JP2003216806A - Household account management supporting method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To help a user to properly and easily set a budget amount corresponding to payment items. <P>SOLUTION: When a real account 404 as one household account and one or more payout-item corresponding virtual accounts 405 to 409 for the real account 404 are set and managed by users, the setting of payout budget amounts of the respective virtual accounts 405 to 409 and the payout total budget amount of the whole real account 404 is supported while the consistency of the sum of payout budget amounts of the respective virtual accounts 405 to 409 to the pay-out total budget amount of the whole real account 404 is secured. <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 an account management method in a financial institution, and in particular, based on the transaction status of users.
The present invention relates to a household account management support method for supporting the budget setting according to the user and implementing the budget / actual result management so that the convenience of the user's household management can be achieved.

[0002]

2. Description of the Related Art Generally, in managing household expenses, a budget frame is set in advance for each expenditure item, and the expenditure is systematically performed within that range.

On the other hand, in addition to this, in addition to the conventional debit of public utility bills and credit card debits, the types of expenditure items from accounts such as debit cards and Internet transactions are gradually increasing as technological innovation progresses. Under these circumstances, there is a growing need to manage budgets and balances on a spending item basis.

By the way, when managing a plurality of spending items, instead of managing them by a plurality of accounts, a plurality of virtual accounts are opened for one real account.
An account management method that can realize effective household management by classifying transactions for real accounts into virtual accounts and managing transaction results and balances not only for real account management but also for each virtual account Japanese Patent Laid-Open No. 9-259203. Also, Japanese Patent Publication No. 3029421
The issue also discloses a hierarchical account management method.

[0005]

[Problems to be Solved by the Invention] Here, focusing on the aspect of "budget setting", it is said that, in the conventional household management software and account management, the cash accounting function is mainly used to support the household management. Even if the budget can be set in the sense, the setting is based on the user's arbitrary input. In Japanese Patent Laid-Open No. 9-259203, the "deposit" to each virtual account, that is, the setting of the budget is premised on an arbitrary input based on a rough judgment of the user. According to the past transaction record, etc., the budget setting according to the user is not supported. As long as the budget setting support is not provided by a third party institution, the user may analyze his / her past transaction record by some method in advance or refer to the white paper on daily life, etc. It was necessary to determine the set budget amount for each expenditure item).

Further, focusing on the aspect of "budget / actual management", in the case of conventional household management software or account management, transactions are aggregated in units of expenditure items, deposits in units of expenditure, or balance of expenses. It has been realized to the point of totalizing the final total balance, or such total technology has been disclosed, but in response to that, proactively making budget proposals The reality is that nothing has been done. For example, no household advice such as introducing products such as investment trusts has been given to users who have a large amount of surplus.

An object of the present invention is to provide a user account management support method capable of appropriately and easily setting and supporting a budget amount corresponding to an expenditure item for a user.

Another object of the present invention is to provide a household account management support method by which household income advice can be easily created in addition to setting a budget amount corresponding to an expenditure item.

[0009]

[Means for Solving the Problems] The above object is to provide, on a server of a financial institution, one real account as a household account and one or more virtual accounts corresponding to spending items corresponding to the real account for users. When set and managed, the payout budget amount for each virtual account and the actual real account as a whole are ensured while ensuring the consistency between the sum of the payout budget amounts for each virtual account and the total payout budget amount for the entire real account. This is achieved by providing support for setting the total budget amount to be paid out.

In addition to the above-mentioned setting support, the setting budget amount and the actual result are analyzed in addition to the above-mentioned purpose, and a household budget advice including a revised budget plan, a living improvement plan and a surplus operating method is prepared. It is achieved by being done.

[0011]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to FIG.
From FIG. 8 will be described.

First, referring to FIG. 1, this shows a functional configuration on a server of a financial institution in which the household account management support method according to the present invention is implemented. FIG. 2 also shows a system configuration including the server for an ATM system.

As shown in FIG. 2, in the ATM system, the terminal 201 and the server 205 are connected to the communication network 2
It is connected through 04. Terminal 201
Is an ATM terminal used by a user and includes an input device 202 and an output device 203. The server 205 is provided with a data input processing function, an analysis processing function, and the like, and is composed of a control device 206 and a storage device 207.

