JP6232281B2 - Future passbook display system, display method and display program - Google Patents

Description

  The present invention relates to a display system, a display method, and a display program for an electronic passbook in a bank account.

  2. Description of the Related Art Conventionally, an electronic passbook system that allows a user to acquire transaction information of a user's bank account as electronic data instead of a paper medium passbook is known (see, for example, Patent Document 1). In addition, in the systems of financial institutions other than banks, such as credit card companies, electronic money service providers, and securities companies, the usage details information that has been conventionally notified to users via paper media can be transferred to the financial institutions via the Internet. Providing electronic data (WEB specifications) from an institution's WEB system (WEB site) is widely performed.

  The above bank account transaction information and other financial institution use details information are indispensable for users who manage their own expenditures on household accounts etc. Usage details are difficult to aggregate and process data, and are difficult to store and easy to lose. On the other hand, in order to obtain WEB details, it is necessary to log in to the WEB system of each financial institution and download the usage details data every time. It is troublesome. In addition, since the contents and format of the data of the WEB specifications are different for each financial period, the advantage that electronic data can be aggregated, processed, and analyzed is not fully utilized. For this reason, a system that automatically logs in to a WEB site of a financial institution registered by a user and collects WEB detailed data has been proposed (for example, see Patent Document 2).

JP 2007-52704 A JP 2004-133879 A

  However, detailed data can be acquired and managed even using a system such as Patent Documents 1 and 2 above. Transaction information (payment / withdrawal information) completed in the bank account in the past, or withdrawal from the bank account is confirmed. It is limited to the details of credit cards, etc., and future deposits / withdrawals, that is, deposits / withdrawals in the near future, and even long-term deposits / withdrawals related to the user's life plan, are made in a lump. Cannot be displayed or managed. There have been many systems that support customer life planning, but these are for the purpose of property management and asset management, and are completely different from daily deposit and withdrawal management systems.

  Therefore, in the present invention, in view of the above-described problems, not only past deposits and withdrawals but also short-term and long-term future expenditures and receipts can be collectively displayed and managed while maintaining continuity. An object is to provide a display system for a future-type electronic passbook (hereinafter referred to as “future passbook”).

  In order to solve the above problems, the future passbook display system of the present invention provides the following solution.

  (1) In a computer system in which a user terminal and a WEB system of a financial institution in which the user is dealing are connected via the Internet, the user terminal is the WEB system of the financial institution Authentication information for accessing the user, logging in to the WEB system, and collecting financial statement collection means for collecting usage statement information in the user's financial institution, and a future predetermined based on the collected usage statement information A short-term forecast detail creating means for creating a short-term forecast detail that is a prediction of deposits and withdrawals in a period; a life event setting means for causing the user to set information on the life event of the user and information on a saving plan related to the life event; , Based on the set information on the life event and the information on the savings plan, A future passbook that is an electronic passbook that creates a long-term forecast detail that is a forecast of deposits and withdrawals in a period and concatenates the long-term forecast details to the short-term forecast details of the deposit and withdrawal for the predetermined period created by the short-term forecast detail creation means And a future passbook generating / displaying means for generating and displaying.

  (2) In the system according to (1), the future passbook generation / display means displays the future passbook in a passbook format mainly including character information and a graph format display having a graphical user interface. It has a means to switch, and in the display of the above-mentioned passbook form, it has a means to display the item detailed data which is the details for every item of deposit or withdrawal according to the operation of the user.

  (3) In the system according to (2), the future passbook generation / display means responds to the fact that the user moves an icon corresponding to the life event on the graph in the graph format display. Then, the time and cost of the life event are changed, and the changed result is displayed on the graph.

  (4) In the system according to any one of (2) and (3), the item specification data includes data input by the user and a comment.

  (5) In the system according to any one of the above (1) to (4), when the user does not hold a savings account in the bank, the user terminal enters and exits a bank ordinary account. Virtual saving account management means for managing money separately into a virtual ordinary account and a virtual saving account inside the user terminal is provided.

