JP2019125199A - Information processing device - Google Patents

Abstract

To make it easy for users to obtain approval for fund management while reducing the number of transfer of funds.SOLUTION: A payment amount acquisition unit 201 acquires a payment amount in a commercial transaction. A difference calculation unit 202 calculates a difference between the acquired payment amount and a rounded-up amount of the payment amount. A difference acquisition unit 203 acquires the calculated difference. When a user performs a predetermined operation, an approval acquisition unit 220 acquires approval for a service that operates, as funds, the above-mentioned difference in one or more commerce transactions performed before the operation is performed. When a predetermined period of time elapses, a fund transfer timing determination unit 209 determines that it is the transfer time to transfer the cumulative amount of the difference obtaining the approval of the fund management from a first account to a second account. A transfer instruction processing execution unit 210 executes transfer instruction processing for instructing the transfer of the cumulative amount.SELECTED DRAWING: Figure 4

Description

  The present invention relates to a technology for having a user utilize a fund.

  There is a technology to get users to use funds. For example, the patent document 1 registers change and data on the person who should receive this change, and when the investment server receives information from the ATM terminal or the like indicating that the investment is to be made, the investment related operator is based on this information. A technology is disclosed that accesses the on-site system and the investment-related operating company system performs the prescribed investment processing.

JP 2003-178194 A

Generally, the user's fund management is performed after transferring the funds stored in the user's account to another appropriate account (investor's account etc.) after obtaining the user's consent. However, because transferring funds between accounts incurs a fee, it is desirable that the transfer of funds be as small as possible. However, if the amount of money to be moved is large, it is easy for the user to have a psychological resistance to fund management.
Therefore, an object of the present invention is to make it easy to obtain the user's consent for fund management while reducing the number of times of fund transfer.

  In order to achieve the above object, the present invention provides an accumulation unit that accumulates an amount calculated based on the payment amount in commerce, and funds the amount in one or more commerces made before a user performs a predetermined operation. A consent obtaining unit for obtaining consent for allocating to operation, which has a first consent for applying the amount of the transaction having a specific relationship with a specific business operator to fund management, and the relatedness A consent obtaining unit for obtaining the second consent for allocating the amount of money for the non-commercial transaction to the fund management, and when a predetermined period has elapsed, the accumulated amount of the amount for which the consent is obtained is obtained from the first account Processing for moving to the account of the fund and allocating funds, and the accumulated amount is allocated to funds under different conditions depending on whether the consent is the first consent or the second consent. An information processing apparatus comprising an execution unit for executing a separate process.

Further, the consent acquisition unit may use a commercial transaction performed at a specific purchaser, a commercial transaction to purchase a specific purchase target, a commercial transaction to be settled by a specific payment means, a commercial transaction to which a specific point is given, a specific point The consent may be acquired as a business transaction having the specific relevance, with the user's business transaction in which only the amount of the business transaction performed in a specific period set by the business operator or the business transaction is targeted for fund management.
Furthermore, the consent acquisition unit may use a commercial transaction performed at a specific purchaser, a commercial transaction to purchase a specific purchase target, a commercial transaction to be settled by a specific payment means, a commercial transaction to which a specific point is given, a specific point Business transaction or a business transaction performed in a specific period defined by the business operator may be obtained as the business transaction having the specific relevance.

The business transaction having the specific relevance includes a business transaction in which the identification information of the user who paid the payment amount in cash and the payment information is acquired by the system of the business operator, and the storage unit is the business operator Storing the identification information and the payment information acquired from the system, and the consent acquisition unit is configured to accept the consent for the amount calculated from the accumulated payment information of the user indicated by the stored identification information. You may get
Furthermore, the consent acquisition unit displays only the amount of money calculated for the transaction having the specific relevance, transmits data indicating a screen requesting the first consent to the user terminal, and returns the data from the user terminal. The first consent may be acquired for the amount of money indicated by the reply data.

Further, the consent acquisition unit is a data indicating a screen for requesting the consent by displaying the amount of money calculated for the transaction having the specific relevance in a mode different from the amount of money calculated for the transaction not related to the business operator. May be transmitted to the user terminal, and the first consent may be acquired for the amount of money indicated by the reply data returned from the user terminal.
Furthermore, a transmitting unit for transmitting to the user terminal amount information indicating each of the accumulated amounts of money stored for a plurality of commercial transactions performed before the predetermined period has elapsed, and using funds among the amounts indicated by the transmitted amount information. A receiving unit for receiving, from the user terminal, selected amount information indicating a selected amount of money, and the execution unit is configured to receive the accumulated amount of the selected amount indicated by the received selected amount information. A process of instructing movement may be performed.

  According to the present invention, it is possible to easily obtain the user's consent for fund management while reducing the number of times of fund transfer.

Diagram showing the overall configuration of a fund management support system according to an embodiment Diagram showing the hardware configuration of the household account server and the fund operation support server Diagram showing hardware configuration of user terminal Diagram showing the functional configuration realized by the fund management support system Diagram showing an example of accumulated differences Diagram showing an example of the displayed consent request Diagram showing an example of the displayed history of differences Diagram showing an example of operation procedure of each device in accumulation processing Diagram showing an example of operation procedure of each device in operation support processing Diagram showing the functional configuration realized by the fund operation support system of the modified example Diagram showing the functional configuration realized by the user terminal of the modification A figure showing an example of functional composition which a fund operation support server device of a modification realizes. A diagram showing an example of a first threshold table Diagram showing an example of a first period table Diagram showing an example of a second period table A figure showing an example of functional composition which a fund operation support server device of a modification realizes. A figure showing an example of functional composition which a fund operation support system of a modification realizes. Diagram showing an example of the difference accumulated in the modification Diagram showing an example of the displayed consent request Diagram showing an example of the displayed consent request Diagram showing an example of the displayed consent request

  Hereinafter, specific examples of the present invention will be described. However, the present invention can be variously modified and changed as long as it is included in the technical idea thereof, and is limited to the following examples. is not.

[1] Embodiment FIG. 1 shows the overall configuration of a fund management support system 1 according to an embodiment. The fund management support system 1 is a system for supporting allocation of money generated when a user pays money in commerce to fund management. The user mentioned here is a user who uses the fishing operation service that devotes fishing to fund management, and is a user registered in the fund management support system 1. The fund management support system 1 is operated mainly by a provider who provides this fishing management service.

  Fund management is the management of funds for the purpose of profit, and specifically, stocks, FX (Foreign Exchange: foreign exchange margin trading), bonds, investment trusts, real estate, futures, money market, deposits And making foreign currency deposits etc. Also, funds may be managed by buying and selling virtual currency (bitcoin). Payment of money in commerce is, for example, payment made when purchasing a product at a store etc. However, other than that, the purchase of train tickets, payment of medical treatment expenses at hospitals, and the cost of energy and communication expenses Such monthly payment of usage fees, installment payments such as mortgages, and payments by fund management other than fund management supported by this system are also included. In other words, the goods include services such as transportation and treatment as well as objects existing as objects, for example, stationery.

  In addition, for this payment, the payment made by the user who uses the point service when accumulating points, the payment when using the accumulated points, and the payment that doubles as well (both also accumulates the points) Included. The point service is a service that allows the point service provider to give points to users according to the purchase price, etc., and to use the granted points to allocate another purchase price or exchange for a product. It is.

  There are multiple payment methods (payment methods) the user makes. For example, with a payment method such as credit card, electronic money, or withdrawal from an account, there is usually no fishing because it is paid in 1-yen units, but your fishing operation service also temporarily pays 100 yen or 1000 for those payments. It is provided to the user on the condition that the fishing which is assumed to occur if it is paid in yen unit is used for fund management. In the fund management support system 1, payment information such as a credit card is acquired from a system of a business provider that provides those settlement services via a household account server device 10 described later.

  In addition, when payment is made in cash, the difference between the paid amount and the purchase amount is paid to the user as fishing. In the fund management support system 1, the information on the fishing actually paid to the user in the cash settlement is acquired using, for example, a receipt described later. Also, if the user is using the point service, the identification information (user ID (Identification) etc.) of the user who paid the payment amount even in cash payment and the payment information is the system of the point service provider. Is obtained from the system, and information indicating the amount of payment or the amount of money for commerce is obtained from the system.

  The fund operation support system 1 includes a network 2, a settlement agent server 3, a bank server 4, a bank server 5, a fund operation server device 6, a household account book server device 10, a fund operation support server device 20, and a user. And a terminal 30. The network 2 is a communication system including a mobile communication network, the Internet, and the like, and mediates exchange of data between devices connected to the own system. The devices other than the user terminal 30 are connected to the network 2 by wired communication, and the user terminal 30 is connected by wireless communication. The connection with the network 2 may be either wired communication or wireless communication.

  The settlement agent server 3 is a server operated by a settlement agent company acting on behalf of the settlement process occurring in the transaction. The bank server 4 and the bank server 5 are servers that manage bank accounts (specifically, manage the money stored in the accounts), and perform deposit processing to accounts and withdrawal processing from accounts. In the present embodiment, the bank server 4 is a server that manages an account containing money available to the user at the bank used by the user, and the bank server 5 is a money management company at the bank used by the money management company. Be a server that manages the account of

  The "user-available money" mentioned here is money that can be a source of funds used in the fishing operation service. The account containing the user's available money is not limited to the account opened by the user. For example, an account used by the securities company, telecommunications company, electric power company, gas company, payment agency company, mail order company, C2C (Consumer to Consumer) service company, etc. used by the user to hold the money paid by the user It may be. Further, it may be an account containing money equivalent to the points given by the business provider providing the service to the user.

  By arrangement with each business operator, the surplus money can be used for fund management by the user storing the money more than the payment amount in those accounts. In those cases, the bank server of the bank that holds the account of the business, or the server that each business has set up to manage that account, is a server that manages the account in which the user's available money is stored. Used. The money operation server device 6 executes a process of operating the money of the account managed by the bank server 5 and a process of providing the money operation support server device 20 with the operation actual state.

  The household account server device 10 is a device that accumulates user's household account information. The household information includes at least expenditure information indicating the expenditure of the user. The expenditure information is information indicating food expenses, clothing expenses, entertainment expenses, medical expenses, entertainment expenses, education expenses, vehicle expenses, utility expenses, housing expenses, and the like. Strictly speaking, these expenditures include expenditures of people who share the family with the user, but in this embodiment, such expenditures are also regarded as expenditures of the users.

  The household account book server device 10 acquires these expenditure information from the user terminal 30, and a personal site (a site on which the history of the user's transactions is posted, such as Internet banking, provided by a financial institution or a point service provider). Or from the system that provides the site or the site that provides point information). The household account book server device 10 may obtain the expenditure information directly from the system such as a financial institution or a point service provider through an application programming interface (API) or in a file format.

  The fund operation support server device 20 is an information processing device that performs processing for providing a fishing operation service to a user. The fund operation support server device 20 has obtained processing for acquiring expenditure information from the household account server 10, processing for calculating fishing, processing for requesting the user to consent for allocating fishing for fund management, and consent obtained. Perform processing such as transferring the same amount as your fishing from the user account to the fund management account.

  The user terminal 30 is a terminal device used by a user, and is, for example, a smartphone, a tablet terminal, a personal computer, or the like. The user terminal 30 receives an operation (a user ID, a password input operation) for accessing the household account server device 10, a reception operation of a user's household information (especially expenditure information) input operation, a display of accumulated household information, funds Display of the request from the operation support server device 20, acceptance of an operation for replying to either the acceptance or rejection in response to the request, and notification processing of an answer result are performed.

  FIG. 2 shows the hardware configuration of the household account server device 10 and the fund operation support server device 20. Each of these devices is a computer including a processor 11, a memory 12, a storage 13, a communication device 14, an input device 15, and an output device 16. The processor 11 operates an operating system to control the entire computer. The processor 11 includes a central processing unit (CPU: Central Processing Unit) including an interface with peripheral devices, a control device, an arithmetic device, and a register.

  The processor 11 reads a program (program code), a software module, data, and the like from the storage 13 or the communication device 14 into the memory 12 and executes various processes in accordance with these. The memory 12 is a computer readable recording medium, and is, for example, a ROM (Read Only Memory), an EPROM (Erasable Programmable ROM), an EEPROM (Electrically Erasable Programmable ROM), a RAM (Random Access Memory), or the like.

  The storage 13 is a computer readable recording medium, and is, for example, a hard disk drive, a flexible disk, a flash memory, or the like. The storage 13 may be called an auxiliary storage device. The communication device 14 is hardware (transmission / reception device) for performing communication between computers via a wired and / or wireless network, and is also called, for example, a network device, a network controller, a network card, a communication module, or the like.

