JP2004021313A - Cost management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a cost management system for allowing a customer to improve income and expenditure of household economy, and allowing a financial institution to increase the number of accounts to be opened by utilizing account information. <P>SOLUTION: A service provider 30 analyzes data by acquiring account history data possessed by the financial institution 20, and informs a customer 10 of information on an improvement in the income and expenditure of the household economy via a network 40. The customer 10 displays the information on the improvement in the income and expenditure of the household economy on a browser of a terminal, and performs various improvements for improving the income and expenditure as a help for improving actual income and expenditure. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to an expense management system that monitors deposits and withdrawals of a bank account and detects and prevents abnormal expenditure.
[0002]
[Prior art]
At present, among the various fees paid by households, there are not a few fees that are debited (automatically debited) through accounts opened at financial institutions. Such charges include, for example, public charges (electricity charges, city gas charges, telephone charges, public water charges), and other charges based on private contracts (provider contract charges, LP gas charges, rental apartments / rentals, loans). and so on.
[0003]
Such public utilities and private contracts that are automatically deducted by fund transfer (hereinafter simply referred to as fees) are not paid directly from the wallet at hand, so they often pay no special attention. Due to such circumstances, even if the fee increases or decreases, it tends to be hard to notice.
[0004]
In particular, electricity rates, city gas rates, telephone rates, public water rates, LP gas rates, etc., for which rates increase in proportion to usage, increase without notice, and these rates degrade household income and expenditure. Often there.
Nevertheless, electricity, telephone, water, LP gas, etc. are used by themselves, and the receipt is notified, etc., and it is possible to improve the balance of households by suppressing the use.
[0005]
However, if a special cause, for example, a water pipe laid in a house or building cracks and leaks water, and the water rate rises unusually high, the rate will increase because it does not involve its own use. It is difficult. Moreover, since the amount of water leakage is not so large, it is hardly noticed when the water charge slightly increases.
Due to such circumstances, there has been a problem that unnecessary expenditure is increased due to delay in discovery, which puts pressure on households.
[0006]
In addition, even if the account balance is checked regularly with normal attention, the account deposit / withdrawal timing (monthly, bimonthly, quarterly, etc.) differs from item to item. However, since the account balance fluctuates while increasing and decreasing, even within the same month, the balance varies greatly depending on the date and time of the check, and it is difficult to understand what the account balance behavior actually means. There was also.
[0007]
Therefore, focusing on the fact that these fees are paid by the account transfer of the financial institution, a method of analyzing the account deposit / withdrawal information to improve the household income and expenditure can be considered.
As a prior art relating to processing of account information of a bank account, for example, there is an invention published as an application in Japanese Patent Application Laid-Open No. 2000-132614 (Title of Invention: "Automatic Transaction System").
In this automatic transaction system, it is possible to display the deposit and withdrawal of a bank account as household account information. However, it does not merely disclose household account information, and does not improve household income and expenditure by actively utilizing the account deposit and withdrawal history information.
[0008]
In addition, the prior art of trying to improve the household balance by analyzing past electricity rates (Ueda, Does the electricity cost of a personal computer at home cost 4,000 yen per month, Data Mining Casebook, pp87-92, Kyoritsu Shuppan, 1998 )) Are also disclosed.
In this prior art, an electricity bill is predicted using a spreadsheet program.
However, this does not utilize the deposit / withdrawal information of the account of the financial institution, but rather examines the history of the bankbook or the like while inputting it into spreadsheet software, and has the problem that it takes time for the customer.
Thus, in spite of the existence of the above two prior arts, there has been no one that improves the household balance by utilizing the history information relating to the deposit and withdrawal of an account.
[0009]
As other measures for improving the household income and expenditure, there are various reduction and exemption policies and discount benefits. For example, in the case of water rates, there are systems (information) that help save costs, such as a discount system for apartment houses. However, it is often the case that customers are unaware that government agencies and water utilities do not actively notify. Since there is no opportunity to utilize the system for improving the household balance, there has been a problem that the household balance cannot be improved.
