JP2022016658A - Account management system, account management method, program, and information provision system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an account management system for the customer's deposit account capable of supporting the customer's savings management linked to the customer's savings purpose, an account management method, a program, and an information provision system.

SOLUTION: The account management system includes: a first server that executes business transaction processing between a first account and a second account associated with the first account; and a second server that executes a virtual transaction processing between the second account and a virtual account associated with the second account. The information provision system includes an analysis unit that generates a piece of recommendation information including content related to the detailed information of the second account associated with the first account of the customer. The recommendation information is sent to an information terminal of the customer.

SELECTED DRAWING: Figure 1

COPYRIGHT: (C)2022,JPO&INPIT

Description

The present invention relates to an account management system, an account management method, and a program thereof that can manage an account using an information terminal. The present invention also relates to an information providing system that provides information that reflects the intentions of the customer.

In recent years, financial services have changed significantly due to the spread of information terminals such as smartphones and tablets. For example, a bank provides a banking service via the Internet, so-called Internet banking, and a customer can use his / her own information terminal to inquire about the balance of a deposit account and check detailed information. In addition, new companies other than the banking industry have entered the market, and new financial services that are integrated with information technology called Fintech have begun. For example, as one of the financial services provided by non-banking companies, detailed information of various services provided on the Internet such as bank deposits, securities, insurance, credit cards, point services, or mileage services is centralized. There is a so-called PFM (Personal Financial Management) service, which is a service for efficiently designing and managing assets.

However, in the current PFM service, since the main service is to provide detailed information, the customer merely confirms the detailed information of the deposit account. Therefore, as a typical customer's savings management method, in most cases, a plurality of deposit accounts are opened for each savings purpose and the balance of each deposit account is managed.

On the other hand, as a method of managing deposit accounts in Internet banking, multiple virtual categories (for example, "circle activity expenses", "study abroad expenses", etc.) are set for one deposit account, and the balance of the deposit account is set. A method of allocating to a virtual division is known (see, for example, Patent Document 1). According to this management method, a customer can set a virtual division for each saving purpose in one deposit account and manage his / her own savings by managing the virtual division.

Japanese Patent Application Laid-Open No. 2003-30449

However, when the deposit account for which a virtual classification can be set is a deposit account for which cash can be withdrawn at an ATM or the like, there are many deposits and withdrawals in the deposit account, and the balance of the deposit account is not stable. Therefore, the virtual division set for the deposit account is merely set, and in reality, as described above, most customers manage their savings with the balances of a plurality of deposit accounts. In addition, the entity that manages savings is the customer, and the bank that provides the deposit account does not provide information about the customer's savings.

In view of the above problems, the present invention provides an account management system, an account management method, a program, and an information providing system relating to a customer's account linked to the customer's saving purpose or savings amount by supporting the customer's savings management. Is one of the issues.

The account management system according to the embodiment of the present invention is associated with the first server that executes the business transaction processing of the first account and the second account associated with the first account, and the second account and the second account. It includes a second server that executes virtual transaction processing of the created virtual account.

The account management system according to the embodiment of the present invention has the first account data including the first balance information of the first account and the second account data including the second balance information of the second account associated with the first account. 3 account data including the 3rd balance information of the 2nd deposit account and the virtual account of one or more virtual accounts linked to the 2nd account by connecting to the 1st server that manages The second server includes a second server that manages virtual account data including balance information, and the second server executes processing so that the amount obtained by adding the virtual account balance information to the third balance information matches the second balance information. ..

In the account management method according to the embodiment of the present invention, in the first server, the first balance information included in the first account data of the first account and the second account of the second account associated with the first account The first calculation process is executed using the second balance information included in the data, and the third balance information included in the third account data of the second account is associated with the second account on the second server. The second calculation process is executed using the virtual account balance information included in the virtual account data of one or more virtual accounts, and the second calculation process is the amount obtained by adding the virtual account balance information to the third balance information. Process so that it matches the second balance information.

A program according to an embodiment of the present invention implements an account management method.

The first server has a first processing unit that performs arithmetic processing using the first account data and the second account data, and a first storage unit that stores the first account data and the second account data after the arithmetic processing. May include.

The second server has a second processing unit that performs arithmetic processing using the third account data and one or more virtual account data, a third account data after the arithmetic processing, and one or more. It may include a second storage unit for storing virtual account data.

The second account may be transferable only to and from the first account.

The first account and the second account may be fund transferable.

The first server and the second server may be connected via an intranet.

The information providing system according to the embodiment of the present invention includes an analysis unit that generates recommendation information including contents related to the detailed information of the second account associated with the first account of the customer, and the recommendation information includes the recommendation information. It is sent to the customer's information terminal.

The analysis unit may generate recommendation information from the purchase history included in the detailed information.

The content may be information related to the name of the virtual account associated with the second account. Further, the content may be information related to the operation of the balance of the second account.

It is a configuration of an account management system according to an embodiment of the present invention. It is a configuration of transaction processing of the account management system according to the embodiment of the present invention. This is an example of a balance information database used in the account management system according to the embodiment of the present invention. This is an example of a detailed information database used in the account management system according to the embodiment of the present invention. It is an example of the processing flow diagram using the account management system which concerns on one Embodiment of this invention. It is an example of the processing flow diagram using the account management system which concerns on one Embodiment of this invention. It is an example of the processing flow diagram using the account management system which concerns on one Embodiment of this invention. It is an example of the processing flow diagram using the account management system which concerns on one Embodiment of this invention. It is an example of the processing flow diagram using the account management system which concerns on one Embodiment of this invention. It is an example of the processing flow diagram using the account management system which concerns on one Embodiment of this invention. It is an example of the processing flow diagram using the account management system which concerns on one Embodiment of this invention. It is an example of the processing flow diagram using the account management system which concerns on one Embodiment of this invention. It is an example of the processing flow diagram using the account management system which concerns on one Embodiment of this invention. It is an example of the processing flow diagram using the account management system which concerns on one Embodiment of this invention. It is an example of the processing flow diagram using the account management system which concerns on one Embodiment of this invention. It is an example of the processing flow diagram using the account management system which concerns on one Embodiment of this invention. It is an example of the processing flow diagram using the account management system which concerns on one Embodiment of this invention. This is an example of a processing flow diagram using the information providing system according to the embodiment of the present invention.

Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings. Each embodiment described below is an example of an embodiment of the present invention, and the present invention is not construed as being limited to the embodiment. That is, it is possible to apply a known technique to each embodiment described below to modify the embodiment and carry out the embodiment in various embodiments.

In the present specification, "α includes A, B or C", "α contains any of A, B and C", and "α is one selected from the group consisting of A, B and C". The expression "includes" does not exclude the case where α includes a plurality of combinations of A to C unless otherwise specified. Furthermore, these expressions do not exclude cases where α contains other elements.

In the present specification, the "information terminal" means an information device capable of accessing information through a network. The "information terminal" is, for example, a mobile phone, a smartphone, a tablet, a personal computer, or the like, but is not limited thereto.

In the present specification, the "database" is accumulated information and is managed as data so that it can be processed (for example, addition, deletion, or retrieval of information) in a processing unit such as a computer. It means something. Further, the "record" is one of the units constituting the database, and the "record" includes information for one item to be managed. The information included in the "record" may include not only one item but also a plurality of items.

As used herein, the term "account" means an account that can identify the balance of assets (money, securities, virtual currency, electronic money, point services, etc.) used for transaction processing. The "account" includes a "deposit account", a "savings account", a "securities account", an "investment trust account", and the like.

As used herein, the term "deposit account" means an account opened to deposit money with a financial institution such as a bank, credit union, credit union, or labor bank. In this specification, each embodiment will be described using the term “deposit account”, but the present invention can also be applied to “accounts” other than the above financial institutions.

As used herein, the term "transaction processing" refers to processing that involves an increase or decrease in assets.

As used herein, the term "transfer" means the transfer of funds to a deposit account in the name of another person of a financial institution, or the transfer of funds to a deposit account in the name of a financial institution that is not associated with it. "Transfer" includes "cash transfer" performed by cash and "account transfer" performed from an account.

As used herein, "transfer" means the transfer of funds between the associated deposit accounts in the same financial institution's own name. In this specification, not only the actual transfer of funds but also the virtual transfer of funds is included in the “transfer”.

In this specification, "fund transfer" means a service that automatically deducts credit card usage fees or utility fees from a deposit account.

In the present specification, the "balance information" refers to the balance (balance) in the balance of the account and the data that can be managed in the database.

In the present specification, "detailed information" indicates the breakdown of the balance of accounts and refers to data that can be managed in a database.

In the following, assuming that the financial institution is Bank X, the customer of Bank X is Customer A, and the account of Bank X is a deposit account, the account management system, the account management method, and the account management program according to the embodiment according to the present invention ( Includes an application program for using the account management system).

Bank X can manage customer A's deposit account using the account management system. In addition, Bank X can provide the information terminal of customer A with an application program for using the account management system.

On the other hand, the customer A can receive the service related to the account management system provided by Bank X by installing the application program on the information terminal.