  The input device 15 is an input device (for example, a keyboard, a mouse, a microphone, a switch, a button, a sensor, and the like) that receives an input from the outside. The output device 16 is an output device (for example, a display, a speaker, an LED lamp, etc.) that performs output to the outside. The input device 15 and the output device 16 may be integrated (for example, a touch screen).

  In addition, processing (so-called batch processing) that is autonomously and periodically executed without waiting for any physical input may be replaced by this input, or the user terminal 30 may use positioning means such as GPS (Global Positioning System) or the like. The process performed when a particular position is measured may replace this input. In addition, a physical button connected to a wireless network may be used (for example, when the physical button is pressed, acceptance of allocating the stored fishing to fund management is collectively performed). Also, the above hardware configuration may be provided by virtualized resources (such as when each server device is built on a cloud computing system).

  FIG. 3 shows the hardware configuration of the user terminal 30. The user terminal 30 is a computer including a processor 31, a memory 32, a storage 33, a communication device 34, an input device 35, an output device 36, and an imaging device 37. The processor 31 to the output device 36 are hardware common to the devices of the same name shown in FIG. The imaging device 37 includes a lens, an imaging element, and the like, and captures an image of a person or a scene around the light that is incident from the lens. The imaging device 37 supplies the processor 31 with image data indicating a photographed image.

The processor of each device included in the money operation support system 1 executes a program to control each unit, whereby the functions described below are realized.
FIG. 4 shows a functional configuration realized by the fund management support system 1. The household account book server device 10 includes an income information acquisition unit 101, an expenditure information acquisition unit 102, and a household information storage unit 103.

  The fund management support server device 20 includes a payment amount acquisition unit 201, a difference calculation unit 202, a difference acquisition unit 203, a difference accumulation unit 204, a request timing determination unit 205, a consent request unit 206, and a consent acceptance unit 207, a withdrawal accepting unit 208, a fund transfer timing determination unit 209, and a transfer instruction processing execution unit 210. The user terminal 30 includes a receipt reading unit 301, an expense information transmitting unit 302, an acceptance request display unit 303, an acceptance operation unit 304, an acceptance unit 305, a history display unit 306, and a withdrawal operation unit. 307 and a withdrawal notification unit 308.

  The income information acquisition unit 101 of the household account server device 10 acquires the user's income information. In the present embodiment, the user registers in advance information (URL (Uniform Resource Locator), user ID, password, etc.) used for access to the personal site where the transaction history of the account is posted in the household account server device 10. In the personal site, transaction history such as transaction date, transaction type (card withdrawal, card deposit, transfer, withdrawal, cash settlement using accumulated and used points, etc.), trading partner, transaction amount or cash settlement amount etc. It is done.

  The income information acquisition unit 101 reads the user's transaction history using the registered information, and acquires the determined items (salaries, bonus, etc.) of the transaction history indicating payment as the user's income information. The income information acquisition unit 101 supplies the acquired income information to the household information storage unit 103 together with the user ID of the user. This user ID is assigned in the money operation support system 1, and is usually different from the user ID for accessing the personal site and the user ID for accessing the household account server 10.

  However, a common user ID may be used, for example, when the provider of the fishing operation service operates the household account server device 10, or when a method in which the user himself determines the user ID is employed. The expenditure information acquisition unit 102 of the household account server device 10 acquires expenditure information of the user. The expenditure information acquisition unit 102 reads out the transaction history from the personal site of the above-mentioned financial institution, for example, and determines a determined item of the transaction history indicating withdrawal (withdrawal, transfer, cash settlement using accumulated points, etc. ) Is acquired as the expenditure information of the user. Also, similarly to this, the expenditure information acquisition unit 102 acquires, from the personal site of the point service provider, the user ID and payment information of the user who made the cash settlement as the expenditure information of the user.

  Further, the expenditure information acquisition unit 102 acquires information transmitted from the user terminal 30 as follows as expenditure information. The receipt reading unit 301 of the user terminal 30 reads the expenditure information described in the receipt by photographing the receipt with the imaging unit (imaging device 37) of the own device. The receipt reading unit 301 stores in advance patterns of texts included in the receipt ("receipt", "total", "check", "fishing", etc.) and recognizes the text shown in the photographed image. If these patterns are included, it is determined that a receipt has been taken.

  The receipt reading unit 301, when performing this determination, reads the date and time, the product name, the price, the total price, the consumption tax amount, the payment amount, the fishing amount, and the like described in the photographed receipt. The receipt reading unit 301 supplies the read spending information to the spending information transmitting unit 302. The image recognition process may be realized by transmitting image data to an external device and returning character information read by the external device to the user terminal 30.

  The expenditure information transmitting unit 302 stores the destination (IP (Internet Protocol) address or the like) of the household accounting server device 10, and transmits the supplied expenditure information to the destination (that is, the household accounting server device 10). The expenditure information acquisition unit 102 acquires the expenditure information read from the receipt thus transmitted. The expenditure information acquisition unit 102 supplies the expenditure information acquired as described above to the household finance information storage unit 103 together with the user ID of the user.

  The household accounting server device 10 accumulates the income information and the expenditure information acquired as described above as the household information of the user. The household finance information storage unit 103 stores the supplied income information and expenditure information in association with the user ID supplied together. Further, the household finance information storage unit 103 also stores, as household finance information, the user ID and payment information (representing spending information) acquired from the system of the above-mentioned point service provider personal site. Acquisition and accumulation of income information and expenditure information described above are performed regularly (for example, every day, even when the user performs an operation of photographing a receipt for expenditure information), and new household finance information is accumulated as much as possible. It is supposed to be.

  The payment amount acquisition unit 201 of the fund management support server device 20 acquires the payment amount from the storage device that stores the payment amount in the above-described commercial transaction. The payment amount in commerce is represented by the amount of the withdrawal indicated by the expenditure information, the sum of the price described in the receipt, and the sum of the consumption tax amount. The payment acquisition unit 201 requests spending information from the household account server 10 (the storage device in the present embodiment) that stores the spending information. Upon receipt of the request, the household finance server device 10 transmits the accumulated expenditure information and the user ID associated therewith to the funds management support server device 20.

  At this time, the household information storage unit 103 transmits the expenditure information that has not been transmitted to the fund management support server device 20 (that is, the expenditure information newly accumulated after transmitting the expenditure information last time). The payment amount acquisition unit 201 receives the transmitted payment information and the user ID, and thereby acquires the payment amount paid by the user of the user ID at the time of a commercial transaction. The payment amount acquisition unit 201 supplies expenditure information indicating the acquired payment amount to the difference calculation unit 202 in association with the corresponding user ID (the user ID of the user who paid the amount).

  The difference calculation unit 202 calculates the difference between the payment amount acquired by the payment amount acquisition unit 201 and the amount obtained by rounding up the payment amount. For example, the difference calculation unit 202 rounds up the payment amount in units (50 yen units, 100 yen units, 500 yen units, 1000 yen units, etc.) set by the user at the start of using the fishing operation service. This rounding up unit can be changed even after the start of use of the fishing operation service.

  When the payment amount is 325 yen, the difference calculating unit 202 is 75 yen obtained by subtracting 325 yen from 400 yen rounded up in units of 100 yen when the unit of 100 yen is set as the rounding up unit. When the unit of 50 yen is set as the unit of rounding up, the unit of yen is calculated by subtracting 325 yen from 350 yen rounded up by 325 yen in units of 50 yen and calculating 25 yen as the difference. The difference calculating unit 202 supplies the calculated difference to the difference acquiring unit 203 in association with the corresponding user ID (user ID of the user who made the payment for which the difference is calculated) and the expenditure information.

  The difference acquisition unit 203 acquires the difference between the payment amount in the commercial transaction and the amount of the payment amount rounded up. In the present embodiment, the difference acquisition unit 203 acquires the difference calculated by the difference acquisition unit 203. The difference acquisition unit 203 supplies the acquired difference to the difference accumulation unit 204 together with the user ID and the expenditure information supplied in association with the difference. The difference accumulation unit 204 stores the difference acquired by the difference acquisition unit 203 in association with the corresponding user ID or the like. The difference accumulation unit 204 is an example of the “accumulation unit” in the present invention.

  FIG. 5 shows an example of the accumulated difference. In the example of FIG. 5, the difference accumulation unit 204 associates and stores the user ID, the payment date, the difference, the difference ID, and the status. The payment date indicates the date on which the transaction of the payment for which the difference was calculated is performed, and is indicated by the expenditure information. The difference ID is information for identifying each difference. The status represents a situation where consent is obtained or rejected when the user is requested to consent to use the accumulated difference for fund management.

  In addition, the status represents an unsolicited situation in which the consent request has not been made yet, or a moved situation in which the account has been moved after being accepted. In the example of FIG. 5, the situation where the payment date is “moved” for the difference from 12/22 to 12/31 and the situation where the payment date is “rejected” for the difference from 1/1 to 1/7 The difference between 1/8 and 1/14 of the payment date is associated with a status of "Accepted", and the difference between the payment date of 1/15 and 1/21 is associated with a status of "Not Requested". There is.

  The consent request and the transfer of the account will be described in detail later. The operation from the acquisition of the payment to the accumulation of the difference described above is performed periodically (for example, every day), and the difference in the latest transaction is accumulated as much as possible. In the present embodiment, in order to make the explanation easy to understand, it is assumed that the difference in the commercial transaction performed on the day is acquired by the difference acquisition unit 203 and accumulated in the difference accumulation unit 204 every day.

  The request timing determination unit 205 of the funds management support server device 20 performs the above-described consent request, that is, a request timing for requesting the user to consent to use the difference stored in the difference storage unit 204 for fund management. Determine if it has become. The request timing determination unit 205 determines that the request timing has come each time a first period defined from the reference date defined by the request destination user who is the other party who requests the consent has elapsed.

  In the present embodiment, the first day of the month is determined as the reference date, and one day (24 hours) is set as the first period. The request time determination unit 205 determines that the request time has come at the time when the first period has elapsed (e.g., 0 o'clock). When the request time determination unit 205 determines that the request time has come, among the differences accumulated in association with the user ID of the request destination user, the ones whose status is "not requested" are the difference ID corresponding to the corresponding payment date and payment date Along with the user ID of the request destination user and supplies it to the consent request unit 206.

  The consent request unit 206 generates, every time the first period elapses, request data for requesting the user to consent to use the difference in one or more transactions made in the first period for fund management. The consent request unit 206 is, for example, a character string indicating that the user ID of each user, the difference in the commercial transaction of the user, the difference ID and the payment date, and the request for consent to use the difference for fund management And generates request data indicating

  Whether the consent request display unit 303 of the user terminal 30 has the user ID of the user who uses the own apparatus and the consent request to be displayed when a predetermined operation (a specific example will be described later) is performed by the user Inquiry data for inquiring whether or not it is transmitted to the fund management support server device 20. The consent request unit 206 transmits request data indicating the user ID indicated by the transmitted inquiry data to the inquiry source user terminal 30. As described above, the consent request unit 206 generates request data each time the first period elapses, and transmits the request data when an inquiry is received from the user terminal 30, thereby giving the user the consent of the fund management. To request.

  As described above, in the present embodiment, a so-called pull-type consent request is issued in which acceptance of the fund management is requested in response to an inquiry from the user terminal 30. In addition, without being limited to this, even when there is no inquiry from the user terminal 30, when the request time determination unit 205 determines that the first period has elapsed, the consent request unit 206 requests approval of the fund operation. A so-called push type consent request may be made.

  The consent request display unit 303 of the user terminal 30 displays the consent request when the fund operation support server device 20 is requested to consent to use the difference for fund operation. The consent request display unit 303 is an example of the “display unit” in the present invention. When the acceptance request display unit 303 receives the request data transmitted from the fund operation support server device 20, the character string etc. indicated by the request data can be displayed as an acceptance screen of the application screen or the web browser as an acceptance request from the fund operation support server device 20. Display on the screen.

  FIG. 6 shows an example of the displayed consent request. In the example shown in FIG. 6, the consent request display unit 303 selects the character string “The following money management has been proposed to Mr. A.”, the payment date of the transaction, and the difference in the transaction. A character string indicating the total amount of difference (in this example, “1468 yen”) is displayed on the display of the output device 36 as the consent request A1. In addition, consent request display unit 303, acceptance button B1 where it is written “accepts the selected one”, denial button B2, all selection button B3 and plural individual selection buttons B4 (“○” is selected , And “x” indicates not selecting).