[0010]
[Problems to be solved by the invention]
Therefore, the present invention has been made to solve the above-described problems. The purpose of the present invention is to utilize account information so that customers can improve the balance of households, etc. An object of the present invention is to provide an expense management service for realizing an increase in the number of establishments, and to provide an advantageous expense management system to both customers and financial institutions.
[0011]
[Means for Solving the Problems]
In order to solve the above problem, according to the expense management system according to claim 1,
A service providing system on the service provider side, a customer account management system on the financial institution side, and a terminal on the customer side each connected via a network, and an expense management system for providing an expense management service to the customer,
The service providing system is
Account history data acquisition means for acquiring account history data relating to past deposits / withdrawals of a customer's account from a customer account management system,
A variable factor data acquiring means for acquiring variable factor data relating to a factor of past cost increase / decrease,
Based on the account history data and the fluctuation factor data, an appropriate cost estimation model creating means for creating an appropriate cost estimation model for estimating an appropriate cost,
Nearest data acquisition means for acquiring, from the customer account management system, nearest account history data relating to the latest deposit and withdrawal of the customer's account, and nearest variation factor data relating to the factor of the latest cost increase and decrease,
Estimating means for estimating the nearest appropriate cost using the appropriate cost estimation model;
Expense calculation means for calculating actual expenses from the close account history data,
Detecting means for detecting an abnormality by comparing the estimated appropriate cost with the actual cost;
Transmitting means for transmitting the abnormality to the customer terminal;
It is characterized by having.
[0012]
According to the expense management system of the second aspect,
The service providing system on the service provider side is directly connected to the customer account management system on the financial institution side, and the service providing system on the service provider side and the terminal on the customer side are connected via a network. An expense management system that provides an expense management service
The service providing system is
Account history data acquisition means for acquiring account history data relating to past deposits / withdrawals of a customer's account from a customer account management system,
A variable factor data acquiring means for acquiring variable factor data relating to a factor of past cost increase / decrease,
Based on the account history data and the fluctuation factor data, an appropriate cost estimation model creating means for creating an appropriate cost estimation model for estimating an appropriate cost,
Nearest data acquisition means for acquiring, from the customer account management system, nearest account history data relating to the latest deposit and withdrawal of the customer's account, and nearest variation factor data relating to the factor of the latest cost increase and decrease,
Estimating means for estimating the nearest appropriate cost using the appropriate cost estimation model;
Expense calculation means for calculating actual expenses from the close account history data,
Detecting means for detecting an abnormality by comparing the estimated appropriate cost with the actual cost;
Transmitting means for transmitting the abnormality to the customer terminal;
It is characterized by having.
[0013]
According to the expense management system of the third aspect,
In the expense management system according to claim 1 or 2,
The service provider is characterized by estimating the amount of cost savings by the customer whose abnormality has been reported and collecting a certain percentage thereof.
[0014]
BEST MODE FOR CARRYING OUT THE INVENTION
First, a business model that is the basis of the present invention will be described.
This business model is the provision of expense management services.
A service provider that provides this expense management service (hereinafter simply referred to as a service provider) mediates between the customer and the financial institution.
The service provider manages the balance of the household and the like of the customer who has opened a bank account with the financial institution by acquiring account history data from the customer account management system of the financial institution.
[0015]
The advantage of financial institutions receiving the expense management service is that customers who want to use such services open new accounts and increase the number of accounts, and account transfers are expected to increase and transfer fees are expected to increase. is there.
An advantage of the customer receiving the expense management service is that the balance of the household and the like can be improved.
The advantage of the service provider providing such an expense management service is that the service provider can receive a service provision fee from a financial institution, and if the balance is improved, a certain percentage of the improved amount can be collected from the customer and the profit can be obtained. It is in.
[0016]
Next, an expense management system according to a first embodiment of the present invention, which is implemented to realize such a business model, will be described with reference to the drawings. FIG. 1 is a system diagram of an expense management system according to the present embodiment, and FIG. 2 is an explanatory diagram illustrating a system of a financial institution / service provider.
In the expense management system according to the present embodiment shown in FIG. 1, a customer 10, a financial institution 20, and a service provider 30 are connected via a network 40.