Now, referring to FIG. 2, the functional configuration of the server 205 will be described.
4. Aggregated data 1 that aggregates balances and transactions for each account
06, the statistical data 108 such as the national life white paper and the performance at the financial institution, and the operational financial product data 110 provided by the financial institution are stored. Further, on the control device 206, the account information input processing function 101, the transaction input processing function 103, the transaction / balance aggregation processing function 105 for each account, the transaction analysis processing function 107, the budget bill calculation processing function 109, and the advice creation processing. Functions (including review budget calculation processing function 111 and optimum product determination processing 112)
114 and an advice notification processing function 113 are provided.

The various processing functions will be described below.

Account information input processing function 101: By this function, the hierarchical account data 102 such that one real account has a plurality of virtual accounts of spending item units according to the input contents from the input device 202. Created.

Transaction input processing function 103: This function creates transaction data for an actual account according to the contents input from the input device 202.

Transaction / balance total processing function 10 for each account
5: With this function, transaction results for real accounts are aggregated not only in real accounts but also in virtual account units, and aggregated data 1
06 is created.

Transaction analysis processing function 107: With this function, for example, the average balance of transactions within a certain period is calculated, and analysis such as comparison between budget and actual results and evaluation of deviation is performed. In addition, statistical data such as the average value of spending for each virtual account of all users of the financial institution is created. In the statistical data 108, in addition to public information such as a white paper on national life, statistical information of the financial institution calculated by this function is also stored.

Budget proposal calculation processing function 109: With this function, a budget proposal suitable for the user is calculated from the transaction analysis result by the transaction analysis processing function 107 for each user and the statistical data 108. This budget plan is used as a budget setting support when inputting account information.

Review budget calculation processing function 111: This function allows the budget and the budget analyzed by the transaction analysis processing function 107 to be calculated.
A review budget plan for the user is created from the difference in performance and the statistical data 108.

Optimal product determination processing function 112: With this function, a product that meets the conditions is extracted from the financial product data 110 owned by the company as a use of the surplus funds.

Household advice creation processing function 114: With this function, in addition to the processing result by the review budget calculation processing function 111, the processing result by the optimum product determination processing function 112, a final advice document including a review of life etc. Is created.

Advice notification processing function 113: This function notifies the user of the advice document created by the household advice creation processing function 114.

FIG. 3 also shows an example of the account system according to the present invention. As can be seen from this, one real account 301 is allocated to the expenditure item corresponding virtual accounts 302 to 30.
6 will be opened. These virtual accounts 30
Items 2 to 306 are used by the user for the sake of convenience to virtually manage transactions and balances in each expenditure item, and when a financial institution exchanges funds (deposits and withdraws) with the outside, it is as usual. It is processed by the real account 301. Further, as items related to household account management support, a total withdrawal budget item 307 is provided in the real account 301, and a deposit (withdrawal budget) item 308 is provided in each virtual account.

It is a feature of the present invention that it assists the setting of the budget amount for each virtual account and the total budget amount for the entire real account when the virtual account is opened. At that time, the setting support is provided while ensuring the consistency between the total sum of the disbursed budget amount of each virtual account and the disbursed total budget amount of the entire real account. In addition, at that time, if the user has a sufficient transaction record at the financial institution, the average of the average monthly balance of the transaction is calculated from the transaction record, and the user's own recommendation The budget amount has been calculated. If the user's transaction record at the financial institution is not sufficient, the recommended budget amount for general households should be calculated using data such as the White Paper on National Life.

Now, the present invention will be described more specifically. FIG. 4 shows a procedure for setting a budget while the user receives assistance for setting a budget amount. The procedure for opening a virtual account itself follows the procedure disclosed in Japanese Patent No. 3029421.

First, when the user presses the household budget management support service button on the initial screen 401, the household budget management support service screen 402 is displayed, and by further pressing the budget setting support button, the budget setting support is provided. Screen 40
3 is displayed. On the budget setting support screen 403, the relationship between the real account 404 and the virtual accounts 405 to 409 that have been opened in advance is visually displayed. In setting assistance, the total withdrawal budget (amount) of the real account 404 displays the total of deposits (amount) (withdrawal budget) in each of the virtual accounts 405 to 409 set when the virtual account was opened. ing.

