JP2021002400A - Program and server - Google Patents

Abstract

To support economic activities of a user seamlessly from short-term balance management and information provision to long-term asset building and consumption lying ahead.SOLUTION: A program causes a computer to implement the functions to: obtain a result of balance calculation on the basis of deposit and withdrawal data on a first account of a user; and ask a user on a display whether or not a fund of an amount on the basis of the obtained result is transferred between the first account and a second account of the user different from the first account.SELECTED DRAWING: Figure 2

Description

The present invention relates to programs and servers.

With the development of the Internet in recent years, it has become possible to carry out various commercial transactions on the Internet. The use of the Internet is also advancing at financial institutions such as banks, and users can make transfers, transfers, and check account balances by logging in to a server managed by a financial institution from their home personal computer or smartphone. You can do it. For example, Patent Document 1 discloses a system that provides such an Internet banking service.

JP-A-2002-334210

Patent Document 1 discloses a technique for reflecting the result of a transaction performed by a bank server on an account in household account book software. Certainly, this may save users the trouble of keeping a household account book. However, today's users want a more consistent and easy-to-use service, and there is still room for improvement.

The present invention has been made in view of these problems, and an object of the present invention is a technology that can seamlessly support a user's economic activities from short-term income and expenditure management and information provision to long-term asset formation and future consumption. Is in the offer.

One aspect of the invention relates to a program. This program has a function to acquire the result of balance calculation based on the deposit / withdrawal data of the user's first account and the amount of funds based on the acquired result to the computer that can communicate with the server via the network. A function to inquire the user on the display whether or not to move between the account and the second account of the user different from the first account, information indicating the acquired result in response to the inquiry to the user, and the first When the function to display the amount designation reception area that accepts the designation of the amount of funds to be transferred between the 1st account and the 2nd account on the display and the instruction to move from the user in response to the inquiry to the user are received. , A function of transmitting a movement instruction signal including a specified amount in relation to the amount designation reception area to the server is realized. Upon receiving the transfer instruction signal, the server executes a process for transferring a specified amount of funds between the first account and the second account.

Another aspect of the invention is also a program. This program has a function to acquire the result of income and expenditure calculation based on the deposit and withdrawal data of the user's first account, and the amount of funds based on the acquired result is the second of the user who is different from the first account and the first account. The computer will be equipped with a function to ask the user on the display whether or not to move it to or from the account.

Another aspect of the invention is also a program. This program provides a server that sorts the balance of a user's account and a computer that can communicate via a network with specific information of a group containing at least one content specified by the user and a sorting unit related to the specific information. The first display function that displays the instruction reception area for creating in association with the display, and the purpose input for inputting the deposit purpose for specifying the unit to be created when the reception area receives the instruction. A second display function for displaying an area on a display is realized.

Another aspect of the invention is a server. This server has an acquisition unit that acquires the balance of the second account from another server that manages the user's first account and the user's second account, which has a lower degree of freedom of withdrawal than the first account. It is provided with a sorting unit that sorts the balance acquired by the acquisition unit.

It should be noted that any combination of the above components and those in which the components and expressions of the present invention are mutually replaced between devices, methods, systems, computer programs, recording media storing computer programs, etc. are also the present invention. It is effective as an aspect of.

According to the present invention, it is possible to seamlessly support a user's economic activities from short-term income and expenditure management and information provision to long-term asset formation and further consumption.

It is explanatory drawing of two areas in a customer consumption behavior. It is a schematic diagram which shows an example of the structure of the account management system which concerns on embodiment. It is a block diagram which shows an example of the function and structure of the mobile terminal of FIG. It is a block diagram which shows an example of the function and configuration of the support server of FIG. It is a data structure diagram which shows an example of the user information holding part of FIG. It is a data structure diagram which shows an example of the clipboard holding part of FIG. It is a data structure diagram which shows an example of the deposit information holding part by purpose of FIG. It is a data structure diagram which shows an example of the coupon information holding part of FIG. It is a flowchart which shows an example of a series of processing in the mobile terminal of FIG. 10 (a) to 10 (e) are representative screen views of screens displayed on a display in various steps of a series of processes. 11 (a) and 11 (b) are representative screen views showing a screen displayed on the display in the balance management process. 12 (a) and 12 (b) are representative screen views of the screen displayed on the display in the content providing process. 13 (a) to 13 (d) are representative screen views of the screen displayed on the display in the content / deposit interlocking process. It is a data structure diagram which shows an example of the purpose correspondence holding part. 15 (a) to 15 (e) are representative screen views of screens displayed on the display in the purpose-specific deposit management process. FIG. 16A is a representative screen view of the income and expenditure result screen according to the modified example, and FIG. 16B shows a distribution setting area when the amount to be distributed to each purpose-specific deposit is indicated by a numerical value. c) shows another display mode of the amount allocated to the purpose-specific deposits. 17 (a) to 17 (d) are representative screen views of the screen displayed on the display in the goal achievement process. It is a representative screen diagram of the initial registration screen. 19 (a) and 19 (b) are representative screen views of the screen displayed on the display in the account registration process. 20 (a) to 20 (c) are representative screen views of the screen displayed on the display in the authentication process.

Hereinafter, the same or equivalent components, members, and processes shown in the drawings shall be designated by the same reference numerals, and redundant description will be omitted as appropriate.

The account management system according to the embodiment provides a service platform for account management utilizing a high-performance mobile terminal such as a smartphone. FIG. 1 is an explanatory diagram of two areas in customer consumption behavior. The account management system captures low-value and high-frequency consumption by debits (the area surrounded by frame 2 in Fig. 1), that is, daily consumption, and medium- and high-value and low-frequency consumption by savings and loans (enclosed in frame 4 in Fig. 1). We will provide a seamless service experience that supports lifestyles / life events by connecting the areas where customers are involved, that is, the stimulation of extraordinary consumption through the customer contact point of smartphones. For capturing low-value and high-frequency consumption, the account management system provides users with the function of visualizing daily consumption and transferring surplus funds through monthly balance management. Regarding the arousal of medium- and high-priced / low-frequency consumption, the account management system stimulates extraordinary consumption (large-scale consumption) by providing related information content, and supports the achievement of such consumption by deposits by purpose. In addition, the account management system recommends products and services related to the purpose of deposit by purpose.

In particular, in the present embodiment, the following functions are provided by the account management system.
(1) Balance management based on account information (2) Guidance to save surplus funds (3) Guidance from provision of information content to setting of deposits by purpose (4) Management of deposits by purpose (5) Deposits by purpose Providing rewards / incentives for users Therefore, it is possible to contribute not only to short-term income and expenditure management but also to long-term asset formation of users by inducing savings from there. In addition, by managing savings according to purpose, it is possible to more effectively support large-scale consumption beyond the savings.

FIG. 2 is a schematic diagram showing an example of the configuration of the account management system 10 according to the embodiment. The account management system 10 includes a mobile terminal 12 such as a smartphone or a tablet terminal, a support server 16, and a core banking server 18. The mobile terminal 12, the support server 16, and the accounting server 18 are all connected to a network 14 such as the Internet, and communicate with each other via the network 14. There is no limit to the number of each element of the account management system 10.

The core banking server 18 is a server included in the core banking system of a financial institution such as a bank. Core banking systems manage account balances, calculate interest, deposit and withdraw and transfer money, process remittances, foreign exchange transactions, and settle funds with other financial institutions. The core banking system may be configured using known techniques. The financial institution that manages the core banking system (hereinafter, simply referred to as a financial institution) and the support entity that manages the support server 16 may be the same or different. In the present embodiment, cases where they are different will be described.

The user of the mobile terminal 12 downloads (step S30) the account management application program (hereinafter referred to as a management application) 20 from the download site to the mobile terminal 12 via the network 14 and installs it. Alternatively, the management application 20 may be pre-installed on the mobile terminal 12. The management application 20 is provided by the support entity. When the management application 20 is executed by the mobile terminal 12, the mobile terminal 12 communicates with the support server 16 via the network 14 to realize various functions. Hereinafter, a function realized by executing the management application 20 by the mobile terminal 12 (a processing unit such as a CPU (Central Processing Unit)) will be described as a function of the mobile terminal 12. These functions are actually functions that the management application 20 realizes on the mobile terminal 12.

