JP6001715B1 - Expense ratio estimation device and expense ratio estimation method - Google Patents

Abstract

Even in a situation where data indicating the cost and expense of goods and services purchased by a user cannot be obtained, the expense ratio of the amount used by the user is estimated. A position information acquisition unit of a household account book server acquires position information of a mobile terminal. The expense item specifying unit specifies, for each acquired position information, the expense and expense item to be paid at the facility existing at the position. The expense total sum calculation part for every expense item calculates the expense total total for each expense item which is the provisional total of the said identified expense for every said identified expense item. The total cost total cost calculation unit calculates the total cost total cost by adding the calculated total cost totals for each cost item. The expense item ratio calculation unit calculates the expense item ratio by dividing the calculated provisional cost per expense item by the calculated total expense item cost for each of the identified expense items. The output unit outputs data indicating the calculated expense item ratio. [Selection] Figure 3

Description

  The present invention relates to a technique for estimating an expense ratio of a usage amount.

  Conventionally, a technique for creating a household account book using POS (Point of Sale) data is known. For example, in Patent Document 1, a barcode printed on a receipt is read to access a POS server, and data such as a product name and purchase price printed on the receipt is acquired and input to household account book software. Is disclosed. Further, in Patent Document 2, POS information managed by a retail store is collected by a central management system, and data is processed and managed as individual consumer purchase information, so that consumers can use it to create their own household accounts. A technique that can be performed is disclosed.

JP 2005-115439 A JP 2011-134052 A

  However, in the above-described conventional technology, in the case of shopping at a POS terminal that does not support reading of a member ID or a register that is not a POS terminal, the consumer cannot use the purchase data. Therefore, for purchases made at such a register, the purchase amount is unclear, and the consumer cannot even know the expense ratio of that amount.

  The present invention has been made in view of such circumstances, and even in a situation where it is impossible to obtain data indicating the cost or expense of goods or services purchased by a user, The purpose is to estimate.

In order to solve the above-described problems, the present invention provides a position information acquisition unit that acquires position information of a mobile terminal, and the date and time when the mobile terminal exists at the position indicated by the position information for each of the acquired position information. The date and time information acquisition unit for acquiring date and time information indicating the location, the facility specifying unit for specifying the facility existing at the position indicated by the position information for each of the acquired position information, and the location information by the facility specifying unit A keyword for extracting a keyword from schedule information or comments associated with the date and time information acquired by the date and time information acquisition unit for the one position information in the first table when a plurality of facilities are specified for an extraction unit, and the expense item information acquisition unit that acquires expenses information associated with the extracted keyword from the second table, which is the acquired For each location information, the cost expenses that based on average costs and expenses to be paid to the time zone corresponding to the acquired time information in the facility at the position indicated by the position information, identifying the costs and expenses For each identified expense item, for each identified expense item, a provisional cost total calculation unit for each expense item that calculates a provisional total cost per expense item that is a provisional total of the identified expenses; Total cost total cost calculation unit that calculates total cost total cost by adding together, and for each identified cost item, the calculated total cost per cost item is divided by the calculated total cost total cost. and expenses ratio calculating section for calculating a expenses ratio by, and an output unit for outputting data indicating the expenses ratio the calculated, the cost expense item identification unit pair to the one of the position information by the facility identification unit When a plurality of facilities are identified, the expense to be paid in the time zone corresponding to the acquired date and time information in the facility associated with the acquired expense item information in the third table, and There is provided an expense ratio estimation device characterized by specifying an expense indicated in acquired expense information .

  In a preferred aspect, an amount information acquisition unit that acquires amount information indicating an amount for which a breakdown of usage is estimated, and the amount calculated in the amount indicated in the acquired amount information for each identified expense item A cost book total calculation unit for calculating a cost book total by cost item by multiplying by the cost item ratio, and the output unit further outputs data indicating the calculated cost book total by cost item Good.

  In a further preferred aspect, for each of the acquired position information, a stay time specifying unit that specifies a stay time indicating a time at which the mobile terminal stays at a facility located at the position indicated by the position information is further provided, and the cost The expense item specifying unit specifies, for the acquired position information, an expense and an expense item to be paid at a facility existing at the position indicated by the position information when the specified stay time is a predetermined time or more. May be.

  In a further preferred aspect, the cost and expense item specified by the expense item specification unit for the acquired one location information, the facility specified by the facility specification unit for the one location information, and the one location information Corresponding to the action history table creation unit that adds a record including the date and time acquired by the date and time information acquisition unit to the fourth table, the facility where the user or the mobile terminal purchased the goods or service, the date and the cost With reference to the fifth table recorded in addition, a set of facilities and date / time recorded in the fourth table is determined between a set of facilities and date / time recorded in the fifth table. If the condition is satisfied, the apparatus further includes a double counting prevention unit that deletes the record including the set of the facility and date / time recorded in the fourth table, Total calculator, for each expense item recorded in the fourth table may be calculated expenses cost per provisional sum a provisional sum of said recorded in the fourth table costs.

  In a further preferred aspect, the facility and date / time recorded in the fifth table satisfying the predetermined condition between the expense included in the record to be deleted and the facility / date / time group included in the record. A correction coefficient calculation unit that calculates a correction coefficient by comparing the cost corresponding to the set, and the cost / cost item specifying unit specifies the cost and cost item for each acquired position information The cost may be specified by multiplying the cost paid at the facility located at the position indicated by the information by the calculated correction factor.

  In a further preferred aspect, the apparatus further includes an attribute information acquisition unit that acquires attribute information indicating an attribute of the user of the mobile terminal, and the cost / cost item specifying unit specifies the cost and the cost item for each acquired position information. In addition, the expense information associated with the attribute information acquired by the attribute information acquisition unit in the sixth table may be specified.