Two methods can be considered for supporting the budget amount setting. In the first method, no user input is required, and only the button 422 is pressed to display the recommended deposit (payout budget) amount in each virtual account 405 to 409 in the display columns 417 to 421. The total is displayed in the display field 411 as the recommended total payout amount for the real account 404.

In the second method, the user inputs the total payout budget amount to the real account 404 in the input field 410 and presses the button 423 to distribute the input total payout budget amount at a recommended ratio. In addition, the allocated amount is allocated to each virtual account 405.
In the display columns 417 to 421, the deposit (payout budget) items 412 to 416 of 409 are temporarily stored in the display columns 417 to 421.
It is intended to be displayed. At that time, the display column 411
Displays the same value as the input field 410.

The user can determine the final budget amount of each virtual account 405 to 409 while using these support functions. Whichever method is used, if a convincing budget amount is set, the registration button 425 is pressed to register the budget amount as the account data 102. At that time, the relationship between the total withdrawal budget amount of the real account 404 and the deposit (withdrawal budget) amount of each virtual account 405 to 409 is checked. Each virtual account 4
If the total amount of deposits (disbursement budget) from 05 to 409 is the total disbursement budget amount of the real account, registration will continue, but if not, a message to that effect and the recommended budget amount It is displayed and is being prompted to reset. In the figure, reference numerals 424 and 426 represent a total payout budget amount calculation button and a close button, respectively.

In FIG. 5, button 422 or button 42
The processing flow when 3 is pressed, that is, the budget bill calculation processing flow is shown. In this case, first, step 501
Then, it is determined whether the processing type is the budget amount fully automatic calculation or the budget amount is calculated by appropriate distribution with respect to the input total budget amount. As a result of the determination in step 501, when the budget amount is calculated in an appropriate distribution with respect to the input total budget amount, it is determined in step 502 whether the total payout budget amount has been input. If it is not input, a message prompting the input is displayed in step 503, and the process ends.

If the result of the determination in step 501 is that the budget amount is fully automatically calculated, or if it is determined in step 502 that the total budget amount for withdrawal has been input, then in step 504 this user's financial Whether or not the transaction record at the institution is sufficient is determined, but the number of transactions after the actual account opening date, for example, is used as the determination condition in this step 504. As a result of the determination in step 504, if the transaction record is sufficient, step 506
Then, the recommended budget amount for each virtual account unique to the user is calculated from the transaction result data, for example, from the average of the average transaction balance of the month over the past one year. Further, if it is determined in step 504 that the transaction record is not sufficient, in step 505 the statistical data 108 such as general consumption demand information and the average of all users at the financial institution are calculated. Necessary data such as statistical information such as values, white paper on national life (Annual Report on Household Accounts by the General Affairs Agency, white paper on leisure by the Leisure Development Center, etc.) are extracted, and the average recommended budget amount for each virtual account is calculated. There is something. Then, in step 507, step 50
5 or after the total budget amount for withdrawal is calculated from the recommended budget amount for each virtual account calculated in step 506, in step 508, the ratio of the recommended budget amount for each virtual account to the total recommended budget amount for virtual accounts is calculated. It has become a thing.

After that, in step 509, the processing type is determined again. As a result of the determination, in the case of automatic budget amount calculation, the recommended budget amount for each virtual account calculated in step 506 or step 505, Step 507
The recommended total payout budget amount calculated in step 5 is the final recommended budget amount (step 510).
Further, if it is determined as a result of the determination in step 509 that the budget amount is calculated with an appropriate distribution with respect to the input total budget amount, in step 511, the payment input by the user is first issued. The recommended budget amount for each virtual account is calculated using the ratio calculated in step 508 from the total budget amount, and in the next step 512, the recommended payout total budget amount is the value input by the user, and the recommended budget amount for each virtual account is calculated. For the recommended budget amount, the value calculated in step 511 is used as the final recommended budget amount. Whichever method is used, in step 513, in step 51
0, or the final recommended budget amount semi-determined in step 512 is displayed in a predetermined display field, and a series of processing is completed.

Further, according to the present invention, in addition to the above-mentioned setting support, the set budget amount and the actual result are analyzed so that the household budget advice such as the revised budget plan, the living improvement plan, the surplus operating method and the like are prepared. Has become. For example, as a method of operating surplus money, it is conceivable to introduce financial products handled by the financial institution.