[0017]
The customer 10 is a natural person / corporation having an address and residence in an apartment house 11, a detached house 12, a facility 13, and the like.
The apartment house 11 is, for example, a single dormitory, an apartment, an apartment, or the like.
The detached house 12 is a single house such as a one-family house or a two-family house.
The facilities 13 are companies, factories, stores, schools, warehouses, large-scale mass retailers, and the like.
[0018]
The financial institutions 20 are, for example, ordinary banks, post offices, shinkin banks, credit unions, labor unions, agricultural cooperatives, fishing cooperatives, and the like.
The service provider 30 is a business operator that conducts business for providing the expense management service, and provides an expense management service by making a contract with the customer 10 and the financial institution 20.
[0019]
The customer 10 is connected to the network 40 by various terminals.
The various terminals are personal computers or mobile terminals.
The personal computer is, for example, a laptop personal computer, a desktop personal computer, a notebook personal computer, or the like.
The mobile terminal is, for example, a mobile phone having a transmission / reception function of character data or image data, a mobile information terminal such as a PDA (Personal Digital Assistant), or the like.
[0020]
As shown in FIG. 2A, the financial institution 20 includes a bank account management computer 20a and a database 20b.
The bank account management computer 20a is connected to the network 40 and configured to transmit and receive data.
The database 20b is specifically a customer account management database built on a large-capacity hard disk built in the bank account management computer 20a.
[0021]
The bank account management computer 20a may be used as a main server, and the database 20b may be used as a database server. For example, a client server system operated on a network such as a LAN (Local Area Network) may be used. These system configurations are appropriately designed and selected.
Such a bank account management computer 20a and the database 20b constitute a customer account management system, and store account history data relating to deposit / withdrawal of an account in which the customer 10 is the account holder in the database 20b. Have been made to manage.
[0022]
As shown in FIG. 2B, the service provider 30 includes a service providing computer 30a and a database 30b.
The service providing computer 30a is connected to the network 40, and is configured to transmit and receive data. A service providing system is configured by the service providing computer 30a and the database 30b. The service providing system is disposed in the offices and facilities of the service provider 30, and provides various services related to expense management.
[0023]
The network 40 includes equipment such as a telecommunication line such as a public line and a dedicated line, and a switch.
The telecommunications line is an Internet network including a packet switching network, ISDN (Integrated Services Digital Network), or an analog network. In the case of a packet switching network, a DSU (Digital Service Unit) is used as a transmission device (not shown). In the case of ISDN, a DSU or TA (Terminal Adapter) is connected as a transmission device, and in the case of an analog network, a modem is connected as a transmission device. In some cases, a gateway device or the like is required for protocol conversion.
[0024]
Further, a large-capacity communication line such as an optical fiber such as CATV, xDSL, or FTTH may be interposed, or a LAN or a wireless LAN may be interposed.
Furthermore, as a network other than the telecommunication line, a technology has been developed in which a power line is embedded in a telecommunication line by superimposing a telecommunication signal on a power signal. By interposing a device that performs separation, modulation, and demodulation, the device can be used as a network.
The implementation of the present invention is possible with any of these networks 40.
[0025]
Subsequently, service provision by the expense management system of the present embodiment will be described.
First, the service provider 30 contracts with the financial institution 20 that wants to receive the expense management service.
Subsequently, the service provider 30 and the financial institution 20 publicize the expense management service to the customer and make a contract with the customer 10 who wants to provide the service for providing the expense management service. In this case, the contract includes an ordinary written contract, a contract via a network, and a contract by telephone / fax.
[0026]
In addition, customers who have already opened an account with a financial institution will contract to provide additional services, and customers who newly open an account with a financial institution will have to choose whether to provide expense management services. Become.
At the time of such a contract, the customer 10 determines the password and notifies the service provider 30, and the service provider 30 assigns an ID number to the customer. The customer 10 acquires the password and the customer ID.
[0027]
Subsequently, the service provider 30 creates an appropriate cost estimation model used for monthly analysis in advance. Next, creation of the appropriate cost estimation model will be described with reference to a processing flow.
[0028]
FIG. 3 is a flowchart illustrating the creation of an appropriate cost estimation model in the expense management service.