<First Embodiment>
An account management system according to an embodiment of the present invention will be described with reference to FIGS. 1 and 2.

FIG. 1 shows a configuration of an account management system 10 according to an embodiment of the present invention. As shown in FIG. 1, the account management system 10 includes a first server 100 and a second server 200. The first server 100 includes a first processing unit 110 and a first storage unit 120. The second server 200 includes a second processing unit 210 and a second storage unit 220. Further, each of the first server 100 and the second server 200 can include a transmission unit and a reception unit for transmitting and receiving data between the servers.

Each of the first server 100 and the second server 200 is, for example, a computer. Each of the first server 100 and the second server 200 may be composed of one computer or may be composed of a plurality of computers. That is, for convenience, the first server 100 and the second server 200 will be described separately, but the first server 100 and the second server 200 may be one computer. Each of the first server 100 and the second server is, for example, MPU (Micro Processing Unit), CPU (Central Processing Unit), GPU (Graphics Processing Unit), ROM (Read Only Memory), RAM (Random Access) M (Hard Disk Drive), SSD (Solid State Drive), DRAM (Dynamic Random Access Memory), NAND flash memory, or NOR type flash memory can be included.

The first processing unit 110 and the second processing unit 210 can read the program required for the processing and execute the processing according to the program. The first processing unit 110 and the second processing unit 210 include, for example, a CPU, MPU, RAM, or ROM. On the other hand, the first storage unit 120 and the second storage unit 220 can store data or a database. For example, the first storage unit 120 and the second storage unit 220 include a storage device such as an HDD or SSD. The first processing unit 110 and the first storage unit 120 are provided with an interface, and data, programs, and the like can be communicated between them. The first processing unit 110, the second processing unit 210, the first storage unit 120, and the second storage unit 220 may be configured by one electronic device or may be configured by a plurality of electronic devices. good.

FIG. 2 shows a configuration of transaction processing of a deposit account and a virtual account related to the account management system 10 according to the embodiment of the present invention. The account management system 10 uses a deposit account issued by Bank X and a virtual account generated by customer A.

With respect to deposit accounts, the account management system 10 includes at least a first deposit account 810 and a second deposit account 820 associated with a first deposit account. Each of the first deposit account 810 and the second deposit account 820 is the deposit account of customer A of Bank X. That is, the first deposit account 810 and the second deposit account 820 are deposit accounts of the same holder, and each can independently process transactions.

However, the second deposit account 820 is limited in part of the transaction processing that can be performed by the first deposit account 810, and the first deposit account 810 and the second deposit account 820 are not completely the same. For example, the first deposit account 810 makes a transfer to a deposit account 850 in the name of another person in Bank X, a deposit account 860 in the name of Bank X's own name (in the name of customer A), or a deposit account 870 in a bank other than Bank X. Can be done. Further, the first deposit account 810 can transfer money between the first deposit account 810 and the second deposit account 820 linked to the first deposit account 810. Further, the first deposit account 810 can be a designated account for fund transfer.

On the other hand, in the second deposit account, the 820 makes a transfer to the deposit account 850 in the name of another person of X bank, the deposit account 860 in the self-name of X bank (in the name of customer A), or the deposit account 870 of a bank other than X bank. It can be restricted so that it cannot be done. By restricting the transfer from the second deposit account 820, the withdrawal from the second deposit account 820 is restricted, so that the balance of the second deposit account 820 is stable. The second deposit account 820 can be transferred to and from the first deposit account 810. Therefore, when the customer A makes a transfer, the transfer can be made from the first deposit account 810, so that there is no problem even if the transfer from the second deposit account 820 is restricted. Further, the second deposit account 820 can also be a designated account for fund transfer. Since fund transfer is a process that is performed regularly, it can be considered as one of the savings plans using the second deposit account 820.

Further, from another viewpoint, the difference between the first deposit account 810 and the second deposit account 820 will be described.

The first deposit account 810 is a deposit account mainly processed at a bank counter or an ATM. Therefore, a cash card, a paper passbook, or the like can be issued in the first deposit account 810 so that it can be processed at a bank counter or an ATM.

On the other hand, the second deposit account 820 is a deposit account mainly managed by the information terminal of the customer A. Unlike the first deposit account 810, the second deposit account 820 does not require processing at a bank counter or an ATM, so a cash card or a paper passbook may not be issued. In particular, by not issuing a cash card, withdrawals from the second deposit account 820 are restricted, so that the balance of the second deposit account 820 is stable. Since the transfer from the second deposit account 820 to the first deposit account 810 is possible, the customer A can withdraw cash using the cash card of the first deposit account 810. Therefore, there is no problem even if the cash card of the second deposit account 820 is not issued.

As described above, the first deposit account 810 and the second deposit account 820 are not exactly the same deposit account, for example, a part of transaction processing is restricted. Therefore, the association between the first deposit account 810 and the second deposit account 820 does not simply mean that the first deposit account 810 and the second deposit account 820 have the same branch or holder. The second deposit account 820 is managed in the same manner as other deposit accounts, with identification information that can be recognized as being associated only with the first deposit account 810.

Further, the second deposit account 820 can be used as a deposit account for the purpose of saving and also as a deposit account for aggregating funds that customer A does not use for the time being. Therefore, in order to facilitate the management of the funds of the second deposit account 820, the virtual account 900 associated with the second deposit account 820 can be set. One or more virtual accounts 900 can be set for the second deposit account 820. For example, as shown in FIG. 2, a first virtual account 910 and a second virtual account 920 can be set for the second deposit account 820. The virtual account 900 can be freely generated, set up, or managed by the customer A according to the purpose of saving. For example, the customer A uses the application of the information terminal to generate the first virtual account 910 and the second virtual account 920, and designates the second deposit account 820 to the first virtual account 910 or the second virtual account 920. It can be set to transfer the amount.

The account management system 10 can be managed separately as a first deposit account 810 in which funds are transferred irregularly and a second deposit account 820 in which funds are transferred regularly. In other words, the account management system 10 can be managed separately as a first deposit account 810 that can be freely withdrawn and a second deposit account 820 with restricted withdrawals. The first deposit account 810 and the second deposit account 820 are deposit accounts to which independent account numbers are assigned to each, but they are linked to each other and can be managed collectively. Further, in the second deposit account 820, a virtual account 900 can be set up to manage funds. In particular, since the second deposit account 820 can be set and managed using the application program of the information terminal, the customer A can always monitor the second deposit account 820 at any time and place. Is. Therefore, by using the account management system 10, the customer A can collect the funds in the first deposit account 810 and the second deposit account 820 and manage the funds in a planned manner.

Returning to FIG. 1, the account management system 10 will be described.

The first server 100 can be connected to the server 600 of a bank other than the X bank via the Internet. Further, the first server 100 can also be connected to a server of another branch of Bank X. When connecting the first server 100 and the server of another branch of the X bank, the communication may be an intranet instead of the Internet.

The first server 100 can mainly execute transaction processing related to banking business such as transfer, transfer, or fund transfer performed at a bank or ATM (hereinafter referred to as "business transaction processing"). That is, in the first server 100, the first processing unit 110 can execute a program related to business transaction processing. Further, the first storage unit 120 has a database of data used for arithmetic processing of the first processing unit 110, for example, deposit account data including balance information or detailed information of each of the first deposit account 810 and the second deposit account 820. Can be memorized as.

A database of deposit account data including balance information or detailed information will be described with reference to FIGS. 3 and 4.

FIG. 3 is an example of a database containing balance information (hereinafter referred to as “balance information database”). The balance information database shown in FIG. 3 is registered for each customer, and each record includes "customer number", "account number", "balance information", and "identification information" as items. The information that identifies the customer may be the customer's name or account number, but the customer's name or account number alone cannot identify which branch of Bank X is the deposit account. For example, record No. 2 and record No. Reference numeral 5 has the same account number, but the same account number is assigned because the branches are different. Therefore, in the balance information database shown in FIG. 3, a number including a branch number is registered and managed as a customer number for each customer.

In the balance information database shown in FIG. 3, the record No. 3 and record No. 4 has the same customer number, which indicates that it is customer A of the Y branch of the X bank. That is, it indicates that the same customer has a deposit account at the same branch. However, the record No. 3 and record No. The account number is not the same as 4. On the other hand, the record No. No. 4 is a record No. 4 in the item of identification information. The account number of 3 is registered. Therefore, from the item of identification information, the record No. 4 is the record No. It can be seen that it is a deposit account linked to 3. That is, the record No. 3 is the first deposit account 810, and the record No. 4 is the second deposit account 820.

Therefore, in the balance information database shown in FIG. 3, the first deposit account 810 or the second deposit account 820 can be determined using the item of identification information, and the calculation of the transfer process is performed using the item of balance information. It can be carried out.

The balance information database is not limited to the above configuration. At least, any database may be used as long as it can manage the customer's deposit account and can determine that the second deposit account 820 is associated with the first deposit account 810.

