JP2012123489A - Bank account saving system and bank account saving method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system capable of enabling a depositor to automatically save money with the feeling of pin money without being conscious and increasing depositor's desire to save.SOLUTION: A bank account saving system is for withdrawing deposit money from the deposit account of a depositor and automatically saving it. This bank system rounds down the balance of the deposit account at a prescribed digit set beforehand by the depositor every time a money paying/receiving transaction to the deposit account of the depositor is generated, moves a round-down money amount to a specified saving account of the depositor when the round-down money amount is not zero, and subtracts a prescribed ratio set beforehand by the depositor to the balance of the deposit account from the balance of the deposit account and moves the money amount of the prescribed ratio to the specified saving account of the depositor when the round-down money amount is zero. When calculating fractions, the balance after the money paying/receiving transaction of the deposit account and the balance before the paying/receiving transaction of the deposit account are compared, and the one with which the round-down money amount or the money amount of the prescribed ratio becomes larger is selected as the deposit balance to be the base of fractional calculation.

Description

  The present invention relates to a bank account saving system and a bank account saving method, and more particularly to a bank account saving system and a bank account saving method for saving fractions generated in account transactions.

  Conventionally, there has been considered a method of effectively using a fractional amount generated in the trading of financial transactions, products and services (hereinafter referred to as products). For example, Patent Document 1 describes a system that can automatically transfer a fraction of a balance of a prepaid card or electronic money to a bank account and an apparatus used in the system. Further, Patent Document 2 describes a settlement method and a settlement system that can round up a billed amount and transfer the remaining amount obtained by subtracting the billed amount from the rounded-up amount to another account when the account is debited. Yes.

JP 2003-51053 A JP 2003-50916 A

  However, the system and apparatus described in Patent Document 1 are intended to avoid wasting the fractional amount when a fraction remains in the balance of a prepaid card or electronic money. In the system described in, only when there is a fraction in the charge amount of the account withdrawal from the claimant, the fraction of the charge amount is rounded up and deducted from the deposit account of the non-claimer, and the rounded up fraction is stored in another account. Since it moves, there is no funding to move to another account if the billed amount is not a fraction. Therefore, the saving efficiency is not high, and it did not show how to effectively use the account that moved the fraction.

  Therefore, in the present invention, in view of the above-described problems, the depositor automatically saves a fraction of the transaction balance of the bank account, and automatically saves the depositor without being aware of it as if he / she is stubborn. It is an object to provide a savings system and saving method that can be used to increase the willingness of depositors to save money.

In order to solve the above problems, the bank account saving system of the present invention comprises the following solution.
A bank account saving system for automatically withdrawing a deposit from a deposit account of a depositor and saving automatically, and a predetermined transaction set in advance by the depositor each time a deposit / withdrawal transaction occurs with respect to the deposit account of the depositor If the balance of the deposit account is rounded down by digit and the cut amount is not zero, the cut amount is moved to the depositor's designated reserve account, and if the cut amount is zero, the balance of the deposit account A fraction transfer means for subtracting a predetermined ratio set in advance by the depositor as a fraction from the balance of the deposit account and transferring the amount of the predetermined ratio to the reserve account designated by the depositor. It is characterized by.

  According to the above invention, the bank account saving system of the present invention comprises fraction transfer means, and when there is a deposit or withdrawal transaction request to the depositor's account, the fraction transfer means displays the balance of the deposit account. Check if the balance of the deposit account has a fraction less than a predetermined number set in advance by the depositor, or if there is no fraction less than a predetermined digit in the deposit balance, The fraction generated by multiplying the set predetermined ratio is transferred to the funded account designated by the depositor. By doing so, a fraction always occurs in the daily transaction of the deposit account, and the fraction can be stored in the depositor's funded account with a sense of stagnation automatically without the depositor being aware of it.

The bank account saving system may further include the following solution.
The fraction transfer means compares the balance after deposit / withdrawal of the deposit account with the balance before deposit / withdrawal of the deposit account, and selects the amount of the cut-off amount or the amount of the predetermined ratio as the deposit balance. It is characterized by that.

  According to the above invention, the fraction transfer means of the bank account saving system of the present invention compares the balance after deposit / withdrawal transaction of the deposit account with the balance before deposit / withdrawal transaction of the deposit account, Since the larger amount is selected as the deposit balance, the fraction calculated based on the deposit balance is always larger, so that the saving efficiency can be improved.