  (6) In the system according to any one of (1) to (4) above, when the user terminal creates the short-term prediction details and / or the long-term prediction details, the user's past The present invention further comprises prediction / result comparison means for comparing the actual value and the predicted value for a certain period of time to determine the safety level of the current prediction, and calculating the current prediction based on the safety level. .

  (7) In a computer system in which a user terminal and a WEB system of a financial institution in which the user conducts a transaction are connected via the Internet, the user terminal is the WEB system of the financial institution Storing authentication information for access to the user, logging in to the WEB system, collecting usage details information in the user's financial institution, and entering and exiting in a future predetermined period based on the collected usage details information Creating a short-term forecast statement that is a prediction of money; causing the user to set information on the life event of the user and information on a savings plan relating to the life event; and information on the set life event. Based on the information of the savings plan, a long-term forecast that is a forecast of deposits and withdrawals during the period related to the life event Generating and displaying a future passbook, which is an electronic passbook in which the long-term forecast details are linked to the short-term forecast details of the deposit and withdrawal for the predetermined period created in the step of creating details and the step of creating the short-term forecast details And a step.

(8) A program that is executed in a computer system in which a user terminal and a WEB system of a financial institution in which the user is dealing are connected so as to be able to communicate with each other via the Internet. Storing authentication information for accessing an institution's WEB system, logging in to the WEB system, collecting usage details information in the user's financial institution, and based on the collected usage details information, Creating a short-term forecast line that is a forecast of deposits and withdrawals in a given period;
The step of causing the user to set the life event information of the user and the information of the saving plan related to the life event, and the life event based on the set information of the life event and the information of the saving plan. An electronic passbook in which the long-term forecast item is linked to the short-term forecast item of the predetermined period created in the step of creating a long-term forecast item that is a forecast of deposits and withdrawals in a period and the step of creating the short-term forecast item Generating and displaying a future passbook that is:
Is executed.

  According to the present invention, not only past deposits and withdrawals, but also short-term and long-term future expenditure / receipt schedules can be displayed and managed in a batch while maintaining continuity. Can be provided.

It is a figure which shows the concept of the basic composition of the future passbook display system of this invention. It is a figure which shows the functional block of the future passbook display system which concerns on embodiment of this invention. It is a figure which shows the specific example of a life plan table and a savings transition table. It is a figure which shows the specific example after the fund shortage countermeasure of a life plan table and a savings transition table. It is a figure which shows the specific example of a future passbook table. It is a figure which shows the whole processing flow of a future passbook display system. It is a figure which shows the processing flow of short-term forecast detailed preparation. It is a figure which shows the processing flow of long-term forecast details preparation. It is a figure which shows the processing flow of a future passbook display. It is a figure which shows the specific example of a financial institution registration screen and a life event setting screen. It is a figure which shows the specific example (the 1) of the graph format display screen of a future passbook. It is a figure which shows the specific example (the 2) of the graph format display screen of a future passbook. It is a figure which shows the specific example of the passbook format display screen of a future passbook.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. Note that the same numbers or symbols are assigned to the same elements throughout the description of the embodiment. Further, the arrows between the functional blocks indicate the data flow direction or the process flow direction.

<Configuration of future passbook display system>

  FIG. 1 is a diagram showing a concept of a basic configuration of a future passbook display system (hereinafter referred to as the present system) of the present invention. This system is a system in which a user terminal and a WEB system of a financial institution in which the user is dealing are connected so as to be able to communicate via the Internet. That is, it is configured by a user terminal 100 possessed by a user who has a transaction with the financial institution that can be connected to the WEB system (WEB site) of various financial institutions such as banks and credit card companies via the Internet. . The user terminal 100 is a general information processing terminal such as a smartphone, a tablet terminal, a mobile type or a desktop type PC. It is assumed that a user of this system manages a savings account and a savings account separately for receiving salary and paying daily living expenses. In order to manage the status of their deposit / withdrawal, the user logs in to the WEB site of each financial institution using the user terminal 100, such as transaction information (banking details information) of a bank account, credit card, etc. It is assumed that usage details information can be acquired at any time.