FIG. 4 is an example of a database containing detailed information (hereinafter referred to as “detailed information database”). The detailed information database shown in FIG. 4 is a database prepared for each deposit account corresponding to the customer number. Each record contains, as items, a date, a first item, a second item, and an amount. In the first item, the character information to be entered in the passbook is registered. In the second item, the category of transaction processing is registered. The second item is not always necessary, but it is useful when providing customer A with information classified by category.

The balance information database and the detailed information database are not limited to the above configuration. At a minimum, the database may contain information necessary for customer balance inquiry and item inquiry.

Returning to FIG. 1, the account management system 10 will be described.

The second server 200 can be connected to the first server 100 through the intranet. Further, the second server 200 can be connected to the information terminal 500 of the customer A via the Internet. The second server 200 can mainly execute the processing necessary for executing the application program 510 of the information terminal 500 of the customer A. For example, the second server 200 can execute a process associated with the management of the application program 510 or a transaction process of the virtual account 900 (hereinafter referred to as “virtual transaction process”). That is, in the second server 200, the second processing unit 210 can execute a program related to management of the application program 510 and a program related to transaction processing with the virtual account 900. Further, the second storage unit 220 can store the deposit account data including the balance information used in the virtual transaction processing of the second deposit account 820 or the virtual account data of the virtual account 900 as a database.

The customer A can manage the second deposit account 820 by using the account management system 10 according to the present embodiment by operating the application program 510 installed in the information terminal 500. Hereinafter, the management (including virtual transaction processing) of the second deposit account 820 using the account management system 10 will be described with reference to FIGS. 5 to 12.

[1. Inquiry about the balance of the second deposit account]
Customer A can inquire the balance of the second deposit account 820 by using the application program 510 of the information terminal 500. The application program 510 displays an icon for checking the balance of the second deposit account 820 on the information terminal 500. When the customer A touches the icon, the application program 510 starts the processing program of the balance inquiry of the second deposit account 820. Specifically, the application program 510 sends an instruction to the account management system 10 to execute a processing program for checking the balance of the second deposit account 820.

FIG. 5 is an example of a processing flow diagram of a balance inquiry of the second deposit account 820 using the account management system 10 according to the embodiment of the present invention. The second deposit account data 122 of the second deposit account 820 is stored as a database in the first storage unit 120 of the first server 100. The second storage unit 220 of the second server 200 stores the third deposit account data 222 of the second deposit account 820 as a database.

The information terminal 500 transmits an instruction regarding the balance inquiry of the second deposit account 820 to the second server 200 via the Internet. The second server 200 that has received the instruction connects to the first server 100 via the intranet. In the first server 100, the first processing unit 110 extracts the second deposit account data 122 from the first storage unit 120. The first server 100 transmits the second deposit account data 122 to the information terminal 500 via the second server 200. The application program 510 of the information terminal 500 acquires the second balance information from the second deposit account data 122, and displays the second balance information as the balance of the second deposit account 820 on the information terminal 500.

The second storage unit 220 of the second server 200 stores the third deposit account data 222 including the third balance information of the second deposit account 820. The second deposit account data 122 and the third deposit account data 222 are both data relating to the second deposit account 820, but the second deposit account data 122 and the third deposit account data 222 are not necessarily the same. The second balance information of the second deposit account data 122 is the balance used in the business transaction processing of the second deposit account 820, while the third balance information of the third deposit account data 222 is the virtual balance of the second deposit account 820. The balance used in transaction processing. Specifically, the third balance information of the third deposit account data 222 includes a balance obtained by subtracting the balance information of the virtual account data from the second balance information of the second deposit account data 122. Therefore, when the customer A inquires about the balance of the second deposit account 820 in the business transaction processing, it is necessary to extract the second deposit account data 122 stored in the first storage unit 120.

When displaying the balance of the second deposit account 820 on the information terminal 500, the application program 510 can also display information prompting the creation of the virtual account 900 or the transfer to the virtual account 900. By displaying such information together with the balance of the second deposit account 820, the customer A's awareness of savings can be raised. In addition, customer A can be urged to use the virtual account 900 to manage funds that will not be used for the time being.

[2. Transfer from the 1st deposit account to the 2nd deposit account]
Customer A can transfer a designated amount from the first deposit account 810 to the second deposit account 820 by using the application program 510 of the information terminal 500. The application program 510 displays an icon for transfer from the first deposit account 810 to the second deposit account 820 on the information terminal 500. When the customer A touches the icon, the application program 510 displays the input screen of the specified amount. When the input of the designated amount of the customer A is completed, the application program 510 starts the processing program of the transfer from the first deposit account 810 to the second deposit account 820. Specifically, the application program 510 sends an instruction to the account management system 10 to execute a processing program for transferring from the first deposit account 810 to the second deposit account 820.

FIG. 6 is an example of a processing flow diagram of a transfer from a first deposit account 810 to a second deposit account 820 using the account management system 10 according to the embodiment of the present invention. The first storage unit 120 of the first server 100 stores the first deposit account data 121 of the first deposit account 810 and the second deposit account data 122 of the second deposit account 820 as a database. The second storage unit 220 of the second server 200 stores the third deposit account data 222 of the second deposit account 820 as a database.

The information terminal 500 transmits a command regarding transfer from the first deposit account 810 to the second deposit account 820 and data regarding a designated amount of money to the second server 200 via the Internet. The second server 200 that has received the instruction connects to the first server 100 via the intranet. In the first server 100, the first processing unit 110 extracts the first deposit account data 121 and the second deposit account data 122 from the first storage unit 120. Subsequently, the first processing unit 110 acquires the first balance information from the first deposit account data 121, and subtracts the designated amount from the first balance information. The first balance information of the first deposit account data 121 is rewritten to the amount after calculation, and the first deposit account data 121 including the rewritten first balance information is stored in the first storage unit 120. Further, the first processing unit 110 acquires the second balance information from the second deposit account data 122, and adds the designated amount to the second balance information. The second balance information of the second deposit account data 122 is rewritten to the amount after calculation, and the second deposit account data 122 including the rewritten second balance information is stored in the first storage unit 120.

Further, the first processing unit 110 generates the processing completion data 400 indicating that the transfer from the first deposit account 810 to the second deposit account 820 is completed. The first server 100 transmits the processing completion data 400 to the information terminal 500 via the second server 200. When the information terminal 500 receives the processing completion data 400, the application program 510 displays on the information terminal 500 that the transfer from the first deposit account 810 to the second deposit account 820 has been completed.

When the business transaction processing of the second deposit account 820 is performed, it is necessary to adjust not only the second balance information of the second deposit account data 122 but also the third balance information of the third deposit account data 222. Therefore, when the processing completion data 400 passes through the second server 200, the second processing unit 210 of the second server 200 extracts the third deposit account data 222 from the second storage unit 220. Subsequently, the second processing unit 210 acquires the third balance information from the third deposit account data 222, and adds the designated amount to the third balance information. The third balance information of the third deposit account data 222 is rewritten to the amount after calculation, and the third deposit account data 222 including the rewritten third balance information is stored in the second storage unit 220.

In this way, by performing the same operation not only on the first server 100 but also on the second server 200, the balance in the business transaction processing and the balance in the virtual transaction processing of the second deposit account 820 can be linked. In the above description, the transfer from the first deposit account 810 to the second deposit account 820 has been described, but the transfer from the second deposit account 820 to the first deposit account 810 can also be performed. In this case, in the arithmetic processing on the first server 100, the first processing unit 110 adds the specified amount to the first balance information of the first deposit account data 121, and from the second balance information of the second deposit account data 122. Subtract the specified amount. The second processing unit 210 of the second server 200 also performs the same operation.

When displaying on the information terminal 500 that the transfer from the first deposit account 810 to the second deposit account 820 has been completed, the application program 510 displays information prompting the creation of the virtual account 900 or the transfer to the virtual account 900. You can also do it. By displaying such information together with the completion of the transfer, the customer A's awareness of savings can be raised. In addition, customer A can be urged to use the virtual account 900 to manage funds that will not be used for the time being.

[3. Direct debit from the second savings account]
Customer A can set the second deposit account 820 as a designated account and perform fund transfer from the second deposit account 820. For example, the customer A can periodically set the second deposit account 820 as a designated account and transfer the utility bill or credit card from the second deposit account 820 on a regular basis. In that case, the application program 510 can notify the information terminal 500 that the account transfer from the second deposit account 820 has been completed. Specifically, when the account transfer from the second deposit account 820 is completed, the application program 510 displays on the information terminal 500 that the account transfer from the second deposit account 820 is completed.

FIG. 7 is an example of a processing flow diagram of fund transfer from the second deposit account 820 using the account management system 10 according to the embodiment of the present invention. The first server 100 can connect to the server 600 of a bank other than the X bank via the Internet, but is not limited to this. The server 600 may be a server having a deposit account to which the account transfer is made. Further, when the server 600 is the server of the X bank, the first server 100 can also be connected via the intranet. The second deposit account data 122 of the second deposit account 820 is stored as a database in the first storage unit 120 of the first server 100. The second storage unit 220 of the second server 200 stores the third deposit account data of the second deposit account 820 as a database.