The bank account saving system may further include the following solution.
The fraction transfer means does not perform the truncation when the balance of the deposit account becomes equal to or less than an amount set in advance by the depositor.

  According to the above invention, the fraction transfer means of the bank account saving system according to the present invention does not perform the fraction transfer process when the depositor's account balance falls below a predetermined amount preset by the depositor. By doing so, it is possible to reduce the risk of the deposit account becoming insufficient due to automatic saving.

The bank account saving system may further include the following solution.
The fund management system further comprises a fund account management unit for managing the fund account, wherein the fund account management unit sets an interest rate of the fund account according to the predetermined digit or the predetermined ratio.

  According to the above invention, the bank account saving system according to the present invention further comprises a funded account management unit, wherein the funded account management unit is responsive to a predetermined digit or a predetermined ratio set by a depositor to generate a fraction. The interest rate of the fund account can be set. By doing so, the more the fraction is set to be saved in the funded account, the higher the interest rate of the funded account, so the depositor's willingness to save money can be increased.

The bank account saving system may further include the following solution.
The funded account management means is characterized in that a dedicated site for notifying the depositor of the status of the funded account is provided, and the depositor provides means for making settings related to the funded account.

  According to the above invention, the funded account management means provides a means for providing a dedicated site for notifying the depositor of the status of the funded account and allowing the depositor to make settings related to the funded account. By doing in this way, the place of provision and setting of information related to the funded account is unified, and it can be used as a base for providing services for increasing various motivation for saving.

The bank account saving system may further include the following solution.
The reserve account management means sets the depositor as a display condition of the reserve amount, 1) when the reserve target amount is reached, 2) when the reserve amount is displayed, and 3) the designated product or service is reserved When the purchase can be made with an amount of money, the reserve amount is displayed when at least one of the conditions is satisfied.

  According to the above invention, the reserve account management means is set by the depositor as the display condition of the reserve amount, 1) when the reserve target amount is reached, 2) when the reserve amount is displayed, and 3) the designated product. Alternatively, when the service can be purchased with the reserve amount, the reserve amount is displayed when at least one of the conditions is satisfied. By doing in this way, it is possible to reduce the possibility that the depositor can make money with respect to the target by reconfirming the target every time the depositor examines the status of the funded account.

The bank account saving system may further include the following solution.
When the depositor pays out from the funded account, the funded account management means permits payment only when a condition set by the depositor is satisfied.

  According to the above invention, when the depositor pays out from the funded account, the funded account management means permits payment only when the condition set by the depositor is satisfied. The set condition is, for example, a case where the accumulated amount reaches a target amount. Alternatively, the deposit deposit may be periodically performed during a period set by the depositor (for example, once a month, once a year, etc.). By limiting the payout in this way, savings will accumulate without the depositor knowing.

The bank account saving system may further include the following solution.
It further comprises a website search means for searching for a website that provides information on products or services that can be purchased with the balance of the funded account.

  According to the above invention, the bank account saving system of the present invention further includes a website search means, and the website search means searches for a site that provides information such as a product that can be purchased with a reserve amount. Since the searched information is added to the information of the reserve account, the depositor can enjoy the increase in the reserve amount by looking at the products that can be purchased, and can further increase the willingness to save.

The above bank account saving system can be regarded as a bank account saving method including the following processing steps, and has the same effect as the above bank account saving system.
A bank account saving method for automatically saving money by withdrawing a deposit from a deposit account of a depositor, the step of detecting that a deposit / withdrawal transaction has occurred with respect to the deposit account of the depositor, and preset by the depositor Truncating the balance of the deposit account with a predetermined digit, and if the cut-off amount is not zero, moving the cut-off amount to a deposit account designated by the depositor; and In this case, a predetermined ratio preset by the depositor with respect to the balance of the deposit account is subtracted from the balance of the deposit account as a fraction, and the amount of the predetermined ratio is moved to the reserve account designated by the depositor And the step of causing.

  According to the present invention, it is possible to automatically save money without the depositor being aware of it, and it is possible to increase the depositor's willingness to save money.

