JP3352575B2 - Electronic household account book - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic household account book which records household expenses using a computer or the like.

[0002]

2. Description of the Related Art In the prior art of claim 1 and claim 2, there is already an electronic household account book for managing gifts, but a gift input screen is started from a menu different from a normal household data input screen. I was doing input. Gifts may be money, such as congratulatory money, or may be goods, such as mid-year gifts or year-end gifts.However, when money is given or received, it is a normal income or expenditure. The input was done on the input screen and also on the gift input screen. When an item was received, the item was entered on a gift input screen activated from another menu.

In the prior art of claim 3, there has been no means for managing a cash voucher such as a gift certificate or a prepaid card having the same value as cash in an electronic household account book. For this reason, a voucher is not managed or the balance of the voucher is entered in a notebook or the like and managed.

[0004] In the prior art in claim 4, there are many electronic household accounts that can be set for automatic transfer to be paid from an account of a bank or the like, but the transfer data is reflected on the household date on the transfer date. .

[0005] In the prior art in claims 5 to 7,
Similar to the prior art in claim 4, in the electronic household account book
Is an automatic transfer that can be set up to pay from a bank account
Now, the transfer data is reflected in household data on the transfer date.
Was.

[0006]

SUMMARY OF THE INVENTION Claims 1 and 2
So, gifts can be monetary, like congratulatory money, or gifts, like Nakamoto or year-end gifts. If an article is received, it is not necessary to reflect it on household data, so it is only necessary to input it on the gift input screen. However, if money is given or received, it will be a normal income or expenditure, so input on the household data input screen. However, to reflect it in the gift record,
It was necessary to input the same data on the gift input screen, which was troublesome twice. Similarly, even when giving an article, there is a problem that the purchase of the article must be recorded as expenditure in household data and entered as a gift on the gift input screen, which is troublesome.

[0007] In claim 3, since it is not possible to manage the cash vouchers, it is not known how many cash vouchers are at hand, and the money vouchers are not used and are stored and wasted. Also, if you pay with a voucher that can be used for multiple purposes, there are many types of household accounts to pay, but since you do not use cash or an account of a bank etc., if you enter it as household data, the cash or account balance will not match and it will be used as household data. I cannot enter. For this reason, there was a problem that it was not reflected in the analysis of income expenditure for each household subject. Moreover, the balance of the cash voucher during use was not known.

In claim 4, since the transfer data is reflected in the household data on the transfer date, even if the household data is input to the electronic household account book, it is not known how much the account balance will be unless the transfer date is reached. Was. Alternatively, it is necessary to calculate the current account balance and the transfer schedule with a calculator or the like and check whether the account balance is insufficient. Recently, as the types and number of automatic transfers have increased, the balance of the account tends to be unclear, and there has been a problem that a shortage of the account balance on the transfer date has resulted in a reminder that transfer is impossible. In order to prevent this, a method was used in which a large amount of money was always kept in the account so as not to run short of the transfer amount, but there was a problem that the money could not be used effectively.

[0009] Claims 5 to 7 are also similar to claim 4.
There was a problem.

The present invention has been made to solve such a problem. Claims 1 and 2 facilitate input of gifts and money for managing gifts and money. The purpose is to eliminate double data entry and make it easier to manage gifts. In claim 3, it is possible to input a voucher data such as a gift certificate or a prepaid card in a household account book, manage the voucher so that the details of the expenditure by the voucher and the balance of the voucher can be understood, and prevent the withdrawal of the voucher. It is intended to be used effectively. Claims 4 to 7
In order to prevent automatic transfer due to insufficient account balance,
Prevent the above account from being deposited and use the funds effectively
It is an object.

[0011]

According to the first aspect of the present invention, the household account and the amount of income and expenditure are input and the household data is recorded, and the income and expenditure amount, cash balance, and account balance of a bank and the like for each household account are totaled. In the electronic household account book, the household account for recording gift income and gift expenditure is included, and the income and expenditure item storage means for storing the household account of income and expenditure, and the household account and the amount selected from the household account are stored. Household data input means for inputting and creating household data; and when the household data has gift income and gift expenditure household subjects stored by the income and expenditure subject storage means, enter a gift recipient and enter the household data. And a gift receiving party input means for recording in the household data, when the household data has a household income subject and a gift expenditure, specifying that the type of household data is goods or cash, and Article specifying means for recording the data, the household data, the household data totaling means for calculating cash and account balance except for the household data designated as an article by the article specifying means, and the household data. A gift data search means for searching for household data having a household subject of gift income and gift expenditure, and creating gift progress list data for each gift partner input by the gift partner input means.

According to a second aspect of the present invention, there is provided an electronic household account book for inputting household items and amounts of income and expenditure, recording household data, and totaling income and expenditure amounts, cash balances, and account balances of banks and the like for each household item. Household data input means for inputting income or expenditure household items and amounts to create household data, gift giving party storage means for storing gift giving parties who have given money or goods, and the household data input means. Gift receiving party selecting means for selecting a gift receiving party stored by the gift receiving party storing means and recording the same in the household budget data when inputting a household gift data of a money gift or an expenditure for giving a gift; Gift data input means for selecting a gift partner stored by the gift partner storage means and creating article gift data; the household data and the article gift data; Locate and, said creating a gift elapsed list data by gift counterpart stored by gift opponent storage means, characterized by comprising a gift list data creation means.

According to a third aspect of the present invention, there is provided an electronic household account book for inputting household items and amounts of income and expenditure, recording household data, and totaling income and expenditure amounts, cash balances, and account balances of banks and the like for each household item. A voucher balance storage means for storing the type of voucher and the balance of the voucher such as a gift certificate and a prepaid card, a household data input means for inputting a household subject and an amount to create household data, and the household data input. When the household data input by the means is the purchase of a voucher or the expenditure by the voucher, the voucher selecting means for selecting the type of voucher stored by the voucher balance storage means and recording it in the household data, and the household data input. In the household data input by the means, except for the household data designated as a voucher by the voucher selecting means, a household totaling means for calculating cash and account balance, Serial by cash voucher selection means aggregates the household data designated as cash voucher, and comprising the cash voucher balance summary means for calculating the balance of the cash voucher for each type of cash voucher.

