JP2012064083A - Automatic saving system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic saving system that enables consumers to save money spontaneously in preparation for life after retirement and to keep on saving for long time without feeling the burden of saving.SOLUTION: An automatic saving system consists of a system in which a customer and a credit card company or the like are linked to each other through a communication line such as an Internet line. In the system, the card company withdraws, from the customer's bank account, the amount of money for the payment made by the customer using the credit card adding the extra amount of money previously set by the customer through an information terminal such as a customer's personal computer. Then the company also automatically transfers the extra amount of money to another saving account of the customer.

Description

  The present invention automatically converts point data having the same value as a predetermined proportion of cash or cash in these product prices into a consumer-designated savings account or point data file, etc., when a consumer purchases or services a product. It relates to an automatic saving system that can be stored in.

  2. Description of the Related Art Conventionally, consumers purchase entertainment, hobbies, and luxury items such as clothing, food, and daily necessities that are related to daily life.

  Many of these people pay for goods purchased by credit card payments such as banks and credit sales companies.

  In addition to purchasing products, consumers also make savings, such as bank deposits and funding in securities companies, in order to prepare for homes and automobiles and for life after retirement.

  However, there is a risk that savings will be interrupted and will not continue due to the domestic economic situation where the future is unclear, so consumers need to make their actions on consumption and savings more severe, especially for retirement life. It is growing.

JP 2003-132224 A (pages 1 to 5, FIGS. 1 to 3)

  It is an object of the present invention to provide an automatic saving system that allows a consumer to naturally save for retirement life and can continue for a long time without feeling burdened on saving. There is.

  In order to solve the above-described problem, an automatic saving system according to the present invention is configured such that a customer and a company are connected to each other via a communication line, and the customer or the company that the customer recognizes is stored in cash or from the saving means of the customer. When withdrawing stored goods such as points that have the same value as cash, the customer can add the discount increment set in advance from the information terminal and withdraw it, and the stored goods corresponding to the discount increment can be automatically sent to the second saving means of the customer The configuration is as follows.

  Further, the percent increment is calculated in correspondence with each stored asset to be withdrawn from the saving means.

  In addition, the second saving means is configured so that the money stored in the second saving means can be automatically sent as an asset management asset to a company approved by the customer.

  The first form in the automatic saving system of the present invention is a card company in which the company handles credit cards, and when the card company withdraws the deposit for the price paid by the credit card from the customer deposit account of the financial institution, It is assumed that the customer adds in advance a preset increment set from the information terminal in advance, and automatically sends money equivalent to the percent increment to the customer's second deposit account.

  The second form of the automatic saving system of the present invention is a financial institution having a customer's deposit account where the company handles credit cards, and the financial institution saves the deposit for the price paid by the credit card from the customer's deposit account. At the time of withdrawal, the customer adds the percent increment set in advance from the information terminal and withdraws it, and automatically sends the money corresponding to the percent increment to the customer's second deposit account.

  In a third form of the automatic saving system of the present invention, the company is a financial institution having a customer's deposit account, and when the financial institution withdraws the deposit for the price from the customer's deposit account by an automatic withdrawal contract, It is assumed that the customer adds the discount increment set from the information terminal and withdraws it, and automatically sends the money corresponding to the discount increment to the customer's second deposit account.

  A fourth form of the automatic saving system of the present invention is a financial institution in which the company has a customer's deposit account, and when the customer withdraws the deposit from the deposit account, the customer previously sets a discount increment from the information terminal The amount of money corresponding to the increment is automatically sent to the customer's second deposit account.

According to the automatic saving system according to the present invention, when the consumer pays for the goods, the saving can be performed at the same time, and the saving ratio with respect to the payment amount can be set by the consumer himself, so that the saving corresponding to the consumption amount Can be carried out without difficulty and can continue for a long time.
That is, the consumer can automatically perform a corresponding saving by performing consumption behavior according to his / her own income.

  And if many consumers use the automatic saving system of the present invention, autonomous economic behavior will be promoted, and the effect of suppressing the sudden deceleration caused by overheating of the domestic economy and this reaction can be expected. .

  In addition, the automatic saving system of the present invention can handle not only payment by card but also automatic payment from a bank account or payment by cash when paying for the purchased goods if the bank has a bank account. It can be used easily by many consumers.