When the first server 100 receives the account transfer command from the second deposit account 820, the first processing unit 110 extracts the second deposit account data 122 from the first storage unit 120. Subsequently, the first processing unit 110 acquires the second balance information from the second deposit account data 122, and subtracts the designated amount from the second balance information. The second balance information of the second deposit account data 122 is rewritten to the amount after calculation, and the second deposit account data including the rewritten second balance information is stored in the first storage unit 120.

Further, the first processing unit 110 generates the processing completion data 410 indicating that the account transfer from the second deposit account 820 is completed. The first server 100 transmits the processing completion data 410 to the information terminal 500 via the second server 200. When the information terminal 500 receives the processing completion data 410, the application program 510 displays on the information terminal 500 that the account transfer from the second deposit account 820 has been completed.

Further, when the processing completion data 410 passes through the second server 200, the second processing unit 210 of the second server 200 extracts the third deposit account data 222 from the second storage unit 220. Subsequently, the second processing unit 210 acquires the third balance information from the third deposit account data 222, and subtracts the designated amount from the third balance information. The third balance information of the third deposit account data 222 is rewritten to the amount after calculation, and the third deposit account data 222 including the rewritten third balance information is stored in the second storage unit 220.

The application program 510 may also display information prompting the transfer from the first deposit account 810 to the second deposit account 820 when displaying on the information terminal 500 that the account transfer from the second deposit account 820 has been completed. can. By displaying such information together with the completion of the fund transfer, the customer A can be urged to collect funds in the second deposit account 820, which is a savings account. In addition, customer A can be urged to use the virtual account 900 to manage funds that will not be used for the time being.

[4. Creation of a virtual account in the second deposit account]
Customer A can newly generate a virtual account 900 associated with the second deposit account 820 by using the application program 510 of the information terminal 500. The application program 510 displays an icon for generating the virtual account 900 on the information terminal 500. When the customer A touches the icon, the application program 510 displays an input screen for the name of the virtual account 900. Customer A can enter the purpose of savings, such as "overseas travel,""domestictravel,""insurance," or "old age," as the name of the virtual account 900. The name of the virtual account 900 is not limited to the purpose of saving, and can be freely entered. When the input of the name of the virtual account 900 by the customer A is completed, the application program 510 displays the input screen of the designated amount. When the customer A completes the input of the designated amount, the application program 510 starts the processing program for generating the virtual account 900. Specifically, the application program 510 sends an instruction to the account management system 10 to execute a processing program for generating the virtual account 900.

FIG. 8 is an example of a processing flow diagram for generating a first virtual account 910 using the account management system 10 according to the embodiment of the present invention. The virtual account 900 can generate not only one folder but also a plurality of folders depending on the purpose of saving, but here, it is assumed that the first virtual account 910 is generated. Since the generation of the first virtual account 910 is not a business transaction process, the first server 100 is not required. Therefore, in FIG. 8, the first server 100 is omitted. The second storage unit 220 of the second server 200 stores the third deposit account data 222 of the second deposit account 820 and the first virtual account data 225 of the first virtual account 910 as a database.

The second deposit account 820 can collect funds that are not used for the time being, as well as for the purpose of saving. Therefore, the virtual account 900 can set a folder not only for the purpose of saving but also for the purpose of managing the aggregated funds.

The information terminal 500 transmits a command regarding the setting of the first virtual account 910, and data regarding the name and the designated amount of money to the second server 200 via the Internet. When the second server 200 receives the command, the second processing unit 210 includes at least the identification information indicating that the second server 200 is associated with the second deposit account 820, the name of the first virtual account 910, and the designated amount. 1 Generate the first virtual account data 225 related to the virtual account balance information. The first virtual account data 225 can also be associated with the third deposit account data. Subsequently, the second processing unit 210 stores the generated first virtual account data 225 as a database in the second storage unit 220. Further, the second processing unit 210 generates the processing completion data 420 indicating that the first virtual account 910 associated with the second deposit account 820 has been generated. The second server 200 transmits the processing completion data 420 to the information terminal 500. When the information terminal 500 receives the processing completion data 400, the application program 510 displays on the information terminal 500 that the first virtual account 910 has been generated.

When the application program 510 displays on the information terminal 500 that the first virtual account 910 has been generated, the application program 510 can also display information related to the name of the first virtual account 910. By displaying such information together with the generation of the first virtual account 910, it is possible to raise the awareness of the customer A about the purpose of saving. In addition, it is possible to encourage the management of the funds collected by the customer A. Information related to the name of the first virtual account 910 can be registered in advance together with a keyword, and can be extracted and displayed by determination of similarity with the name of the first virtual account 910. It is also possible to search the Internet for the name of the first virtual account 910 and extract and display sites having a high degree of similarity.

[5. Transfer from the second deposit account to the virtual account]
If the virtual account 900 has already been created, the customer A can transfer the specified amount from the second deposit account 820 to the virtual account 900. The application program 510 displays an icon of the virtual account 900 (for example, the first virtual account 910 and the second virtual account 920) on the information terminal 500. When the customer A touches the first virtual account 910 icon, the application program 510 can display the input screen of the specified amount. When the customer A completes the input of the designated amount, the application program 510 starts the transfer processing program from the second deposit account 820 to the first virtual account 910. Specifically, the application program 510 sends an instruction to the account management system 10 to execute a processing program for transferring from the second deposit account 820 to the first virtual account 910.

FIG. 9 is an example of a processing flow diagram of a transfer from a second deposit account 820 to a first virtual account 910 using the account management system 10 according to the embodiment of the present invention. The transfer between the second deposit account 820 and the virtual account 900 is a virtual transaction process. That is, the transfer from the second deposit account 820 to the first virtual account 910 does not require the first server 100. Therefore, in FIG. 9, the first server 100 is omitted. The second storage unit 220 of the second server 200 stores the third deposit account data 222 of the second deposit account 820 and the first virtual account data 225 of the first virtual account 910 as a database.

The information terminal 500 transmits a command regarding transfer from the second deposit account 820 to the first virtual account 910 and data regarding a designated amount of money to the second server 200 via the Internet. In the second server 200 that has received the instruction, the second processing unit 210 extracts the third deposit account data 222 and the first virtual account data 225 from the second storage unit 220. Subsequently, the second processing unit 210 acquires the third balance information from the third deposit account data 222, and subtracts the designated amount from the third balance information. The third balance information of the third deposit account data 222 is rewritten to the amount after calculation, and the third deposit account data 222 including the rewritten third balance information is stored in the second storage unit 220. Further, the second processing unit 210 acquires the first virtual account balance information of the first virtual account 910 from the first virtual account data 225, and adds a designated amount to the first virtual account balance information. The first virtual account balance information of the first virtual account data 225 is rewritten to the amount after calculation, and the first virtual account data 225 including the rewritten first virtual account balance information is stored in the second storage unit 220 as a database. Will be done.

Further, the second processing unit 210 generates the processing completion data 430 indicating that the transfer from the second deposit account 820 to the first virtual account 910 is completed. The second server 200 transmits the processing completion data 430 to the information terminal 500. When the information terminal 500 receives the processing completion data 430, the application program 510 displays on the information terminal 500 that the transfer from the second deposit account 820 to the first virtual account 910 has been completed.

In the above description, the transfer from the second deposit account 820 to the first virtual account 910 has been described, but the transfer from the first virtual account 910 to the second deposit account 820 can also be performed. In this case, in the arithmetic processing on the second server 200, the second processing unit 210 subtracts the specified amount from the first virtual account balance information of the first virtual account data 225, and the third balance of the third deposit account data 222. Add the specified amount to the information.

The application program 510 can also display information related to the name of the first virtual account 910 when displaying the completion of the transfer from the second deposit account 820 to the first virtual account 910 on the information terminal 500. By displaying such information together with the completion of the transfer from the second deposit account 820 to the first virtual account 910, it is possible to raise the awareness of the customer A about the purpose of saving. In addition, it is possible to encourage the customer A to manage the funds collected by the customer A.

[6. Automatic transfer from the second deposit account to the virtual account accompanying the transfer from the first deposit account]
Customer A automatically transfers from the second deposit account 820 to the virtual account 900 when the transfer from the first deposit account 810 to the second deposit account 820 is performed using the application program 510 of the information terminal 500. It can be set to perform transfer (automatic transfer). The application program 510 displays an icon of the virtual account 900 (for example, the first virtual account 910 and the second virtual account 920) on the information terminal 500. When the customer A touches the first virtual account 910 icon, the application program 510 can display the automatic transfer selection screen. As a condition for automatic transfer, customer A transfers from the second deposit account 820 to the first virtual account 910, for example, when the first designated amount is transferred from the first deposit account 810 to the second deposit account 820. Second Set to transfer the specified amount. The application program 510 registers the above conditions for automatic transfer in the account management system 10. Further, when the transfer from the second deposit account 820 to the first virtual account 910 is completed, the application program 510 informs the information terminal 500 that the transfer from the second deposit account 820 to the first virtual account 910 is completed. indicate.

