JP2020187803A - Information processing system, program, and method - Google Patents

Abstract

To calculate a predetermined fractional monetary sum on the basis of daily payments and the like of a user and transfer it as savings toward a target monetary sum.SOLUTION: The invention comprises: a fund calculation rule DB 11 for storing predetermined fund calculation rule information; an account information DB 12 that receives and stores account information relating to a fund account of a client from a financial institution device 30; fund calculation means 13 that calculates transfer funds to be transferred from the fund account of the client to a predetermined accumulation account on the basis of the fund calculation rule information and the account information; a fund calculation result DB 14 that stores fund calculation result information; fund transfer instruction means 15 that transmits fund transfer instruction information to the financial institution device 30 on the basis of the fund calculation result information; a fund transfer result DB 16 that receives and stores fund transfer result information from the financial institution device 30; and accumulated fund reference means 17 that transmits predetermined accumulated fund information to a client terminal 40. The fund calculation means 13 calculates, as a transferred monetary sum, a fractional monetary sum indicated as difference between a predetermined set monetary sum and a debited monetary sum of the fund account of the client.SELECTED DRAWING: Figure 1

Description

The present invention relates to a technique for supporting investment and management of financial products, in particular, a fractional fund transfer storage system which is an effective information processing system for saving funds for a customer to purchase a financial product, and a fractional fund transfer storage system. Regarding the programs and methods used.

In general, financial institutions such as banks and securities companies provide various financial products for effective investment and asset management to customers (users) such as individual investors.
Here, in order to effectively form assets with financial products, it is desirable to purchase financial products with a certain amount of money. In addition, depending on the financial product, there are many cases where a minimum purchase price, a minimum deposit amount, etc. are set.
Therefore, in order to effectively invest and manage assets with financial products, first of all, funds for purchasing desired financial products are required. Therefore, it is an important issue for users to efficiently form and save purchase funds for purchasing desired financial products.

In order to form funds for purchasing financial products by saving, it is common to save a certain amount of money every month while controlling and saving daily expenditure.
However, while it is desirable to curb or save daily spending, vaguely curbing spending is actually difficult unless there are specific numerical targets, etc., and simply "reduce spending, It was difficult to achieve the target amount of savings just by saying "save."

On the other hand, saving a fixed amount every month means that the target amount can be surely saved by making the savings by automatic withdrawal using, for example, a savings deposit.
However, forcibly saving a certain amount of money every month may make the accumulation itself difficult depending on the income and expenditure situation of the user at that time, for example, when sudden expenses overlap. For this reason, it is not uncommon for the target amount of savings to be not achieved, including premature cancellation.
In addition, savings in which a certain amount of money is automatically deducted are made regardless of the user's efforts and behavior patterns to curb spending, and are uninteresting and motivated to encourage users to save money. There was almost no chance to give it.

For this reason, while arousing the user's awareness of voluntary savings and spending restraint to actively save money, the goal is effectively in a flexible and agile manner, not just a fixed reserve. Technologies and services that allow people to save money have been desired, but so far no effective proposals have been made.
In addition, Patent Document 1 discloses an "automatic savings system" in which a part of the refund amount is automatically saved when the deposit is refunded from the account of a financial institution.
According to the system of Patent Document 1, "the more the deposit is refunded, the more the deposit increases", so that the deposit balance of the account for automatic savings can be improved.

Patent Document 1: Japanese Unexamined Patent Publication No. 2003-132224

However, in the system disclosed in Patent Document 1, a part of the refund amount of the deposit (for example, 20% of the refund amount) is saved and transferred to another account for savings, and the savings amount increases. , The refund amount has also increased accordingly.
For this reason, for example, if an extra refund is made in anticipation of the amount to be used for savings (20% of the refund amount), the total savings amount of the user will not increase, and it is an effective saving method. I couldn't say.

In addition, just because a part of the refund amount goes to savings does not mean to curb spending or promote savings, and there is no goal or fun to save. Rather, "the more you refund the deposit, the more you refund it." Deposits will also increase, "so there was a risk of unnecessary and unnecessary refunds.
For this reason, the system of Patent Document 1 has not been able to solve the problem of continuously saving money while suppressing and saving daily expenditures for the above-mentioned purchase funds of financial products.

The present invention has been proposed to solve the problems of the conventional techniques as described above, and calculates a predetermined fractional amount based on the daily payment of the user, etc., and saves them for the target amount. By transferring as, it is possible to efficiently realize continuous savings within a reasonable range, and it is possible to naturally encourage and arouse active savings behavior by encouraging spending restraint and savings, etc. The purpose is to provide a fractional fund transfer accumulation system suitable for saving purchase funds, and programs and methods used for the system.

In order to achieve the above object, the information processing system of the present invention is an information processing system including a storage means, a calculation means, and an instruction means, and the storage means relates to a predetermined rule and a user's first account. The information is stored, the calculation means calculates the transfer amount to be transferred from the first account to the second account of the user based on the predetermined rule, and the instruction means calculates the transfer amount. Based on the above, the predetermined fund transfer instruction information is transmitted to the predetermined financial institution device that manages the first account, and the predetermined rule specifies one or more amounts and each amount related to the usage statement information or transaction information. It is a rule to calculate the fractional amount indicated by the difference from the set amount of the above as the transfer amount, and it is possible to set whether or not the transfer target of the predetermined rule is set for each usage detail information or transaction information. is there.

Further, the present invention can be configured as a fractional fund transfer accumulation program executed by the fractional fund transfer accumulation system in the present invention as described above.
Further, the present invention can also be configured as a fractional fund transfer accumulation method that can be implemented by the fractional fund transfer accumulation system and the program according to the present invention as described above.

According to the present invention, predetermined fractional amounts can be calculated based on the daily payment of the user and the like, and these can be transferred as savings for the target amount.
As a result, it is possible to efficiently and continuously save money within a reasonable range, and it is possible to naturally encourage and encourage active saving behavior by promoting the control and saving of spending.
Therefore, it is possible to flexibly respond to the diverse needs of investors and provide services suitable for saving funds for purchasing financial products, especially for individual investors.