According to a fourth aspect of the present invention, there is provided an electronic household account book for inputting household items and amounts of income and expenditure and recording household data, and summing up income and expenditure amount, cash balance, and account balance of banks and the like for each household item. Account balance that stores the current account balance of banks etc.
And high storage means, transfer date, transfer amount of money for the payment by automatic transfer, and the transfer data storage means for storing the transfer account, the
When the transfer stored in the transfer data storage means is settled
The account balance stored in the account balance storage means
Check account balance in advance to see if it can be processed
Payment means and account balance checking means.
When it is determined that there is no account balance, a message display means for displaying a warning message of insufficient account balance is provided.

[0015] Claims 5 to 7 are basically claims 4
It is the same as that of claim 5, and claims 5
Balance storage means for storing the account balance and the lower limit of the account
And the transfer date, transfer amount,
Transfer data storage means for storing a transfer account;
When the transfer stored in the data storage means is performed,
Account balance stored in the account balance storage means
Check account balance in advance to see if it is less than
Checking means and account balance checking means.
If it is determined that the amount is less than the limit,
Message display means for displaying notification messages
And features. In claim 6, the current account balance of a bank etc.
Account balance storage means to store the amount and payment by automatic transfer
Transfer date, transfer amount, and transfer account for
Data storage means and the period for checking account balance in advance
Pre-period storage means for storing the transfer data;
Of the transfer data stored in the storage means,
The vibration generated during the period stored by the period storage means
Is stored in the account balance storage means when the payment is settled.
Check in advance whether your account balance can be processed
Account balance checking means, and the account balance checking means
Therefore, if it is determined that settlement is not possible, account balance is insufficient
Message display means for displaying the warning message
It is characterized by having. In claim 7, the current account of the bank etc.
Account balance storage means for storing the balance and the lower limit of the account;
Transfer date, transfer amount, transfer account for payment by dynamic transfer
Transfer data storage means for storing the balance of the account in advance
Prior period storage means for storing the period to be checked
And transfer data stored in the transfer data storage means.
Data stored in the prior period storage means.
Account balance when the transfer that occurs during the
Account balance stored by storage means is the account lower limit
Account balance check to check in advance
Account means and account balance checking means.
If it is determined that the amount is less than the limit,
Message display means for displaying notification messages
And features.

[0016]

According to the first aspect, when a gift for an article is input on the household data input screen, the gift partner and the article are designated by an input operation, and the article and the gift partner are recorded in the household data. In normal household account book summation, by excluding household data for goods in the tabulation process and summing up, money can be correctly summed up and gift list data can be output using the key to the gift recipient from the household data. By performing the tallying, gift progress data is created for each gift recipient.

According to the second aspect of the present invention, a common gift-giving party is provided as data for the household data input and the gift data input, and a gift relating to money is input together with the gift-giving party on the household data input screen and recorded in the household data. The gift of the article is entered together with the gift recipient on the gift data input screen and recorded in the gift data.
When outputting the gift list data, the gift history data is created for each gift partner by totalizing the gift partner with the key from both the household data and the gift data.

According to a third aspect of the present invention, the user has an account for managing the balance of a voucher such as a gift certificate or a prepaid card, and when the voucher is designated on the household data input screen, the type of the voucher is recorded in the household data. Keep it. In the process of tallying the account balance of cash, a bank, and the like, tallying is performed excluding household data in which the type of voucher is recorded in the household data. When the balance of the voucher is totaled, the balance for each voucher data is obtained by totaling the household data in which the type of the voucher is recorded in the household data.

According to claim 4, automatic transfer from an account of a bank or the like is performed.
When transfer is made for transfer data paid by
Calculate the account balance of the bank etc. in advance to determine whether settlement is possible
Check and display a warning message if payment is not possible
You.

[0020] Claims 5 to 7 are also the same as claim 4.
, Transfer data paid by automatic transfer from an account of a bank, etc.
Account balances at the time of transfer
Check in advance to see if payment is possible
If so, display a warning message.

[0021]

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing a first embodiment of the present invention; FIG. FIG. 1 is a functional block diagram of the first embodiment. CPU1, a microprocessor for controlling the entire electronic household account book; main memory 2, for storing and processing programs and data; CRT, a display device for displaying characters and amounts of money
3. A mouse 4 which is a pointing device for activating a program or designating an input area by placing a cursor on a character or icon on the CRT 3 and clicking a button, and an input device for inputting characters or numbers. It comprises a keyboard 5 and an HDD 6 which is an auxiliary storage device for storing programs and data. This is the same configuration as a commercially available personal computer or the like.

The main memory 2 stores processing programs and data, which are main parts for realizing the first aspect. A household input unit 11 for inputting a household subject, a subject breakdown, an amount, and the like from a keyboard and registering the same as household data, and when the input household data is a gift, a partner input processing unit 12 for inputting a gift recipient. When the household data to be given is a gift item, an article designation processing unit 13 for designating and recording that the article is an article. From the input household data, the cash and account balance, and the balance and total for each household account are calculated. It includes a household tally processing unit 14 for calculating, and a search list processing unit 15 for searching for household data related to a gift from the household data and creating and outputting data on the progress of the gift. It is composed of household account data 16 in which household data to be inputted is stored, and subject data 17 in which household subjects referred to by the respective processing units are stored.

In the first aspect, the means for storing the income and expenditure items is the subject data 17, the household data input means is the household input processing section 11, and the gift receiving partner input means is the partner input processing section 12.
In addition, the article designation means corresponds to the article designation processing unit 13, the household accounting means corresponds to the household accounting processing unit 14, and the gift data search means corresponds to the search list processing unit 15.

FIG. 2 shows a CRT by the household input processing unit 11.
3, a household data input screen 20 for inputting household data from the keyboard 5, and a search list processing unit 15
Is an example of a gift list 32 of a gift recipient of Mr. Suzuki. In the household data input screen 20, one line represents one household data, an input area 21 for inputting a date, an input area 22 for inputting a household subject of the household data, an input area 23 for inputting a breakdown of a subject or a gift-giving partner, and an income. And an input area 24 for inputting the amount of expenditure, an input area 25 for specifying whether the item is an article, and an input area 26 for inputting remarks. The input line 27 is an example in which food expenses are input.
The input lines 28 to 31 are examples of inputting a gift, which is a feature of the invention of claim 1. In each case, the household account is "gift (received)" or "gift (gift)" which is a gift income subject. ing. Input line 28 is the household data that received the cash of the gift from Suzuki as a gift for childbirth on February 12, and input line 2
9 is the household data that received a gift of goods from Mr. Tanaka on February 15 as a gift for childbirth.
0 is the household data sent to Suzuki on March 2 as a gift. The input line 31 is household data in which cash was given to Mr. Tanaka on March 2 as a gift. As described here, a gift can be input on the same input screen as ordinary household data, such as the household data input screen 20.