1 is a system structure diagram showing a first form of an automatic saving system according to the present invention. The system structure figure which shows the 2nd form in an automatic saving system. The system structure figure which shows the 3rd form in an automatic saving system. The system structure figure which shows the 4th form in an automatic saving system.

  Hereinafter, an automatic saving system according to the present invention will be described with reference to the accompanying drawings.

  FIG. 1 is a first form of an automatic saving system and shows a system structure when a credit card company operates. A consumer first makes a predetermined contract with a credit card company when using the system. Get a credit card.

  Next, when a consumer purchases a product with a credit card from an information terminal, for example, a personally owned personal computer, the amount of the additional money (saving rate) to be saved for this payment amount To the host computer in the automatic saving system (reference sign in the figure: (A)).

  As the information terminal, a fixed / mobile phone, a facsimile machine, an electronic notebook, a portable game machine, etc. can be used as long as it is a terminal device that can send and receive predetermined information through an appropriate communication line. An automatic teller machine installed in a facility such as a bank or other dedicated terminal may be provided and used, and as a communication line, in addition to the Internet line, a general telephone line or a predetermined dedicated communication line, etc. Can also be used.

  Thereafter, the consumer can use the automatic saving system, and at the same time, when paying for the goods purchased with the credit card, the consumer can save a predetermined amount.

Hereinafter, an example of the flow of automatic saving by the automatic saving system of the present invention will be described.
In FIG. 1, when a consumer purchases a product using a credit card, a payment request is made to the credit card company from the store where the product is sold (reference in the figure: (A)).

  Then, the credit card company identifies the consumer who used the credit card, and withdraws the total amount of the sum of the price of the product and the surcharge to be saved based on this price from the consumer's savings account ( Symbol in the figure: (c).

  Next, the credit card company pays the merchandise for the merchandise out of the total sum of the price of the merchandise withdrawn from the consumer's deposit account and the surcharge calculated based on this price (in the figure) Sign: (D)).

  In addition, the credit card company uses the amount of the product withdrawn from the consumer's deposit account and the total amount of the additional amount to be saved to the savings calculated based on this amount. Transfer money to the savings account (symbol in the figure: (e)).

  In addition, money stored in a dedicated savings account may be managed by an investment company according to a consumer's voluntary contract.

  FIG. 2 shows a second form of an automatic saving system, which shows a system structure when a bank or the like is operated. A consumer first makes a predetermined contract with a bank when using the system, and then uses a credit card. Get

  Next, when a consumer purchases a product with his / her credit card from his / her personal computer, the host computer in the automatic savings system uses the Internet line to indicate the ratio of the additional amount (saving rate) to be used for saving against this payment amount. (Symbol in the figure: (A)).

  Thereafter, the consumer can use the automatic saving system, and at the same time, when paying for the goods purchased with the credit card, the consumer can save a predetermined amount.

  The flow of automatic saving by the system configured as described above is as follows.

  In FIG. 2, when a consumer purchases a product using a credit card, a payment request is made to the bank from the store where the product is sold (reference in the figure: (A)).

  Then, the bank identifies the consumer using the credit card, and out of the total amount of the sum of the price of the product and the surcharge calculated based on this price, the price of the product is taken from the consumer's deposit account. Withdraw and pay to the store (symbol in the figure: (c)).

  In addition, the bank withdraws from the consumer's savings account the sum of the total price of the product and the surcharge calculated for savings from the consumer's savings account and puts it into the consumer's dedicated savings account. Remit money (symbol in the figure: (D)).

  In addition, money stored in a dedicated savings account may be managed by an investment company according to a consumer's voluntary contract.

  FIG. 3 shows a third form of the automatic saving system, which shows a system structure in the case of paying, for example, a mortgage by automatic withdrawal from the same deposit account of a bank where a consumer's deposit account is located. A predetermined contract is made with a payee when using the system.

  Next, the ratio of the additional money (saving rate) for the consumer to turn to savings from his / her personal computer is set to the host computer in the automatic saving system via the Internet line (symbol in the figure: ( A)).

  Thereafter, the consumer can use the automatic saving system, and can save a predetermined amount at the same time when paying, for example, a mortgage or the like by automatic withdrawal from the deposit account.