  The transaction information of the bank account includes deposit / withdrawal details information of the savings account and deposit / withdrawal details information of the savings account. The savings account and the savings account may be in the same bank or in different banks. In addition, it is assumed that the user uses a financial institution other than a bank and pays off purchased goods and services and repayment of borrowings such as loans from the account of the above ordinary deposit. As financial institutions other than banks, there are credit card companies, credit sales companies, electronic money service providers, consumer finance companies, securities companies, insurance companies, etc., but in the following embodiments, credit cards are used to simplify the explanation. I will explain a card company as a representative example of financial institutions other than banks.

  A dedicated application program (hereinafter referred to as a dedicated application 110) of this system is installed in the user terminal 100, and the dedicated application 110 has a financial statement as a main function processing unit as shown in the figure. A collecting unit 111, a short-term forecast detail creating unit 112, and a future passbook generation / display unit 113 are provided.

  The financial statement collection means 111 has a function of automatically logging in to the WEB site of each financial institution, and circulates the WEB site periodically or according to a user's instruction, and deposit / withdrawal statement data and credits of the user's account. Collect usage statement data such as cards.

  The short-term forecast statement creation means 112 analyzes the bank account deposit / withdrawal history and the credit card and other usage statement history, extracts the user's deposit / withdrawal pattern, and creates a predetermined period in the near future (usually several months to one year). Forecast). That is, for regular income and expenditure, the average value or median value is adopted as a short-term predicted value. Forecasts may also include factors of the year. About the non-periodic income and expenditure, the user terminal 100 is provided with means that can be input from the user at any time. In addition, the amount withdrawn from the account such as a credit card (including the next confirmed amount and the unconfirmed amount after the next time) is extracted and reflected in the deposit balance of the next month or the following month.

  The future passbook generation / display means 113 accepts the input of the user's life event plan and the savings plan to prepare for the expense of the life event in addition to the above short-term deposit / withdrawal prediction. Make a long-term forecast statement by forecasting the deposit and withdrawal. A short-term expenditure / receipt forecast based on the user's past deposit / withdrawal history and a long-term expenditure / receipt forecast related to the user's life event are recorded in one electronic passbook, and the electronic passbook is recorded. The information is displayed on the input / display unit 120 such as a touch panel of the user terminal 100. As will be described later in detail, the future passbook display format includes a passbook format display mainly based on character information and a graph format display having a graphical user interface. The financial statement collection unit 111, the short-term forecast specification generation unit 112, and the future passbook generation / display unit 113 will be described in more detail with reference to the following drawings.

  By configuring the system in this way, the user can manage not only daily deposits and withdrawals but also long-term future deposits and withdrawals with one electronic passbook. In this sense, this electronic passbook is called “future passbook”, which can handle the future information of the user and also has the meaning of the future passbook. Since the future passbook is an electronic passbook, it can take various display forms depending on the usage situation. Hereinafter, the life event plan and the saving plan related to the life event are collectively referred to as a “life plan”. The future passbook is an electronic passbook in which long-term forecast details are linked to forecast details of deposits and withdrawals for a predetermined period, and both are continuous. In other words, the future passbook is a passbook with a short-term deposit / withdrawal prediction function (short-term forecast details creation means) in the normal passbook when the life plan is not entered, and at the stage when the life plan is entered, The long-term deposit / withdrawal prediction function and the saving plan support function that matches the life plan (both are collectively referred to as the long-term forecast specification creation means) are linked to the creation of the short-term forecast details to create short-term and long-term payments for users. It functions as a comprehensive electronic passbook that allows you to manage money continuously in a single volume.

  FIG. 2 is a diagram showing functional blocks of the future passbook display system according to the embodiment of the present invention. This system will be described in more detail with reference to this figure. As shown in the figure, the user terminal 100 has an Internet connection function. By the above-described financial statement collection means 111, a WEB system 200 for a bank ordinary account, a WEB system 210 for a bank saving account, and a credit card The user automatically logs into the company's WEB system 300, 310, and downloads and collects the detailed data from the respective databases 201, 211, 301, 311.