The gift list 32 is an example in which the progress of a gift made with Mr. Suzuki is output from the household data stored in the household account data 16. An area, a type area indicating cash or an article, a deposit area indicating an equivalent amount of money for a deposit or an article, a payout area indicating a corresponding amount of money for an expenditure amount or an article, and a remark area. For example, the display line 33 outputs the input line 28 of the household data input screen 20 to the gift list, and indicates that 5000 yen was received in cash on February 12, 1995 as a childbirth celebration. The input line 30 is output.
This means that a gift of 0 yen was given in return for the birth celebration. When the difference between the sum of the deposit amount area and the sum of the withdrawal area is calculated, the gift balance with the other party can be known. From such a list, not only the money but also the gift presentation of the article can be known.

FIG. 3 is a diagram showing a data structure of the household account book data 16, and one record corresponds to one household data. Each record contains the date, household account, breakdown of the item, amount,
It is composed of a flag indicating whether or not it is an article and remarks, and has the same structure as the screen of the household data input screen 20.
For example, the record 36 is household data corresponding to the input line 28, the record 37 corresponds to the input line 29, the record 38 corresponds to the input line 30, and the record 39 corresponds to the input line 31.

FIGS. 4 to 6 are flowcharts of the processing in this embodiment. Fig. 4 shows the household data input screen 2
0 is a flowchart of an input process for inputting household data at 0, a household input processing unit 11, a partner input processing unit 1
2. Includes an article designation processing unit 13. FIG. 5 is a flowchart of a tallying process for calculating a total, a cash balance, and an account balance for each household item from the household account data 16, and corresponds to the household tally processing unit 14. FIG. 6 is a flowchart for outputting a gift list 32 for each gift partner from the household account data 16 and corresponds to the search list processing unit 15. The embodiment of claim 1 will be specifically described with reference to these flowcharts.

In the flowchart of FIG. 4, S5 and S6 are the partner input processing unit 12, S9 is the article designation processing unit 13, and S5
S2 to S12 excluding 5, S6, and S9 correspond to the household input processing unit 11. When the household input processing unit 11 of the electronic household account book is started, an input screen as shown in S1: household data input screen 20 is displayed on the CRT 3. S3: The date of the household data is input from the keyboard 5 to the input area 21. S4:
A household subject is input to the input area 22 based on the subject data 17. S5: The household account input in S4 is a gift income item,
Or, in the case of a gift expenditure subject, for example, a household data input screen 2
In the household data of the input line 28 of 0, the process branches to S5Y, and the process branches to another income or expenditure item, for example, S5N in the case of the input line 27. When the flow branches to S5Y, S6: The gift recipient is input from the keyboard 5 to the input area 23. When branching to S5N, the data is ordinary household data, so S7: Breakdown of the subject is input to the input area 23. S8: The amount of income, the amount of expenditure, or, in the case of a gift item, the corresponding amount is input to the input area 24. S9: Inputting into the input area 25 whether the input household data is money income expenditure or an article. S
10: Input the remarks into the input area 26. S11: One record of the input household data is recorded in the household account data 16. S12: If the input of the household data is not completed, the flow branches to S12N and is input again from S3. If the input is completed, the process branches to S12Y, and the input of household data is completed. By this processing, the household data of ordinary money income and expenditure becomes the household account data 1
6 and the gift data of the goods were also recorded in the household account data 16.

FIG. 5 is a flowchart of the household accounting processing section 14. When the electronic household accounting processing is started, S2 is executed.
1: One record of household data is extracted from the household account data 16. S22: If the article flag of the extracted household data record is an article (an example of the record 39), S2
Branch to 2Y and do not calculate balance. S2 except for goods
Branching to 2N, S24: Cash balance and account balance are calculated from the amount of household data record. S25: If the household data in the household account data 16 is not completed, the process branches to S25N and repeats from S21. If household data is completed, S25
Branching to Y, S26: storing the cash balance and the account balance, and terminating the counting process. As a result, the cash balance and the account balance could be calculated except for the household data of the articles in the household account data 16.

FIG. 6 is a flowchart of the search list processing unit 15. When the gift list of the electronic household account book is activated, S4 is executed.
1: Keyboard 5 to send the gift list data
Enter from. S42: One record of household data is extracted from the household account data 16. S43: It is determined whether the taken out household data record is a household account subject of a gift or a household account other than a gift, and if it is a household account subject of a gift, the process branches to S43Y. For ordinary household subjects that are not gifts, the process branches to S43N. Here, the data branched to S43Y includes record 3
Cash expenditure for a "gift (gift)" such as 9; cash receipt for a "gift (receive)" such as record 36;
The "gift (gift)" such as the record 38 is a gift of an article already at hand, and the "gift (receive)" such as the record 37 is a receipt of an article. S44: The gift partner is extracted from the household data record, and it is determined whether or not the gift partner matches the gift partner input in S41.
The process branches to N, and when they match, the process branches to S44Y. S4
5: Calculate the gift balance. S46: The gift data is created from the one record read in S42 and the gift balance calculated in S45 and added to the gift list data. S47: It is determined whether the household data of the household account data 16 has been completed,
If not completed, the process branches to S47N and the next household data is extracted from S42. If completed, the process branches to S47Y and S4
8: The gift list data created in S46 is displayed on the CRT 3.

By these processes, gift list data for each designated gift partner can be created, and a form such as the gift list 32 can be created. As described above, according to this embodiment, a gift of an article can be input on the ordinary household data input screen 20, and the progress of giving a gift for each gift-giving party can be created.

Next, an embodiment according to claim 2 will be described in detail with reference to FIGS. FIG. 7 is a functional block diagram of the embodiment according to claim 2, wherein the CPU 1, the main memory 2, the CRT 3, the mouse 4, the keyboard 5, the HDD 6
, And the basic configuration is the same as that of FIG.

The main memory 2 stores processing programs and data which are the main parts for realizing the second aspect. Keyboard 5 for household account, subject breakdown, amount, etc.
, And a gift input processing unit 41 for inputting gift data of an article and recording it as article gift data 45;
There is a gift list data creating section 42 for creating and outputting gift list data from the input household account data 43 and the article gift data 45, and the household account data 43 in which household data is stored as a data area. Processing unit 4
0, gift input processing section 41 and gift list data creation section 42
Gift-partner data 4 in which the gift-partner is stored, which is referred to
4. Article gift data 45 in which article gift data is stored
It is composed of

It should be noted that the household data input means and the gift partner selection means in claim 2 are provided in the household input processing section 40, the gift storage section is provided in the gift data 44, the gift data input means is provided in the gift input processing section 41, and the gift input processing section 41 is provided. The list data creating means corresponds to the gift list data creating unit 42.