  The consent request display unit 303 supplies the information indicating the display area of these buttons to the consent / non-acceptance operation reception unit 304. The consent / non-acceptance operation receiving unit 304 receives the user's operation indicating whether or not the consent request is accepted. Acceptability operation reception unit 304 accepts an operation for tapping acceptance button B1 (which may be an operation with a mouse), as an operation for the user to approve the operation of funds displayed as the total amount of the selected difference. An operation of tapping the rejection button B2 is accepted as an operation of the user refusing the fund management.

  Further, the acceptance / non-permission operation receiving unit 304 receives an operation of tapping the all selection button B3 as an operation of selecting all differences as funds to be used for fund management, and selects an operation of tapping the individual selection button B4. Is accepted as an operation to switch the presence or absence of (the “o” and “x” are switched each time the tap is performed). The consent / non-acceptance operation reception unit 304 is an example of the “reception unit” in the present invention. The consent / non-acceptance operation reception unit 304 supplies the operation result information indicating the received operation result to the consent / non-permission notification unit 305.

  The operation result information is, for example, information indicating the selected difference difference ID, the non-selected difference difference ID, and the total amount of the selected difference. When the reject button B2 is operated, even if there is a difference in the selected state, the difference ID of all the differences is indicated as the difference ID of the differences not selected, and 0 as the total amount. Operation result information indicating a circle is supplied to the consent / non-acceptance notification unit 305.

  The consent availability notification unit 305 notifies the fund management support server device 20 of the operation result by the consent availability operation reception unit 304. The consent / non-acceptance notification unit 305 stores in advance destination information (such as an IP address) indicating the destination of the fund management support server device 20. When the operation result information is supplied from the approval / non-permission operation receiving unit 304, the acceptance / non-permission notification unit 305 stores operation result data in which the supplied operation result information is associated with the user ID of the user of the own apparatus. To the destination indicated by the destination information (i.e., the fund management support server device 20).

  When the consent request is displayed on the money management support server device 20 by transmitting the operation result data by the approval / notification notifying unit 305, the operation result data is accepted when the operation for accepting the money management is performed. Informing that the fund management of the total amount of money indicated has been accepted, and in the case where the operation for refusing the fund management is performed, this is notified. The consent availability notification unit 305 is an example of the “notification unit” in the present invention.

  Further, the consent / non-acceptance notification unit 305 stores the operation result data and the transmission date and time of the operation result data in association with each other so that the history of the difference in which the fund operation has been accepted or rejected can be confirmed later. The operation result data is information indicating the funds to be allocated for the fund management when the operation for accepting the fund management is accepted. The consent availability notification unit 305 is an example of the “storage unit” in the present invention.

  The consent / non-acceptance notification unit 305 transmits the operation result data, for example, the local time (the date and time calculated by the time difference from the world standard time, +9 hours in Japan) of the money operation support server device 20 when the operation result data is received. Remember as date and time. Thereby, even when the user terminal 30 accesses the fund management support server device 20 from overseas, the transmission date and time is stored in Japan time.

  The acceptance / non-acceptance accepting unit 207 of the fund management support server device 20 accepts the acceptance or non-acceptance of the consent requested by the consent requesting unit 206. When the acceptance / non-acceptance reception unit 207 receives the operation result data transmitted from the user terminal 30, if the operation result data indicates a total amount of 1 yen or more, funds are managed by the total amount indicated by the operation result data. Is accepted, and when the operation result data indicates 0 yen as the total amount, it is accepted that the fund management is rejected.

  As described above, the consent requesting unit 206 and the consent / non-acceptance receiving unit 207 perform one or more of the operations performed before the user performs a predetermined operation (in the present embodiment, an operation of selecting an object to be consented and an operation of pressing an acceptance button B1). It functions as the consent acquisition part 220 which acquires the consent about using the service which allots the said difference in commerce to funds for operation. The consent acquisition unit 220 is an example of the “acceptance acquisition unit” in the present invention.

  More specifically, the consent acquisition unit 220 acquires the aforementioned consent of the user whose household information is stored in the household information storage unit 103 of the household account server 10 for the difference calculated from the similarly accumulated expenditure information. Do. Regarding the point service, the consent acquisition unit 220 acquires the consent of the user indicated by the user ID acquired and accumulated from the system of the point service provider about the difference calculated from the similarly accumulated payment information.

  Upon acceptance or rejection of acceptance, acceptance / non-acceptance reception section 207 sends to difference storage section 204 the status of the difference associated with the user ID and the difference ID indicated by the operation result data, according to the acceptance / acceptance status of acceptance. Instruct to change. Upon receiving this instruction, the difference accumulation unit 204 changes the status of the difference for which the consent request has been made from "unrequested" to "accepted" or "rejected" as instructed.

  The history display unit 306 of the user terminal 30 displays the history of the difference for which the fund management has been accepted in the past. When the user performs an operation of displaying the history of the accepted difference, the history display unit 306 requests the money operation support server device 20 for the history of the difference. When receiving the request, the difference accumulation unit 204 of the fund management support server device 20 transmits the history of the requested difference to the user terminal 30 of the request source.

  Thus, the difference accumulation unit 204 transmits, to the user terminal 30, difference information respectively indicating the differences accumulated for a plurality of transactions performed before the second period. The difference information is an example of the “amount information” in the present invention, and the difference accumulation unit 204 is an example of the “transmission unit” in the present invention. In the present embodiment, the difference accumulation unit 204 does not transmit the history of rejected differences. The history display unit 306 indicates that, as a history of transmitted differences, the fund management of each difference, the total amount of the differences, and the total amount of money has been accepted in the past (the transmission date of the operation result data) Display a string and

  FIG. 7 shows an example of the displayed difference history. In the example of FIG. 6, the history display unit 306 has selected the character string "I have accepted 1/22 fund management for the following fishing", the payment date of the transaction, and the difference in the transaction. A character string indicating the total amount of the difference (in this example, “1468 yen”) is displayed on the display of the output device 36 as the history of the difference C1. Further, the consent request display unit 303 displays a plurality of individual selection buttons B4, a change reflection button B5, and a consent withdrawal button B6.

  The history display unit 306 supplies the information indicating the display area of each button and the acquired operation result data to the withdrawal operation reception unit 307. The withdrawal operation accepting unit 307 accepts the withdrawal operation of the user, which indicates withdrawal of the acceptance of the fund management performed in the past. When an operation of tapping the withdrawal button B6 for acceptance is performed, the withdrawal operation accepting unit 307 accepts the operation as a withdrawal operation for withdrawing the consent for all the differences.

  In addition, the withdrawal operation accepting unit 307 accepts an operation of tapping the individual selection button B4 as an operation of switching the presence / absence of selection of each difference as in the example of FIG. An operation of tapping the change reflection button B5 after switching from “O” to “x” is accepted as a withdrawal operation for withdrawing the consent for the difference. When the withdrawal operation accepting unit 307 accepts any withdrawal operation, the withdrawal operation accepting unit 307 supplies the withdrawal notification unit 308 with the difference ID of the difference whose acceptance has been withdrawn.

  When the difference ID is supplied from the withdrawal operation reception unit 307, the withdrawal notification unit 308 notifies the fund management support server device 20 that the acceptance of the fund management has been withdrawn for the difference between the difference IDs. The withdrawal notification unit 308 performs this notification by transmitting withdrawal notification data indicating the supplied difference ID, the fact that the consent has been withdrawn, and the user ID of the user of the own device to the fund management support server device 20.

  The withdrawal accepting unit 208 of the fund management support server device 20 accepts withdrawal of the acceptance of the fund operation notified from the withdrawal notification unit 308. The withdrawal accepting unit 208 withdraws the consent by receiving, from the user terminal 30, withdrawal notification data indicating the difference between withdrawal of the application of funds from the difference indicated by the difference information transmitted by the difference accumulation unit 204. Accept The withdrawal notification data indicates the difference between the difference indicated by the difference information indicating that the withdrawal of funds has been withdrawn from the difference information, and at the same time, it is selected from among the differences to apply for funds without withdrawal of consent. Will also show the difference. The withdrawal notification data is an example of the “selected amount information” in the present invention, and the withdrawal reception unit 208 is an example of the “reception unit” in the present invention.

  When receiving the withdrawal notification data transmitted from the user terminal 30, the withdrawal accepting unit 208 determines that the acceptance is withdrawn, and the difference associated with the user ID and the difference ID indicated by the withdrawal notification data. The difference accumulation unit 204 is instructed to change the status of the status from acceptance to rejection. When receiving the instruction, the difference accumulation unit 204 changes the status of the differences from “accepted” to “rejected” as instructed.

  The fund transfer timing determination unit 209 of the fund management support server device 20 determines the transfer timing for transferring the accumulated amount of the difference obtained as the consent of the fund management from the first account to the second account. The first account is an account in which the user's funds are stored, for example, a common account in the name of the user. The first account is not limited to that, and may be an account (a securities company, a telecommunications carrier, a point service provider, etc. account) in which the money available to the user described above is stored.

  In the present embodiment, the bank server 4 shown in FIG. 1 manages the money of the first account. The second account is an account for storing funds when performing fund management accepted by the user, for example, an account of a money management company. In the present embodiment, the bank server 5 shown in FIG. 1 manages the money of the second account. The fund transfer timing determination unit 209 is a second period including a plurality of the first periods described above from the reference date described above (the date determined by the request destination user; determined based on the local time of the fund management support server device 20). When has passed, it is determined that the movement time has come.

  In this embodiment, a period including the same number of first periods as the number of days in each month is defined as the second period. According to this method, each month from January to December is the second period. Each of the first period and the second period has a predetermined length. The fund transfer timing determination unit 209 determines that the fund transfer timing has come when the period provided for the consent of the fund management for the last first period has passed since the end of the second period. Do.

  For example, assuming that the period for consent is three days, the fund transfer timing determination unit 209 determines that the second period ends at 1/31 and the next day after three days from 2/1 to 2/3 have passed. When it is 2/4, it is judged that it is time to move funds. When the fund transfer timing determination unit 209 determines that the fund transfer timing has come, among the differences accumulated in association with the user ID of the request destination user, the ones whose status is “accept” are stored together with the difference ID with the difference accumulation unit It reads from 204 and supplies the read difference and difference ID to the movement instruction process execution unit 210 together with the user ID of the request destination user.

  When the transfer instruction processing execution unit 210 is supplied with the difference and the difference ID for which the fund management has been accepted from the money transfer timing determination unit 209, the transfer instruction process execution unit 210 calculates the sum of the differences as a cumulative amount. When the second period described above has elapsed, the movement instruction process execution unit 210 executes the movement instruction process instructing movement from the first account to the second account of the accumulated amount of the difference obtained for which the consent has been obtained. Do. The movement instruction process execution unit 210 is an example of the “execution unit” in the present invention.

  The difference for which the consent is obtained does not include the difference for which the consent is withdrawn. That is, when the withdrawal instruction processing execution unit 210 receives the consent and then executes withdrawal of the consent by the withdrawal reception unit 208 before executing the movement instruction process, the difference for which the acceptance is withdrawn is calculated from the accumulated amount. Execute movement instruction processing with the reduced amount. In other words, the movement instruction process execution unit 210 indicates the accumulated amount of the difference selected to be used for fund management (the difference for which the acceptance has been withdrawn from the accumulated amount) indicated by the withdrawal notification data received by the withdrawal accepting unit 208 Execute a process of instructing to move between accounts).

  The move instruction process execution unit 210 moves the process of transmitting, to the settlement agent server 3 shown in FIG. 1, request data for requesting that the same amount as the calculated accumulated amount be moved from the user account to the money management company account. Execute as instruction processing. When the settlement agent server 3 receives this request data, it makes the same amount as the accumulated amount for the account of the money management company managed by the bank server 5 from the account of the user to the bank server 4 which manages the account of the user. Request to move. Based on this request, the bank server 4 transfers the same amount as the accumulated amount from the user account to the money management company account, and the bank server 5 transfers the money amount transferred to the money management company account The transfer of funds is completed.

  The request data transmission destination, that is, the request destination of transfer of funds between accounts may be the bank server 4 instead of the settlement agent server 3, and payment such as prepaid card, point exchange, mobile carrier settlement agent, etc. It may be an institution. In short, as long as funds are transferred between accounts for fund management, the request destination may be anywhere. Also, if transfer of funds between accounts is performed as a result, the transfer instruction process execution unit 210 performs any process for transfer instruction processing (transfer of the accumulated amount of the difference from the first account to the second account). It may be executed as a process of instructing).