It is a figure showing the outline of bank account savings system 10 concerning the embodiment of the present invention. It is a figure which shows the various setting tables in the setting file 16 which concerns on embodiment of this invention. It is a flowchart which shows the deposit account transaction process which concerns on embodiment of this invention. It is a flowchart which shows the accumulation account management process which concerns on embodiment of this invention. It is a flowchart which shows the accumulation information notification process which concerns on embodiment of this invention. It is a figure which shows an example of the status display screen of the accumulation account which concerns on embodiment of this invention. It is a figure which shows another example of the status display screen of the reserve account which concerns on embodiment of this invention. It is a figure which shows the function block inside the fund account management means 15 which concerns on embodiment of this invention.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. Note that the same number is assigned to the same element throughout the description of the embodiment.

  FIG. 1 is a diagram showing an outline of a bank account saving system 10 according to an embodiment of the present invention. The bank account saving system 10 includes a deposit account transaction processing means 11 for processing daily transactions in a deposit account 13 of a depositor, a reserve account 14 for transferring some funds from the deposit account 13, and a reserve account for managing the reserve account 14. The management means 15 and the Web site search means 17 for searching a Web site for effectively utilizing the reserve amount of the reserve account 14 are provided. Here, the reserve account 14 is not limited to a general reserve deposit account, and may be a special deposit account provided separately for saving of depositors.

  The deposit account transaction processing unit 11 includes a fraction transfer unit 12 that automatically moves a fractional amount of an amount generated in daily transactions to another account (a reserve account 14) designated by the depositor. Here, the daily transaction includes a withdrawal process performed based on a withdrawal request from a withdrawal destination 30A (withdrawal destination) and a deposit process performed based on a remittance request from a transfer source 30B (payment source). is there. The withdrawal process or deposit process may be a withdrawal / deposit process performed by the depositor of the deposit account by ATM (Automatic Teller Machine) or net banking.

  In the case of withdrawal, the fraction generated in account transactions is included as a result of including consumption tax, shipping fee, fee, etc. in addition to being included in the price of goods and services at the time of account withdrawal. In the case of deposit, fractions may be included in the amount of cash or account transfer itself. When the fraction transfer means 12 processes such a deposit / withdrawal transaction amount, it can round off the deposit account balance below the digit preset by the depositor as a fraction. For example, if the balance of the deposit account after deposit / withdrawal transaction is 123,456 yen and the truncation digit set by the depositor is in the 10th place, 56 yen is automatically moved from the deposit account 13 to the funded account 14 as a fraction. The As a result, the balance of the deposit account is 123,456-56 = 123,400 yen. In this way, since the balance of the deposit account is always zero below a predetermined digit, the deposit balance can be easily seen.

  On the other hand, if there is no fractional number less than the set digit in the deposit account balance after deposit / withdrawal, the deposit balance is separately multiplied by a predetermined percentage set by the depositor, and the resulting amount is processed as a fraction. To do. For example, if the balance of the deposit account after the deposit / withdrawal transaction is 123,400 yen and the predetermined ratio is 0.01%, 123,400 × 0.0001 (0.01%) = 12 yen is stored in the reserve account 14 Moved. As a result, the balance of the deposit account is 123,400-12 = 123,388 yen.

  In the above description, the fraction is calculated for the balance after the deposit / withdrawal transaction, but the fraction may be calculated for the deposit account balance before the deposit / withdrawal. For example, when the balance of the deposit account before the withdrawal transaction is 123,400 yen, the withdrawal amount is 10,000 yen, and the predetermined ratio is 0.01%, the deposit balance after withdrawal (123,400-10) , 000) × 0.0001 (0.01%) = 11 yen is transferred to the fund account 14. On the other hand, if the balance of the deposit account before withdrawal is also 123,400 yen, the withdrawal amount is 10,000 yen, and the predetermined ratio is 0.01%, 123,400 × 0.0001 (0.01%) = 12 yen is transferred to the fund account 14. Further, assuming that the balance of the deposit account before the deposit transaction is 123,400 yen, the deposit amount is 10,000 yen, and the predetermined ratio is 0.01%, the deposit balance before deposit is calculated as 123,400 × 0.0001 (0.01%) = 12 yen is transferred to the fund account 14. On the other hand, when calculated with the deposit balance after deposit, (123,400 + 10000) × 0.0001 (0.01%) = 13 yen is transferred to the fund account 14.

