JP2003162627A - System and method for family budget management - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To solve the problem wherein data entry becomes wrong in family budget management since memory is not definite. <P>SOLUTION: A paying-in/out person transmits attribute information of his own terminal and an amount of money, purchasing items, time-of-day, and other information related to paying-in/out of a family budget through a network 100 to a family budget record service 50 by using terminal devices such as his own portable telephone 10, a portable terminal 20, personal computer 30, and other user terminals 40. A family budget record service performs identification of the family budget, and records a paying-in/out amount of money, paying- in/out items of expenditure and time-of-day thereof. The paying-in/out person transmits information as needed, and accumulates family budget records. When a family budget manager desires to browse records of paying-in/out information of the accumulated family budget, he can browse from his own terminal device. Also, he can perform situation analysis/diagnosis of the family budget by transmitting a request to a family budget analysis service 60. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a household management system and a household management method, and in particular, in a household, a cash deposit / withdrawal record is made by a depositor / disburser via his / her own (user) terminal via a network. Organize and view records
The present invention relates to a household management business model and a household management system and a household management method for a household record / analysis business, in which services such as household analysis are carried out by a company designated by a household manager.

[0002]

2. Description of the Related Art Heretofore, in a household management system and a household management method for managing a household, paper-based management such as a cash accounting book and a household account book has been generally used for a long time.

With the spread of personal computers (PCs) in recent years, household management software that operates on PCs that have become popular has been released, and convenience has become more efficient with regard to data storage.

Such a conventional PC household management system and household management method operate as follows.

That is, the occurrence of deposit / withdrawal is stored or recorded by some method (recorded in a notebook, P without communication function).
It was a method of recording it in the DA, simply storing it, keeping a receipt), and later making a data entry to the household management software on the personal computer.

[0006]

The first problem with the above-described conventional household management system and household management method is that the data entry becomes incorrect.

The reason is that memory is not reliable.

The second problem is that data entry is forgotten and management is neglected.

The reason is that receipts and records may be lost.

The third problem is that it is not possible to request an expert to make a household diagnosis.

The reason is that it may not be possible to find an expert, and the data may not be understood by the expert (the format of the data is not standardized among management software or institutions).

[0012]

In the household management system of the first invention, the depositor / withdrawer records the receipts and disbursement of money in the household budget via his / her own terminal through a network, and holds the deposit / withdrawal record and organizes and browses the record. -Provide household analysis service with household record service and household analysis service connected to the network.

In the household management method of the second invention, the deposit / withdrawal is performed by the depositor / disburser via the network to record the receipt / payment of money in the household. Household accounting service and household analysis service connected to.

According to the program of the third aspect of the invention, the deposit / withdrawal record is made by the depositor / disburser via his / her own network via a network, and the receipt / payment record is kept and the record is organized / viewed.
The computer is caused to execute the processes of the household accounting service and the household analysis service connected to the network.

In the household management system according to the fourth aspect of the invention, the depositor / disburser records the receipts and payments of money in the household through a network from an arbitrary terminal, and keeps a deposit / withdrawal record, organizes and browses the record, and analyzes the household budget. Household accounting service and household analysis service connected to.

In the household management method of the fifth aspect of the invention, the depositor / disburser records the receipts and payments of money in a household from any terminal via a network. The household accounting service and household analysis service connected to.

According to the program of the sixth invention, the depositor / withdrawer records the receipts and payments of money in a household from any terminal via a network.
The computer is caused to execute the processes of the household accounting service and the household analysis service connected to the network.

A household management system according to a seventh aspect of the present invention comprises a mobile phone, a personal computer, a household recording service, a household analysis service, and a network interconnecting these, and the mobile telephone connects the household through the network. It has a function to access the recording service and display an input information screen of information on household deposits and withdrawals, and as information on household deposits and withdrawals, the deposit or withdrawal classification, deposit and withdrawal expense items,
Including the date and time and the amount of money, the mobile phone has a function of transmitting the item selected from the information and the amount of money to the household accounting service,
The household accounting service has the function of receiving the deposit / withdrawal classification, deposit / withdrawal expense item, date / time, and amount sent from the mobile phone and accumulating it in the household accounting service. The balance is calculated from the accumulated household information and returned. It is equipped with an information processing service, and the household accounting service also has a function of accepting a request for household analysis / diagnosis from the personal computer to the household analysis service and transmitting the request and household information to the household analysis service. The household analysis service has the function of receiving the analysis / diagnosis request and the household budget information from the personal computer sent by the household record service, performing the analysis / diagnosis of the relevant household and returning the result to the personal computer. Prepare

The household management method of the eighth invention is a mobile phone, a personal computer, a household recording service,
It consists of a household analysis service and a network that connects these to each other, and the mobile phone accesses the household recording service via the network and displays the input information screen for information on household deposits and withdrawals. As related information,
Including the classification of deposit or withdrawal, deposit / withdrawal expense item, date and time, amount, the mobile phone sends the item and amount selected from the above information to the household accounting service, and the household accounting service sends the deposit or withdrawal from the mobile phone. Withdrawal category, deposit and withdrawal item,
Receives the date and time and the amount of money, accumulates it in the household accounting service, calculates the balance from the accumulated household information and returns it, and the household accounting service also accepts a household analysis / diagnosis request for the household analysis service from the personal computer, and analyzes the household. The request and the household information are transmitted to the service, the household analysis service analyzes and diagnoses the accounting of the household, and the household analysis service receives the analysis and diagnostic request and the household information from the personal computer transmitted by the household recording service and receives the corresponding information. Perform analysis / diagnosis for each household and return the results to the personal computer.

A program of the ninth invention is a mobile phone,
It consists of a personal computer, a household accounting service, a household analysis service, and a network that interconnects these, and the mobile phone accesses the household recording service via the network, and an input information screen for information on household deposits and withdrawals. Is displayed, and the information relating to household deposit / withdrawal includes the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount.The mobile phone sends the item and amount selected from the information to the household accounting service. , The household record service is sent from the mobile phone, the deposit or withdrawal classification, deposit / withdrawal item, date and time,
Receives the amount of money and accumulates it in the household accounting service, calculates the balance from the accumulated household information and returns it, and the household accounting service also accepts a request for household analysis / diagnosis for the household analysis service from the personal computer, and sends it to the household analysis service. Send requests and household information,
The household analysis service analyzes and diagnoses the accounting of the household, and the household analysis service receives the analysis / diagnosis request and household information from the personal computer transmitted by the household recording service, analyzes and diagnoses the relevant household, and Causes the computer to execute the process of replying to the personal computer.

According to a tenth aspect of the present invention, the household management method is to access the home page of a household accounting service that provides services through a network from a mobile phone, and in response to the access, the household accounting service transmits attribute information of the mobile phone. Sends the input information screen consisting of the required deposit / withdrawal category and amount for mobile phone, deposit / withdrawal expense item, date and time to the mobile phone, and whether the contract for the household record service is received as the mobile phone attribute information. ID information for recognition,
Using the password and the type of terminal the user is using, the mobile phone displays information related to the deposit / withdrawal of household budget information or the screen to be entered.Enter the household budget information from the mobile phone and send it to the household budget service. The household budget recording service, which receives household budget information from a mobile phone via the network, accumulates and registers the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the mobile phone attribute information. Confirmation information and balance information to the mobile phone, confirm that the information was accumulated and registered by the household accounting service from the mobile phone that sent the household information, and confirm the balance information, and then from the personal computer via the network. Access the home page of the household accounting service that provides services, and respond to the access, the household accounting service was sent. -The personal computer menu screen is returned to the personal computer based on the attributes of the personal computer, the service menu for household accounting services is displayed on the personal computer, and analysis / diagnosis of household budget is selected from the menu displayed on the personal computer. And send it to the household accounting service,
The household accounting service that received the analysis / diagnosis request for the household budget from the personal computer requested the household analysis service contracted by the household accounting service to request the analysis / diagnosis together with the accumulated household budget data, and the household analysis service acquired the accumulated information. The household analysis / diagnosis is carried out from the data and the result is transmitted to the household accounting service. The household accounting service transmits the result of the household analysis / diagnosis to the personal computer which is the request destination via the network.

