset management" refers to investing the assets of user U in financial products, that is, buying and selling the financial products.
"Discretionary investment business operator 4" refers to a business that provides discretionary investment services to user U. The discretionary investment service is a service in which user U enters into a discretionary investment contract with the discretionary investment business operator 4, and the discretionary investment business operator 4 manages assets based on the discretionary investment contract. The discretionary investment contract is a contract in which user U entrusts the discretionary investment business operator 4 with all of the investment decisions and investment actions based on the management policy agreed to by user U. Business operators that can become the discretionary investment business operator 4 include, for example, investment trust management companies, investment advisory companies, securities companies, and financial institutions such as trust banks. The management policy is information that serves as an index for selecting financial products to be invested in, and is selected by user U from among multiple management policies with different levels of possible risk (loss).

The configuration of the support service system 1 will be described in detail below.
As shown in FIG. 1, the support service system 1 includes a bank system 20, a securities company system 30, a discretionary investment business operator system 40, a user terminal 50, and a fund management system 60, each of which accesses a network NW. The bank system 20, the securities company system 30, the discretionary investment business operator system 40, and the fund management system 60 are all computer systems including at least one or more computers. The computer is a device including one or more processors such as a central processing unit (CPU) or a micro-processing unit (MPU), a memory device (also called a main memory device) such as a read only memory (ROM) and a random access memory (RAM), a storage device (also called a secondary storage device) such as a hard disk drive (HDD) or a solid state drive (SSD), and an interface circuit for connecting a peripheral device such as a communication device. The processor executes a computer program stored in the memory device or the storage device, and the computer realizes various functions according to the computer program.

FIG. 2 is a block diagram showing an example of the configuration of the bank system 20.
The bank system 20 has at least a function of managing deposits and withdrawals to and from the bank account AB, and a function of communicating with the fund management system 60 via the network NW and responding to requests from the fund management system 60. Specifically, as shown in Fig. 2, the bank system 20 has an accounting system 200 and a bank server 210, which are installed in facilities managed by the bank 2.
The accounting system 200 is a computer system that manages bank accounts AB, and includes a bank account information storage unit 202. The bank account information storage unit 202 has a storage device that stores electronic information, and stores a bank account information database 203. The bank account information database 203 is a database that manages bank account information 204 related to each bank account AB. In the present disclosure, the bank account information 204 includes information on a bank account identifier that uniquely identifies each bank account AB, a PIN number, an account holder, a balance, and a deposit and withdrawal history. Examples of bank accounts AB include ordinary deposit accounts, fixed-term deposit accounts, savings accounts, and current accounts.

The bank server 210 is a computer in the bank system 20 that functions as a communication interface with the funds management system 60. Specifically, the bank server 210 includes a first communication unit 212 and a bank API unit 214. The first communication unit 212 includes a communication device that accesses the network NW, and transmits and receives data with the funds management system 60 through the network NW. The bank API unit 214 is a functional unit that realizes an application programming interface (API) that assists in the transmission and reception of data between the accounting system 200 and the funds management system 60.

The configuration of the bank system 20 is not limited to the configuration shown in FIG. 2. For example, the bank server 210 may have some or all of the functions of the accounting system 200 that manages the bank account AB.

FIG. 3 is a block diagram showing an example of the configuration of the securities company system 30. As shown in FIG.
The securities company system 30 has at least a function for managing a securities account AT (FIG. 1) opened by a user U at the securities company 3 (FIG. 1), a function for buying and selling financial instruments through the market based on instructions from the discretionary investment business operator 4, and a function for communicating with the discretionary investment business operator system 40 via the network NW and responding to requests from the discretionary investment business operator system 40. Specifically, as shown in FIG. 3, the securities company system 30 has a core system 300 and a securities company server 310, which are installed in a facility managed by the securities company 3.
The core system 300 is a computer system that realizes the functions of managing a securities account AT and buying and selling financial products, and includes a securities account information storage unit 302 and a buying and selling processing unit 304.
The securities account information storage unit 302 includes a storage device for storing electronic information, and stores a securities account database 305. The securities account database 305 is a database for managing securities account information 306 related to the securities account AT. In the present disclosure, the securities account information 306 includes information related to a securities account identifier that uniquely identifies the securities account AT, a personal identification number, an account holder, a balance, a deposit/withdrawal history, and a transaction history of financial products. The buying/selling processing unit 304 is a functional unit realized by a processor, which executes buying and selling processing of financial products in accordance with an order instruction issued by the discretionary investment business operator system 40, and records a transaction history in the securities account information 306 based on the result of the buying and selling agreement.

The securities company server 310 is a computer in the securities company system 30 that functions as a communication interface with the discretionary investment business operator system 40. Specifically, the securities company server 310 includes a second communication unit 312 and a securities company API unit 314. The second communication unit 312 includes a communication device that accesses the network NW, and transmits and receives data to and from the discretionary investment business operator system 40 through the network NW. The securities company API unit 314 is a functional unit that realizes an API that assists in transmitting and receiving data between the core system 300 and the discretionary investment business operator system 40.
The configuration of the securities company system 30 is not limited to that shown in Fig. 3. For example, the securities company server 310 may include some or all of the functions of the backbone system 300 that manages the securities account AT.
Furthermore, the securities company server 310 may communicate with the fund management system 60 in addition to the discretionary investment business operator system 40 .

FIG. 4 is a block diagram showing an example of the configuration of the discretionary investment business operator system 40.
The discretionary investment business operator system 40 has at least the following first to third functions. The first function is to carry out asset management in accordance with the management policy agreed to by the user U, based on a discretionary investment contract concluded between the user U and the discretionary investment business operator 4. The second function is to manage the asset management. The third function is to communicate with the fund management system 60 via the network NW and respond to requests from the fund management system 60.
In order to realize the first to third functions, the discretionary investment business operator system 40 includes an asset management server 400 as shown in Fig. 4, and this asset management server 400 is installed, for example, in a facility managed by the discretionary investment business operator 4. The asset management server 400 is a server computer that functions as a discretionary contract user information storage unit 402, a financial product storage unit 404, an investment information storage unit 406, a third communication unit 408, and an asset management API unit 410.

The discretionary contract user information storage unit 402 stores a discretionary contract user database 421. The discretionary contract user database 421 is a database that manages discretionary contract user information 422 related to a user U with whom a discretionary investment contract has been concluded. In the present disclosure, the discretionary contract user information 422 includes, for example, a user ID for uniquely identifying the user U, securities account access information required for accessing the securities account AT of the user U and trading financial products, risk tolerance information indicating the user U's tolerance for risk (loss), and an investment policy selected by the user U.
The financial product storage unit 404 stores a financial product database 423. The financial product database 423 is a database that manages financial product information 424 related to financial products used in asset management. In the present disclosure, the financial product information 424 includes information such as the ID, expected yield, and risk of the financial product.
The management information storage unit 406 stores the management information database 425. The management information database 425 is a database that manages management information 426 related to asset management for each user U. In the present disclosure, the management information 426 includes information such as a user ID, a management ID, a management start date, a period elapsed since the management start date, an investment amount, a management profit and loss, a financial product being invested in, and an automatic savings setting. The management ID is information that identifies each of a plurality of asset managements (e.g., a plurality of wrap accounts, etc.) that one user U has entrusted to the discretionary investment business operator 4. The automatic savings setting includes information such as a single savings amount and a savings interval (e.g., every month, every six months).
The third communication unit 408 includes a communication device that accesses the network NW, and transmits and receives data to and from the money management system 60 and the securities company system 30 through the network NW.
The asset management API unit 410 is a functional unit that realizes an API that assists in sending and receiving data between the fund management system 60 and the asset management server 400 .
The configurations of the discretionary investment business operator system 40 and the asset management server 400 are not limited to those shown in FIG.

FIG. 5 is a diagram showing an example of the electrical configuration of the user terminal 50. As shown in FIG.
The user terminal 50 is a device used by the user U to utilize the support service. The user terminal 50 is, for example, a portable information processing device such as a smartphone or a laptop computer, or a stationary information processing device such as a desktop computer. The information processing device is a device including the above-mentioned computer. As shown in Fig. 5, the user terminal 50 includes a first communication device 500, a display device 510, an operation input device 520, a first storage device 530, and a first processing device 540, which are connected to a bus.

The first communication device 500 is a device having a receiver for receiving data and a transmitter for transmitting data. The display device 510 displays various information. The operation input device 520 accepts input by operation of the user U. The first storage device 530 stores the funds management app MA. The funds management app MA is an application program for the user U to use the support service, and is executed by the first processing device 540. The first processing device 540 is a device including one or more CPUs. The CPU includes an interface with peripheral devices, an arithmetic unit, a register, etc. The one or more CPUs are an example of one or more processors. In the first processing device 540, circuits such as a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), a PLD (Programmable Logic Device), and an FPGA (Field Programmable Gate Array) may be used instead of the CPU or in combination with the CPU.

The first processing device 540 reads out and executes the funds management application MA from the first storage device 530 , and thereby functions as a first communication control unit 550 , an application screen display control unit 552 , and an application operation acceptance unit 554 .
The first communication control unit 550 is a functional unit that controls the first communication device 500 to send and receive data with the fund management system 60. The application screen display control unit 552 is a functional unit that controls the display device 510 to display, transition, update, and the like of screens in the fund management application MA. The application operation receiving unit 554 is a functional unit that controls the operation input device 520 to receive operations by the user U on the fund management application MA.

In addition, in the support service system 1 disclosed herein, the number of user terminals 50 and users U is arbitrary.

FIG. 6 is a diagram showing an example of the configuration of the money management system 60. As shown in FIG.
The fund management system 60 has at least the following three functions. That is, the first function is to provide the user U with a support service including at least purpose-specific savings support and asset management support. The second function is to manage the purpose-specific savings of the user U independently from the accounting system 200 of the bank system 20. The third function is to communicate with each of the user terminal 50, the bank system 20, and the discretionary investment business operator system 40 via the network NW. As shown in FIG. 6, the fund management system 60 has a fund management server 600 that realizes these functions. The fund management server 600 is installed in a facility managed by a service provider that provides the support service.

As shown in FIG. 6, the fund management server 600 is a server computer equipped with a second communication device 610, a second storage device 620, and a second processing device 630, which are connected to a bus. The second communication device 610 is a device having a receiver for receiving data and a transmitter for transmitting data. In this disclosure, the second communication device 610 communicates with each of the user terminal 50, the bank server 210 of the bank system 20, and the asset management server 400 of the discretionary investment business operator system 40 by accessing the network NW. The second storage device 620 is a device for storing electronic information. The second processing device 630 is a device including one or more CPUs. The CPU includes an interface with peripheral devices, an arithmetic unit, a register, etc. The one or more CPUs are an example of one or more processors. The second processing device 630 may be a circuit such as a DSP, an ASIC, a PLD, and an FPGA, which may be used in place of the CPU or in combination with the CPU.

In the present disclosure, the second storage device 620 stores a funds management program 621 , a user basic database 622 , a purpose-specific savings database 623 , an investment savings database 624 , and a deposit/withdrawal schedule database 690 .
The fund management program 621 is a computer program for realizing at least the above-mentioned first to third functions of the fund management system 60. The user basic database 622 is a database that manages user basic information 625 related to a user U who uses the support service. The purpose-specific savings database 623 is a database that manages purpose-specific savings information 626 related to purpose-specific savings. The investment savings database 624 is a database that manages investment savings information 627 related to investment savings. The specific contents of the user basic information 625, purpose-specific savings information 626, and investment savings information 627 will be described later.
The deposit/withdrawal schedule database 690 is a database that manages first schedule information 691 indicating the scheduled deposits to each user U's bank account AB, and second schedule information 692 indicating the scheduled withdrawals from the bank account AB.

The second processing device 630 reads and executes the fund management program 621 from the second storage device 620, thereby functioning as a second communication control unit 641, a user basic information management unit 642, a savings management unit by purpose 650, a surplus management unit 652, an investment savings management unit 660, an appropriate savings amount estimation unit 671, an achievement determination unit 672, an asset management simulation unit 673, an appropriate risk tolerance estimation unit 674, a switching instruction acceptance unit 675, a deposit/withdrawal schedule acquisition unit 680, and a repayment simulation unit 682.

The second communication control unit 641 is a functional unit that controls the second communication device 610 to send and receive data between the user terminal 50, the bank system 20, and the discretionary investment business operator system 40. In the present disclosure, one of the data that the second communication control unit 641 sends via the second communication device 610 is data to be displayed on the screen of the funds management app MA on the user terminal 50.

The user basic information management unit 642 is a functional unit that manages the user basic information 625. In the present disclosure, when the user U starts using the support service for the first time, the user basic information management unit 642 stores the user basic information 625 of the user U in the second storage device 620. As shown in FIG. 6, the user basic information 625 includes information such as a user ID, authentication information, bank account access information, discretionary investment business access information, and asset management attributes. The user ID is information that uniquely identifies the user U. The authentication information is information for the fund management server 600 to authenticate the user U, such as a password and biometric information. The bank account access information is information required for the fund management server 600 to inquire the bank server 210 about the bank account AB of the user U. The bank account access information includes, for example, information that identifies the bank account AB of the user U (bank name, branch name, account number, account holder, etc.), and information required for authentication by the bank system 20. The discretionary investment business operator access information is information necessary for the fund management server 600 to inquire about the asset management status of user U's asset management from the asset management server 400 of the discretionary investment business operator system 40. The discretionary investment business operator access information includes, for example, information such as the user ID of user U in the discretionary investment business operator system 40 and authentication information by the discretionary investment business operator system 40. The user attributes are attribute information related to user U, and include at least information used to appropriately estimate the appropriate savings amount, which is the appropriate savings amount necessary to realize the purpose of funds, for each user U. In this disclosure, the user attribute information includes information such as age, family composition, income, occupation, assets (including real estate), hobbies, and lifestyle.