It is a block diagram which shows the structure of the fractional fund transfer accumulation system which concerns on one Embodiment of this invention. It is explanatory drawing which shows an example of the "fund calculation rule" which can be set in the fractional fund transfer accumulation system which concerns on one Embodiment of this invention. It is explanatory drawing which shows an example of the processing operation of fund transfer in the fractional fund transfer accumulation system which concerns on one Embodiment of this invention. It is explanatory drawing which shows an example of the processing operation of the fund transfer in the fractional fund transfer accumulation system which concerns on one Embodiment of this invention following FIG. It is explanatory drawing which shows an example of the display screen which is output and displayed on the customer terminal side in the fractional fund transfer accumulation system which concerns on one Embodiment of this invention, (a) is the accumulation fund information at the time corresponding to FIG. (B) shows the accumulated fund information at the time corresponding to FIG. 4, respectively. It is explanatory drawing which shows an example of the display screen which is output and displayed on the customer terminal side in the fractional fund transfer accumulation system which concerns on one Embodiment of this invention, (a) is various setting items which can be set in the fractional fund transfer accumulation system. (B) is the setting screen of the "fund calculation rule" selected in (a), and (c) is the setting screen of the "month closing date" also selected in (a). Are shown respectively. It is explanatory drawing which shows an example of the display screen output and displayed on the customer terminal side in the fractional fund transfer accumulation system which concerns on one Embodiment of this invention, (a) is the "alert notification" selected in FIG. 6 (a). , (B) is the setting screen for the "monthly target savings amount" and "saving rule" that perform the alert notification selected in (a), and (c) is selected in FIG. 6 (a). The setting screen of "monthly target savings amount" is shown respectively. It is explanatory drawing which shows an example of the display screen which is output and displayed on the customer terminal side in the fractional fund transfer accumulation system which concerns on one Embodiment of this invention, (a) is the "fund savings" selected in FIG. 6 (a). The setting screen of "Account for fund", (b) is the setting screen of "Create a new fund saving account" selected in (a), and (c) is the setting screen of "For fundraising" selected and set in (b). The account setting screens are shown respectively. It is explanatory drawing which shows an example of the processing operation of the fund transfer in the fractional fund transfer accumulation system which concerns on one Embodiment of this invention, and in the fund situation corresponding to FIG. 3, in addition to the "standard" account, the "donation" account It shows the case of setting. It is explanatory drawing which shows an example of the display screen which is output and displayed on the customer terminal side in the fractional fund transfer accumulation system which concerns on one Embodiment of this invention, (a) is the "standard" account at the time corresponding to FIG. The accumulated fund information is shown, and (b) also shows the accumulated fund information of the “funding” account. It is explanatory drawing which shows an example of the processing operation of the fund transfer in the fractional fund transfer accumulation system which concerns on one Embodiment of this invention following FIG. 9, and in the fund situation corresponding to FIG. 4, the fund transfer to the "donation" account It shows the case where it was done. It is explanatory drawing which shows an example of the display screen which is output and displayed on the customer terminal side in the fractional fund transfer accumulation system which concerns on one Embodiment of this invention, (a) is the "standard" account at the time corresponding to FIG. The accumulated fund information is shown, and (b) also shows the accumulated fund information of the “funding” account. It is explanatory drawing which shows an example of the display screen which is output and displayed on the customer terminal side in the fractional fund transfer accumulation system which concerns on one Embodiment of this invention, (a) is the same "new fund savings" as FIG. 8 (b). The setting screen of "Create an account", (b) is the setting screen of the "donation" account selected and set in (a), and (c) is the details of "sharing" selected in (b). The setting screens are shown respectively.

Hereinafter, as an information processing system according to the present invention, an embodiment of a fractional fund transfer storage system will be described with reference to the drawings.
Here, the fractional fund transfer storage system of the present invention shown below is realized by processing, means, and functions executed by a computer according to a program (software) instruction. The program can send a command to each component of the computer to perform a predetermined process, function, or the like according to the present invention shown below. That is, each process, means, and function in the present invention is realized by concrete means in which a program and a computer cooperate.

All or part of the program is provided by, for example, a magnetic disk, an optical disk, a semiconductor memory, or any other computer-readable recording medium, and the program read from the recording medium is installed and executed in the computer. To. The program can also be loaded and executed directly on the computer through a communication line without going through a recording medium. Further, the fractional fund transfer storage system according to the present invention can be configured by a single information processing device (for example, one personal computer or the like), and a plurality of information processing devices (for example, a group of a plurality of server computers or the like). It can also be configured with.

[System configuration]
FIG. 1 shows the configuration of a fractional fund transfer accumulation system according to an embodiment of the present invention.
The system according to the embodiment of the present invention shown in the figure is configured as a fractional fund transfer storage system 1 including a fractional fund transfer storage server 10, financial institution devices 20 and 30, and a customer terminal 40.
The fractional fund transfer storage server 10, the financial institution devices 20, 30 and the customer terminal 40 constituting the fractional fund transfer storage system 1 are connected to each other via a predetermined network such as the Internet so that data communication is possible.

[Fraction fund transfer storage server 10]
Fractional fund transfer storage server 10 is information for transferring funds from a customer's fund account to a predetermined storage account and accumulating a predetermined target amount based on rule information set according to a customer's input operation. It is a processing device and constitutes a fractional fund transfer storage system according to the present invention.
Specifically, the fractional fund transfer storage server 10 can be configured by, for example, one or two or more server computers, a server system composed of one or two or more virtual servers built on a cloud computing service, or the like. .. It is also possible to appropriately provide the customer terminal 40 with the components of the fractional fund transfer storage server 10 shown in FIG. 1. For example, the customer has the fund calculation rule DB 11, the fund calculation means 13, and the fund calculation result DB 14. It can also be implemented on the terminal 40.
The fractional fund transfer storage server 10 is provided with an OS (Operating System), a DBMS (DataBase Management System), and the like (not shown), and is operated as a server computer.

Then, software running on middleware such as a Web server program is implemented in the fractional fund transfer storage server 10.
This software publishes and provides an application that can be used, for example, in the form of API (Application Programming Interface) to one or more customer terminals 40 via a network such as the Internet.
As a result, each customer terminal 40 has a dedicated application program provided to a customer of a financial institution (hereinafter referred to as "user"), for example, a dedicated application program operated to provide services such as asset management proposals and advice. By calling a web browser or the like, the function of the fractional fund transfer storage system according to the present invention can be executed.

Further, the fractional fund transfer storage server 10 is provided with a fund calculation rule DB 11, an account information DB 12, and a fund transfer result DB 16 implemented as a database or the like, and is necessary for the operation of the fractional fund transfer storage system according to the present invention. A storage means for acquiring and accumulating predetermined information is provided.
As various information resources, the storage means stores account information, attribute information, transaction history information, etc. of users of financial institutions, which will be described later, and is required for the fractional fund transfer storage server 10 according to the present embodiment. Information is stored, and information necessary for the operation of the fractional fund transfer storage server 10 is read out at any time and stored / updated.

The information stored and stored in the fractional fund transfer storage server 10 in this way is, for example, a financial institution system of its own, which is an information processing system for accounting and information systems owned by each financial institution equipped with financial institution devices 20 and 30. Or, it is periodically extracted by daily processing or the like from the core system of a financial institution that provides an information processing system for accounting and information to a plurality of financial institutions, and is acquired and accumulated by the fractional fund transfer storage server 10. be able to. Further, when the financial institution does not have its own information processing system or an external core system that can cooperate with each other, for example, various information can be manually registered and stored in the fractional fund transfer storage server 10.
Further, the information stored in the fractional fund transfer storage server 10 can be acquired and referred to in another program (for example, an application of the customer terminal 40) via the network. Further, for example, when the information stored in the fractional fund transfer storage server 10 can be acquired and referred to in the program of the financial institution device 20 or 30 via the network, the financial institution (card company or bank) From the rules and transaction history information set by the user, the user's lifestyle and preferences can be analyzed and used for marketing.

Specifically, as shown in FIG. 1, the fractional fund transfer storage server 10 as described above has a fund calculation rule DB 11, an account information DB 12, a fund calculation means 13, a fund calculation result DB 14, and a fund transfer instruction means 15. , The fund transfer result DB 16 and the accumulated fund reference means 17 are configured to function.
The fund calculation rule DB 11 is a means for storing predetermined fund calculation rule information including a target amount set according to an input operation from the customer terminal 40 described later.
Here, as the fund calculation rule information stored in the fund calculation rule DB 11, as described later, as predetermined information set by the user via the customer terminal 40, a predetermined target amount or a target amount for achieving the target amount is achieved. There are various rules (fractional rules, saving rules, regular rules, other rules, etc.) (see Fig. 2 below).