FIG. 8 shows the data structure of the household account data 43,
It is a figure showing the data structure of article gift data 45. One record of the household account data of the household account book data 43 includes a date, a household account, a breakdown of the household account, an amount, and a remark.
For example, the record 46 indicates that on October 23, 1995, Mr. Suzuki was given 5000 yen as a sick visit. One record of the gift data of the article gift data 45 includes a date, a flag indicating gift or reception, a gift recipient, an amount, and remarks. For example, record 47 is 1995
This means that a celebration of goods worth 2000 yen was received from Mr. Suzuki on October 28, 2008. The gift partner data 44 is one-dimensional array data in which the names of the gift partners are stored.

FIG. 9 shows a CRT by the household input processing unit 40.
3 and a household data input screen 50 for inputting household data from the keyboard 5;
This is a gift data input screen 60 displayed on the CRT 3 for inputting article gift data from the keyboard 5. In the household data input screen 50, one line represents one household data, and an input area 51 for inputting a date of the household data, an input area 52 for inputting a household account, and an input for inputting a breakdown of a household account or a gift-giving partner. It comprises an area 53, an input area 54 for inputting income and expenditure, and an input area 55 for inputting remarks. For example, input line 56 is food expenses 5
This is an example of inputting 60 yen. The input line 57 is an example in which a monetary "gift (gift)" is input, and is household data in which cash (sickness visit) was presented to Suzuki on October 23. This is normal money expenditure and is input as household data.

In the gift data input screen 60, one line represents one piece of gift data, and an input area 61 for inputting the date of the gift data and an input area 6 for inputting a gift or a receipt.
2. An input area 63 for inputting a gift recipient, an input area 64 for inputting an equivalent amount of goods, and an input area 65 for inputting remarks.
It is composed of For example, the input line 67 is an input example in which a gift of pleasure celebration was received from Suzuki on October 28 as an article, and the amount of 2,000 yen is an equivalent amount expected from the article. The input line 68 is an example in which data of an article donated to Mr. Sato on November 10 is input. In this case, the gift of the goods is inputted when the goods already at hand are given, and when the goods are purchased and given, they are inputted as ordinary household data as shown in an input line 57.

FIG. 10 is a flowchart showing the processing of the household input processing section 40. S61 to S71 except for S65 and S66 correspond to the household data input means in claim 2, and S65 and S66 correspond to the gift partner selection means. I do. S
61: The gift receiving party data 44 is read. S62: The date of the household data is input to the date input area 51. S63: The household account is input to the input area 52. S64: If the household account input in S63 is a gift income or a gift expenditure, the flow branches to S64Y; otherwise, the flow branches to S64N. S65: the gift partner data 44 read in S61
Is displayed. S66: The gift partner displayed in S65 is selected and input to the input area 53. S67: In a normal household subject, a breakdown of the subject is input to the input area 53. S68: Input the amount of expenditure or income into the amount area 54. S69: Enter the remarks in the input area 55. S70: Household data is stored in the household account data 43. For example, in household data having a household item of a gift, the record is stored as a record 46.
S71: If the input of household data is to be continued, the flow branches to S71N and is input again from S62. S7 when input is completed
Branch to 1Y and end. As a result, not only ordinary household data, but also the income of gifts, the expenditure of money for gifts, and the gift recipient were recorded.

FIG. 11 is a flowchart showing the processing of the gift input processing section 41. S81: The gift partner data 44 is read. S82: The date of the gift data is input to the input area 61. S83: Whether the gift is a gift or a receipt is selected and input to the input area 62. S84: A gift partner is selected from the gift partner data 44 read in S81 and input to the input area 63. S85: Input the amount corresponding to the price of the article into the amount input area 64. S86: The remark is input to the remark input area 65. S87: The input gift data record is stored in the article gift data 45. S88: If the input of the gift data is not completed, the process branches to S88N and S82.
Is input again. If the input is completed, the flow branches to S88Y, and the processing ends. For example, the data of the input line 67 is stored in the article gift data 45 as a record 47. By the above processing, the gift data was input and the article gift data 45 was created.

FIG. 12 is a flowchart showing the processing of the gift list data creation unit 42. S91: Select and enter a gift partner to be output from the gift partner data 44. S9
2: One record of household data is read from the household account data 43. S93: The household account of the household data read in S92 is a gift income item or a gift expenditure item, and the gift recipient is S.
If it matches with the gift partner input in 91, the flow branches to S93Y, and S94: data is added to the gift list data. S
95: It is determined whether the household data is completed, and if not completed, the process branches to S95N and repeats from S92. When the processing is completed, the flow branches to S95Y. S96: One record of the gift data is read from the article gift data 45. S97: When the gift partner matches the gift partner input in S91, S97Y
Branch to S98: add data to the gift list data. S99: It is determined whether or not the data of the article gift data 45 is completed. If the data is not completed, the process branches to S99N and repeats from S96. If the processing is completed, the process branches to S99Y, and S100:
Sort the created gift list data by date. S10
1: Output the created sorted gift list data to CRT3. This is the same form as the gift list 32 of FIG. This ends the program. As a result, the list data of the gift progress for each gift recipient can be created from the household account book data 43 and the article gift data 45.

As described above, according to this embodiment, the money gift data is displayed on the ordinary household data input screen 50.
And the gift data of the article is displayed on the gift data input screen 60.
By simply inputting with, gift list data that records the progress of gift giving for each gift recipient can be created, and there is no need to re-input a monetary gift as gift data, thereby simplifying the operation.

Next, an embodiment according to claim 3 will be described with reference to FIG.
This will be described in detail with reference to FIG. FIG.
FIG. 3 is a functional block diagram of the embodiment according to FIG. CPU1, main memory 2, CRT3, mouse 4, keyboard 5, HD
D6, and the basic configuration is the same as that of FIG.

The main memory 2 stores processing programs and data which are the main parts for realizing the third aspect. A household account input processing unit 70 for inputting a household account, an item breakdown, an amount, and the like from a keyboard and recording it as household account book data 73, and calculating a cash balance and an account balance of a bank or the like from the input household account book data 73. And a voucher balance tally unit 72 for calculating the balance of a voucher such as a gift certificate or a prepaid card from the input household account book data 73, and as a data area, the household account data 73 and the household tally Cash account balance data 74 storing the current cash balance and the account balance of a bank or the like created by the processing unit 71, and voucher account data 7 storing the type of the voucher and the voucher balance created by the voucher balance totaling processing unit 72.
5 is comprised.