  The dedicated application 110 installed in the user terminal 100 will be described in more detail. In addition to the financial statement collection unit 111, the short-term forecast specification creation unit 112, and the future passbook generation display unit 113 described in FIG. , A passbook data storage unit 115, a financial institution registration unit 116, a life event setting unit 117, a prediction / result comparison unit 118, and, optionally, a virtual saving account management unit 119.

  The financial institution registration means 116 is a means for registering a WEB site such as a bank and a credit card company with which the user is dealing in the user terminal 100. Specifically, a predetermined registration screen ( A financial institution name is selected from an example shown in FIG. 10 to be described later, and authentication information such as a login ID / password of a WEB site of each financial institution is stored and registered in the authentication information storage unit 114 for each financial institution. Some sites require not only a password but additional information for authentication, and such additional information unique to the site is also stored in the authentication information storage unit 114. Of course, such authentication information is encrypted and stored in the terminal, but when the user changes the password or the like, the registration is changed. However, the authentication information stored here is the minimum necessary information for obtaining the detailed data from the WEB site, and the second password for changing the withdrawal operation such as transfer or the registration information to the financial institution. Numbers are not included. Needless to say, other authentication means such as a passcode and fingerprint authentication are provided when starting up the dedicated application 110 itself including the registration screen.

  The passbook data storage unit 115 stores passbook data such as a savings transition table 20 that predicts a transition of savings generated by the future passbook generation display unit 113 and a future passbook table 30 that is an entity of the future passbook. The passbook data itself is also encrypted and stored. The savings transition table 20 and future passbook table 30 will be described in more detail with reference to the drawings described later.

  The life event setting means 117 includes the above-described registration and change of the life event plan and savings plan, as well as the input of non-stationary deposits and withdrawals that occur in the short term, and the genre of deposits and withdrawals with unknown cash expenditures and details. Various input screens that the user can perform, such as input of division, are provided. The registration data of the life event plan and the saving plan is stored in the life plan table 10 and transferred to the future passbook generation / display unit 113. Other input data is directly written in the item detail data of the future passbook table 30.

  The prediction / actual comparison means 118 determines the safety level of the current prediction by comparing the actual value and the predicted value in the past fixed period of the user when performing the short-term detailed prediction and / or the long-term detailed prediction. The calculation of the prediction is based on the determined safety degree. Specifically, for example, when the predicted value for the past one year is compared with the actual value and the actual value is better than the predicted value (actual balance amount ≧ predicted balance amount), it is stricter than the normally calculated predicted amount ( A predicted value with a higher degree of safety is also created, and conversely, if the actual value is better than the predicted value (actual balance amount <predicted balance amount), a predicted value with a lower degree of safety is also created.

  The future passbook generation / display unit 113 displays actual data of deposit / withdrawal details, short-term deposit / withdrawal forecast data (short-term forecast details), long-term deposit / withdrawal forecast data (long-term forecast details) related to life events, and changes in savings accounts. The savings transition table 20 to be stored is integrated into the future passbook table 30 which is the substance of the future passbook. In other words, the future passbook generation / display unit 113 includes a long-term forecast detail generation unit (not shown). The details of the above table will be specifically described with reference to the following drawings. In addition, the life plan table 10 received by the future passbook generation / display means 113 is provided with a means for transmitting to the bank side at the user's will, and the bank side also provided the advice of saving based on this data. You may be made to do.

  The virtual saving account management means 119 indicated by a dotted line in FIG. 2 is configured as an option of the user terminal 100, and is used when the user does not hold the saving account in the bank. In other words, even if the user holds only the ordinary account in the bank, the ordinary account is divided into the “virtual ordinary account” and the “virtual saving account” inside the user terminal 100, and on the future passbook, as if It is possible to display as if you have two accounts. On this future passbook, the user terminal 100 can turn the amount designated from the virtual ordinary account to “saving” to the virtual savings account. For example, if the user sets to save 50,000 yen for saving on the first day of every month, 50,000 yen is automatically transferred from the virtual ordinary account to the virtual savings account on the first day of every month.