The account information DB 12 is a storage means for receiving and storing account information related to the customer's fund account or the like from the financial institution devices 20 and 30 that manage the user's fund account or the like.
Here, the account information stored in the account information DB 12 includes card usage details information transmitted from the financial institution device 20 of the card company, transaction information of the fund account transmitted from the financial institution device 30 of the bank, and the like. (See FIGS. 3, 4, 9 and 11 described later).

The fund calculation means 13 is a means for calculating the transfer amount of transfer funds to be transferred from the user's fund account to a predetermined storage account based on the above-mentioned fund calculation rule information and account information (FIGS. 3 and 4 described later). , 9, 11).
Specifically, the fund calculation means 13 calculates a fractional amount indicated by the difference between the withdrawal amount of the user's fund account and the predetermined set amount as the "transfer amount" according to the present invention.
In addition, the fund calculation means 13 can calculate a predetermined fixed amount as the "transfer amount" according to the present invention together with the above-mentioned fractional amount or in place of the fractional amount.
Further, the fund calculation means 13 can calculate the above-mentioned fixed amount as the "transfer amount" when the predetermined event information is input.

Further, the fund calculation means 13 can calculate that the withdrawal amount of the user's fund account described above has reached a predetermined value, and the accumulated fund reference means 17 described later informs that the withdrawal amount has reached the predetermined value. The indicated information, for example, an alert notification, can be transmitted to the customer terminal 40.
In addition, the fund calculation means 13 calculates that when a target amount for a predetermined period (for example, one month, etc.) is set, the total transfer amount within the predetermined period may not reach the target amount. This allows the accumulated fund reference means 17 to transmit information (alert notification, etc.) to the customer terminal 40 indicating that the total of such transfer amounts may not reach the target amount. The possibility that the transfer amount will not reach the target amount can be estimated by comparing it with the actual results in the past (for example, the previous month).
By notifying the user of such an alert notification, for example, when the withdrawal amount increases and the saving rule described later may not be observed or it may be difficult to achieve the target amount, the user is notified to that effect. Then, you will be able to stop wasting money and encourage savings.

The fund calculation result DB 14 is a storage means for storing information indicating a fund calculation result including a transfer fund calculated by the fund calculation means 13.
The fund calculation result information stored in the fund calculation result DB 14 is for executing the transfer process from the fund account to the accumulation account, which will be described later, including the "transfer amount" calculated and calculated by the fund calculation means 13 as described above. This is predetermined information required for the above (see FIGS. 3, 4, 9 and 11 described later).
The fund transfer instruction means 15 is a means for transmitting predetermined fund transfer instruction information to the financial institution device 30 based on the fund calculation result information stored in the fund calculation result DB 14.

The fund transfer result DB 16 is a means for receiving and storing information indicating a fund transfer result based on the fund transfer instruction information from the financial institution device 30 that has transmitted the fund transfer instruction information.
The fund transfer result information stored in the fund transfer result DB 16 is predetermined information indicating the result of the transfer process from the fund account to the storage account executed by the financial institution device 30 according to the instruction of the fund transfer instruction means 15 as described above. (See FIGS. 3, 4, 9 and 11 described later).

The accumulated fund reference means 17 is a means for generating predetermined accumulated fund information including a fund transfer result and transmitting it to a user-operable customer terminal 40 so as to be able to refer to it. The accumulated fund reference means 17 constitutes the accumulated fund information generating means according to the present invention.
The accumulated fund information generated and output by the accumulated fund reference means 17 is predetermined information indicating the current amount of accumulated funds of the accumulated account of the financial institution device 30 in which the above transfer process is executed ( See FIGS. 5, 10 and 12 described later).
The specific functions and operations of each means realized by the fractional fund transfer storage server 10 according to the present embodiment as described above will be described later with reference to an example of a display screen output and displayed on the customer terminal 40 (). (See FIGS. 2 to 13).

[Financial institution equipment 20, 30]
The financial institution devices 20 and 30 are information processing devices provided in financial institutions such as card companies and banks, and are connected to the above-mentioned fractional fund transfer storage server 10 so as to be capable of data communication.
In the example shown in FIG. 1, the financial institution device 20 is an information processing device installed in a card company, and the financial institution device 30 is an information processing device installed in a bank.

[Card company]
The financial institution device 20 installed in the card company is provided with the card usage statement DB 21 as a storage means for storing the usage statement information of the card operated by the card company.
The information stored in the card usage statement DB 21 includes user attribute information for each card managed and operated by the card company, and usage statement information indicating the date and time of use, amount of money, usage details, etc. of the card. ..
The usage statement information held and managed by the card company is the "withdrawal amount" according to the present invention for the user to calculate the transfer amount for accumulating the target amount.

Here, examples of cards operated by card companies include credit cards, transportation cards, distribution prepaid cards, various electronic money cards, and point cards.
Then, the information stored in the card usage statement DB 21 is transmitted to the fractional fund transfer storage server via the network, and is stored in the account information DB as the account information of each user.

[Bank]
The financial institution device 30 installed in a bank is provided with a fund account DB 31 as a storage means for storing information on a deposit account operated by the bank.
The information stored in the fund account DB 31 includes user attribute information about various deposit accounts managed and operated by the bank (for example, accounts such as ordinary deposits and checking deposits), and the balance and deposit / withdrawal history of the deposit account. There is transaction information such as.
This deposit account constitutes the "fund account" according to the present invention, which is the transfer source of the funds that the user looks back on to accumulate the target amount.
Further, the withdrawal amount from the deposit account indicated by the transaction information of this deposit account is the "withdrawal amount" according to the present invention for the user to calculate the transfer amount for accumulating the target amount.

Here, as deposit accounts managed and operated by banks, for example, highly liquid deposit (savings) accounts such as ordinary deposits, checking deposits, savings deposits, and ordinary savings, and flows such as time deposits, notification deposits, and reserve deposits. There is a low-quality deposit (savings) account.
Then, an account that can be used as a withdrawal account such as a card or utility fee, specifically, a savings account or a checking deposit, becomes a "fund account" according to the present invention.
The information stored in the fund account DB 31 is transmitted to the fractional fund transfer storage server via the network, and is stored in the account information DB as account information of each user.

In addition, the financial institution device 30 has information on the "accumulation account" (fund savings account) according to the present invention, which is a deposit account operated by the bank and is a transfer destination of funds that the user looks back on to accumulate the target amount. A storage account DB 32 is provided as a storage means to be stored.
The accumulation account is an account used for accumulating and saving transfer funds according to the present invention, and is a dedicated account in which the user cannot perform transactions such as deposits and withdrawals, for example, for special deposits and bond purchases of the financial institution. Pool account etc. will be assigned. This storage account constitutes the "storage account" according to the present invention, which is the transfer destination of the funds that the user looks back on to accumulate the target amount.
The information stored in the storage account DB 32 includes attribute information of each user who uses the account, transaction information such as the balance of the storage account and deposit / withdrawal history for each user, and the like.
The transaction information stored in the storage account DB 32 is the "storage reference information" according to the present invention, which indicates predetermined information including the transfer result of funds for the user to store the target amount.