The program of the eleventh aspect of the invention accesses the home page of the household accounting service that provides the service through the network from the mobile phone, and in response to the access, the household accounting service is carried from the attribute information of the mobile phone transmitted. Send the input information screen consisting of the required deposit and withdrawal category and amount for the phone, deposit and withdrawal item, date and time to the mobile phone,
As the attribute information of the mobile phone, the ID information for recognizing whether the service of the household budget service is received, the password, and the type of the terminal used by the user are used.
Information related to deposit / withdrawal of household budget information or a screen to be entered is displayed on the mobile phone, the household budget information is input from the mobile phone, transmitted to the household budget recording service, and the household budget information received from the mobile phone is received via the network. The recording service accumulates the type of deposit / withdrawal, deposit / withdrawal expense item, date / time, and amount of money as a specific household contracted from the attribute information of the mobile phone, and returns confirmation information and the balance information of the accumulated registration to the mobile phone. , Confirm that the information has been accumulated and registered by the household accounting service from the mobile phone that sent the household information, check the balance information, and access the homepage of the household accounting service that provides services via the network from the personal computer, In response to the access, the household record service sends the personal computer attributes from the attributes of the transmitted personal computer. Return the menu screen of to the personal computer, display the service menu performed by the household accounting service on the personal computer, select the analysis and diagnosis about the household from the menu displayed on the personal computer, and send it to the household accounting service, The household budget recording service that received a request for analysis / diagnosis of household budget from a personal computer requested the household budget analysis service contracted by the household budget service to request analysis / diagnosis together with accumulated household budget data, and the household budget analysis service acquired The household analyzes / diagnoses from the data and sends the results to the household accounting service. The household accounting service causes the computer to execute the processing of transmitting the results of the household analysis / diagnosis to the requesting personal computer via the network. .

According to a twelfth aspect of the present invention, in the household budget management method, the home page of the household budget recording service which provides the service via the network is accessed from the mobile phone, and in response to the access, the household budget recording service is transmitted with the attribute information of the mobile phone. Sends the input information screen consisting of the required deposit / withdrawal category and amount for mobile phone, deposit / withdrawal expense item, date and time to the mobile phone, and whether the contract for the household record service is received as the mobile phone attribute information. ID information for recognition,
Using the password and the type of terminal the user is using, the mobile phone displays information related to the deposit / withdrawal of household budget information or the screen to be entered.Enter the household budget information from the mobile phone and send it to the household budget service. The household budget recording service, which receives household budget information from a mobile phone via the network, accumulates and registers the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the mobile phone attribute information. Confirmation information and balance information to the mobile phone, confirm that the information was accumulated and registered by the household accounting service from the mobile phone that sent the household information, and confirm the balance information, and then from the personal computer via the network. Access the home page of the household accounting service that provides services, and respond to the access, the household accounting service was sent. -The personal computer menu screen is returned to the personal computer based on the attributes of the personal computer, the service menu for household accounting services is displayed on the personal computer, and analysis / diagnosis of household budget is selected from the menu displayed on the personal computer. And send it to the household accounting service,
The household budget recording service that received a request for analysis / diagnosis of household budget from a personal computer requested the household budget analysis service contracted by the household budget service to request analysis / diagnosis together with accumulated household budget data, and the household budget analysis service acquired The household is analyzed and diagnosed from the data, and the results are sent to the personal computer that is the request destination via the network without passing through the household recording service.

The program of the thirteenth invention accesses the home page of the household accounting service which provides the service from the mobile phone via the network, and in response to the access, the household accounting service is carried from the attribute information of the transmitted mobile phone. Send the input information screen consisting of the required deposit and withdrawal category and amount for the phone, deposit and withdrawal item, date and time to the mobile phone,
As the attribute information of the mobile phone, the ID information for recognizing whether the service of the household budget service is received, the password, and the type of the terminal used by the user are used.
Information related to deposit / withdrawal of household budget information or a screen to be entered is displayed on the mobile phone, the household budget information is input from the mobile phone, transmitted to the household budget recording service, and the household budget information received from the mobile phone is received via the network. The recording service accumulates the type of deposit / withdrawal, deposit / withdrawal expense item, date / time, and amount of money as a specific household contracted from the attribute information of the mobile phone, and returns confirmation information and the balance information of the accumulated registration to the mobile phone. , Confirm that the information has been accumulated and registered by the household accounting service from the mobile phone that sent the household information, check the balance information, and access the homepage of the household accounting service that provides services via the network from the personal computer, In response to the access, the household record service sends the personal computer attributes from the attributes of the transmitted personal computer. The menu screen of is returned to the personal computer, the service menu of the household budget service is displayed on the personal computer, and analysis / diagnosis of the household budget is selected from the menu displayed on the personal computer and sent to the household budget service. The household accounting service that received the analysis / diagnosis request for the household budget from the personal computer requested the household analysis service contracted by the household accounting service to request the analysis / diagnosis together with the accumulated household budget data, and the household analysis service acquired the accumulated information. The computer is caused to execute a process of analyzing and diagnosing the household budget from the data and transmitting the result to the requesting personal computer via the network without passing through the household budget service.

According to a fourteenth aspect of the present invention, in a household budget management method, a user terminal accesses a homepage of a household budget service via a network, and in response to the access, the household budget service is for a multi-function service terminal based on the attributes of the user terminal transmitted. Household information is automatically inserted by displaying the input screen on the user terminal, displaying the input screen on the user terminal, and reading the receipt from the user terminal, and multiple deposit / withdrawal data are sent from the user terminal to the household accounting service. , The household accounting service that receives household information from the user terminal via the network accumulates the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the attribute information of the user terminal, and stores and registers it. Confirmation information and balance information are returned to the user terminal, and the household budget is recorded from the user terminal that sent the household budget information. Check that the information has been accumulated and registered by the service, check the balance information, access the home page of the household accounting service that provides services via the network from the personal computer, and respond to the access, the household accounting service was sent. The menu screen for the personal computer is returned to the personal computer from the attributes of the personal computer, the service menu of the household budget service is displayed on the personal computer, and analysis / diagnosis of the household budget is selected from the menu displayed on the personal computer. , The household accounting service that sent to the household accounting service and received the analysis / diagnosis request about the household from the personal computer is distributed to the household analysis service contracted by the household accounting service together with the accumulated household household data. · Requested the diagnosis,
The household analysis service analyzes and diagnoses the household from the acquired data and sends the result to the household record service, and the household record service transmits the result of the household analysis and diagnosis to the requesting personal computer via the network. To do.

The program of the fifteenth invention accesses the home page of the household accounting service from the user terminal via the network, and in response to the access, the household accounting service is input from the attribute of the transmitted user terminal for the multifunction service terminal. Household information is automatically inserted by sending the information screen, displaying the input screen on the user terminal, and reading the receipt from the user terminal, and multiple deposit / withdrawal data are sent from the user terminal to the household accounting service, The household budget recording service that received household budget information from the terminal via the network has accumulated and registered the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the attribute information of the user terminal. Confirmation information and balance information are returned to the user terminal, and the household information recording service is sent from the user terminal that sent the household information. Check that the information has been accumulated and registered with bis, check the balance information, access the home page of the household accounting service that is providing service via the network from the personal computer, and respond to the access, the household accounting service was sent. The menu screen for the personal computer is returned to the personal computer from the attributes of the personal computer, the service menu of the household budget service is displayed on the personal computer, and analysis / diagnosis of the household budget is selected from the menu displayed on the personal computer. , The household accounting service sent to the household accounting service and received the analysis / diagnosis request about the household from the personal computer. The household accounting service contracted by the household accounting service is requested. Requested the diagnosis, household analysis service analysis from the accumulated data obtained in the household -
The diagnosis is carried out and the result is transmitted to the household budget service. The household budget service causes the computer to execute the processing of transmitting the result of the analysis / diagnosis of the household budget to the requesting personal computer through the network.