In addition, the present invention is an expense ratio estimation method executed by an expense ratio estimation device, the step of acquiring position information of a mobile terminal, and for each of the acquired position information, at a position indicated by the position information. A step of acquiring date and time information indicating the date and time when the mobile terminal was present, a step of specifying a facility existing at the position indicated by the position information for each of the acquired position information, and one position information When a plurality of facilities are specified, a step of extracting a keyword from the schedule information or comment associated with the date and time information acquired for the one position information in the first table, and the extracted keyword acquiring expenses information attached from the second table, for each position information the acquired, in the position information Based on an average cost and expenses to be paid to the time zone corresponding to the acquired date and time information in a facility that exists at the position shown, identifying the costs and expenses, for each of the identified item of expenditure, Calculating a provisional total cost per item that is a provisional total of the identified expenses; calculating a total expense total by summing all the calculated cost provisional totals for each item; and For each cost item, calculating a cost item ratio by dividing the calculated cost item total cost by the calculated total cost item cost, and outputting data indicating the calculated cost item rate; the provided, identifying the said costs and expenses, when a plurality of facilities have been identified for the one location information, on the obtained item of expenditure information and the third table Expenses along with identifying the costs to be paid to the time zone corresponding to the acquired date and time information in a facility that is associated with have, characterized in that it is a step of identifying the expenses indicated in the obtained item of expenditure information A ratio estimation method is provided.

  According to the present invention, it is possible to estimate the expense ratio of the amount of money used by the user even in a situation where data indicating the cost or expense of goods or services purchased by the user cannot be acquired.

1 is a diagram illustrating an example of a communication system 10. It is a block diagram which shows an example of a structure of the household account book server. It is a block diagram which shows an example of a structure of the household account book server. It is a figure which shows an example of the terminal position table. It is a figure which shows an example of the facility position table. It is a figure which shows an example of the facility information table. It is a figure which shows an example of the action history table. It is a figure which shows an example of the household account book table. 3 is a block diagram illustrating an example of a configuration of a mobile terminal 2. FIG. It is a figure which shows an example of the purchase information table TBL. It is a flowchart which shows an example of an action history table creation process. It is a sequence diagram which shows an example of a expense item ratio display process. It is an example of a display screen. It is a figure which shows an example of a keyword table.

1. Embodiment 1-1. Configuration of Communication System 10 FIG. 1 is a diagram illustrating an example of a communication system 10 according to an embodiment of the present invention. As shown in the figure, the communication system 10 includes a household account book server 1, a portable terminal 2, and a POS (Point of Sale) server 3. Each device is connected to each other via a communication line 4. The communication line 4 is configured by, for example, a mobile phone network, a wireless LAN (Local Area Network), or the Internet.

1-2. Configuration of Household Account Server 1 FIGS. 2 and 3 are block diagrams showing an example of the configuration of the household account book server 1. As shown in FIGS. 2 and 3, the household account book server 1 generally includes a control unit 11, a storage unit 13, and a communication unit 15.

  The control unit 11 includes an arithmetic processing device such as a CPU (Central Processing Unit), a ROM (Read Only Memory), and a RAM (Random Access Memory). The storage unit 13 is a storage device such as a hard disk. The communication unit 15 is a communication interface such as a data communication card.

  The storage unit 13 stores a terminal location table 131, a facility location table 132, a facility information table 133, an action history table 134, and a household account book table 135.

  FIG. 4 is a diagram illustrating an example of the terminal position table 131. The terminal location table 131 is created for each mobile terminal 2 and stores location information for each mobile terminal 2 in time series. Each record constituting the terminal position table 131 is composed of fields of date, time, and coordinates.

  FIG. 5 is a diagram illustrating an example of the facility position table 132. The facility location table 132 is a table that stores facility names and location information of the facilities in association with each other. Each record constituting the facility position table 132 is composed of coordinates and facility name fields.

  FIG. 6 is a diagram illustrating an example of the facility information table 133. The facility information table 133 is a table that stores a facility name and information on the facility in association with each other. Each record constituting the facility information table 133 is composed of fields of facility name, expense item, time zone, and average cost. Here, the average cost is an average cost paid by the user of this facility.

  FIG. 7 is a diagram illustrating an example of the action history table 134. This behavior history table 134 is created for each mobile terminal 2 and stores the user's behavior history for each mobile terminal 2 in time series. Each record constituting the action history table 134 is composed of fields of date, time, coordinates, stay time, facility name, expense item, and average cost.

  FIG. 8 is a diagram illustrating an example of the household account book table 135. The household account book table 135 is created for each portable terminal 2 and stores the user's household account book data for each portable terminal 2. Each record constituting the household account book table 135 is composed of fields of date, time, facility name, expense item, product name, JAN (Japanese Article Number) code, and expense. Here, the JAN code is product identification information.

  Next, the functional configuration of the control unit 11 will be described. When the CPU of the control unit 11 executes the program, as shown in FIGS. 2 and 3, the position information table creation unit 111, the action history table creation unit 112, the household account book table creation unit 113, and the double counting Prevention unit 114, amount information acquisition unit 115, period information acquisition unit 116, cost total provisional cost calculation unit 117, total cost total calculation unit 118, cost item ratio calculation unit 119, and total cost per cost Functions of a calculation unit 120 and a graph creation unit 121 are realized.

  The location information table creation unit 111 creates the terminal location table 131. The location information table creation unit 111 includes a location information acquisition unit 1111 and a date / time information acquisition unit 1112, and the location information acquired by the location information acquisition unit 1111 and the date / time information acquired by the date / time information acquisition unit 1112. Correspondingly, it is recorded in the terminal position table 131.