The purpose-specific savings management unit 650 is a functional unit that manages the purpose-specific savings of user U. The purpose-specific savings management unit 650 of the present disclosure manages purpose-specific savings without involving deposits or withdrawals of funds in user U's bank account AB and independently of the bank system 20.

As shown in FIG. 7, the purpose-specific savings information 626 is information that corresponds one-to-one to the purpose (i.e., the use of funds) desired by the user U. In other words, the purpose-specific savings information 626 is generated for each use of funds of the user U, and each purpose-specific savings information 626 records information regarding savings made for the corresponding use of funds. In this disclosure, the purpose-specific savings information 626 includes information such as a user ID 626A, a purpose-specific savings ID 626B, use of funds 626C, virtual savings amount 626D, automatic virtual savings setting 626E, virtual savings history 626F, virtual savings start date 626G, target savings amount 626H, and virtual savings priority 626I.

The user ID 626A corresponds to the user ID in the user basic information 625, and the user basic information 625 is linked to the purpose-specific savings information 626 by the user ID 626A.
The purpose-specific savings ID 626B is information that uniquely identifies user U's purpose-specific savings.
The purpose of funds 626C is information related to the purpose for which the user U saves funds, and is information acquired from the user U. In the purpose of funds 626C, information such as "marriage funds,""funds for children's college education,""funds for replacing a car," or "undecided purpose" is set according to the life plan of the user U.

The virtual savings amount 626D is information indicating the amount of virtual savings in the purpose-specific savings, and is updated as deposits and withdrawals are made to the purpose-specific savings. In this disclosure, virtual savings are savings that are managed primarily by the fund management server 600, and are savings that are funded by the balance of bank account AB but do not involve deposits or withdrawals from bank account AB. In other words, in the support service system 1, deposits and withdrawals for purpose-specific savings are carried out independently of the bank system 20 under the management of the fund management server 600, and do not require the bank system 20 to process deposits and withdrawals from bank account AB. Therefore, purpose-specific savings that can reduce the load on the bank system 20 are realized.

Automatic virtual savings settings 626E is information relating to automatic savings for specific purposes, and includes at least automatic savings conditions and automatic savings amount, both of which are information determined by user U. Automatic savings conditions are conditions for executing automatic savings, and automatic savings amount is information on the amount by which virtual savings amount 626D is increased when automatic savings conditions are met. Automatic savings conditions are typically set based on the date, the balance of bank account AB, and the deposit and withdrawal history of bank account AB. Automatic savings amount is information specifying the amount of savings.

The virtual savings history 626F is information showing the history of increases and decreases in the virtual savings amount 626D, that is, the history of deposits and withdrawals into the savings for specific purposes.
The virtual savings start date 626G is information on the date on which the purpose-specific savings was started.
The target savings amount 626H is information that indicates the amount of purpose-specific savings that the user U sets as a goal, and is information that is determined by the user U.
The virtual savings priority 626I is information indicating the priority of savings among multiple purpose-specific savings, and is information determined by the user U.

The above-mentioned purpose-specific savings information 626 is managed by the purpose-specific savings management unit 650. That is, the purpose-specific savings management unit 650 generates, updates, and deletes the purpose-specific savings information 626. Specifically, the purpose-specific savings management unit 650 generates purpose-specific savings information 626 for each of the user U's fund uses, thereby managing multiple purpose-specific savings information 626 that correspond one-to-one to the fund uses. As described above, in each of the purpose-specific savings information 626, the amount of virtual savings based on the balance of bank account AB is recorded in the virtual savings amount 626D. That is, the purpose-specific savings management unit 650 generates purpose-specific savings information 626 in which the virtual savings amount 626D is recorded for each fund use, and part or all of the balance of bank account AB is divided into multiple purpose-specific savings information 626 that correspond one-to-one to the multiple fund uses desired by user U, and is managed by the purpose-specific savings management unit 650.

In FIG. 6, the surplus management unit 652 is a functional unit that manages the surplus, which is the amount obtained by deducting the virtual savings amount 626D of all of the purpose-specific savings information 626 of the user U from the balance of the user U's bank account AB.

Investment savings information 627 is information related to investment savings of user U, and is managed by investment savings management unit 660. In this disclosure, asset management corresponding to the investment savings is performed by asset management server 400 of discretionary investment business operator 4, and said asset management server 400 manages the asset management. Therefore, investment savings information 627 includes asset management linking information 627K that links the investment savings with asset management at discretionary investment business operator 4. This asset management linking information 627K identifies the asset management corresponding to the investment savings. Like purpose-specific savings information 626, investment savings information 627 includes user ID 627A and use of funds 627C, and also includes investment savings ID 627B that uniquely identifies the investment savings.

The investment savings management unit 660 is a functional unit that manages investment savings using the investment savings information 627. Specifically, the investment savings management unit 660 acquires a portion (e.g., investment amount, investment profits, automatic savings settings, etc.) or all of the investment information 426 of the asset management corresponding to the investment savings by querying the investment information 426 (FIG. 4) managed by the asset management management server 400 based on the asset management linking information 627K of the investment savings information 627. In addition, the investment savings management unit 660 manages the investment information 426 corresponding to the investment savings in association with the use of funds using the use of funds 627C of the investment savings information 627.

The appropriate savings amount estimation unit 671, the achievement determination unit 672, the asset management simulation unit 673, and the appropriate risk tolerance estimation unit 674 are functional units that allow the fund management server 600 to push the results of the asset management simulation to the user U.

The appropriate savings amount estimation unit 671 is a functional unit that estimates the appropriate savings amount required to realize the fund use 626C of the purpose-specific savings by estimating it based on the user attributes of the user basic information 625. For example, when the fund use 626C is "purchase of a house" or "purchase of a car", the appropriate savings amount estimation unit 671 identifies a house or a car that suits the family structure and lifestyle of the user U, and estimates the cost required for purchasing the house or the car as the appropriate savings amount. Also, for example, when the fund use 626C is "retirement funds", the appropriate savings amount estimation unit 671 estimates the funds required for retirement life as the appropriate savings amount based on the family structure, assets, and lifestyle of the user U. In the present disclosure, the appropriate savings amount estimation unit 671 acquires information other than the user attributes required for estimating the appropriate savings amount from information resources outside or inside the fund management server 600.
In addition, when the target savings amount 626H has already been set in the purpose-specific savings information 626, the appropriate savings amount estimation unit 671 may set the target savings amount 626H as the appropriate savings amount.

The appropriate risk tolerance estimation unit 674 is a functional unit that estimates an appropriate risk tolerance that is an appropriate risk tolerance according to the purpose of use of funds 626C of the purpose-specific savings. In the present disclosure, the appropriate risk tolerance estimation unit 674 estimates the appropriate risk tolerance based on the content of the purpose of use of funds 626C, the remaining period until the time when the purpose of use of funds 626C is realized (the time when the purpose is achieved), and the user attributes of the user U (annual income, assets, family structure, etc.). Specifically, the appropriate risk tolerance estimation unit 674 identifies a standard risk tolerance corresponding to the content of the purpose of use of funds 626C, and estimates the appropriate risk tolerance by correcting the standard risk tolerance based on the remaining period and the user attributes. In addition, a publicly known or well-known method may be used to estimate the appropriate risk tolerance. The time when the purpose of use of funds 626C is realized is information obtained from the user U. The time when the purpose of use of funds 626C is realized may be recorded in the purpose-specific savings information 626.

The achievement determination unit 672 is a functional unit that determines whether the virtual savings amount 626D will reach the appropriate savings amount within a specified period of time based on the increase rate of the virtual savings amount 626D in the purpose-specific savings information 626 and the above-mentioned appropriate savings amount. In the present disclosure, the achievement determination unit 672 or another functional unit determines the increase rate of the virtual savings amount 626D based on, for example, the automatic savings conditions of the automatic virtual savings setting 626E and the track record of manual savings (described below) by user U into the purpose-specific savings. Note that the achievement determination unit 672 or another functional unit may determine the increase rate of the virtual savings amount 626D based on an approximation curve showing the progress of the virtual savings amount 626D. Also, in the present disclosure, the specified period is the remaining period until the realization of the use of funds 626C.

The asset management simulation unit 673 is a functional unit that executes a simulation of the transition of the investment amount when the virtual savings amount 626D of the savings information by purpose 626 is invested. In this disclosure, asset management is managed by the asset management server 400, and the asset management server 400 also essentially executes the simulation. In other words, the asset management simulation unit 673 executes a simulation of asset management using the asset management server 400.

The switching instruction receiving unit 675 is a functional unit that receives a switching instruction to switch from purpose-specific savings to investment savings through asset management from the user terminal 50 via the second communication device 610.

The deposit/withdrawal schedule acquisition unit 680 is a functional unit that acquires the first schedule information 691 from the first terminal 71 (FIG. 1) via the second communication device 610, and acquires the second schedule information 692 from the second terminal 72 (FIG. 1) via the second communication device 610. The deposit/withdrawal schedule acquisition unit 680 registers the acquired first schedule information 691 and second schedule information 692 in the deposit/withdrawal schedule database 690. In this disclosure, the first schedule information 691 includes the scheduled date and time of deposit into user U's bank account AB, and the deposit amount. Furthermore, the second schedule information 692 includes the scheduled date and time of withdrawal from user U's bank account AB, and the withdrawal amount.

The first terminal 71 and the second terminal 72 each include a computer that accesses the network NW and communicates with the fund management server 600. The first terminal 71 is a device operated by a person who transfers money to the bank account AB of the user U. An example of a person who transfers money using the first terminal 71 is a person who pays the user U a salary or a transaction fee. The second terminal 72 is a device operated by a person who debits money from the bank account AB of the user U. An example of a person who debits money is a company that automatically collects utility bills such as electricity, gas, water, and telephone charges, or a credit company that provides a credit card to the user U.
In the present disclosure, the surplus management unit 652 has a function of estimating the amount of surplus in the future using the first schedule information 691 and the second schedule information 692.

The repayment simulation unit 682 is a functional unit that simulates a repayment plan for repaying a specified amount of borrowed money through a loan. Note that a publicly known or well-known method is used to simulate the repayment plan.

Next, the screen layout of the funds management application MA that the user U operates to receive the support service will be generally described.
[Screen 1: Savings status display screen]
FIG. 8 is a diagram showing an example of a first screen C1 in the funds management application MA.
The first screen C1 is a screen that displays the savings status of the purpose-specific savings and the investment savings in the fund management application MA. In the present disclosure, the first screen C1 includes a first A display area E1A, a first B display area E1B, and a first C display area E1C as shown in FIG.

The first A display area E1A is an area that displays the savings status of one or more purpose-specific savings set by the user U. In the first A display area E1A, a fund use 626C, a virtual savings amount 626D, and an automatic virtual savings setting 626E are displayed in association with each purpose-specific savings.
The 1B display area E1B is an area for displaying the savings status of the investment savings, i.e., the investment status of the asset management by the discretionary investment business operator 4, in association with the use of funds 627C. The 1B display area E1B displays the investment amount, investment income, automatic savings settings, and use of funds 627C in association with each other.
The first display area E1C is an area that displays the combined amount of savings by item and investment savings (total savings).
While receiving the support service, the user U can check the savings status of purpose-specific savings and investment savings on this first screen C1.

In the fund management app MA disclosed herein, the purpose-specific savings are given the name "purpose-specific savings box," and the investment savings are given the name "working savings box." Furthermore, "savings box" is used as a general term for the "purpose-specific savings box" and the "working savings box." These names will be used appropriately in the following explanation.

[Second screen: Screen linked to bank account]
FIG. 9 is a diagram showing an example of the second screen C2 in the funds management application MA.
The second screen C2 is a screen that displays information linked to the user U's bank account AB, and as shown in FIG. 9, includes a second A display area E2A and a second B display area E2B.
The second A display area E2A is an area that displays the deposit and withdrawal history (so-called transaction details) of the bank account AB of the user U. Specifically, the second A display area E2A displays the transaction date, amount, and summary for each deposit transaction and withdrawal transaction of the bank account AB.
The second B display area E2B is an area that displays the amount obtained by deducting the virtual savings amount 626D of all of the "purpose-specific savings boxes" from the balance of the user U's bank account AB, i.e., the surplus amount.
On the second screen C2, the "wallet balance" is displayed in place of the balance of bank account AB, so that user U can easily and accurately grasp the surplus amount after deducting the virtually saved amount, and can prevent overspending of the balance of bank account AB.

[Third screen: Total assets display screen]
FIG. 10 is a diagram showing an example of the third screen C3 in the funds management application MA.
The third screen C3 is a screen that displays the total assets of the user U. The total assets are the sum of the balance of the bank account AB of the user U and the investment amount of the assets managed by the discretionary investment business operator 4 (i.e., the balance of the "Working Piggy Bank"). As shown in FIG. 10, the third screen C3 corresponds to a screen in which the second B display area E2B is replaced with the third A display area E3A in the second screen C2, and the total assets are displayed in this third A display area E3A. In addition, the third A display area E3A includes a detail display button E3A1 for displaying the third A screen C3A. The third A screen C3A is a screen that displays the breakdown of the total assets. In the present disclosure, the third A screen C3A displays the balance of the bank account AB, the "wallet balance", the virtual savings amount 626D of all the "purpose-specific piggy banks", and the balance of the "Working Piggy Bank". In addition, financial products used in asset management may also be displayed on the third A screen C3A.
The third A screen C3A is a pop-up screen displayed superimposed on the third screen C3. A close button E3A1A is included at the bottom of the third A screen C3A, and the third A screen C3A is closed by operating the close button E3A1A.