Step S1 is an account history data acquisition step. Acquire account history data relating to past deposits and withdrawals of a customer's account from the customer account management system.
[0029]
Specifically, the service providing computer 30a accesses the bank account management computer 20a via the network 40, and stores the withdrawal history from the account of a certain customer 10 and the account history data relating to the history of deposit into the account. Order to get it. The bank account management computer 20a accesses the database 20b, reads out the corresponding account history data, and transmits the account history data to the service providing computer 30a ((1) in FIG. 1). The service providing computer 30a acquires, for example, account history data for the past several years and stores the acquired account history data in the database 30b.
[0030]
The account history data includes the date of deposit / withdrawal, summary, amount, transfer destination account number, and the like.
Among the abstracts, the withdrawal items cover a wide variety of items such as utility charges, common expenses, insurance premiums, membership fees, fees, and school fees. Although the debit date and period are not fixed, it is possible to determine that the transfer is to a power company, for example, based on the account number of the transfer destination, and the necessary withdrawal items can be easily grasped.
The payment items in the summary are, for example, salary and dividend.
[0031]
Step S2 is a fluctuation factor data acquisition step. Acquires change factor data related to the past increase / decrease factors.
Specifically, the variation factor data is family structure data, water leakage history data, power failure history data, equipment data, weather data, and social situation data.
These data are classified into two types according to the acquisition path.
[0032]
First, there is data acquired from the customer 10 as a first route.
At the time of contract, the customer provides family data, water leak history data, power outage history data, and equipment data.
The family data is data relating to the family structure of the customer who is the account holder and the lifestyle of each family member. By using this family data, it is possible to determine a prediction of a reasonable amount of money, for example, such that if the number of family members is large, the electricity charge or the like will increase. In the case of a corporation, the data is employee data.
[0033]
As for the water leak history data, an aging water pipe having a water leak in the past may cause a water leak again, and is monitored with priority.
It is clear from the power failure history data that the amount of electricity used tends to be excessive.
The used equipment data is, for example, because the electricity rate is different in the case where the heating equipment is a gas stove / oil stove and in the case where the air conditioner / oil heater is used, because the used equipment has an influence on the size of the cost. .
The service provider 30 acquires these data from the customer 10 in advance, and operates the service providing computer 30a to store the data in the database 30b.
[0034]
Further, there is data obtained from an information providing company or the like as a second route. These are weather data and social situation data.
Weather data is a variable factor because changes in temperature, humidity, etc. affect changes in electricity rates, water rates, etc.
Social situation data is a variable factor because fluctuations in crude oil prices and exchange rates affect electricity rates, gas rates, and the like.
The service provider 30 acquires such data in advance from an information provider or the like, and operates the service providing computer 30a to store the data in the database 30b.
[0035]
As described above, the database 30b stores past account history data (acquired from the financial institution 20), family composition data, water leakage history data, power outage history data, equipment data (acquired from the customer 10), weather data, social situation data (information (Obtained from provider companies) has been completed.
[0036]
Step S3 is a step of creating an appropriate cost estimation model for estimating appropriate costs based on account history data and fluctuation factor data.
FIG. 4 is an explanatory diagram of the appropriate cost estimation model.
The appropriate cost estimation model is a model that uses a large number of input values and a large number of output values to estimate the relationship between the input value and the output value, and includes, for example, a statistical model, a multivariate analysis model, Neuromodel, fuzzy rule model, etc.
As shown in FIG. 4, the input values are data relating to equipment used, such as account history, family composition, weather and social conditions, water leakage history, power outage history, and the like, and output values are expenses (water and electricity bills).・ Heavy oil charges, telephone charges, etc.).
[0037]
Based on the deposit and withdrawal amount for each item stored in the database 30b, the balance is calculated for each balance unit period (for example, month). The validity of the income and expenditure, the actual status of the transition of the balance (a tendency of a large change absorbing variations due to differences in the timing and cycle of deposits and withdrawals), and the like are analyzed and determined.
This appropriate cost estimation model also outputs an appropriate range of costs over a certain section.
