JP2002269348A - Fund management system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a fund management system for providing useful service for management of a fund. SOLUTION: This fund management system is a fund management system for managing the fund in an account held by a user. The system is equipped with a transaction information database 22 for storing transaction history information and balance information, and a fund movement information database 23 for storing fund movement information on such a fund that future fund movement is ascertained. Hereby, the transaction history information, the balance information, and the fund movement information on the account held by the user are acquired from the stored transaction history information, balance information, and fund movement information, and display data for displaying each acquired information are generated, transmitted to a terminal 5 of the user, and displayed.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a fund management system for managing funds in an account held by a user. More specifically, the present invention relates to processing in an inquiry function in Internet banking of a bank and the like.

[0002]

2. Description of the Related Art With the dramatic improvement in information and communication technology in recent years, Internet-based services have been widely used. Banks are also actively developing services such as an account inquiry service and an account transfer service via the Internet, so-called Internet banking services. The inquiry function in the Internet banking service extracts the transaction history and the balance history of the account in each case from the existing system and reflects the extracted information on the Web server, similarly to the entry to the passbook.

[0003] Accordingly, this is an addition of a channel that enables customers to enjoy, via the Internet, a passbook entry for inquiring a past history and a current balance, or an existing service similar to a transaction statement service obtained by mail or telephone inquiry. In itself, it does not come with novel added value.

[0004]

In the prior art, services provided via a communication network such as the Internet are:
There was a problem that it was not useful from the viewpoint of fund management because it did not simply go beyond the passbook entry.

[0005] Accordingly, an object of the present invention is to provide a fund management system which is a useful service for managing funds.

[0006]

SUMMARY OF THE INVENTION A fund management system according to the present invention is a fund management system for managing funds in an account held by a user, and includes transaction information storage means (for example, transaction history information and balance information). A transaction information database 22 according to the present embodiment), a fund transfer information storage means (for example, a fund transfer information database 23 according to the present embodiment) for storing fund transfer information relating to a fund for which a future fund transfer has been determined, Based on the transaction history information and balance information stored in the transaction information storage means and the fund transfer information stored in the fund transfer information storage means, transaction history information on the account held by the user,
Presentation data generation means (for example, WEB engine 1 in the present embodiment) that acquires balance information and fund transfer information and generates presentation data for presenting the acquired information.
2). With such a configuration, not only past transaction data but also future fund transfer information can be presented to the user, so that a useful service for fund management can be provided.

In addition, there is provided a deposit / withdrawal expectation information storage means (for example, a deposit / withdrawal expectation information database 24 in the present embodiment) for storing deposit / withdrawal expectation information relating to a prospect of transfer of funds in an account acquired from the user. The presentation data generating means further obtains withdrawal and withdrawal information relating to an account held by the user based on the withdrawal and withdrawal information stored in the withdrawal and withdrawal information storage means, and presents the withdrawal and withdrawal information. Data may be generated. With such a configuration, it is possible to reflect a deposit / withdrawal schedule of a user that cannot be obtained from a business or the like.

Further, a future transaction calculating means (for example, the additional service database 25 in the present embodiment) for calculating future transaction information based on the transaction history information stored in the transaction information storage means, Data generating means for obtaining, based on calculated forecast information, which is future transaction information calculated by the future transaction calculating means, calculated forecast information relating to an account held by the user and presenting data for presenting the calculated forecast information; May be generated.

[0009] Also, a disposable expected balance calculating means (for example, in the present embodiment) for calculating an expected balance of an account on a disposable expected balance calculation date designated by the user from the transaction history information and data relating to future funds. , The data relating to the future fund is at least one of the fund transfer information, the expected deposit / withdrawal information, and the calculated forecast information, or a combination thereof, and The data generating means obtains a disposable expected balance relating to an account held by the user based on the disposable expected balance calculated by the disposable expected balance calculating means, and presents presentation data for presenting the disposable expected balance. It is desirable to generate. As a result, the user can recognize the disposable expected balance, and can appropriately manage the funds.

[0010] The presentation data generation means may generate presentation data for presenting information on the past disposable expected balance together with the future disposable expected balance calculated by the disposable expected balance calculation means. . This makes it possible to determine whether the current cash management is appropriate.

[0011] Further, the presentation data generating means can more accurately recognize the difference in the type of fund by changing the mode of presentation in accordance with the type of fund.

[0012] Further, advice information storage means (for example, the advice information database 26 in the present embodiment) for storing advice information related to funds in association with transaction items, transaction amounts or disposable balance information; Advice information presenting means (for example, WEB in the present embodiment) which acquires the advice information stored in the advice information storage means and presents the advice information to the user based on the included transaction items, transaction amounts, or disposable balance information. An engine 12) can be further provided.