The accounting server 18 holds information on the savings account 22 and information on the savings account 24 of the user of the mobile terminal 12. The savings account 22 and the savings account 24 are a savings account and a savings account opened by a user at a financial institution, respectively, and are managed by the financial institution. It can be said that a savings account is an account for income and expenditure management, and a savings deposit account is an account for deposits. The support server 16 acquires the deposit / withdrawal data of the savings account 22 from the accounting server 18 via the network 14 (step S32), calculates the balance, and generates the monthly balance data 26. The mobile terminal 12 acquires the balance data 26 from the support server 16 via the network 14 (S34). When the result of the income and expenditure calculation shown in the income and expenditure data 26, that is, the difference between the income and the expenditure is positive, the mobile terminal 12 prompts the user to save the amount corresponding to the difference. When the mobile terminal 12 receives the saving instruction from the user, the mobile terminal 12 notifies the support server 16 of the designated saving amount. The support server 16 requests the accounting server 18 to transfer the notified savings amount of funds from the savings account 22 to the savings account 24 (step S36). The core banking server 18 executes a transfer (or transfer) from the savings account 22 to the savings account 24.

The support server 16 virtually sorts the balance of the user's savings deposit account 24. Since the support server 16 sorts the balance for the purpose of deposit, the unit of sorting is specified by the purpose of deposit. The support server 16 has purpose-specific deposit data 29 that holds the deposit purpose for each user and the amount allocated to the deposit purpose in association with each other. The savings deposit account 24 of the accounting server 18 and the purpose-specific deposit data 29 of the support server 16 are linked, and the total amount of the purpose-specific deposit data 29 including the unset purpose matches the balance of the savings deposit account 24. To do. The user can set the purpose-specific deposit data 29 via the mobile terminal 12 and the network 14. For example, a user who sees the information content provided by the support server 16 may set a new deposit purpose. In this case, a sorting unit corresponding to the new deposit purpose set is added to the purpose-specific deposit data 29. In the example of FIG. 2, it is assumed that the purpose-specific deposit data 29 originally includes a unit specified by the purpose of deposit "travel" and a unit specified by "marriage". When a user who is inspired by information content about a house such as remodeling or sales of a tower apartment sets a new deposit purpose "house", the support server 16 sorts the deposit data 29 by purpose specified by the new deposit purpose "house". Unit 27 is added. Since the unit of sorting is specified by the purpose of deposit, the unit of sorting is referred to as a purpose-specific deposit in this specification. In this embodiment, no account number is assigned to the purpose-specific deposit.

In this way, the account management system 10 supports the accumulation of daily savings little by little by connecting the income and expenditure management to the transfer of surplus funds, and is accumulated by connecting the provision of information content to the setting of deposits by purpose. Induce the savings to medium-sized and large-sized consumption. Therefore, by using the account management system 10, the user can receive seamless support in almost all phases from savings to consumption.

FIG. 3 is a block diagram showing an example of the functions and configurations of the mobile terminal 12 of FIG. The mobile terminal 12 may be any terminal as long as the management application 20 can be installed and executed, and may be, for example, a known mobile terminal. The mobile terminal 12 includes a memory 121, a processor 122, a communication interface 123, a display 124, and an input interface 125. Each of these elements is connected to bus 126 and communicates with each other via bus 126.

The memory 121 is a storage area for storing data and programs. The data or program may be permanently stored in the memory 121 or may be temporarily stored. In particular, the memory 121 stores the management application 20. The processor 122 realizes various functions in the mobile terminal 12 by executing a program stored in the memory 121, particularly the management application 20. The communication interface 123 is an interface for transmitting and receiving data to and from the outside of the mobile terminal 12. For example, the communication interface 123 includes an interface for accessing the wireless communication network of a mobile phone, an interface for accessing a wireless LAN (Local Area Network), and the like. Further, the communication interface 123 may include, for example, an interface of a wired network such as USB (Universal Serial Bus). The display 124 is a device for displaying various information, such as a liquid crystal display or an organic EL (Electroluminescence) display. The input interface 125 is a device for receiving input from the user. The input interface 125 includes, for example, a touch panel provided on the display 124, various input keys, and the like.

FIG. 4 is a block diagram showing an example of the functions and configurations of the support server 16 of FIG. The support server 16 includes a user authentication unit 102, a balance processing unit 104, a content processing unit 106, a purpose-specific deposit creation reception unit 108, a purpose-specific deposit information transmission unit 110, a coupon information transmission unit 112, and coupon use. It includes a registration unit 114, a user information holding unit 116, a clipboard holding unit 118, a purpose-specific deposit information holding unit 130, and a coupon information holding unit 132.

The balance processing unit 104 processes the balance based on the deposit / withdrawal data of the user's savings account 22. The income and expenditure processing unit 104 is particularly related to a function of connecting the income and expenditure management to the savings deposit account 24 of surplus funds. The income and expenditure processing unit 104 includes an account information acquisition unit 134, an income and expenditure calculation unit 136, an income and expenditure information transmission unit 138, and a core banking cooperation unit 140.

The content processing unit 106 performs processing related to information content. The content processing unit 106 particularly relates to a function of connecting information content provision to setting a purpose-specific deposit. The content processing unit 106 includes a content acquisition unit 142, a content transmission unit 144, a grouping unit 146, and a clipboard transmission unit 148.

FIG. 5 is a data structure diagram showing an example of the user information holding unit 116 of FIG. The user information holding unit 116 displays a user ID and password for identifying the user, a savings account number opened by the user at the financial institution, a savings deposit account number opened by the user at the financial institution, and the mobile terminal 12. The closing date, which is the reference timing for the balance calculation set in advance by the user, is associated and held. The user ID may be the user's email address. The closing date may be selected from the end of the month, the beginning of the month, the 25th of every month, or the like, or may be freely set by the user.

FIG. 6 is a data structure diagram showing an example of the clipboard holding unit 118 of FIG. The clipboard holding unit 118 holds a user ID, a group ID that identifies a group of information contents, and information contents belonging to the group in association with each other. Information content includes a collection of information related to goods and services such as travel, car, marriage, parenting, housing, experience, encounter, and living. The information content may be digital data such as articles, tweets, and photographs. Information contents are tagged with themes, genres, attributes, and characteristics. The group is set based on this tag. The clipboard holding unit 118 may hold the information content itself, or may hold a link to the information content.

FIG. 7 is a data structure diagram showing an example of the purpose-specific deposit information holding unit 130 of FIG. The data held in the purpose-specific deposit information holding unit 130 corresponds to the purpose-specific deposit data 29. The purpose-specific deposit information holding unit 130 includes a user ID, a balance of the user's savings deposit account specified by the user ID, a deposit purpose including unset, a purpose-specific balance which is a purpose-specific deposit balance, and a target amount. , And the monthly savings amount and the savings execution date are held in association with each other. Each entry of the purpose-specific deposit information holding unit 130 corresponds to a purpose-specific deposit. For each user ID, the total balance of deposits by purpose matches the balance of the savings deposit account.

FIG. 8 is a data structure diagram showing an example of the coupon information holding unit 132 of FIG. The coupon information holding unit 132 holds the deposit purpose, the reference amount, the content of the coupon, and the usage declaration user ID that identifies the user who has declared the use of the coupon in association with each other. The coupon information holding unit 132 is configured to allow the setting of a plurality of reference amounts for each deposit purpose. A coupon is a form of advertisement provided by a business entity such as a company that conducts a business related to the corresponding deposit purpose.

The operation of the account management system 10 with the above configuration will be described.
FIG. 9 is a flowchart showing an example of a series of processes in the mobile terminal 12 of FIG. 10 (a) to 10 (e) are representative screen views of screens displayed on the display 124 in various steps of a series of processes. Here, it is assumed that the user has already registered an account for the management application 20 and has also registered a savings account. That is, the case where the management application 20 is started in the state where the initial usage registration and the account registration have been completed will be described. The processing related to initial registration and account registration will be described later.

When the user taps the icon of the management application 20 displayed on the display 124 of the mobile terminal 12, the mobile terminal 12 activates the management application 20 (S202). The mobile terminal 12 displays the application start screen 640 (FIG. 10A) on the display 124. The application start screen 640 has an initial registration button 642 and a normal start button 644. Since the user has completed the initial registration to the management application 20, the normal start button 644 is tapped. When the tap on the normal start button 644 is detected, the mobile terminal 12 causes the display 124 to display the login screen 240 (FIG. 10 (b)) for authenticating the user (S204).

The login screen 240 has an authentication information input area 250 for accepting input of authentication information including a user ID and a password, and a login button 252. The user inputs his / her e-mail address and password in the authentication information input area 250, and taps the login button 252. When the login button 252 is tapped, the mobile terminal 12 transmits the authentication information input in the authentication information input area 250 to the support server 16 via the network 14.

As described above, in the example shown in FIG. 9, the user ID / password is not held in the mobile terminal 12, and the user is required to authenticate each time he / she logs in. The timing for requesting the input of the authentication information is set at the timing for restarting the module inside the management application 20 (for example, at intervals of about 24 hours), and the input of the user ID / password is required again at the set timing. (That is, the transition to the login screen 240 is made in response to the tap of the normal start button 644). Also, when the user explicitly stops / starts the management application 20 (for example, after turning off the power of the mobile terminal 12 and then starting the management application 20), the user ID / password is required to be input again. Will be done. However, the input of the user ID / password may not be required between the restart of the module inside the management application 20 and the next restart.