In the third aspect, the voucher balance storage means is provided in the voucher account data 75; the household data input means and the voucher selection means are provided in the household input processing section 70; It corresponds to the voucher balance totaling unit 72.

FIG. 14 is a diagram showing an example of the data structure of the cash account balance data 74 and the voucher account data 75. In the cash account balance data 74, the account name and the account balance constitute one record, which is arranged in line with the number of accounts at a bank or the like. This includes cash. In the voucher account data 75, the voucher name and the voucher balance constitute one record, which is arranged in number of vouchers.

FIG. 15 shows the CR input by the household input processing unit 70.
It is a household data input screen 80 for inputting household data displayed at T3. An input area 81 for inputting a date, an input area 82 for inputting a household account, an input area 83 for inputting a breakdown of an item, an input area 84 for inputting an amount, an account such as cash or a bank, or a voucher. Input area 85 for As a sub-window, a banknote account selection window 8 for displaying candidates for selecting a banknote.
There are six.

FIG. 16 is a flowchart showing the processing of the household input processing unit 70. S116 and S117 are claim 3
And S110 to S121 excluding S116 and S117 correspond to household data input means. When the input of household data is started, S110: A household data input screen 80 is displayed on the CRT3. S111: The date of the household data is input to the input area 81. S112:
The household account is input to the input area 82. S113: The breakdown of the household account is input to the input area 83. S114: The amount is input to the input area 84. S115: When the household data being input is purchase of a voucher or payment by a voucher, S115.
Branching to Y, S116: a banknote account selection window 86 is displayed. S117: The banknote account is selected from the banknote account selection window and reflected in the input area 85. S120:
The input household data is stored in the household account data 73. S
121: If input is not completed, branch to S121N
Then, the next data is input. S if input is completed
The process branches to 121Y and ends. Through these processes, purchase of a voucher and payment data by a voucher could be input to the household account book data 73 in addition to the ordinary household data.

FIG. 17 is a flowchart showing the processing of the household tallying unit 71 and the voucher balance tallying unit 72. S12
4. S125 corresponds to the cash voucher balance totaling unit 72, and S124
Steps S122 to S129 except for S125 and S125 correspond to the household sum totaling processing unit 71. When the counting process is started, S1
22: One record of household data is read from the household account data 73. S123: If the read household data record is due to the purchase or payment of a voucher, the flow branches to S123Y to process the voucher. S124: Specify a voucher account from the household data and calculate the balance of the voucher. S125: Store the voucher balance in the voucher account data 75. In S123, for household data other than the gold family, branch to S123N,
S126: Specify cash or an account of a bank or the like from the household data and calculate the cash balance or account balance. S127: The calculated cash or account balance is stored in the cash account balance data 74. S128: Calculate the total for each household subject from the household data. S129: If the household account data 73 is not completed, the process branches to S129N and returns to S122 to process the next household data. If the household account data 73 is completed, S129.
Branch to Y and end.

Thus, the account balance of cash, bank, etc. is calculated as cash account balance data 74 from ordinary household data, and the balance of the cash voucher is calculated in the cash voucher account data 75 when a voucher is purchased or paid by a voucher. Even if a voucher is purchased or paid by a voucher, the details of the expenditure are reflected in the data of the expenditure because the content of the expenditure is tabulated for each household item. Therefore, according to this embodiment, balance management and payment management of gift certificates, prepaid cards, and the like can be performed. In this embodiment, the tabulation process (household tally processing unit 71, banknote balance tallying unit 72) is separated from the input process as shown in the flowchart of FIG. The unit 72 can also be operated. In this case, the household data input in S120 of FIG.
2 are registered, the processes from S123 to S128 are executed.
By doing so, the cash account balance data 74 and the voucher account data are updated when the household data is input, and it is not necessary to start the update process from another menu.

Next, specific embodiments according to claims 4 to 7 will be described in detail with reference to the drawings. FIG. 18 claims
It is a functional block diagram of an Example concerning 4 thru | or 7 invention. It comprises a CPU 1, a main memory 2, a CRT 3, a mouse 4, a keyboard 5, and an HDD 6, and the basic configuration is the same as that of FIG.

The main memory 2 stores processing programs and data, which are the main parts for realizing claims 4 to 7 . A display processing unit 100 for displaying a warning message when the balance of the account is insufficient, an account balance check unit 101 for checking whether the account balance is smaller than a preset lower limit, and an account balance check unit 101 As reference data, check period data 102 storing a check period, transfer data 103 storing transfer data for performing an automatic transfer from an account for payment, and a balance of an account of a bank or the like performing a transfer. It is composed of stored account balance data 104 and account lower limit data 105 storing the lower limit of the account balance of a bank or the like.

The account balance storage means according to claims 4 to 7 includes account balance data 104 and account lower limit data 105.
The transfer data storage unit corresponds to the transfer data 103, the account balance check unit corresponds to the account balance check unit 101, the pre-period storage unit corresponds to the check period data 102, and the message display unit corresponds to the display processing unit 100 and the CRT3.

FIG. 19 is an example of a warning message window displayed by the display processing unit 100. As shown in the display area 112, "October 21 AB Bank General Account runs short of XXX yen. Mortgage loan YYY yen Cannot be transferred. " After confirming the content of the message, if the button 111 is designated, the message ends.

FIG. 20 is a diagram showing an example of the structure of the transfer data 103, the account balance data 104, and the account lower limit data 105. The transfer data 103 includes a transfer date 120,
Household account 121, household account breakdown 122, amount of money 123,
Each area of the account 124 is configured. For example, the record 125 indicates that 1600 yen will be transferred from the general account of the AB Bank on the 12th of every month with the household account = utilities expenses and the breakdown = water charges. Account balance data 10
4. The account lower limit data 105 stores data in the same table, and one record includes an account name, an account balance, and an account lower limit. For example, record 126
The bank account balance is 10,000 yen, and the lower limit is -50,000
It is a circle. The lower limit of the account can be set to a negative value when the automatic financing is performed in the general account of the bank. Record 127 shows that the balance of the account of AB Bank is 1000
The yen indicates that the lower limit of the account is 0 yen.