  The flow of automatic saving by the system configured as described above is as follows.

  In FIG. 3, for example, when the payment date of a mortgage is reached, the same price is paid to the payee by automatic debit from the bank's same bank account (symbol in the figure: (A)).

  Next, the amount paid by automatic debiting is recorded in the book (reference sign in the figure: (c)).

  Also, the bank withdraws the surcharge calculated for savings based on the paid money from the consumer's savings account and transfers it to the consumer's dedicated savings account (symbol in the figure: (D)).

  In addition, money stored in a dedicated savings account may be managed by an investment company according to a consumer's voluntary contract.

  FIG. 4 is a fourth form of the automatic saving system, and shows a system structure in the case of purchasing goods using the cash drawn from the bank's same bank account where the consumer's bank account is located, for example, as one month's living expenses. The consumer first makes a predetermined contract with the bank when using the system.

  Next, the percentage of the additional money (saving rate) for the consumer to turn to saving for the amount withdrawn from the savings account from his / her personal computer is set in the host computer in the automatic saving system via the Internet line (in the figure) (A)).

  Thereafter, the consumer can use the automatic saving system, and can save a predetermined amount at the same time when withdrawing cash, which is one month's living expenses, from the deposit account.

  The flow of automatic saving by the system configured as described above is as follows.

  In FIG. 4, for example, cash, which is a monthly living expense, is withdrawn from the same bank account where the bank account of the consumer is located (sign in the figure: (A)).

  Then, the bank withdraws the surplus money to be saved to the savings calculated based on the withdrawn cash from the consumer's deposit account and transfers it to the consumer's dedicated savings account (symbol in the figure: (c)).

  In addition, money stored in a dedicated savings account may be managed by an investment company according to a consumer's voluntary contract.

  The credit card shown in the embodiment has a system structure adapted to a credit company, a bank or other financial institution system, but is suitable for a mass retailer point card, a department store or supermarket card such as a department store. In some cases, the system structure is used, or the system structure is adapted to all these cards.

  And, using the automatic saving system of the present invention, the percentage of savings (saving rate) for turning to savings based on the average expenditure of Japanese by age is set to 5%, and automatic savings from 20 to 60 years old Can save about 63,000,000 yen.

  It is also possible to increase the savings by using part or all of the savings as asset management funds.

Claims (7)

  When a customer or company is connected to each other via a communication line and the customer or the company recognized by the customer withdraws stored goods such as cash or points having the same value as cash from the saving means of the customer, the customer An automatic saving system configured to add and withdraw a percent increment set from an information terminal, and automatically send a stored value corresponding to the percent increment to the second saving means of the customer.   2. The automatic saving system according to claim 1, wherein the percent increment is calculated corresponding to each of the goods to be drawn out from the saving means.   2. The automatic saving system according to claim 1, wherein the second saving means is configured so that the stored goods can be automatically sent to a company approved by a customer as an asset management asset.   The company is a credit card company that handles credit cards, and when the same credit card company withdraws the amount of money paid by the credit card from the customer deposit account of the financial institution, the customer adds a pre-set increment set in advance from the information terminal The automatic saving system according to claim 1, wherein money is withdrawn and automatically sent to the second deposit account of the customer for an amount equivalent to the percent increment.   The company is a financial institution with a customer's deposit account that handles credit cards, and when the financial institution withdraws the deposit for the price paid by credit card from the customer's deposit account, the customer set in advance from the information terminal 2. The automatic saving system according to claim 1, wherein a percent increment is added and withdrawn, and money corresponding to the percent increment is automatically sent to the second deposit account of the customer.   The company is a financial institution with a customer's deposit account, and when the financial institution withdraws the deposit for the price from the customer's deposit account through an automatic debit contract, the customer adds a discount increment set in advance from the information terminal. The automatic saving system according to claim 1, wherein the amount of money equivalent to the percent increment is automatically sent to the second deposit account of the customer.   The company is a financial institution with a customer's deposit account, and when the customer withdraws the deposit from this deposit account, the customer adds and withdraws the percent increment set in advance by the customer from the information terminal, and corresponds to the percent increment The automatic saving system according to claim 1, wherein the amount of money is automatically sent to the second deposit account of the customer.

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