FIG. 10 is an example of a processing flow diagram of automatic transfer from the second deposit account 820 to the first virtual account 910 accompanying the transfer from the first deposit account 810 using the account management system 10 according to the embodiment of the present invention. Is. The first storage unit 120 of the first server 100 stores the first deposit account data 121 of the first deposit account 810 and the second deposit account data 122 of the second deposit account 820. In the second storage unit 220 of the second server 200, the third deposit account data 222 of the second deposit account 820 and the first virtual account data 225 of the first virtual account 910 are stored as a database, and the automatic setting data 227 is further stored. It is remembered. The automatic setting data 227 includes at least information on the first virtual account 910, which is the transfer destination, and the second designated amount. Further, the automatic setting data 227 may include identification information associated with the processing completion data 400 as a condition for automatic transfer.

When the first server 100 receives the transfer command from the first deposit account 810 to the second deposit account 820, the first processing unit 110 receives the first deposit account data 121 and the second deposit from the first storage unit 120. The account data 122 is extracted. Subsequently, the first processing unit 110 acquires the first balance information from the first deposit account data 121, and subtracts the first designated amount from the first balance information. The first balance information of the first deposit account data 121 is rewritten to the amount after calculation, and the first deposit account data 121 including the rewritten first balance information is stored in the first storage unit 120. Further, the first processing unit 110 acquires the second balance information from the second deposit account data 122, and adds the first designated amount to the second balance information. The second balance information of the second deposit account data 122 is rewritten to the amount after calculation, and the second deposit account data 122 including the rewritten second balance information is stored in the first storage unit 120.

Further, the first processing unit 110 generates the processing completion data 400 indicating that the transfer from the first deposit account 810 to the second deposit account 820 is completed. The first server 100 transmits the processing completion data 400 to the information terminal 500 via the second server 200.

When the processing completion data 400 passes through the second server 200, the second processing unit 210 of the second server 200 extracts the third deposit account data 222 from the second storage unit 220. Subsequently, the second processing unit 210 acquires the third balance information from the third deposit account data 222, and subtracts the designated amount from the third balance information. The third balance information of the third deposit account data 222 is rewritten to the amount after calculation, and the third deposit account data 222 including the rewritten second balance information is stored in the second storage unit 220.

When the information terminal 500 receives the processing completion data 400, the application program 510 connects to the second server 200 via the Internet, and is automatically transferred subject to the processing completion data 400, that is, from the first deposit account 810 to the first. 2 It is determined whether or not automatic transfer is set on condition of transfer to the deposit account 820. If the automatic transfer is set, the application program 510 starts the processing program corresponding to the automatic transfer. Here, since the automatic transfer is set on the condition of the processing completion data 400, the application program 510 executes the transfer processing program from the second deposit account 820 to the first virtual account 910 in the account management system 10. Send a command to do so. Subsequent processing is described in [5. Since it is the same as the transfer from the second deposit account to the virtual account], the description thereof is omitted here.

Further, as a modification, when the first processing unit 110 generates the processing completion data 400 and the first server 100 transmits the processing completion data 400 to the second server 200, the second processing unit 210 of the second server It is also possible to determine whether or not automatic transfer is set on the condition of the processing completion data 400.

[7. Automatic transfer from virtual account to second deposit account accompanying fund transfer of second deposit account]
Customer A automatically transfers from the virtual account 900 to the second deposit account 820 (automatic transfer) when the account transfer is performed from the second deposit account 820 using the application program 510 of the information terminal 500. Can be set to do. The application program 510 displays an icon of the virtual account 900 (for example, the first virtual account 910 and the second virtual account 920) on the information terminal 500. When the customer A touches the icon of the first virtual account 910, the application program 510 can display the automatic transfer selection screen. As a condition for automatic transfer, customer A transfers the second specified amount from the first virtual account 910 to the second deposit account 820, for example, when the account transfer of the first specified amount is performed from the second deposit account 820. Set to do. The application program 510 registers the above conditions for automatic transfer in the account management system 10. Further, when the account transfer from the second deposit account 820 is completed, the application program 510 displays on the information terminal 500 that the transfer from the first virtual account 910 to the second deposit account 820 is completed.

FIG. 11 is an example of a processing flow diagram of automatic transfer from the first virtual account 910 to the second deposit account 820 accompanying the account transfer of the second deposit account 820 using the account management system 10 according to the embodiment of the present invention. Is. The second deposit account data 122 of the second deposit account 820 is stored as a database in the first storage unit 120 of the first server 100. In the second storage unit 220 of the second server 200, the third deposit account data 222 of the second deposit account 820 and the first virtual account data 225 of the first virtual account 910 are stored as a database, and the automatic setting data 227 is further stored. It is remembered. The automatic setting data 228 includes at least information on the first virtual account 910, which is the transfer source, and the second designated amount. Further, the automatic setting data 227 may include identification information associated with the processing completion data 410 as a condition for automatic setting.

When the first server 100 receives the account transfer command from the second deposit account 820, the first processing unit 110 extracts the second deposit account data 122 from the first storage unit 120. Subsequently, the first processing unit 110 acquires the second balance information from the second deposit account data 122, and subtracts the designated amount from the second balance information. The second balance information of the second deposit account data 122 is rewritten to the amount after calculation, and the second deposit account data including the rewritten second balance information is stored in the first storage unit 120.

Further, the first processing unit 110 generates the processing completion data 410 indicating that the account transfer from the second deposit account 820 is completed. The first server 100 transmits the processing completion data 410 to the information terminal 500 via the second server 200.

Further, when the processing completion data 410 passes through the second server 200, the second processing unit 210 of the second server 200 extracts the third deposit account data 222 from the second storage unit 220. Subsequently, the second processing unit 210 acquires the third balance information from the third deposit account data 222, and subtracts the designated amount from the third balance information. The third balance information of the third deposit account data 222 is rewritten to the amount after calculation, and the third deposit account data 222 including the rewritten third balance information is stored in the second storage unit 220.

When the information terminal 500 receives the processing completion data 400, the application program 510 connects to the second server 200 via the Internet, and is automatically transferred subject to the processing completion data 410, that is, from the second deposit account 820. Determine if automatic transfer is set on condition of direct debit. If the automatic transfer is set, the application program 510 starts the processing program corresponding to the automatic transfer. Here, since the automatic transfer is set on the condition of the processing completion data 410, the application program 510 executes the transfer processing program from the first virtual account 910 to the second deposit account 820 in the account management system 10. Send a command to do so. Subsequent processing is described in [5. Since it is the same as the transfer from the second deposit account to the virtual account], the description thereof is omitted here.

[8. Deletion of virtual account due to insufficient balance of second deposit account]
In the transfer from the second deposit account 820 to the first deposit account 810 and the account transfer from the second deposit account 820, the third balance information of the third deposit account data 222 of the second deposit account 820 managed by the second server 200. When the specified amount of money or more is set, the application program 510 can notify that a part or all of the virtual account 900 is deleted. In that case, the application program 510 can display the selection screen of the virtual account 900 on the information terminal 500. When the customer A selects the first virtual account 910 to be deleted from the selection screen, the application program 510 starts the processing program for deleting the first virtual account 910. Specifically, the application program 510 sends an instruction to the account management system 10 to execute a processing program for deleting the first virtual account 910.

FIG. 12 is an example of a processing flow diagram for deleting the first virtual account 910 due to insufficient balance of the second deposit account 820 using the account management system 10 according to the embodiment of the present invention. Since the management of the first virtual account 910 is performed by the second server 200, the first server 100 is not required to delete the first virtual account 910. Therefore, in FIG. 12, the first server 100 is omitted. The second storage unit 220 of the second server 200 stores the third deposit account data 222 of the second deposit account 820 and the first virtual account data 225 of the first virtual account 910 as a database.

The second server 200 receives the processing completion data 400 or the processing completion data 410 from the first server 100, and the second processing unit 210 of the second server 200 extracts the third deposit account data 222 from the second storage unit 220. do. The second processing unit 210 generates the negative balance information data 450 when a negative value is obtained by subtracting the designated amount from the third balance information of the third deposit account data 222. The second server 200 transmits the negative balance information data 450 to the information terminal 500. When the information terminal 500 receives the negative balance information data 450, the application program 510 displays on the information terminal 500 a screen for selecting whether or not to delete the virtual account 900. When the deletion of the first virtual account 910 is selected by the customer A, the application program 510 transmits an instruction regarding the deletion of the first virtual account 910 to the second server 200 via the Internet. When the second server 200 receives the instruction, the second processing unit 210 deletes the first virtual account data 225 from the database of the second storage unit 220. In addition, the second processing unit 210 generates the processing completion data 440 indicating that the deletion of the first virtual account 910 is completed. The second server 200 transmits the processing completion data 440 to the information terminal 500. When the information terminal 500 receives the processing completion data 440, the application program 510 displays on the information terminal 500 that the deletion of the first virtual account 910 from the second deposit account 820 is completed.