The user authentication unit 102 of the support server 16 performs user authentication based on the received authentication information. The user authentication unit 102 determines that the authentication is successful if the set of the user ID and password included in the received authentication information is registered in the user information holding unit 116, and that the authentication is unsuccessful otherwise. The user authentication unit 102 transmits the result of user authentication to the mobile terminal 12 via the network 14.

When the user authentication unit 102 determines that the authentication is successful, the account information acquisition unit 134 uses the network 14 to collect the deposit / withdrawal data for a predetermined period from the deposit / withdrawal data of the authenticated user's ordinary deposit account. Obtained from server 18. The predetermined period may be one month, three months, half a year, or one year. The account information acquisition unit 134 refers to the user information holding unit 116 to specify the number of the savings account corresponding to the user ID of the authenticated user. The account information acquisition unit 134 generates a deposit / withdrawal data request signal including a specified savings account number and information for designating a predetermined period, and transmits the signal to the accounting server 18 via the network 14. The accounting server 18 cuts out the deposit / withdrawal data of the savings account specified by the number included in the received deposit / withdrawal data request signal for a specified predetermined period, and transmits the deposit / withdrawal data to the support server 16 via the network 14. The account information acquisition unit 134 receives deposit / withdrawal data for a predetermined period.

The balance calculation unit 136 executes monthly balance calculation for the deposit / withdrawal data for a predetermined period acquired by the account information acquisition unit 134. The balance calculation unit 136 extracts the deadline corresponding to the user ID of the authenticated user from the user information holding unit 116. Hereinafter, for convenience of explanation, the period from today to the day after the latest closing date will be referred to as this month, and the period from the latest closing date to the next closing date will be referred to as last month. The balance calculation unit 136 extracts the deposit / withdrawal data generated during this month and the deposit / withdrawal data generated during the last month from the deposit / withdrawal data for a predetermined period as this month's deposit / withdrawal data and last month's deposit / withdrawal data, respectively. For example, suppose that the current date is September 16th, the closing date is the 25th of every month, and the account information acquisition unit 134 has acquired deposit / withdrawal data for three months (July 16th to September 16th). The income and expenditure calculation unit 136 acquires the deposit / withdrawal data generated during the calculation period (this month) from August 26 to September 16 as this month's deposit / withdrawal data. The income and expenditure calculation unit 136 acquires the deposit / withdrawal data generated during the calculation period from July 26 to August 25 as the deposit / withdrawal data last month.

The income and expenditure calculation unit 136 divides this month's deposit and withdrawal data into income and expenditure, and further creates this month's deposit and withdrawal detail data classified by income and expenditure items in each of income and expenditure. The income and expenditure calculation unit 136 adds up this month's income to obtain this month's total income, and adds up this month's expenditure to obtain this month's total expenditure. The balance calculation unit 136 acquires the difference between this month's total income and this month's total expenditure as this month's balance result. This month's deposit / withdrawal statement data, this month's total income, this month's total expenditure, and this month's income and expenditure results constitute this month's income and expenditure data 26. The balance calculation unit 136 performs the same calculation on the deposit / withdrawal data of last month and generates the balance data of last month.

The balance calculation unit 136 may perform the same calculation on the deposit / withdrawal data before the month before last. The income and expenditure calculation unit 136 may perform the calculation in units of other calculation periods such as weekly units and quarterly units instead of monthly units. The unit and the length of the predetermined period in the account information acquisition unit 134 may correspond to each other.

The balance information transmission unit 138 transmits the balance data of last month and this month generated by the balance calculation unit 136 to the mobile terminal 12 via the network 14. The mobile terminal 12 receives the income and expenditure data thereof following the result of the user authentication.

If the result of the received user authentication is authentication failure (N in S206), the mobile terminal 12 returns the process to step S204. If the result of the received user authentication is successful (Y in S206), the mobile terminal 12 displays the home screen 242 (FIG. 10 (c)) on the display 124 (S208).

The home screen 242 includes a menu button 241, a balance result display area 254, a point display area 256, a profit information area 258, a my coupon area 260, a content guidance area 262, a home button 264, and a clip button 266. It has a savings button 268 and a wallet button 270. In the balance result display area 254, the result of the balance calculation included in the balance data of this month received by the mobile terminal 12 is displayed. In particular, in the balance result display area 254, the number of the authenticated user's savings account, the balance of the account, the total income of this month, the total expenditure of this month, and the balance result of this month are displayed. In the point display area 256, the points currently given to the user are displayed. This point may be granted and managed by a support entity, or may be granted and managed by a financial institution. When the mobile terminal 12 detects a tap on the profitable information area 258, the mobile terminal 12 causes the display 124 to display a profitable information display screen (not shown) for displaying a coupon or the like for a limited time. The user's tap on the profitable information area 258 is one aspect of the user's instruction to display the profitable information. When the mobile terminal 12 detects a tap on the home button 264, the mobile terminal 12 displays the home screen 242 on the display 124. My coupon area 260, content guidance area 262, clip button 266, savings button 268, and wallet button 270 will be described later.

The mobile terminal 12 determines whether or not the tightening process is necessary according to the display on the home screen 242 (S210). The mobile terminal 12 determines that the closing process is necessary when the management application 20 is started for the first time after the closing date has arrived, and determines that the closing process is not necessary otherwise. That is, it is determined that the closing process is unnecessary from the second activation onward after the closing date has arrived until the next closing date has arrived. This is managed by a state flag or the like held in the memory 121 of the mobile terminal 12. When it is determined that the tightening process is unnecessary (N in S210), the mobile terminal 12 ends the process.

When it is determined that the tightening process is necessary (Y in S210), the mobile terminal 12 displays the balance result screen 244 (FIG. 10 (d)) on the display 124 (S212). The balance result screen 244 may be displayed on the display 124 by, for example, a push notification, even when the management application 20 is not activated. The balance result screen 244 displays the balance of the last month based on the balance data of the last month received by the mobile terminal 12. In this embodiment, the case where the total income of last month exceeds the total expenditure of last month and therefore the balance result of last month is positive will be described.

The income and expenditure result screen 244 enables confirmation of the income and expenditure of last month and guides the transfer of the amount of funds to the savings deposit account based on the result. By displaying the balance result screen 244, the mobile terminal 12 displays whether or not to move the amount of funds based on the balance result of last month included in the balance data of last month between the savings account and the savings deposit account. Contact the user above. The balance result screen 244 has a difference display area 272, a setting slider 274, a deposit button 276, a non-deposit button 278, and a button 277 later. In the difference display area 272, the last month's balance result included in the last month's balance data is displayed. The setting slider 274 accepts the designation of the amount of funds to be transferred from the savings account to the savings account, that is, the amount of funds to be transferred (hereinafter referred to as the transfer amount). The user can visually specify the transfer amount in the range of 0 yen to the maximum amount by operating the setting slider 274. The maximum amount is set based on the balance result of last month and may be the balance result of last month itself or a rounded amount smaller than the balance result of last month. Therefore, the display of such a setting slider 274 corresponds to asking the user how much money to transfer within the range of the balance result last month.

The deposit button 276 and the non-deposit button 278 are buttons for asking the user whether or not to execute the transfer. Later, button 277 is a button for postponing the decision as to whether or not to deposit. Later, when the button 277 is tapped, the mobile terminal 12 causes the home screen 242 to be displayed on the display 124. The mobile terminal 12 prompts the user to make a decision by notifying whether or not to transfer the surplus funds again after a certain period of time has elapsed. In this re-notification, a screen similar to the balance result screen 244 is displayed.

When the deposit button 276 is tapped, the mobile terminal 12 receives an instruction from the user to execute the transfer. When the non-deposit button 278 is tapped, the mobile terminal 12 receives an instruction not to execute. More specifically, when the mobile terminal 12 detects a tap on the button 278 that does not deposit (N in S214), the process ends. When the mobile terminal 12 detects a tap on the deposit button 276 (Y in S214), the mobile terminal 12 sends a transfer instruction signal including the transfer amount set by the setting slider 274 on the balance result screen 244 to the support server 16 via the network 14. Send.

The accounting system cooperation unit 140 requests the accounting system server 18 to transfer the funds of the transfer amount included in the received transfer instruction signal from the user's savings account to the savings account. The accounting system cooperation unit 140 transmits a response signal to the reception of the transfer instruction signal to the mobile terminal 12 via the network 14. The core banking server 18 transfers the funds of the transfer amount from the user's savings account to the savings account upon request. The accounting system cooperation unit 140 may generate a response signal after receiving the notification of the transfer completion from the accounting system server 18. When the mobile terminal 12 receives the response signal, the deposit completion screen 248 (FIG. 10 (e)) is displayed on the display 124 (S220). After that, the mobile terminal 12 ends the process.