The second screen C2 and the third screen C3 are provided with operation buttons E2B1 (FIG. 9) and E3A2 (FIG. 10) for transitioning between the screens. By operating these operation buttons E2B1 and E3A2, the user U can easily grasp the "wallet balance" and "total assets" from the second screen C2 and the third screen C3 and compare the two.

The fund management app MA displays several other screens in addition to the first screen C1, the second screen C2, and the third screen C3, but these screens will be mentioned in the explanation of the operation of the support service system 1.

1.2: Operation of the embodiment The operation of the support service system 1 will be described.

When the user U starts using the support service provided by the support service system 1, the user U launches the funds management app MA on the user terminal 50 and performs a registration for starting use through the funds management app MA. In this registration for starting use, the user U's account is registered, and bank account access information for the funds management server 600 to access the bank system 20 is registered.

FIG. 11 is a diagram showing an example of the operation at the time of registration for starting use in the support service system 1. As shown in FIG.
When the user U launches the funds management application MA on the user terminal 50 (step Sa1), the application screen display control unit 552 of the user terminal 50 causes the display device 510 to display the fourth screen C4 (step Sa2). The fourth screen C4 is a screen for the user U to log in to the funds management system 60, and includes an area for inputting a user ID and password, a login button, and a new registration button. When the user U starts using the support service for the first time, the user U operates the new registration button. When the application operation acceptance unit 554 accepts the operation of the new registration button (step Sa3: new registration button), the application screen display control unit 552 causes the display device 510 to display the fifth screen C5 (step Sa4).

The fifth screen C5 is a screen for new registration. The fifth screen C5 includes an area for setting a user ID and authentication information (e.g., a password), and a registration button. When the user U inputs the user ID and authentication information and operates the registration button, the application operation acceptance unit 554 accepts the operation of the registration button (step Sa5), and the first communication control unit 550 sends a first request F1 to the fund management server 600 together with the user ID and authentication information entered on the fifth screen C5 (step Sa6). The first request F1 is a message requesting the fund management server 600 to newly register the user U.

In the fund management server 600, when the second communication control unit 641 receives the first request F1 via the second communication device 610 (step Sa7), the user basic information management unit 642 generates user basic information 625 including the user ID and authentication information of user U, and stores the user basic information 625 in the second storage device 620 (step Sa8: user basic information registration). After that, the second communication control unit 641 transmits a first response G1 to the user terminal 50 (step Sa9). The first response G1 is a message notifying that new registration of user U has been completed.

In the user terminal 50, when the first communication control unit 550 receives the first response G1 from the first communication device 500 (step Sa10), the application screen display control unit 552 causes the display device 510 to display the sixth screen C6 (step Sa11).
The sixth screen C6 is a screen for the user U to register information of the bank 2 in the fund management server 600, and the sixth screen C6 is provided with an input area for bank account access information and a registration button. The input area for bank account access information is an area for the user U to input information necessary for the fund management server 600 to access the bank system 20, and includes input fields such as the bank name, branch name, account number, account holder, and authentication information. When the user U inputs information in the input area for bank account access information and operates the registration button, the application operation acceptance unit 554 accepts the operation of the registration button (step Sa12), and the first communication control unit 550 transmits a second request F2 to the fund management server 600 together with the information input in the input area for bank account access information (step Sa13). The second request F2 is a message requesting the fund management server 600 to register information related to the user U's bank account AB.

In the fund management server 600, when the second communication control unit 641 receives the second request F2 via the second communication device 610 (step Sa14), the user basic information management unit 642 updates the bank account access information of the user basic information 6265 based on the information attached to the second request F2 (step Sa15), and the second communication control unit 641 sends a second response G2 to the user terminal 50 via the second communication device 610 (step Sa16). The second response G2 is a message notifying that registration of information related to user U's bank account AB has been completed.

In the user terminal 50, the first communication control unit 550 receives the second response G2 via the first communication device 500 (step Sa17), and the start-of-use registration for the user U is completed. When the user terminal 50 receives the second response G2, the application screen display control unit 552 may cause a registration completion screen to be displayed on the display device 510.

In addition, in step Sa3, when the login button on the fourth screen C4 is operated (step Sa3: login), the fund management server 600 performs login processing including authentication processing based on the login ID and password (step Sa20). When login is completed, the first screen C1 or the second screen C2 is displayed as the main screen on the user terminal 50.

1.2.2 Creating a New Piggy Bank After completing the initial registration, if the user U wishes to start saving for a specific purpose or investing in savings, the user U operates the fund management application MA to create a new “Purpose-Specific Piggy Bank” or “Working Piggy Bank.”

FIG. 12 is a diagram showing an example of the seventh screen C7 in the funds management application MA.
The seventh screen C7 is a screen that guides the user U to create a new "piggy bank" and is displayed by the user U's operation on the fund management app MA. As described above, "piggy bank" is a general term for "purpose-specific piggy bank" and "working piggy bank." In the present disclosure, the seventh screen C7 is provided with a first new creation button E7A and a second new creation button E7B, as shown in FIG. 12. The first new creation button E7A is an operation button that the user U uses to instruct the user U to create a new "purpose-specific piggy bank." The second new creation button E7B is a selection button that the user U uses to instruct the user U to create a new "working piggy bank."

When the first new creation button E7A or the second new creation button E7B is operated, a first new creation process for creating a new "purpose-specific piggy bank" or a second new creation process for creating a new "working piggy bank" is performed in the support service system 1.
In addition, on the seventh screen C7, an explanation about the "purpose-specific piggy bank" may be displayed in association with the first new creation button E7A, and an explanation about the "working piggy bank" may be displayed in association with the second new creation button E7B.

[First new creation process: Creating a new "purpose-specific savings box"]
FIG. 13 is a diagram illustrating an example of the first new creation process.
In the user terminal 50, when the application operation acceptance unit 554 accepts an operation on the first new creation button E7A of the seventh screen C7, the application screen display control unit 552 displays the eighth screen C8 on the display device 510 (step Sb1). The eighth screen C8 is a new creation screen for the "purpose-specific savings box" and includes an input area for the user U to input information regarding the purpose-specific savings information 626 (FIG. 7) and a registration button. In the present disclosure, the input area is used to input the funds 626C, the automatic virtual savings setting 626E, the target savings amount 626H, and the virtual savings priority 626I, which are included in the purpose-specific savings information 626. The amount of money to be deposited in the "purpose-specific savings box" is input in the input area.

When the user U completes the input in the input area and operates the register button, the application operation acceptance unit 554 accepts the operation of the register button (step Sb2). Then, if the amount deposited in the "purpose-specific savings box" exceeds the "wallet balance" (step Sb3: No), the application screen display control unit 552 displays an error message on the eighth screen C8 indicating a shortage in the "wallet balance" and prompting the user to correct the amount deposited (step Sb4).
On the other hand, if the amount deposited in the "purpose-specific savings box" is equal to or less than the "wallet balance" (step Sb3: Yes), the first communication control unit 550 transmits a third request F3 to the fund management server 600 together with the information entered in the eighth screen C8 and the ID of the user U (step Sb5). The third request F3 is a message requesting the fund management server 600 to create a new "purpose-specific savings box".
The determination in step Sb3 may be made by the application screen display control unit 552, or by another functional unit realized by the first processing device 540 executing the funds management application MA. In step Sb3, the “wallet balance” is obtained by making an inquiry to the funds management server 600.

In the funds management server 600, when the second communication control unit 641 receives the third request F3 via the second communication device 610 (step Sb6), the purpose-specific savings management unit 650 starts processing to create a new "purpose-specific savings box".
Specifically, the purpose-specific savings management unit 650 generates the purpose-specific savings information 626 based on the information attached to the third request F3, and stores the purpose-specific savings information 626 in the second storage device 620 (step Sb7: new registration of purpose-specific savings information). In step Sb7, the purpose-specific savings management unit 650 sets the amount deposited in the "purpose-specific savings box" to the virtual savings amount 626D.

Next, the surplus money management unit 652 calculates the surplus money based on the virtual savings amount 626D of each purpose-specific savings information 626 of the user U and the balance of the bank account AB of the user U (step Sb8). By the processing of step Sb8, the amount of the "wallet balance", which is the surplus money, is updated in accordance with the virtual deposit into the "purpose-specific savings box".
Then, the second communication control unit 641 transmits the third response G3 to the user terminal 50 via the second communication device 610 (step Sb9). The third response G3 is a message notifying the fund management server 600 that the process for creating a new "purpose-specific savings box" has been completed.

In the user terminal 50, the first communication control unit 550 receives the third response G3 from the first communication device 500 (step Sb10), completing the series of processes related to creating a new "purpose-specific savings box."

In the first creation process, the determination of step Sb3 is made on the user terminal 50, so when the purpose-specific savings management unit 650 of the funds management server 600 executes step Sb8, the surplus will not become negative. Instead of or in addition to step Sb3 being performed on the user terminal 50, the purpose-specific savings management unit 650 may execute the following process. That is, the purpose-specific savings management unit 650 executes a determination equivalent to step Sb3 after step Sb8. Then, if the surplus becomes negative, the purpose-specific savings management unit 650 displays on the eighth screen C8 via the funds management app MA that the surplus will become negative, and has the user terminal 50 execute the process again from step Sb2.

[Second new creation process: Creating a new "Working Piggy Bank"]
In the present disclosure, in the second new creation process, first, registration for use of the discretionary investment service in the discretionary investment business operator system 40 is performed, and then the management policy is determined.

(Registration for Discretionary Investment Services)
FIG. 14 is a diagram showing an example of the operation of the support service system 1 when registering for use of the discretionary investment service.
In the user terminal 50, when the application operation acceptance unit 554 accepts an operation on the first new creation button E7A on the seventh screen C7, the first communication control unit 550 transmits a fourth request F4 to the fund management server 600 (step Sc1). The fourth request F4 is message data requesting the fund management server 600 to newly create a "working piggy bank".

In the fund management server 600, when the second communication control unit 641 receives the fourth request F4 via the second communication device 610 (step Sc2), the investment savings management unit 660 starts processing to create a new "working piggy bank."
Specifically, the investment savings management unit 660 transmits a fifth request F5 to the asset management server 400 of the discretionary investment business operator system 40 (Sc3). The fifth request F5 is message data requesting the asset management server 400 to register the start of use of the discretionary investment service by the user U.

When the asset management API unit 410 of the asset management server 400 receives the fifth request F5 through the third communication unit 408 (step Sc4), the asset management API unit 410 sends a sixth request F6 to the fund management server 600 (step Sc5). The sixth request F6 is message data requesting that the ninth screen C9 be displayed on the user terminal 50. This ninth screen C9 displays information that must be notified to the user U when the user starts using the discretionary investment service, and is a screen for acquiring information required to generate discretionary contract user information 422 for the user U.

In the fund management server 600, when the second communication control unit 641 receives the sixth request F6 via the second communication device 610 (step Sc6), the second communication control unit 641 transmits this sixth request F6 to the user terminal 50 (step Sc7).
In the user terminal 50, when the first communication control unit 550 receives the sixth request F6 from the first communication device 500 (step Sc8), the application screen display control unit 552 causes the display device 510 to display the ninth screen C9 (step Sc9).

FIG. 15 is a diagram showing an example of the ninth screen C9 in the funds management application MA.
As shown in FIG. 15, the ninth screen C9 has a 9A area E9A, a 9B area E9B, a 9C area E9C, a 9D area E9D, and a register button E9E.
The 9A area E9A is an area that displays the contents of the discretionary investment contract that the user U concludes with the discretionary investment business operator 4. The 9B area E9B is an area where the user U inputs his/her consent to the discretionary investment contract. The discretionary investment contract is concluded by the user's input in the 9B area E9B. The 9C area E9C is an area where risk tolerance information regarding the risk tolerance of the user U is input. The risk tolerance information includes, for example, information such as the investment purpose, the investment period, the target amount, and the user U's tolerance for a drop in the price of the financial product. The 9D area E9D is an area where the asset management server 400 inputs information (securities account access information) required to access the securities account AT of the user U and execute a buying and selling transaction of the financial product. The securities account access information includes, for example, the account number, the account holder, and authentication information of the securities account AT.

When the user U completes input in the 9th B area E9B, the 9th C area E9C, and the 9th D area E9D and operates the register button E9E, as shown in FIG. 14, the application operation acceptance unit 554 in the user terminal 50 accepts the operation of the register button E9E (step Sc10). Then, the first communication control unit 550 transmits a sixth response G6 to the fund management server 600 via the first communication device 500 (step Sc11). The sixth response G6 is response message data corresponding to the sixth request F6, and is data including information obtained through the 9th screen C9.