  The location information acquisition unit 1111 acquires location information of the mobile terminal 2 that is transmitted from the mobile terminal 2 and received by the communication unit 15. In this embodiment, coordinate data is acquired as position information.

  The date information acquisition unit 1112 acquires date information corresponding to the position information acquired by the position information acquisition unit 1111. This date and time information indicates the date and time when the mobile terminal 2 is present at the position indicated by the position information acquired by the position information acquisition unit 1111. The date information is transmitted from the portable terminal 2 and received by the communication unit 15. In this embodiment, the date / time information indicates a date (YYYY / MM / DD) and a time (hh: mm: ss).

  The behavior history table creation unit 112 creates the behavior history table 134 with reference to the terminal location table 131 created by the location information table creation unit 111. The action history table creation unit 112 includes a facility specifying unit 1121, a stay time specifying unit 1122, and an expense / cost item specifying unit 1123, and the facility identification information specified by the facility specifying unit 1121 and the expense / item identification unit 1123. The expenses and expense items specified by the above are recorded in the action history table 134 in association with each other.

  The facility specifying unit 1121 specifies a facility that exists at the position indicated by the position information acquired by the position information acquiring unit 1111. Specifically, the facility name associated with the position information recorded in the terminal position table 131 is specified with reference to the facility position table 132.

  The stay time specifying unit 1122 specifies the stay time indicating the time when the mobile terminal 2 stayed at the facility existing at the position indicated by the position information acquired by the position information acquiring unit 1111. Specifically, the stay time is calculated based on the date / time information associated with the position information recorded in the terminal position table 131.

  The expense / cost item identification unit 1123 identifies an expense and an expense item to be paid at a facility existing at the position indicated by the position information acquired by the position information acquisition unit 1111. Specifically, the expense associated with the facility name identified by the facility identifying unit 1121 and the expense item are identified with reference to the facility information table 133. At this time, when the stay time specified by the stay time specifying unit 1122 is equal to or longer than a predetermined time, the cost / cost specifying unit 1123 specifies the cost and the cost item. Further, the expense / cost item identification unit 1123 identifies the expense and expense item to be paid at the date / time indicated by the date / time information associated with the position information recorded in the terminal position table 131.

  The household account book table creation unit 113 creates a household account book table 135. The household account book table creation unit 113 includes a POS purchase information acquisition unit 1131 and an expense item specification unit 1132, and includes the POS purchase information acquired by the POS purchase information acquisition unit 1131, the expense item specified by the expense item specification unit 1132, and Are associated and recorded in the household account book table 135.

  The POS purchase information acquisition unit 1131 acquires POS purchase information from the POS server 3. Specifically, the user ID is specified to the POS server 3 to request POS purchase information, and the POS purchase information recorded in association with the specified user ID is acquired. The POS purchase information acquisition unit 1131 periodically acquires POS purchase information.

  The expense item specifying unit 1132 converts the JAN code included in the POS purchase information acquired by the POS purchase information acquisition unit 1131 into an expense item. For example, the expense item specifying unit 1132 refers to a conversion table (not shown) for converting the JAN code to the expense item, and converts the JAN code included in the POS purchase information to the expense item.

  The double counting prevention unit 114 deletes a record that satisfies a predetermined condition with a record included in the household account book table 135 among the records included in the behavior history table 134. Specifically, a record in which the date and facility name are the same as the record in the household account book table 135 is deleted. This is to prevent double counting of expenses between the behavior history table 134 and the household account book table 135. Note that the date and the facility name do not necessarily match completely, and an error in a predetermined range may be allowed. Moreover, you may make it delete the record in which not only the date and the facility name but expense item and / or expense are common with the household account book table 135. FIG.

  The amount information acquisition unit 115 acquires amount information indicating an amount for which the breakdown of usage is estimated. In this embodiment, money information with unknown use is acquired as money amount information. Here, the unknown use money is an expense not recorded in the POS server 3 as POS purchase information among expenses paid for purchasing goods and services. The monetary amount information acquisition unit 115 acquires the unaccounted money information from the portable terminal 2 via the communication unit 15.

  The period information acquisition unit 116 acquires period information for specifying a record to be referred to in the action history table 134 in estimating the expense item ratio of the unknown usage amount acquired by the money amount information acquisition unit 115. The period information is specified in units of weeks or months, for example. The period information acquisition unit 116 acquires the period information from the mobile terminal 2 via the communication unit 15.

  The expense total total calculation unit 117 for each expense item calculates the sum of the average expenses recorded in the action history table 134 for each expense item. Here, the total of the average costs calculated for each expense item is referred to as “expense total for each expense item”. When calculating the provisional cost total for each item, the provisional cost total calculation unit 117 for each item calculates, for each item, the total average cost paid during the period indicated by the period information acquired by the period information acquisition unit 116. .

  The total cost item total calculation unit 118 calculates the total cost item total by summing all the temporary cost totals calculated by the cost item total cost calculation unit 117.

  The expense item ratio calculation unit 119 divides the expense item total cost calculated by the expense item cost total calculation unit 117 by the total item cost total calculation unit 118 by the expense item cost total calculation unit 118 for each expense item. The expense item ratio (or expense item ratio) is calculated.

  The cost total calculation unit 120 for each cost item multiplies each cost item by multiplying the unknown usage amount indicated by the unknown usage amount information acquired by the amount information acquisition unit 115 by the expense item ratio calculated by the expense item ratio calculation unit 119. Calculate the total cost for each item.

  The graph creation unit 121 includes a cost total for each item calculated by the cost total calculation unit 120 for each item, a cost item ratio calculated by the item rate calculation unit 119, and an amount information acquisition unit 115. Based on the acquired unaccounted money information, a graph indicating the expense item ratio of the unidentified amount is created. In this embodiment, a pie chart is created. Data indicating the graph created by the graph creation unit 121 is transmitted to the mobile terminal 2 by the communication unit 15. Here, the communication unit 15 is an example of an output unit that outputs graph data.