11 (a) and 11 (b) are representative screen views showing a screen displayed on the display 124 in the balance management process. The wallet button 270 on the home screen 242 functions as a lead wire to the balance management function. When the mobile terminal 12 detects a tap on the wallet button 270 on the home screen 242, the mobile terminal 12 displays the balance management screen 292 (FIG. 11A) on the display 124. The balance management screen 292 has a calculation period display area 402, a balance result display area 404, a balance status display area 406, and a balance item display area 408.

The calculation period display area 402 displays a calculation period in which the balance can be displayed. The calculation period display area 402 highlights and displays the calculation period to be displayed by highlighting or the like (“06/01 to 06/30” in FIG. 11A). When the mobile terminal 12 detects a tap on the unemphasized calculation period (“05/01 to 05/31” in FIG. 11A) of the calculation period display area 402, the calculation period to be displayed is tapped. Switch to a period.

In the balance result display area 404, the number of days remaining until the next closing date and the balance result of this month included in the balance data of this month received by the mobile terminal 12 are displayed. In the balance status display area 406, the balance status of this month is visually displayed. In the income and expenditure status display area 406, the total income of this month and the total expenditure of this month are displayed as a numerical value and a color-coded bar graph. In the balance item display area 408, the balance item of this month's deposit / withdrawal detail data and the total of deposits or withdrawals belonging to the balance item are displayed in association with each other.

When the mobile terminal 12 detects a tap for one of the balance items displayed in the balance item display area 408, the mobile terminal 12 displays the deposit / withdrawal detail screen 410 (FIG. 11 (b)) corresponding to the tapped balance item on the display 124. .. In the example of FIG. 11B, the balance item "debit settlement" is tapped, and the deposit / withdrawal statement screen showing the details of the debit settlement is displayed accordingly.

12 (a) and 12 (b) are representative screen views of the screen displayed on the display 124 in the content providing process. Prior to the content provision process, the content acquisition unit 142 of the support server 16 acquires information content from the database of the partner company, the Internet, or the like. Hereinafter, a case where the information content is a digitized article will be described.

The content guidance area 262 of the home screen 242 functions as a lead wire to the content providing function. When the mobile terminal 12 detects a tap on the content guidance area 262 on the home screen 242, the mobile terminal 12 transmits a content request to the support server 16 via the network 14. The content transmission unit 144 transmits the article acquired by the content acquisition unit 142 to the mobile terminal 12 via the network 14 in response to the received request. The content transmission unit 144 may customize the article to be delivered according to the requesting user.

The mobile terminal 12 causes the display 124 to display a content top screen 286 (FIG. 12A) for displaying the received article. On the content top screen 286, headlines of a plurality of different articles received by the mobile terminal 12 are displayed. In the example of FIG. 12A, the first heading 412, the second heading 414, and the third heading 416 are displayed on the content top screen 286.

When the mobile terminal 12 detects a tap for one of the headlines displayed on the content top screen 286, the mobile terminal 12 displays a content detail screen 418 (FIG. 12 (b)) displaying the details of the article corresponding to the tapped headline on the display 124. Display it. The content detail screen 418 has an article content 420, a clip button 422, and a tour link 424. When the mobile terminal 12 detects a tap on the tour link 424, the mobile terminal 12 displays the website of the company that provides the tour related to the content 420 of the article on the display 124. When the mobile terminal 12 detects a tap on the clip button 422, it generates a clip request signal including an article ID that identifies the article displayed on the content detail screen 418, and transmits the clip request signal to the support server 16 via the network 14.

The grouping unit 146 of the support server 16 identifies the tag of the article specified by the article ID included in the received clip request signal. The grouping unit 146 determines the group to which the article should belong based on the identified tag. The grouping unit 146 associates the user ID of the user who is the source of the clip request signal, the group ID of the determined group, and the article specified by the article ID included in the clip request signal with the clipboard holding unit. Register at 118.

13 (a) to 13 (d) are representative screen views of the screen displayed on the display 124 in the content / deposit interlocking process. The clip button 266 on the home screen 242 functions as a lead wire to the content / deposit interlocking function. When the mobile terminal 12 detects a tap on the clip button 266 on the home screen 242, the mobile terminal 12 requests the support server 16 for clipboard information via the network 14. The clipboard transmission unit 148 of the support server 16 extracts the group ID and the article corresponding to the user ID of the user authenticated by the user authentication unit 102 from the clipboard holding unit 118 in response to the request. The clipboard transmission unit 148 transmits the extracted group ID and the article to the mobile terminal 12 via the network 14.

The mobile terminal 12 causes the display 124 to display a clipboard top screen 288 (FIG. 13A) displaying the received article. The clipboard top screen 288 has a group information display area which is a display area set for each group. The group information display area corresponds to the group ID received by the mobile terminal 12, and the information displayed therein is an article belonging to the group specified by the group ID. In particular, in the example of FIG. 13A, the clipboard top screen 288 has a first group information display area 426 and a second group information display area 428. The first group information display area 426 is an article image in which a group name display area 430 for displaying the group name, which is information for identifying the group, a budget display area 432, and an image representing an article belonging to the group are displayed. It has a display area 434 and a fulfilling button 436. The name of the group may be the group ID. The second group information display area 428 has the same configuration as the first group information display area 426.

In the budget display area 432, the budget for products and services related to the group is displayed. This budget may be extracted from a table (not shown) that holds the group ID and the estimated cost in association with each other. This table may be provided in the support server 16 or in the mobile terminal 12. The estimated cost of this table may be set by the support subject, or may be set by the support server 16 by performing statistical processing.

The fulfill button 436 is an area that receives instructions for creating purpose-specific deposits related to the group. When the mobile terminal 12 detects a tap on the fulfill button 436, the mobile terminal 12 displays a deposit creation inquiry screen 438 (FIG. 13B) for inquiring the user whether or not to create a deposit for each purpose on the display 124. The deposit creation inquiry screen 438 has a save button 440 and a tour link 442 similar to the tour link 424. When the mobile terminal 12 detects a tap on the save button 440, the display 124 displays a purpose-specific deposit creation screen 446 (FIG. 13 (c)) for setting each parameter of the purpose-specific deposit. The mobile terminal 12 accepts the parameters of the purpose-specific deposit on the purpose-specific deposit creation screen 446. The purpose-specific deposit creation screen 446 has a deposit purpose input area 448, a target amount input area 450, a monthly savings amount input area 452, a savings execution date input area 454, and a creation button 456.

The deposit purpose input area 448 accepts the deposit purpose input. The mobile terminal 12 inputs in advance the deposit purpose corresponding to the group corresponding to the tapped button 436 in the deposit purpose input area 448.

FIG. 14 is a data structure diagram showing an example of the purpose correspondence holding unit 294. The purpose correspondence holding unit 294 holds the correspondence between the purpose of deposit and the group. The purpose correspondence holding unit 294 may be held in the memory 121 of the mobile terminal 12 or may be held in the support server 16. The purpose correspondence holding unit 294 holds the deposit purpose and the group ID in association with each other. In the example of FIG. 14, the "train trip" group (group ID "train travel"), the "cruise trip" group (group ID "cruise") and the "overseas travel" group (group ID "oversea") are all for deposit purposes. Corresponds to "travel". The correspondence relationship may be set by the support subject, or may be automatically set by the support server 16 or the like.

Returning to FIG. 13 (c), the mobile terminal 12 refers to the purpose correspondence relationship holding unit 294 and specifies the deposit purpose corresponding to the group. The mobile terminal 12 inputs the specified deposit purpose in advance in the deposit purpose input area 448. For example, when the button 436 of the "train trip" group is tapped, the mobile terminal 12 displays the purpose-specific deposit creation screen 446 on the display 124 with "travel" input in the deposit purpose input area 448.

The target amount input area 450 accepts the input of the target amount of the deposit for each purpose. The mobile terminal 12 inputs in advance the target amount corresponding to the budget displayed in the budget display area 432 corresponding to the tapped button 436 in the target amount input area 450. For example, when the button 436 of the "Train Journey" group is tapped, the mobile terminal 12 deposits by purpose with the upper limit of the "Train Journey" budget of 300,000 yen entered in the target amount input area 450. The creation screen 446 is displayed on the display 124.