  As described above, since the fraction is slightly increased / decreased when the balance is processed before / after deposit / withdrawal, the fraction transfer means 12 performs the comparison calculation of both, and the fraction is maximized. It is desirable to choose. In any case, by doing so, a fractional amount is always generated in the deposit account transaction of the depositor, and the fractional amount can be efficiently transferred to the savings without the depositor being aware of it.

  Further, when the balance of the deposit account is equal to or less than a predetermined amount, it may be set so that the fraction transfer process to the reserve account 14 is not performed. By doing so, it is possible to reduce the risk that the deposit account will run out of balance due to excessive savings. Further, in order to increase the depositor's willingness to save money, the interest rate of the fund account 14 may be set in accordance with this predetermined ratio (hereinafter referred to as the cut-off%). For example, if a predetermined digit (hereinafter referred to as a cut-off digit) is about 10, the interest rate is about 0.01%, and if the cut-off digit is about 100, the interest rate is about 0.02%. Alternatively, if the cut-off percentage is 0.01%, the interest rate is set to about 0.01%, and if the cut-off percentage is 0.1%, the interest rate is set to about 0.1%. Which of the cut-off digit and the cut-off% is linked to the interest rate may be determined by the depositor's choice, the deposit balance, and the interest rate. By doing so, the larger the truncation digit and truncation%, the higher the interest rate and the more money can be saved in the funded account, further increasing the depositor's willingness to save money. it can.

  The funded account management means 15 manages the funded account 14 based on a setting file 16 that holds various settings related to the funded account set by the depositor. The management of the fund account 14 includes managing the balance of the fund account, setting the interest rate of the fund account, displaying the status of the fund account on the depositor's user terminal 40 via the Internet, and the fund account Withdrawing reserves from Details of the setting file 16 will be described later.

  The website search means 17 uses the Internet or an intranet in a bank to provide information on useful websites in order to present to the depositor the effective usage of the reserve amount of the reserve account 14 based on the setting file 16. Is a means for searching. A useful Web site is a site that publishes price information about products such as a shopping site 50A, a travel site 50B, and a price information site 50C. Further, it may be a stock information site of a securities company, foreign currency transaction information, a prize site, a sports promotion lottery site or a lottery site. That is, the website search means 17 selectively displays price information obtained by searching these websites on the user terminal 40 based on the depositor's setting and the reserve amount of the reserve account 14. Can do. The usage scenes of these Web sites will be described later.

The functional configuration of the bank account saving system 10 described above is merely an example, and one functional unit may be further divided, or a plurality of functional units may be configured as one functional unit. Each functional unit has a CPU (Central Processing Unit) built in a server or other device in the system, and a ROM (Read Only
A computer program stored in a storage device such as a memory or a hard disk is read, and the computer program executed by the CPU is stored in a database (DB; Data Base) stored in the storage device or a storage area on the memory. This is realized by reading / writing necessary data and controlling related hardware (for example, input / output device, display device, communication interface device) in some cases. In addition, the deposit account 13, the fund account 14, and the setting file 16 in the embodiment of the present invention are stored in a database (DB). This means that the data structure of the database itself does not matter.

  FIG. 2 is a diagram showing various setting tables in the setting file 16 according to the embodiment of the present invention. Here, as an example of the setting file 16, a fraction setting table, a notification condition setting table, and a search setting table are shown.

  The fraction setting table stores truncation digits and truncation percentages set by depositors. As described above, the truncation digit causes the depositor to set a predetermined digit of the deposit balance, and the fraction transfer means 12 handles the amount of money less than that digit as a fraction. Also, the truncation% allows the depositor to set a predetermined percentage of the deposit balance, and when there is no fraction in the deposit balance, the fraction transfer means 12 multiplies the deposit balance by the truncation%, and the resulting amount is multiplied. It is for handling as a fraction. Note that if the result of multiplying by the truncation% is greater than the truncation digit, the truncation% may be prioritized, but conversely the truncation digit may be prioritized. For example, if the balance of the deposit account after deposit / withdrawal transaction is 1,234,500 yen, the rounding digit is 10 and the rounding percentage is 0.01%, then the rounding percentage is given priority 1,234,500 × 0.0001 (0.01%) = 123 yen is transferred to the fund account 14 as a fraction. Conversely, if priority is given to the truncation digit, 23 yen below the truncation digit 10 out of 123 yen is moved to the fund account 14 as a fraction. Whether to choose the former or the latter, choose the one with the larger fraction. Further, as described above, the fund account management means 15 may set the interest rate of the fund account 14 in accordance with the set truncation digit or truncation%. In this case, a table of correspondence between the rounded digits and percentages and interest rates is prepared separately.