[0013] Further, target flag setting means for setting a target flag as a target relating to the fund of the account, achievement of the target flag based on the target flag set by the target flag setting means and future account balance information. It is desirable to have a target flag determining means for determining the degree.

Further, a payment upper limit flag setting means for setting a payment upper limit flag for setting a payment upper limit, a payment upper limit flag set by the payment upper limit flag setting means, and a payment upper limit based on future account balance information. Payment upper limit flag determination means for determining the degree of achievement of the flag may be provided.

On the other hand, a fund management method according to the present invention is a fund management method for managing funds in an account held by a user, wherein a step of storing transaction history information and balance information and a future fund transfer are determined. Storing fund transfer information relating to funds; and acquiring transaction history information, balance information and fund transfer information relating to an account held by the user based on the transaction history information, the balance information and the fund transfer information, And a presenting step of presenting each piece of acquired information. With such a method, not only the past transaction data but also the future fund transfer information can be presented to the user,
It can provide useful services on money management.

Further, the method further comprises the step of storing expected deposit / withdrawal information relating to the prospect of transfer of funds in the account acquired from the user, and the presenting step further includes the step of holding the user based on the estimated deposit / withdrawal information. It is also possible to acquire expected deposit / withdrawal information relating to the account to be made and to present the expected deposit / withdrawal information. In this way,
It is possible to reflect a deposit / withdrawal schedule of a user who cannot be obtained from a business or the like.

Further, the method further comprises the step of calculating future transaction information based on the transaction history information stored in the transaction information storage means, and the presenting step includes the step of calculating the future transaction information based on the calculated forecast information which is the future transaction information. Alternatively, it is also possible to obtain calculated prediction information on an account held by the user and to present the calculated prediction information.

[0018] Further, the method further comprises a step of calculating an expected balance of the account on the disposable expected balance calculation date designated by the user from the transaction history information and data relating to future funds. At least one of the fund transfer information, the expected deposit / withdrawal information, and the calculated expected information, or a combination thereof, and the presenting step relates to an account held by the user based on the estimated disposable balance. It is preferable to obtain a disposable expected balance and to present the disposable expected balance. As a result, the user can recognize the disposable expected balance, and can appropriately manage the funds.

Further, the presenting step may include presenting information on a past disposable expected balance together with a future disposable expected balance. This makes it possible to determine whether the current cash management is appropriate.

Further, in the presenting step, the manner of presenting may be changed according to the type of fund. Thereby, the difference in the type of fund can be recognized more accurately.

And storing the advice information related to the fund in association with the transaction item, the transaction amount or the disposable balance information, and based on the transaction item, the transaction amount or the disposable balance information included in the presentation data. Preferably, the method further comprises the step of acquiring the advice information and presenting the advice information to a user.

The method further comprises the steps of: setting a target flag which is a target relating to the funds in the account; and determining the degree of achievement of the target flag based on the target flag and future account balance information. Is also good.

The method further comprises the steps of: setting a payment upper limit flag for setting a payment upper limit; and determining the degree of achievement of the payment upper limit flag based on the payment upper limit flag and future account balance information. Is also good.

On the other hand, a program according to the present invention is a fund management program for managing funds in an account held by a user. The fund management program stores transaction history information and balance information in a computer. And the step of storing fund transfer information relating to the fund for which the future fund transfer has been determined, based on the transaction history information, the balance information and the fund transfer information, transaction history information relating to the account held by the user, And obtaining a balance information and a fund transfer information, and presenting the obtained information.

[0025]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An outline of a fund management system according to the present invention will be described first, and then a detailed description will be given with reference to the drawings.

According to a preferred embodiment, the fund management system according to the present invention provides past and present transaction history information,
In addition to the balance data, Internet banking is used for fund transfer information, which is transfer information of funds determined in the future, information on expected deposits and withdrawals input by the user, and calculated prediction information, which is future prediction data calculated from transaction history information. It allows the user to browse on the system. Further, the present system has a feature of displaying a disposable expected balance at a predetermined time in the future. By doing so, the existing Internet banking inquiry service can be greatly expanded and its versatility can be enhanced.

That is, the fund management system according to the present invention makes use of scalability and versatility by Web technology, rather than simple passbook entry and ATM inquiry found in conventional inquiry services, and provides detailed and diverse inquiries. Providing services. In particular, by assuming the current balance in the customer account and displaying the expected balance on the execution date of automatic transfer, etc.,
Inquiry of future fund balance can be realized, and customer convenience can be greatly improved.