  As described above, the accumulated amount of the difference accepted by the user is deposited into the account of the money management company, whereby the user's operation of the accumulated amount is started. When the movement instruction process execution unit 210 executes the movement instruction process, the movement instruction process execution unit 210 instructs the difference accumulation unit 204 to change the status associated with the difference ID of the difference for which the accumulated amount is calculated to “moved”. When the difference accumulation unit 204 receives this instruction, the difference accumulation unit 204 changes the status of the indicated difference ID to “moved”. As a result, no consent is required again for the difference that was once used for fund management.

Based on the configuration described above, each device included in the fund management support system 1 performs accumulation processing that accumulates the difference between the payment amount and the amount that rounded up the payment amount, and of the accumulated difference, the amount accepted by the user Perform operation support processing to support the allocation of funds.
FIG. 8 shows an example of the operation procedure of each device in the accumulation process. This operation procedure is started, for example, when the user takes a picture of a receipt at the user terminal 30. First, the user terminal 30 (receipt reading unit 301) reads the expenditure information described in the receipt (step S11).

  Next, the user terminal 30 (spending information transmitting unit 302) transmits the read spending information to the household account server 10 (step S12). The household finance server device 10 (the expenditure information acquisition unit 102) acquires the transmitted expenditure information of the user (step S13). In addition to the expenditure information read from the receipt, the household account book server device 10 (expense information acquisition unit 102) also acquires expenditure information acquired from the system of the personal site of the financial institution or the point service provider. Next, the household account server 10 (household information storage unit 103) stores the acquired expenditure information as user's household information (step S14).

  Next, the fund management support server device 20 (payment amount acquisition unit 201) requests the expenditure information to the household account server device 10 storing the expenditure information indicating the payment amount in commerce (step S21). Upon receipt of this request, the household account book server device 10 (household information storage unit 103) reads out the accumulated expenditure information (step S22), and transmits it to the fund management support server device 20 (step S23). The fund management support server device 20 (payment amount acquisition unit 201) acquires the payment amount indicated by the transmitted expenditure information (step S24).

  Next, the fund management support server device 20 (the difference calculating unit 202) calculates the difference between the acquired payment amount and the amount obtained by rounding up the payment amount (step S25). Subsequently, the fund management support server device 20 (difference acquisition unit 203) acquires the calculated difference (step S26). Next, the fund management support server device 20 (the difference accumulation unit 204) associates the acquired difference with the corresponding user ID and the like and accumulates the same (step S27).

  FIG. 9 shows an example of the operation procedure of each device in the operation support process. This operation procedure is started, for example, when the user terminal 30 performs a predetermined operation. First, the user terminal 30 (consent request display unit 303) transmits inquiry data for inquiring whether or not there is a consent request to be displayed to the fund management support server device 20 (step S31). Next, the funds management support server device 20 (the consent request unit 206) makes an inquiry source of request data for requesting the user to consent to use the difference in one or more commerce transactions made before the predetermined operation for the fund management To the user terminal 30 (step S32).

  The user terminal 30 (consent request display unit 303) displays the consent request indicated by the request data transmitted from the fund management support server device 20 (step S33). Next, the user terminal 30 (the consent / non-acceptance operation receiving unit 304) receives the user's operation indicating whether or not the consent request is accepted (step S34). Subsequently, the user terminal 30 (consent availability notification unit 305) notifies the fund management support server device 20 of the operation result in step S34 (step S35).

  The fund management support server device 20 (approval acceptance unit 207) accepts the approval of the request requested in step S32 (step S36). Then, the fund management support server device 20 (the difference accumulation unit 204) reflects the acceptability of the accepted consent on the status of the accumulated difference (step S37). Specifically, the fund management support server device 20 (the difference accumulation unit 204) changes the status of the difference to "accepted" when accepted, and changes the status of the difference to "rejected" when rejected. change.

  Thereafter, based on the display operation by the user, the user terminal 30 (history display unit 306) displays the history of the difference for which the fund management has been accepted in the past (step S41). Next, the user terminal 30 (withdraw operation accepting unit 307) accepts withdraw operation by the user indicating withdrawal of the displayed consent (step S42). Subsequently, the user terminal 30 (withdrawal notification unit 308) notifies the fund management support server device 20 that the acceptance of the fund management has been withdrawn (step S43). The fund management support server device 20 (withdrawal accepting unit 208) accepts withdrawal of the consent for the fund operation notified from the user terminal 30 (step S44).

Next, the fund management support server device 20 (difference accumulation unit 204) reflects the withdrawal of the accepted consent in the status of the accumulated difference (step S45). Specifically, the fund management support server device 20 (the difference accumulation unit 204) changes the status of the difference for which the consent has been withdrawn from “accept” to “reject”. Thereafter, when the second period including a plurality of first periods elapses, the fund management support server device 20 (fund transfer timing determination unit 209) causes the accumulated amount of the difference obtained to obtain the consent for the fund management to be the first account. It is determined that it is time to move to the second account from (step S51).

  Next, the money operation support server device 20 (movement instruction process execution unit 210) executes the movement instruction process for instructing the movement of the accumulated amount described above (step S52). Then, the funds management support server device 20 (difference accumulation unit 204) reflects that the movement instruction process has been performed on the status of the accumulated difference (step S53). Specifically, the fund management support server device 20 (the difference accumulation unit 204) changes the status of the difference for which the movement instruction process has been performed from “accepted” to “moved”.

  As the transfer instruction process is executed and the funds are moved from the account, a fee is generated, so it is desirable that the number of the transfer instruction process be small. On the other hand, if the amount of money to be moved increases, it is likely that the user is likely to have a psychological resistance to the use of funds. In this embodiment, a consent request is issued each time a first period elapses, and a movement instruction process is executed when a second period including a plurality of first periods elapses. As a result, the number of transfers is reduced as compared with the case of transferring funds each time a request for consent is made.

  In addition, the accumulated amount of the difference that makes one consent request is kept low compared to the case where the consent request is made only at the time of fund transfer. As described above, according to this embodiment, it is possible to easily obtain the user's consent for fund management while reducing the number of times of fund transfer. Further, in the present embodiment, there is a time lag from the acceptance of the allocation to the fund management to the actual transfer of the fund, so that the consent can be withdrawn when reconsidering to stop the fund management. In particular, since the time lag is longer as the fishing accepted earlier in the second period is longer, it is possible to take a longer time to rethink whether or not to use for money management.

  In addition, since the movement instruction process is executed when the second period whose length is determined in advance elapses, the second period is performed even if the user does not do anything if at least one difference is accepted. The inter-account transfer of the accumulated amount is always performed when If it is necessary for the user to perform an inter-account transfer, there may be a case where the inter-account transfer is not performed until the operation is forgotten even though there is an accepted difference, but in this embodiment You can make sure that nothing happens.

  Further, in the present embodiment, even if the transaction is a cash transaction, if the user uses the point service, the difference is calculated based on the expenditure information acquired from the point service provider's system. It is supposed to be. When the user uses the point service, it is only necessary to present the point card as usual, and if the user is registered in advance, there is no need to perform a special operation in commerce. As a result, when the difference calculated from the commercial transaction in which the cash payment is made is used for fund management, it is possible to prevent the user from having extra time and effort.

[2] Modification The embodiment described above is merely an example of the present invention, and may be modified as follows. In addition, the embodiment and each modification may be combined and implemented as needed.

[2-1] Acquisition Method of Payment Amount The payment amount acquisition unit 201 of the fund management support server device 20 may acquire the payment amount by a method different from the embodiment. The payment amount acquisition unit 201 uses, for example, the same method as the expense information acquisition unit 102 of the household account server 10 (the method of reading the transaction history from the personal site and the method of acquiring the expenditure information described in the receipt). You may get it.

  In addition to the household account server device 10, the payment amount acquisition unit 201 may use a POS (Point Of Sale) system used by a store, a sales management system of a mail order business, a credit card, electronic money, etc. The payment amount may be obtained from a system that holds the payment amount of the user, such as a payment system, a system that manages points used by a provider of point service, and the like (the user and each carrier and the payment amount It shall be agreed upon acquisition).

[2-2] Personal Site The personal site from which the user's income information and expenditure information are obtained is not limited to the sites provided by the financial institutions and point service providers mentioned above. In addition, sites where usage histories provided by businesses developing credit card services are listed, sites where usage histories provided by businesses deploying electronic money services are listed, and aggregation services (different services The site where the usage history and the point history etc. provided by the company that develops the service of aggregating and displaying the information in (a) may be used.

[2-3] Option of Fund Management The consent request unit 206 may provide an option of fund management method when requesting the user to give consent for fund management of the difference. For example, the consent request unit 206 provides the low risk low return operation method, the high risk high return operation method, and the risk and return intermediate operation methods as options. In this case, the user performs an operation of selecting one of the operation method options in the case of accepting, in addition to the operation of acceptance and rejection of the fund management.

  In addition, the movement instruction process execution unit 210 executes a process of moving the funds to the account of the operating company that provides the selected operation method as the movement instruction process. Thereby, the degree of freedom in fund management can be increased compared to the case where there is no choice of management method. Note that these options may not be unintentionally changed unless the user explicitly changes them. This can prevent the risk level in fund management from increasing without the user's knowledge.

[2-4] Necessary procedures for fund management In order to conduct fund management, the user's funds are moved from the user's account to the account designated by the manager, but for that purpose the financial institution designated by the manager Procedures such as opening an account may be required. In the following, the procedure necessary for moving the accumulated amount of the difference from the first account to the second account, which is the premise of fund management, is referred to as the “operation premise procedure”.

  In the fund management support system 1, as described in the embodiment, there is a time lag from when the consent request is made to when the funds actually move, so it is used in commerce before the operation premise procedure is completed using it. Even if the difference is, it may be possible to use it for fund management after the operation premise procedure is completed. In the present variation, the payment amount acquisition unit 201 acquires the payment amount in the commerce performed before the completion of the operation premise procedure, and the difference calculation unit 202 calculates the difference from the payment amounts thus acquired.

  The difference acquisition unit 203 acquires the difference thus calculated, that is, the difference in the commerce made before the operation premise procedure is completed. When the difference acquisition unit 203 acquires this difference, the accumulated amount of the difference to be subjected to the movement instruction process includes the difference in the commerce made before the operation premise procedure is completed. Further, if the operation premise procedure is not completed even after the first period has elapsed, the consent request unit 206 performs the above-described consent request (generation and transmission of request data) before the operation premise procedure is completed.

  On the other hand, since the move instruction process execution unit 210 can not move the funds even if the move instruction process is executed before the operation premise procedure is completed, the move instruction process is executed after the operation premise procedure is completed. . Specifically, for example, when the fund transfer time comes before the completion of the operation premise procedure, the transfer instruction processing execution unit 210 transfers processing of transmitting request data for requesting transfer of funds to the settlement agent server 3 as transfer instruction processing Run as.

  However, since the operation premise procedure has not been completed and, for example, a necessary account has not been opened, the settlement agent server 3 can not complete the transfer of funds, and notifies the money operation support server device 20 to that effect. come. When receiving the notification, the movement instruction process execution unit 210 transmits request data again after a predetermined period (for example, one day) has elapsed. The transfer instruction process execution unit 210 re-sends the request data each time the notification is sent in this way, whereby when the operation premise procedure is completed, the funds are moved based on the transmitted request data.

  The movement instruction process execution unit 210 executes the movement instruction process after the operation premise procedure is completed as described above. According to this modification, the difference in the commerce made before the operation premise procedure is completed can also be used for the operation. In addition, even before the operation premise procedure is completed, it is possible to confirm the intention as to whether or not the user agrees to allocate the difference to the fund management.

[2-5] Difference Accumulation Period In the embodiment, the difference acquisition unit 203 acquires the difference in the commercial transaction performed on that day every day and accumulates the difference in the difference accumulation unit 204. However, the present invention is not limited thereto. This is because several days may elapse after the commerce is performed until the difference in the commerce is accumulated. In that case, for example, it may happen that the consent request for the difference in the commerce performed in the first first period is made after the second period and subsequent first periods.

  In the embodiment, the consent request unit 206 generates the request data for requesting consent for the difference in one or more transactions made in the first period every time the first period elapses, as described above. When it takes time to accumulate the difference, each time the first period elapses, both before the expiration of the first period (that is, both the first period and the first period before it) Request data for requesting approval to use the difference in one or more transactions made in a period including

  Here, “before the expiration of the first period” also includes a second period prior to the current second period. That is, the requirement data is generated each time the first period elapses with respect to the acceptance of the fund operation of the difference newly acquired by the difference acquisition unit 203 in the first period, and the difference is calculated. The time when the commerce being done is done may be any time.