  The amount used for saving is treated as a withdrawal from the virtual ordinary account, treated as a deposit to the virtual savings account, and becomes a virtual money transfer. Of course, the virtual account is a fictitious process only in the terminal and does not affect the actual bank account, but all the deposit / withdrawal data of the actual ordinary account is reflected in the virtual ordinary account. However, if you withdraw more than the balance of the virtual ordinary account, the amount exceeding that balance will be treated as a temporary withdrawal from the virtual savings account on the future passbook (reduction of savings). Is called.

  The functional configuration of the system described above is merely an example, and one functional block (database and function processing unit) may be further divided, or a plurality of functional blocks may be configured as one functional block. Good. Each function processing unit reads a computer program stored in a storage device such as a ROM (Read Only Memory) or a hard disk by a CPU (Central Processing Unit) built in the device, and executes the computer program executed by the CPU. Realized. That is, in each function processing unit, this computer program reads and writes necessary data such as a table from a database (DB; Data Base) stored in a storage device or a storage area on a memory, and may be related in some cases. This is realized by controlling hardware (for example, an input / output device, a display device, and a communication interface device). Further, the database (DB) in the embodiment of the present invention may be a commercial database, but it simply means a collection of tables and files, and the internal structure of the database itself is not questioned.

<Table configuration of future passbook display system>

  FIG. 3 is a diagram illustrating specific examples of the life plan table and the savings transition table. The life plan table is a table that stores information related to the life plan input by the user from the user terminal 100, and a specific example is shown in the upper part of FIG. As illustrated, the life plan table 10A includes a life event plan and a saving plan. What is used as a life plan is up to the user, but generally, a life event is a thing that requires a large amount of expenses such as car purchase, marriage, home purchase, home renovation, etc. Overseas travel, childbirth, children's advancement, etc. may be life events.

  The life event plan includes an occurrence time of a life event set by the user, an estimate of a total cost necessary for the life event, and a saving target amount required for that purpose. The total cost estimate may include not only expenditures but also temporary income for events such as grants and congratulations. As for total cost estimates and savings, a lot of data entered by customers is accumulated in the bank's system, and the bank system calculates the average amount according to the user's profile and You may enable it to provide as reference data.

  The saving plan included in the illustrated life plan table 10A includes a saving period, a saving method, and a reserve amount per time necessary to achieve the saving target for each event, and the total of the saving amount during the saving period Is calculated and stored. In this example, 50,000 yen is accumulated on the first day of every month. Further, when the saving method is followed, the recommended value of the saving period and the reserve amount may be automatically calculated from the event occurrence time, the total cost, and the saving target value input in the life plan. Of course, the user can change the recommended value at any time.

  The saving transition table 20A in the lower part of FIG. 3 is generated by calculating the transition of the savings amount in the future from the present time based on the life plan table 10A (in this example, the current time is October 1, 2013). Day and savings start date). This example shows that the savings plan has been revised on the assumption that 1.5 million yen out of 3 million yen necessary for marriage funds will be covered by a congratulatory money. However, it is still shown that there will be a fund shortage of about 1.42 million yen when purchasing a house. The savings transition table 20 is combined and included in the future passbook table 30 and is displayed on the user terminal 100 as a part thereof.

  FIG. 4 is a diagram illustrating a specific example of the life plan table and the savings transition table after measures against funds shortage. This example shows the life plan table 10B and the savings transition table 20B after reviewing the saving plan of FIG. First, in the life plan of the life plan table 10B, the saving target amount up to the time of home purchase is reduced from 3.5 million yen to 1.5 million yen. In addition, it is judged that it is impossible to save 50,000 every month after marriage, and the amount after the marriage is reduced to 20,000 yen. This is because, as shown in the savings transition table 20B, at the time of purchasing a house, it has been determined that at least 2 million yen can be expected from the spouse's share of funds or their respective kinship. As a result, by adding this subsidy to the plan, the shortage of funds at the time of purchasing a house has been resolved despite the reduction of 30,000 yen after marriage.