As a result, the inquiry service, which has conventionally provided past data up to the present time, provides future fund balance data. In other words, as a so-called "fund balance scheduler", it is possible to provide additional services such as improvement of cash management and guidance to savings for customers based on this, or introduction of services to use surplus funds meaningfully. Become.

In the current Internet banking service, the functions of a money settlement service for remittance and purchasing campaigns (such as a debit service) have been enhanced.
It is anticipated that these services require a large amount of IT investment, and that settlement fees and account maintenance fees from customers and member stores are exposed to price competition. However, the expansion of the inquiry service according to the present invention is different from systems such as an account system, an account system, and a transaction system. By combining this data with the Web server, it is possible to extend the functions for improving the service at a lower cost and more flexibility than before. At the same time, a sticky and useful service can be provided to the customer.

Here, a new concept of “expected disposable balance” used in the fund management system according to the present invention will be described. The expected disposable balance is the estimated balance of the account expected on the calculation date specified by the user. The user arbitrarily sets a date to be used as an index on a monthly basis in advance as the calculation date in accordance with his / her cash flow. For example, a point in time when the account balance becomes small, such as the day before the payday transfer date or the day after the card withdrawal date, is set as the calculation date. In addition to the current account balance, taking into account the fund transfer information obtained from the business operator, the calculated forecast information calculated from past transaction history, etc., and the expected deposit / withdrawal information entered by the user, the expected balance on the calculation date can be calculated. Calculate as expected disposal balance. Here, the calculated prediction information is a predicted value calculated based on past transaction history information.
The value of the same day of the previous month, the average of the last three months, and the balance of the same day of the previous year are used.

In the fund management system according to the present invention, various services can be provided using the “expected disposable balance”. For example, the upper limit of the payment of the debit service is determined based not only on the current balance but also on the disposable expected balance.
As a result, it is possible to prevent a situation in which the account becomes negative when calculating the expected disposable balance, and it is possible to suppress overuse. In particular, this is effective in the case of a parent-child card (agent card). It is also possible to designate the balance of the customer's most consciousness as the condition of the swing service for time deposits, financial bonds and the like. In addition, based on the disposable expected balance and customer preference information registered in advance,
It is also possible to provide a service for notifying the customer of a product or service that can be purchased within the range of the expected disposable balance, which matches the customer's preference, by e-mail or on the web.

The future fund transfer information that can be queried according to the present invention can be linked to various services according to customer needs. For example, customer service linked to frugal know-how information provided by a business operator for electricity, telephone, gas, and the like can be provided. Also, a service created by a business entity such as a credit card company and linked to billing statement data to be provided to customers can be provided.

Next, the fund management system according to the present invention will be described in detail with reference to the drawings. Before describing the system configuration example of FIG. 1, FIG.
The following describes what information is provided to the user with reference to the screen display example of FIG.

The screen display example shown in FIG. 2 is displayed on the display of the user's terminal when the user accesses the fund management system according to the present invention on April 1, 2001. In addition, access to this system,
URL (Uniform) to access the site of the cash management system as in the case of normal Internet banking
This can be realized by inputting a resource locator) to a terminal, setting up a homepage of the site by a browser, and inputting an own account number and password. In the example of the screen display shown in FIG. 2, information on the own account is displayed.

As shown in FIG. 2, information on the transaction date, transaction contents, payment amount, deposit amount, and balance is displayed on the screen. Specifically, first, current and past transaction history information from March 1, 2001 to April 1, 2001 is displayed in the upper part. This display is the same as in conventional general Internet banking.

Below the display of the current and past transaction history information, a planned transaction date, transaction details, payment amount, and scheduled balance based on future fund transfer information are displayed. In FIG. 2, the deposit amount, that is, the estimated deposit amount is not displayed for the fund transfer information.
If there is a deposit, it will be displayed. 2001 in Fig. 2
The display relating to the transaction on the 10th, 12th and 15th of the month is a display based on the future fund transfer information. As described above, such fund transfer information is obtained from a business such as a credit card company, a water company, and a telephone company, and is displayed on the screen immediately after the acquisition as fund transfer information.

Further, below the display relating to the future fund transfer information, a disposable expected balance is displayed.
In this example, the expected disposable balance on April 15, 2001 is 14,064 yen. The expected disposable balance is calculated based on the past transaction history information, based on the balance calculated on the previous month's estimated disposable balance, compared with the average for the past three months, and compared with the balance calculated on the previous year's estimated disposable balance. May be calculated as a reference value and displayed.