[2-6] Withdrawal of refusal In the embodiment, although it was possible to withdraw and deny the fund management once accepted, on the contrary, it may be possible to withdraw and accept the fund management once denied. In that case, for example, the history display unit 306 displays the history of the differences for which the fund management was denied in the past, and the withdrawal operation accepting unit 307 performs the withdrawal operation of the user indicating the withdrawal of the rejection of the fund management performed in the past. Is supplied to the withdrawal notification unit 308 as the difference ID of the difference for which the rejection is withdrawn.

  Next, the withdrawal notification unit 308 notifies the fund management support server device 20 that the refusal of the fund management has been withdrawn for the difference of the supplied difference ID, and the withdrawal reception unit 208 of the fund management support server device 20, Upon accepting the withdrawal of the notified rejection of the fund management, the difference accumulation unit 204 changes the status of the difference whose rejection is withdrawn from "reject" to "accept". As a result, the transfer instruction processing is executed for the accumulated amount including the difference for which the rejection has been withdrawn, and the funds are invested.

[2-7] Re-agreement request of the rejected difference In the embodiment, the acceptance request is not made for the difference which has been once refused to be allocated to the fund management, but the consent request may be made again. In this case, when the request timing determination unit 205 of the money operation support server device 20 determines that the request time has come, the status is “not requested” among the differences accumulated in association with the user ID of the request destination user and What is "reject" is read from the difference storage unit 204 together with the corresponding difference ID, and supplied to the consent request unit 206 together with the user ID of the request destination user.

  The consent request unit 206 generates and transmits request data as in the embodiment, for example. In that case, since the total amount of the difference naturally increases, the consent request unit 206 separately requests the consent for the total amount of the “unclaimed” difference and the total amount of the “rejected” difference. May be In that case, the consent request display unit 303 of the user terminal 30 displays the consent button and the refusal button for each of the two total amounts, and allows the user to select consent and refusal for each. The transfer instruction processing execution unit 210 of the fund management support server device 20 executes the transfer instruction processing on the accumulated amount of the difference for which the consent of the fund management has been obtained. According to this modification, it is possible to increase the opportunity to obtain consent for fund management.

[2-8] Re-request for consent at the fund transfer time In the example, when the fund transfer time is reached, the move instruction process is executed after consent is required for the difference in the last first period, Even if consent has already been obtained for the difference in period 1, consent for final confirmation may be required.

  In the present variation, when the fund transfer timing determination unit 209 determines that the fund transfer timing has come, the difference ID of the difference whose status is “accepted” among the differences included in the second period is used as the difference It is read from the storage unit 204 and supplied to the consent request unit 206 together with the user ID of the request destination user. The consent request unit 206 is a request that indicates a character string indicating that the consent for reserving the difference of the supplied difference ID is used again for the fund management, the difference associated with the difference ID, and the payment date. Data is generated and transmitted to the user terminal 30.

  The consent request display unit 303 of the user terminal 30 displays the difference indicated by the received request data, that is, the difference when the payment date is included in the second period and the fund management is accepted in the same manner as in the example shown in FIG. Then, the user is allowed to select whether to accept the fund management of all the differences again, reselect the accepted difference, or to reject the fund management of all the differences. As described above, by requesting consent again when the second period has elapsed, the user is more strongly felt that his intention is respected and the satisfaction is improved, compared to the case where this request is not made. It can be done.

[2-9] Operation Status of Funds The operation status of funds approved by the user for fund operations may be viewable on the user terminal. In this case, the money operation server device 6 provides the money operation status to the user terminal 30 via, for example, the money operation support server device 20, and the user terminal 30 displays the provided operation status. The provided operation status includes, for example, the performance of the operation funds displayed according to the daily stock prices etc., the future fund formation projection when the operation is continued, and the daily transaction data.

[2-10] Acquisition Method of Consent In the embodiment, the consent acquisition unit 220 acquires the consent when the operation of selecting the consent target and the operation of pressing the consent button B1 are performed, but the present invention is not limited thereto. The consent acquisition unit 220 may acquire a consent, for example, when an operation to open the fishing operation service screen is performed. In that case, when the operation to open the fishing operation service screen is performed, the consent / non-acceptance notification unit 305 of the user terminal 30 consents to use the service for operating the difference as a fund for the transaction made before the operation. The consent data is transmitted to the fund management support server device 20.

  The consent acquisition unit 220 acquires the above consent by receiving the consent data. This makes it possible to reduce the time and effort of the user when all the differences are used for fund management, as compared with the case where the acceptance targets are selected one by one. Further, for example, each time the user performs an operation to select the acceptance target (even if the acceptance button B1 is not pressed), acceptance data for accepting the selected difference may be transmitted. In short, the consent acquisition unit 220 may acquire the consent when any operation is performed as long as the operation can confirm the user's consent.

[2-11] Device for Implementing Each Device The device for implementing each function shown in FIG. 4 and the like is not limited to the device represented in those figures. For example, one device may realize each function of the household account server 10 and the fund operation support server device 20, or three or more devices may share the respective functions.

  FIG. 10 shows an example of a functional configuration realized by the fund management support system of this modification. In FIG. 10, the money operation support system 1a provided with the household account server device 10a and the money operation support server device 20a is shown. The household account server 10 a includes a payment amount acquisition unit 201 and a difference calculation unit 202 in addition to the units shown in FIG. 4. The fund management support server device 20a includes the respective units other than the payment amount acquisition unit 201 and the difference calculation unit 202 among the units shown in FIG. In this case, the payment amount is acquired from the household finance information accumulated by the household account accounting server device 10a, and the difference is calculated. The fund management support server device 20a acquires the calculated difference from the household account server device 10a.

  FIG. 11 illustrates an example of a functional configuration realized by the user terminal of the present modification. In addition to each part with which the user terminal 30 is equipped in FIG. 4, in FIG. 11, the user terminal 30b provided with each part with which the money operation support server apparatus 20 is provided is represented. In this case, the user terminal 30b is used as an information processing apparatus that acquires the payment amount of the user using the own apparatus and performs acceptance request, acceptance of acceptance / rejection, acceptance of withdrawal, movement instruction processing, etc. from calculation of the difference. . In short, as long as these functions are realized as the entire fund management support system, the fund management support system may include any number of devices.

[2-12] First Period and Second Period The first period is not limited to the above-described period (one day). For example, the period may be shorter or longer than one day, or may be constant. In addition, the number of first periods included in the second period may not be constant (the same number as the number of days of each month) as in the embodiment, or may be constant. Also, for example, when a push-type consent request is made, the first period may be changed according to the acquired difference.

  For example, the first period is a period in which the accumulated amount of the difference acquired by the difference acquisition unit 203 is less than the first threshold. In this case, the request timing determination unit 205 sets the accumulated amount to 0 at the start of the reference date, and adds it every time the difference acquisition unit 203 acquires the difference to calculate the accumulated amount. When the calculated accumulated amount becomes equal to or greater than the first threshold, the request time determination unit 205 determines that the first period has elapsed from the reference date to the previous day as the first period, that is, the accumulated amount is the first accumulated period. It is determined that the required time has come on the day when it becomes 1 threshold or more.

  By determining the request time in this manner, the total amount of the difference for which consent is requested by the consent request unit 206 is less than the first threshold. As the first threshold, it is preferable to use an amount of money (for example, an amount of money investigated by a questionnaire or the like) which is assumed to make it difficult for the user to have a psychological resistance to fund management. By doing so, the user will always be required to approve the fund management for an amount smaller than that amount, and the user's approval for the fund management will be obtained as compared with the case where a larger amount of consent is required. It can be made easy.

  According to this method, the first period may only expire one time before the second period expires (the accumulated amount may not reach the first threshold only once in the second period). For example, there is also a case where the first period has never expired (when the accumulated amount has not reached the first threshold even once in the second period). In the latter case, no consent request is made even once, and there is no amount of consent obtained, so the move instruction process can not be executed. On the other hand, in the case of the former, since the consent request is performed once, when the movement instruction process execution unit 210 passes the second period, the accumulated amount of the difference obtained in the consent by the one consent request Execute move instruction processing.

  That is, the movement instruction process execution unit 210 executes the movement instruction process when the second period which includes one or more first periods and whose length is determined in advance has elapsed. As a result, if one or more of the first period is included in the second period, that is, if the user's consent request has been made even once, the accumulated amount of the difference accepted there is used for fund management .

  A different value may be used for each user as the first threshold. As parameters for that, for example, profile information (sex, age, place of residence, hobbies etc.) of registered users and operation status of funds provided from the fund operation server device 6 (performance, fund formation projection, transaction data etc.) User related information (information about the user) such as is used.

  FIG. 12 shows an example of a functional configuration realized by the money operation support server device of this modification. 12, in addition to the units included in the money operation support server device 20 in FIG. 4, the money operation support server device 20c including a user related information acquisition unit 211 and a user related information storage unit 212 is shown. The user related information acquisition unit 211 acquires profile information of the user registered in the fund operation support system from, for example, the storage unit of the own device, and acquires the operation status of the fund from the fund operation server device 6 shown in FIG. . The user related information acquisition unit 211 supplies the acquired user related information to the user related information storage unit 212.

  The user related information storage unit 212 stores the supplied user related information in association with the user ID of the user to which the information is related. When the request time determination unit 205 calculates the accumulated amount by adding the difference of a certain user acquired by the difference acquisition unit 203, the user related information stored in association with the user ID of the user is associated with the user related information It is read from the storage unit 212. The request time determination unit 205 determines that the first period has elapsed when the calculated accumulated amount is equal to or more than a first threshold value corresponding to the read user related information. This determination is performed, for example, using a first threshold value table in which user related information and a first threshold value are associated.

  FIG. 13 shows an example of the first threshold value table. In FIG. 13, the operating amounts "A11 less", "A11 or more and less than A12", "A12 or more" (A11 <A12) as user related information, and "B11", "B12", "B13" (B11 <B12 < A first threshold B13) is associated. For example, if the operation amount read out as user-related information is "less than A11", the request time determination unit 205 uses "B11" as the first threshold, and if the operation amount is "A12 or more", "B13" Is used as the first threshold.

  In the present modification, as described above, the value corresponding to the user related information acquired by the user related information acquisition unit 211 is used as the first threshold. When the first threshold value table shown in FIG. 13 is used, the request timing determination unit 205 uses the larger first threshold value for a user with a larger operating amount. Generally, the larger the user's investment amount, the more active the money is and the more likely it is that the amount of money for which it is easy to agree to use the money is large. On the other hand, the smaller the first threshold, the shorter the first period, and in the case of the push type, the acceptance request is frequently made.

  A user who has a large amount of money in operation tends to be able to freely agree if the number of acceptance requests is small but the frequency of acceptance requests is small, rather than receiving such consent requests frequently. On the other hand, a user who has a small amount of money in operation tends to be difficult to accept if the amount of money per time is large, so even if it is somewhat annoying, it tends to be easier to shorten the amount of money per time by shortening the first period. become. In this modification, by using the above-described first threshold, consent requests are made at timings that are respectively easy to accept according to the user's operation amount, so compared to the case where the first threshold is fixed, It can make it easy to obtain the consent of fund management.

  In the example of determining the length of the first period by the accumulated amount described above, the second period is, for example, a period including the determined number of first periods. In this case, the earlier the accumulated amount increases, the shorter the first period and the second period. In the above example, the second period may be a fixed period (when the second period ends, the first period also ends regardless of the accumulated amount at that time). In that case, the faster the accumulated amount increases, the more the number of first periods included in the second period.

  In any of the above-described examples, the second period includes a plurality of first periods, and when the second period ends, the last first period also ends, and the next second period Is started at the same timing as the next first period. The first period and the second period may be determined on a daily basis, or may be determined on any unit of time, such as weekly, monthly, hourly or minutely.

  Also, the first period (if a push-type consent request is made) and the second period (both push-type and pull-type) may be different for each user according to the above-described user-related information. For example, the consent request unit 206 may make a consent request each time a predetermined period according to the user related information acquired by the user related information acquisition unit 211 elapses as a first period. In this case, the request timing determination unit 205 determines whether or not the first period has elapsed using, for example, a first period table in which user-related information is associated with the first period.