1-3. Configuration of Mobile Terminal 2 The mobile terminal 2 is a portable electronic device such as a smartphone, a mobile phone, or a tablet terminal. FIG. 9 is a block diagram illustrating an example of the configuration of the mobile terminal 2. As shown in the figure, the mobile terminal 2 includes a control unit 21, a storage unit 22, an operation unit 23, a display unit 24, a communication unit 25, and a positioning unit 26.

  The control unit 21 includes an arithmetic processing device such as a CPU, a ROM, and a RAM. The storage unit 22 is a storage device such as a flash memory or a hard disk. The operation unit 23 is, for example, a touch sensor that is arranged on the display surface of the display unit 24. The display unit 24 is a display device such as a liquid crystal display. The communication unit 25 is a communication interface such as a data communication card. The positioning unit 26 is a means for measuring the position of the mobile terminal 2. For example, the positioning unit 26 measures the position of the mobile terminal 2 using a satellite positioning system such as GPS (Global Positioning System), and obtains position information (specifically, coordinate data) representing the measured position as the positioning. Is output to the control unit 21 together with date / time information indicating the date / time at which the operation is performed.

  Next, the functional configuration of the control unit 21 will be described. When the CPU of the control unit 21 executes the program, as shown in FIG. 9, the functions of the position information acquisition unit 211, the date and time information acquisition unit 212, the amount information acquisition unit 213, and the period information acquisition unit 214 are provided. Realized.

  The position information acquisition unit 211 periodically acquires the position information of the mobile terminal 2 from the positioning unit 26.

  The date and time information acquisition unit 212 periodically acquires date and time information indicating the date and time when the position information acquired by the position information acquisition unit 211 is measured from the positioning unit 26. The location information acquired by the location information acquisition unit 211 and the date / time information acquired by the date / time information acquisition unit 212 are associated with each other and transmitted to the household account book server 1 by the communication unit 25.

  The monetary amount information acquisition unit 213 acquires unknown-use money information input by the user via the operation unit 23.

  The period information acquisition unit 214 acquires period information input by the user via the operation unit 23. The unknown use money information acquired by the money amount information acquisition unit 213 and the period information acquired by the period information acquisition unit 214 are associated with each other and transmitted to the household account book server 1 by the communication unit 25.

1-4. Configuration of POS Server 3 The POS server 3 is connected to a plurality of POS terminals installed in a store such as a supermarket or a convenience store via a network, and concentrates POS purchase information transmitted from these POS terminals. A computer device to be managed. The POS server 3 stores a purchase information table TBL in order to record the POS purchase information transmitted from the POS terminal.

  FIG. 10 is a diagram showing an example of the purchase information table TBL. In this purchase information table TBL, POS purchase information is recorded in association with the user ID. Each record constituting the purchase information table TBL is composed of fields of user ID, date, time, facility name, product name, JAN code, and cost. Here, the user ID is identification information of the user of the mobile terminal 2.

  When the POS server 3 receives a request for POS purchase information specifying a user ID from the household account book server 1, the POS server 3 extracts the POS purchase information associated with the user ID from the purchase information table TBL and sends it to the household account book server 1. To send.

1-5. Operation The operation of the communication system 10 will be described. Specifically, an action history table creation process executed in the household account book server 1 and an expense ratio display process executed by the household account book server 1 and the portable terminal 2 will be described.

1-5-1. Action History Table Creation Processing FIG. 11 is a flowchart illustrating an example of action history table creation processing. This action history table creation process refers to the movement history recorded in the terminal position table 131, estimates the name of the facility visited by the user of the mobile terminal 2, and the expense and expense paid therefor. This is processing for adding a record including information to the action history table 134. This process is executed, for example, at a predetermined time period. Alternatively, it is executed when the number of records newly added to the terminal position table 131 reaches a predetermined number.

  In step Sa <b> 1 of this process, the action history table creation unit 112 sets an initial value for the variable N. Here, the initial value set in the variable N is, for example, the number of the first record to be processed in the terminal position table 131.

  Next, the action history table creation unit 112 sets the time of the Nth record in the terminal position table 131 as the time T0, and sets the coordinates of the same record as the coordinates C0 (step Sa2).

  Next, the action history table creation unit 112 increments the variable N (step Sa3), and determines whether the variable N is an end value (step Sa4). Here, the end value is, for example, the number of the last record to be processed in the terminal position table 131. As a result of this determination, when the variable is the end value (step Sa4; YES), the action history table creation unit 112 ends this process. On the other hand, as a result of this determination, if the variable is not the end value (step Sa4; NO), the action history table creation unit 112 next executes step Sa5.

  In step Sa <b> 5, the action history table creation unit 112 specifies the coordinates C of the Nth record in the terminal position table 131. Then, it is determined whether or not the specified coordinate C is within a predetermined range from the coordinate C0 (step Sa6). In other words, the action history table creation unit 112 determines whether or not the mobile terminal 2 remains in one facility. As a result of this determination, when the specified coordinate C is within a predetermined range from the coordinate C0 (step Sa6; YES), the action history table creation unit 112 returns to step Sa3. On the other hand, as a result of this determination, when the specified coordinate C is not within the predetermined range from the coordinate C0 (step Sa6; NO), the action history table creation unit 112 next executes step Sa7.