Below the display of the expected disposable balance,
The calculation prediction information automatically calculated from the past transaction history and the expected deposit / withdrawal information input by the user are displayed. Heisei 1
In the display of transactions from April 21 to April 30, 2013, information on the ATM transaction on April 29 is the expected deposit / withdrawal information, and the other information is calculated prediction information.

In the screen display of FIG. 2, the display of current and past transaction history information, the display of future fund transfer information, the display of calculated prediction information, and the display of expected deposit / withdrawal information are displayed so that they can be identified. It is displayed in a different form. Here, the display form can be changed by changing the font, changing the character decoration such as underlining and shading, changing the color, changing the display to a table format and displaying it in a different column, and changing the display by displaying it in a different window. Various changes are included. That is, it is only necessary to be able to recognize the difference in each display by changing the display mode.

Further, the data of the same item is transaction history information,
When attributes such as fund transfer information, expected deposit / withdrawal information, and calculated prediction information are changed, the display form is also changed as described above. At this time, a comparison between the values before and after the change is displayed. You may. For example, if the calculation forecast information regarding the deduction amount of the electricity bill, which was assumed in the past three-month average, was changed to fund transfer information when the previous month's rate was confirmed, the electricity bill for the relevant fund transfer information was calculated. By comparing with the electricity bill related to the prediction information, it is possible to display an evaluation comment such as a large number or a small number. Further, according to the user's preference, the average balance (lap) for each day and every month can be displayed based on the past transaction transition and balance transition.

FIG. 3 is an example of a screen displayed on the display of the terminal of the user when the user accesses the fund management system according to the present invention on April 12, 2001. The screen display shown in FIG.
Since the display is as of April 12, 2013, the transaction data from April 2 to April 12, which was displayed as future fund transfer information in FIG. 2, is replaced with current or past transaction history information. Will be displayed as In this example, the transaction relating to the credit card on April 10 and the transaction relating to the water rate on April 12 are displayed as current or past transaction history information. That is, the display form of the information on these transactions is changed from the form for future fund transfer information to the form for current or past transaction history information.

In the screen display example shown in FIG.
The balance as of the 2nd is displayed. April 15 displayed as fund transfer information in the screen display example shown in FIG.
As for the daily telephone charge, since the withdrawal has not been executed yet, it is also displayed as the fund transfer information.
Since the salary on April 21 has not yet been acquired as fund transfer information, it is displayed as calculated prediction information in the same manner as the screen display example shown in FIG.

The gas rate on April 24 and the electricity rate on April 26 are displayed as calculation prediction information in the example of the screen display shown in FIG. 2, but are respectively transferred from the gas company and the power company. Is displayed as fund transfer information. Along with this, the payment amount has changed,
It is the amount that will be actually deducted.

The transfer on April 27 was not input by the user as of April 1, but has been input by the user as expected payment information.

In the example of the screen display shown in FIG. 2, the newspaper fee on April 29 was displayed as calculation prediction information. However, since fund transfer information was obtained from a newspaper store, it is displayed as fund transfer information. I have. However, in this case, since the newspaper fee is not changed, the calculated prediction information and the fund transfer information have the same amount. For transactions after CATV on April 29, there is no change as of April 1, so the same display is made.

FIG. 1 shows a system configuration example of the fund management system. The fund management system basically has a server 1 and a database 2. And, the fund management system in a broad sense further includes an electronic medium 3,
It includes a farm banking system 4, a user terminal 5, and a communication network 6.

The server 1 has a central role in the fund management system, and includes a control unit 11, a WEB engine 12, an account information processing unit 13, a transaction information processing unit 14, a fund transfer information processing unit 15, The system includes a money estimation information processing unit 16, an additional service processing unit 17, and an advice information processing unit 18.

The control unit 11 is constituted by a CPU (central control unit) and operates based on processing programs corresponding to each processing unit such as the account information processing unit 13.

The WEB engine 12 has a function of generating and supplying WEB data mainly to the user's terminal 5.

The account information processing section 13 executes processing relating to addition, correction, deletion, etc. of the account information stored in the account information database 21. In particular, when an account transaction is executed and the account balance is changed, the account information processing unit 1
3 corrects the balance data in the account information.

The transaction information processing section 14 executes processing such as acquiring transaction information and storing it in the transaction information database 22. Each time a transaction is made, transaction information is added and stored in the transaction information database 22 as transaction history data.

The fund transfer information processing unit 15 executes processing such as acquiring the fund transfer information by a predetermined method described later and storing it in the fund transfer information database 23.

The deposit / withdrawal expectation information processing section 16 executes processing such as storing the deposit / withdrawal expectation information acquired from the user terminal 5 in the deposit / withdrawal expectation information database 24.