When the mobile terminal 12 detects a tap on the deposit purpose input area 448, the mobile terminal 12 displays a purpose selection screen 444 (FIG. 13 (d)) for accepting a change in the deposit purpose on the display 124. On the purpose selection screen 444, a list of settable deposit purposes is displayed. When any of the deposit purposes displayed on the purpose selection screen 444 is tapped, the mobile terminal 12 displays the purpose-specific deposit creation screen 446 on the display 124 in a state where the tapped deposit purpose is input to the deposit purpose input area 448. Display it. This makes it possible to change the deposit purpose entered in the deposit purpose input area 448. The target amount input to the target amount input area 450 can be changed in the same manner. The monthly savings amount input area 452 and the savings execution date input area 454 receive monthly savings amount input and savings execution date input, respectively.

When the mobile terminal 12 detects a tap on the create button 456, it deposits by purpose including information input in the deposit purpose input area 448, the target amount input area 450, the monthly savings amount input area 452, and the savings execution date input area 454. The creation signal is generated and transmitted to the support server 16 via the network 14. The purpose-specific deposit creation reception unit 108 of the support server 16 associates the user ID of the user authenticated by the user authentication unit 102 with each information included in the received purpose-specific deposit creation signal, and holds the purpose-specific deposit information. Register in unit 130. The balance of deposits by purpose at the time of registration may be set to 0 yen.

15 (a) to 15 (e) are representative screen views of the screen displayed on the display 124 in the purpose-specific deposit management process. The savings button 268 on the home screen 242 functions as a lead to the purpose-specific deposit management function. When the mobile terminal 12 detects a tap on the savings button 268 on the home screen 242, the mobile terminal 12 transmits a request for information on the purpose-specific deposit to the support server 16 via the network 14. The purpose-specific deposit information transmission unit 110 of the support server 16 extracts the purpose-specific deposit information corresponding to the user ID of the user authenticated by the user authentication unit 102 from the purpose-specific deposit information holding unit 130 in response to the received request. To do. The purpose-specific deposit information includes the balance of the savings deposit account, the deposit purpose, the purpose-specific balance, the target amount, the monthly savings amount, and the savings execution date. The purpose-specific deposit information transmission unit 110 transmits the extracted purpose-specific deposit information to the mobile terminal 12 via the network 14.

The mobile terminal 12 causes the display 124 to display the purpose-specific deposit top screen 290 (FIG. 15 (a)) for displaying the received purpose-specific deposit information. The purpose-specific deposit top screen 290 has a savings transition display area 458, an unset balance display area 460, and a purpose list display area 462. In the savings transition display area 458, the number of the user's savings deposit account, the balance of the account, and the transition of the balance are displayed. In the unset balance display area 460, the balance of deposits by purpose for which the purpose of deposit is not set is displayed. In particular, this balance is obtained by subtracting the total balance of deposits by purpose other than those that have not been set from the balance of the savings deposit account. In the purpose list display area 462, the balance for each purpose, the target amount, and the balance setting slider are displayed in association with each other for each deposit purpose. The user can freely move funds between purpose-specific deposits by operating the balance setting slider. In particular, there is no limit when operating the slider in the direction of reducing the balance, and the balance of the unset balance display area 460 increases by the amount of reduction. On the contrary, when the slider is operated in the direction of increasing the balance, the operation is limited to the range of the balance of the unset balance display area 460.

When the mobile terminal 12 detects a tap for one of the plurality of purpose-specific deposits displayed in the purpose list display area 462, the purpose-specific deposit detail screen 464 (FIG. 15 (FIG. 15)) displays the details of the tapped purpose-specific deposit. b)) is displayed on the display 124. The purpose-specific deposit details screen 464 has an achievement level display area 466, a balance display area 468, a purpose type display area 470, a target amount display area 472, a memo display area 474, and a coupon confirmation button 476. .. In the achievement level display area 466, the ratio of the balance for each purpose and the target amount is visually displayed as the achievement level. In the balance display area 468, the balance for each purpose and the target amount are displayed in association with each other. The purpose of deposit is displayed in the purpose type display area 470. The target amount is displayed in the target amount display area 472. In the memo display area 474, the user's memo related to the purpose-specific deposit is displayed.

When the mobile terminal 12 detects a tap on the coupon confirmation button 476, the mobile terminal 12 transmits a purpose-specific coupon request including the deposit purpose and the purpose-specific balance corresponding to the tapped coupon confirmation button 476 to the support server 16 via the network 14. .. The coupon information transmitting unit 112 of the support server 16 selects the coupon information corresponding to the deposit purpose and the purpose-specific balance included in the received purpose-specific coupon request from the coupon information holding unit 132. The coupon information transmitting unit 112 extracts information from the coupon information holding unit 132 among the coupons corresponding to the purpose of deposit, the corresponding standard amount of which is smaller than the balance for each purpose. Explaining with the example of FIG. 8, for the deposit purpose "travel" and the balance by purpose "237,000 yen", the coupon information transmitting unit 112 has five coupons "5% off all products of the tour" and "package of Ko-Otsu travel". Extract "10% off all tour products", "10% off all Ko-Otsu tour products", "10% off all ABC tour products", and "10% off all Ko-Otsu travel tour products". For the deposit purpose "travel" and the balance for each purpose "150,000 yen", the coupon information transmitting unit 112 extracts only one coupon "5% off all products of the Hei Tour". The coupon information transmitting unit 112 transmits the extracted coupon information to the mobile terminal 12 via the network 14.

The mobile terminal 12 displays the purpose-specific coupon screen 478 (FIG. 15 (c)) for displaying the received coupon on the display 124. The received coupons are displayed in a list format on the purpose-specific coupon screen 478. When the mobile terminal 12 detects a tap for one of the plurality of coupons displayed on the purpose-specific coupon screen 478, the mobile terminal 12 displays a coupon usage confirmation screen 480 for inquiring whether to use the tapped coupon on the display 124. Display it. On the coupon usage confirmation screen 480, buttons 482 to be used and buttons 484 not to be used are displayed. When the mobile terminal 12 detects a tap on the unused button 484, the purpose-specific coupon screen 478 is displayed on the display 124 again.

When the mobile terminal 12 detects a tap on the button 482 to be used, the mobile terminal 12 transmits a coupon registration request including coupon specific information for identifying the tapped coupon to the support server 16 via the network 14. The coupon use registration unit 114 of the support server 16 associates the user ID of the authenticated user (that is, the sender user) with the coupon specified by the coupon identification information included in the received coupon registration request, and uses the user ID of the authenticated user (that is, the sender user) as the user who declares the use. It is registered as an ID in the coupon information holding unit 132. The coupon use registration unit 114 transmits a response signal to the received coupon registration request to the mobile terminal 12 via the network 14. When the mobile terminal 12 receives the response signal, the coupon reception completion screen 486 (FIG. 15 (e)) is displayed on the display 124.

After accepting the use of the coupon, the user can use a specific payment method (debit / credit) at the target store to automatically provide the coupon privilege. This is realized by matching the usage declaration user ID held in the coupon information holding unit 132 with the payment record of the user.

When the mobile terminal 12 detects a tap on the my coupon area 260 of the home screen 242, the mobile terminal 12 displays the my coupon screen on the display 124. The My Coupon screen has the same configuration as the purpose-specific coupon screen 478.

In the above-described embodiment, examples of the holding unit are a hard disk and a semiconductor memory. In addition, based on the description of this specification, each part is provided by a CPU (not shown), an installed application program module, a system program module, a semiconductor memory that temporarily stores the contents of data read from the hard disk, and the like. What can be achieved is understood by those skilled in the art who have referred to this specification.

According to the account management system 10 according to the present embodiment, the deposit button 276 as a lead wire to the transfer is provided on the income and expenditure result screen 244. Therefore, it is possible to notify the user that the income and expenditure result of last month was positive and then prompt the user to transfer on the spot. Moreover, such a transfer can be realized with one tap. As a result, the user can make a transfer smoothly without forgetting.

Further, in the account management system 10 according to the present embodiment, the user can set the transfer amount by operating the setting slider 274 on the income and expenditure result screen 244. Therefore, when the user does not want to transfer the entire amount of the balance result last month, the user convenience for setting the transfer amount can be improved. In particular, since the user can check the balance result last month, set the transfer amount, and instruct the transfer on one screen, a user interface with less operational stress is provided.

Further, in the account management system 10 according to the present embodiment, the information displayed in the group information display area of the clipboard top screen 288 corresponds to the group of articles collected by the user so far. By grouping the articles collected by the user, the potential tastes, hobbies, needs and hopes of the user can be clarified. That is, the group can accommodate the preferences that the user probably has. For example, in the clipboard of a user who has collected many articles about trains and train windows, a group called "train journey" is generated, and it is presumed that the user wants a train journey.