According to the household accounting method of the sixteenth invention, the user terminal accesses the home page of the household accounting service via the network, and in response to the access, the household accounting service is for the multifunctional service terminal based on the attribute of the transmitted user terminal. Household information is automatically inserted by displaying the input screen on the user terminal, displaying the input screen on the user terminal, and reading the receipt from the user terminal, and multiple deposit / withdrawal data are sent from the user terminal to the household accounting service. , The household budget recording service that receives household budget information from the user terminal via the network accumulates the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the attribute information of the user terminal, and stores and registers it. Confirmation information and balance information are returned to the user terminal, and the household budget is recorded from the user terminal that sent the household budget information. Check that the information has been accumulated and registered by the service, check the balance information, access the home page of the household accounting service that provides services via the network from the personal computer, and respond to the access, the household accounting service was sent. The menu screen for the personal computer is returned to the personal computer from the attributes of the personal computer, the service menu of the household budget service is displayed on the personal computer, and analysis / diagnosis of the household budget is selected from the menu displayed on the personal computer. , The household accounting service that sent to the household accounting service and received the analysis / diagnosis request about the household from the personal computer is distributed to the household analysis service contracted by the household accounting service together with the accumulated household household data. · Requested the diagnosis,
The household analysis service analyzes and diagnoses the household from the acquired accumulated data, and transmits the result to the personal computer which is the request destination via the network without passing through the household recording service.

The program of the seventeenth invention accesses the home page of the household budget recording service from the user terminal via the network, and in response to the access, the household budget recording service inputs from the attributes of the transmitted user terminal for the multifunction service terminal. Household information is automatically inserted by sending the information screen, displaying the input screen on the user terminal, and reading the receipt from the user terminal, and multiple deposit / withdrawal data are sent from the user terminal to the household accounting service, The household budget recording service that received household budget information from the terminal via the network has accumulated and registered the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the attribute information of the user terminal. Confirmation information and balance information are returned to the user terminal, and the household information recording service is sent from the user terminal that sent the household information. Check that the information has been accumulated and registered with bis, check the balance information, access the home page of the household accounting service that is providing service via the network from the personal computer, and respond to the access, the household accounting service was sent. The menu screen for the personal computer is returned to the personal computer from the attributes of the personal computer, the service menu of the household budget service is displayed on the personal computer, and analysis / diagnosis of the household budget is selected from the menu displayed on the personal computer. , The household accounting service sent to the household accounting service and received the analysis / diagnosis request about the household from the personal computer. The household accounting service contracted by the household accounting service is requested. Requested the diagnosis, household analysis service analysis from the accumulated data obtained in the household -
The computer is caused to execute a process of performing the diagnosis and transmitting the result to the requesting personal computer without passing through the household budget service via the network.

According to the household management method of the eighteenth invention, the home accounting service home page which provides the service via the network is accessed from the mobile phone, and in response to the access, the household accounting service is transmitted with the attribute information of the mobile phone. Sends the input information screen consisting of the required deposit / withdrawal category and amount for mobile phone, deposit / withdrawal item, date and time to the mobile phone, and confirms whether the contract for the household record service is received as the mobile phone attribute information. ID information for recognition,
Using the password and the type of terminal the user is using, the mobile phone displays the information related to deposit / withdrawal of household budget information or the screen to be entered.Enter the household budget information from the mobile phone and send it to the household budget service. The household budget recording service that receives household budget information from a mobile phone via the network accumulates and registers the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the mobile phone attribute information. Confirmation information and balance information is returned to the mobile phone, the mobile phone that sent the household budget information confirmed that the information was accumulated and registered by the household budget service, and the balance information was confirmed, and the household budget service was sent from the personal computer. Request a reply about the data of a specific period out of the household data accumulated in the The reply to the accumulated data from the extracted personal computer, the personal computer receives the data which has been replied household recording service, the personal computer performs an analysis of the household with a commercially available household management software and a general purpose spreadsheet software.

The program of the nineteenth invention accesses the home page of the household accounting service which provides the service from the mobile phone via the network, and in response to the access, the household accounting service is carried from the attribute information of the transmitted mobile phone. Send the input information screen consisting of the required deposit and withdrawal category and amount for the phone, deposit and withdrawal item, date and time to the mobile phone,
As the attribute information of the mobile phone, the ID information for recognizing whether the service of the household budget service is received, the password, and the type of the terminal used by the user are used.
Information related to deposit / withdrawal of household budget information or a screen to be entered is displayed on the mobile phone, the household budget information is input from the mobile phone, transmitted to the household budget recording service, and the household budget information received from the mobile phone is received via the network. The recording service accumulates deposit / withdrawal categories, deposit / withdrawal expense items, date / time, and amount of money as a specific household contracted from the attribute information of the mobile phone, and returns confirmation information and balance information of the accumulated registration to the mobile phone. , Confirming that the information was accumulated and registered by the household accounting service from the mobile phone that sent the household information, and checking the balance information, and regarding the data for a specific period of the household data accumulated in the household accounting service from the personal computer The household accounting service extracts the requested data from the accumulated data and sends it back to the personal computer. The personal computer receives the data which has been replied household recording service, the personal computer to execute processing for analyzing a household with a commercially available household management software and a general purpose spreadsheet software on the computer.

According to the household management method of the twentieth aspect of the present invention, the homepage of the household accounting service which provides the service via the network is accessed from the mobile phone, and in response to the access, the household accounting service is transmitted with the attribute information of the mobile phone. Sends the input information screen consisting of the required deposit / withdrawal category and amount for mobile phone, deposit / withdrawal item, date and time to the mobile phone, and confirms whether the contract for the household record service is received as the mobile phone attribute information. ID information for recognition,
Using the password and the type of terminal the user is using, the mobile phone displays the information related to deposit / withdrawal of household budget information or the screen to be entered.Enter the household budget information from the mobile phone and send it to the household budget service. The household budget recording service that receives household budget information from a mobile phone via the network accumulates and registers the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the mobile phone attribute information. Confirmation information and balance information is returned to the mobile phone, the mobile phone that sent the household budget information confirmed that the information was accumulated and registered by the household budget service, and the balance information was confirmed, and the household budget service was sent from the personal computer. Request a reply about the data of a specific period out of the household data accumulated in the The reply to the accumulated data from the extracted personal computer, the personal computer receives the data which has been replied household recording service, copy data from the personal computer to another information processing apparatus,
Perform household analysis using commercially available household management software and general-purpose spreadsheet software.

The program of the twenty-first invention accesses the home page of the household accounting service which provides the service from the mobile phone via the network, and in response to the access, the household accounting service is carried from the attribute information of the transmitted mobile phone. Send the input information screen consisting of the required deposit and withdrawal category and amount for the phone, deposit and withdrawal item, date and time to the mobile phone,
As the attribute information of the mobile phone, the ID information for recognizing whether the service of the household budget service is received, the password, and the type of the terminal used by the user are used.
Information related to deposit / withdrawal of household budget information or a screen to be entered is displayed on the mobile phone, the household budget information is input from the mobile phone, transmitted to the household budget recording service, and the household budget information received from the mobile phone is received via the network. The recording service accumulates deposit / withdrawal categories, deposit / withdrawal expense items, date / time, and amount of money as a specific household contracted from the attribute information of the mobile phone, and returns confirmation information and balance information of the accumulated registration to the mobile phone. , Confirming that the information was accumulated and registered by the household accounting service from the mobile phone that sent the household information, and checking the balance information, and regarding the data for a specific period of the household data accumulated in the household accounting service from the personal computer The household accounting service extracts the requested data from the accumulated data and sends it back to the personal computer. The personal computer receives the data returned from the household accounting service, copies the data from the personal computer to another information processing device, and analyzes the household using commercially available household management software or general-purpose spreadsheet software. Let it run.

According to the household accounting method of the twenty-second invention, the user terminal accesses the home page of the household accounting service via the network, and in response to the access, the household accounting service is used for the multifunctional service terminal based on the attribute of the transmitted user terminal. Household information is automatically inserted by displaying the input screen on the user terminal, displaying the input screen on the user terminal, and reading the receipt from the user terminal, and multiple deposit / withdrawal data are sent from the user terminal to the household accounting service. , The household accounting service that receives household information from the user terminal via the network accumulates the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the attribute information of the user terminal, and stores and registers it. Confirmation information and balance information are returned to the user terminal, and the household budget is recorded from the user terminal that sent the household budget information. Check that the information has been stored and registered by the service, check the balance information, and request a reply from the personal computer about the data for a specific period of the household data accumulated in the household recording service. Based on the above, the data is extracted from the stored data and sent back to the personal computer. The personal computer receives the data returned from the household accounting service, and the personal computer analyzes the household using commercially available household management software or general-purpose spreadsheet software. I do.