  The notification condition setting table is a table that defines various notification conditions for the accumulated account management means 15 to display information on the accumulated account to the user terminal 40. For example, as a condition for displaying the reserve amount of the reserve account, a target amount and a target date of the reserve amount are set, and the reserve amount is displayed only for a period of a predetermined number of days or more based on the target date. In this example, since the target date is December 24, 2010 and the display period is set to six months before the target date, the display period of the reserve amount is from June 24, 2010 to December 24, 2010. Up to. In this way, saving is not conscious when it is far from the target date, but saving can be made conscious when it is close to the target date. Further, although not particularly illustrated, it may be set so that the accumulated amount is displayed after reaching a predetermined achievement rate of the target amount. For example, the reserve amount may be displayed after achieving 50% or more of the target amount. The notification condition setting table stores a URL (Unified Resource Locator) that describes the price of the designated product, which is the product or service designated by the depositor, and only when the accumulated amount reaches the price of the product, etc. You can also display the amount. By doing in this way, since the depositor's pleasure to open the status screen of the accumulated account increases, the depositor's willingness to save money can be increased.

  The search setting table is a table for the Web site search means 17 to search the Internet etc. for a reserve target amount and products that can be purchased with the amount. As shown in the figure, a plurality of funding target amounts are defined, one or more website genres to be searched are designated for each funding target amount, and the URLs of search target websites are stored in the search setting table. It may be. The website search means 17 refers to this table, inputs a keyword to an arbitrary search engine, and executes a search for a website including the price of a product or the like.

  FIG. 3 is a flowchart showing a deposit account transaction process according to the embodiment of the present invention. The deposit account transaction processing means 11 executes deposit account transaction processing and fraction transfer processing by the following processing procedure.

  When the deposit account transaction processing means 11 detects that a transaction has occurred with respect to the depositor's account, in step S10, the deposit account transaction processing means 11 determines whether the transaction is a withdrawal transaction. If it is determined (step S10; Yes), an amount obtained by subtracting the withdrawal request amount from the account balance is obtained (step S11). If the obtained amount is not negative (step S12; No), the process proceeds to step S16 and subsequent steps. If the calculated amount is negative (step S12; Yes), a predetermined transaction failure process is performed and the process is terminated. If the transaction is not a withdrawal transaction (step S10; No), the deposit account transaction processing means 11 determines whether the transaction is a deposit transaction in step S13. If the transaction is a deposit transaction, the account balance is determined in step S14. Add deposit amount to. If it is determined in step S13 that the transaction is not a deposit transaction, a process other than deposit / withdrawal (such as balance reference) is performed (not shown), and the process is terminated.

  The processing from step S16 to step S20 (indicated by S20A) is processing executed by the fractional movement means 12. The fraction transfer means 12 first reads a fraction setting table from the setting file 16 in step S16. Then, in step S17, it is checked whether or not the balance of the deposit account has a fraction equal to or less than the cut-off digit in the fraction setting table. If there is a fraction in the account balance (step S17; Yes), the process proceeds to step S18, and the fraction is subtracted from the account balance. If there is no fraction in the account balance (step S17; No), the process proceeds to step S19, where an amount obtained by multiplying the account balance by the truncation% in the fraction setting table is obtained, and that amount is subtracted from the account balance. In other words, the fraction transfer means 12 generates a fraction when the account balance has a fraction, and when the account balance does not have a fraction, an amount obtained by multiplying the account balance by a cut-off percentage is generated as a fraction. The fraction is moved to the fund account 14 (step S20). Thereafter, the processing returns to the deposit account transaction processing means 11, and the deposit account transaction processing means 11 stores the new account balance in the deposit account in step S21. When the above steps are completed, the deposit account transaction processing means 11 moves to a funded account management process executed by the funded account management means 15.

  In the above processing flow, as is clear in step S11 and step S14, the fraction was calculated for the balance after the deposit / withdrawal transaction. However, as described above, the balance before the deposit / withdrawal transaction is also calculated simultaneously. A fraction may be calculated, and a larger fraction may be selected. By doing so, the fraction is increased and the efficiency of saving the fraction is increased.