  FIG. 5 is a diagram showing a specific example of the future passbook table. The future passbook table is a table that stores all data to be displayed on the user terminal 100 as a future passbook. However, the actual display format does not have to be as shown in this table, and only necessary data can be displayed in various display formats depending on the usage scene.

  In the specific example of the future passbook table 30 shown in the figure, the item ID 31 defined for each deposit / withdrawal, the date / time 32 when the deposit / withdraw was performed, the item name 33, the deposit / withdrawal amount in the ordinary account and the ordinary account balance 34 after deposit / withdrawal. , A deposit / withdrawal amount in the savings account, a savings account balance 35 after deposit / withdrawal, and item detail data 36 which is detailed data for each item. As described above, when the user does not have a saving account at the bank, the ordinary account and the saving account may be virtual accounts in the terminal.

  The item detail data 36 is detailed data for the item that is normally not displayed in the passbook but can be displayed by a pop-up or the like when necessary. For example, if the expenditure item is “cash withdrawal from ATM”, when the user inputs the use of the cash at a later date, it may be stored in the item detail data 36 as cash expenditure detail data. In general, it is very troublesome to classify and manage cash expenditures, but the cash expenditure details data here does not need to include the name of the purchased product, stores, etc. It is a simple categorization such as “clothing”, “miscellaneous goods”, “utility expenses”, “communication expenses”, “entertainment expenses”, “cosmetics”, “others”, and the amount of money spent. There may be. For such genre classification, it is desirable that the user terminal 100 is provided with an intuitive means that can be input as easily as possible. For example, on the input screen, a user interface may be considered in which an icon indicating a genre is selected and only the amount of money is input. In addition, a method is also conceivable in which an electronic receipt is received at the terminal at the time of voice input or shopping in the future. By doing in this way, even if it is a purchase with cash, it becomes possible to manage the expenditure according to a use.

  Further, when the expenditure item is a credit card withdrawal, the item detail data 36 is the WEB statement itself acquired from the credit card company. In addition, in the case of deposits and withdrawals from a savings account, the item detail data 36 may include a breakdown of the amount, user comments, advice displayed by the system, and the like. Further, if the salary details can be received as electronic data in the future, the item detail data for salary may include the electronic data of the salary details. Each table described above is stored in the passbook data storage means 115 of the user terminal 100 and can be updated as appropriate. In addition, the code | symbols 37,38,39 on the right side of a table have each shown the past detailed part, the short-term forecast detail part (here 2 months ahead), and the long-term forecast detail part.

<Processing flow of future passbook display system>

  FIG. 6 is a diagram showing an overall processing flow of the future passbook display system. The processing flow (flowchart) described below has the following processing steps. First, the financial statement collection unit 111 reads authentication information for accessing the WEB site such as the login ID and password of each registered financial institution from the authentication information storage unit 114 in step S10. Next, in step S11, the deposit / withdrawal details data of the savings account is acquired (downloaded) from the web site of the logged-in bank. Subsequently, in step S12, deposit / withdrawal details data of the saving account is acquired from the WEB site of the same bank or another bank. However, here, it is assumed that the user has a saving account at the bank and does not use the virtual saving account.

  Next, in step S13, the financial statement collection unit 111 logs in to a WEB site of a card company such as a credit card, and acquires card usage statement data. The card usage details include detailed data that has already been withdrawn from the ordinary account, detailed data that has been confirmed after the closing date and will be withdrawn next time, and detailed data that has not yet been confirmed until the next closing date and will be withdrawn one after another. Is included. Here, since the withdrawn and finalized data is once downloaded, it is stored, so the same data is not downloaded again. The same applies to the downloading of bank deposit / withdrawal statement data in steps S11 and S12. If an error occurs during the download, the authentication method on the WEB site side may have been changed, so a download failure error is displayed on the user terminal 100 and the user is notified of the error. Log in manually and register additional information if necessary.