As described later, a plurality of storage accounts can be set by one (single) user. As a result, it is possible to set up a plurality of storage accounts according to the purpose of savings, the target amount of money, the target of savings, etc., such as a pure fund saving account and a fund-raising account, for example. (See Figures 8-12), it will be possible to encourage more positive and positive savings and savings.
Further, as the storage account, it is possible to set one (common) storage account by a plurality of users. As a result, for example, three family members can save fractional funds and savings funds in one storage account (see FIG. 13 described later), and more efficient savings can be performed.

Then, in the financial institution device 30, when the transfer amount of the accumulation account as described above becomes a predetermined amount, the purchase process (transfer of funds) of a predetermined financial product can be executed by the transfer fund. The purchase process of a financial product can be executed automatically in the financial institution device 30 or after obtaining the approval / request of the user.
Here, examples of financial products that can be purchased (transferred) using the transfer funds of the accumulated account include time deposits, foreign currency deposits, investment trusts, and securities such as stocks and bonds.
For the purchase of financial products (transfer of funds), the same financial institution (bank) equipped with the financial institution device 30 can purchase financial products (fixed deposits, etc.) sold by the financial institution. It is also possible to purchase financial products sold by other financial institutions other than the financial institution provided with the institutional device 30, such as other banks, securities companies, and foreign banks. In that case, the transfer fund, which is the purchase fund, can be remitted or transferred to another financial institution to purchase the desired financial product.

Each financial institution equipped with the above-mentioned financial institution devices 20 and 30 has its own financial institution system, or information on investment products and loan products sold by each financial institution through an external financial institution core system. , Attribute information of the user of the financial institution, history information of account transactions, access history information, card usage statement information, etc. can be stored and managed.
Such a financial institution system / financial institution core system functions as an information processing system for accounting / information systems possessed by the corresponding financial institution.
A financial institution core system is a huge system owned by a so-called system integrator, which undertakes the operation of the data system of one or more financial institutions as a business, for example, by outsourcing one or more financial institutions. It is configured and operated by a group of server systems. As such a financial institution core system 50, for example, a securities backbone system (STAR (registered trademark)) and a bank's financial product intermediary system (BESTWAY (registered trademark)) operated by Nomura Research Institute Co., Ltd. are known. Has been done.

[Customer terminal 40]
The customer terminal 40 is an information processing device that can be used by users (customers / investors) of the above-mentioned financial institutions (banks / card companies), for example, smartphones, mobile terminals, PCs, tablets, financial institutions owned by the users. It is composed of a PC and a dedicated terminal device installed on the financial institution side equipped with the devices 20 and 30.
The user can operate the customer terminal 40 to call the program provided by the fractional fund transfer storage server 10, and execute / use the functions / services provided by the fractional fund transfer storage system according to the present invention. it can.

Specifically, the customer terminal 40 according to the present embodiment includes a fund calculation rule setting means 41 and a display means 42.
The fund calculation rule setting means 41 sets a target amount to be a savings target and predetermined fund calculation rule information according to a user's input operation performed via an input means (for example, a touch panel, a mouse, a keyboard, etc.) of the customer terminal 40. It is a means to set.
Here, as the fund calculation rule information that can be set by the fund calculation rule setting means 41, as will be described later, a predetermined target amount that is a target of the savings amount and various rules (fractional rule) for achieving the target amount. , Saving rules, regular rules, other rules, etc.) (see Fig. 2 below).

The display means 42 is a display unit / display provided in the customer terminal 40, and is composed of, for example, a touch panel display unit of a smartphone or tablet, a liquid crystal display connected to a PC, or the like. Through the display means 42, the predetermined accumulated fund information generated by the accumulated fund reference means 17 of the fractional fund transfer storage server 10 described above is visually displayed to the user.
Here, the accumulated fund information output / displayed by the display means 42 is the current accumulated fund of the accumulated account of the financial institution device 30 in which the transfer process instructed / executed by the above-mentioned fractional fund transfer storage server 10 is executed. Predetermined information indicating the amount of money and the like (see FIGS. 5, 10 and 12 described later).

As described above, the user according to the present embodiment uses the customer terminal 40 to access the Web application or the like provided by the fractional fund transfer storage server 10 via the Internet or the like, and the fractional fund transfer according to the present invention. It is capable of executing the functions of the storage system.
However, the present invention is not limited to such a configuration, and for example, by installing / installing dedicated software on the customer terminal 40 and directly communicating with the financial institution devices 20 and 30, the fractional fund transfer according to the present invention is performed. It is also possible to execute the functions of the storage system. In this case, the customer terminal 40 itself constitutes the fractional fund transfer storage server 10.
Further, for example, by introducing dedicated software into the financial institution device 30 of a bank, the function of the fractional fund transfer storage system according to the present invention can be directly executed between the financial institution device 30 and the customer terminal 40. it can. In this case, the financial institution device 30 constitutes the fractional fund transfer storage server 10.

[Fraction fund transfer accumulation method]
Next, a specific processing operation (fractional fund transfer accumulation method) of the fractional fund transfer accumulation system 1 according to the present embodiment having the above configuration will be described with reference to FIGS. 2 to 13.
First, as a premise of the processing operation of the fractional fund transfer storage system 1, a predetermined fund calculation rule is set from the customer terminal 40 to the fractional fund transfer storage server 10 according to the input operation of the user.
FIG. 2 is an explanatory diagram showing an example of a “fund calculation rule” that can be set in the fractional fund transfer storage server 10 according to the present embodiment.

[Fund calculation rules]
The setting of the fund calculation rule is performed on the screen of the predetermined "fund calculation rule" on the dedicated application or the designated website via the customer terminal 40 (for example, a smartphone or PC) that the user can operate (FIG. 6). You can open (see (b)) and make various settings. The set fund calculation rule is stored in the fund calculation rule DB 11 on the fractional fund transfer storage server 10.
In the present embodiment, as shown in FIG. 2, a desired "target amount" is set as a fund calculation rule, and "fractional rule", "saving rule", "regular rule", and "other rule" are set respectively. It is set to be set.

Specifically, in the example shown in FIG. 2, the following "rules" can be set in order to achieve the predetermined "target amount", and the amount calculated according to the set rules is used as the "transfer fund". It is targeted for transfer from a predetermined fund account to a storage account, and is processed by the "automatic" or "manual" transfer mode.
[Fraction rule]
・ Withdrawal of 100 yen to 999 yen: Last 2 digits of difference from 1000 yen ・ Manual ・ Withdrawal of 1,000 yen to 9,999 yen: Last 3 digits of difference from 10,000 yen ・ Manual ・ 10,000 Withdrawal of yen or more: Last 3 digits of difference from 10,000 yen unit ・ Manual [Saving rule]
・ Electricity charge: Difference from 20,000 yen ・ Automatic ・ Water charge: Difference from 10,000 yen ・ Automatic ・ Communication charge: Difference from 10,000 yen ・ Automatic ・ Eating out: Difference from 40,000 yen ・Automatic [Regular rule]
・ Monthly: 5,000 yen ・ Automatic ・ Weekly: 0 yen ・ Automatic ・ Daily: 0 yen ・ Automatic [Other rules]
・ Cashback: Full amount ・ Automatic ・ ●● Points: Full amount ・ Automatic ・ Giants victory: 100 yen ・ Automatic ・ 10km run: 100 yen ・ Automatic

By setting the above "fund calculation rule", first, according to the "fractional rule", when the user uses the card for daily shopping etc. and withdraws from the withdrawal account, cash bills (bills) A fraction corresponding to the change (change) generated when the payment is made in is calculated by the fund calculation means 13, and the amount is transferred from the fund account to the accumulation account as transfer funds. For example, if there is a withdrawal of "4,860 yen", the fund calculation means 13 will perform the calculation process of "5,000 yen-4,860 yen = 140 yen", and the transfer fund will be "140 yen". It is calculated.
The use / withdrawal of the card is referred to / determined by the fund calculation means 13 based on the card usage statement information transmitted from the financial institution device 20 of the card company.