In the asset management server 600, when the second communication control unit 641 receives the sixth response G6 via the second communication device 610 (step Sc12), the second communication control unit 641 transmits this sixth response G6 to the asset management server 400 (step Sc13).
In the asset management server 400, when the asset management API unit 410 receives the sixth response G6 through the third communication unit 408 (step Sc14), the asset management API unit 410 extracts one or more candidate investment policies that match the risk tolerance of the user U from among the multiple default investment policies based on the risk tolerance information of the sixth response G6 (step Sc15). Then, the asset management API unit 410 transmits a seventh request F7 to the fund management server 600 (step Sc16). The seventh request F7 is message data requesting that a screen for allowing the user U to select one from the candidate investment policies be displayed on the display device 510 of the user terminal 50.

In the fund management server 600, when the second communication control unit 641 receives the seventh request F7 via the second communication device 610 (step Sc17), the second communication control unit 641 transmits this seventh request F7 to the user terminal 50 (step Sc18).
In the user terminal 50, when the first communication control unit 550 receives the seventh request F7 through the first communication device 500 (step Sc19), the application screen display control unit 552 displays a screen (not shown) on the display device 510 that allows the user U to select one of the management policy candidates. Then, when the user U selects an management policy, the application operation acceptance unit 554 accepts the selection operation (step Sc20), and the first communication control unit 550 transmits a seventh response G7 to the fund management server 600 through the first communication device 500 (step Sc21). The seventh response G7 is response message data corresponding to the seventh request F7, and is data including the management policy selected by the user U.

In the asset management server 600, when the second communication control unit 641 receives the seventh response G7 via the second communication device 610 (step Sc22), the second communication control unit 641 transmits this seventh response G7 to the asset management server 400 (step Sc23).
In the asset management server 400, when the asset management API unit 410 receives the seventh response G7 through the third communication unit 408 (step Sc24), the asset management API unit 410 generates the discretionary contract user information 422 and stores the discretionary contract user information 422 in the discretionary contract user information storage unit 402 (step Sc25: new registration of discretionary contract user information). After that, the asset management API unit 410 transmits a fifth response G5 to the fund management server 600 (step Sc26). The fifth response G5 is a response to the fifth request F5, and is message data notifying that the registration for the discretionary investment service has been completed.

In the fund management server 600, when the second communication control unit 641 receives the fifth response G5 by the second communication device 610 (step Sc27), the investment savings management unit 660 generates investment savings information 627 and stores the investment savings information 627 in the second storage device 620 (step Sc28: new investment savings information registration). In the present disclosure, the investment savings fund use 627C is attached to the fourth request F4 in step Sc1 and transmitted from the user terminal 50. In addition, the asset management linking information 627K is generated based on appropriate information (e.g., user ID) that can uniquely identify the asset management in the discretionary investment business operator system 40.
Thereafter, the second communication control unit 641 transmits a fourth response G4 from the second communication device 610 to the user terminal 50 (step Sc29). The fourth response G4 is a message responding to the fourth request F4, and is a message notifying that the new creation of the "Working Piggy Bank" has been completed.
In the user terminal 50, the first communication control unit 550 receives the fourth response G4 from the first communication device 500 (step Sc30), thereby completing a series of processes related to creating a new "Working Piggy Bank."

1.2.3 Depositing money into a piggy bank In the present disclosure, there are at least two timings for depositing money into a "purpose-specific piggy bank" and a "working piggy bank" (timings for savings to increase): The first deposit timing is the timing when the user U instructs the deposit. The second deposit timing is the timing when the automatic savings conditions of either the automatic virtual savings setting 626E of the "purpose-specific piggy bank" or the automatic savings setting of the "working piggy bank" (FIG. 4) are met. In the following explanation, a deposit made at the first timing is referred to as a "manual deposit", and a deposit made at the second timing is referred to as an "automatic deposit".

A. Manual Deposit
Manual deposit is performed by the user U operating the second screen C2 of the funds management application MA.
9, the second screen C2 is provided with a first savings button E2B2 and a second savings button E2A1. The first savings button E2B2 and the second savings button E2A1 are operation buttons that the user U uses to instruct the user to deposit money into the "piggy bank."

The first savings button E2B2 is provided in the second B display area E2B that displays the "wallet balance." The presence of the first savings button E2B2 in the second B display area E2B effectively prompts the user U to determine the amount of surplus money and to deposit money into the "piggy bank."
On the other hand, the second savings button E2A1 is provided in association with a deposit transaction (in the illustrated example, "salary deposit") in the deposit/withdrawal history of the bank account AB. The existence of the second savings button E2A1 in association with a deposit transaction effectively prompts the user U to deposit money into the "piggy bank" for each deposit transaction into the bank account AB.

When either the first savings button E2B2 or the second savings button E2A1 is operated by the user U, the app screen display control unit 552 of the user terminal 50 causes the display device 510 to display the tenth screen C10. The tenth screen C10 is a screen that allows the user U to select the "piggy bank" into which money is to be deposited.

FIG. 16 is a diagram showing an example of a tenth screen C10 in the fund management application MA.
As shown in FIG. 16, the tenth screen C10 is provided with a tenth A display area E10A, a tenth B display area E10B, a tenth C display area E10C, and a deposit button E10D.
The 10A display area E10A is an area that displays the "piggy bank" to which the user U is to deposit money from among the previously created "piggy banks" in an alternative manner. The 10B display area E10B is an area that displays the "wallet balance." The 10C display area E10C is an area that accepts user input of the amount to be deposited into the "piggy bank." The deposit execution button E10D is an operation button that the user U uses to instruct the user to deposit money into the "piggy bank."

The 10A display area E10A also includes a Create Piggy Bank button E10A1 that instructs the user to create a new "piggy bank." By operating the Create Piggy Bank button E10A1, the user U can create a new "piggy bank" for depositing money, in addition to the "piggy banks" that have already been created. Note that the operation performed when the Create Piggy Bank button E10A1 is operated is the same as that described with reference to Figures 12 to 15.

(Manual deposit to "Piggy Bank for specific purposes")
FIG. 17 is a diagram showing an example of the operation of the support service system 1 when a user U instructs to deposit money into the "purpose-specific savings box."
In the user terminal 50, when the application operation acceptance unit 554 accepts a deposit operation to the "purpose-specific savings box" by the user operation of the deposit execution button E10D (step Sd1), if the deposit amount to the "purpose-specific savings box" exceeds the "wallet balance" (step Sd2: No), the application screen display control unit 552 displays an error message indicating a shortage of the "wallet balance" and prompting the correction of the deposit amount on the tenth screen C10 (step Sd3). On the other hand, if the deposit amount to the "purpose-specific savings box" is equal to or less than the "wallet balance" (step Sd2: Yes), the first communication control unit 550 transmits a tenth request F10 to the fund management server 600 together with the "purpose-specific savings box" to be deposited, the deposit amount, and the ID of the user U (step Sd4). The tenth request F10 is message data requesting the fund management server 600 to deposit money into the "purpose-specific savings box".

The processes in steps Sd2 and Sd3 correspond to steps Sb3 and Sb4 in FIG. 13. That is, the determination in step Sd2 may be made by the app screen display control unit 552, or by another functional unit realized by the first processing device 540 executing the funds management app MA. In addition, in step Sd2, the "wallet balance" is obtained in advance by the app screen display control unit 552 or another functional unit querying the funds management server 600 when the tenth screen C10 is displayed.

In the fund management server 600, when the second communication control unit 641 receives the tenth request F10 via the second communication device 610 (step Sd5), the purpose-specific savings management unit 650 starts the process of depositing money into the "purpose-specific savings box." As described above, deposits into the "purpose-specific savings box" are processed by the fund management server 600 without involving deposits or withdrawals in the bank system 20.

Specifically, the purpose-specific savings management unit 650 identifies the purpose-specific savings information 626 corresponding to the "purpose-specific savings box" to which the deposit is to be made, based on the information attached to the tenth request F10 (step Sd6). Next, the purpose-specific savings management unit 650 adds the deposit amount attached to the tenth request F10 to the virtual savings amount 626D of the purpose-specific savings information 626 (step Sd7). The processing of this step Sd7 completes the virtual deposit into the "virtual savings box". The purpose-specific savings management unit 650 also adds the current deposit history information to the virtual savings history 626F (step Sd8).

Next, the surplus management unit 652 calculates the surplus based on the virtual savings amount 626D of each purpose-specific savings information 626 and the balance of bank account AB (step Sb9). By the processing of step Sd9, the amount of the "wallet balance", which is the surplus, is updated according to the virtual deposit into the "purpose-specific savings box".

Then, the second communication control unit 641 transmits a tenth response G10 to the user terminal 50 via the second communication device 610 (step Sd10). The tenth response G10 is message data notifying the user that the processing related to the deposit into the "purpose-specific savings box" has been completed in the fund management server 600.

In the user terminal 50, the first communication control unit 550 receives the tenth response G10 via the first communication device 500 (step Sd11), completing the series of processes related to depositing money into the "purpose-specific savings box."

In addition, instead of or in addition to step Sd2 being performed on the user terminal 50, the purpose-specific savings management unit 650 may perform the following process. That is, the purpose-specific savings management unit 650 performs a judgment equivalent to step Sd2 after step Sd9. Then, if the surplus becomes negative, the purpose-specific savings management unit 650 displays, via the funds management app MA, on the tenth screen C10 that the surplus becomes negative, and causes the user terminal 50 to execute the process again from step Sd1.

(Manual deposit to "Working Piggy Bank")
FIG. 18 is a diagram showing an example of the operation of the support service system 1 when a user U instructs the user to deposit money into the "Working Piggy Bank."
In the user terminal 50, when the application operation acceptance unit 554 accepts a deposit operation to the "Working Piggy Bank" by the user operation of the deposit execution button E10D (step Se1), if the deposit amount to the "Working Piggy Bank" exceeds the "Wallet Balance" (step Se2: No), the application screen display control unit 552 displays an error message indicating a shortage of the "Wallet Balance" and prompting the correction of the deposit amount on the 10th screen C10 (step Se3). On the other hand, if the deposit amount to the "Working Piggy Bank" is less than the "Wallet Balance" (step Se2: Yes), the first communication control unit 550 transmits an eleventh request F11 to the fund management server 600 together with the "Working Piggy Bank" to be deposited, the deposit amount to the "Working Piggy Bank", and the ID of the user U (step Se4). The eleventh request F11 is message data requesting the fund management server 600 to deposit money into the "Working Piggy Bank".
Steps Se2 and Se3 correspond to steps Sd2 and Sd3 in Fig. 17. Modifications of steps Se2 and Se3 are similar to steps Sd2 and Sd3.

In the fund management server 600, when the second communication control unit 641 receives the eleventh request F11 via the second communication device 610 (step Se5), the second communication control unit 641 transmits a twelfth request F12 to the asset management server 400 (step Se6). The twelfth request F12 is message data requesting the asset management server 400 to increase the investment funds for the asset management corresponding to the "Working Piggy Bank" by the deposit amount.

In the asset management server 400, when the asset management API unit 410 receives the twelfth request F12 through the third communication unit 408 (step Se7), the asset management API unit 410 performs a withdrawal process between the bank server 210 and the user U's bank account AB to the user U's securities account AT (step Se8). Note that the process of step Se8 is well known or based on a well-known method. Furthermore, the asset management server 400 has acquired bank account access information for accessing the user U's bank account AB to deposit and withdraw funds from the fund management server 600 or the user U prior to step Se8.

Then, the asset management API unit 410 performs a process to purchase financial products with the securities company server 310 up to the deposit amount specified by the user U (step Se9). In step Se9, the asset management API unit 410 determines the financial products to be purchased based on the management policy of the discretionary contract user information 422. Note that the purchase process in step Se9 is well known or is based on a well-known method.

By the processing of steps Se8 and Se9, the transfer of funds from user U's bank account AB to securities account AT and the purchase of financial products are completed, and the investment funds for asset management are increased according to the deposit amount specified by user U.

Then, the asset management API unit 410 adds the history of this purchase to the management history of the management information 426 corresponding to the "Working Piggy Bank" to which the deposit is made (step Se10), and sends a twelfth response G12 to the fund management server 600 (step Se11). The twelfth response G12 is response message data corresponding to the twelfth request F12, and is message data notifying the asset management server 400 that the investment funds for asset management have been increased. Note that in step Se10, if the management information 426 corresponding to the "Working Piggy Bank" to which the deposit is made is not registered in the management information database 425, i.e., if this is the first deposit into the "Working Piggy Bank," the asset management API unit 410 generates management information 426 based on this purchase and then adds the management history.

In the fund management server 600, when the second communication control unit 641 receives the twelfth response G12 via the second communication device 610 (step Se12), the second communication control unit 641 transmits an eleventh response G11 to the user terminal 50 (step Se13). The eleventh response G11 is a response message corresponding to the eleventh request F11, and is message data notifying the fund management server 600 that the deposit into the "Working Piggy Bank" has been completed.
If this is the first deposit into the "Working Piggy Bank," that is, if the asset management server 400 has newly generated the investment information 426 in step Se10, the investment savings management unit 660 updates the asset management linking information 627K of the investment savings information 627 corresponding to the "Working Piggy Bank" before step Se13. This update associates the "Working Piggy Bank" managed by the fund management server 600 with the investment information 426 newly generated by the asset management server 400.

In the user terminal 50, the first communication control unit 550 receives the eleventh response G11 via the first communication device 500 (step Se14), completing the series of processes related to depositing money into the "Working Piggy Bank."