FIG. 6 shows a household budget advice creation processing function 114.
The processing flow by is shown. In this case, first, in step 601, the results are totaled. For example, a certain period (1
Monthly) units carry forward balances, withdrawals, deposits, and balances for real and virtual accounts. Next, in step 602, the difference between the budget and the actual result is calculated for each of these accounts, and further, in step 603, it is determined whether or not there is an account with “budget <actual”. If the result of the determination is that there is an account for which “budget <actual”, then in step 608, a revised budget proposal is calculated based on the present results, and in step 609, particularly improvement is required. If there is an item that is considered to exist, life improvement advice for that item is created.

On the other hand, in step 603, "budget <actual result"
If there is no account that has become, it is determined in step 604 whether or not the difference between the budget and the actual result is large. If the deviation is large, step 605
Then, based on the results of this time, a revised budget plan will be calculated to reduce the budget. Further, if it is determined in step 604 that the difference is not large, in step 606, the budget setting is realistic, and advice is created to continue managing the household budget. There is.

In the subsequent step 607, the surplus fund amount is calculated, and the financial products to be introduced are extracted from the product lineup of the financial institution according to the calculated surplus funds amount. At this time, even if the spending amount is large during the current calculation period, if the balance is large, the long-term financial product may be introduced. In the next step, step 610, the final advice according to the user is created using the values and advice calculated so far.

The advice created as described above is displayed, for example, at the stage when the household management support service screen 402 is displayed when ATM is used, or a special page is provided in the passbook for entry, or by e-mail. It is possible to notify the user by directly sending it to the user's private terminal, or by displaying it when logging in on the Internet transaction screen. 7 and 8 show examples of screen display of household advice.

As described above, when the user is notified of the advice, not only is the user more satisfied, but the budget and performance are managed and the budget is reviewed and life is maintained. It is possible to support decision-making for executing the following actions such as the review of financial statements and the management of surplus funds such as purchase of financial products, which in turn leads to acquisition of users and expansion of transactions for financial institutions.

[0041]

As described above, according to the present invention, it is possible to obtain a household account management support method that enables a user to appropriately and easily set and support a budget amount corresponding to an expenditure item. .

Further, according to the present invention, it is possible to obtain a household account management support method capable of easily preparing household advice in addition to setting a budget amount corresponding to an expenditure item.

[Brief description of drawings]

FIG. 1 is a diagram showing a functional configuration on a server of a financial institution in which a household account management support method according to the present invention is implemented.

FIG. 2 is a diagram showing a system configuration including a server for an ATM system.

FIG. 3 is a diagram showing an example of an account system according to the present invention.

FIG. 4 is a diagram showing a procedure for setting a budget while a user receives support for setting a budget amount.

FIG. 5 is a diagram showing a processing flow of budget bill calculation processing.

FIG. 6 is a diagram showing a processing flow of household advice creation processing.

FIG. 7 is a diagram showing a screen display example of household advice.

FIG. 8 is a diagram showing an example of screen display following FIG. 7.

[Explanation of symbols]

403 ... Budget setting support screen, 404 ... Real account, 405-
409 ... Virtual account.

Claims (4)

[Claims] 1. A household account management support method in which account information and transaction details can be input from the outside on a server of a financial institution so that the user's household account management is supported. A real account as one household account,
In the case where one or more spending item-corresponding virtual accounts for the real account are set and managed, consistency between the total sum of the disbursed budget amounts of the respective virtual accounts and the disbursed total budget amount of all the real accounts is ensured. , A household account management support method in which setting support for the withdrawal budget amount of each virtual account and the total withdrawal budget amount for the entire real account is performed. 2. When the transaction record of the user at the financial institution is sufficient, the recommended budget amount unique to the user is calculated from the transaction record, and the withdrawal budget amount of each virtual account and the real account are also calculated. The household account management support method according to claim 1, wherein the setting support with the total amount of the total budget for withdrawal is performed. 3. When the user's transaction record at the financial institution is not sufficient, statistical data including a national life white paper is used,
The household account management according to claim 1, wherein the recommended budget amount of a general household is calculated, and the setting of the withdrawal budget amount of each virtual account and the total withdrawal budget amount of the entire real account is performed. How to help. 4. Household advice including a revised budget plan, a living improvement plan and a surplus operating method by analyzing the set budget amount and the actual result together with the setting support according to any one of claims 1 to 3. A method for supporting the management of household accounts.