In addition, according to the "saving rule", the difference in the set amount of utility charges such as electricity charges, utility charges, eating out, etc. is calculated by the fund calculation means 13 as savings, and the amount is accumulated from the fund account as transfer funds. Will be transferred to. For example, if "20,000 yen" is set as the set amount of the "electricity charge" and the withdrawal of the electricity charge in a certain month is "15,220 yen", the fund calculation means 13 uses "20,000 yen". The calculation process of "yen-15,220 yen = 4,780 yen" is performed, and the transfer fund is calculated as "4,780 yen".
Therefore, for example, when the withdrawal amount of the electricity charge exceeds the set amount (20,000 yen), the transfer fund is not calculated and the transfer process is not executed.

The withdrawal of utility bills and utility charges is based on the withdrawal information transmitted from the financial institution device 30 of the bank, or in the case of using a card, the card usage statement information transmitted from the financial institution device 20 of the card company. Is referred to and determined by the fund calculation means 13.
In addition, the withdrawal of eating out is determined based on the card usage statement information described above. For example, if the industry code can be obtained from the card usage statement information of the card company, it can be determined by the industry code. If there is no industry code, it can be identified by the name of the store or the like. It is also possible for the user to specify a statement to be classified as eating out from the existing card statement.

In addition, by setting the "regular rule", it is possible to transfer a predetermined fixed amount set by the user to the storage account at predetermined cycles such as monthly, weekly, and daily.
This is almost the same as the existing savings deposits, etc., but compared to the savings deposits, the amount may be smaller, and since a fine cycle can be set, the degree of freedom in the amount and period is increased, and the user However, there is an advantage that a small amount of money can be saved steadily within a reasonable range.

Furthermore, as an "other rule", for cashback and point awarding services, the entire amount can be transferred to the accumulation account by assuming that they have not been received.
In addition, the user can set rules arbitrarily, and if a predetermined event occurs, for example, if a favorite sports team (for example, Giants, Urawa Reds, etc.) wins, a certain amount of money (for example, 100 yen) will be charged. You can save, and you can enjoy saving.
It should be noted that the presence or absence of such an event can be determined, for example, by inputting the corresponding event information from a news site on the Internet.

In addition, as a predetermined event corresponding to the "other rules", when the user achieves some goal (for example, running 10 km in running), a certain amount of money (for example, 100 yen) is given as a reward (reward) for himself / herself. Can be saved. In this way, it is possible to further increase the joy of saving in combination with the user's sense of accomplishment of goals such as running.
The mileage that the user has run can be measured using a device that can identify the running, such as a wearable terminal or a smartphone terminal, and the measured distance data can be obtained from the application of the fractional fund transfer storage server 10. Can be obtained.

Further, for the transfer of funds based on the rules set as described above, either "manual" or "automatic" mode can be selectively set as the transfer mode.
When the fund transfer mode is set to "manual", when the amount to be transferred is extracted, it is displayed that the amount is to be transferred, and the fund transfer instruction means is displayed according to the user's input operation. The transfer instruction according to 15 will be executed (see FIGS. 5, 10 and 12 described later). Therefore, it is possible to prevent the transfer process from being performed at the user's discretion, for example, depending on the financial situation (pocket condition).
In this case, the fund transfer status will be "Unsaved" until the user performs a "manual" operation, and when the transfer process is executed by the "manual" operation, it will be "saved" or due to insufficient balance in the account. If the transfer process is not executed, it will result in "saving failure" (see Figures 3 and 4 below).

On the other hand, when the fund transfer mode is set to "automatic", when the amount to be transferred is extracted, the transfer instruction by the fund transfer instruction means 15 is automatically executed. In this case, if the balance of the bank's fund account is insufficient, the transfer process is not performed, and a predetermined notification (alert notification or the like) indicating that fact can be performed. Furthermore, when "automatic" is set, as the target amount to be transferred, the withdrawal record of the bank account and the record of the credit card usage statement are processed and extracted from the contents (withdrawal subject, statement subject). It can also be extracted from the payee company name. Here, the content may be classified based on the content or the name of the payee company, and it may be determined whether or not the content is to be extracted according to the classified content.
In this case, if the transfer process is executed by "automatic", the fund transfer status will be "saved", and if the transfer process is not executed due to insufficient balance in the account, it will be "saving failure" ( (See FIGS. 3 and 4 described later)

[motion]
An example of the operation of the fractional fund transfer accumulation system 1 in the present embodiment when the above-mentioned "fund calculation rule" is set will be described with reference to FIGS. 3 and 4.
3 and 4 are explanatory views showing an example of the operation of the fractional fund transfer storage system 1 in the present embodiment.
First, in the fractional fund transfer storage server 10, as shown in FIG. 3, the information of the bank account and the card usage statement stored in the account information DB 12 is periodically referred to, and the fund calculation set in the fund calculation rule DB 11 is performed. According to the rule, the fund calculation means 13 executes the fund calculation, and the fund calculation result is output and stored in the fund calculation result DB 14.
As for the account information stored in the account information DB 12, necessary information is transmitted from the financial institution device 20 of the card company and the financial institution device 30 of the bank at a predetermined timing (for example, daily processing), and the information of the account information DB 12 Is to be updated.

In the example shown in FIG. 3, the processing operation on April 11 is shown, and as the account information from the financial institution device 30 of the bank, as the transaction of the user's savings account, "April 3: Electric charges / Withdrawal information for "15,220 yen" and "April 11: Tennis school 4,860 yen" was sent, and "April 11: NIFTY" as card usage statement information from the financial institution device 20 of the card company. The usage statement information of "6,230 yen" is transmitted and stored as the account information of the account information DB12, respectively.
In this state, the fund calculation process by the fund calculation means 13 is executed at a predetermined timing (for example, every day, twice a day, etc.).
In the fund calculation process, a predetermined calculation process is performed with reference to the preset "fund calculation rule" described above.

In the example shown in FIG. 3, as the fund calculation process on April 11, for "April 11: Tennis school, 4,860 yen", "Fund amount: 140 yen, Fund transfer mode: Manual, Fund transfer status: "Unsaved" is calculated and determined, and for "April 11: NIFTY, 6,230 yen", "Fund amount: 770 yen, Fund transfer mode: Manual, Fund transfer status: Unsaved" is calculated.・ Discrimination is performed.
Furthermore, based on the "fund calculation rule", "April 11: regular rule (monthly), fund amount 5,000 yen, fund transfer mode: automatic, fund transfer status: unsaved" is calculated and determined. To.
The calculation result by the fund calculation means 13 is stored in the fund calculation result DB 14.