[B. Automatic Deposit]
As described above, automatic deposit is performed automatically when the automatic savings conditions of either the automatic virtual savings setting 626E of the "purpose-specific savings box" or the automatic savings setting of the "working savings box" (FIG. 4) are met. The success or failure of the automatic savings conditions for the "purpose-specific savings box" is determined by the fund management server 600. The success or failure of the automatic savings conditions for the "working savings box" is determined by the asset management server 400.

(Automatic deposits to "purpose-specific savings boxes")
FIG. 19 is a diagram showing an example of the operation of the fund management server 600 when automatically depositing money into a "purpose-specific savings box."

In the fund management server 600, first, the purpose-specific savings management section 650 judges whether the "wallet balance" is equal to or greater than the amount deposited in the "purpose-specific savings box" (step Sf1).
If the "wallet balance" is equal to or greater than the amount deposited into the "purpose-specific savings box" (step Sf1: Yes), the purpose-specific savings management unit 650 adds the amount deposited to the virtual savings amount 626D of the purpose-specific savings information 626 corresponding to the "purpose-specific savings box" to which the money is to be deposited (step Sf2). On the other hand, if the "wallet balance" is less than the amount deposited into the "purpose-specific savings box" (step Sf1: No), the purpose-specific savings management unit 650 executes a process of making up the shortfall in the "wallet balance" by adjusting the virtual savings amount 626D of each "purpose-specific savings box".

Specifically, the purpose-specific savings management unit 650 temporarily increases the virtual savings amount 626D of the purpose-specific savings information 626 corresponding to the "purpose-specific savings box" to which the deposit is made by the amount of the deposit (step Sf3). Next, the purpose-specific savings management unit 650 reduces the virtual savings amount 626D in order from the "purpose-specific savings box" (purpose-specific savings information 626) with the lowest virtual savings priority 626I until the "wallet balance" shortage is resolved (step Sf4). By the processing of step Sf4, the virtual savings amount 626D is moved from the "purpose-specific savings box" with the lowest priority for the user U to the "purpose-specific savings box" with the highest priority. As a result, even if the "wallet balance" is insufficient, the virtual savings amount 626D of the "purpose-specific savings box" with the highest priority can be increased without stopping automatic deposits to the "purpose-specific savings box" with the highest priority. In addition, the upper limit for deductions to resolve shortfalls in the "wallet balance" may be set by user U for each "purpose-specific savings box" (purpose-specific savings information 626).

Then, the purpose-specific savings management unit 650 adds the current deposit history information to the virtual savings history 626F (step Sf5), completing the series of processes related to automatic deposits into the "purpose-specific savings box."

(Automatic deposit to the "Working Piggy Bank")
Fig. 20 is a diagram showing an example of the operation of the support service system 1 when automatically depositing money into the "Working Piggy Bank." In this figure, the same reference numerals are used for the processes shown in Fig. 18.
In the present disclosure, automatic deposit into the "Working Piggy Bank" corresponds to the asset management server 400 increasing the investment funds for asset management in accordance with the automatic savings settings of the management information 426. As shown in Fig. 20, the investment funds for asset management are increased by the asset management API unit 410 in the asset management server 400 executing the processes from step Se8 to step Se10 shown in Fig. 18.

1.2.4 Display Operation of Savings Status Confirmation Screen As described above, the user U confirms the savings status of the "piggy bank" by displaying the first screen C1 (FIG. 8) of the funds management application MA.
FIG. 21 is a diagram showing an example of the operation of the support service system 1 when the first screen C1 is displayed.
In the user terminal 50, when the application screen display control unit 552 displays the first screen C1 on the display device 510, first, the first communication control unit 550 transmits a twentieth request F20 together with the ID of the user U to the fund management server 600 (step Sh1). The twentieth request F20 is message data requesting the fund management server 600 to transmit the savings status of the "piggy bank".

In the fund management server 600, when the second communication control unit 641 receives the twentieth request F20 via the second communication device 610 (step Sh2), processing is initiated to obtain the savings status of the “purpose-specific savings box” and the “working savings box”.
Specifically, the purpose-specific savings management unit 650 reads each purpose-specific savings information 626 linked to the user ID of the user U from the purpose-specific savings database 623, and acquires the savings status of the "purpose-specific savings box" from each purpose-specific savings information 626 (step Sh3). In the present disclosure, the savings status of the "purpose-specific savings box" includes at least information on the virtual savings amount 626D and the automatic virtual savings setting 626E.
Next, the investment savings management unit 660 performs a process of inquiring with the asset management server 400 about the investment information 426 corresponding to each "working savings box" (investment savings) of the user U (step Sh4). Through this inquiry, the investment savings management unit 660 obtains at least the investment amount and the automatic savings setting as the savings status for each "working savings box" from the investment information 426.

In the fund management server 600, the second communication control unit 641 transmits the 20th response G20 from the second communication device 610 to the user terminal 50 (step Sh5). The 20th response G20 is a response message corresponding to the 20th request F20. That is, the 20th response G20 is data including the above-mentioned savings status of each "purpose-specific savings box" and each "working savings box". In addition, in this disclosure, the 20th response G20 also includes the fund usage 626C, 627C of each "purpose-specific savings box" and each "working savings box". That is, the 20th response G20 is also data that displays on the first screen C1 the savings status of each "purpose-specific savings box" and each "working savings box" in association with the fund usage 626C, 627C.

In the user terminal 50, when the first communication control unit 550 receives the twentieth response G20 via the first communication device 500 (step Sh6), the app screen display control unit 552 displays the first screen C1 on the display device 510 based on the twentieth response G20 (step Sh7).

1.2.5 Display Operation of Screens Linked to Bank Accounts As described above, the second screen C2 (FIG. 9) of the funds management application MA displays the transaction history of bank account AB and the "wallet balance."
FIG. 22 is a diagram showing an example of the operation of the support service system 1 when the second screen C2 is displayed.
In the user terminal 50, when the application screen display control unit 552 displays the second screen C2 on the display device 510, the first communication control unit 550 first transmits a 21st request F21 together with the ID of the user U to the fund management server 600 (step Si1). The 21st request F21 is message data requesting the fund management server 600 to transmit the "wallet balance" (surplus funds) and the transaction history of the bank account AB.

In the fund management server 600, when the second communication control unit 641 receives the 21st request F21 via the second communication device 610 (step Si2), the purpose-specific savings management unit 650 performs processing to inquire about the information of the bank account AB of the user U with the bank server 210 (step Si3). Through this inquiry, the purpose-specific savings management unit 650 obtains the balance and transaction history of the bank account AB. Note that the processing of step Si3 is well known or is processing based on a well-known method.
Next, the surplus money management unit 652 calculates the surplus money ("wallet balance") by subtracting the total amount of the virtual savings amount 626D of all "purpose-specific savings boxes" (purpose-specific savings information 626) from the balance of bank account AB (step Si4). Then, the second communication control unit 641 transmits a 21st response G21 from the second communication device 610 to the user terminal 50 (step Si5). The 21st response G21 is a response message corresponding to the 21st request F21, and is message data notifying the "wallet balance" (surplus money) and the transaction history of bank account AB.

In the user terminal 50, when the first communication control unit 550 receives the 21st response G21 from the first communication device 500 (step Si6), the application screen display control unit 552 displays the second screen C2 on the display device 510 based on the 21st response G21 (step Si7).

1.2.6 Display of total assets As described above, the third screen C3 ( FIG. 10 ) of the fund management application MA displays the total assets. The total assets is the sum of the balance of the user U's bank account AB and the investment amount of the assets managed by the discretionary investment service provider 4.
When displaying the third screen C3 (FIG. 10), the fund management server 600 obtains the balance of bank account AB from the bank server 210 by processing similar to step Si3 shown in FIG. 22, and also obtains the investment amount of the asset management from the asset management server 400 by processing similar to step Sh4 shown in FIG. 21. Next, the fund management server 600 transmits the balance of bank account AB and the investment amount of the asset management to the user terminal 50. Then, in the user terminal 50, the application screen display control unit 552 displays the third screen C3 on the display device 510 based on the balance of bank account AB and the investment amount of the asset management.

1.2.7 Push Notification of Asset Management Simulation Fig. 23 is a diagram showing push notification processing of an asset management simulation in the fund management server 600. Note that the processing shown in Fig. 23 is processing that is repeatedly executed by the fund management server 600 periodically, irregularly, or whenever a predetermined condition is satisfied.

As shown in FIG. 23, in the fund management server 600, first, for each of the purpose-specific savings information 626 registered in the purpose-specific savings database 623, the appropriate savings amount estimation unit 671 estimates the appropriate savings amount for the fund use 626C based on the user attributes in the user basic information 625 (step Sj1). Next, for each of the purpose-specific savings information 626 registered in the purpose-specific savings database 623, the achievement determination unit 672 determines whether the virtual savings amount 626D will reach the appropriate savings amount within a specified period of time based on the increase rate of the virtual savings amount 626D and the appropriate savings amount (step Sj2). In this disclosure, the specified period is the remaining period until the fund use 626C is realized, as described above.

Next, for the purpose-specific savings information 626 for which the result of the judgment in step Sj2 is negative, the appropriate risk tolerance estimation unit 674 estimates an appropriate risk tolerance according to the purpose of funds 626C (step Sj3). Then, for the purpose-specific savings information 626 for which the result of the judgment in step Sj2 is negative, the asset management simulation unit 673 uses the asset management server 400 to run a simulation in which the virtual savings amount 626D is switched to asset management (step Sj4).

Specifically, regarding step Sj4, the asset management simulation unit 673 transmits information such as the appropriate savings amount, the specified period, the rate of increase in the virtual savings amount 626D, and the appropriate risk tolerance from the second communication device 610 to the asset management server 400, and requests the asset management server 400 to simulate asset management based on this information.
When the asset management API unit 410 in the asset management server 400 receives this request, it identifies one or more financial products to be used for asset management. Specifically, the asset management API unit 410 identifies a financial product or a combination of financial products whose risk is equal to or lower than the appropriate risk tolerance and whose investment amount can reach the appropriate savings amount within a predetermined period, based on the financial product information 424 (FIG. 4).
Then, the asset management API unit 410 simulates the trend of the investment amount when assets are managed using the identified financial product or combination of financial products, and transmits the results of the asset management simulation to the money management server 600.

Then, in the fund management server 600, the second communication control unit 641 pushes the results of the asset management simulation to the user terminal 50 from the second communication device 610 (step Sj5). When the user terminal 50 receives this push transmission, the app screen display control unit 552 displays the eleventh screen C11 on the display device 510.

FIG. 24 is a diagram showing an example of an eleventh screen C11 in the fund management application MA.
The eleventh screen C11 is a screen that displays the results of a simulation of asset management, and as shown in FIG. 24, includes an 11A display area E11A, an 11B display area E11B, and a switch execution button E11C.
The 11A display area E11A is an area that displays the "purpose-specific savings box" that is the subject of the simulation. The 11A display area E11A may also display information such as an estimated appropriate savings amount and appropriate risk tolerance for this "purpose-specific savings box." The 11A display area E11A may also display an expected time when the savings amount is expected to reach the appropriate savings amount if savings are continued using the "purpose-specific savings box." The calculation of this expected time is performed by the achievement determination unit 672 or another functional unit of the fund management server 600 based on the rate at which the savings amount increases.
The 11B display area E11B is an area for displaying information related to a simulation of asset management. In the present disclosure, the 11B display area E11B displays a graph showing the trend of the investment amount in the above-mentioned specified period. In addition, the 11B display area E11B may display financial products used in asset management. In addition, the 11B display area E11B may display the difference between the expected achievement time and the above-mentioned specified period, that is, the shortened period for the period in which the savings amount reaches the appropriate savings amount. In addition, the display mode of the graph showing the trend of the investment amount is arbitrary. For example, the graph may show the trend of the investment amount for each of multiple risks within the range of the appropriate risk tolerance.
The switch execution button E11C is an operation button that allows the user U to give instructions to switch from the “purpose-specific savings box” (savings for a specific purpose) displayed in the 11A display area E11A to the simulated asset management (managed savings) displayed in the 11B display area E11B.

By displaying the eleventh screen C11 on the user terminal 50, the user U can understand which "purpose-specific savings boxes" may have insufficient savings amounts at the time when the funds are to be used for their intended purpose. In addition, after checking the graph showing the progress of the investment amount, the user U can rationally decide and select whether to continue saving by using the "purpose-specific savings boxes" or by using asset investment.

1.2.8 Switching from "Piggy Bank for a specific purpose" to "Piggy Bank for working" Fig. 25 is a diagram showing an example of the operation of the support service system 1 when switching from "Piggy Bank for a specific purpose" to "Piggy Bank for working". In this explanation of the operation, it is assumed that the registration for the discretionary investment service in the discretionary investment business operator system 40 (Fig. 14) has already been completed. In Fig. 25, the same reference numerals are used for the processes shown in Fig. 18.
In the user terminal 50, when the application operation acceptance unit 554 accepts an instruction to switch the "purpose-specific piggy bank" to the "working piggy bank" by a user operation of the switch execution button E11C on the eleventh screen C11 (step Sk1), the first communication control unit 550 transmits a 22nd request F22 to the fund management server 600 together with the "purpose-specific piggy bank" to be switched to and the ID of the user U (step Sk2). The 22nd request F22 is message data instructing the fund management server 600 to switch the user U's "purpose-specific piggy bank" to the "working piggy bank".