FIG. 21 is a flowchart showing the processing of the display processing unit 100 and the account balance checking unit 101. S
148 and S149 correspond to the display processing unit 100;
S141 to S150 except for S48 and S149 correspond to the account balance check unit 101. The movement will be described in detail with reference to this flowchart and FIGS. When the household account book program is started, S141: The account balance data 104 and the account lower limit data 105 are read. S14
2: The check period data 102 is read. S143:
One record of the transfer data is read from the transfer data 103. S144: The transfer date of the read transfer data is calculated. For example, in the record 125 of the transfer data 103, the date is 12th of every month, so if today is 12th and before 12th, the transfer date is 12th of this month, if today is after 12th,
It will be the 12th of next month.

S145: It is determined whether the date obtained in S144 falls within the range of the check period data 102.
For example, if the check period data is 10 days, the period for performing the check is a date 10 days after today, and it is determined whether or not the transfer date obtained in S144 falls in that period. If it is out of the period, it branches out to 145N because it is out of the calculation target. If it is within the period, the flow branches to S145Y to perform a balance check process. S146: Calculate the account balance when the transfer is performed from the transfer data read in S143 and the current account balance. For example, in the record 125, since the account to be transferred is AB Bank General, the account balance of AB Bank is 1000 yen, and 1000-1600 = -600 yen.

S147: If the calculated account balance is less than the lower limit set in the lower limit of account 105, S147Y
Branch to S148: create a warning message. In the warning message, the date of the transfer, the account name of the bank, etc., the insufficient amount, and the contents and amount of the transfer data that cannot be transferred are edited. In the example of the record 125, when the transfer is performed, -600
Since the account minimum amount is less than 0 yen in yen, the flow branches to S147Y to create a warning message. The message in this case is "X Bank 12" AB Bank General Account "is short of 600 yen. "Public utility bills, 1,600 yen" cannot be transferred]. S149: C warning message
Display on RT3. If the account is equal to or more than the account lower limit in S147, the process branches to S147N and no warning message is created and displayed.

S150: If the transfer data of the transfer data 103 is not completed, the flow branches to S150N, and the next transfer data is read in S143. If transfer data ends, S150
Branch to Y and end. As described above, according to the present embodiment, it is possible to know in advance whether or not the transfer occurring in the period defined by the check period data 102 is transferable, and to know the shortage amount. There is no need to leave an extra balance in the account, and the funds can be used effectively. The present invention can be used not only in an electronic household account book but also in a bank book and financial accounting.

The electronic household account book has the functions shown in FIG.
It may also have. FIG. 22 is a functional block diagram of the example shown here . CPU1, main memory 2, CRT3,
It comprises a mouse 4, a keyboard 5, and an HDD 6, and the basic configuration is the same as that of FIG.

The main memory 2 stores processing programs and data which are main parts for realizing the present example . A household account input processing unit 130 for inputting the household account and the breakdown of the household account, the amount, and the like from the keyboard 5 and recording the same as household account data 134; The settlement data creation unit 131 creates settlement data, and performs settlement and reflects it in the account balance of a bank, etc.
4 includes a settlement execution processing unit 132 that performs a process of adding the data as household data, and as a data area, the household account data 134 storing the data of the household account, and the accounts payable from purchase to payment is temporarily stored. Accounts payable data 1 to be stored
35, account settlement data 136 for storing settlement data for settlement of accounts payable, and account balance data 137 for storing accounts and balances of banks and the like.

Here, the household data input means and the payment designating means are in the household input processing unit 130, the accounts payable storage means is in the accounts payable data 135, the settlement date input means and the settlement data creation means are in the settlement data creation unit 131, The settlement execution means corresponds to the settlement execution processing unit 132.

FIG. 23 shows a household data input screen 140 displayed by the household input processing unit 130 and a payment method selection window 150 for selecting a payment method. The household data input screen 140 includes an input area 143 for inputting a date of household data, a household account, a breakdown of the household account, an amount, and a payment method. For example, input line 141
Then, purchase daily necessities for 1230 yen on October 21, AB
You have entered to pay from a bank general account. In the payment method selection window 150, accounts such as cash and bank are displayed in a list, and items selected from the list are displayed in the input area 14.
3 is reflected. For example, in the row 151, it is determined that the AB bank general account has been selected, and is input to the input area 143.
The settlement date input window 152 is used for the settlement data creation unit 1.
31 is a window for inputting the payment date of the postpaid household data. For example, the input area 153 is 1
January 20 has been entered.

FIG. 24 shows the data structure of the household account data 134 and the accounts payable data 135. Household account data 1
Reference numeral 34 stores a date, a household account, a breakdown of the household account, an amount, and a payment method. The payment method is stored as cash, payment from an account of a bank or the like, or in the case of postpayment, as accounts payable. For example, in record 160, 1600 yen was paid in cash as food expenses on October 12, and record 1
In 61, 6200 yen was purchased as post-paid credit card or the like on October 12 with daily necessities, and is stored as accounts payable. This is household data, and a deposit of 6,200 yen is withdrawn from the AB Bank general account to settle accounts payable. As shown in the record 165, the payable data 135 stores the total amount of all payables in a data area of one record. Accordingly, when a plurality of purchases are made by post-payment, the total is stored in the accounts payable data 135, and when the payment is made from the account of the bank or the like on the payment day, the accounts payable data 135 decreases. Record 165
In this example, 6200 yen is stored as the accounts payable of the record 161 of the household account data 134.

FIG. 25 is a diagram showing the data structure of the accounts payable settlement data 136 and the account balance data 137. Accounts payable settlement data 136 is composed of the settlement date of one record, the account name of a bank or the like, and the settlement amount. For example, the record 170 corresponds to the record 161 of the household account data 134.
This means that 0 yen is settled. Account balance data 13
Reference numeral 7 indicates that one record is composed of an account name of a bank or the like and the current account balance, and record 172 indicates that the account balance of the AB bank general account is 150,000 yen.

[0065] Figure 26 is a flowchart showing a process of settlement data creation unit 131 and the household input processing unit 130, the house
The total data input means corresponds to S159, S160, S168 to S170, and the payment designation means corresponds to S161, S162.
The settlement date input means corresponds to S164 and S165, and the settlement data creation means corresponds to S166 and S167.