The additional service processing unit 17 executes processing relating to various services that are additional services in the present system. The additional services include a service that presents a disposable expected balance on the calculation date specified by the user, a service that compares data obtained by processing past transaction history,
Further, a service for setting a target flag and a fund balance control flag is included.

The advice information processing section 18 executes a process of providing advice that is effective for a user's cashing, saving, and consumption.

The database 2 is connected to the server 1 in a state where information can be exchanged, and is constituted by a storage means such as a hard disk or a memory capable of storing various information. The database 2 includes an account information database 21, a transaction information database 22, a fund transfer information database 23, a deposit / withdrawal information database 24, an additional service database 25, and an advice information database 26.

The account information database 21 stores information for specifying an account, information of a customer holding the account, and balance data. For example, the information shown in FIG. 4 is stored. Specifically, the account number, account type, account opening date, branch number, customer number, customer name, customer address, customer telephone number, customer mail address, customer work place , And information such as preference information and balance data.

The transaction information database 22 stores, for example, information shown in FIG. 5, and specifically stores account numbers, transaction history information, and balance data. Here, the transaction history information includes a transaction date, a transaction type, a transaction amount, and counterparty information.

The fund transfer information database 23 stores, for example, information shown in FIG. 6, and specifically stores an account number and fund transfer information. Here, the fund transfer information includes a fund transfer code, scheduled execution date, item name, amount,
Contains information about remarks.

The deposit / withdrawal information database 24 stores, for example, the information shown in FIG. 7, and specifically stores account numbers and deposit / withdrawal expectation information. Here, the deposit / withdrawal forecast information includes information on the deposit / withdrawal classification, scheduled execution date, item name, amount, and remarks.

The additional service database 25 stores, for example, information shown in FIG. 8, and specifically includes an account number, a disposable expected balance calculation date, a disposable expected balance, flag information, comparison information, a password, and the like. Information is stored.

The advice information database 26 stores, for example, the information shown in FIG. 9, and specifically stores information for each item, data type change information, and disposable balance information.

The electronic medium 3 stores transaction information, fund transfer information, and the like, and is provided by the business operator to the operator or operator of the present system. The electronic medium 3 includes various types such as a floppy (registered trademark) disk, hard disk, magnetic disk, magneto-optical disk, CD-ROM, DVD, ROM cartridge, RAM memory cartridge with battery backup, flash memory cartridge, and nonvolatile RAM cartridge. A storage medium is included.

The firm banking system 4 is a system for performing online bank transactions between a bank and a company.

The user terminal 5 is, for example, a computer such as a personal computer (PC), a portable terminal, a mobile phone, or the like, and particularly has a communication function capable of exchanging information with the server 1. I have. This terminal 5
Has a browser program installed.
The terminal 5 includes display means such as a display, and displays HTML data or XML transmitted from the server 1.
It can receive data and display its contents. Also, input means such as a keyboard, a mouse, and a numeric keypad are provided.

The communication network 6 is a communication network such as the Internet, a public network, and a mobile communication network.

Next, a process for obtaining fund transfer information in advance will be described in detail. In this process, the fund transfer information, which is the scheduled transfer of funds in the account of the general account savings account, is obtained in advance from a business such as an automatic transfer / salary transfer contract business partner, and is centrally held for each customer. And make it usable in Internet banking.
This processing is basically realized by the fund transfer information processing unit 15 of the server 1, and the fund transfer information is stored in the fund transfer information database 23.

The fund transfer information database 23 exists in a separate frame from the existing accounting / account data file.
The existing account database and the like are linked in units of customer numbers and account numbers.

The fund transfer information in the customer account is the information exemplified below, and indicates information that is obtained in a bank for business purposes.

The following information is available as payment information. (1) According to an account transfer contract Based on an automatic transfer contract with each company, the contracting company brings the fund transfer data to the bank by electronic media such as a floppy disk or MO several days before the execution date. Alternatively, the fact that a designated amount is to be transferred on a designated date on the basis of a prescribed contract is brought beforehand to the bank. For example, electricity, gas, water,
There are telephone, CATV, newspaper, credit card, mortgage, etc. (2) Debit and transfer contract between bank and customer A bank creates fund transfer data based on a predetermined contract with the customer. For example, there are loan repayment, credit card (issued by a bank), and swing service. (3) Requested from the bank to the customer at any time This procedure is to make a reservation for processing based on the date and amount specified by the customer. For example, remittance reservation, transfer reservation, tax payment,
There are mortgages (prepayment).