In the fund management server 600, when the second communication control unit 641 receives the 22nd request F22 by the second communication device 610 (step Sk3), the 22nd request F22 is accepted by the switching instruction acceptance unit 675. Then, the second communication control unit 641 transmits the 23rd request F23 to the asset management server 400 (step Sk4). The 23rd request F23 is message data including the following two instructions for the asset management server 400. The first instruction is to withdraw funds equivalent to the virtual savings amount 626D of the "purpose-specific savings box" from the user U's bank account AB and move the funds to the securities account AT. The second instruction is an instruction to start asset management based on the asset management simulation result (see step Sj5 in FIG. 23) pushed to the user terminal 50, using the funds moved to the securities account AT based on the first instruction as the source of capital. In this disclosure, the 23rd request F23 is accompanied by information included in the purpose-specific savings information 626, such as the automatic virtual savings setting 626E and the target savings amount 626H for the original "purpose-specific savings box," and this information is used to generate the management information 426 in the asset management server 400.

In the asset management server 400, when the asset management API unit 410 receives the 23rd request F23 through the third communication unit 408 (step Sk5), the asset management API unit 410 executes the process from step Se8 to step Se10 shown in FIG. 20. Through the process from step Se8 to step Se10, funds equivalent to the virtual savings amount 626D of the "purpose-specific savings box" specified by the user U are transferred from the bank account AB to the securities account AT, and the purchase of the financial product used in the simulation is made in the securities account AT within the amount of the funds transferred this time. In addition, new management information 426 is generated based on the purchase of the financial product this time and the information attached to the 23rd request F23, and the management information 426 is registered in the management information database 425.

Then, in the asset management server 400, the asset management API unit 410 sends a 23rd response G23 to the fund management server 600 (step Sk6). The 23rd response G23 is response message data corresponding to the 23rd request F23, and is message data that notifies the asset management server 400 that asset management has started.

In the fund management server 600, when the second communication control unit 641 receives the 23rd response G23 by the second communication device 610 (step Sk7), the investment savings management unit 660 generates new investment savings information 627 corresponding to the switching destination "Working Savings Box" (step Sk8). In this step Sk8, the investment savings information 627 is recorded in the user ID 626A and fund use 626C of the purpose-specific savings information 626, and the user ID 627A and fund use 627C of the investment savings information 627. Next, the purpose-specific savings management unit 650 invalidates the purpose-specific savings information 626 corresponding to the switching source "purpose-specific savings box" (step Sk9). Due to this invalidation, the "purpose-specific savings box" is invalidated in the fund management server 600, and is excluded from the "purpose-specific savings box" of the user U.
After that, the second communication control unit 641 transmits a 22nd response G22 to the user terminal 50 (step Sk10). The 22nd response G22 is a response message corresponding to the 22nd request F22, and is message data notifying that the fund management server 600 has completed switching from the "purpose-specific savings box" to the "working savings box".

In the user terminal 50, the first communication control unit 550 receives the 22nd response G22 via the first communication device 500 (step Sk11), completing the series of processes related to switching from the "purpose-specific savings box" to the "working savings box."

1.2.9 Surplus Funds Management Linked to Deposits and Withdrawals to Bank Accounts The fund management server 600 of the present disclosure manages the future trends of the "wallet balance" (surplus funds) based on the planned deposits and withdrawals to and from the bank account AB of the user U. If the "wallet balance" becomes negative in the future, the fund management server 600 notifies the user U in advance of the first warning that the "wallet balance" will become negative. In addition, if the "wallet balance" actually becomes negative due to a withdrawal from the balance of the bank account AB, the fund management server 600 also performs processing to eliminate the shortage of the "wallet balance". These operations are described in detail below.

[A: Advance warning of insufficient wallet balance (first warning notice)]
FIG. 26 is a diagram showing an example of the operation of the support service system 1 when a first warning is issued.
In the fund management server 600, the deposit/withdrawal schedule acquisition unit 680 acquires first schedule information 691 from the first terminal 71 via the second communication device 610, and also acquires second schedule information 692 from the second terminal 72 via the second communication device 610 (step Sm1). As described above, the first schedule information 691 is information on the scheduled date and time of deposit into bank account AB, and the amount of deposit. The second schedule information 692 is information including the scheduled date and time of withdrawal from bank account AB, and the amount of withdrawal.
In the present disclosure, the processing of step Sm1 is executed each time the first terminal 71 transmits first schedule information 691 to the fund management server 600, and each time the second terminal 72 transmits second schedule information 692 to the fund management server 600. In addition, the deposit/withdrawal schedule acquisition unit 680 registers the acquired first schedule information 691 and second schedule information 692 in the deposit/withdrawal schedule database 690 in association with the user U's bank account AB.

Then, the second communication control unit 641 sends the 30th request F30 to the bank server 210 via the second communication device 610 (step Sm2). The 30th request F30 is message data inquiring about the balance of user U's bank account AB. In the bank server 210, when the bank API unit 214 receives the 30th request F30 (step Sm3), it sends the 30th response G30 to the fund management server 600 (step Sm4). The 30th response G30 is response message data corresponding to the 30th request F30, and is data including the balance of user U's bank account AB.

In the fund management server 600, when the second communication control unit 641 receives the 30th response G30 by the second communication device 610 (step Sm5), the surplus management unit 652 executes a first judgment (step Sm6). The first judgment is a judgment as to whether there is a scheduled withdrawal date and time at which the "wallet balance" of the user U will be negative. This first judgment is made by the surplus management unit 652 estimating the future (i.e., future) trend of the balance of the bank account AB based on the balance of the bank account AB, the first schedule information 691, and the second schedule information 692. In addition, in the first judgment, the surplus management unit 652 of the present disclosure further takes into account the increase in the future savings amount of each of the "purpose-specific savings box" and the "working savings box" based on the automatic virtual savings setting 626E of the "purpose-specific savings box" and the automatic savings setting of the "working savings box".

Next, if the result of the first determination is positive (step Sm6: Yes), the surplus funds management unit 652 executes a second determination (step Sm7). The second determination is a determination as to whether the period during which the "wallet balance" is negative is shorter than the first period. This second determination is made based on the estimated result of the change in the balance of bank account AB in the first determination. The length of the first period is appropriate, and for example, a period such as 1 day, 12 hours, 1 hour, or 30 minutes is used.

If the second determination is negative (step Sm7: No), the second communication control unit 641 transmits a thirty-first request F31 to the user terminal 50 via the second communication device 610 (step Sm8). The thirty-first request F31 is message data requesting that a first warning be displayed to the effect that the "wallet balance" will become negative at the scheduled future withdrawal date and time.
In the user terminal 50, when the first communication control unit 550 receives the 31st request F31 via the first communication device 500 (step Sm9), the app screen display control unit 552 notifies the user U by displaying a first warning on the display device 510 (step Sm10).

By notifying user U of the first warning, user U can be encouraged to take savings action, such as depositing cash on hand into bank account AB, and can also be encouraged to review the automatic virtual savings setting 626E of the "purpose-specific piggy bank" and the automatic savings setting of the "working piggy bank." The first warning is not notified to user U if the period during which the "wallet balance" is negative is shorter than the first period, thereby preventing excessive notifications of the first warning.

[B: Processing to resolve insufficient "wallet balance"]
Fig. 27 is a diagram showing an example of the operation of the fund management server 600 when a shortage in the "wallet balance" is resolved. The process shown in Fig. 27 is executed by the fund management server 600 periodically, irregularly, or repeatedly whenever a predetermined condition is met.

In the fund management server 600, the surplus funds management unit 652 calculates the "wallet balance" of user U (step Sn1). Specifically, in step Sn1, the surplus funds management unit 652 calculates the "wallet balance" by subtracting the virtual savings amount 626D of user U's savings information by purpose 626 from the balance of bank account AB of said user U. In addition, the process for obtaining the balance of bank account AB is similar to the process from step Sm2 to step Sm5 shown in FIG. 26, for example.

Next, the surplus funds management unit 652 determines whether the "wallet balance" is negative (step Sn2). If the "wallet balance" is negative (step Sn2: Yes), the surplus funds management unit 652 executes the second determination (step Sn3). The process of step Sn3 is the same as step Sm7 shown in FIG. 26.

If the second judgment is negative (step Sn3: No), the purpose-specific savings management unit 650 reduces the virtual savings amount 626D in order, starting with the "purpose-specific savings box" (purpose-specific savings information 626) with the lowest virtual savings priority 626I, until the shortage in the "wallet balance" is resolved (step Sn4). The processing in step Sn4 is the same as step Sf4 shown in FIG. 19.

The processing of FIG. 27 prevents the "wallet balance" from remaining negative beyond the first period. Also, for "purpose-specific savings boxes" with a high virtual savings priority 626I, the withdrawal of virtual savings amount 626D can be suppressed. Also, the processing of step Sn4 in FIG. 27 is not performed if the period during which the "wallet balance" is negative is shorter than the first period, so the frequency of withdrawal of virtual savings amount 626D from "purpose-specific savings boxes" can be suppressed.

1.2.10 Notification of Loan Repayment Plan The fund management server 600 of the present disclosure manages the future changes in the balance of bank account AB based on the planned deposits and withdrawals to and from bank account AB of user U. If the balance of bank account AB will become negative in the future, the fund management server 600 notifies user U in advance of the results of a simulation of a repayment plan when repaying the amount of withdrawals that will cause the balance of bank account AB to become negative through a loan. This operation will be described in detail below.

FIG. 28 is a diagram showing an example of the operation of the support service system 1 when notifying the result of the repayment plan simulation.
In the fund management server 600, the deposit/withdrawal schedule acquisition unit 680 acquires the first schedule information 691 and the second schedule information 692 (step So1). Next, the fund management server 600 executes the process of steps So2 to So5 with the bank server 210 to inquire about the balance of bank account AB. The process of steps So1 to So5 is the same as the process of steps Sm1 to Sm5 shown in FIG.

After the balance of bank account AB is obtained from the bank server 210, the surplus funds management unit 652 executes a third determination (step So6). The third determination is a determination as to whether the balance of bank account AB will be negative at any of the future scheduled withdrawal dates and times. This third determination is performed by the surplus funds management unit 652 estimating the future transition of the balance of bank account AB based on the balance of bank account AB, the first schedule information 691, and the second schedule information 692, similar to the first determination.
If the third determination is positive (step So6: Yes), the repayment simulation unit 682 executes a simulation (step So7). This simulation is a simulation of a loan repayment plan in which the amount of withdrawal that causes the balance of the bank account AB to become negative is taken as the borrowed amount.

Then, the second communication control unit 641 transmits a 32nd request F32 to the user terminal 50 via the second communication device 610 (step So8). The 32nd request F32 is message data requesting that the user terminal 50 display a second warning that the balance of the bank account AB will become negative in the future and the results of the simulation of the repayment plan in step So7.
In the user terminal 50, when the first communication control unit 550 receives the 32nd request F32 via the first communication device 500 (step So9), the app screen display control unit 552 notifies the user U by displaying a second warning and the simulation results of the repayment plan on the display device 510 (step So10).

By notifying user U of the second warning, user U can know in advance that withdrawals from bank account AB may become impossible due to insufficient balance, and can take measures. In addition, by displaying the results of a simulation of the repayment plan, user U can rationally decide whether or not to take out a loan to deal with the insufficient balance in bank account AB.

1.3: Effects of the First Embodiment In the above description, the funds management server 600 comprises the second communication device 610 , the purpose-specific savings management unit 650 , and the second communication control unit 641 .
The second communication device 610 is an example of a communication device, and communicates with the bank system 20 that manages the bank account AB of the user U, and with the user terminal 50 used by the user U. The purpose-specific savings management unit 650 manages a part or all of the balance of the bank account AB obtained from the bank system 20 via the second communication device 610 by dividing it into multiple purpose-specific virtual savings amounts 626D that correspond one-to-one to multiple fund uses desired by the user U. The second communication control unit 641 transmits data (20th response G20) via the second communication device 610 for displaying the virtual savings amounts 626D of each of the multiple purpose-specific savings on the user terminal 50.
The bank account AB and the bank system 20 are examples of a financial account and a financial institution system, respectively.

With the above configuration, the fund management server 600 manages the balance of bank account AB by dividing it into multiple savings accounts for specific purposes, and controls the display of the savings amount of each savings account for specific purposes on the user terminal 50, independently of the bank system 20. Therefore, the bank system 20 does not need to transfer funds such as deposits and withdrawals to and from bank account AB in accordance with the individual savings amounts of the savings accounts for specific purposes, and the load on the bank system 20 is reduced.

Furthermore, in the fund management server 600, the second communication device 610 communicates with a discretionary investment business operator system 40 that manages the asset management of user U based on a discretionary investment contract concluded between user U and the discretionary investment business operator 4. The second communication control unit 641 transmits the investment amount of the asset management acquired from the discretionary investment business operator system 40 via the second communication device 610 to the user terminal 50 via the second communication device 610.
Therefore, the fund management server 600 can provide the user U with asset management support services in addition to purpose-specific savings.

The fund management server 600 also includes an investment savings management unit 660. The investment savings management unit 660 manages the asset management managed by the discretionary investment business operator system 40 in association with the fund use 627C of the user U. The second communication control unit 641 transmits data (20th response G20) via the second communication device 610 to display on the user terminal 50 the savings amount of each of the multiple purpose-specific savings and the investment amount of the asset management in association with the fund use 626C, 627C.
Therefore, the user U can grasp the savings amount and investment amount for each fund use 626C, 627C.