The program of the twenty-third invention accesses the home page of the household accounting service from the user terminal via the network, and in response to the access, the household accounting service is input from the attributes of the transmitted user terminal for the multifunction service terminal. Household information is automatically inserted by sending the information screen, displaying the input screen on the user terminal, and reading the receipt from the user terminal, and multiple deposit / withdrawal data are sent from the user terminal to the household accounting service, The household budget recording service that receives household budget information from the terminal via the network has accumulated and registered the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the attribute information of the user terminal. Confirmation information and balance information are returned to the user terminal, and the household information recording service is sent from the user terminal that sent the household information. Check that the information has been stored and registered with the service, check the balance information, and request a reply from the personal computer about the data for a specific period of the household data accumulated in the household recording service. Based on the above, the data is extracted from the accumulated data and sent back to the personal computer. The personal computer receives the data sent back by the household budget service, and the personal computer analyzes the household using commercially available household management software or general-purpose spreadsheet software. The computer is caused to execute the processing for performing.

In the household management method of the twenty-fourth invention, the user terminal accesses the home page of the household recording service via the network, and in response to the access, the household recording service is for the multi-function service terminal based on the attribute of the transmitted user terminal. Household information is automatically inserted by displaying the input screen on the user terminal, displaying the input screen on the user terminal, and reading the receipt from the user terminal, and multiple deposit / withdrawal data are sent from the user terminal to the household accounting service. , The household accounting service that receives household information from the user terminal via the network accumulates the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the attribute information of the user terminal, and stores and registers it. Confirmation information and balance information are returned to the user terminal, and the household budget is recorded from the user terminal that sent the household budget information. Check that the information has been stored and registered by the service, check the balance information, and request a reply from the personal computer about the data for a specific period of the household data accumulated in the household recording service. Based on the above, the data is extracted from the accumulated data and returned to the personal computer, the data is copied from the personal computer to another information processing device, and the household is analyzed by commercially available household management software or general-purpose spreadsheet software.

The program of the twenty-fifth aspect of the invention accesses the home page of the household accounting service from the user terminal via the network, and in response to the access, the household accounting service receives an input for the multifunction service terminal from the attribute of the transmitted user terminal. Household information is automatically inserted by sending the information screen, displaying the input screen on the user terminal, and reading the receipt from the user terminal, and multiple deposit / withdrawal data are sent from the user terminal to the household accounting service, The household budget recording service that receives household budget information from the terminal via the network has accumulated and registered the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the attribute information of the user terminal. Confirmation information and balance information are returned to the user terminal, and the household information recording service is sent from the user terminal that sent the household information. Check that the information has been stored and registered with the service, check the balance information, and request a reply from the personal computer about the data for a specific period of the household data accumulated in the household recording service. Based on the above, the data is extracted from the stored data and returned to the personal computer, the data is copied from the personal computer to another information processing device, and the household is analyzed by commercially available household management software or general-purpose spreadsheet software. To run.

[0037]

BEST MODE FOR CARRYING OUT THE INVENTION According to the present invention, a cash deposit / withdrawal record is made by a depositor / disburser via a network from a terminal of oneself (user) in a household budget, and a deposit / withdrawal record is held, records are organized and browsed / household accounts are analyzed. It is intended to provide a household management business model and a household management system and a household management method for a household record / analysis business in which a service is carried out by a company designated by a household manager.

Next, embodiments of the present invention will be described with reference to the drawings.

FIG. 1 is a block diagram showing an embodiment of the household management system and the household management method of the present invention.

Referring to FIG. 1, the depositor / withdrawer uses terminal devices such as his / her own mobile phone 10, mobile terminal 20, personal computer 30, and other user terminal 40, who are users, to obtain attribute information and household budget of his / her own terminal. Information such as amount, purchase item, date and time, etc. related to deposit and withdrawal of money from anytime, anywhere from the network 100
Is transmitted to the household accounting service 50 via.

The household budget recording service 50 identifies the household budget when receiving the attribute information of the user terminal and the amount / purchase cost / date / time related to the deposit / withdrawal of the household budget, and records the deposit / withdrawal amount / disbursement cost / date / date. I do. The depositor / withdrawer can transmit information at any time and accumulate household budget records.

The household budget manager (which is permitted even when the same as the deposit / withdrawal person) wants to view the accumulated record of deposit / withdrawal information of the household when he / she owns the mobile phone 10, the mobile terminal 20, the personal computer 30, Others Other terminal devices such as the user terminal 40 can browse the accumulated record of the household deposit / withdrawal information by transmitting the desired information to the household budget recording service 50 in a form suitable for the terminal device. .

Further, the household budget manager (permitted even if the same as the deposit / withdrawal person) analyzes the situation of the household budget from the record of the household deposit / withdrawal information accumulated by transmitting a request to the household budget analysis service 60. You can ask a specialist such as a financial planner for the diagnosis.

In this way, the deposits and withdrawals relating to the household budget are sequentially transmitted through the network each time an event occurs, so that records can be accumulated and utilized for analysis and the like.

Next, a first embodiment of the present invention will be described with reference to the drawings.

FIG. 2 is a block diagram showing the first and third embodiments of the household management system and the household management method of the present invention.

Referring to FIG. 2, the first embodiment of the present invention is a mobile phone 10 and a personal computer 30.
, Household accounting service 50, household analysis service 60
And a network 100 such as the Internet that connects these to each other.

The mobile phone 10 is a mobile phone to which an advanced information processing function such as an internet access function is added. The mobile phone 10 has a function of accessing the household budget recording service 50 provided through the network 100 and displaying an input information screen of information relating to household deposit / withdrawal. The information relating to household deposits / withdrawals is, for example, a category of deposits or withdrawals, and includes food and drink, luxury items, deposit / withdrawal items such as stationery and salary, and date and time. The mobile phone 10 further has a function of transmitting the item and the amount of money selected from the above information to the household budget recording service 50.

The household budget recording service 50 is composed of an information processing device such as a workstation, a server, a large-capacity storage, and peripheral devices.

The household budget recording service 50 is, for example, the category of deposit or withdrawal, the deposit / withdrawal expense item, the date and time, which is transmitted by the husband who makes a living in a certain household operating the mobile phone 10.
It has a function of receiving the amount of money and the like and accumulating it in the storage of the household budget recording service 50. In addition, it is equipped with an information processing service to the extent that it calculates the balance from the accumulated household information and returns it.

The household budget recording service 50 also accepts a household budget analysis / diagnosis request for the household budget analysis service 60 from the personal computer 30 by the wife who runs the same household as the above-mentioned husband, and makes a request to the contracted household budget analysis service 60 and the necessary information. It has a function to transmit household information.

The household budget recording service 50 may be installed anywhere as long as it is connected to the network 100 such as the Internet.

The household budget analysis service 60 is a terminal installed by a business operator who can analyze and diagnose accounting such as household budget, for example, a self-employed financial planner. The household budget analysis service 60 receives the analysis / diagnosis request and household budget information from the personal computer 30 transmitted by the household budget recording service 50, analyzes and diagnoses the relevant household budget, and returns the result to the personal computer 30.

Next, the operation of the first embodiment of the present invention will be described in detail with reference to FIGS. 2, 3 and 4.

FIG. 3 is a diagram showing a registration screen of a mobile phone of the household management system and the household management method of the present invention.

FIG. 4 is a flowchart showing the operation of the first embodiment of the household management system and the household management method of the present invention.

First, a husband who makes a living at a certain household accesses the home page of the household recording service 50, which provides services through the network 100 from the mobile phone 10. (Step B1). In response to this access, the household budget recording service 50 uses the transmitted attribute information of the mobile phone 10 to classify and pay the necessary deposit / withdrawal amount for the mobile phone, food expenses,
An input information screen as shown in FIG. 3 such as favorite items, stationery items, pay-in / pay-out expenses such as salary, date and time is transmitted to the mobile phone 10 (step B2). As the attribute information of the mobile phone 10, ID information (account name, phone number, contract number, etc. given at the time of service contract), password and user's use for recognizing whether the service contract of the household budget service 50 is received There is a type of terminal (mobile phone, mobile terminal, personal computer, or other type of user terminal).