According to the account management system 10 according to the present embodiment, the customer A manages the second deposit account 820 by using the application program 510 of the information terminal 500, and the customer A uses the second deposit account 820. Can make planned savings or manage funds. Further, since the second deposit account 820 can set a virtual account 900, the purpose of savings or fund management can be clarified. Moreover, the second deposit account 820 is associated with the first deposit account 810. Therefore, when the customer A needs cash, the funds can be transferred from the second deposit account 820 to the first deposit account 810 and withdrawn from the first deposit account 810. Therefore, the second deposit account 820 can also be used as the cashless deposit account.

Although the account management system 10 using the bank deposit account has been described above in the first embodiment, the account management system according to the embodiment of the present invention can be used other than the bank deposit account. For example, in an account management system that uses a securities account of a securities company, stocks can be set as virtual accounts and stocks can be bought and sold up to the balance of each virtual account. At that time, by managing the second securities account linked to the first securities account, customer A buys and sells stocks within the balance of the second securities account while protecting the assets in the first securities account. It can be performed.

<Second Embodiment>
13 to 16, an account management system according to an embodiment of the present invention, which is different from the first embodiment, will be described. In the first embodiment, the configuration using the balance information of the deposit account has been described, but in the present embodiment, the configuration using the detailed information of the deposit account will be described.

[1. Inquiry about details of the second deposit account]
Customer A can inquire the details of the second deposit account 820 by using the application program 510 of the information terminal 500. The application program 510 displays an icon for inquiring the details of the second deposit account 820 on the information terminal 500. When the customer A touches the icon, the application program 510 starts the processing program of the detail inquiry of the second deposit account 820. Specifically, the application program 510 sends an instruction to the account management system 20 to execute a processing program for checking the details of the second deposit account 820.

FIG. 13 is an example of a processing flow diagram of a detailed inquiry of the second deposit account 820 using the account management system 20 according to the embodiment of the present invention. In the following, the description of the same configuration as that of the account management system 10 will be omitted, and the configuration different from that of the account management system 10 will be mainly described.

The account management system 20 can connect to the information terminal 500 of the customer A via the Internet. Further, the account management system 20 can be connected to the PFM server 700 that provides the PFM service of the detailed information of the second deposit account 820 via the Internet.

The account management system 20 includes a second server 200. Although not shown, the account management system 20 may include a first server 100. The second server 200 includes a second processing unit 210, a second storage unit 220, and a first acquisition unit 230. The first detail data 231 of the second deposit account 820 is stored in the second storage unit 220.

The first acquisition unit 230 can read and execute the program required for processing in the same manner as the second processing unit 210, but further sends and receives information necessary for accessing the PFM server 700, and the PFM server. The detailed information of the second deposit account 820 can be received from 700.

The information terminal 500 transmits an instruction regarding acquisition of detailed information of the second deposit account 820 to the second server 200 via the Internet. The second server 200 that has received the instruction connects to the PFM server 700 via the Internet.

The application program 510 displays a screen for inputting access information to the PFM server 700 on the information terminal 500. By inputting the access information by the customer A, the second server 200 can access the PFM server 700, and the first acquisition unit 230 of the second server 200 receives the detailed information of the second deposit account 820 from the PFM server 700. It is acquired and the detailed information of the second deposit account 820 is stored in the second storage unit 220 as the first detailed data 231. The first acquisition unit 230 acquires the detailed information of the second deposit account 820 from the PFM server 700, but the second processing unit 210 extracts the necessary detailed information, and the extracted detailed information is used as the first detailed data. It can also be stored in the second storage unit 220 as 231.

Regarding the access to the PFM server 700, the access information may be registered in advance in the application program 510, and the input of the access information by the customer A may be omitted. In this case, the second server 200 may periodically access the PFM server 700 to extract the detailed information of the second deposit account 820, and store the first detailed data 231 in the second storage unit 220.

Subsequently, the second server 200 transmits the first detailed data 231 to the information terminal 500. The application program 510 displays the first detail data 231 on the information terminal 500 as the detail information of the second deposit account 820. Further, necessary information (for example, date, shopping store, amount of money, etc.) can be extracted from the first detailed data 231 and displayed on the information terminal 500 as detailed information of the second deposit account 820.

The detail inquiry in the application program 510 is not limited to the second deposit account 820. If the customer A is a deposit account registered in the PFM service, the details can be inquired using the application program 510. For example, not only the first deposit account 810 and the second deposit account 820 of the X bank but also the details of the deposit accounts of other banks can be inquired.

Further, the statement inquiry using the application program 510 can be applied not only to the account details of the deposit account but also to the usage details of the credit card and the point service.

The application program 510 can also display information of interest to the customer A on the information terminal 500 in association with the detail inquiry. Information that customer A is interested in can be obtained from the detailed information. For example, it is possible to acquire the purchase history of the product from the detailed information and provide the customer A with the information related to the purchased product. Further, it is possible to acquire a common item from the detailed information of the deposit account that can receive the PFM service including the second deposit account 820, and provide the customer A with the information related to the item. Further, the customer A may be provided with product information or the like for which the point service can be received. In this way, by providing the information accompanying the detailed inquiry to the customer A, it is possible to raise the awareness of the customer A about the savings and to encourage the customer A to manage the funds.

The detailed inquiry of the account management system 20 is not limited to the detailed information of the second deposit account 820. Hereinafter, as an example, acquisition of related information based on the detailed information of the second deposit account 820 will be described.

[2. Acquisition of related information based on the detailed information of the second deposit account]
The customer A can acquire the detailed information of the second deposit account 820 by using the application program 510 of the information terminal 500, and can acquire the information related to the detailed information. The application program 510 displays an icon for inquiring the details of the second deposit account 820 on the information terminal 500. When the customer A touches the icon, the application program 510 starts the processing program of the detail inquiry of the second deposit account 820. Specifically, the application program 510 sends an instruction to the account management system 20 to execute a processing program for checking the details of the second deposit account 820.

FIG. 14 is an example of a processing flow diagram of a detailed inquiry of the second deposit account 820 using the account management system 20 according to the embodiment of the present invention. The information terminal 500 transmits an instruction regarding acquisition of detailed information of the second deposit account 820 to the second server 200 via the Internet. The second server 200 that has received the instruction connects to the PFM server 700 via the Internet. The first acquisition unit 230 of the second server 200 acquires the detailed information of the second deposit account 820 from the PFM server 700, and the detailed information of the second deposit account 820 is used as the first detailed data 231 in the second storage unit 220. Remember.

On the other hand, the first classification data 241 is stored in the second storage unit 220. The first classification data 241 includes one or more keywords and keyword-related information related to the keywords. In addition, keyword-related information is registered in association with the keyword. That is, if a keyword is selected, keyword-related information can be acquired.

The second processing unit 210 extracts the first detailed data 231 and the first classification data 241 from the second storage unit 220, and the first detailed data 231 includes keywords registered in the first classification data 241. Determine if it is. When the keyword is included in the first detail data 231, the second processing unit 210 generates the search result data 460 including the included keyword and the keyword-related information. The second server 200 transmits the search result data 460 to the information terminal 500. When the information terminal 500 receives the search result data 460, the application program 510 displays the detailed information of the second deposit account 820 on the information terminal 500, but when the search result data 460 is generated, it is related to keywords. Information can also be displayed.

Acquisition of related information in the application program 510 is not limited to the second deposit account 820. If the customer A is a deposit account registered in the PFM service, the application program 510 can be used to acquire the relevant information of the detailed information of the registered deposit account. For example, it is possible to obtain not only the first deposit account 810 and the second deposit account 820 of the X bank but also the relevant information of the detailed information of the deposit accounts of other banks. Even with a deposit account of another bank, the relevant information of the detailed information of the deposit account can be obtained by the same method as described above.

Since the customer A can acquire the related information from the detailed information of the deposit account, it is possible to raise the awareness of the customer A about the purpose of saving and to encourage the customer A to manage the funds.

[3. Acquisition of classification category based on detailed information of the second deposit account]
Customer A can use the application program 510 of the information terminal 500 to acquire detailed information of a plurality of deposit accounts and classify the detailed information into categories. The above-mentioned [1. As described in [Inquiry of details of the second deposit account], the details of the second deposit account 820 are acquired. Further, in the same manner, the detailed information of the first deposit account 810 can also be acquired. The second storage unit 220 of the account management system 20 stores the first detailed data 231 including the detailed information of the first deposit account 810 and the second detailed data 232 including the detailed information of the second deposit account 820.

In addition, the second classification data 242 is also stored in the second storage unit 220. Keywords and categories are associated and registered in the second classification data 242. That is, the keyword can be determined to determine the category.

The second processing unit 210 extracts the first detail data 231 and the second classification data 242 from the second storage unit 220, and the first detail data 231 includes the keywords registered in the first classification data 241. Determine if it is. When the keyword is included in the first detail data 231, the second processing unit 210 generates the first search result data 470 including the included keyword and the category associated with the keyword. Further, in the same manner, the second search result data 480 is generated from the second detailed data 232 and the second classification data 242. The second server 200 transmits the first search result data 470 and the second search result data 480 to the information terminal 500. When the information terminal 500 receives the search result data 460, the application program 510 generates detailed information classified by category based on the first search result data 470 and the second search result data 480, and displays the detailed information on the information terminal 500. .. The second processing unit 210 can also generate detailed information for each category.