Here, the operation will be described focusing on the input row 141. When the household input processing unit 130 is activated, S
159: The household data input screen 140 is displayed on the CRT3. S160: The date of the household data in the input line 141, the household account, the breakdown of the household account, and the amount are input from the keyboard 5. S161: A payment method selection window 150 is displayed on the CRT 3 to input a payment method. S162: Select the payment method, the AB bank general account in line 151 from the displayed window and input it into the input area 143. S163:
When the payment method is payment from an account of a bank or the like other than cash, payment by credit card or lump-sum post-payment or the like is performed. Since the payment is post-payment, the process branches to S163Y. For example, since the input line 141 specifies the AB bank general account, it is postpaid and the process branches to S163Y. When purchasing with cash, the flow branches to S163N.

S164: A settlement date input window 152 for inputting a postpaid payment date is displayed. S165:
Enter the payment date. For example, the payment date of the input line 141 is input as November 20 in the input area 153. S16
6: The settlement data is created from the amount previously input in S160, the account of the bank or the like selected in S162, and the settlement date input in S165, and stored in the accounts payable settlement data 136.
The record 170 corresponding to the input line 141 is an example, and indicates that 6200 yen will be settled on November 20 from the AB bank general account. S167: Accounts payable (620
0 yen), and stores it in the accounts payable data 135. S1
68: Household data is created from the data being input on the household data input screen, and S169: added to the household account data 134. As a result, the household data corresponding to the input line 141
Record 161 has been added. S170: If the input has not been completed, the flow branches to S170N and the input is performed again from S160.
If the input is completed, the process branches to S170Y and ends. Through these processes, postpaid household data such as a credit card can be input, and does not affect cash or the balance of an account of a bank or the like. However, taking the household data 141 as an example, household items and breakdowns are input, so that expenditures and the like for each household item can be tabulated, and household analysis can be performed.

FIG. 27 is a flowchart showing the processing of the settlement execution processing unit 132. This process is started when the household account book program is started or when the balance is totaled.
Here, the description will focus on the record 170 of the accounts payable settlement data 136 created by the previous input line 141. S
180: One record is read from the accounts payable settlement data 136. S181: It is determined whether the settlement date of the read one record is today or before today, and if it is today or before today, the flow branches to S181Y. Otherwise, since the settlement date has not yet been reached, the flow branches to S181N. S182: The account balance of the bank or the like is calculated. In the record 170, 6200 yen is subtracted from the AB bank general account. S183: The settlement amount (6200 yen) is subtracted from the accounts payable data 135,
Applicable data, record 170 from accounts payable settlement data 136
Remove. S184: Create the transferred household data. S185: Add data to the household account data 134. Record 162 is the household data of the settlement actually created from record 170. S186: If the accounts payable settlement data 136 is not completed, the flow branches to S186N. If the payment data 136 is ended, the flow branches to S186Y and ends. As a result of these processes, the accounts payable is transferred from the account of the bank or the like and the postpaid payment has been made, so that the account of the bank or the like is correctly reflected.

In this example, the settlement execution processing unit 132
Was started when household data was created from the settlement data up to this day, but when the postpaid household data was entered, household data that was not reflected in the account balance of banks etc. was created and updated. A method is also possible in which the household data up to today is totaled and reflected in the account balance.

As described above, even for expenditures where the purchase date is different from the payment date, such as credit card or bonus lump-sum payment, the household data of the purchase can be input on the purchase date, and the payment can be made from the account of the bank or the like on the payment date. Since the transfer is made, it is accurately reflected in the analysis by the household account, and the balance of the account becomes accurate. Further, the present invention can be used not only in an electronic household account book but also in a cash accounting book and financial accounting.

In the above description of each embodiment, an electronic household account book has been described. However, the present invention can be realized in exactly the same manner as household account book software for a personal computer.

[0072]

As described above, in the first aspect,
Since it has household data input means, gift receiving party input means, article designating means, household accounting means, and gift data search means, it is also possible to input gift data for articles on the household data input screen. Since it is not necessary to re-register the gift of money, the operation of gift management becomes easy.

According to the second aspect, since there are provided household data input means, gift receiving party storage means, gift receiving party selection means, gift data input means, and gift list data creating means, data relating to gifts can be tabulated from household data and gift data. As a result, it is not necessary to re-register the money gift on the gift data input screen, and the operation of gift management becomes easy.

According to the third aspect of the present invention, since there are provided a voucher balance storage means, a household data input means, a voucher selection means, a household totalization means and a voucher balance totalization means, the input of the voucher data such as a gift certificate or a prepaid card is performed in the household account book. Since it is possible to input the information inside and to understand the details of the expenditure by the cash voucher, it is possible to manage the cash voucher, to prevent the retirement and to make effective use.

In the invention according to claim 4, the automatic transfer is performed.
Message is displayed in advance when the account balance is insufficient.
To prevent automatic transfer failure due to insufficient account balance
And prevent unnecessary deposits to the account,
It can be used effectively.

The inventions according to claims 5 to 7 also claim
As in 4, when the account balance is insufficient due to automatic transfer
A message will be displayed in advance, and
Automatic transfer is not possible, and more accounts than necessary
Prevents deposits and allows effective use of funds.

[Brief description of the drawings]

FIG. 1 is a functional block diagram of an embodiment according to claim 1;

FIG. 2 is a view showing a household data input screen and a gift list according to the embodiment shown in FIG. 1;

FIG. 3 is a diagram showing a data structure of household account book data 16 in the embodiment of FIG.

FIG. 4 is a flowchart of processing of a household input processing unit 11, a partner input processing unit 12, and an article designation processing unit 13 in the embodiment of FIG.

FIG. 5 is a flowchart of a process of a household tallying unit 14 of the embodiment of FIG. 1;

FIG. 6 is a flowchart of a process of a search list processing unit 15 in the embodiment of FIG.

FIG. 7 is a functional block diagram of an embodiment according to claim 2;

8 is a diagram showing a data structure of household account book data 43 and article gift data 45 in the embodiment of FIG.

9 is a diagram showing a household data input screen and a gift data input screen of the embodiment of FIG. 7;

FIG. 10 is a flowchart of a process of a household input processing unit 40 in the embodiment of FIG. 7;

FIG. 11 is a flowchart of a process of a gift input processing unit 41 of the embodiment of FIG. 7;

FIG. 12 is a flowchart of a process of a gift list data creation unit 42 according to the embodiment of FIG. 7;

FIG. 13 is a functional block diagram of the embodiment according to claim 3;

14 is a diagram showing a data structure of cash account balance data 74 and cash voucher account data 75 of the embodiment in FIG.

15 is a diagram showing a household data input screen and a banknote account selection window of the embodiment in FIG.

FIG. 16 is a flowchart of a process of a household input processing unit 70 in the embodiment of FIG.