The following information is provided as payment information. (1) Comprehensive transfer contract Based on the contract with each business operator, the funds transfer data is brought to the bank as electronic media such as a floppy disk or electronic data by firm banking a few business days before the execution date. For example, salary transfer / bonus transfer / transportation expenses, business trip expenses,
There is a commuting fee. (2) By transfer from a public organization This is a contract to transfer the specified amount on the specified date according to the prescribed rules. For example, there are pensions, educational associations, tax refunds, and the like. (3) Destinations of transfer reservations from other customers within the same bank. For example, a transfer from a parent to a child.

[0072] Such fund transfer information is carried in various forms based on contracts with each business operator. Therefore, when storing in the fund transfer information database 23,
The following input processing is possible. a) Special function using electronic media 3 such as floppy disk and MO. b) Function for manually inputting specified items, specified due date, and specified amount data to a specified account in accordance with a contract. c) Acquired via a network such as farm banking 4. D) A function to accept data d) Each time a different data format is accepted,
Ability to convert to a common format

Next, input and storage of expected deposit / withdrawal information in the fund management system according to the present invention will be described. In this system, the user uses his / her own terminal 5 to
You can set the expected deposit and withdrawal information in the future. Specifically, first, the user accesses the input screen for the expected payment information. The server 1 obtains the access information via the communication network 6 and uses the WEB engine 12 to display the input
The L data is transmitted to the terminal 5 of the user. The user's terminal 5 converts the HTML data with a browser and displays the input screen on a display. The input screen is provided with input fields for, for example, deposit / withdrawal classification, scheduled execution date, item name, amount, remarks, and the like. The user uses an input unit such as a keyboard in the input field,
Enter information. At this time, if the data is repeated on a monthly basis, the past data may be displayed, and if no correction is made, the data may be automatically input. The input is completed,
When the input completion button is clicked, the input information, that is, the expected payment information is transmitted to the server 1. The server 1 receives the deposit / withdrawal expectation information, and enters the deposit / withdrawal expectation information processing unit 16
Is stored in the deposit / withdrawal information database 24.

Similarly, the calculation date of the expected disposable balance is input using the user terminal 5. In particular,
First, the user accesses the input screen for the calculation date,
Display. This input screen is provided with an input field for the calculation date. The user inputs calculation date information into the input field using an input unit such as a keyboard. When the input is completed and the input completion button is clicked, the calculation date information is transmitted to the server 1. The server 1 receives the calculated date information and stores it in the additional service database 25 by the additional service processing unit 17.

Next, the processing for displaying the screen shown in FIG. 2 will be specifically described. First, the user accesses the server 1 through the terminal 5 and logs in to the system. To log in, first, display the home page of the present system and enter the account number and password. After login, a predetermined button is clicked to display the screen shown in FIG. Accordingly, a request to display the screen is transmitted from the user terminal 5 to the server 1. Server 1
Upon receiving the request, a process for displaying the screen is executed.

First, the server 1 causes the transaction information processing unit 14 to execute the transaction information database 2 based on the account number.
2 is retrieved, current and past transaction history information and balance information of the account corresponding to the account number are read, and temporarily stored in a predetermined storage area. Further, the server 1 searches the fund transfer information database 23 based on the account number by the fund transfer information processing unit 15, reads out the fund transfer information of the account corresponding to the account number, and temporarily stores it in a predetermined storage area. . The server 1 includes a deposit / withdrawal information processing unit 1
6, the deposit / withdrawal information database 24 is searched based on the account number, the deposit / withdrawal information of the account corresponding to the account number is read, and is temporarily stored in a predetermined storage area.

Then, the server 1 searches the transaction information database 22 based on the account number, reads out the past transaction history information of the account corresponding to the account number, and performs a predetermined calculation by the additional service processing unit 17. Thereby, the calculated prediction information is further calculated and temporarily stored in a predetermined storage area. Further, the server 1 searches the additional service database 25 based on the account number, reads out the disposable expected balance information of the account corresponding to the account number, and temporarily stores it in a predetermined storage area by the additional service processing unit 17. I do. The expected disposable balance information may be calculated daily by the additional service processing unit 17 and stored in the additional service database 25.
The calculation may be performed when a user accesses the page. The calculation reads the disposable expected balance calculation date information stored in the supplementary service database 25, and records transaction history information, fund transfer information,
This is performed by calculating the balance as of the calculation date from the expected payment information.

The WEB engine 12 then stores the transaction history information, the balance information, the fund transfer information, the expected deposit / withdrawal information, the calculated prediction information, and the estimated disposable balance information temporarily stored in a predetermined storage area. HTML data corresponding to the screen display shown in FIG. The generated HTML data is transmitted to the user terminal 5 via the communication network 6.
The terminal 5 of the user receives the HTML data and implements the screen display shown in FIG.