[0038]
An example of such an appropriate cost estimation model will be described with reference to the drawings. FIG. 5 and FIG. 6 are explanatory diagrams for explaining the estimation of the appropriate cost of the fuel oil cost.
It is assumed that, as a history of the past three years (1999 to 2001), the fuel oil cost of an apartment house has changed as shown in FIG. Then, it is expected that this trend will be followed in 2002. Therefore, the range as shown in FIG. 6 is estimated as the appropriate range as the appropriate cost range. This range is modeled in consideration of characteristic factor data such as the number of residents of the apartment house 11 and temperature data.
[0039]
The appropriate range is a range determined by a dashed line in FIG. 6, and the upper limit of the appropriate range is an upper limit at a position that is a predetermined distance above the top of the plot of each year.
The lower limit is the lower limit at a position that is a predetermined distance below the bottom of the plot for each year.
The appropriate range shown in FIG. 6 is a specific example. For example, while the upper limit is set so that even if it rises a little from the past heavy oil cost, it deviates from the appropriate cost, it falls significantly below the past heavy oil cost. Even so, the lower limit is set so that it falls within the appropriate range (if the fuel oil cost is saved, the household income and expenditure is improved and the appropriate range is reached).
[0040]
Further, as another example of the appropriate range, in the “confidence interval” statistically calculated from the past data, values several times the standard deviation of the variation may be determined as the upper limit and the lower limit.
Further, as another example of the appropriate range, for example, the concept of “dead zone” used in process control alarm processing or the like, that is, it is determined from the behavior of the heavy oil cost shown in FIG. The upper and lower limits of being impossible may be set as upper and lower limits, respectively.
Further, as another example of the appropriate range, the upper limit value and the lower limit value may be determined by combining a statistical method with the concept of a dead zone.
With these appropriate cost estimation models, it is possible to estimate how much expense is appropriate in a given month.
[0041]
Thus, the appropriate cost estimation model was calculated in steps S1 to S3.
The acquisition of the account history data and the fluctuation factor data is performed every month, and the appropriate cost estimation model is updated with the latest data.
[0042]
Next, after the service is started, the account analysis for the month on the predetermined date is performed.
Here, the predetermined date is realized by, for example, performing at the end of the month of the month, the first day of the month following the month, and the like. When to perform the analysis is appropriately selected according to the actual situation.
This analysis will be described. FIG. 7 is a flowchart illustrating the analysis of the expense management service.
[0043]
First, a current month data acquisition step of step S11 is executed. From the customer account management system, this month's account history data relating to deposits / withdrawals of the customer's account for the current month, and current month fluctuation factor data relating to the factor of increase / decrease of expenses in the current month are acquired.
Here, in order to embody the description in the present embodiment, it is assumed that an appropriate expense estimation model has been created using the account history data up to August 2002, and the account history data for September is used as the account history data for the current month. No, and let the variation factor data for September be the variation factor data for the current month.
It should be noted that the analysis may be performed not only on a monthly basis but also on a weekly or bi-weekly basis, but these may be those representing the past that is closest to the day of the analysis. In the present embodiment, description will be made assuming that processing is performed on a monthly basis.
[0044]
Subsequently, an estimation step of step S12 is executed. Estimate the appropriate expenses for the current month using the appropriate cost estimation model.
For example, in the case of September of the appropriate cost estimation model shown in FIG. 6, the upper and lower limit values for September in the confidence interval can be easily calculated.
[0045]
Subsequently, an expense calculation step of step S13 is executed. Calculate actual expenses from account history data for the current month. This can be easily determined from the transfer destination, payment date, and the like.
Subsequently, a detection step of step S14 is performed. An abnormality is detected by comparing the estimated appropriate cost with the actual cost. For example, as shown in FIG. 8, when the heavy oil cost in September 2002 exceeds the upper limit of the appropriate range, an abnormality is detected.
Even if it does not exceed the appropriate range, if it is predicted that it will exceed in the near future, it will be detected.