  When the download of the detailed data of each financial institution is completed, the process proceeds to step S14, and this time, the process is transferred to the short-term prediction detailed description creating means 112. This processing content is shown in FIG. In the short-term forecast detail creation processing of FIG. 7, first, in step S20, a fixed amount item, which is an approximately constant amount of money that is regularly generated, is extracted from the deposit / withdrawal details of the bank account and the card usage details. . For example, in terms of income, salaries (excluding overtime charges), child allowance, dividends, etc., and in terms of expenditure, insurance premiums, loans, taxes, etc. are paid.

  Next, in step S20A, the prediction / actual result comparison means 118 compares the predicted value of the short-term details with the actual value in a past fixed period, and determines the safety level of the current prediction. For example, if the actual balance is better than the predicted balance, the prediction is unsatisfactory, that is, the safety level is set low. If the actual balance is worse than the predicted balance, the prediction is strict, that is, the safety level is set high. Then, in addition to the short-term prediction when the safety level is not considered, the short-term prediction based on the safety level determined here is calculated.

  Next, in step S21, short-term predicted values are calculated for these fixed amount payments. If there is some variation even if it is a fixed amount, the average value or median value is adopted as the predicted value. The predicted value may be adjusted based on the safety level of the prediction. In addition, as for the savings savings, it is treated as a fixed amount expenditure from the ordinary account and a fixed amount income to the savings account.

  Next, in step S22, variable items are extracted from the deposit / withdrawal details of the account and the card usage details. Subsequently, in step S23, it is checked whether or not the variable item has regularity. For example, it is extracted that there is a tendency to be higher than usual in summer and winter, such as electricity charges. Also, salary is extracted in the last month of the quarter, such as an increase in overtime. In December, the year-end adjustment may increase. If it is determined that the variable item has regularity, in step S24, the predicted amount of the item is calculated according to the regularity. If it is determined that the variable item is not regular, an average value or median value of a past fixed period is calculated as a predicted amount in step S25. In steps S24 and S25, a predicted value may be calculated based on the safety level of prediction. For example, if safety is determined in consideration of the determined safety level, the predicted value for income uses the past minimum amount, and the predicted value for expenditure uses the past maximum amount. May be. In step S26, the calculated amount is set in the short-term prediction details of the corresponding item. The above steps S23 to S26 are repeated for all variable items (step S27).

  The predicted values of the fixed amount item and the variable item calculated as described above are stored in the future passbook table 30 as the short-term prediction details of the ordinary account in step S29. Similarly, in step S30, the use of a credit card or the like is also stored in the item detail data 36 as a credit card withdrawal schedule of the future passbook table 30 as a short-term use detail prediction. For unsteady spending, if there is data manually input from the input / display means 120 by the user, the data is recorded in the future passbook table 30 (step S31). When the above short-term prediction details creation process is completed, the process returns to step S15 in the overall flow of FIG.

  In step S15 of FIG. 6, it is checked whether or not the user has input the life plan table. If the life plan table has been input, the long-term prediction details creation process is called in step S16. FIG. 8 is a diagram showing a processing flow for creating the long-term forecast details.

  In the long-term forecast specification creation process of FIG. 8, first, in step S40, a life event plan and a saving plan are acquired from the life plan table 10.

  Next, in step S40A, the prediction / result comparison means 118 compares the predicted value and the actual value in a past fixed period, and determines the safety level of the current prediction. For example, when the actual balance in a certain period is better than the predicted balance, the prediction is unsatisfactory, that is, the safety level is set low. If the actual balance is worse than the predicted balance, the prediction is strict, that is, the safety level is set high. Then, in addition to the long-term prediction when the safety level is not considered, the long-term prediction based on the safety level determined here is also calculated.