The mobile phone 10 displays a screen for selecting or inputting information relating to household deposit / withdrawal as shown in FIG. For example, a husband who has accessed 12 from a mobile phone 10 (purchases) of Happoshu (withdrawal) selects "Withdrawal" from the pull-down menu from the item on the screen, and chooses a favorite item from the pull-down menu for the expense. For ¥ 1,62
Input 0 and transmit (step B3).

The household budget recording service 50, which receives the household budget information from the mobile phone 10 via the network 100, identifies the type of deposit / withdrawal, the deposit / withdrawal expense item, the date / time, and the amount as the specific household contracted from the attribute information of the mobile phone 10. Is accumulated (step B4). At the same time, the confirmation information indicating that the information is stored and registered and the information such as the balance are returned to the mobile phone 10 (step B4).

The husband who transmitted the household budget information confirms that the information has been accumulated and registered by the household budget recording service 50 from the mobile phone 10 and also the balance information and the like (step B).
5).

The above steps (steps B1 to B5) may be performed each time when depositing or withdrawing,
Some deposits and withdrawals may take place over time.
It is also repeated many times.

Those who make a living from the household recording service 50 make a contract for each household and collect the cost.

Next, the wife who makes a living in the same household as the husband accesses the home page of the household accounting service 50 which is providing the service from the personal computer 30 via the network 100 (step B6). In response to this access, the household budget recording service 50 returns a menu screen for the personal computer to the personal computer 30 from the transmitted attributes of the personal computer 30 (step B7).

On the personal computer 30, a service menu provided by the household budget recording service 50 to the contractor is displayed. The wife who manages the household budget selects an analysis / diagnosis of their household budget from the menu displayed on the personal computer 30 and sends it to the household budget recording service 50 (step B8).

Housekeeping recording service 50 which has received a request for analysis / diagnosis of household budget from the personal computer 30
Requests the household analysis service 60 (or a plurality) contracted by the household recording service 50 for analysis / diagnosis together with the accumulated household data of the requested household. The household analysis service 60 analyzes and diagnoses the household based on the acquired accumulated data, and transmits the result to the personal computer 30 which is the true request destination without passing through the household recording service 50 via the network 100 (step 10). .

Those who make a living from the household analysis service 60 contract with the household recording service 50, and the cost of analysis / diagnosis is arranged with the household recording service 50. The cost is calculated by the household recording service 50 from the contracted household. To collect.

The personal computer 30 receives and confirms the analysis / diagnosis result of the household budget transmitted from the household budget analysis service 60, and transmits the confirmation to the household budget recording service (step 11).

Although the mobile phone 10 is the model used by the user in the first embodiment so far, the screen display and the input to which the advanced information processing function such as the Internet access function is added like the mobile phone 10. It is also possible to use the mobile terminal 20 with a function.

The depositor / disburser uses the terminal device such as his / her own mobile phone 10, the mobile terminal 20, the personal computer 30, and the other user terminal 40, which are users.
Although the description has been made by accessing the household accounting service 50 and the household / analysis service 60, the terminal device such as the mobile phone 10, the mobile terminal 20, the personal computer 30, and the other user terminal 40 can be used by using any terminal device. You can also receive management services. The form of whether the terminal device to be used can be its own or an arbitrary one is determined by the contract of the household management service.

That is, when the service is received using one's own terminal device, identification information unique to the using terminal such as a telephone number may be used as ID information for recognition, and any terminal device may be used. When receiving the service by using the service, the account name or contract number given at the time of the service contract may be used as the ID information for recognition.

From the mobile phone 10 to the household budget recording service 5
0, inputs information relating to household deposit / withdrawal, accumulates deposit / withdrawal information in the household accounting service 50, browses the balance etc. from the accumulated household information, and uses the personal computer 30 to record the household accounting service 50. I explained to you by accessing to, sending a request for household analysis / diagnosis to the household analysis service 60, and conducting household analysis / diagnosis. The telephone 10 alone, the personal computer 30 alone, or the personal computer 30 may be used to input information relating to household deposit / withdrawal, or the household telephone analysis / diagnosis request may be made from the mobile telephone 10.

Next, a second embodiment of the present invention will be described with reference to the drawings.

FIG. 5 is a block diagram showing a second embodiment of the household management system and the household management method of the present invention.

Referring to FIG. 2, in the second embodiment of the present invention, an ATM in which another user terminal 40 is installed in a convenience store, a supermarket or the like instead of the mobile phone 10 of the first embodiment. This is a multi-function service terminal having functions such as, and is different from the first embodiment in that the transmission of household deposit / withdrawal data is automated to some extent.

When shopping at a convenience store, a supermarket, etc., it is common to receive confirmation such as a receipt. A depositor / withdrawer who has made a purchase at a convenience store, a supermarket or the like has a function of creating data to be transmitted from the other user terminal 40 to the household budget recording service 50 by scanning a receipt and character recognition of the other user terminal 40.

Next, the operation of the second embodiment of the present invention will be described in detail with reference to FIGS. 5, 6 and 7.

FIG. 6 is a diagram showing a screen of scan data of another user terminal in the household management system and the household management method of the present invention.

FIG. 7 is a flow chart showing the operation of the second embodiment of the household management system and the household management method of the present invention.

A husband who earns a living in a household accesses the home page of the household accounting service 50 from another user terminal 40 via the network 100 (step C).
1). In response to this access, the household budget recording service 50 transmits the input information screen for the multi-function service terminal from the transmitted attributes of the other user terminals 40 (step C).
2).

A screen for inputting a plurality of items as shown in FIG. 6 is displayed on the other user terminals 40 (at that time, no data is contained in the items). A device for reading the receipt is attached to the other user terminal 40, and each item is automatically inserted as shown in FIG. 6 by reading the receipt according to the screen / operation guide. A plurality of deposit / withdrawal data is transmitted from the other user terminals 40 to the household budget recording service 50. (Step C3).

Subsequent operations (steps C4 to C11) are the same as those of the first embodiment (steps B4 to B11).

As described above, in the second embodiment, it is possible to easily transmit the household budget information to the household budget recording service 50 at the store by using the confirmation that the purchase has been made.

It is easily conceivable to transmit data from a register terminal such as a convenience store or a supermarket as an improved form of the second embodiment.

Next, a third embodiment of the present invention will be described with reference to the drawings.

The third embodiment of the present invention is that the user carries out the analysis of the household budget with his / her own personal computer 30 without resorting to an expert such as the household budget analysis service 60.

Next, the operation of the third embodiment of the present invention will be described in detail with reference to FIGS. 2, 3 and 8.

FIG. 8 is a flow chart showing the operation of the third embodiment of the household management system and the household management method of the present invention.

The operation of registering household data (from step D1 to step D5) is the same as that of the first embodiment of the present invention (from step B1 to step B5).

The household administrator is the personal computer 30.
Further, it requests a reply for data of a specific period of the household data accumulated in the household recording service 50 (step D6). Based on the request, the household budget recording service 50 extracts necessary data from the accumulated data and returns it to the personal computer 30 (step D7).

The personal computer 30 receives the data returned from the household budget recording service 50 (step D8). The household manager copies the data to the personal computer 30 or another information processing apparatus, and analyzes the household using commercially available household management software or general-purpose spreadsheet software (step D9).

[0091]

As described above, according to the household management system and the household management method of the present invention, the first effect is that the deposit / withdrawal information can be recorded as information without forgetting. Especially, if the user terminal is a mobile phone such as a mobile phone, the effect is remarkable.

The reason is that it is possible to record by using the Internet in real time when depositing / withdrawing.

The second effect is that the household budget can be recorded for a long time without losing the record.

The reason is that a request was made to a trader who can store and save records responsibly.

The third effect is that the household budget can be easily analyzed and diagnosed. In particular, the effect is remarkable when the expert or the like does not know. The reason is that you don't need to search for it because you can use the specialists who have contracts with the service providers of record storage.