[4. Automatic transfer to a virtual account using the detailed information of the second deposit account]
Customer A automatically transfers from the second deposit account 820 to the virtual account 900 when the detailed information of the second deposit account 820 is acquired by using the application program 510 of the information terminal 500 (automatic transfer). Can be set to do. The application program 510 displays an icon of the virtual account 900 (for example, the first virtual account 910 and the second virtual account 920) on the information terminal 500. When the customer A touches the first virtual account 910 icon, the application program 510 can display the automatic transfer selection screen. As a condition for automatic transfer, customer A transfers from the second deposit account 820 to the first virtual account 910, for example, when the detailed information of the second deposit account 820 is acquired and a specific keyword is included in the detailed information. Set to transfer the specified amount. The application program 510 registers the above conditions for automatic transfer in the account management system 10. Further, when the transfer from the second deposit account 820 to the first virtual account 910 is completed, the application program 510 informs the information terminal 500 that the transfer from the second deposit account 820 to the first virtual account 910 is completed. indicate.

FIG. 16 is a processing flow diagram of automatic transfer from the second deposit account 820 to the first virtual account 910 when the detailed information of the second deposit account 820 using the account management system 20 according to the embodiment of the present invention is acquired. This is an example. In the second storage unit 220 of the second server 200, the third deposit account data 222 of the second deposit account 820 and the first virtual account data 225 of the first virtual account 910 are registered as databases, and further, the automatic setting data 227 and the automatic setting data 227 are registered. The first detailed data 231 is stored. The automatic setting data 227 includes at least information on the first virtual account 910, which is the transfer destination, the designated amount, and the keyword.

The information terminal 500 transmits an instruction regarding acquisition of detailed information of the second deposit account 820 to the second server 200 via the Internet. The second server 200 that has received the instruction connects to the PFM server 700 via the Internet. The first acquisition unit 230 of the second server 200 acquires the detailed information of the second deposit account 820 from the PFM server 700, and the detailed information of the second deposit account 820 is used as the first detailed data 231 in the second storage unit 220. Remember.

The second processing unit 210 extracts the first detail data 231 and the automatic setting data 227 from the second storage unit 220, and the first detail data 231 includes a keyword registered in the automatic setting data 227. Determine if it is present. When the keyword is included in the first detail data 231, the second processing unit 210 may use the above-mentioned first embodiment [5. Transfer from the second deposit account to the virtual account] Execute the processing program described in. That is, the transfer process is performed using the third deposit account data 222 of the second deposit account 820 and the first virtual account data 225 of the first virtual account 910. In addition, the second processing unit 210 generates processing completion data 430 indicating that the transfer from the second deposit account 820 to the first virtual account 910 has been completed. The second server 200 transmits the processing completion data 430 to the information terminal 500. When the information terminal 500 receives the processing completion data 430, the application program 510 displays on the information terminal 500 that the transfer from the second deposit account 820 to the first virtual account 910 has been completed.

[5. Modification example]
FIG. 17 shows the configuration of the account management system 30 according to the embodiment of the present invention. As shown in FIG. 17, the account management system 30 includes a second server 200 and a third server 300. The second server 200 includes a second processing unit 210 and a second storage unit 220. The third server 300 includes a third processing unit 310 and a third storage unit 320.

As described in the first embodiment, the second server 200 receives a command from the application program 510 of the information terminal 500 of the customer A, and mainly executes the virtual transaction processing of the second deposit account 820. Can be done.

On the other hand, the third server 300 can perform a process of acquiring the detailed information of the first deposit account 810, the second deposit account 820, and the third deposit account 830 of the customer A. In the third server 300, the third storage unit 320 includes the first detailed data 321 related to the detailed information of the first deposit account 810, the second detailed data 322 related to the detailed information of the second deposit account 820, and the third deposit account 830. Includes third detail data 323 with respect to detail information.

That is, the account management system 30 acquires detailed information on the third server 300 and performs processing using the detailed information or balance information on the second server 200.

According to the account management system 20 or 30 according to the embodiment of the present invention, the customer A acquires the detailed information of the deposit account or the usage detailed information of the credit card or the point service by using the application program 510 of the information terminal 500. can do. Further, the customer A can acquire not only the detailed information but also the related information related to the detailed information. Since the customer A can manage the second deposit account 820 based on the acquired detailed information, he / she can make a planned savings using the second deposit account 820 and appropriately use the collected funds. Can be managed and operated.

<Third Embodiment>
The information providing system (or the recommendation service system) according to the embodiment of the present invention will be described. The information providing system can provide the customer A with meaningful information in the purpose of saving or the management of the fund management by the customer A. The information providing system is not limited to the second deposit account 820, and can provide the information obtained by analyzing the information acquired by the PFM service. Therefore, as a recommendation service that can be provided by the information providing system, for example, information on an efficient saving method, management, or operation, or information on a product or service that is being considered for purchase can be provided. ..

In the following, the provision of recommendation information using the information provision system will be described when the customer A manages savings or fund management in the second deposit account 820.

The information providing system uses the second server 200. That is, the second server 200 further includes an analysis unit, and the information providing system can generate recommendation information by the analysis unit included in the second server 200.

The analysis unit acquires information related to the second deposit account 820 of customer A. For example, the analysis unit can acquire the first detail data 231 of the second deposit account 820 from the second storage unit 220. Further, the analysis unit can also acquire the detailed information of the second deposit account 820 when accessing the PFM server 700.

The analysis unit extracts frequently purchased products from the acquired first detail data 231 (detail information of the second deposit account 820), and generates recommendation information including contents related to the extracted products or similar products. do. The products extracted from the first detailed data 231 are not limited to those with a high purchase frequency, and for example, recently purchased products can be extracted. Further, what is extracted is not limited to products, and may be, for example, a country or a city.

Further, the history of the extracted information or the recommendation information can be stored in the second storage unit 220 as the information of the customer A.

Further, the recommendation information can be generated to include the content related to the name of the virtual account 900. For example, when the name of the virtual account 900 includes "overseas travel" or "domestic travel", the analysis unit can generate content related to travel as recommendation information. Further, for example, when the name of the virtual account 900 includes "old age", the analysis unit can generate content related to asset management for preparing old age funds as recommended information. That is, the analysis unit can generate information related to the operation of the balance of the second deposit account 820. The analysis unit may collate with a predetermined keyword and generate recommendation information associated with the keyword.

The generated recommendation information is transmitted to the information terminal 500 of the customer A, and the customer A can view the recommendation information. The display of the recommendation information on the information terminal 500 may be not only a display such as a message but also a display by mail delivery, advertisement delivery, or the like.

According to the information providing system according to the embodiment of the present invention, it is possible to provide the customer A with the recommendation information based on the management of the savings or the fund management of the customer A. For example, when customer A manages savings or fund management in the second deposit account 820, the information providing system analyzes information related to the second deposit account 820 (detailed information or information of the virtual account 900). This makes it possible to provide recommendation information related to the management of savings or fund management of customer A. Therefore, the information providing system can provide a recommendation service in line with the intention of the customer A.

<Fourth Embodiment>
Another information providing system (or recommendation service system) according to one embodiment of the present invention, which is different from the third embodiment, will be described. The information providing system 50 can predict the future balance of the deposit account of the customer A and provide the customer A with information based on the predicted balance of the deposit account. Specifically, the information providing system 50 can provide the financial loan information of Bank X to the customer A when the predicted balance of the deposit account is insufficient. Further, when the predicted balance of the deposit account reaches a certain amount of savings, the financial product information of Bank X such as an investment trust can be provided to the customer A. The information providing system 50 according to the present embodiment can also provide a recommendation service based on the deposit account of customer A, not limited to the second deposit account 820, by using the information acquired by the PFM service. can.

In the following, the provision of recommendation information using the information providing system 50 will be described when the balance of the deposit account predicted by the customer A is insufficient.

The information providing system 50 acquires the balance information of the deposit account of the customer A from the PFM server 700, and creates a transition pattern of the accumulated balance information of the past deposit account. Further, the detailed information of the deposit account of the customer A is acquired from the PFM server 700, and the confirmed fund transfer amount is totaled. The future balance of the deposit account will be calculated based on the balance information of the deposit account and the total amount of the confirmed fund transfer, but at that time, the correction will be made in consideration of the regularity of the transition pattern of the created balance information. The regularity of the transition pattern is, for example, regular income other than fund transfer, or the amount of change in the balance in a specific month. By making corrections based on the regularity of the transition pattern of balance information, the accuracy of forecasting the balance of the deposit account will be improved.

Further, the information providing system 50 according to the present embodiment can also predict the balance of the deposit account by using machine learning. Hereinafter, the information providing system 50 using machine learning will be described with reference to FIG.

FIG. 18 is an example of a processing flow diagram using the information providing system 50 according to the embodiment of the present invention. As shown in FIG. 18, the information providing system 50 includes a server 1000. The server 1000 includes an acquisition unit 1010, a learning unit 1020, and a processing unit 1030.