  FIG. 4 is a flowchart showing a funded account management process according to the embodiment of the present invention. The funded account management means 15 and the Web search means 17 perform a funded account management process according to the following processing procedure.

  First, the fund account management means 15 reads the search setting table from the setting file 16 in step S22. Next, in step S23, the fund balance (fund amount) of the fund account 14 is read.

  Then, in step S24, the funded account management means 15 sequentially checks the funded target amount in the search setting table, and determines whether there is a genre corresponding to the funded amount when it reaches the target amount (step S24). If there is no corresponding genre (step S24; No), the process proceeds to step S29 to check the next target amount. If there is a genre corresponding to the delivered target amount (step S24; Yes), the process proceeds to step S25, and the Web search means 17 searches for a search target site in the genre. When the search is completed, the process returns to the funded account management means 15, and in step S26, it is checked whether there is a product that can be purchased with the funded balance. If there is a product that can be purchased (step S26; Yes), the process moves to step S27, and the product is added to the display candidate list. If there is no product or the like that can be purchased (step S26; No), the process proceeds to step S28, where it is checked whether all genres have been processed. If there are genres to be processed (step S28; No), step S25 is performed. Return to. If all the genres have been processed (step S28; Yes), the process proceeds to step S29 to check whether there is a target amount to be processed next. If all the target amounts of the accumulation target amount in the search setting table have not been processed (step S29; No), the process returns to step S24, and if all target amounts have been processed (step S29; Yes), the next figure The process proceeds to the accumulated information notification process.

  FIG. 5 is a flowchart showing funded information notification processing according to the embodiment of the present invention. The funded information notification process is executed by the funded account management means 15 and notifies (displays) the funded account information to the user terminal 40 according to the following procedure.

  First, the fund account management means 15 reads the notification condition setting table from the setting file 16 in step S30. Next, in step S31, it is checked whether or not the current date is within the display period stored in the notification condition setting table. If it is not within the display period (step S31; No), the process is terminated. If it is within the display period (step S31; Yes), the process proceeds to step S32 to check whether the target amount has been achieved. Here, achievement of the target amount may not necessarily be 100%, but may be achieved at a separately set target achievement rate.

  Then, in step S33, the fund account management means 15 checks whether or not there is a commodity display candidate stored in step S27 of FIG. If there is a merchandise display candidate (step S33; Yes), the process proceeds to step S34, the display candidate merchandise stored in the display candidate list is displayed, and then the process proceeds to step S35 to fully display the accumulated amount. If there is no merchandise display candidate (step S33; No), the process proceeds directly to step S35, and the reserve amount is displayed in full. If the target amount has not been reached in step S32, the accumulated amount is partially displayed (step S36).

  The reason for partial display in this way is that if the accumulated amount is displayed at any time, it may be withdrawn from the accumulated account and used even if the target amount has not been reached. That is, the amount of money to be withdrawn can be withdrawn only when the amount of money to be saved is fully displayed. Or conversely, the reserve amount may be displayed only when the depositor makes a request for withdrawal processing. However, a condition can be set at the time of withdrawal. For example, even if the target amount has been reached, cash can not be withdrawn from the funded account (that is, withdrawing only by net banking), or net banking only for the products displayed on the search screen etc. It may be disabled. Both are to prevent you from making money on the way. of course. Even if the setting is determined once, it is possible for the depositor to change the setting at any time.

  FIG. 6 is a diagram showing an example of a status display screen of the fund account according to the embodiment of the present invention. In response to a request from the depositor's user terminal 40, the funded account management means 15 provides a dedicated Web site for notifying the depositor of information on the funded account 14. The status of the funded account shown is the display screen of this Web site. In this way, the provision and setting of information related to the funded account is unified, and it becomes a foundation for providing services for increasing various motivation for saving.