FIG. 17 is a flowchart of a process of a household tallying unit 71 and a voucher balance tallying unit 72 of the embodiment in FIG. 13;

FIG. 18 is a functional block diagram of the embodiment according to claim 4;

FIG. 19 is a diagram illustrating an example of a message displayed by the display processing unit 100 of the embodiment in FIG. 18;

20 is a diagram showing a data structure of transfer data 103, account balance data 104, and account lower limit data 105 in the embodiment of FIG.

FIG. 21 is a flowchart of processing of the display processing unit 100 and the account balance checking unit 101 of the embodiment in FIG.

FIG. 22 is a functional block diagram of the embodiment according to claim 5;

23 is a diagram showing a household data input screen, a payment method selection window, and a settlement date input window of the embodiment in FIG.

24 is a diagram showing a data structure of household account data 134 and accounts payable data 135 in the embodiment of FIG.

25 is a diagram showing the data structures of accounts payable settlement data 136 and account balance data 137 in the embodiment of FIG.

26 is a flowchart of the processing of the household input processing unit 130 and the settlement data creation unit 131 of the embodiment in FIG.

FIG. 27 is a flowchart of a process of a settlement execution processing unit 132 in the embodiment of FIG. 22;

[Explanation of symbols]

 1: CPU 2: Main memory 3: CRT 4: Mouse 5: Keyboard 6: HDD 11: Household input processing unit 12: Other party input processing unit 13: Article designation processing unit 14: Household totalization processing unit 15: Search list processing unit 16 : Household account data 17: Subject data

Claims (7)

(57) [Claims] [Claim 1] An electronic household account book that inputs household accounts and amounts of income and expenditures, records household data, and tabulates income expenditures, cash balances, and account balances of banks and the like for each household account. Income and expenditure item storage means for storing household items of income and expenditure, and household income items for recording gift expenditure, and inputting the household income item and the amount selected from the household income items to create household income data. Household data input means for inputting, and when the household data has a household account of gift income and gift expenditure stored by the income and expenditure subject storage means, a gift partner input for inputting a gift recipient and recording the same in the household data. Means, when the household data has a household subject of gift income and gift expenditure, an article designation means for designating that the type of household data is goods or cash and recording it in the household data. , In the household data, household accounting means for calculating cash and account balance excluding household data designated as an article by the article designating means,
A gift data search unit that searches for household data having a household subject of gift income and gift expenditure from the household data and creates gift progress list data for each gift partner input by the gift partner input device; Electronic household account book. 2. The household account of income and expenditure is input and the household data is recorded, and the household data is recorded. Household data input means for inputting the expenditure household item and the amount to create household data, gift giving partner storage means for storing gift giving parties who have given gifts of money or goods, and Gift receiving party selecting means for selecting a gift partner stored by the gift receiving party storage means and recording the same in the household data when inputting the household data of a gift or expenditure for giving; Gift data input means for selecting a gift partner stored by the gift partner storage means and creating article gift data; and searching for the household data and the article gift data. An electronic household account book comprising gift list data creation means for creating gift progress list data for each gift partner stored by the gift partner storage means. 3. An electronic household account book which records household data by inputting household items and amounts of income and expenditures, and tabulating income and expenditure amounts, cash balances, and account balances of banks and the like for each household item. Balance storage means for storing the type of cash voucher and the balance of the voucher such as a prepaid card, a household data input means for creating a household data by inputting a household item and an amount, and the household data input means. When the household data to be entered is the purchase or payment of a voucher,
The voucher selection means for selecting the type of voucher stored by the voucher balance storage means and recording it in household data, and among the household data input by the household data input means, the voucher is selected by the voucher selection means. Excluding the specified household data, a household tallying means for calculating the balance of cash and account, and a voucher for calculating the balance of the voucher for each type of voucher by collecting the household data designated as the voucher by the voucher selecting means. An electronic household account book comprising a balance tallying means. 4. Enter the household subjects and the amount of income and expenditure records the household data, another revenue expenditure household subjects, cash balance, in electronic household account book to aggregate account balance such as a bank, banks, etc. Account balancer to store the current account balance of
And the transfer date, transfer amount,
And transfer data storage means for storing the transfer account, shake exchange Day
When the transfer stored in the data storage means is settled.
Can be processed with the account balance stored in the account balance storage means
Account balance checking means to check in advance whether or not
That the account balance cannot be settled by the account balance checking means.
An electronic household account book comprising message display means for displaying a warning message of insufficient account balance when it is determined . 5. Enter the household account and amount of income and expenditure
Record household data, income expenditure by household account, cash balance
In the electronic household account book that aggregates the account balances of banks, banks, etc.
To store the current account balance and the lower limit of the account of the bank, etc.
Account balance storage means and transfer for payment by automatic transfer
Transfer data storage means to store date, transfer amount, transfer account
The transfer stored in the transfer data storage means.
Account stored in the account balance storage means when
Check in advance whether the balance will be less than the account minimum
Account balance checking means to be checked,
If it is determined by the Dan to be less than the account minimum,
Message table to display warning message of insufficient account balance
An electronic household account book provided with indicating means. 6. Enter the household account and amount of income and expenditure
Record household data, income expenditure by household account, cash balance
In the electronic household account book that aggregates the account balances of banks, banks, etc.
Account balance storage device that stores the current account balance of a bank, etc.
And the transfer date, transfer amount,
A transfer data storage means for storing a transfer account;
Pre-period record to memorize the period to check the balance of
Storage means and the transfer data stored in the transfer data storage means.
Of the replacement data stored in the pre-period storage means.
Account when the transfer that occurs during the period
Can be processed with the account balance stored in the balance storage means
Account balance checking means for checking in advance whether or not
It is determined that payment cannot be made
Display a warning message when the account balance is insufficient
An electronic house having a message display means.
Account book. 7. Enter the household account and amount of income and expenditure
Record household data, income expenditure by household account, cash balance
In the electronic household account book that aggregates the account balances of banks, banks, etc.
To store the current account balance and the lower limit of the account of the bank, etc.
Account balance storage means and transfer for payment by automatic transfer
Transfer data storage means to store date, transfer amount, transfer account
And memorize the period to check the balance of the account in advance
And the transfer data storage means.
The pre-period storage means of the stored transfer data
Settled transfers that occur during the period remembered by
Sometimes the account stored by the account balance storage means
Check in advance whether the balance is below the lower limit of the account.
Means for checking account balance to be checked,
Is determined to be less than the account lower limit by
Will display a warning message that the account balance is insufficient.
An electronic household account book comprising a display means.