  FIG. 14 shows an example of the first period table. In FIG. 14, the number of consents “less than C11”, “more than C11 and less than C12”, and “C12 or more” (C11 <C12) as user related information, and “D11”, “D12”, “D13” (D11 <D12 <D12 < It is associated with a first period D13). The number of consents is the number of times that you have accepted fund management in the fishing management service. For example, if the number of consents read out as user related information is “less than C11”, the request time determination unit 205 uses “D11” as the first period, and if the number of consents is “C12 or more”, “D13”. Is used as the first period.

  Regarding ease of acceptance of fund management, users with a large number of consents are aggressive in fund management, so the above-mentioned trend tends to be the same as users with a large investment amount, and users with a small number of acceptances are reluctant to use funds. The above operation tends to be the same as a small user. In this modification, by using the above-mentioned first period, consent requests are made at timings that are respectively easy to accept according to the number of times the user consents, so compared to the case where the first period is fixed, It can be made easy to obtain the user's consent for fund management.

  In addition, for example, the movement instruction process execution unit 210 may execute the movement instruction process when a period predetermined in advance according to the user related information acquired by the user related information acquisition unit 211 has passed as a second period. . In this case, the fund transfer timing determination unit 209 determines whether or not the second period has elapsed using, for example, a second period table in which user-related information and the second period are associated.

  FIG. 15 shows an example of a second period table. In FIG. 15, user related information “20 or less,” “30s, 40s,” “50s or more” and “F11”, “F12”, “F13” (F11 <F12 <F13) The second period is associated. For example, if the user's age read out as user-related information is "20s", the fund transfer timing determination unit 209 uses "F11" as the second period, and if the age is "50s or more". "F13" is used as the second period.

  The longer the second period, the greater the amount of money moving out of the account after the second period has elapsed. Therefore, the user who earns a lot of money is likely to be proactive in fund management. With regard to the ease of consenting to fund management, users with high age are likely to be proactive in fund management because they have a large income, and tend to be the same as users with large investment amounts mentioned above, and users with low age have income. Because it is easy to be reluctant to use funds, it tends to be the same as the above-mentioned user with a small amount of funds. In this modification, by using the above-mentioned second period, consent requests are made at timings that are respectively easy to accept according to the user's age, so compared with the case where the second period is fixed, It is possible to make it easy to obtain the consent of fund management.

  The user related information (operation amount, number of consents, age) used as the parameters described in the examples of FIGS. 13, 14, and 15 is not limited to these, and other user related information (profit amount, return rate, The number of rejections, occupation, etc.) may be used. In any case, by using user related information that has a correlation with the aggressiveness to the fund management, each period is fixed because the consent request is made at a time when it is easy to accept each according to the aggressiveness of the user. Compared to the case, it is easier to obtain the user's consent for fund management.

  In addition, the acceptance ratio of fund management when using the first threshold, the first period, and the second period according to the user related information (for example, the ratio of the number of differences approved for fund management among the number of total differences) ), And if the acceptance rate is lower than the target value, the correlation with the user related information may be changed. For example, in the example of FIG. 13, when the acquired consent rate is lower than the target value, the request timing determination unit 205 increases or decreases the values of A11 and A12 as the operation amount threshold, Determine the value when the consent rate is higher than the target value. Further, instead of the threshold value of the operating amount, the value of the first threshold may be changed, or both of the values may be changed. The same applies to the case where the request timing determination unit 205 obtains each value shown in FIG. 14 and the case where the fund transfer timing determination unit 209 obtains each value shown in FIG.

  Also, as the first period, a period of time that expires when the user terminal 30 activates a specific program may be used. The user terminal 30 may activate the program by the operation of the user, or may activate the program when the power of the main body is turned on. The program referred to here is a program for realizing each part shown in FIG. 4 and is, for example, an application program provided by a company providing a fishing operation service. In this case, when the user terminal 30 starts the program, it notifies the fund management support server device 20 to that effect.

  When receiving the notification, the request timing determination unit 205 of the fund management support server device 20 determines that the first period has expired and it is time to make a consent request. Thus, the consent request unit 206 requests the user for consent each time the user terminal 30 activates the program, that is, each time the first period elapses. Note that, as the first period, a period that expires when the user performs a specific operation (for example, an operation for displaying the screen of the consent request shown in FIG. 6) may be used. In this case, even after the application is activated, for example, the latest difference can be updated each time the operation for displaying the consent request screen is performed.

[2-13] Received Amount In the example, the difference between the amount when the user paid the money (payment amount) and the amount rounded up to it was the target of fund management, but it is not limited to this, for example, The difference between the amount received when the user receives the money and the amount reduced the amount (the so-called fraction) may be the target of fund management. The money received by the user includes, for example, the salary of the user, the dividend of the stock held by the user, and the rent of real estate held by the user.

  In this case, the difference acquisition unit 203 acquires the difference between the received amount received by the user and the amount obtained by lowering the received amount. The consent request unit 206 requests the user to consent to use the difference in the one or more received amounts received before the expiration of the first period, for each time the first period has elapsed, for fund management. After that, as in the embodiment, acceptance of approval / disapproval and movement instruction processing are performed. In the present variation, the difference between the amount received and the amount of devaluation can also be used for fund management.

[2-14] Difference to be acquired In the above examples, the difference acquisition unit 203 acquires the difference between the payment amount and the rounding-up amount, and acquires the difference between the receiving amount and the devaluation amount, but is limited to this Absent. The difference acquiring unit 203 may acquire the difference between the payment amount and the devaluation amount, or may acquire the difference between the received amount and the revaluation amount. In addition, the difference acquisition unit 203 may acquire the difference obtained by multiplying the above payment amount or receipt amount by a specific value (for example, 3%).

  Further, the difference acquisition unit 203 may acquire the difference between the target value and the payment amount set by the user for the payment amount of the specific expenditure item. In this case, the user sets target values such as monthly electricity and living expenses, for example. The difference acquisition unit 203 acquires the difference between the target value and the payment amount when the payment amount of the expenditure item for which the target value is set falls below the target value. As a result, the amount of funds to be invested increases as the user saves, but the expenditure items do not exceed the target value regardless of how much the funds are invested. This allows the user to manage the funds without worrying that unexpected expenses will be incurred for managing the funds.

  Further, the difference acquisition unit 203 may acquire the difference between the target value set by the user for the receipt amount of the specific income item and the receipt amount. In this case, the user sets, for example, target values such as monthly income (which fluctuates due to overtime work, etc.) and stock dividend. The difference acquisition unit 203 acquires the difference between the target value and the payment amount when the amount of receipt of the income item for which the target value is set exceeds the target value. Thereby, the user can operate the funds after securing the income equivalent to the target value.

  In short, does the difference acquisition unit 203 acquire the difference calculated based on the payment amount in the commercial transaction (the difference with the rounding up amount, the difference with the cutting down amount, the difference between the specific value multiplied and the target value, etc.) As long as the difference calculated based on the received amount received by the user (this is also the difference with the rounding up amount, the difference with the cutting down amount, the difference between an amount multiplied by a specific value, and the target value, etc.) Good.

[2-15] Method of collecting the difference In the embodiment, the movement instruction process execution unit 210 executes the movement instruction process to collect the accumulated amount of the difference for which the consent has been obtained from the first account, the second I moved to the account, but the method of collecting the accumulated amount of the difference is not limited to this. For example, the accumulated amount of the difference may be collected by consigning the collection from the user to a company acting on behalf of the user. The business operator acting as collection agent is, for example, a business operator who collects money from the user in the main business, such as a telecommunications carrier, a power company, a credit card company, an insurance company.

  FIG. 16 illustrates an example of a functional configuration realized by the money operation support server device 20d of the present modification. The fund management support server device 20 d includes a collection information notification unit 215 instead of the movement instruction process execution unit 210 shown in FIG. 4. Similar to the movement instruction process execution unit 210, the collection information notification unit 215 calculates the accumulated amount of the difference when a second period including a plurality of first periods has elapsed. The collection information notification unit 215 generates information indicating the calculated accumulated amount as collection information indicating the amount of money to be collected (deducted) from the user's account.

  The collection information notification unit 215 transmits the generated collection information to a destination defined for the agency company of collection stored in advance. This destination may be a collection processing device that performs processing for collection operated by the agency business company, or may be a device that is an interface with the outside of a system including the collection processing device. The collection information transmitted to the destination is received by the collection processor, and the collection processor deducts the accumulated amount of the difference from the user's account.

  In this modification, it is assumed that the agency business of collection collects periodical business collection (for example, every month) like the above-mentioned telecommunications carrier or electric power company. Therefore, the collection processing device performs processing for deducting the amount obtained by adding the accumulated amount of the difference to the amount collected in the main business from the user's account. The collection processing apparatus first moves the amount of money withdrawn in this way to the account of the company operating it. Subsequently, the collection processing device carries out processing of transferring (transferring) the accumulated amount of the difference from the account of the business entity to the account of the money management company. By these processes, the accumulated amount of difference from each user's account is transferred to the money management company's account.

  In the present modification, as described above, when the collection information notification unit 215 passes the second period including the plurality of first periods, the accumulated amount of the difference obtained by the user for acceptance is collected. Notify the acting business. The collection information notification unit 215 is an example of the “notification unit” in the present invention. In the case of transferring the accumulated amount from the first account in which each user's funds are stored to the second account (the account of the fund management company) as in the embodiment, the fees for moving the account are the same as the number of first accounts. Occur.

  On the other hand, in the present variation, in the case of a business operator acting as a collection agent, such as a telecommunications carrier or a power company, collecting money from the user on a regular basis, it is accumulated to the collection amount as described above. It will be collected by adding the amount. In that case, for the business operator acting as a collection agent, the fee generated when deducting the accumulated amount from the user's account does not change, and only the transfer fee from the own account to the money management company account newly occurs.

  Therefore, since the fee paid to the bank is greatly reduced compared to the case where the account transfer fee is incurred by the number of the first account, if the agent's fee for collection is paid within the range of the reduced fee, It is possible to reduce the cost of fishing operation service. In the present variation, the accumulated amount collected from the user, that is, the money available to the user described above is stored in the account of the business entity acting as the collection agent. That is, the bank server that manages this account corresponds to the bank server 4 shown in FIG.

  Therefore, for example, the transfer instruction process execution unit 210 sets the account of the business entity acting on behalf of the collection as the first account and the account of the fund management company as the second account. A move instruction process may be performed that instructs a move from an account to a second account. When the collection processing device receives this instruction, it debits the accumulated amount to be transferred from the first account to the second account from the user account, moves it to the first account, ie, the business account, and Perform processing to move the accumulated amount to the second account. Whether the collection information notification unit 215 performs notification or the movement instruction process execution unit 210 performs movement instruction processing may be selected as long as the system on the side of the business entity acting on behalf of collection is easily processed.

[2-16] Narrowing of Difference In the example, although acceptance of fund management is required for all differences calculated based on the payment made by the user, the present invention is not limited thereto. For example, it may be narrowed down to the difference when purchasing a product at a specific store, or it may be narrowed to the difference when settled by a specific settlement method.

  FIG. 17 illustrates an example of a functional configuration realized by the money operation support server device 20e of the present modification. In addition to the units shown in FIG. 4, the money operation support server device 20 e includes a commerce related information acquisition unit 213 and a difference determination unit 214. In this modification, the household account information storage unit 103 of the household account book server device 10 includes a store name (such as a chain store name) and a payment method name (a credit card company name or an electronic money name). Accumulate spending information. The store name is information indicating the purchaser of the product purchased in the commerce, and the name of the settlement method is information indicating the settlement means used in the commerce.

  The household account book server device 10 acquires the store name and the name of the payment method from the personal site mentioned above or the user terminal 30 which has read the information from the receipt. In addition, when the store name and the name of the settlement method can not be acquired by these methods, the household account book server device 10 is, for example, a store name from the POS system used in the store and the electronic settlement system of the provider providing the settlement service. Or you may acquire the name of the payment method. As described in the embodiment, the payment amount acquisition unit 201 receives the payment information and the user ID from the household account accounting server device 10, and thereby acquires the payment amount paid by the user of the user ID in the commercial transaction. The payment amount acquisition unit 201 supplies the received expenditure information and the user ID to the transaction-related information acquisition unit 213.

  The commerce related information acquisition unit 213 is a function of acquiring information related to the commerce of the user, and for example, acquires the names of the purchaser and the settlement method described above as the commerce related information. The transaction-related information acquisition unit 213 receives the expenditure information and the user ID from the payment amount acquisition unit 201, and thereby the store name indicated by the expenditure information and the name of the settlement method are the purchase destinations in the commerce performed by the user of the user ID. And it acquires as a payment means. The transaction-related information acquisition unit 213 supplies, to the difference determination unit 214, expenditure information indicating the acquired information related to the transaction, together with the corresponding user ID. The acquired difference and the corresponding user ID and expenditure information are also supplied to the difference determination unit 214 from the difference acquisition unit 203.