  When the depositor is authenticated by first entering the login ID and password, a screen for notifying the status of the funded account as shown is displayed. A portion denoted by reference numeral 100 is a reserve amount display field, which is an area for displaying the current reserve amount. A portion denoted by reference numeral 101 is a setting item display field, which is an area for the depositor to set and display the cut-off digits and the cut-off% described above, and further includes a target amount, a display period, and a designated product. It is also an area to set. As can be seen here, the reserve amount is not always displayed. If the predetermined condition is not satisfied, only the position designated on the right side of the area 100 is displayed. However, only the most significant digit may not be specified. The predetermined condition is a target amount, a display period, and a designated product condition set by the depositor in the area denoted by reference numeral 101, and at least one of them must be satisfied. That is, it is either when the reserve amount exceeds the target amount, when the current date is within the display period, or when the reserve amount reaches an amount where the designated product can be purchased. Of course, the accumulated amount may be displayed only when all the three conditions are satisfied, or the accumulated amount may not be displayed when the other two conditions are met in the case outside the display period. . The display period is set to a target date for achieving the target amount of money, from the target date before the predetermined period, or from the date when the target date is set to the predetermined period, or the predetermined period It may be expressed as from XX year X month X day to XX year X month X day. The target date may be set by displaying a calendar as indicated by reference numeral 103 and designating the target date.

  A portion denoted by reference numeral 102 is an area for displaying a list of products and the like searched by the Web site search means 17. Here, clicking on a product name in the product etc. list can jump to a page on which detailed information about the product is described. The list of products may include a list of products that can be purchased with a small amount in addition to products that can be purchased with the current reserve amount. The remaining amount is an amount obtained by adding a predetermined ratio to the current reserve amount. For example, it is set to an amount that is 10% to 20% higher than the reserve amount. It is desirable to provide a function for further searching by a keyword, a function for narrowing a search by genre, and a function for sorting by price or popularity in any product list. Also, for example, as shown in the figure, when a check is placed in the check column of “DDD TV” in the product list in the area 102, the product name is automatically entered in the designated product field in the area 101, and the reserve amount is When the selling price of “DDD TV” (including consumption tax) is exceeded, the reserve amount may be displayed. By devising the screen for displaying the status of the funded account in this way, the depositor can increase the pleasure of opening the status screen of the funded account, and can increase the motivation for saving.

  FIG. 7 is a diagram showing another example of the status display screen of the fund account according to the embodiment of the present invention. In this figure, the list of products and the like that can be purchased from the funded account indicates that it is a stock brand.

  The basic screen configuration is the same as in FIG. 6, but in this case, the Web site search means 17 is a financial site such as a site or bank that publishes the price of stocks provided by a securities company for the Web site to be searched. Search only on the site where the product is posted. In the case of financial products, in addition to sorting in order of price, it may be sorted in order of increasing price fluctuation (in order of increasing price or decreasing price). In the case of stocks, prices often drop, so if the price goes down, the product list is adjusted by increasing the number of shares that can be purchased. Further, as shown in the figure, the display period of the accumulation period can be designated as every Monday when the price movement of the financial product is relatively large. Further, a little gambling may be added to the savings, and sites such as lottery sites and sports promotion lotteries may be added to the search target.

  FIG. 8 is a diagram showing functional blocks inside the funded account management means 15 according to the embodiment of the present invention. This figure is divided into a reserve account interest rate setting means 15A, a reserve amount notification means 15B, and a reserve account withdrawal means 15C in order to clarify the function of the reserve account management means 15 in the functional block of FIG. It is shown. Other functional blocks are the same as in FIG. 1, but external components are omitted for the sake of simplicity.

  As already described, the fund account interest rate setting means 15A functions to set the interest rate of the fund account according to the rounded digits or percentages for generating fractions. It should be noted that the interest calculation period may be in accordance with the ordinary calculation period for interest on ordinary savings established by the bank. The reserve amount notification means 15B is a main body that executes the reserve information notification process of FIG. 5 and has a function of displaying the display screens of FIGS. 6 and 7 on the user terminal 40.

  The accumulated account withdrawal means 15C, which has not been clearly described so far, fulfills the function of controlling the execution of the withdrawal process when the depositor tries to withdraw the accumulated money from the accumulated account 14. That is, a predetermined amount can be directly withdrawn from the accumulated amount from the user terminal 40 through the accumulated account withdrawal means 15C. The depositor can withdraw a part or all of the reserve from the reserve account 14 by using the usual net banking means. However, by using the reserve account withdrawal means 15C of the present implementation means, It is possible to withdraw the reserve amount directly from the account status screen. In addition, if the status screen of the fund account is displayed, there is no need to log in to ordinary net banking separately for payment of the searched product displayed in the product list.