  In step Sa <b> 7, the action history table creating unit 112 specifies the time T of the (N−1) th record in the terminal position table 131. Then, the difference D between the specified time T and time T0 is calculated (step Sa8). In other words, the action history table creation unit 112 calculates the stay time in one facility of the mobile terminal 2. Then, the action history table creation unit 112 determines whether or not the difference D is greater than or equal to the threshold value Th (step Sa9). Here, the threshold value Th is a threshold value of time that is referred to in order to determine whether the mobile terminal 2 has just passed through the facility or entered for the purpose of purchasing goods or services. Is set. If the difference D is not equal to or greater than the threshold Th as a result of this determination (step Sa9; NO), the action history table creation unit 112 skips steps Sa10 to Sa12 and then executes step Sa13. On the other hand, as a result of this determination, if the difference D is equal to or greater than the threshold Th (step Sa9; YES), the action history table creation unit 112 next executes step Sa10.

  In step Sa10, the action history table creation unit 112 refers to the facility position table 132 and identifies the facility name corresponding to the coordinate C0. At this time, even if there is a slight error between the coordinates recorded in the facility position table 132 and the coordinate C0, if the error is within a predetermined range, the action history table creation unit 112 A facility name corresponding to the coordinates may be specified. In addition, the action history table creation unit 112 refers to the facility information table 133 and identifies the expense item and the average cost corresponding to the identified facility name and time T0 (step Sa11). Then, the action history table creation unit 112 adds a new record including the specified facility name, expense item, and average cost to the action history table 134 (step Sa12). The new record added here includes the time T0, the coordinate T0, the difference D (as the stay time), and the date (the time T0 and the coordinate in the terminal position table 131) in addition to the above facility name and the like. Date associated with T0).

Next, the action history table creation unit 112 newly sets the time of the Nth record in the terminal position table 131 at time T0, and newly sets the coordinates of the same record as the coordinates C0 (step Sa13). . Then, the process returns to step Sa3.
This completes the description of the action history table creation process.

1-5-2. Expense Item Display Process FIG. 12 is a sequence diagram showing an example of the expense item ratio display process. This expense item ratio display process is a process of estimating the expense item ratio for money of unknown use input by the user of the mobile terminal 2.

  In step Sb1 of this process, the money amount information acquisition unit 213 of the portable terminal 2 acquires the unaccounted money information input by the user via the operation unit 23, and the period information acquisition unit 214 is similarly input by the user. Get period information. The communication unit 25 of the portable terminal 2 transmits the acquired information to the household account book server 1 (step Sb2).

  The money amount information acquisition unit 115 of the household account book server 1 acquires the unidentified money information transmitted from the portable terminal 2 and received by the communication unit 15, and the period information acquisition unit 116 is similarly transmitted from the portable terminal 2, The period information received by the communication unit 15 is acquired (step Sb3).

  Next, the provisional cost total calculation unit 117 for each item refers to the action history table 134, and sums the average costs paid in the period indicated by the period information acquired by the period information acquisition unit 116 (hereinafter, this processing). In the description of (1), “provisional total cost per item”) is calculated for each item (step Sb4). For example, in the behavior history table 134 shown in FIG. 7, when calculating the total average cost paid for “2015/1/6” for food expenses, the total is “1,200”.

  Next, the total expense item total calculation unit 118 calculates the total expense item total by adding all the temporary expense items calculated by the expense item total cost calculation unit 117 (step Sb5).

  Next, the expense ratio calculation unit 119 divides the provisional cost total per cost calculated by the cost total expense calculation unit 117 by the total cost total cost calculated by the total cost total calculation unit 118 by: The expense ratio is calculated for each expense item (step Sb6). For example, when the provisional cost total for each item calculated in step Sb4 is “1,200”, and the total cost total calculated in step Sb5 is “10,200”, the expense item ratio is “0.12”. It becomes.

  Next, the cost total calculation unit 120 for each item by multiplying the amount of unknown usage indicated by the amount of unknown usage information acquired by the amount information acquisition unit 115 by the cost item ratio calculated by the item of expense calculation unit 119. The total cost for each item is calculated for each item (step Sb7). For example, when the amount of usage unknown is “8,000” and the expense item ratio calculated for the food expense in step Sb6 is “0.12,” the total cost per meal expense item is “960”.

  Next, the graph creation unit 121 acquires the cost total for each cost item calculated by the cost total calculation unit 120 for each item, the cost item ratio calculated by the cost rate calculation unit 119, and the amount information acquisition. Based on the use-unknown money information acquired by the unit 115, a pie chart showing the expense ratio of the use-unknown amount is created (step Sb8). The communication unit 15 of the household account book server 1 transmits the created pie chart data to the mobile terminal 2 (step Sb9).

  The display unit 24 of the mobile terminal 2 that has received the data displays a screen showing a pie chart based on the received data (step Sb10). FIG. 13 is an example of a screen displayed by the display unit 24. As shown in the figure, the screen displayed by the display unit 24 displays a pie chart indicating the expense item ratio of the amount of unknown usage.

After transmitting the pie chart data, the household account book table creation unit 113 of the household account book server 1 stores the record information of the action history table 134 to be processed in this process in the household account book table 135 (step Sb11). Specifically, the record information of the period indicated in the period information acquired by the period information acquisition unit 116 is stored in the household account book table 135. At this time, the values of the corresponding fields in the action history table 134 are stored in the date, time, facility name, and expense fields of the records added to the household account book table 135. The cost field stores a value obtained by multiplying the value of the average cost in the action history table 134 by the value obtained by dividing the total cost per cost item of the corresponding cost by the provisional total cost per item. For example, when the information of the first record of the action history table 134 shown in FIG. 7 is added to the household account book table 135, the provisional total cost per item of food expenses is “1,200”, and the total cost per item is If it is “960”, the fields of date, time, facility name, expense item, expense will be “2015/1/6”, “8:00”, “A”, “food cost”, “320 (= 400 × 960/1200) ”is newly added to the household account book table 135.
This completes the description of the expense item ratio display process.