The server of the information providing system 50 may include the learning unit 1020, and may be the second server 200 or the third server 300.

The acquisition unit 1010 can acquire information necessary for learning by the learning unit 1020. For example, the acquisition unit 1010 can acquire the balance information and the detailed information of the deposit account of the customer A from the PFM server 700. The line item information includes the date, the line item related to income or expenditure, and the amount of income or expense for each item.

The learning unit 1020 constructs and learns the first learning model 1021, the second learning model 1022, and the third learning model 1023 based on the detailed information acquired by the acquisition unit 1010.

In the first learning model 1021, the items of detailed information can be classified. Specifically, in the first learning model 1021, each item of the detailed information is determined to be periodic information which is periodic income or expenditure and non-periodic information other than that, and is output. The learning unit 1020 learns the similarity of the detailed contents related to the income or expenditure of the detailed information. The learning unit 1020 determines the similarity of the items of the detailed information based on the learned similar pattern. Further, the learning unit 1020 creates a first transition pattern showing the transition of the date interval for the item of the detailed information determined to be similar. The learning unit 1020 creates a first division pattern in which the first transition pattern is divided into predetermined periods (for example, June or one year), and learns the first division pattern. The learning unit 1020 determines the similarity of the first division pattern, and outputs the items determined to be similar as periodic information and the items determined to be dissimilar as non-periodic information.

In the second learning model 1022, the amount of the items of the periodic information classified by the first learning model 1021 can be predicted. The learning unit 1020 creates a second transition pattern showing the transition of the amount of money for each item. Further, the learning unit 1020 creates a second division pattern in which the second transition pattern is divided into predetermined periods (for example, June or one year), and learns the second division pattern. The learning unit 1020 predicts and outputs the future amount of money in each item of the periodic information based on the similarity of the first division pattern.

In the third learning model 1023, the amount of the non-periodic information item classified by the first learning model 1021 can be predicted. The learning unit 1020 totals the income and expenditure of the items classified as irregular information for each predetermined period (for example, January), and creates a third transition pattern showing the transition of the total income and expenditure. Further, the learning unit 1020 creates a third division pattern in which the third transition pattern is divided into predetermined periods (for example, June or one year), and learns the third division pattern. The learning unit 1020 predicts and outputs the amount of future income and expenditure in the item of non-periodic information based on the similarity of the division pattern. If it can be determined that the item of sudden income and expenditure is included in the third division pattern, the item can be removed for learning, and at that time, even if learning is performed using the teacher data. good.

In the processing unit 1030, the balance information acquired by the acquisition unit 1010, the future amount of money in each item of the periodic information output by the second learning model 1022, and the future in the non-periodic information item output by the third learning model 1023. Calculate the future balance of your deposit account based on the amount in. As a result, when it can be determined that the balance of the deposit account is insufficient, the processing unit 1030 generates the balance shortage data and the recommendation information for resolving the balance shortage. As the recommendation information for solving the balance shortage, for example, the loan information of Bank X.

The generated balance shortage data and recommendation information are transmitted to the information terminal 500 of the customer A, and the customer A can view the future balance and the recommendation information of the deposit account.

When a plurality of deposit accounts of customer A are registered in the PFM server 700, the information providing system 50 can be applied to the plurality of accounts.

The information providing system 50 may apply machine learning to all of classification, determination, and prediction, or may apply machine learning to a part of classification, judgment, and prediction.

According to the information providing system 50 according to the embodiment of the present invention, the future balance of the deposit account of the customer A is predicted, and the recommendation information based on the future balance of the deposit account is provided to the customer A. Can be done. For example, it is possible to predict that the balance of the deposit account of the customer A will be insufficient, and provide the customer A with the recommendation information for resolving the insufficient balance of the deposit account. Therefore, the customer A can solve the shortage of the balance of the deposit account in advance and can stably manage the deposit account. Further, when the future balance of the deposit account of the customer A reaches a certain amount, the financial product information can be provided to the customer A. Therefore, the customer A can manage the balance of the deposit account to make a planned savings and can manage the savings.

Each of the above-described embodiments of the present invention can be appropriately combined and implemented as long as they do not contradict each other. In addition, those skilled in the art who appropriately add, delete, or change the design of components based on each embodiment, or those who have added, omitted, or changed the conditions of processes also have the gist of the present invention. As long as it is, it is included in the scope of the present invention.

Of course, other effects different from those brought about by each of the above-described embodiments, which are obvious from the description of the present specification or which can be easily predicted by those skilled in the art, are of course the present invention. It is understood that it is brought about by.

10, 20, 30: Account management system, 50: Information provision system, 100: 1st server, 110: 1st processing unit, 120: 1st storage unit, 121: 1st deposit account data, 122: 2nd deposit account Data, 200: 2nd server, 210: 2nd processing unit, 220: 2nd storage unit, 222: 3rd deposit account data, 225: 1st virtual account data, 227: 228: automatic setting data, 230: 1st Acquisition unit, 231: 1st detailed data, 241: 1st classification data, 242: 2nd classification data, 300: 3rd server, 310: 3rd processing unit, 320: 3rd storage unit, 321: 1st detailed data , 322: 2nd detail data, 323: 3rd detail data, 400, 410, 420, 430: 440: processing completion data, 450: negative balance information data, 460: search result data, 470: first search result data, 480: 2nd search result data, 500: Information terminal, 510: Application program, 600: Server, 700: PFM server, 810: 1st deposit account, 820: 2nd deposit account, 830: 3rd deposit account, 850: Bank X's deposit account in the name of another person, 860: Bank X's own deposit account, 870: Bank's deposit account other than Bank X, 900: Virtual account, 910: 1st virtual account, 920: 2nd virtual account, 1000: Server, 1010: Acquisition unit, 1020: Learning unit, 1021: 1st learning model, 1022: 2nd learning model, 1023: 3rd learning model, Processing unit: 1030

Claims (21)

The third account data of the second account linked to the first account and the virtual account data of one or more virtual accounts linked to the second account by connecting to the first server and the customer's information terminal. It is an account management system including a second server that manages
The second server is an account management system including a first acquisition unit that acquires first detail data provided by the customer's PFM service. The second server further
A second processing unit that executes arithmetic processing using the third account data and the one or more virtual account data, and
A second storage unit that stores the third account data after the calculation process and the one or more virtual account data, and
The account management system according to claim 1. The account management system according to claim 1 or claim 2, wherein the first detail data includes the detail information of the second account. The account management system according to any one of claims 1 to 3, wherein the second server acquires information related to the information included in the first detailed data. The second server determines the information included in the first detailed data, and according to any one of claims 1 to 4, the transfer processing is performed between the third account data and the virtual account data. The account management system described. The third account data of the second account linked to the first account and the virtual account data of one or more virtual accounts linked to the second account by connecting to the first server and the customer's information terminal. An account management system including a second server that manages the data, and a third server that includes a first acquisition unit that acquires first detail data provided by the customer's PFM service. The second server is
A second processing unit that performs arithmetic processing using the third account data and the one or more virtual account data, and a second processing unit.
A second storage unit that stores the third account data after the calculation process and the one or more virtual account data, and
The account management system according to claim 6. The account management system according to claim 6 or 7, wherein the first detail data includes the detail information of the second account. The account management system according to any one of claims 6 to 8, wherein the second server acquires information related to the information included in the first detailed data. The second server determines the information included in the first detailed data, and according to any one of claims 6 to 9, a transfer process is performed between the third account data and the virtual account data. The account management system described. On the second server
Using the third balance information included in the third account data of the customer's second account and the virtual account balance information included in the virtual account data of one or more virtual accounts linked to the second account. Perform the second arithmetic processing,
An account management method for acquiring first detail data provided by the customer's PFM service. In the second server, the third balance information included in the third account data of the customer's second account and the virtual account balance included in the virtual account data of one or more virtual accounts linked to the second account. Perform the second arithmetic processing using the information
An account management method for acquiring first detail data provided by the customer's PFM service on a third server. The account management method according to claim 11 or 12, wherein the first detail data includes the detail information of the second account. The account management method according to any one of claims 11 to 13, wherein the second server acquires information related to the information included in the first detailed data. One of claims 11 to 14, wherein the second server determines the information included in the first detailed data and executes a transfer process between the third account data and the virtual account data. Account management method described in. A program that executes the account management method according to any one of claims 11 to 15. Includes an analysis unit, which generates recommendation information including content related to the detailed information of the second account associated with the customer's first account.
The recommendation information is an information providing system transmitted to the customer's information terminal. The information providing system according to claim 17, wherein the analysis unit generates the recommendation information from the purchase history included in the detailed information. The information providing system according to claim 17, wherein the content is information related to the name of the virtual account associated with the second account. The information providing system according to claim 17, wherein the content is information related to the operation of the balance of the second account. The acquisition department that acquires the detailed information of the customer's account,
A learning unit that predicts the balance of the account based on the detailed information,
An information providing system including a processing unit that generates recommendation information based on the predicted balance of the account.

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