After that, based on the fund calculation result information stored in the fund calculation result DB 14, the fund transfer instruction means 15 transmits the fund transfer instruction information to the financial institution device 30 of the bank.
In this fund transfer instruction, the details for which the fund transfer mode of the fund calculation result DB 14 is set to "automatic" or the fund transfer status is set to "save" (see FIG. 4) are processed.
When the fund transfer mode is set to "manual", the fund transfer instruction is not sent until the user manually operates it.

When the fund transfer instruction is transmitted, the target financial institution device 30 can transfer the funds to another account (accumulation account) in the bank as long as the balance of the corresponding fund account (savings account, etc.) is not insufficient. Will be executed.
After that, the result of the transfer instruction is transmitted to the financial institution device 30 at a predetermined timing, acquired by the fractional fund transfer storage server 10, and the information is stored in the fund transfer result DB 16.
The result of the transfer process from the financial institution device 30 is transmitted in real time at the same time as the transfer process is executed, or after the transfer process of the financial institution is completed, the financial institution device 30 sends the result at a predetermined timing. You can be notified. Further, until the transfer result is acquired from the financial institution device 30, the fund transfer status on the fractional fund transfer storage server 10 side remains "unsaved".

In the example shown in Fig. 3, "April 11: Tennis school, 4,860 yen, Fund amount: 140 yen, Fund transfer mode: Manual" and "April 11: NIFTY, 6,230 yen, Fund amount" : 770 yen-For "Fund transfer mode: Manual", the fund transfer instruction is not executed and the fund transfer status remains "Unsaved".
On the other hand, regarding "April 11: Regular rule (monthly), fund amount 5,000 yen, fund transfer mode: automatic", a fund transfer instruction is given, and as a result, the fund transfer status becomes "saved". ing.
In addition, as shown in the figure, for "April 3: Electricity charge, 15,220 yen, Fund amount: 4,780 yen, Fund transfer mode: Automatic", the fund transfer status is "Saving failure". It can be seen that the transfer process was not executed due to insufficient balance in the account.
In this way, according to the transfer result from the financial institution device 30, information indicating the fund transfer status, "saved" when the transfer is successful, and "saving failure" when the transfer is unsuccessful. The changed information is stored in the fund transfer result DB 16 as the fund transfer result information and updated.

The transfer result can be displayed and confirmed on the screen of the display means 42 of the customer terminal 40 after the transfer process is completed (see FIG. 5).
Then, on the screen of the customer terminal 40, the fund transfer status of "unsaved" or "saving failure" described above can be changed to "saving". When the fund transfer status is changed to "save", the next fund transfer instruction will be processed, and "save" will be stored and updated as input data for the fund transfer instruction.
This point will be described with reference to FIG.

FIG. 4 shows an example in which the fund transfer status is changed to “save” on April 12, the day after the processing shown in FIG.
First, in the processing on April 12, shown in FIG. 4, the account information in the account information DB 12 is not changed, and the calculation processing by the fund calculation means 13 is not performed. Therefore, there is no change in the stored data of the fund calculation result DB 14.
In this state, the user operates the customer terminal 40 to show "April 11: NIFTY, 6,230 yen, fund amount: 770 yen, fund transfer mode: manual, fund transfer status: unsaved". Change the fund transfer status to "Save".

When the fund transfer status of "unsaved" (or "saving failure") is changed to "save" from the customer terminal 40 in this way, the stored information of the fund transfer result DB 16 is updated.
After that, at a predetermined processing timing, the corresponding "April 11: NIFTY, 6,230 yen, fund amount: 770 yen" is extracted by the fund transfer instruction means 15 as the processing target of the fund transfer instruction, and the financial institution device 30 A fund transfer instruction is sent to.
In the financial institution device 30 to which the fund transfer instruction is transmitted, the transfer process from the corresponding fund account to the storage account is executed, and the transfer instruction result is transmitted to the fractional fund transfer storage server 10.
As a result, the information in the fund transfer result DB 16 is updated.
In the example shown in FIG. 4, the fund transfer status of "April 11: NIFTY, 6,230 yen, fund amount: 770 yen, fund transfer mode: manual" is updated from "unsaved" to "saved". You can see that.

Then, the result of the fund transfer process performed as described above is generated as accumulated fund information by the accumulated fund reference means 17 in response to the reference request from the customer terminal 40, and is displayed on the display means 42 of the customer terminal 40. You can browse.
FIG. 5 shows an example of a display screen of the accumulated fund information displayed on the display means 42 of the customer terminal 40 according to the present embodiment, and FIG. 5A shows the accumulated fund information at the time corresponding to FIG. 3, (b). ) Is the accumulated fund information at the time corresponding to FIG.

In the example shown in FIG. 5 (a), the current "amount of funds in savings: 5,000 yen" and the target amount of "10,000 yen" are shown, and "April 11, 4,860 yen, tennis". "Unsaved" for "School +140 yen", "Unsaved" for "April 11, 6,230 yen, NIFTY, +770 yen", "April 11, regular rule (monthly), +5,000""Yen" is shown to be "saved".
In addition, it is shown that "-13,121 yen" was transferred (transferred to financial products) as funds for purchasing financial products on April 10, the day before.
Furthermore, "April 3, 15,220 yen, electricity charges, +4,780 yen" is shown to be "saving failure".

On the other hand, in the example shown in FIG. 5 (b), the screen is almost the same as the screen in FIG. 5 (a), but "April 11, 6,230 yen, NIFTY, +770 yen" is "not yet". It can be seen that the display has changed from "savings" to "saved" and that it has increased to the current "amount of funds in savings: 5,770 yen".
In this way, the user can view and refer to the current accumulated funds and the status of the transfer process at any time via the customer terminal 40 operated by the user, and can change the fund transfer status. ..

To change the fund transfer status, the setting of "unsaved" and "saved" can be switched by tapping the icon display of "unsaved" shown in FIG. 5A.
Similarly, the icon display of "saving failure" can be switched to "saving" by tapping or the like.
In addition, the "manual" or "automatic" fund transfer status shown in FIGS. 5A and 5B can also be switched between "automatic" and "manual" by tapping or the like.

In addition, although not particularly shown in FIGS. 3 to 5 described above, when the above-mentioned "saving rule" is set to "electricity charge: 20,000 yen or less" (see FIG. 2), the month When the electricity bill approaches 20,000 yen (for example, when it exceeds 80% (16,000 yen) of the set amount), a predetermined alert can be notified. As the alert notification, for example, a predetermined character, a warning display, or the like can be displayed in the item of "electricity charge" on the display screen.
For example, the timing of the alert notification can be set in advance on the fractional fund transfer storage server 10 side, and if necessary, the user can change it on the dedicated application or the setting screen on the website. You can also set "No" to notify alerts.

Further, as described above, for example, when a target savings amount for the month is set, an alert notification can be sent even when the amount is unlikely to be reached. Whether or not the target amount is likely to be reached can be estimated and determined by comparing with the actual results of the previous month, for example.
In addition, when the target savings amount is continuously achieved at an early stage, a predetermined message can be notified to raise the set amount. For example, if the month when 100% of the set amount is reached before the 20th of every month continues for a predetermined number of times (for example, 3 times), the past results are displayed and the amount obtained by adding the predetermined amount to the current target amount. Can be set as a new target amount and a message such as "Would you like to challenge the target amount of 15,000 yen?" Is displayed to propose more efficient savings that match the user's financial situation.