  According to the communication system 10 according to the present embodiment described above, even if purchase information of goods or services purchased by a user is not recorded as POS information, the amount of money used is based on the movement history of the user. Expense ratio can be estimated.

2. Modifications The above embodiment may be modified as follows. Further, the following modifications may be combined with each other.

2-1. Modification 1
In the above embodiment, when a large number of facilities are concentrated in a narrow area, the facility specifying unit 1121 may specify a plurality of facility names. In such a case, in order to narrow down the facility name, action information other than the movement history of the user of the mobile terminal 2 may be referred to. Specifically, schedule information and SNS (Social Networking Service) information may be referred to. Here, the SNS information is a comment recorded on the network by the user using the SNS and is associated with the date and time.

  When this modification is adopted, the household account book server 1 according to the above embodiment may further include a keyword table, a keyword extraction unit, and an expense item information acquisition unit.

  The keyword table is a table in which keywords extracted from schedule information or SNS information are associated with expense items related thereto. FIG. 14 is a diagram showing an example of this keyword table. Each record constituting the keyword table includes a keyword and each item of expense.

  When a plurality of facility names are specified for one piece of position information by the facility specifying unit 1121, the keyword extracting unit selects keywords recorded in the keyword table from the schedule information or SNS information of the user of the mobile terminal 2. Extract. Here, the schedule information and the SNS information may be stored in an internal table of the household account book server 1 or may be stored in an external table. The SNS information includes information provided on an external food and beverage information providing site (not shown). Moreover, when extracting a keyword, a keyword extraction part extracts a keyword from the schedule information or SNS information matched with the date information acquired by the date information acquisition part 1112 about the one positional information.

  The expense item information acquisition unit acquires expense item information (expense item) associated with the keyword extracted by the keyword extraction unit from the keyword table.

  In this case, the expense item specifying unit 1123 calculates the expense of the facility associated with the item information acquired by the item information acquiring unit and the facility information table 133 among the plurality of facility names specified by the facility specifying unit 1121. While specifying, the expense item shown by the expense item information acquired by the expense item information acquisition part is specified.

2-2. Modification 2
In the embodiment described above, the average cost recorded in the facility information table 133 is referred to in order to estimate the expense ratio of the unknown usage money. In order to make it closer, the average cost recorded in the facility information table 133 may be multiplied by a correction coefficient. The correction coefficient may be obtained, for example, by comparing expenses included in duplicate records in the action history table 134 and the household account book table 135 specified by the double counting prevention unit 114. For example, when the cost of the record recorded in the behavior history table 134 is “1000” and the cost of the record recorded in the household account book table 135 is “700”, the latter is divided by the former. A value of “0.7” may be calculated as the correction coefficient. Note that a different value may be set for the correction coefficient depending on the date and time, the facility, and the cost item.

  When this modification is adopted, the household account book server 1 according to the above embodiment may specifically further include a correction coefficient calculation unit that calculates the correction coefficient. This correction coefficient calculation unit, for example, the household account book table 135 that satisfies a predetermined condition between the expense included in the record deleted by the double counting prevention unit 114 and the facility and date / time group included in the record. The correction coefficient is calculated by comparing the facility recorded in the field and the cost corresponding to the set of date and time. The correction coefficient calculated by the correction coefficient calculation unit is multiplied by the cost specified in the facility information table 133 when the cost specification unit 1132 specifies the cost and the cost item.

2-3. Modification 3
In the above embodiment, when the expense item specifying unit 1132 specifies an expense item with reference to the facility information table 133, the specified expense item may be changed according to the attribute of the user of the mobile terminal 2. For example, when the user of the mobile terminal 2 operates a restaurant, a cost item “purchase price” may be specified instead of “food cost”. Here, the attributes are, for example, sex, age, address, occupation, income, number of households, hobbies, and the like.

  When this modification is adopted, the household account book server 1 according to the above embodiment may further include an attribute information acquisition unit that acquires attribute information of the user of the mobile terminal 2. The facility information table 133 may be created for each attribute. In this case, when the expense item specifying unit 1132 specifies the expense item and the expense, the expense item and the expense item associated with the facility name specified by the facility specifying unit 1121, the attribute information acquired by the attribute information acquisition unit, Identify associated expense and expense items. According to this modification, it is possible to bring the estimated expense item of the unknown usage money closer to the actual condition of the user of the mobile terminal 2.

2-4. Modification 4
In the above-described embodiment, the money for unknown usage information is input by the user of the mobile terminal 2 and transmitted to the household account book server 1, but the money for unknown usage may not necessarily be input by the user. For example, when the user's monthly income amount is registered in the household account book server 1 in advance, the amount information acquisition unit 115 of the household account book server 1 records the amount of income and the household account book table 135. You may make it identify the difference with the sum total of the expense of the corresponding month as an unknown use money. Alternatively, when the household account book server 1 can access the account information of the user's financial institution, expenses such as gas, water, and utility costs, and the household account book are calculated from the amount of income recorded in the account information for one month. An amount obtained by subtracting the total of the expenses for the corresponding month recorded in the table 135 may be specified as an unknown use amount. According to this modification, it is not necessary for the user to input an unknown use money each time.

2-5. Modification 5
In the screen shown in FIG. 13 described above, in addition to displaying a pie chart indicating the expense item ratio of unknown usage money, an average cost per one expenditure may be displayed for each expense item. Here, the average cost per expenditure for each expense item is the total cost book for each expense item calculated by the expense book total calculating unit 120 for each expense item. It is obtained by dividing by (within the period acquired by the acquisition unit 116).