[0046]
Subsequently, a transmission step of step S15 is executed. The abnormality is transmitted to the terminal of the customer 10. For example, when the customer 10 has a personal computer, the customer 10 inputs an ID number and a password, logs in, and accesses the service providing computer 30a of the service provider 30. Then, the service providing computer 30a transmits, for example, HTML data (for example, Compact HTML (compact HTML) data which is a language for mobile phones if the destination terminal is a mobile phone) that can be browsed by a browser of the computer. (See (2) and (3) in FIG. 1). The customer 10 operates the browser to display a browser screen as shown in FIG. 9 (pull-type information transmission).
Further, as the push-type information transmission, it is conceivable to immediately transmit the abnormality to the registered mail address of the customer 10.
The above-mentioned data is in various data formats other than HTML data (extensible markup language (XML) data, XHTML (extensible HyperText Markup Language) data, and DHTML (Dynamic HyperLapge data). These data formats are appropriately selected according to actual conditions.
[0047]
The customer 10 can check the browser screen as shown in FIG. 9 and investigate the cause. Examples of causes are listed on the browser screen. For example, in the case of heavy oil cost, the cause is exemplified by incomplete combustion due to accumulation of soot in the combustion section. The customer 10 can cope with the situation by receiving advice on a candidate of a cause assumed to be abnormal.
Although not shown, if there is a place where saving can be made even if there is no abnormality, advice is given on saving. The transition of the balance after the case where the advice is followed and the case where the advice is not followed may be predicted to be used as a judgment material of the user.
[0048]
The expense management service also provides various other services.
For example, a prediction model for predicting a future value of the cost is created as an input / output model, a predicted value (October 2002 indicated by a broken line in FIG. 8) is obtained, and the appropriate range determined by the appropriate cost model is determined. In comparison with the above, it may be possible to promote the suppression of heavy oil and the like in the future.
[0049]
Further, using the Internet or the like, a search is made for a saving program that can be used for each user. The saving program is, for example, various electricity rate discount systems, such as a one-year prepayment discount, a reduction and exemption system, and a special case for an apartment house. If no burden or action is required on the part of the user, the service provider notifies the user that this saving program has been implemented and implemented, and if no burden or action is required on the part of the user, use it. And inform the user that such a savings program exists and advise them to implement it. In this way, the household balance is further improved.
[0050]
By providing the above service, the amount saved by the customer 10 is estimated, and the service provider 30 collects a certain percentage as a service fee. For estimation of savings, calculate (estimate) the change in balance when this service is not used from a certain point in the past by statistical analysis, multivariate analysis, experimental design method, neural network, etc., and compare this with the actual result Then, the savings are calculated (estimated), but it is assumed that the user can be satisfied.
[0051]
According to the expense management service as described above, according to the present embodiment, the analysis, judgment, prediction, advice, information provision, execution of the saving program, calculation of the saving amount, and presentation of the income and expenditure are performed periodically, thereby wasting wasteful living expenses. This has the effect that users can be satisfied and service providers can get usage fees at the same time.
[0052]
Subsequently, a second embodiment of the present invention will be described. In the first embodiment, account history data, which is customer information, is transmitted via the network 40, but this is not preferable from the viewpoint of keeping confidential customer information. Therefore, in the second embodiment, account history data is transmitted without passing through the network 40. Hereinafter, the present embodiment will be described with reference to the drawings.
FIG. 10 is a system diagram of the expense management system according to the present embodiment, and FIG. 11 is an explanatory diagram illustrating a system of a financial institution.
[0053]
In the expense management system according to the present embodiment, as shown in FIG. 10, the financial institution 50 provides an expense management service, and transmission of account history data over the network 40 is avoided.
For example, as shown in FIG. 11, a bank account management computer 50a, a database 50b, a service providing computer 50c, and a database 50d are arranged on the same premises, and furthermore, a bank account management computer 50a and a service providing computer 50c are provided. Is connected so that account history data can be transmitted. For this, a form of connection through a LAN, an intranet, or the like, or a form of being integrated into a large-capacity computer can also be adopted.
[0054]
Note that the other service provision contents are the same as those of the first embodiment, and a description thereof will be omitted. Eventually, the abnormality is notified via the route {circle around (1)} and {circle around (2)} as shown in FIG. 10, and the customer 10 examines the browser screen as shown in FIG. 9 to improve the household balance. be able to.