Then, when the transfer amount of the accumulated account of the financial institution device 30 reaches a predetermined amount by performing the fund transfer processing operation as described above, the transfer funds are used to perform the purchase processing (transfer of funds) of the predetermined financial product. Will be executed.
For the purchase of this financial product, for example, once a month, the amount of the accumulated account on the "monthly closing date" (see Fig. 6 (c)) exceeds the "monthly target savings amount" (see Fig. 7 (c)). If so, the purchase (transfer of funds) of a predetermined financial product can be performed.
As a result, users can shift the accumulated funds saved from daily fractional funds and savings funds to financial products that can obtain more favorable dividends and yields, and efficient asset management etc. will be realized. ..

[Setting display screen]
Next, in the fractional fund transfer storage system 1 as described above, FIGS. 6 and 7 show an example of an input display screen of setting items for the fractional fund transfer storage server 10 that can be input and set on the customer terminal 40 side.
FIG. 6A is a screen for selectively displaying various setting items that can be set in the fractional fund transfer storage server 10.
As shown in the figure, from this screen, select each item of "Fund calculation rule", "Month closing date", "Alert notification", "Monthly target amount", "Account for saving funds", and make detailed settings for each item. It can be performed.

FIG. 6B is a setting screen of the “fund calculation rule”.
From this screen, the necessity of each item of "fractional rule", "saving rule", "regular rule", and "other rule" as the above-mentioned "fund calculation rule", and "manual" or "automatic" for each item You can select and set the fund transfer mode of.
FIG. 6C is a setting screen for the “month closing date”.
From this screen, it is possible to set the reference date for the monthly closing process for the saved funds transferred to the storage account, and in the figure, "the end of the month" is selected and set as the monthly closing date.

FIG. 7A is a setting screen for “alert notification”.
As shown in the figure, in the present embodiment, as a case of performing "alert notification", it is possible to set each of "monthly target savings amount" and "saving rule".
When "Alert notification" is set to "Monthly target amount" (see Fig. 7 (b)), it is possible to perform a predetermined alert notification when it is estimated / determined that the amount is unlikely to be reached. it can. When "alert notification" is set to "saving rule", the maximum amount (saving amount) set as "saving rule", for example, "electricity charge: 20,000 yen or less" or "eating out: 40,000" When a predetermined ratio (for example, 80% of the set amount) is reached with respect to "yen or less", a predetermined alert notification can be made (see FIG. 7B).
FIG. 7C is a setting screen for the “monthly target savings amount”.
From this screen, it is possible to set a "monthly target savings amount" (target amount according to the present invention) of funds to be transferred to the accumulation account using the fractional fund transfer accumulation system 1.

[Multiple account settings]
In the fractional fund transfer storage system 1 according to the embodiment of the present invention as described above, a plurality of storage accounts can be set by one (single) user as a storage account for saving the transfer funds.
FIG. 8 shows an example of a display screen when a plurality of storage accounts are set from the setting screen of the customer terminal 40, and FIG. 8A shows the “fund savings account” selected in FIG. 6A. This is the case when "Create a new fund saving account" is selected on the setting screen, and FIG. 8 (b) shows the screen when the "donation" account is created as a result, and FIG. 8 (b). c) is the setting screen of the "donation" account selected and set in (b).

With such a setting from the customer terminal 40, in a financial institution, a plurality of storage accounts are assigned to, for example, a separate deposit or a pool account.
In the example shown in FIG. 8, as a "fund savings account", in addition to the main "standard" account, a "donation" account is provided, and a predetermined point is given to the "donation" account (●). ● When the point) is performed, the transfer process is executed "automatically".
In this way, in the present embodiment, a plurality of storage accounts are created according to the purpose of savings, the target amount of money, the target of savings, etc., such as a "standard" account for pure fund savings and an account for "funding". It can be provided, and various savings and savings can be made.

Hereinafter, the transfer processing operation when two accounts "standard" and "for donation" are set as storage accounts will be described with reference to FIGS. 9 to 12.
FIG. 9 shows a case where a “donation” account is set up in addition to the “standard” account, and a withdrawal transaction corresponding to FIG. 3 described above is performed, as compared with the case of FIG. For each withdrawal transaction, information (item) as to which storage account to specify is added.
That is, in the example of FIG. 9, by performing the same bank transaction and card use as in the case of FIG. 3 described above, "April 11: Tennis school, 4,860 yen, Fund amount: 140 yen", " April 11: NIFTY ・ 6,230 yen ・ Fund amount: 770 yen ”,“ April 11: Regular rule (monthly) ・ Fund amount 5,000 yen ”,“ April 3: Electricity charge ・ 15, Each withdrawal transaction of "220 yen, fund amount: 4,780 yen" is processed as "fund savings account: standard".
In addition to this, for "April 1: ●● points 500 yen", the entire amount is automatically transferred to the "donation" account as "fund savings account: for donation". I understand.

The transfer result can be displayed and confirmed on the screen of the display means 42 of the customer terminal 40 (see FIG. 10).
FIG. 10A shows the savings status of the “standard” account as of April 11, which is similar to the content shown in FIG. 5A above.
On the other hand, Fig. 10 (b) shows the savings status of the "donation" account as of April 11th, and "April 1st, ●● points, +500 yen" is processed by "automatic" processing. It is shown to be "saved".
The display screen (accumulated fund reference information) of the "standard" account and the "donation" account can be switched, for example, at a predetermined location on the display screen ("standard" / "donation" at the top of the display screen in FIG. It can be done by swiping (the character part of).

FIG. 11 shows a case where a withdrawal transaction corresponding to FIG. 4 described above is performed when a “donation” account is set in addition to the “standard” account.
In the example shown in the figure, the same bank transactions and card usage as in the case of FIG. 4 described above are performed, but as shown in FIG. 9, "April 11: NIFTY, 6,230 yen, fund amount: 770 yen" -For fund transfer mode: manual-fund transfer status: unsaved, the fund transfer status has been changed to "save", and the specified storage account has been changed from "standard" to "for donation". It has become.
To change the accumulated account, for example, when changing "unsaved" to "save", by generating and displaying a display screen that allows you to select the account to use, either "standard" or "for donation" You can choose your donation.

In this way, the "unsaved" can be changed to "save" by the input operation from the customer terminal 40, and the designated account can also be selected / changed. This makes it possible to provide more flexible and diverse savings and savings patterns.
The transfer result can also be displayed and confirmed on the screen of the display means 42 of the customer terminal 40 (see FIG. 12).
FIG. 12 (a) shows the savings status of the “standard” account as of April 12, which is similar to the content shown in FIG. 5 (a) above.
On the other hand, Fig. 12 (b) shows the savings status of the "donation" account as of April 12, and in addition to "April 1, ●● points, +500 yen", "April" It was confirmed that "11th, 6,230 yen, NIFTY, +770 yen" was changed to "saved" by "manual" processing, and increased to "funds in savings: 1,270 yen". You can refer to it.