2-6. Modification 6
In the above embodiment, the position information and date / time information of the mobile terminal 2 are periodically and automatically transmitted to the household account book server 1, but the transmission timing of these information is specified by the user of the mobile terminal 2. May be. For example, at any timing when the portable terminal 2 stays in the facility, the user of the terminal may instruct the position information and date / time information to be transmitted to the household account book server 1. At this time, if the facility specifying unit 1121 of the household account book server 1 identifies a plurality of facility name candidates for the position information transmitted to the household account book server 1, the household account book server 1 May be transmitted to the portable terminal 2 and the user of the portable terminal 2 may be asked to determine which should be recorded in the action history table 134. According to this modification, since the timing for recording information in the action history table 134 is designated by the user, it is possible to further improve the accuracy of the estimated expense item ratio of unknown usage money.

2-7. Modification 7
In the above embodiment, in order to determine whether or not a user who has stopped at a facility actually purchases goods or services, it is determined whether or not the staying time at the facility is a predetermined time or more. . However, the method for determining whether the user actually purchases goods or services is not limited to this. For example, when a user actually purchases goods or services, it may be possible to stay in one place in the facility for a predetermined time or more (especially in the case of a meal), so stay in the facility for a predetermined time or more. In addition, the behavior history table creation unit 112 may add a new record to the behavior history table 134 when the user stays in an arbitrary area of a predetermined size in the facility for a predetermined time or longer.

2-8. Modification 8
In the above-described embodiment, as a result of the expense item ratio display process, a pie chart showing the expense item ratio of unknown use money is displayed on the mobile terminal 2, but in addition to or instead of this, it is recorded in the household account book table 135. You may make it display the pie chart which shows the expense item ratio of the expenditure which has been on the portable terminal 2. FIG. In the above embodiment, a pie chart is adopted as a method for presenting the expense item ratio, but the format of the graph is not limited to this, and other graph formats may be adopted. Moreover, it may be presented in a list format instead of a graph.

2-9. Modification 9
In the above embodiment, the positioning unit 26 of the mobile terminal 2 measures the position of the mobile terminal 2 using a satellite positioning system, but the positioning method is not limited to this. For example, the positioning unit 26 may generate position information by three-point positioning based on identification information and radio wave intensity received from a plurality of wireless access points, or position information by three-point positioning only at the departure point. Then, the position information may be generated by autonomous navigation using an acceleration sensor and a gyro sensor. Alternatively, the positioning unit 26 is a positioning system using electronic signs such as a pseudo-satellite GPS (Global Positioning System) (GPS light), a GPS repeater, IMES (Indoor Messaging System), QR code (registered trademark), and an electronic tag. The position information may be generated by using it. Alternatively, the position information may be generated using sound waves such as ultrasonic waves, light such as visible light or infrared light, or BLE (Bluetooth (registered trademark) Low Energy).

  In the above embodiment, the position information is transmitted directly from the portable terminal 2 to the household account book server 1. The household account book server 1 is a database in which the position information of the portable terminal 2 is accumulated in time series. The position information of the terminal may be acquired from the above.

2-10. Modification 10
In the above embodiment, the facility position table 132 and the facility information table 133 are created as separate tables, but they may be merged. Specifically, a column of coordinate data may be added to the facility information table 133. In this case, the expense / cost item identification unit 1123 of the household account book server 1 acquires the location information rather than identifying the expense and the expense associated with the facility name identified by the facility identification unit 1121 in the facility information table 133. You may make it identify the expense and expense item matched with the positional information acquired by the part 1111. FIG.

2-11. Modification 11
In the above embodiment, five tables including the terminal position table 131 are recorded in the storage unit 13 of the household account book server 1, but these tables are not necessarily recorded in the household account book server 1. . These tables may be recorded in other devices as long as they are accessible from the household account book server 1.

2-12. Modification 12
In the above embodiment, the action history table creation unit 112 periodically adds records to the action history table 134, but the update timing of the action history table 134 does not necessarily need to be regular. For example, the behavior history table 134 may be updated for the period indicated by the input period information only after receiving an instruction to display the expense item ratio of unknown usage money by the user of the mobile terminal 2.

2-13. Modification 13
In the above embodiment, the household account book table 135 is created with reference to the POS purchase information acquired from the POS server 3, but the information that can specify the purchase information of the user of the mobile terminal 2 is limited to the POS information. Absent. For example, the household account book table 135 may be created with reference to purchase information generated along with electronic money payment, credit card payment, or debit card payment.

2-14. Modification 14
In the above embodiment, the program executed in the household account book server 1 or the portable terminal 2 may be provided via a recording medium readable by the computer device. Here, the recording medium is, for example, a magnetic recording medium such as a magnetic tape or a magnetic disk, an optical recording medium such as an optical disk, a magneto-optical recording medium, or a semiconductor memory. The program may be distributed via a network such as the Internet.

DESCRIPTION OF SYMBOLS 1 ... Household account book server, 2 ... Portable terminal, 3 ... POS server, 4 ... Communication line, 10 ... Communication system, 11 ... Control part, 13 ... Memory | storage part, 15 ... Communication part, 21 ... Control part, 22 ... Memory | storage part , 23 ... operation section, 24 ... display section, 25 ... communication section, 26 ... positioning section, 111 ... position information table creation section, 112 ... action history table creation section, 113 ... household account book table creation section, 114 ... double counting Prevention unit, 115 ... Amount information acquisition unit, 116 ... Period information acquisition unit, 117 ... Expense provisional total calculation unit for each item, 118 ... Total cost item calculation unit, 119 ... Cost item rate calculation unit, 120 ... Total cost for each item Calculation unit, 121 ... graph creation unit, 131 ... terminal position table, 132 ... facility position table, 133 ... facility information table, 134 ... action history table, 135 ... household account book table, 211 ... position information acquisition unit 212 ... Date information acquisition unit, 213 ... Amount information acquisition unit, 214 ... Period information acquisition unit, 1111 ... Location information acquisition unit, 1112 ... Date information acquisition unit, 1121 ... Facility identification unit, 1122 ... Stay time identification unit, 1123 ... Expense item specifying unit, 1131... POS purchase information acquisition unit, 1132.