The fund management server 600 also includes an asset management simulation unit 673 that executes a simulation of a case where the virtual savings amount 626D of at least one of the multiple purpose-specific savings is managed as an asset. The second communication control unit 641 transmits data for displaying the results of the asset management simulation on the user terminal 50 via the second communication device 610.
Therefore, after checking the results of the asset management simulation, the user U can rationally judge and choose whether to continue saving by saving using the "purpose-specific savings box" or by saving through asset management.

The fund management server 600 also includes an appropriate savings amount estimation unit 671 and an achievement determination unit 672. The appropriate savings amount estimation unit 671 estimates an appropriate savings amount for the fund use 626C of the purpose-specific savings based on the user attributes of the user U. The achievement determination unit 672 determines whether the virtual savings amount 626D will reach the appropriate savings amount within a predetermined period of time based on the increase speed of the virtual savings amount 626D and the appropriate savings amount for each of the multiple purpose-specific savings. The asset management simulation unit 673 executes an asset management simulation when the determination result of the achievement determination unit 672 is negative.
Therefore, the user U can understand the purpose-specific savings that may become insufficient in the future, in terms of the virtual savings amount 626D relative to the fund use 626C, and the user U can also consider saving through asset management.

In addition, in the fund management server 600, the asset management simulation unit 673 identifies financial products or combinations of financial products whose investment amount can reach the appropriate savings amount within a specified period of time, and performs a simulation of asset management using the identified financial products or combinations of financial products.
Therefore, it is possible to present to the user U an asset management plan that is highly likely to achieve the appropriate savings amount for the fund use 626C.

The fund management server 600 also includes an appropriate risk tolerance estimation unit 674 that estimates an appropriate risk tolerance that is an appropriate risk tolerance according to the fund use 626C of the purpose-specific savings. The asset management simulation unit 673 identifies a financial product or a combination of financial products whose risk is equal to or lower than the appropriate risk tolerance and whose investment amount can reach the appropriate savings amount within a predetermined period, and executes a simulation of asset management using the identified financial product or combination of financial products.
Therefore, it is possible to present to the user U asset management with appropriate risk for the fund use 626C.

The fund management server 600 also includes a switching instruction receiving unit 675 that receives a switching instruction to switch any one of the multiple purpose-specific savings to asset management from the user terminal 50 via the second communication device 610. When a switching instruction is received by the switching instruction receiving unit 675, the second communication control unit 641 transmits an instruction to the discretionary investment business operator system 40 via the second communication device 610 to withdraw funds equivalent to the virtual savings amount 626D of the purpose-specific savings instructed by the switching instruction from the user U's bank account AB and to start asset management based on the above-mentioned asset management simulation using the funds as a source of capital.
Therefore, user U does not need to separately withdraw money from bank account AB at bank 2 and instruct the discretionary investment service provider 4 to start operation, thereby improving convenience for user U.

The fund management server 600 also includes a surplus management unit 652 that manages the surplus remaining after deducting the virtual savings amount 626D of each of the multiple purpose-specific savings from the balance of bank account AB. The second communication control unit 641 transmits, via the second communication device 610, data (21st response G21) for displaying the virtual savings amount 626D of each of the multiple purpose-specific savings and the surplus on the user terminal 50.
According to the configuration of the fund management server 600, the virtual savings amount 626D of each of the multiple purpose-specific savings and the surplus are all managed by the fund management server 600 independently of the bank system 20, and the balance of bank account AB is not affected by the virtual savings amount 626D and the surplus. Therefore, even if a withdrawal amount greater than the surplus is scheduled for bank account AB, there is no need to avoid a balance shortage by transferring funds, such as by depositing money from another financial account to bank account AB, and this does not lead to an increase in transactions in the bank system 20.

The fund management server 600 also includes a deposit/withdrawal schedule acquisition unit 680. The deposit/withdrawal schedule acquisition unit 680 acquires first schedule information 691, including the scheduled deposit date and time and the deposit amount for the bank account AB, from the first terminal 71 via the second communication device 610. The deposit/withdrawal schedule acquisition unit 680 also acquires second schedule information 692, including the scheduled withdrawal date and time and the withdrawal amount from the bank account AB, from the second terminal 72 via the second communication device 610. The surplus fund management unit 652 executes a first determination to determine whether or not there is a scheduled withdrawal date and time at which the surplus fund will be negative, based on the balance of the bank account AB, the first schedule information 691, and the second schedule information 692. If the determination result of the first determination is positive, the second communication control unit 641 transmits data (a 31st request F31) via the second communication device 610 for displaying a first warning to the user terminal 50 that the surplus fund will be negative in the future.
By notifying user U of the first warning, user U can be encouraged to take savings action, such as depositing cash on hand into bank account AB, and user U can also be encouraged to review the automatic savings settings for purpose-specific savings and investment savings.

In addition, in the fund management server 600, the surplus management unit 652 executes a second judgment to judge whether or not the period during which the surplus is negative is shorter than the first period. When the judgment result of the first judgment is positive, and the judgment result of the second judgment is negative (FIG. 26: step Sm6: Yes and step Sm7: No), the second communication control unit 641 transmits data (thirty-first request F31) for displaying the first warning on the user terminal 50 via the second communication device 610. When the judgment result of the second judgment is positive (FIG. 26: step Sm6: Yes and step Sm7: Yes), the second communication control unit 641 does not transmit data (thirty-first request F31) for displaying the first warning on the user terminal 50 via the second communication device 610.
Therefore, if the period during which the surplus funds remain negative is shorter than the first period, the first warning is not notified to the user U, thereby preventing excessive notifications of the first warning.

In addition, in the fund management server 600, when the surplus becomes negative, the purpose-specific savings management unit 650 executes a process to make the surplus equal to or greater than zero by reducing the virtual savings amount 626D of one or more of the multiple purpose-specific savings in order of decreasing virtual savings priority 626I set by the user U for each of the purpose-specific savings.
Therefore, it is possible to prevent the surplus from remaining negative, and also to prevent withdrawal of the virtual savings amount 626D for savings by purpose with a high virtual savings priority level 626I.

In addition, in the fund management server 600, the surplus management unit 652 executes a second determination to determine whether the period during which the surplus is negative is shorter than the first period. In addition, when the surplus becomes negative, if the result of the second determination is negative (FIG. 27: step Sn2: Yes and step Sn3: No), the purpose-specific savings management unit 650 executes a process to make the surplus equal to or greater than zero. On the other hand, if the result of the second determination is positive (FIG. 27: step Sn2: Yes and step Sn3: Yes), the purpose-specific savings management unit 650 does not execute a process to make the surplus equal to or greater than zero.
Therefore, if the period during which the surplus is negative is shorter than the first period, the purpose-specific savings are not withdrawn, so that the frequency of withdrawals from the purpose-specific savings due to a shortage of surplus can be reduced.

Furthermore, in the fund management server 600, the surplus fund management unit 652 executes a third determination to determine whether or not the balance of bank account AB will be negative at the scheduled withdrawal date and time, based on the balance of bank account AB, the first schedule information 691, and the second schedule information 692. If the result of the third determination is positive, the second communication control unit 641 transmits, via the second communication device 610, data (a 32nd request F32) for displaying a second warning on the user terminal 50 to the effect that payment will be impossible at the scheduled withdrawal date and time.
Therefore, user U can know in advance from the second warning that withdrawal from bank account AB may not be possible due to insufficient funds, and can take appropriate measures.

The fund management server 600 also includes a repayment simulation unit 682. If the third determination is positive, the repayment simulation unit 682 simulates a loan repayment plan in which the amount of withdrawal that would cause the balance of bank account AB to become negative is taken as the borrowed amount. The second communication control unit 641 transmits data (a 32nd request F32) for displaying the results of the simulation of the repayment plan on the user terminal 50 via the second communication device 610.
Therefore, based on the results of the repayment plan simulation, user U can rationally decide whether or not to take out a loan to address the shortfall in the balance of bank account AB.

2: Second Embodiment Hereinafter, the second embodiment will be described.
The fund management server 600 of this embodiment differs from the fund management server 600 of the first embodiment in that the savings amount of purpose-specific savings, which have a common use of funds, and the investment amount of investment savings through asset management are associated with each other and displayed on the user terminal 50.

FIG. 29 is a diagram showing an example of the twelfth screen C12 in the funds management application MA.
The twelfth screen C12 is a screen that displays the savings status of the purpose-specific savings and the investment savings in the fund management application MA, and corresponds to the first screen C1 (FIG. 8) in the first embodiment. In the present disclosure, the twelfth screen C12 includes a 12A display area E12A and one or more 12B display areas E12B as shown in FIG.

The 12A-th display area E12A is an area that displays the combined amount of savings by item and investment savings (total savings), and corresponds to the 1C-th display area E1C of the first screen C1.
The 12B display area E12B is an area that displays the amount of savings for one fund use, and displays the virtual savings amount 626D of the "purpose-specific savings box" that has a common fund use and the investment amount of the "working savings box" in association with each other. In addition, in the present disclosure, one 12B display area E12B is provided with a switch button E12B1. The switch button E12B1 is a button that instructs the user U to switch a part or all of the virtual savings amount 626D of the "purpose-specific savings box" to the asset management of the "working savings box" that has a common fund use with the "purpose-specific savings box". Although not shown in the figure, the 12B display area E12B is provided with an input field in which the user U inputs the amount to be switched to the "working savings box" (hereinafter referred to as the "switching amount") within the range of the virtual savings amount 626D of the "purpose-specific savings box".

In this embodiment, the twentieth response G20 (FIG. 21: step Sh5) received by the first communication control unit 550 of the user terminal 50 corresponds to the savings status of the "purpose-specific savings box" and the "working savings box" for each of the fund uses 626C and 627C. In other words, when the fund use 626C of the "purpose-specific savings box" and the fund use 627C of the "working savings box" are the same, the "purpose-specific savings box" and the "working savings box" are each associated with the common fund use 626C and 627C. Then, the app screen display control unit 552 of the user terminal 50 displays the twelfth screen C12 on the display device 510 based on this twentieth response G20.

By displaying the twelfth screen C12, the user U can grasp the savings situation in the "purpose-specific savings box" and the "working savings box" for each common fund use 626C, 627C. In addition, the user U can easily switch a part or all of the virtual savings amount 626D in the "purpose-specific savings box" to asset management in the "working savings box" by operating the switch button E12B1.

Fig. 30 is a diagram showing an example of the operation of the fund management server 600 when switching the virtual savings amount 626D of the "purpose-specific savings box" to the asset management of the "working savings box". In Fig. 30, steps having the same processing as in Fig. 25 are given the same reference numerals.
30, when a user operates the switch button E12B1 on the twelfth screen C12 on the user terminal 50 (step Sp1), the first communication control unit 550 transmits a fortieth request F40 to the fund management server 600 together with the "purpose-specific savings box" to be switched to, the switching amount, and the ID of the user U (step Sp2). The fortieth request F40 is message data instructing the fund management server 600 to switch the switching amount of the virtual savings amount 626D of the "purpose-specific savings box" to the "working savings box".

In the fund management server 600, when the second communication control unit 641 receives the 40th request F40 via the second communication device 610 (step Sk3), the 40th request F40 is accepted by the switching instruction acceptance unit 675. Then, in the support service system 1, the processing from step Sk4 to step Sk7 shown in FIG. 30 is performed, and funds equivalent to the switching amount out of the virtual savings amount 626D of the "purpose-specific savings box" are withdrawn from the bank account AB, and the funds are transferred to the securities account AT, and the funds transferred to the securities account AT are added to the investment funds for asset management.

Then, in the fund management server 600, the purpose-specific savings management unit 650 reduces the virtual savings amount 626D of the purpose-specific savings information 626 by the switching amount (step Sp4). Then, the second communication control unit 641 sends the 40th response G40 to the user terminal 50 (step Sp5). The 40th response G40 is a response message corresponding to the 40th request F40, and is message data notifying the fund management server 600 that the switching amount specified by the user U of the virtual savings amount 626D of the "purpose-specific savings box" has been switched to the "working savings box".

In the user terminal 50, the first communication control unit 550 receives the 40th response G40 via the first communication device 500 (step Sp6), completing a series of processes to switch part or all of the virtual savings amount 626D in the "purpose-specific savings box" to the "working savings box."

In the explanation of the second embodiment, the second communication control unit 641 of the fund management server 600 transmits data (20th response G20) via the second communication device 610 to display on the user terminal 50 the virtual savings amount 626D of the purpose-specific savings, which have common fund uses 626C, 627C, and the investment amount of the asset management, in correspondence with each other.
Therefore, the user U can grasp the savings status of the "purpose-specific savings box" and the "working savings box" for each common fund use 626C, 627C.

In addition, in the fund management server 600, the switching instruction receiving unit 675 receives a switching instruction from the user terminal 50 via the second communication device 610 to switch a switching amount equivalent to a part or all of the virtual savings amount 626D for any one of the multiple purpose-specific savings to asset management (investment savings) for fund use 627C that is common to the fund use 626C of the one purpose-specific savings. The investment savings management unit 660 transmits an instruction to the discretionary investment business operator system 40 via the second communication device 610 to withdraw funds equivalent to the switching amount instructed by the switching instruction from the user U's bank account AB and add the funds to the investment funds for asset management (investment savings) for fund use 627C that is common to the fund use 626C of the one purpose-specific savings.
Therefore, user U can easily transfer the virtual savings amount 626D of the purpose-specific savings to investment funds for asset management between the purpose-specific savings and asset management (investment savings), which have common fund uses 626C, 627C, without separately withdrawing money from bank account AB at bank 2 and instructing the discretionary investment business operator 4 to start the management.