[Brief description of drawings]

FIG. 1 is a configuration diagram showing an embodiment of a household management system and a household management method of the present invention.

FIG. 2 is a configuration diagram showing first and third embodiments of a household management system and a household management method of the present invention.

FIG. 3 is a diagram showing a registration screen of a mobile phone of the household management system and the household management method of the present invention.

FIG. 4 is a flowchart showing the operation of the first embodiment of the household budget management system and the household budget management method of the present invention.

FIG. 5 is a configuration diagram showing a second embodiment of the household management system and the household management method of the present invention.

FIG. 6 is a diagram showing a screen of scan data of another user terminal of the household management system and the household management method of the present invention.

FIG. 7 is a flowchart showing an operation of the second embodiment of the household management system and the household management method of the present invention.

FIG. 8 is a flowchart showing an operation of the third embodiment of the household management system and the household management method of the present invention.

[Explanation of symbols]

10 mobile phones 20 mobile terminals 30 personal computer 40 Other user terminals 50 household record service 60 Household analysis service 100 networks

Claims (25)

[Claims] Claims: 1. In the household budget, the deposit and withdrawal records are made by the depositor / withdrawer via his / her own terminal via a network, and the deposit / withdrawal record is maintained, the record is organized and browsed, and the household analysis service is a household accounting service connected to the network. A household management system that is characterized by the household analysis service. 2. The household makes a record of cash payments and withdrawals via a network from a depositor / withdrawal terminal, and holds a deposit / withdrawal record, organizes and browses the record / household analysis service, and a household record service connected to the network. A household management method characterized by being performed by a household analysis service. 3. The household makes a record of cash payments and withdrawals via a network from the terminal of the depositor / depositor, and holds a deposit / withdrawal record, organizes and browses the record / household analysis service, and a household record service connected to the network. A program that causes a computer to perform the processing performed by the household analysis service. 4. The household makes a record of cash payments and withdrawals via a network from an arbitrary terminal, holds a deposit / withdrawal record, organizes and browses the record, and analyzes the household budget. A household management system that is characterized by the household analysis service. 5. A payment / receipt record is made by a depositor / depositor via a network from any terminal, and a deposit / withdrawal record is maintained, a record is organized / viewed, and a household analysis service is connected to the household. A household management method characterized by being performed by a household analysis service. 6. The household makes a record of payment and receipt of money through a network from an arbitrary terminal, and holds a deposit / withdrawal record, organizes and browses the record, and analyzes the household budget by a household record service connected to the network. A program that causes a computer to perform the processing performed by the household analysis service. 7. A mobile phone, a personal computer, a household accounting service, a household analysis service, and a network interconnecting these, and the cellular phone accesses the household recording service via the network to enter and exit the household. It has a function to display an input information screen for information related to money, and includes information on the deposit and withdrawal of households including the deposit or withdrawal category, deposit and withdrawal expense item, date and time, and amount of money.
It has a function to send the item and amount selected from the above information to the household recording service. It has a function to accumulate, has an information processing service that calculates and returns the balance from the accumulated household information, and the household recording service also
It has a function to accept a request for household analysis / diagnosis from the personal computer to the household analysis service, and send the request and household information to the household analysis service. A household management system having a function of receiving an analysis / diagnosis request and household budget information from a personal computer transmitted by a recording service, performing an analysis / diagnosis on the corresponding household, and returning the result to the personal computer. 8. A mobile phone, a personal computer, a household accounting service, a household analysis service, and a network interconnecting these, and the cellular phone accesses the household recording service through the network to enter and exit the household. Display the input information screen for money related information, including the deposit / withdrawal classification, deposit / withdrawal item, date / time, and amount as information related to household deposit / withdrawal. And the amount of money sent to the household budget recording service. The balance is calculated and returned, and the household record service also receives a request for household analysis / diagnosis from the personal computer to the household analysis service. The request and household information are sent to the household analysis service. The household analysis service analyzes and diagnoses the accounting of the household. A household management method characterized by receiving, analyzing and diagnosing the relevant household and returning the result to a personal computer. 9. A mobile phone, a personal computer, a household accounting service, a household analysis service, and a network interconnecting these, and the cellular phone accesses the household recording service through the network to enter and exit the household. Display the input information screen for money related information, including the deposit / withdrawal classification, deposit / withdrawal item, date / time, and amount as information related to household deposit / withdrawal. And the amount of money sent to the household budget recording service. The balance is calculated and returned, and the household record service also receives a request for household analysis / diagnosis from the personal computer to the household analysis service. The request and household information are sent to the household analysis service. The household analysis service analyzes and diagnoses the accounting of the household. A program that causes a computer to execute the process of receiving, analyzing and diagnosing the relevant household budget, and returning the results to a personal computer. 10. The household account recording service, which provides services through a network from the mobile phone, responds to the access, and the household account recording service uses the attribute information of the transmitted mobile phone to make necessary entry / exit for the mobile phone. ID information and password for sending an input information screen consisting of the type and amount of money, deposit / withdrawal expense item, date and time to the mobile phone, and recognizing whether the contract for the household accounting service is received as mobile phone attribute information And using the type of terminal used by the user, the mobile phone displays the information related to deposit / withdrawal of household budget information or the screen to be entered, inputs the household budget information from the mobile phone, and sends it to the household budget service,
The household budget recording service, which receives household budget information from a mobile phone via the network, accumulates and registers the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the mobile phone attribute information Confirmation information and balance information to the mobile phone, confirm that the information was accumulated and registered by the household accounting service from the mobile phone that sent the household information, and confirm the balance information, and then from the personal computer via the network. In response to the access, the household budget recording service that provides services returns the menu screen for the personal computer to the personal computer from the attributes of the personal computer transmitted, and the personal computer records the household budget recording service. Display the service menu of Select the analysis / diagnosis of the household budget from the menu displayed on the personal computer, send it to the household budget service, and receive the analysis / diagnosis request of the household budget from the personal computer. The household analysis service requests analysis and diagnosis together with the accumulated household data of the requested household, and the household analysis service analyzes and diagnoses the household from the acquired accumulated data and sends the result to the household recording service,
The household accounting service is a household management method characterized by transmitting the results of household analysis / diagnosis to a personal computer which is a request destination via a network. 11. The household budget recording service, which provides services through a network from a mobile phone, responds to the access, and the household budget recording service makes necessary entry / exit for the mobile phone based on the attribute information of the mobile phone transmitted. ID information and password for sending an input information screen consisting of the type and amount of money, the deposit / withdrawal expense item, the date and time to the mobile phone and recognizing whether a contract for the household accounting service is received as mobile phone attribute information And using the type of terminal used by the user, the mobile phone displays the information relating to the deposit / withdrawal of household information or the screen to be input, inputs the household information from the mobile phone and sends it to the household record service,
The household budget recording service, which receives household budget information from a mobile phone via the network, accumulates and registers the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the mobile phone attribute information Confirmation information and balance information to the mobile phone, confirm that the information was accumulated and registered by the household accounting service from the mobile phone that sent the household information, and confirm the balance information, and then from the personal computer via the network. In response to the access, the household budget recording service that provides services returns the menu screen for the personal computer to the personal computer from the attributes of the personal computer transmitted, and the personal computer records the household budget recording service. Display the service menu of Select the analysis / diagnosis of the household budget from the menu displayed on the personal computer, send it to the household budget service, and receive the analysis / diagnosis request of the household budget from the personal computer. The household analysis service requests analysis and diagnosis together with the accumulated household data of the requested household, and the household analysis service analyzes and diagnoses the household from the acquired accumulated data and sends the result to the household recording service,
The household budget service is a program that causes a computer to execute a process of transmitting the results of household analysis / diagnosis to a requesting personal computer via a network. 12. The household account recording service, which provides services through a network from the mobile phone, responds to the access, and the household account recording service responds to the access by using the attribute information of the transmitted mobile phone to obtain necessary entry / exit for the mobile phone. ID information and password for sending an input information screen consisting of the type and amount of money, the deposit / withdrawal expense item, the date and time to the mobile phone and recognizing whether a contract for the household accounting service is received as mobile phone attribute information And using the type of terminal used by the user, the mobile phone displays the information relating to the deposit / withdrawal of household information or the screen to be input, inputs the household information from the mobile phone and sends it to the household record service,