[Shared account settings]
As described above, in the fractional fund transfer accumulation system 1 according to the present embodiment, one user can set a plurality of accounts as the accumulation accounts for savings.
Further, in the present embodiment, one (common) storage account can be set as the storage account by a plurality of users.
For example, three family members can save fractional funds and savings funds in one storage account.
FIG. 13 is an example of a display screen when one storage account shared by a plurality of users is set from the setting screen of the customer terminal 40, and FIG. 13A is the “display screen selected in FIG. 6A). This is the case when "Create a new fund saving account" is selected on the setting screen of "Fund saving account", and FIG. 8 (b) shows the screen when the "shared" account is created as a result. Further, FIG. 8C is a setting screen for the “shared” account selected and set in FIG. 8B.

With such a setting from the customer terminal 40, the financial institution assigns a plurality of users to one storage account set as a separate deposit, a pool account, or the like.
In the example shown in FIG. 13, in addition to the above-mentioned "standard" account and "donation" account, a "shared" account is separately provided as the "fund saving account", and three people are set in the "shared" account. User is set.
In this way, by setting the storage account according to the present embodiment as "shared", one storage account can be used for fractional amounts, savings amounts, etc. generated by individual bank transactions and card usage of a plurality of (three) users. It is possible to save and accumulate in the bank, and more efficient savings and asset formation are possible.
The number of users that can be set in the "shared" account and the attributes that can be shared are not particularly limited, and it is possible to have a shared account among the users with the number of users and attributes set by the financial institution. Is.

As described above, according to the present embodiment, the user sets an arbitrary fund calculation rule on the fractional fund transfer storage server 10 based on the user's daily payment or the like for the target savings fund. The fractional amount calculated in the above can be transferred as savings.
In particular, by making it possible to set multiple different rules such as fractional rules, saving rules, regular rules, and other rules as fund calculation rules, it is possible to make efficient and continuous savings within a reasonable range for the user. it can.
In addition, active saving behavior is naturally encouraged by setting rules that can encourage users to curb their spending and save ideas, such as saving on utilities and eating out, and rewarding their favorite events and themselves.・ It becomes possible to arouse.

Therefore, we provide services that are suitable for saving funds for purchasing financial products while flexibly responding to the diverse needs, consumption patterns, lifestyle patterns, etc. of individual users, especially when providing asset management advice for individuals. It becomes possible to do.
In this way, according to one embodiment of the fractional fund transfer accumulation system according to the present invention, it is possible to flexibly respond to the diverse needs of various individual users, and in particular, to be specific to the daily life cycle and the like. It can be realized as FinTech, which can make suitable proposals to individual investors who are considering targeted and systematic asset management and investment plans.

In the present embodiment described above, as an example of the display screen output / displayed on the customer terminal 40 side, a case where the display screen is displayed on a relatively small screen display means such as a display of a smartphone or a mobile phone is shown. (Figs. 5-8, 10, 12, 13).
However, the display screen generated and displayed in the present invention can of course be displayed on a relatively large screen display means such as a display means of a PC or a tablet terminal.

Although the present invention has been described above with reference to preferred embodiments, it goes without saying that the present invention is not limited to the above-described embodiments, and various modifications can be made within the scope of the present invention.
For example, in the above-described embodiment, "fractional rule", "saving rule", "regular rule", and "other rule" are shown as "fund calculation rule" according to the present invention, but these are "fund calculation rule". It is an example, and is not limited to these. That is, the "fund calculation rule" according to the present invention can adopt a part or all of the above-mentioned "fractional rule", "saving rule", "regular rule", and "other rule", and together with them. Can add or replace different rules. The rules and conditions for stimulating the user's saving consciousness and investment motivation to efficiently and continuously save money can be adopted as the "fund calculation rule" according to the present invention.

Further, in the above-described embodiment, the fractional fund transfer storage server and the financial institution device are configured as separate and independent devices, but these can also be configured by a single (common) device or system.
In that case, the fractional fund transfer accumulation system according to the present invention will be realized as a part of the financial institution apparatus provided in the financial institution.

Further, in the above-described embodiment, a bank is shown as a specific example of a financial institution provided with a fund account / storage account according to the present invention, but the present invention is not particularly limited to the bank.
In addition to banks, financial institutions that can have a withdrawal account used for daily consumption and settlement of users may be, for example, a post office, a trust bank, a credit union, or a credit union.
Further, the financial institution that can have a storage account to which funds are transferred may be a post office, a trust bank, a credit union, a credit union, a securities company, an investment trust company, or the like as described above.

Further, a financial institution having a fund account (for example, a bank) and a financial institution having a storage account (for example, a securities company) may be different financial institutions. In that case, the transfer funds can be transferred from a financial institution having a fund account to a financial institution having a storage account by remittance or transfer. Here, in the above-described embodiment, the fund transfer instruction means 15 transmits the predetermined fund transfer instruction information to the financial institution device 30 based on the fund calculation result information stored in the fund calculation result DB 14 at a predetermined timing. However, as the predetermined timing, there is a predetermined periodic timing such as a timing in which the record to be processed is stored in the fund calculation result DB 14, a daily basis, a monthly basis, or the like. In particular, in the case of regular timing, a plurality of records are added up and the total amount is remitted or transferred, so that it can be operated at low cost when a bank fee is incurred. For example, some financial institutions charge no fees for transfers between branches, and if the bank fees are free, the transfers are made at the timing of adding records, and if the bank fees are charged, the fees are processed at regular timings. It can also be configured as.
Further, the display screen that can be displayed / viewed on the customer terminal shown in the above embodiment is an example, and it goes without saying that the screen configuration and contents can be arbitrarily set / changed.

INDUSTRIAL APPLICABILITY The present invention can be suitably used for a fractional fund transfer accumulation system that supports a business in which a financial institution or the like provides advice or proposals related to investment to investors.

1 Fractional fund transfer storage system 10 Fractional fund transfer storage server 11 Fund calculation rule DB
12 Account information DB
13 Fund calculation means 14 Fund calculation result DB
15 Fund transfer instruction means 16 Fund transfer result DB
17 Accumulated fund reference means (accumulated fund information generation means)
20 Financial institution equipment (card company)
30 Financial institution equipment (bank)
31 Fund Account DB
32 Storage account DB
40 Customer terminal 41 Fund calculation rule setting means 42 Display means

Claims (3)

An information processing system equipped with storage means, calculation means, and instruction means.
The storage means stores a predetermined rule and information about the user's first account.
The calculation means calculates the transfer amount to be transferred from the first account to the second account of the user based on the predetermined rule.
The instruction means transmits predetermined fund transfer instruction information to a predetermined financial institution device that manages the first account based on the transfer amount.
The predetermined rule is a rule for calculating a fractional amount indicated by the difference between one or more amounts of each amount related to usage statement information or transaction information and a predetermined set amount as the transfer amount.
An information processing system in which it is possible to set whether or not to transfer the predetermined rule for each usage detail information or transaction information. The information processing system according to claim 1, wherein the instruction means transmits the fund transfer instruction information by using the total amount of the plurality of transfer amounts as one transfer amount at a predetermined timing. The information processing according to claim 1 or 2, wherein when the transfer amount reaches a predetermined amount, a predetermined financial institution device is made to execute a purchase process of a predetermined financial product using the transfer amount of the second account. system.