3. Modifications The present disclosure is not limited to the above-described embodiments. Specific modifications are exemplified below. Two or more of the following examples may be combined.

3-1: Modification 1
In the above-mentioned fund management server 600, when the surplus becomes negative, the purpose-specific savings management unit 650 reduces the savings amount of one or more of the multiple purpose-specific savings in order of decreasing virtual savings priority 626I set by the user U for each purpose-specific savings (FIG. 19: step Sf4, and FIG. 27: step Sn4). However, the purpose-specific savings management unit 650 may also reduce the savings amount of each purpose-specific savings in order of the furthest time to realize the fund use 626C. As a result, the withdrawal of the purpose-specific savings for which the fund use 626C is about to be realized is prevented.
In addition, the purpose-specific savings management unit 650 may reduce the purpose-specific savings in advance and make the future surplus greater than or equal to zero when it is estimated that the surplus will become negative in the future (step Sm6 in Figure 26: Yes), instead of when the surplus has become negative.

3-2: Variation 2
In the above-mentioned support service system 1, the number of bank systems 20 is not limited to one. For example, the bank system 20 may include a first bank system and a second bank system that are different from each other. In this case, in the fund management server 600, the purpose-specific savings management unit 650 manages a part or all of the total balance of the bank account AB managed by the first bank system and the bank account AB managed by the second bank system, by dividing it into multiple purpose-specific savings.

3-3: Variation 3
In the above-mentioned support service system 1, the discretionary investment business operator system 40 is not limited to one. For example, the discretionary investment business operator system 40 may include a first discretionary investment business operator system and a second discretionary investment business operator system. In this case, the first discretionary investment business operator system is a system that manages the asset management of the user U based on a first discretionary investment contract concluded between the user U and the first discretionary investment business operator. The second discretionary investment business operator system is a system that manages the asset management of the user U based on a second discretionary investment contract concluded with a second discretionary investment business operator different from the first discretionary investment business operator. In addition, in the fund management server 600, the second communication device 610 communicates with each of the first discretionary investment business operator system and the second discretionary investment business operator system, and the second communication control unit 641 transmits the management information 426 related to the asset management acquired from each of the first discretionary investment business operator system and the second discretionary investment business operator system via the second communication device 610 to the user terminal 50 via the second communication device 610.

3-4: Variation 4
In the above-mentioned fund management server 600, the second communication control unit 641 may transmit the amount of asset management in the securities account AT obtained from the securities company system 30 via the second communication device 610 to the user terminal 50 via the second communication device 610.
With the configuration of the fund management server 600 of this modified example, the fund management server 600 can obtain the investment amount of assets and transmit the investment amount to the user terminal 50 without going through the discretionary investment business operator system 40.

3-5: Variation 5
In the above-mentioned support service system 1, the fund management system 60 may include the discretionary investment business operator system 40, or the fund management system 60 may be provided with the asset management server 400 of the discretionary investment business operator system 40. In this case, the fund management server 600 may have some or all of the functions of the asset management server 400.

3-6: Variation 6
In the support service system 1 described above, the first processing device 540 of the user terminal 50 executes the funds management app MA to display various screens such as the first screen C1 on the display device 510. However, the funds management server 600 may execute a web app equivalent to the funds management app MA, and the user terminal 50 may access this web app via a web browser to display various screens on the display device 510.

4. Others (1) In the above-mentioned embodiment, the first storage device 530 and the second storage device 620 may be ROM and RAM, etc. Also, the first storage device 530 and the second storage device 620 may be a flexible disk, a magneto-optical disk (e.g., a compact disk, a digital versatile disk, a Blu-ray (registered trademark) disk), a smart card, a flash memory device (e.g., a card, a stick, a key drive), a CD-ROM (Compact Disc-ROM), a register, a removable disk, a hard disk, a floppy (registered trademark) disk, a magnetic strip, a database, a server, or other suitable storage medium. Also, the program may be transmitted from a network via a telecommunication line. Also, the program may be transmitted from a communication network via a telecommunication line.

(2) In the above-described embodiments, the information, signals, etc. described may be represented using any of a variety of different technologies. For example, data, instructions, commands, information, signals, bits, symbols, chips, etc. that may be referred to throughout the above description may be represented by voltages, currents, electromagnetic waves, magnetic fields or magnetic particles, optical fields or photons, or any combination thereof.

(3) In the above-described embodiment, the input and output information, etc. may be stored in a specific location (e.g., memory) or may be managed using a management table. The input and output information, etc. may be overwritten, updated, or added to. The output information, etc. may be deleted. The input information, etc. may be transmitted to another device.

(4) In the above-described embodiment, the determination may be made based on a value represented by one bit (0 or 1), a Boolean value (true or false), or a comparison of numerical values (e.g., a comparison with a predetermined value).

(5) The order of the process steps, sequences, flow charts, etc. illustrated in the above-described embodiments may be changed as long as it is not inconsistent. For example, the methods described in this disclosure present elements of various steps using an example order and are not limited to the particular order presented.

(6) Each function illustrated in FIG. 2 to FIG. 6 is realized by any combination of at least one of hardware and software. Furthermore, there are no particular limitations on the method of realizing each functional block. That is, each functional block may be realized using one device that is physically or logically coupled, or may be realized using two or more devices that are physically or logically separated and directly or indirectly connected (e.g., using wires, wirelessly, etc.). A functional block may be realized by combining software with the one device or the multiple devices.

(7) The programs exemplified in the above-described embodiments should be broadly construed to mean instructions, instruction sets, code, code segments, program code, programs, subprograms, software modules, applications, software applications, software packages, routines, subroutines, objects, executable files, threads of execution, procedures, functions, etc., regardless of whether software is called software, firmware, middleware, microcode, hardware description language, or by other names.

Software, instructions, information, etc. may also be transmitted and received via a transmission medium. For example, if the software is transmitted from a website, server, or other remote source using wired technologies (such as coaxial cable, fiber optic cable, twisted pair, Digital Subscriber Line (DSL)), and/or wireless technologies (such as infrared, microwave), these wired and/or wireless technologies are included within the definition of a transmission medium.

(8) In each of the above forms, the terms "system" and "network" are used interchangeably.

(9) The information, parameters, etc. described in this disclosure may be expressed using absolute values, may be expressed using relative values from a predetermined value, or may be expressed using other corresponding information.

(10) In the above-described embodiment, the user terminal 50 may be a mobile station (MS). A mobile station may also be referred to by those skilled in the art as a subscriber station, mobile unit, subscriber unit, wireless unit, remote unit, mobile device, wireless device, wireless communication device, remote device, mobile subscriber station, access terminal, mobile terminal, wireless terminal, remote terminal, handset, user agent, mobile client, client, or some other suitable term. In this disclosure, the terms "mobile station", "user terminal", "user equipment (UE)", "terminal", etc. may be used interchangeably.

(11) In the above-mentioned embodiments, the terms "connected" and "coupled" or any variation thereof refer to any direct or indirect connection or coupling between two or more elements, and may include the presence of one or more intermediate elements between two elements that are "connected" or "coupled" to each other. The coupling or connection between elements may be physical, logical, or a combination thereof. For example, "connected" may be read as "access". As used in this disclosure, two elements may be considered to be "connected" or "coupled" to each other using at least one of one or more wires, cables, and printed electrical connections, as well as electromagnetic energy having wavelengths in the radio frequency range, microwave range, and light (both visible and invisible) range, as some non-limiting and non-exhaustive examples.

(12) In the above embodiments, the term "based on" does not mean "based only on," unless otherwise specified. In other words, the term "based on" means both "based only on" and "based at least on."

(13) The terms "determining" and "determining" as used in this disclosure may encompass a wide variety of actions. "Determining" and "determining" may include, for example, judging, calculating, computing, processing, deriving, investigating, looking up, search, inquiry (e.g., searching in a table, database, or other data structure), and considering ascertaining as "judging" or "determining". Also, "determining" and "determining" may include considering receiving (e.g., receiving information), transmitting (e.g., sending information), input, output, and accessing (e.g., accessing data in memory) as "judging" or "determining". Additionally, "judgment" and "decision" can include considering resolving, selecting, choosing, establishing, comparing, etc., to have been "judged" or "decided." In other words, "judgment" and "decision" can include considering some action to have been "judged" or "decided." Additionally, "judgment (decision)" can be interpreted as "assuming," "expecting," "considering," etc.

(14) In the above embodiments, when the terms "include," "including," and variations thereof are used, these terms are intended to be inclusive, similar to the term "comprising." Furthermore, the term "or" as used in this disclosure is not intended to be an exclusive or.

(15) In this disclosure, where articles have been added by translation, such as a, an, and the in English, this disclosure may include that the nouns following these articles are plural.

(16) In this disclosure, the term "A and B are different" may mean "A and B are different from each other." In addition, the term may mean "A and B are each different from C." Terms such as "separate" and "combined" may also be interpreted in the same way as "different."

(17) Each aspect/embodiment described in this disclosure may be used alone, in combination, or switched depending on the execution. In addition, notification of specific information (e.g., notification that "X is the case") is not limited to being done explicitly, but may be done implicitly (e.g., not notifying the specific information).

Although the present disclosure has been described in detail above, it is clear to those skilled in the art that the present disclosure is not limited to the embodiments described herein. The present disclosure can be implemented in modified and altered forms without departing from the spirit and scope of the present disclosure as defined by the claims. Therefore, the description of the present disclosure is intended as an illustrative example and does not have any limiting meaning on the present disclosure.

1...Support service system, 2...Bank, 3...Securities company, 4...Discretionary investment business operator, 20...Bank system, 30...Securities company system, 40...Discretionary investment business operator system, 50...User terminal, 60...Money management system, 71...First terminal, 72...Second terminal, 426...Operation information, 600...Money management server, 610...Second communication device, 621...Money management program, 626...Savings information by purpose, 626C, 627C...Use of funds, 626D...Virtual savings amount, 626I...Virtual savings priority Destination, 630...second processing device, 641...second communication control unit, 650...savings management unit by purpose, 652...surplus funds management unit, 660...investment savings management unit, 671...appropriate savings amount estimation unit, 672...achievement determination unit, 673...asset management simulation unit, 674...appropriate risk tolerance estimation unit, 675...switching instruction reception unit, 680...deposit/withdrawal schedule acquisition unit, 682...repayment simulation unit, 691...first schedule information, 692...second schedule information, AB...bank account, AT...securities account, U...user.

Claims (7)

A financial institution system that manages a user's financial account and a communication device that communicates with a user terminal used by the user;
a purpose-specific savings management unit that divides and manages a portion of the balance of the financial account acquired from the financial institution system via the communication device into a plurality of purpose-specific savings that correspond one-to-one to a plurality of fund uses desired by the user;
a surplus management unit for managing a surplus remaining after deducting the savings amount of each of the plurality of purpose-specific savings from the balance of the financial account;
a communication control unit that transmits data for displaying the savings amount of each of the plurality of purpose-specific savings and the surplus amount on the user terminal via the communication device ;
The surplus management department
execute a first determination to determine whether or not there is a scheduled withdrawal date and time at which the surplus will become negative, based on first schedule information including the balance of the financial account, a scheduled deposit date and time and a deposit amount to the financial account, and second schedule information including a scheduled withdrawal date and time and a withdrawal amount from the financial account;
The communication control unit
when a result of the first determination is positive, transmitting data via the communication device to the user terminal to display a first warning to the effect that the surplus will become negative in the future;
Money management server. A fund management server as described in claim 1, further comprising a deposit/withdrawal schedule acquisition unit that acquires the first schedule information from a first terminal via the communication device and acquires the second schedule information from a second terminal via the communication device. The surplus management department
performing a second determination of whether the period during which the surplus is negative is shorter than the first period;
The communication control unit
If the result of the first determination is positive,
When a result of the second determination is negative, data for displaying the first warning on the user terminal is transmitted via the communication device;
3. The money management server according to claim 2, wherein when the result of the second determination is positive, data for displaying the first warning on the user terminal is not transmitted via the communication device. The purpose-specific savings management unit includes:
A money management server as described in claim 2, which executes a process to make the surplus greater than zero when the surplus becomes negative by reducing the savings amount of one or more of the multiple purpose-specific savings in order of decreasing priority set by the user for each of the purpose-specific savings, or in order of the furthest date for realizing the use of funds for each of the purpose-specific savings. The surplus management department
performing a second determination of whether the period during which the surplus is negative is shorter than the first period;
If the surplus becomes negative,
When the result of the second determination is negative, a process is executed to make the surplus equal to or greater than zero;
The money management server according to claim 1 , wherein when the result of the second determination is positive, a process for making the surplus money equal to or greater than zero is not performed. The surplus management department
execute a third determination based on the balance of the financial account, the first schedule information, and the second schedule information to determine whether the balance of the financial account will be negative at the scheduled withdrawal date and time;
The communication control unit
The money management server according to claim 2, wherein if the result of the third judgment is positive, data is transmitted via the communication device to cause the user terminal to display a second warning indicating that payment will not be possible at the scheduled withdrawal date and time. a repayment simulation unit that, if the third determination is positive, simulates a repayment plan for a loan in which the withdrawal amount that causes the balance of the financial account to become negative is used as a borrowing amount;
The communication control unit
The fund management server according to claim 6, further comprising: a communication device that transmits data for displaying the results of the simulation of the repayment plan on the user terminal.

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