Next, the processing related to advice display will be described in detail. This advice display function provides effective advice on the user's cash flow, savings, and consumption, etc., by providing the fund balance schedule data generated for each user's account on a per item or numerical basis. Function. The advice information for providing this advice can be found in the advice information database 2
6 is stored. The advice information is obtained by collecting advice data from a general business operator. Provide appropriate advice based on the following criteria based on the user's fund balance pattern.

Advice is provided based on the transaction item criteria. For example, if the transaction item is a telephone bill, the advice is that it is preferable to select which telephone company. If the transaction item is an electricity bill, the advice is for a device for saving power. In addition, there is also an advice to be made based on a change in the attributes of deposits and withdrawals, which is performed when expected deposit and withdrawal information is changed to fund transfer information. Further, advice may be given to the disposable balance.

The advice data is provided at any time or on a regular basis by means of Web technology and mail. For example, techniques such as anchor, frame link, and mail are used. In the case of regular time, it may be provided to the user as a “fund balance certificate” on a monthly or quarterly basis.

Next, a process for setting a flag for future fund balance data will be described. The flag setting can be set by the additional service processing unit 17 of the server 1, and the setting content is stored in the additional service database 25.

As the flag, first, there is a target flag for determining a target balance. For this purpose, first, the user himself / herself designates a predetermined date and sets a target balance. Server 1
The additional service processing unit 17 analyzes the progress and the degree of achievement with respect to the target balance, and gives the service provider or the like an incentive for the user to achieve the target. The savings target and the repayment target can be set in conjunction with the withdrawal amount instead of the target calculation amount.

Further, it is possible to set a card use restriction flag such as a credit card or a David card. When the user sets and registers the credit limit of the card, the additional service processing unit 17 of the server 1 recognizes the credit card usage of the user and issues a warning based on the registered credit limit. For example, in a parent-child card of a credit card, by setting the card use restriction flag for the use of the child card, the use of the child card can be restricted.

The fund management system according to the present invention comprises:
In addition to the server / client system, the present invention can be applied to ATMs, voice systems, and mail systems. When applied to an ATM, fund transfer information and the like can be browsed on the ATM.

In the above example, various programs installed on the hard disk of the computer are:
It can be stored on various types of storage media and can be transmitted via communication media. Here, examples of the storage medium include a floppy disk, a hard disk, a magnetic disk, a magneto-optical disk, and a CD-ROM.
ROM, DVD, ROM cartridge, RAM memory cartridge with battery backup, flash memory cartridge, nonvolatile RAM cartridge, etc. The communication medium includes a wired communication medium such as a telephone line,
This includes wireless communication media such as microwave lines, etc., and also includes the Internet.

[0087]

According to the present invention, it is possible to provide a fund management system for providing services useful for managing funds.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram of a fund management system according to the present invention.

FIG. 2 is a screen display example in the fund management system according to the present invention.

FIG. 3 is a screen display example in the fund management system according to the present invention.

FIG. 4 is a data example of an account information database.

FIG. 5 is a data example of a transaction information database.

FIG. 6 is a data example of a fund transfer information database.

FIG. 7 is a data example of a deposit / withdrawal information database.

FIG. 8 is a data example of a supplementary service database.

FIG. 9 is a data example of an advice information database.

[Explanation of symbols]

1 server 2 database 3 electronic medium 4 farm banking system 5 user terminal
6 Communication network

Claims (19)