The group information display area provides a button 436 that serves as a lead to the setting of purpose-specific deposits according to the group information. As a result, it is possible to prompt the user who is aware of his / her potential tastes and wishes by the group information display area to set a purpose-specific deposit to fulfill them on the spot. As a result, when a user becomes aware of his or her tastes and wishes, he or she can seamlessly start depositing by purpose to fulfill them. In addition, by setting a deposit for each purpose, consumption corresponding to the purpose of the deposit is stimulated.

Further, in the account management system 10 according to the present embodiment, the budget display area 432 of the group information display area indicates the budget required to fulfill the tastes and wishes. Therefore, it is possible to provide the user with one index for determining whether or not to set the purpose-specific deposit without further user operation. As a result, user convenience is improved.

Further, in the account management system 10 according to the present embodiment, the deposit purpose input area 448 and the target amount input area 450 of the purpose-specific deposit creation screen 446 have values specified by the group corresponding to the tapped button 436. Is pre-filled. Therefore, the input operation of the user can be omitted, and the user convenience is improved.

Further, in the account management system 10 according to the present embodiment, a coupon corresponding to the purpose of deposit is displayed on the purpose-specific coupon screen 478. As a result, it is possible to provide benefits to users and promote conversion from purpose-built deposits to consumption.

Further, in the account management system 10 according to the present embodiment, the income and expenditure calculation is performed based on the deposit / withdrawal data of the savings account. The balance result calculated in this way corresponds to the actual increase in the balance of the savings account. Therefore, it is possible to reduce the possibility that the balance of the savings account of the transfer source will be less than the transfer amount when the transfer instruction is received from the user. In addition, if the balance result is positive, that is, the option of not transferring (button 278 not to deposit) is provided in this embodiment as compared with the case of accumulating without inquiring to the user, so that the user's situation and wishes It is possible to form deposits by purpose in a more consistent manner.

The configuration and operation of the account management system 10 according to the embodiment have been described above. This embodiment is an example, and it will be understood by those skilled in the art that various modifications are possible for each component and each combination of processes, and that such modifications are also within the scope of the present invention.

In the embodiment, the case where the management application 20 is installed on the mobile terminal 12 has been described, but the present invention is not limited to this, and an application having the same function as the management application 20 is installed on a stationary terminal such as a desktop PC. May be done. Further, in the embodiment, the case where the management application 20 is an installation type application installed on the mobile terminal 12 has been described, but the present invention is not limited to this. For example, the management application 20 is a mobile terminal or a stationary terminal via the Internet. It may be realized as a Web application used in.

In the embodiment, the case where funds are transferred between the savings account and the savings account and the balance of the savings account is sorted for the purpose of deposit has been described, but the present invention is not limited to this. For example, a checking account may be used instead of a savings account, or a time deposit account may be used instead of a savings account. More generally, the core banking server manages the user's first account and the user's second account, which has a lower degree of freedom of withdrawal than the first account. The support server acquires the balance of the second account from the accounting server and virtually sorts the acquired balance for the purpose of depositing. This makes it possible to reduce the probability that the balance of the second account will decrease for reasons other than the use of purpose-specific deposits. If a purpose-specific deposit is set in the first account, the balance of the first account will easily decrease regardless of the purpose-specific deposit due to debit settlement, withdrawal, withdrawal, etc., so the total amount of purpose-specific deposit and the actual balance And often do not match. It is troublesome because it is necessary to reset the balance for each purpose each time. Therefore, by setting a purpose-specific deposit in the second account, it is possible to suppress the occurrence of such troubles and improve user convenience.

Further, if the financial institution that manages the core banking server and the support entity are allowed to be different, for example, an information providing company that has little relation to finance can also be the support entity. Therefore, it is possible to provide users with a wider range of flexible services that are not bound by the financial framework.

In this embodiment, the case where the total income exceeds the total expenditure last month has been described, but the present invention is not limited to this. For example, if the opposite is true, that is, if the total expenditure last month exceeds the total income last month, the mobile terminal 12 transfers at least a part of the balance result of last month, which is the difference between the total expenditure last month and the total income last month, from the savings deposit account to the savings account. You may inquire whether to move it. That is, the work of replenishing the deficit from the savings deposit account may be realized with one tap on the income and expenditure result screen. In that case, the setting slider accepts the setting of the compensation amount. In addition, the balance result screen may be displayed on the display 124 in different modes depending on whether the balance result is positive or negative last month. For example, if the total income of the last month exceeds the total income of last month, the background of the income and expenditure result screen may be blue, and if the total income of the last month exceeds the total income of the last month, the background of the income and expenditure result screen may be red. As a result, the visibility of the balance result is improved.

In the present embodiment, the case where the unit of sorting is a purpose-specific deposit, that is, a virtual unit and an account number is not given has been described, but the present invention is not limited to this, and the unit of sorting is an account such as a so-called virtual account or an actual account. It may be numbered.

In the present embodiment, as a part of income and expenditure management, the support server has insufficient balance when the planned expenditure amount based on the expenditure scheduled to be generated by the next closing date or the expenditure derived from the expenditure history is larger than the current balance. May be notified to the user by push notification or the like. In this case, wasteful use of the user can be reduced.

In the present embodiment, when the purpose-specific deposit corresponding to the group information display area is already set, the mobile terminal displays the purpose-specific deposit information such as the purpose-specific balance instead of the fulfill button in the group information display area. Areas to be provided may be provided.

In the present embodiment, the purpose-specific deposit creation screen may have an area for displaying the expected achievement date calculated back from the target amount and the monthly savings amount.

In the present embodiment, when the deposit button 276 on the balance result screen 244 is tapped, an instruction for transferring the transfer amount of funds set by the setting slider 274 from the savings account to the savings account is instructed from the mobile terminal 12. It is transmitted to the support server 16. The funds transferred according to the instruction are first reflected in the unset balance of the deposit purpose displayed in the unset balance display area 460 of the purpose-specific deposit top screen 290. However, the present invention is not limited to this, and for example, the balance result screen may be configured so that the user can specify how to allocate the funds to be transferred to the purpose-specific deposits.

FIG. 16A is a representative screen view of the balance result screen 502 according to the modified example. The balance result screen 502 includes a difference display area 504 corresponding to the difference display area 272 in FIG. 10 (d), a distribution setting area 506, and a deposit button 508 corresponding to the deposit button 276 in FIG. 10 (d). It has a non-deposit button 510 corresponding to the non-deposit button 278 of FIG. 10 (d). The distribution setting area 506 is a first object 512 for accepting the designation of the entire transfer amount, and a second object for designating how much the transfer amount specified by the first object 512 is distributed to which purpose-specific deposit. It has 514 and a third object 516, and a transfer amount display area 518 that numerically displays the transfer amount corresponding to the current position of the first object 512.

The user can specify the transfer amount by sliding the first object 512 with respect to the slider bar 520. The user can freely set the amount to be allocated to the deposit for each purpose by sliding the second object 514 and the third object 516. The first segment 522 from the left end of the slider bar 520 to the third object 516 corresponds to the purpose-specific deposit specified by the deposit purpose "travel". The second segment 524 from the third object 516 to the second object 514 corresponds to the purpose-specific deposit specified by the deposit purpose "marriage". The third segment 526 from the second object 514 to the first object 512 corresponds to the purpose-specific deposit specified by the deposit purpose "house". In order to visually show the correspondence between the segment and the deposit purpose, the distribution setting area 506 has a deposit purpose display area 530 that displays the deposit purpose corresponding to each segment in association with the segment. The fourth segment 528 from the first object 512 to the right end of the slider bar 520 corresponds to the amount of the last month's income and expenditure results displayed in the difference display area 504 that cannot be transferred.

The distribution setting area 506 visually displays the total transfer amount and the amount distributed to the deposits for each purpose. In particular, the ratio of the length of the portion other than the fourth segment 528 to the total length of the slider bar 520 represents the ratio of the total transfer amount to the balance result of last month. The ratio of the length of the first segment 522 to the length of the second segment 524 to the length of the third segment 526 represents the ratio of the amounts allocated to the deposits for each purpose of "travel", "marriage", and "housing". .. FIG. 16B shows a distribution setting area when the amount to be distributed to each purpose-specific deposit is indicated by a numerical value. FIG. 16C shows another display mode of the amount allocated to the purpose-specific deposits. When the user taps the desired deposit purpose, the mobile terminal 12 displays a pop-up 532 of the amount allocated to the purpose-specific deposit specified for the deposit purpose for which the tap is detected.

Before displaying the balance result screen 502 on the display 124, the mobile terminal 12 acquires the purpose-specific deposit information held in the purpose-specific deposit information holding unit 130 from the support server 16 via the network 14. The mobile terminal 12 sets the display mode of the distribution setting area 506 based on the purpose of deposit and the monthly savings amount included in the acquired information. If there are three deposit purposes set, the mobile terminal 12 arranges three objects on the slider bar 520 and divides the slider bar 520 into four segments including the one corresponding to the amount not to be transferred. At that time, the default length of each segment is set according to the ratio of the monthly savings amount. Alternatively, the user may separately register the default distribution ratio in advance, and the default segment length may be set according to the registered ratio.