  Among the differences calculated based on the payment amount by the difference calculating unit 202, the difference determining unit 214 determines the difference for the commercial transaction that satisfies the predetermined condition. The difference determination unit 214 determines that the commercial transaction satisfies a predetermined condition when at least one item of the purchaser in the commercial transaction or the settlement means is a predetermined specific item. In the present modification, for example, it is assumed that the store operated by the provider α is a specific purchaser, and the payment service provided by the provider β is a specific payment means.

  When the difference is supplied, the difference between the store name and the settlement method indicated by the related information of the commerce supplied in association with the same user ID as the difference is the store name operated by the provider α or If it is the name of the settlement service provided by the provider β, it is determined that the difference is the difference for a transaction that satisfies the predetermined condition, and if not, the difference is not the difference for the transaction that satisfies the predetermined condition Determine. The difference determination unit 214 supplies the supplied difference, the user ID, and the expenditure information to the difference storage unit 204 together with the determination result.

The difference accumulation unit 204 stores the difference, the user ID, and the determination result supplied from the difference determination unit 214 in association with the payment date indicated by the difference ID and the supply information supplied together.
FIG. 18 shows an example of the difference accumulated in this modification. In the example of FIG. 18, the difference accumulation unit 204 stores the user ID, the payment date, the difference, the difference ID, the operation target flag, and the status in association with each other.

  The operation target flag is information indicating the determination result by the difference determination unit 214. In this example, the operation target flag of “target” is associated with the difference determined to be the difference for the commercial transaction satisfying the predetermined condition, and the difference determined not to be the difference for the commercial transaction satisfying the predetermined condition The operation target flag "out of target" is associated with "1". The operation target flag of “target” means that it is the difference to be targeted for operation if the user's consent is obtained (or consent has already been obtained), and the operation target flag of “not target” is The difference is not a target of operation, and it means that the user is not requested to accept.

  The difference accumulation unit 204 stores the status as “not subject” for the difference whose operation target flag is “not subject”. If the request time determination unit 205 determines that the request time has come, as in the embodiment, among the differences accumulated in association with the user ID of the request destination user, the one having a status of "not requested" is read out. Supply to the consent request unit 206. At this time, the difference whose status is “not target” is not read out. Therefore, among the differences for which the operation target flag is “target”, only the ones whose status is “unrequested” are read by the request timing determination unit 205 and supplied to the consent request unit 206.

  The consent request unit 206 requests the user to consent to use the difference thus supplied for fund management. That is, the consent request unit 206 requests the user to consent to use the difference for the commercial transaction satisfying the predetermined condition among the differences calculated based on the payment amount to the fund management. Specifically, the consent request unit 206 sets the difference calculated based on the payment amount of the commerce, which is a specific item in which at least one of the purchaser and the settlement means is a predetermined specific item, to the commerce which satisfies the predetermined condition. Make a request for acceptance of the difference as

  As described above, in this modification, not the difference between all payments calculated based on the payment made by the user, but the difference between the difference between payments made by purchasing a product at a specific purchaser and the payment made using a specific settlement method. Consent to fund management is required. As a specific purchaser, for example, a store (including a real store and a mail order store) operated by a specific company is used, and as a specific payment method, for example, a specific company performs Payment services are used.

  The commerce in which these stores and payment services are used can be said to be a commerce having a specific business and a specific relationship (a relationship of a store operator and a relationship of a payment service provider). Therefore, the consent acquisition unit 220 displays only the difference calculated for a commerce having a specific relationship with a specific business (in this example, a commerce performed by a specific purchaser and a commerce to be settled by a specific settlement method). Then, data indicating a screen requesting consent is transmitted to the user terminal 30, and acceptance is obtained for the difference indicated by the reply data returned from the user terminal 30.

  Hereinafter, a transaction having a specific relationship with a specific business operator, such as a transaction performed at a specific purchaser and a transaction settling on a specific payment means, is simply referred to as a “specific transaction”. By narrowing down by these specific commerces, the user is motivated to use a specific purchaser and settlement means, and the specific purchaser and settlement means are more than in the case where an acceptance is required for all differences. It can be made easy to use.

  The specific commerce is not limited to the above. For example, the difference determination unit 214 may determine a commercial transaction for purchasing a specific purchase target as a specific commercial transaction. The specific purchase target referred to here may be an individual product or a group of products provided by a specific enterprise. Below, let the goods which business person gamma provides be a specific goods. In this case, for example, based on the product name indicated by the expenditure information, it is determined whether the purchase target is a predetermined specific purchase target. When this determination is made, it is possible to make it easier for a specific target to be purchased as compared to the case of requesting consent for all differences.

  Further, when a specific point (a point provided by a specific point service provider) is given in a commercial transaction, the difference determination unit 214 may determine the commercial transaction as a specific commercial transaction. In this case, if, for example, the spending information indicates the information of the points given together with the spending amount, the commerce related information acquiring unit 213 acquires the information of the points as the commerce related information. Then, the consent acquisition unit 220 narrows down to the difference in the commercial transaction to which the specific point is given, and acquires the consent of the fund management.

  As a result, it is possible to make it easier to use a commercial transaction to which a specific point is given, as compared to the case of obtaining the consent without narrowing the difference. In addition, narrowing down of the difference may be performed by setting the commerce in which a specific point is used instead of giving a point as a specific commerce. In that case, the consent acquisition unit 220 narrows down to the difference in the commerce in which the specific points are used, and acquires the consent of the fund management. By doing so, points may not be awarded if, for example, all payment amounts for commerce are paid in points, but the difference in that case can also be used for fund management.

  Further, the difference determination unit 214 may determine that the commercial transaction performed in a specific period (for example, a campaign period) set by a specific business operator is a specific commercial transaction. In this case, the commerce related information acquisition unit 213 acquires commerce related information including date information on which the commerce has been performed. Then, the consent acquisition unit 220 acquires the above-mentioned specific period, for example, from the system of a specific enterprise and stores it in advance, narrows down to the difference in the commerce performed in that period, and acquires the consent of the fund management .

  In addition, the difference determination unit 214 gives the above-mentioned six types of specified commercial transactions (a commercial transaction performed at a specific purchaser, a commercial transaction for purchasing a specific purchase target, a commercial transaction to be settled by a specific payment means, and a specific point) Among the commerce, the commerce in which a specific point is used, or the commerce performed in a specific period set by a specific enterprise, any one type of specific commerce may be narrowed down, or two or more It is also possible to narrow down to specific types of commercial transactions. Further, the difference determination unit 214 may narrow down to commerce (for example, commerce for purchasing a specific purchase target at a specific purchaser) that simultaneously applies to two or more types of specific transactions.

  In addition, when the household account book server device 10 does not store spending information indicating a store name, a name of a payment method, and points given or used, the commerce related information acquiring unit 213 is used, for example, at the store From the POS system, the settlement service, and the electronic settlement system of the company that provides the point service, the store name and settlement method in which each user's commerce was done, the name of the granted or used points as information related to the user's commerce You just need to get it.

  Further, in the example of FIG. 17, the difference for the commerce (for example, the above-described specific commerce) satisfying the predetermined condition is determined. However, the present invention is not limited to this. You may acquire only the payment amount of. The payment amount acquisition unit 201 may determine, based on the received expenditure information, for example, as with the difference determination unit 214, whether the commerce in which payment indicated by the expenditure information is performed satisfies a predetermined condition or not. . In this case, the difference accumulation unit 204 accumulates only the differences that satisfy the predetermined conditions of the commercial transaction.

  As a result, in the same manner as the above example, the consent request unit 206 requests the user to consent to use the difference for the commercial transaction that satisfies the predetermined condition among the differences calculated based on the payment amount to fund management. It will be. In short, if the consent request unit 206 is required to request the user to consent to the use of the difference for the commercial transaction satisfying the predetermined condition for fund management, whether the commercial transaction satisfies the predetermined condition or not The judgment of may be made anywhere.

[2-17] Fund Management on Favorable Conditions When the above-mentioned narrowing of the difference is performed, if additional terms are satisfied, fund management on conditions favorable to the user is better than if the terms are not satisfied. It may be presented. As the additional condition, for example, a condition that is satisfied when a commerce of a type other than the commerce used for narrowing down is performed among the six types of specified commerce described above is used.

  For example, in the case where narrowing-down is performed in a commercial transaction performed at a specific purchaser, a condition that is satisfied when a commercial transaction performed in a specific period set by a specific business operator among them is used. In this modification, a specific business (a business operating a store, a business providing a payment service, a business providing a product, a point service business, etc.) used in the narrowing campaign is performed for a specific period. It is determined as a period. In that case, if the commerce requested to be narrowed down as described above is performed in a specified specific period, the consent request unit 206 performs the difference under advantageous conditions compared to when the commerce is performed outside that period. Require the user to agree on funding.

  Fund management under favorable conditions includes, for example, discounting of fees for fund management and freeing of fees, increase in funds to be invested, utilization of financial products with a rating higher than a specified level, shortening of procedures, and procedures This refers to fund management that is performed under conditions that allow the user to obtain financial or temporal profit as compared to the case where additional conditions are not satisfied, such as relaxation of the deadline. When the above-mentioned commerce is carried out in a specific period, the consent request unit 206 has request data indicating a character string indicating that the difference is used for fund management under advantageous conditions, a difference ID, a difference, and a payment date. It generates and transmits to the user terminal 30.

  FIG. 19 shows an example of the displayed consent request. In the example of FIG. 19, the consent request display unit 303 displays the “target amount for campaign” (in this example, 423 yen) and “the amount for target campaign, in addition to the“ total amount ”(in this example, 1183 yen) of the selected difference. For example, the money is increased by 10%! ”Is displayed as a consent request A21 indicated by the request data. In addition to the all selection button B3, the consent request display unit 303 displays a selection button B7 in which “select all campaign objects” is written.

  When an operation to press the selection button B7 is performed, if there is one of the "campaign object amounts" that is not selected, those are selected. By displaying this selection button B7, selection omission of the campaign target amount is eliminated. In the present modification, by displaying the consent request A21 in this manner, consent for allocating the difference to the fund management on the advantageous conditions described above is obtained. As a result, compared with the case where the advantageous condition is not applied, the motivation for performing the above-mentioned specific commerce can be enhanced, and the accumulated amount of the difference calculated for the specific commerce can be increased.

  In the example of FIG. 19, the user can also accept an amount other than the campaign target amount. As described above, the consent acquisition unit 220 performs the first consent for allocating the difference of the specific commerce to the fund management and the commerce which does not have the specific association with the specific business (in the example of FIG. Acquire the second consent for allocating the difference of the executed commerce) to the fund management. Here, in addition to moving the accumulated amount of the difference for which consent is obtained by the consent acquisition unit 220 from the first account to the second account, the move instruction process execution unit 210 of this modification is an accumulated move We will also carry out processing to allocate the amount to fund management.

  The process for allocating the accumulated amount to fund management is, for example, a process of adding the fee for fund management to the accumulated amount and instructing to move it from the first account to the second account. In the case where discounting of commissions and commissioning of commissions are made as advantageous conditions, the amount of commissions to be added (including the case where the amount is 0) will be processed differently.

  Further, in this modification, it is assumed that there is a case where an account for a favorable condition and an account for a normal condition are opened as a second account which is an account for storing funds when performing fund management. . In such a case, the instruction processing for moving the difference for which the first consent is obtained to the account for favorable conditions, and the instruction processing for moving the difference for which the second consent is obtained to the account for normal conditions In addition, an instruction process is performed in which the destination of the accumulated amount is different.

  Further, in this modification, the second account is common to favorable conditions and normal conditions, and the difference between the money management business operator who obtained the first consent from the second account and the second consent are It is assumed that there is a case where funds are drawn out separately from the obtained difference. In that case, notification processing for notifying the money management company of the difference for which the first consent has been obtained and the second account in which they are stored, the difference for which the money management company has obtained the second consent, and those A process of notifying different differences is performed, such as a notification process of notifying the stored second account.

  As described above, the movement instruction process execution unit 210 of this modification executes different processes depending on whether the consent for allocating the difference to the fund management is the first consent or the second consent. Here, separate processing refers to processing for allocating the accumulated amount of the second consented difference to fund management, and accumulated amount of the second consented accumulated amount of the first consented difference. Is a process for allocating funds under different conditions (more favorable conditions), and the contents of the processes are different from each other as in the above-mentioned examples in order to differentiate the conditions for allocating funds. It means the process.