The household budget recording service, which receives household budget information from a mobile phone via the network, accumulates and registers the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the mobile phone attribute information Confirmation information and balance information to the mobile phone, confirm that the information was accumulated and registered by the household accounting service from the mobile phone that sent the household information, and confirm the balance information, and then from the personal computer via the network. In response to the access, the household budget recording service that provides services returns the menu screen for the personal computer to the personal computer from the attributes of the personal computer transmitted, and the personal computer records the household budget recording service. Display the service menu of Select the analysis / diagnosis of the household budget from the menu displayed on the personal computer, send it to the household budget service, and receive the analysis / diagnosis request of the household budget from the personal computer. Request to household analysis service Request analysis and diagnosis together with accumulated household data of household, and household analysis service analyzes and diagnoses household from the accumulated data obtained and requests the results via network without passing through household recording service A household management method characterized by transmitting to a personal computer as a destination. 13. The household account recording service, which provides services through a network from the mobile phone, accesses the household account recording service in response to the access, and the household account recording service receives necessary access information from the attribute information of the mobile phone. ID information and password for sending an input information screen consisting of the type and amount of money, the deposit / withdrawal expense item, the date and time to the mobile phone and recognizing whether a contract for the household accounting service is received as mobile phone attribute information And using the type of terminal used by the user, the mobile phone displays the information relating to the deposit / withdrawal of household information or the screen to be input, inputs the household information from the mobile phone and sends it to the household record service,
The household budget recording service, which receives household budget information from a mobile phone via the network, accumulates and registers the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the mobile phone attribute information Confirmation information and balance information to the mobile phone, confirm that the information was accumulated and registered by the household accounting service from the mobile phone that sent the household information, and confirm the balance information, and then from the personal computer via the network. In response to the access, the household budget recording service that provides services returns the menu screen for the personal computer to the personal computer from the attributes of the personal computer transmitted, and the personal computer records the household budget recording service. Display the service menu of Select the analysis / diagnosis of the household budget from the menu displayed on the personal computer, send it to the household budget service, and receive the analysis / diagnosis request of the household budget from the personal computer. Request to household analysis service Request analysis and diagnosis together with accumulated household data of household, and household analysis service analyzes and diagnoses household from the accumulated data obtained and requests the results via network without passing through household recording service A program for causing a computer to execute a process of transmitting to a personal computer which is a destination. 14. The household accounting service home page is accessed from the user terminal via the network, and in response to the access, the household accounting service transmits the input information screen for the multifunction service terminal from the attribute of the transmitted user terminal, Household information is automatically inserted by displaying the input screen on the user terminal and reading the receipt from the user terminal.Several deposit / withdrawal data is sent from the user terminal to the household accounting service, and the household information from the user terminal is collected. The household recording service received via the network accumulates deposit / withdrawal categories, deposit / withdrawal expense items, date / time, and amount of money as a specific household contracted from the attribute information of the user terminal, and confirms that the information has been registered and balance information Is sent back to the user terminal, and the information is stored and registered by the household accounting service from the user terminal that sent the household information. Confirm the confirmation and balance information, access the home page of the household accounting service that provides services from the personal computer via the network, and in response to the access, the household accounting service responds to the personal information from the personal computer attributes sent. The menu screen for the computer is returned to the personal computer, the service menu of the household budget service is displayed on the personal computer, and the analysis / diagnosis of the household budget is selected from the menu displayed on the personal computer and sent to the household budget service. However, the household accounting service that received the analysis / diagnosis request for the household budget from the personal computer requests the household analysis service contracted by the household accounting service for analysis / diagnosis together with the accumulated household budget data of the requested household, and Biz should perform household analysis / diagnosis from the obtained accumulated data and send the result to the household accounting service, and the household recording service should transmit the household analysis / diagnosis result to the requesting personal computer via the network. Household management method characterized by. 15. The household accounting service home page is accessed from the user terminal via the network, and in response to the access, the household accounting service transmits the input information screen for the multifunction service terminal from the attribute of the transmitted user terminal, Household information is automatically inserted by displaying the input screen on the user terminal and reading the receipt from the user terminal.Several deposit / withdrawal data is sent from the user terminal to the household accounting service, and the household information from the user terminal is collected. The household recording service received via the network accumulates the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount of money as a specific household contracted from the attribute information of the user terminal, and confirms that the information is registered and balance information. Is sent back to the user terminal, and the information is stored and registered by the household accounting service from the user terminal that sent the household information. Confirm the confirmation and balance information, access the home page of the household accounting service that provides services from the personal computer via the network, and in response to the access, the household accounting service responds to the personal information from the personal computer attributes sent. The menu screen for the computer is returned to the personal computer, the service menu of the household budget service is displayed on the personal computer, and the analysis / diagnosis of the household budget is selected from the menu displayed on the personal computer and sent to the household budget service. However, the household accounting service that received the analysis / diagnosis request for the household budget from the personal computer requests the household analysis service contracted by the household accounting service for analysis / diagnosis together with the accumulated household budget data of the requested household, and The bis process analyzes and diagnoses the household budget from the acquired accumulated data and sends the results to the household budget service, and the household budget service sends the results of the household analysis and diagnostics to the requesting personal computer via the network. A program that causes a computer to execute. 16. The household accounting service home page is accessed from the user terminal via the network, and in response to the access, the household accounting service transmits an input information screen for the multifunction service terminal from the attribute of the transmitted user terminal, Household information is automatically inserted by displaying the input screen on the user terminal and reading the receipt from the user terminal.Several deposit / withdrawal data is sent from the user terminal to the household accounting service, and the household information from the user terminal is collected. The household recording service received via the network accumulates the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount of money as a specific household contracted from the attribute information of the user terminal, and confirms that the information is registered and balance information. Is sent back to the user terminal, and the information is stored and registered by the household accounting service from the user terminal that sent the household information. Confirm the confirmation and balance information, access the home page of the household accounting service that provides services from the personal computer via the network, and in response to the access, the household accounting service responds to the personal information from the personal computer attributes sent. The menu screen for the computer is returned to the personal computer, the service menu of the household budget service is displayed on the personal computer, and the analysis / diagnosis of the household budget is selected from the menu displayed on the personal computer and sent to the household budget service. However, the household accounting service that received the analysis / diagnosis request for the household budget from the personal computer requests the household analysis service contracted by the household accounting service for analysis / diagnosis together with the accumulated household budget data of the requested household, and Household management method bis is characterized in that to transmit the results to perform an analysis and diagnosis of the household from the accumulated data obtained in the personal computer is a request destination without passing through the household recording service via a network. 17. The household accounting service home page is accessed from the user terminal via the network, and in response to the access, the household accounting service transmits the input information screen for the multifunction service terminal from the attribute of the transmitted user terminal, Household information is automatically inserted by displaying the input screen on the user terminal and reading the receipt from the user terminal.Several deposit / withdrawal data is sent from the user terminal to the household accounting service, and the household information from the user terminal is collected. The household recording service received via the network accumulates the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount of money as a specific household contracted from the attribute information of the user terminal, and the confirmation information and balance information of the accumulation registration. Is sent back to the user terminal, and the information is stored and registered by the household accounting service from the user terminal that sent the household information. Confirm the confirmation and balance information, access the home page of the household accounting service that provides services from the personal computer via the network, and in response to the access, the household accounting service responds to the personal information from the personal computer attributes sent. The menu screen for the computer is returned to the personal computer, the service menu of the household budget service is displayed on the personal computer, and the analysis / diagnosis of the household budget is selected from the menu displayed on the personal computer and sent to the household budget service. However, the household accounting service that received the analysis / diagnosis request for the household budget from the personal computer requests the household analysis service contracted by the household accounting service for analysis / diagnosis together with the accumulated household budget data of the requested household, and Program for screws are to execute a process of transmitting to the personal computer is a request destination results to perform an analysis and diagnosis of the household from the accumulated data obtained without going through the household recording service via a network to the computer. 18. The household account recording service, which provides services via a network from a mobile phone, responds to the access, and the household account recording service responds to the access by transmitting the attribute information of the mobile phone to the necessary entry / exit for the mobile phone. ID information and password for sending an input information screen consisting of the type and amount of money, the deposit / withdrawal expense item, the date and time to the mobile phone and recognizing whether a contract for the household accounting service is received as mobile phone attribute information And using the type of terminal used by the user, the mobile phone displays the information relating to the deposit / withdrawal of household information or the screen to be input, inputs the household information from the mobile phone and sends it to the household record service,