When the mobile terminal 12 detects a tap on the deposit button 508, it generates a transfer request signal including the distribution information for specifying the distribution set in the distribution setting area 506 and the total transfer amount, and supports the transfer via the network 14. Send to server 16. The support server 16 transmits a request for transferring the funds of the entire transfer amount from the user's savings account to the savings account to the accounting server 18. At the same time, the support server 16 sorts the transfer amount according to the allocation amount for each deposit purpose specified in the distribution information. In particular, the support server 16 performs a process of adding the amount specified in the distribution information included in the transfer request signal to the purpose-specific balance of the deposit for each purpose.

According to this modification, not only the display of the balance result can be seamlessly connected to the transfer, but also the transfer amount can be distributed on the spot. Therefore, since it is not necessary for the user to separately open the purpose-specific deposit top screen 290 and perform the individual distribution after the transfer, the user convenience is improved. In addition, since the user can be reminded of the purpose of deposit at the stage of displaying the balance result, it is possible to promote the continuation of the saving activity.

In the embodiment, the mobile terminal 12 may execute the target achievement process when the target amount of the purpose-specific deposit is achieved. The goal achievement process is a process of displaying an achievement notification screen 602 for notifying the user of the achievement of the goal on the display 124, and a process of urging the user to transfer the achieved target amount of funds from the savings deposit account to the savings account. And, including.

17 (a) to 17 (d) are representative screen views of the screen displayed on the display in the goal achievement process. FIG. 17A is a representative screen view of the achievement notification screen 602. The achievement notification screen 602 has a text 606 indicating that the target amount has been achieved, a visual effect 608, a coupon confirmation button 604 prompting the confirmation of the coupon, and an erase button 610. When the mobile terminal 12 detects a tap on the purpose-specific deposit for which the target amount has been achieved among the plurality of purpose-specific deposits displayed in the purpose list display area 462 (FIG. 15 (a)), the tapped purpose-specific deposit is detected. The achievement notification screen 602 corresponding to the above is displayed on the display 124. Alternatively, the mobile terminal 12 may display the achievement notification screen 602 on the display 124 at the timing when the target amount is achieved. When the mobile terminal 12 detects a tap on the coupon confirmation button 604, the mobile terminal 12 displays a coupon screen having the same configuration as the purpose-specific coupon screen 478 on the display 124. In this way, by encouraging the user who has achieved the target amount to use the coupon related to the target in accordance with the achievement of the target, the coupon usage rate can be increased.

When the mobile terminal 12 detects a tap on the erase button 610, the mobile terminal 12 displays the achievement deposit details screen 612 (FIG. 17B) having the same configuration as the purpose-specific deposit details screen 464 on the display 124. The main difference between the Achieved Deposit Details Screen 612 and the Purpose-Specific Deposit Details Screen 464 is to encourage the user to transfer the Achieved Deposit Details Screen 612 from the Savings Deposit Account to the Savings Account. The point is that the transfer button 614 is provided. That is, when the balance of the purpose-specific deposit reaches the target amount, the mobile terminal 12 starts displaying the transfer button on the corresponding purpose-specific deposit detail screen. When the mobile terminal 12 detects a tap on the transfer button 614, the mobile terminal 12 displays the transfer processing screen 616 (FIG. 17 (c)) on the display 124. The transfer processing screen 616 has a transfer source information display area 618, a transfer destination information display area 620, a transfer amount setting area 622, a transfer execution button 624, a numerical value input button 626, and a cancel button 628.

The transfer process according to the transfer process screen 616 is basically limited to the transfer of the amount within the range of the achieved target amount from the savings deposit account to the savings account. The balance of the savings deposit account as the transfer source is displayed in the transfer source information display area 618. The balance of the savings account as the transfer destination is displayed in the transfer destination information display area 620. The transfer amount setting area 622 accepts the designation of the amount of funds to be transferred from the savings deposit account to the savings account. The transfer amount setting area 622 is configured in the same manner as the setting slider 274, and in particular, the maximum transferable amount is set as the achieved target amount. The numerical value input button 626 is a button for setting the amount of funds to be transferred by directly inputting the numerical value. When the number input button 626 is tapped, the mobile terminal 12 activates an interface for accepting direct input of numbers. When the mobile terminal 12 detects a tap on the cancel button 628, the mobile terminal 12 cancels the transfer process.

When the mobile terminal 12 detects a tap on the transfer execution button 624, the mobile terminal 12 performs a process for transferring the amount of funds set by the transfer amount setting area 622 from the savings deposit account to the savings account. This process is the same as the process when a tap on the deposit button 276 on the balance result screen 244 is detected. When the transfer process is completed, the mobile terminal 12 displays the transfer completion screen 630 (FIG. 17 (d)) on the display 124. The transfer completion screen 630 displays a text indicating that the transfer has been completed and the amount transferred.

In this way, by providing a lead from the purpose-specific deposit details screen where the target amount has been achieved to the screen for performing transfer processing, it is possible to reduce the time and effort of the user to transfer funds from the savings deposit account to the savings account. Can be done. Generally, the use of funds from a savings account is restricted, so even if a user achieves a target amount for a certain purpose, the amount can often be used only after the amount is transferred to the savings account. On the other hand, in the present embodiment, since the transfer processing screen 616 can be displayed with one tap from the achievement of the target with the transfer button 614, the time and effort required for such transfer can be reduced and the user convenience can be improved.

Further, according to the present embodiment, the setting slider 274 and the transfer amount setting area 622 provide an interface that allows the transfer amount to be roughly, quickly and intuitively specified. When the amount to be transferred is numerically input by the numerical value input button 626 or the like, the fraction can be specified in detail and accurately, but the input operation becomes complicated, and it may take time to complete the input, especially in a mobile terminal unsuitable for numerical input. On the other hand, in the present embodiment, since the slider can be visually set, the input can be completed quickly in a situation where the forehead can be roughly set.

In FIG. 9 of the embodiment, the case where the initial registration for the user management application 20 has been completed has been described. The process of initial registration to the management application 20 will be described. FIG. 18 is a representative screen view of the initial registration screen 680. When the tap on the initial registration button 642 of the application start screen 640 shown in FIG. 10A is detected, the mobile terminal 12 displays the initial registration screen 680 on the display 124. The initial registration screen 680 has a user information input area 682, a password input / confirmation area 684, and a start button 686. The user who is about to start using the management application 20 inputs a desired user name and his / her own e-mail address in the user information input area 682. The user inputs a desired password in the password input / confirmation area 684, and inputs the same password for confirmation. When the mobile terminal 12 detects a tap on the start button 686, it generates an initial registration request including the initial registration user information input in the user information input area 682 and the initial registration password input in the password input / confirmation area 684. It is transmitted to the support server 16 via the network 14. The user authentication unit 102 of the support server 16 registers the information included in the received initial registration request in the user information holding unit 116 as new user information. When the registration is completed, the user authentication unit 102 transmits a registration completion notification to the mobile terminal 12 via the network 14. When the mobile terminal 12 receives the registration completion notification, the home screen 242 is displayed on the display 124.

In FIG. 9 of the embodiment, the case where the user's account has been registered has been described. The process of registering an account in the management application 20 will be described. 19 (a) and 19 (b) are representative screen views of the screen displayed on the display 124 in the account registration process. FIG. 19A is a representative screen view of the home screen 690 displayed to a user who has not completed account registration. The difference between the home screen 690 of FIG. 19A and the home screen 242 of FIG. 10C is that in the former, the account registration notification area 692 is displayed instead of the latter balance result display area 254. When the mobile terminal 12 detects a tap on the account registration notification area 692, the mobile terminal 12 displays the account registration screen 694 (FIG. 19B) on the display 124. The account registration screen 694 has an account information input area 696 that accepts input of account authentication information used for authentication on the accounting server 18, and a registration button 698.