[Claims] Claims: 1. A fund management system for managing funds in an account held by a user, comprising: transaction information storage means for storing transaction history information and balance information; and fund transfer information relating to funds for which future fund transfers have been determined. Based on the fund transfer information storage means to be stored, the transaction history information and balance information stored in the transaction information storage means, and the fund transfer information stored in the fund transfer information storage means, Acquire transaction history information, balance information and fund transfer information,
And a presentation data generating means for generating presentation data for presenting the acquired information. 2. A deposit / withdrawal expectation information storage means for storing expectation / withdrawal expectation information relating to a prospective transfer of funds in an account acquired from the user, wherein the presentation data generation means further comprises: 2. The fund according to claim 1, wherein, based on the stored expected deposit / withdrawal information, expected deposit / withdrawal information regarding an account held by the user is acquired, and presentation data for presenting the expected withdrawal / withdrawal information is generated. Management system. 3. A future transaction calculating means for calculating future transaction information based on the transaction history information stored in said transaction information storing means, and said presentation data generating means is calculated by said future transaction calculating means. The method according to claim 1, further comprising: acquiring calculation prediction information relating to an account held by the user based on the calculation prediction information that is future transaction information; and generating presentation data for presenting the calculation prediction information. Money management system. 4. A disposable expected balance calculating means for calculating an expected balance of an account on a disposable expected balance calculation date designated by the user from the transaction history information and data on future funds, further comprising: The data relating to the fund is at least one of the fund transfer information, the expected deposit / withdrawal information, and the calculated forecast information or a combination thereof, and the presentation data generating means is calculated by the disposable expected balance calculating means. The disposable expected balance relating to the account held by the user is acquired based on the estimated disposable expected balance, and presentation data for presenting the disposable expected balance is generated. The cash management system described. 5. The presentation data generating means generates presentation data for presenting information on a past disposable expected balance together with a future disposable expected balance calculated by the disposable expected balance calculating means. Claim 1,
The fund management system according to 2, 3, or 4. 6. The fund management system according to claim 1, wherein said presentation data generating means changes a presentation mode according to a type of fund. 7. An advice information storage means for storing advice information relating to a fund in association with a transaction item, a transaction amount or disposable balance information, and an advice information storage means for storing the transaction item, transaction amount or disposable balance information contained in the presentation data. 7. The system according to claim 1, further comprising advice information presenting means for acquiring the advice information stored in the advice information storing means and presenting the advice information to a user. The cash management system described. 8. A target flag setting means for setting a target flag which is a target regarding the fund of the account; an achievement of the target flag based on the target flag set by the target flag setting means and the future account balance information. 8. The fund management system according to claim 1, further comprising target flag determination means for determining a degree. 9. A payment upper limit flag setting means for setting a payment upper limit flag for setting a payment upper limit; a payment upper limit flag set by the payment upper limit flag setting means; And a payment upper limit flag determining means for determining the degree of achievement of the upper limit flag.
The fund management system according to 6, 7, or 8. 10. A fund management method for managing funds in an account held by a user, comprising: storing transaction history information and balance information; and storing fund transfer information relating to funds for which a future fund transfer has been determined. And presenting, based on the transaction history information, the balance information and the fund transfer information, acquiring transaction history information, balance information and fund transfer information relating to an account held by the user, and presenting the acquired information. And a cash management method comprising steps. 11. The method according to claim 1, further comprising the step of storing expected deposit / withdrawal information relating to a prospect of transfer of funds in the account acquired from the user, and wherein the presenting step further includes: 11. The fund management method according to claim 10, further comprising acquiring expected deposit / withdrawal information relating to an account to be made, and presenting the expected deposit / withdrawal information. 12. The method according to claim 1, further comprising the step of calculating future transaction information based on the transaction history information stored in said transaction information storage means. The fund management method according to claim 10 or 11, wherein the calculation expectation information on the account held by the user is obtained, and the calculation expectation information is presented. 13. The method according to claim 13, further comprising the step of: calculating an expected balance of the account on the date of calculation of the expected disposable balance specified by the user from the transaction history information and data on future funds. At least one of the fund transfer information, the deposit / withdrawal forecast information, and the calculated forecast information, or a combination thereof,
Further, the presenting step obtains a disposable expected balance relating to an account held by the user based on the disposable expected balance, and presents the disposable expected balance. 12. The fund management method according to item 12. 14. The present invention according to claim 10, wherein the presenting step presents information on a past disposable expected balance together with a future disposable expected balance.
3. The fund management method described in 3. 15. The method according to claim 10, wherein said presenting step changes a manner of presentation according to a type of fund.
The fund management method according to 11, 12, 13 or 14. 16. A method for storing advice information relating to funds in association with a transaction item, a transaction amount, or disposable balance information, and based on the transaction item, transaction amount, or disposable balance information included in the presentation data, Obtaining the advice information,
16. The fund management method according to claim 10, further comprising the step of presenting to a user. 17. A step of setting a target flag which is a target regarding the fund of the account, based on the target flag and information on the balance of the future account.
Determining the degree of achievement of the target flag.
17. The fund management method according to 5 or 16. 18. A method comprising: setting a payment upper limit flag for setting a payment upper limit; and determining a degree of achievement of the payment upper limit flag based on the payment upper limit flag and future account balance information. Claims 10, 11, 12, 13,
14. The fund management method according to 14, 15, 16 or 17. 19. A fund management program for managing funds in an account held by a user, said fund management program comprising: a step of storing transaction history information and balance information in a computer; Storing the fund transfer information relating to the fund whose transfer has been confirmed; and based on the transaction history information, the balance information and the fund transfer information, the transaction history information, balance information and fund transfer information relating to the account held by the user. And a presentation step for presenting the acquired information.