The household budget recording service that receives household budget information from a mobile phone via the network accumulates and registers the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the mobile phone attribute information. Confirmation information and balance information is returned to the mobile phone, the mobile phone that sent the household budget information confirmed that the information was accumulated and registered by the household budget service, and the balance information was confirmed, and the household budget service was sent from the personal computer. Request a reply for the data for a specific period of the household data accumulated in the household accounting service. Received personal data, and the personal computer uses commercially available household management software or Household management method characterized in that the analysis of household by spreadsheet software use. 19. The household account recording service, which provides services via a network from a mobile phone, responds to the access and the household account recording service uses the attribute information of the transmitted mobile phone to obtain necessary entry / exit for the mobile phone. ID information and password for sending an input information screen consisting of the type and amount of money, the deposit / withdrawal expense item, the date and time to the mobile phone and recognizing whether a contract for the household accounting service is received as mobile phone attribute information And using the type of terminal used by the user, the mobile phone displays the information relating to the deposit / withdrawal of household information or the screen to be input, inputs the household information from the mobile phone and sends it to the household record service,
The household budget recording service that receives household budget information from a mobile phone via the network accumulates and registers the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the mobile phone attribute information. Confirmation information and balance information is returned to the mobile phone, the mobile phone that sent the household budget information confirmed that the information was accumulated and registered by the household budget service, and the balance information was confirmed, and the household budget service was sent from the personal computer. Request a reply for the data for a specific period of the household data accumulated in the household accounting service. Received personal data, and the personal computer uses commercially available household management software or Program for executing the spreadsheet software to analyze household in the process of use on the computer. 20. The household account recording service, which provides a service via a network from a mobile phone, accesses the household account recording service in response to the access, and the household account recording service makes necessary entry / exit for the mobile phone based on the attribute information of the transmitted mobile phone. ID information and password for sending an input information screen consisting of the type and amount of money, the deposit / withdrawal expense item, the date and time to the mobile phone and recognizing whether a contract for the household accounting service is received as mobile phone attribute information And using the type of terminal used by the user, the mobile phone displays the information relating to the deposit / withdrawal of household information or the screen to be input, inputs the household information from the mobile phone and sends it to the household record service,
The household budget recording service that receives household budget information from a mobile phone via the network accumulates and registers the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the mobile phone attribute information. Confirmation information and balance information is returned to the mobile phone, the mobile phone that sent the household budget information confirmed that the information was accumulated and registered by the household budget service, and the balance information was confirmed, and the household budget service was sent from the personal computer. Request a reply for the data for a specific period of the household data accumulated in the household accounting service. Received data and send it from the personal computer to another information processing device. And, household management method characterized in that the analysis of household with a commercially available household management software and a general purpose spreadsheet software. 21. Accessing a home page of a household accounting service that provides services via a network from a mobile phone, and in response to the access, the household accounting service responds to the access by using the attribute information of the mobile phone to obtain necessary entry / exit for the mobile phone. ID information and password for sending an input information screen consisting of the type and amount of money, the deposit / withdrawal expense item, the date and time to the mobile phone and recognizing whether a contract for the household accounting service is received as mobile phone attribute information And using the type of terminal used by the user, the mobile phone displays the information relating to the deposit / withdrawal of household information or the screen to be input, inputs the household information from the mobile phone and sends it to the household record service,
The household budget recording service that receives household budget information from a mobile phone via the network accumulates and registers the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount as a specific household contracted from the mobile phone attribute information. Confirmation information and balance information is returned to the mobile phone, the mobile phone that sent the household budget information confirmed that the information was accumulated and registered by the household budget service, and the balance information was confirmed, and the household budget service was sent from the personal computer. Request a reply for the data for a specific period of the household data accumulated in the household accounting service. Received data and send it from the personal computer to another information processing device. And a program for executing processing for analyzing a household with a commercially available household management software and a general purpose spreadsheet software on the computer. 22. The household accounting service home page is accessed from the user terminal via the network, and in response to the access, the household accounting service transmits an input information screen for the multifunction service terminal from the attribute of the transmitted user terminal, Household information is automatically inserted by displaying the input screen on the user terminal and reading the receipt from the user terminal.Several deposit / withdrawal data is sent from the user terminal to the household accounting service, and the household information from the user terminal is collected. The household recording service received via the network accumulates the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount of money as a specific household contracted from the attribute information of the user terminal, and confirms that the information is registered and balance information. Is sent back to the user terminal, and the information is stored and registered by the household accounting service from the user terminal that sent the household information. Confirmation and balance information, requesting a reply from the personal computer about the data for a specific period of the household data accumulated in the household recording service, and the household recording service accumulates the data based on the request. Characterized by extracting from the data and returning it to the personal computer, the personal computer receiving the data returned from the household accounting service, and the personal computer analyzing the household using commercially available household management software or general-purpose spreadsheet software. How to manage the household budget. 23. The home accounting service home page is accessed from the user terminal via the network, and in response to the access, the household accounting service transmits an input information screen for the multifunction service terminal from the attribute of the transmitted user terminal, Household information is automatically inserted by displaying the input screen on the user terminal and reading the receipt from the user terminal.Several deposit / withdrawal data is sent from the user terminal to the household accounting service, and the household information from the user terminal is collected. The household recording service received via the network accumulates the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount of money as a specific household contracted from the attribute information of the user terminal, and confirms that the information is registered and balance information. Is sent back to the user terminal, and the information is stored and registered by the household accounting service from the user terminal that sent the household information. Confirmation and balance information, requesting a reply from the personal computer about the data for a specific period of the household data accumulated in the household recording service, and the household recording service accumulates the data based on the request. The data is extracted from the data and sent back to the personal computer. The personal computer receives the data sent back from the household accounting service. A program to run. 24. The household accounting service home page is accessed from the user terminal via the network, and in response to the access, the household accounting service transmits an input information screen for the multifunctional service terminal from the attribute of the transmitted user terminal, Household information is automatically inserted by displaying the input screen on the user terminal and reading the receipt from the user terminal.Several deposit / withdrawal data is sent from the user terminal to the household accounting service, and the household information from the user terminal is collected. The household recording service received via the network accumulates the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount of money as a specific household contracted from the attribute information of the user terminal, and confirms that the information is registered and balance information. Is sent back to the user terminal, and the information is stored and registered by the household accounting service from the user terminal that sent the household information. Confirmation and balance information, requesting a reply from the personal computer about the data for a specific period of the household data accumulated in the household recording service, and the household recording service accumulates the data based on the request. A household management method comprising extracting from data, returning it to a personal computer, copying the data from the personal computer to another information processing device, and analyzing the household using commercially available household management software or general-purpose spreadsheet software. 25. The home accounting service home page is accessed from the user terminal via the network, and in response to the access, the household accounting service transmits an input information screen for the multifunction service terminal from the attribute of the transmitted user terminal Household information is automatically inserted by displaying the input screen on the user terminal and reading the receipt from the user terminal.Several deposit / withdrawal data is sent from the user terminal to the household accounting service, and the household information from the user terminal is collected. The household recording service received via the network accumulates the deposit / withdrawal category, deposit / withdrawal expense item, date / time, and amount of money as a specific household contracted from the attribute information of the user terminal, and confirms that the information is registered and balance information. Is sent back to the user terminal, and the information is stored and registered by the household accounting service from the user terminal that sent the household information. Confirmation and balance information, requesting a reply from the personal computer about the data for a specific period of the household data accumulated in the household recording service, and the household recording service accumulates the data based on the request. A program for extracting data from the data, returning it to the personal computer, copying the data from the personal computer to another information processing device, and causing the computer to execute the process of analyzing the household using commercially available household management software or general-purpose spreadsheet software. .