  Of course, the reserve account withdrawal means 15C also includes a part of the processing of ordinary net banking, and as long as it is net banking, cash cannot be withdrawn, so when withdrawing from the reserve account, transfer to another bank account, It will be transferred to the depositor's other account. At this time, the depositor can set the withdrawal conditions by using the accumulated account withdrawal means 15C. For example, the withdrawal is permitted only when the reserve amount reaches the target amount, or the transfer destination account is limited to the transfer destination of the website displayed by the website search means. Alternatively, the deposit destination may be a deposit account of the depositor, and the deposit may be made periodically (for example, once a month, once a year, etc.) during a period set by the depositor. By limiting the payout in this way, savings increase without the depositor's knowledge, and savings to the funded account can be made more reliable.

  The bank account deposit system of the present invention has not only advantages for depositors, but also has an advantage of increasing the deposit balance by having the bank save stable. In addition, an advertisement can be displayed on the above-described reserve account status display screen, and there is an advantage that advertising revenue can be expected.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

DESCRIPTION OF SYMBOLS 10 Bank account saving system 11 Deposit account transaction processing means 12 Fraction transfer means 13 Deposit account 14 Accumulated account 15 Accumulated account management means 15A Accumulated account interest rate setting means 15B Accumulated amount notification means 15C Accumulated account withdrawal means 16 Setting file 17 Web site search means 30A withdrawal destination (withdrawal destination)
30B Transfer source (payment source)
40 User terminal 50A, 50B, 50C Search target Web site 100 Reserve amount display column 101 Setting item display column 102 Product etc. list 103 Calendar

Claims (9)

A bank account saving system that automatically saves money by withdrawing deposits from depositors' deposit accounts,
Each time a deposit / withdrawal transaction occurs to the depositor's deposit account,
The balance of the deposit account is rounded down by a predetermined digit set in advance by the depositor,
If the cut-off amount is not zero, move the cut-off amount to the depositor's designated reserve account,
When the cut-off amount is zero, a predetermined ratio set in advance by the depositor with respect to the balance of the deposit account is subtracted from the balance of the deposit account, and the amount of the predetermined ratio is subtracted from the depositor's balance. Move it to the designated fund account,
A bank account saving system comprising a fraction transfer means.   The fraction transfer means compares the balance after deposit / withdrawal of the deposit account with the balance before deposit / withdrawal of the deposit account, and selects the amount of the cut-off amount or the amount of the predetermined ratio as the deposit balance. The system according to claim 1.   3. The bank account saving system according to claim 1, wherein the fraction transfer means does not perform the truncation when a balance of the deposit account becomes equal to or less than an amount set in advance by the depositor. Further comprising a funded account management means for managing the funded account;
3. The bank account saving system according to claim 1, wherein the funded account management unit sets an interest rate of the predetermined account according to the predetermined digit or the predetermined ratio.   5. The reserve account management means provides a dedicated site for notifying the depositor of the status of the reserve account, and provides means for the depositor to make settings related to the reserve account. The bank account saving system described.   The reserve account management means sets the depositor as a display condition of the reserve amount, 1) when the reserve target amount is reached, 2) when the reserve amount is displayed, and 3) the designated product or service is reserved 6. The bank account saving system according to any one of claims 4 to 5, wherein the reserve amount is displayed when at least one of the conditions is satisfied when the purchase becomes possible.   7. The reserve account management means, when the depositor pays out from the reserve account, permits the payout only when the condition set by the depositor is permitted. Bank account saving system.   The bank account saving system according to any one of claims 4 to 7, further comprising a website search means for searching for a website that provides information on products or services that can be purchased with the balance of the funded account. A bank account saving method that automatically saves by withdrawing deposits from the deposit account of the depositor,
Detecting that a deposit / withdrawal transaction to the depositor's deposit account has occurred;
Truncating the balance of the deposit account with a predetermined digit set in advance by the depositor;
If the cut-off amount is not zero, the step of moving the cut-off amount to the depositor's designated reserve account;
When the cut-off amount is zero, a predetermined ratio set in advance by the depositor with respect to the balance of the deposit account is subtracted from the balance of the deposit account, and the amount of the predetermined ratio is subtracted from the depositor's balance. Moving to a designated funded account;
A bank account saving method comprising:

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