According to the present embodiment formed as described above, the account history data is not transmitted on the network, and the security can be improved.
[0055]
【The invention's effect】
According to the present invention described above, the account information is utilized to improve the income and expenditure of households and the like for the customer, and for the financial institution, the number of open accounts, the increase in the commission related to the account transfer, and the trouble of the window business are increased. It is possible to provide an expense management service for realizing the reduction of the cost and the like, and to provide a useful expense management system to both financial institutions and customers.
[Brief description of the drawings]
FIG. 1 is a system diagram of an expense management system according to a first embodiment of the present invention.
FIG. 2 is an explanatory diagram illustrating a system of a financial institution / service provider.
FIG. 3 is a flowchart illustrating creation of an appropriate cost estimation model among expense management services.
FIG. 4 is an explanatory diagram of an appropriate cost estimation model.
FIG. 5 is an explanatory diagram illustrating estimation of an appropriate cost for a heavy oil cost.
FIG. 6 is an explanatory diagram illustrating estimation of an appropriate cost for a heavy oil cost.
FIG. 7 is a flowchart illustrating an analysis of the expense management service.
FIG. 8 is an explanatory diagram illustrating abnormality detection.
FIG. 9 is a diagram showing a browser screen for performing abnormality notification.
FIG. 10 is a system diagram of an expense management system according to a second embodiment of the present invention.
FIG. 11 is an explanatory diagram illustrating a system of a financial institution.
[Explanation of symbols]
10 customers
11 apartment house
12 detached house
13 facilities
20 financial institutions
20a Computer for bank account management
20b database
30 Service Provider
30a Service providing computer
30b database
40 Network
50 financial institutions
50a Bank account management computer
50b database
50c Service providing computer
50d database

Claims (3)

A service providing system on the service provider side, a customer account management system on the financial institution side, and a terminal on the customer side each connected via a network, and an expense management system for providing an expense management service to the customer,
The service providing system is
Account history data acquisition means for acquiring account history data relating to past deposits / withdrawals of a customer's account from a customer account management system,
A variable factor data acquiring means for acquiring variable factor data relating to a factor of past cost increase / decrease,
Based on the account history data and the fluctuation factor data, an appropriate cost estimation model creating means for creating an appropriate cost estimation model for estimating an appropriate cost,
Nearest data acquisition means for acquiring, from the customer account management system, nearest account history data relating to the latest deposit and withdrawal of the customer's account, and nearest variation factor data relating to the factor of the latest cost increase and decrease,
Estimating means for estimating the nearest appropriate cost using the appropriate cost estimation model;
Expense calculation means for calculating actual expenses from the close account history data,
Detecting means for detecting an abnormality by comparing the estimated appropriate cost with the actual cost;
Transmitting means for transmitting the abnormality to the customer terminal;
An expense management system comprising: The service providing system on the service provider side is directly connected to the customer account management system on the financial institution side, and the service providing system on the service provider side and the terminal on the customer side are connected via a network. An expense management system that provides an expense management service
The service providing system is
Account history data acquisition means for acquiring account history data relating to past deposits / withdrawals of a customer's account from a customer account management system,
A variable factor data acquiring means for acquiring variable factor data relating to a factor of past cost increase / decrease,
Based on the account history data and the fluctuation factor data, an appropriate cost estimation model creating means for creating an appropriate cost estimation model for estimating an appropriate cost,
Nearest data acquisition means for acquiring, from the customer account management system, nearest account history data relating to the latest deposit and withdrawal of the customer's account, and nearest variation factor data relating to the factor of the latest cost increase and decrease,
Estimating means for estimating the nearest appropriate cost using the appropriate cost estimation model;
Expense calculation means for calculating actual expenses from the close account history data,
Detecting means for detecting an abnormality by comparing the estimated appropriate cost with the actual cost;
Transmitting means for transmitting the abnormality to the customer terminal;
An expense management system comprising: In the expense management system according to claim 1 or 2,
An expense management system in which a service provider estimates a cost savings by a customer who has reported an anomaly and collects a certain percentage thereof.

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