  In addition, additional conditions are not limited to the specific period which the specific enterprise mentioned above set. The consent request unit 206 uses the above-described five types of specified commerce (a commerce performed at a specific purchaser, a specific purchase, and the like except for a specific period determined by a specific enterprise among the differences calculated for the narrowed commerce). The difference calculated for any type of specific commerce among commerce for purchasing an object, commerce for settlement by a specific settlement means, commerce for which a specific point is given, or commerce for which a specific point is used) The user may be required to consent to use the funds under favorable conditions in comparison to other differences.

  Specifically, the consent request unit 206 is, for example, a settlement provided by a company β, which is a specific settlement means, when the user purchases a product at a store operated by the company α, which is a specific purchase destination. When a product is purchased using a service, the user is requested to consent to use the difference calculated for the commerce for fund management on conditions advantageous to the other differences. At that time, it may be expressed as follows that the condition is different depending on the difference.

  FIG. 20 shows an example of the displayed request screen. In the example of FIG. 20, the consent request display unit 303 displays a request screen E1 (in which the thickness of the encircling line is made different) representing the difference for the specific transaction in a manner different from the difference for the other transactions. ing. The advantageous conditions to be applied may be displayed, for example, on the screen switched by selecting the difference or on the displayed pop-up window, or may be presented to the user in advance.

  By displaying as shown in FIG. 20, it is possible to easily grasp the difference that can be allocated to fund management under advantageous conditions, as compared to the case where display modes of all the differences are made uniform. Note that the method of changing the display mode is not limited to this. The color or font of the frame including the difference or the difference may be changed. In addition to the difference, it may be understood that the condition of the fund management is different by changing the form of the business name and the total payment amount.

  In the example of FIG. 19 and FIG. 20, the consent acquisition unit 220 selects one of the above-mentioned six types of specified commercial transactions (in FIG. 19, a commercial transaction performed in a specific period determined by a specific business operator). In FIG. 20, the consent for fund management was obtained on conditions advantageous to the difference calculated for the commerce carried out by a specific purchaser or the commerce to be settled by a specific settlement means). But it is not limited to this.

  In the case where two or more types of specified commercial transactions are specified among the 6 types of specified commercial transactions, the consent acquisition unit 220 calculates the difference calculated for the commercial transactions that applies even to any one of the specified specified commercial transactions. An agreement may be obtained about allocating funds to fund management on conditions that are advantageous compared to the difference of (the difference calculated for other types of specific commercial transactions). Specifically, the consent acquisition unit 220 compares, for example, the difference calculated for a commerce that is true even in any one of a commerce conducted with a specific purchaser and a commerce settled with a specific settlement method with the balances other than the commerce. Consent to invest in funds under favorable conditions. The combination of two or more types of specific commerce may be other than this.

  In addition, the consent acquisition unit 220 consents to use the difference calculated for a specific commerce that simultaneously applies to two or more of the six types of specific commerce for fund management under conditions that are advantageous compared to the other differences. You may get Specifically, the consent acquisition unit 220, for example, uses the difference calculated for the commerce, which is performed by a specific purchaser and settled by a specific settlement means, to fund management under conditions that are advantageous compared to the other differences. Obtain consent for allotment. The combination of two or more types of specific commerce may be other than this.

  In the examples of FIGS. 19 and 20, the consent is acquired after the difference is narrowed, but the present invention is not limited to this, and the same consent may be acquired without narrowing the difference. In that case, the consent acquisition unit 220 may acquire consent as described in the description of FIGS. According to this modification, in any of the above-mentioned cases, compared to the case where the advantageous conditions are not applied, the motivation for performing a specific commerce (specific commerce) is enhanced, and the accumulated amount of the difference calculated for the commerce Can be increased.

[2-18] Types of Fishing Operation Service There may be multiple types of fishing operation service provided to the user. For example, as described in the embodiment, the special service which manages the funds under the advantageous conditions as compared with the general service with respect to the general service which does not perform the narrowing of the difference and the fund management under the favorable conditions A service may be provided. Hereinafter, the user of the general service is referred to as a general user, and the user of the special service is referred to as a special user.

  Although one user may use both the general service and the special service, in that case, the same user is treated as a general user when using the general service, and when using the special service. It shall be treated as a special user. In this modification, the above-described commercial transaction performed at a specific purchaser, a commercial transaction for purchasing a specific purchase target, a commercial transaction to be settled by a specific settlement means, a commercial transaction for which a specific point is given, a specific point is used. A narrowing down to the difference between one or more of the six types of commerce of commerce and commerce conducted in a specific period defined by a specific business is performed.

  In this modification, these commerce transactions themselves are not treated as specific commerce transactions, but are treated as specific commerce transactions only when special users have performed these commerce transactions. Below, these transactions are referred to as "targeted transactions for special services". This means that even if a general user conducts a target service transaction of a special service, it is not treated as a specific transaction because the difference in the transaction is not narrowed down. That is, in this modified example, is there a “specificity of association” not only by the attribute of the transaction itself (target, period, presence or absence of points, etc.), but also by the attribute of the user who performs it It is judged whether or not.

  Therefore, the consent acquisition unit 220 of this modification accepts the commerce of the user (that is, the special user) who targets only the difference calculated for the target commerce for such special service as the specific commerce (this modification). Get the first consent of the example). Then, the consent acquisition unit 220 determines that the commerce of the user who is the target of fund management (that is, the general user) other than the difference calculated for the target commerce of the special service is a commerce that does not have a specific relationship with a specific business operator. Obtain the consent (the second consent of this modification).

The consent request unit 206 of this modified example transmits data indicating a request screen similar to that of the embodiment to the user terminal 30 of the general user. Further, the consent request unit 206 transmits data indicating a request screen shown in FIG. 21, for example, to the user terminal 30 of the special user.
FIG. 21 shows an example of the displayed request screen. In the example of FIG. 21, the consent request display unit 303 is a business person related to the commerce of “Kreka β (the name of the business person β who is a credit card company)”, “super ε”, and “fee point” or the business person The request screen E2 including the name of the point service provided by the user, the payment total amount of the commerce, the calculated difference, and the individual selection button B4 is displayed.

  For example, on the top row, the individual selection button B4 indicating the difference between the name “Kureca β”, the total payment amount “1067 yen”, the difference “33 yen” and that this difference is selected Is displayed. The acceptance request display unit 303 displays the name (in this example, “Kreka β”, “ζ point”), the total payment amount, the difference, and the individual selection button B4 for the target commercial transaction of the special service, and performs other commercial transactions ( In this example, only the name and the total payment amount are displayed for the business transaction related to "super ε", and "-" is displayed in the column of the difference and individual selection button B4.

  Further, the consent request display unit 303 displays, as the “total amount of money”, an amount obtained by totaling the difference in which the individual selection button B4 is “o”. Note that the consent request unit 206 may transmit data indicating a request screen that does not include the name of the business and the total amount of payment for a commercial transaction that is not the target of the special service (the name of “super ε” in the example of FIG. And the total payment amount will not be displayed).

  In any case, by displaying only the calculated difference for the target service of the special service, it is possible to easily recognize the difference that the user can devote to fund management compared to the case of displaying all the differences. It can be done. In addition, since the difference of the commercial transaction which is not the subject of the special service can not be selected, it is possible to prevent the wrong selection of the commercial transaction which is not the target of the special service by the special user.

  Also in the present modification, when the consent for allocating the difference to the fund management is the first consent (that is, the special user's consent), the transfer instruction processing execution unit 210 gives the second consent. As compared with the case (that is, the consent of a general user), processing for allocating the accumulated amount of the accepted difference to the fund management on more favorable conditions is executed. This makes it possible to increase the number of users of a specific service (in this example, a special service that can perform fund management more favorably than a general service), as compared to the case where the conditions of fund management are made uniform among a plurality of services. In the case of this modification, since the number of special service users increases, it is possible to lead to an increase in the number of commerce targeted for the special service.

[2-19] Category of the Invention The present invention relates to an information processing system such as a fund operation support system provided with an apparatus other than an information processing apparatus such as a fund operation support server apparatus, a user terminal and a household account book server apparatus. Can also be captured. Furthermore, the present invention can also be grasped as an information processing method for realizing the processing performed by each device. In such a case, the information processing apparatus serving as an entity that implements each process may be divided into a plurality. It can also be understood as a program for causing a computer that controls each device to function. This program may be provided in the form of a recording medium such as an optical disc storing the program, or may be downloaded to a computer via a network such as the Internet, provided in a form such as installing it and making it available. It may be done.

DESCRIPTION OF SYMBOLS 1 ... fund operation support system, 10 ... household account book server apparatus, 101 ... income information acquisition part, 102 ... expenditure information acquisition part, 103 ... household information storage part, 20 ... fund operation support server apparatus, 201 ... payment amount acquisition part, 202 ... difference calculation unit, 203 ... difference acquisition unit, 204 ... difference accumulation unit, 205 ... request time judgment unit, 206 ... consent request unit, 207 ... acceptance / rejection reception unit, 208 ... withdrawal reception unit, 209 ... fund transfer time judgment Division 210: movement instruction processing execution part 211: user related information acquisition part 212: user related information storage part 213: commerce related information acquisition part 214: difference determination part 215: collection information notification part, 220: consent Acquisition unit 30 User terminal 301 Receipt reading unit 302 Expense information transmission unit 303 Acceptance request display unit 304 Acceptability operation accepting unit 305 Acceptability Intellectual part, 306 ... history display unit, 307 ... withdraw the operation reception unit, 308 ... withdraw the notification unit.

Claims (7)

An accumulation unit that accumulates an amount calculated based on a payment amount in commerce;
An agreement obtaining unit for obtaining an agreement for allocating the amount of money in one or more transactions made before a user performs a predetermined operation to a fund management, which is a transaction having a specific relationship with a specific business operator A consent obtaining unit for obtaining a first consent for allocating the above amount of money to fund management and a second consent for applying the amount of commerce for which the relevance is not concerned to fund management;
It is a process for moving the accumulated amount of the amount for which the consent has been obtained from the first account to the second account for fund management when the predetermined period has passed, and the consent is the first consent and An execution unit configured to execute separate processing for allocating funds to the accumulated operation under different conditions depending on which of the second consents is applied. The consent acquisition unit may perform a commercial transaction performed at a specific purchaser, a commercial transaction for purchasing a specific purchase target, a commercial transaction to be settled by a specific payment means, a commercial transaction for which a specific point is given, a commercial transaction using a specific point Alternatively, the information processing apparatus may obtain the consent as a transaction having the specific relevance, of the user's commerce in which only the amount of the commerce conducted in the specific period set by the business is targeted for the fund management. Processing unit. The consent acquisition unit may perform a commercial transaction performed at a specific purchaser, a commercial transaction for purchasing a specific purchase target, a commercial transaction to be settled by a specific payment means, a commercial transaction for which a specific point is given, a commercial transaction using a specific point Alternatively, the information processing apparatus according to claim 1, wherein the consent is acquired as a business transaction having a specific relevance with a business transaction performed in a specific period defined by the business operator. The business transaction having the specific relevance includes the business transaction in which the identification information of the user who paid the payment amount in cash and the payment information is acquired by the system of the business operator.
The storage unit stores the identification information and the payment information acquired from the system of the business entity,
The information according to any one of claims 1 to 3, wherein the consent acquisition unit acquires the consent for the amount calculated from the accumulated payment information of the user indicated by the accumulated identification information. Processing unit. The consent acquisition unit displays only the amount of money calculated for the transaction having the specific relevance and transmits data indicating a screen for requesting the first consent to the user terminal, and the reply returned from the user terminal The information processor according to claim 2 or 3 which acquires said 1st consent about the amount of money which data show. The consent acquisition unit displays the amount of money calculated for the transaction having the specific relevance in a manner different from the amount of money calculated for the transaction not related to the business user, and displays the data indicating the screen for requesting the consent The information processing apparatus according to claim 3, wherein the first consent is acquired for the amount indicated by the reply data returned from the user terminal and transmitted to the terminal. A transmitter configured to transmit, to the user terminal, monetary amount information indicating the accumulated amounts of money stored for a plurality of commercial transactions performed before the predetermined period has elapsed;
And a receiving unit for receiving, from the user terminal, selected amount information indicating an amount selected to be used for fund management among the amounts indicated by the transmitted amount information.
The information processing apparatus according to any one of claims 1 to 6, wherein the execution unit executes a process of instructing the movement of the accumulated amount of the selected amount indicated by the received selected amount information.

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