The user inputs the information of his / her own savings account that has already been opened and the authentication information such as the password thereof in the account information input area 696. When the mobile terminal 12 detects a tap on the registration button 698, it generates an account registration request including the account authentication information input in the account information input area 696 and transmits it to the support server 16 via the network 14. The accounting system cooperation unit 140 of the support server 16 starts the authentication related to the accounting system based on the received account authentication information. The accounting system cooperation unit 140 may transmit the received account authentication information as it is to the accounting system server 18 and perform authentication on the accounting system server 18. Alternatively, the core banking cooperation unit 140 may perform authentication instead of the core banking server 18. If the result of the authentication is an authentication failure, the accounting system cooperation unit 140 notifies the mobile terminal 12 to that effect through the network 14. The mobile terminal 12 performs an authentication failure process such as displaying the account registration screen 694 on the display 124 again. When the authentication result is successful, the accounting system cooperation unit 140 registers the information of the savings account related to the successful authentication in the user information holding unit 116 in association with the user ID. When the registration is completed, the accounting system cooperation unit 140 transmits a registration completion notification to the mobile terminal 12 via the network 14. When the mobile terminal 12 receives the registration completion notification, the home screen 242 is displayed on the display 124.

After the first account registration through the account registration screen 694, authentication for using the financial functions related to the savings button 268 and the wallet button 270 is not required. That is, after logging in to the management application 20, the financial functions can be used without authentication of the accounting system. However, after a predetermined period (1 month, 6 months, 1 year, etc.) has passed, or when an irregular event such as a change in the mobile terminal 12 occurs, a core banking system for using financial functions. Authentication may be performed again.

In the embodiment, the case where the user is requested to input the authentication information through the login screen 240 and the user authentication is performed on the support server 16 using the input authentication information has been described, but the present invention is not limited to this. For example, user authentication may be performed using the passcode or fingerprint authentication function provided by the operating system of the mobile terminal 12.

20 (a) to 20 (c) are representative screen views of the screen displayed on the display in the authentication process. When the tap on the menu button 241 of the home screen 242 shown in FIG. 10C is detected, the mobile terminal 12 causes the display 124 to display a list of menus (not shown) including "settings". When the mobile terminal 12 detects a tap for the "setting", the mobile terminal 12 displays the setting screen 650 (FIG. 20A) on the display 124. The setting screen 650 has an account setting area 652, a passcode setting area 654, a notification setting area 656, and a balance management setting area 658.

When the mobile terminal 12 detects a tap on the passcode setting area 654, the mobile terminal 12 displays the passcode or the like setting screen 660 (FIG. 20B) on the display 124. The passcode or the like setting screen 660 has a passcode availability setting area 662, a passcode change area 664, and a fingerprint authentication availability setting area 666. The passcode availability setting area 662 has a toggle switch, and accepts the setting of passcode availability setting by operating the switch. When the toggle switch is turned on, the use of the passcode is activated, and when it is turned off, it is deactivated. When the passcode change area 664 is tapped, a screen (not shown) for changing the passcode is displayed on the display 124. The fingerprint authentication availability setting area 666 has a toggle switch, and accepts the fingerprint authentication availability setting by operating the switch. When the toggle switch is turned on, the use of fingerprint authentication is activated, and when it is turned off, it is deactivated.

When the use of the passcode is activated in the passcode availability setting area 662 and the use of fingerprint authentication is activated in the fingerprint authentication availability setting area 666, the login screen 240 is activated when the management application 20 is started next time or later. Instead, the passcode / fingerprint authentication screen 670 (FIG. 20 (c)) is displayed on the display 124. On the passcode / fingerprint authentication screen 670, the mobile terminal 12 performs user authentication with a preset passcode, fingerprint authentication, or both. In the example of FIG. 20 (c), fingerprint authentication is first performed, and if it passes, then a passcode (for example, a 4-digit number) is required to be input. The passcode authentication and the fingerprint authentication may be always executed at the timing when the screen of the management application 20 is displayed on the display 124. The mobile terminal 12 activates the key information for managing the login state by this passcode / fingerprint authentication and authenticates. Since the key information for managing the login status has an expiration date, when the expiration date expires and the key information expires, the user is required to input the user ID / password.

10 account management system, 12 mobile terminals, 14 networks, 16 support servers, 18 accounting servers.

Claims (17)

To a computer that can communicate with the server via the network
A function to acquire the result of income and expenditure calculation based on the deposit and withdrawal data of the user's first account,
A function of asking the user on the display whether or not to transfer the amount of funds based on the acquired result between the first account and the second account of the user different from the first account.
In response to an inquiry to the user, information representing the acquired result and an amount designation reception area for accepting designation of the amount of funds to be transferred between the first account and the second account are displayed on the display. The function to display and
When an instruction to move is received from the user in response to an inquiry to the user, a function of transmitting a movement instruction signal including the amount specified in relation to the amount designation reception area to the server is realized. ,
When the server receives the movement instruction signal, the server executes a process for transferring a specified amount of funds between the first account and the second account. The amount designation reception area includes a slide bar for designating the amount of funds to be transferred, and the upper limit of the amount that can be specified by the slide bar is set based on the difference between income and expenditure. Item 1. The program according to item 1. The second account has a lower degree of freedom for withdrawal than the first account.
The server sorts the balance of the second account for a plurality of deposit purposes.
If the income exceeds the expenditure, the slide bar will identifiablely display the amount of funds to be transferred that will be allocated for each deposit purpose.
The movement instruction signal includes an allocation amount for each deposit purpose specified in connection with the slide bar.
The program according to claim 2, wherein when the server receives the transfer instruction signal, it executes sorting of funds to be transferred according to an allocated amount for each designated deposit purpose. The program according to claim 2 or 3, wherein the slide bar is configured to accept adjustments of the amount allocated for each of the plurality of deposit purposes. Claims 1 to 4, wherein the computer is provided with a function of displaying information representing the acquired result on the display in different modes depending on whether the income exceeds the expenditure or the expenditure exceeds the income. The program described in any one of the items. The second account has a lower degree of freedom for withdrawal than the first account.
The server sorts the balance of the second account for a plurality of deposit purposes.
This program also
Specific information of a group including at least one content specified by the user, an instruction receiving area for creating a sorting unit related to the specific information, and a budget area indicating a budget related to the specific information. , And the function to display on the display
When the reception area receives an instruction, the display indicates a purpose input area for inputting a deposit purpose for specifying a unit to be created and a target amount input area for inputting a target amount of the unit to be created. The program according to any one of claims 1 to 5, wherein the function of displaying on the computer is realized by the computer. A function of inputting a deposit purpose corresponding to the specific information in advance in the purpose input area,
The program according to claim 6, wherein the computer is provided with a function of inputting a target amount corresponding to the budget shown in the budget area in advance in the target amount input area. The program according to claim 6 or 7, wherein the balance of the second account is virtually sorted for the purpose of depositing the plurality of deposits. Any of claims 6 to 8, wherein the computer further realizes a function of displaying the information of the coupon selected based on the deposit purpose and the balance of the created sorting unit on the display. The program described in item 1. A function that accepts authentication information for user authentication,
Claims 1 to 9, wherein the computer further realizes a function of displaying a display area including the balance of the first account of the authenticated user and the state of income and expenditure on the display. The program described in any one of the items. The program according to any one of claims 1 to 10, wherein the computer further realizes a function of displaying a point display area including points given to the user on the display. A function to display the purpose-specific deposit details screen including the deposit purpose and balance of the created sorting unit on the display, and
When the balance reaches the target amount, the function to start displaying the transfer instruction reception area on the purpose-specific deposit details screen, and
When the transfer instruction receiving area is designated, the display displays a transfer processing screen including the designated area that accepts the designation of the amount of funds to be transferred from the second account to the first account within the range of the achieved target amount. The program according to any one of claims 6 to 9, wherein the function is further realized in the computer. A function to acquire the result of income and expenditure calculation based on the deposit and withdrawal data of the user's first account,
A function of asking the user on the display whether or not to transfer the amount of funds based on the acquired result between the first account and the second account of the user different from the first account. A program characterized by being realized by a computer. To a computer that can communicate via a network with a server that sorts the balance of a user's account
A function of associating specific information of a group including at least one content specified by the user with an instruction receiving area for creating a sorting unit related to the specific information and displaying it on a display.
A program characterized by realizing a function of displaying a purpose input area for inputting a deposit purpose for specifying a unit to be created on the display when the reception area receives an instruction. A means to execute the balance calculation based on the deposit / withdrawal data of the user's first account,
A means for transmitting the result of the balance calculation to the user's computer via a network, and
A transfer generated by the computer in response to an inquiry as to whether to transfer an amount of funds based on the transmitted result between the first account and the user's second account, which is different from the first account. A means for receiving a movement instruction signal indicating that the movement is to be performed via the network, and
Upon receiving the transfer instruction signal, a means for executing a process for transferring funds between the first account and the second account, and
A server including means for sorting the balance of the second account for a plurality of deposit purposes. An acquisition unit that acquires the balance of the second account from another server that manages the user's first account and the user's second account, which has a lower degree of freedom of withdrawal than the first account.
A server including a sorting unit that sorts the balance acquired by the acquisition unit. The server according to claim 16, wherein the server is managed by an entity different from the financial institution that manages the other server.

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