Claims (7)

A location information acquisition unit that acquires location information of the mobile terminal;
Date and time information acquisition unit for acquiring date and time information indicating the date and time when the mobile terminal was present at the position indicated by the position information for each of the acquired position information;
For each of the acquired position information, a facility specifying unit that specifies a facility that exists at the position indicated by the position information;
When a plurality of facilities are specified for one location information by the facility specifying unit, the schedule associated with the date and time information acquired by the date and time information acquisition unit for the one location information in the first table A keyword extractor for extracting keywords from information or comments;
An expense item information obtaining unit for obtaining expense item information associated with the extracted keyword from a second table;
For each of the acquired location information, based on the average cost and cost paid in the time zone corresponding to the acquired date and time information in the facility existing at the position indicated by the location information , the cost and the cost item Expense and cost item identification part to be identified,
For each identified expense item, a provisional cost total calculation unit for each expense item that calculates a provisional cost-per-cost total that is a provisional total of the identified expenses;
A total cost total calculation unit for calculating the total cost of all items by adding up the calculated total costs for each cost item;
For each identified expense item, an expense ratio calculation unit that calculates the expense item ratio by dividing the calculated expense item total cost by the calculated total expense item total,
An output unit for outputting data indicating the calculated expense item ratio ,
The expense item specifying unit is configured to acquire the information in a facility associated with the acquired item information in a third table when a plurality of facilities are specified for the one position information by the facility specifying unit. The expense to be paid in the time zone corresponding to the date and time information made is specified, and the expense shown in the acquired expense item information is specified
An expense ratio estimation apparatus characterized by the above . Amount information acquisition unit for acquiring amount information indicating an amount for which a breakdown of usage is estimated,
A cost total calculation unit for each cost item that calculates a total cost per cost item by multiplying the calculated cost item ratio by the amount indicated in the acquired amount information for each identified cost item, and
The cost item ratio estimation apparatus according to claim 1, wherein the output unit further outputs data indicating the calculated cost total for each cost item. For each of the acquired location information, further comprising a stay time specifying unit for specifying a stay time indicating a time at which the mobile terminal stays at a facility present at the position indicated by the position information,
The cost and cost item specifying unit, for the acquired location information, when the specified stay time is equal to or longer than a predetermined time, the cost and cost item to be paid at the facility located at the location indicated by the location information The expense item ratio estimation device according to claim 1 or 2, characterized by specifying. The cost and expense item specified by the expense item specification unit for the acquired one location information, the facility specified by the facility specification unit for the one location information, and the date and time information acquisition for the one location information An action history table creating unit for adding a record including the date and time acquired by the unit to the fourth table;
With reference to the fifth table in which the facility, date, and cost at which the product or service is purchased by the user of the mobile terminal is recorded in association with each other, the set of the facility, date, and time recorded in the fourth table When a predetermined condition is satisfied between the facility and date / time group recorded in the fifth table, the record including the facility / date / time group recorded in the fourth table is deleted. A double counting prevention unit,
The cost temporary total calculation unit for each cost item calculates, for each cost item recorded in the fourth table, a temporary cost total for each cost item that is a temporary total of the costs recorded in the fourth table. Item cost estimation apparatus according to Item 1 . Expense corresponding to the combination of the facility and date / time recorded in the fifth table, which satisfies the predetermined condition between the expense included in the record to be deleted and the facility / date / time pair included in the record And a correction coefficient calculation unit that calculates a correction coefficient by comparing
When the cost and cost item specifying unit specifies a cost and a cost item for each of the acquired location information, the cost and cost specification unit multiplies the cost to be paid in a facility existing at the location indicated by the location information by the calculated correction coefficient. The expense item ratio estimation apparatus according to claim 4 , wherein the expense is specified by: An attribute information acquisition unit that acquires attribute information indicating an attribute of the user of the mobile terminal;
The cost / cost item specifying unit specifies a cost item associated with the attribute information acquired by the attribute information acquiring unit in the sixth table when specifying the cost and the cost item for each of the acquired position information. The expense item ratio estimation apparatus according to any one of claims 1 to 5 , wherein: An expense ratio estimation method executed by an expense ratio estimation device,
Obtaining location information of the mobile device;
Obtaining date and time information indicating the date and time when the mobile terminal was present at the position indicated by the position information for each of the acquired position information;
For each of the acquired location information, identifying a facility that exists at the location indicated by the location information;
Extracting a keyword from schedule information or a comment associated with the date and time information acquired for the one position information and the first table when a plurality of facilities are specified for the one position information;
Acquiring expense item information associated with the extracted keyword from a second table;
For each of the acquired location information, based on the average cost and cost paid in the time zone corresponding to the acquired date and time information in the facility existing at the position indicated by the location information , the cost and the cost item Identifying steps;
For each identified expense item, calculating a provisional expense total per expense item that is a provisional total of the identified expense;
Calculating the total cost of all items by adding up the calculated total costs of each item of costs,
For each identified expense item, calculating the expense item ratio by dividing the calculated expense item total expense item by the calculated total expense item sum;
Outputting data indicating the calculated expense item ratio , and
The step of specifying the cost and the cost item is acquired at the facility associated with the acquired cost item information and the third table when a plurality of facilities are specified with respect to the one position information. Specifying the expense to be paid in the time zone corresponding to the date and time information and specifying the expense indicated in the acquired expense item information
An expense ratio estimation method characterized by the above .

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