  Next, in step S41, the amount of saving up to the time of event occurrence is calculated based on the acquired saving plan and the safety level of prediction. Subsequently, in step S42, the saving amount at the time of the event-event cost is calculated, and if it is negative, a warning or warning message is generated.

  Further, in step S43, the cost generated after the event and its time may be predicted. For example, if the event is the purchase of a car, the time and the amount of taxes, voluntary insurance, vehicle inspection, etc., which are expenses that are surely generated after the purchase, are predicted. If the event is a detached house purchase, the property tax, repair, renovation timing and costs are predicted. If the event is a condominium purchase, revisions to repair reserves for large-scale repairs, including administrative expenses, are subject to prediction. Such a prediction can be realized by creating a post-event cost prediction table that statistically summarizes costs and timings that occur thereafter for each event. Of course, you may consider the safety | security of prediction.

  Although it is not a life event, it is also possible to predict the replacement time of goods from the detailed data of purchased goods. For example, if you buy a water heater, refrigerator, air conditioner, personal computer, smartphone, business suit, replace it in XX years, or buy a bat, soccer shoes, contact lenses, etc. Good. As for the information predicted here, information of a certain amount or more (for example, 100,000 yen or more) may be reflected in the prediction of the saving account, and information less than the certain amount may be reflected in the prediction of the ordinary account.

  The above steps S41 to S43 are repeated for all events. When the processes for all events are completed (step S44: Y), the process proceeds to step S45, where the savings account savings transition table 20 is combined with the future passbook table 30, and the process returns to the entire flow of FIG.

  In the entire process of FIG. 6, the future passbook display process is called in step S17. However, when the user has not input the target setting, the future passbook is composed of only the confirmed detailed data and the short-term predicted detailed data that are currently completed.

  In the generation of future passbooks, a short-term forecast is created periodically (for example, monthly, quarterly, semi-annual, yearly), and the result is reflected in the initial value of the long-term forecast to maintain continuity. It may be. For example, when a future passbook is generated by performing a short-term forecast and a long-term forecast for one year at a certain point in time, and a future passbook is generated again half a year later, a short-term forecast for the next year and a long-term forecast created half a year ago It is also possible to create a future passbook by reusing the usable part excluding the forecast part.

  FIG. 9 is a diagram showing a processing flow of the future passbook display called in step S17. In this process, first, the future passbook table 30 is read in step S50, and then it is checked again in step S51 whether the life plan table 10 has been input. If the life plan table 10 has been input, the process proceeds to step S52, and if not, the process proceeds to step S60. In the former case, in step S52, the life plan table 10 is read, and in step S53, the predicted display period is set to a period in which an event is set from now. In step S54, the future passbook is displayed in a graph format.

  Returning to step S51, if the life plan table 10 has not been input, the predicted display period is set to several months from the present in step S60. In step S61, the future passbook is displayed in the passbook format. Although specific examples will be described later, there are mainly two types of display formats for the future passbook: a passbook format and a graph format, and the user can appropriately switch between the two display formats by a predetermined operation. If there is a life plan table 10, that is, if a life plan is set, it will be displayed for a long time, so generally the graph format is easier to see, and if no life plan is set, a short period of time will be displayed Since it is displayed, it is considered that the character display is easier to see in the normal passbook format. Regardless of the format, parameter change input can be accepted even after the future passbook is displayed. The parameters here are the time of the event, total cost, target saving amount to cover the total cost, saving period, monthly reserve amount, and the like.

  In step S55, it is checked whether or not a parameter change input has been performed by the user. If there is a change, the process proceeds to step S56, and if not, the process proceeds to step S57. The parameter can be changed at this time by inputting a number on the screen or by a graphical method using icons as described later. If the parameter is changed, the future passbook is redisplayed based on the changed parameter in step S56.

  Next, in step S57, it is checked whether or not there has been a display format switching instruction from the user. If there is a change instruction, the process proceeds to step S58, and the display format is switched from the book format to the graph format or vice versa. . If there is no change instruction, the process proceeds to step S59, and if the display end is instructed, the process returns to the main process in FIG. The above is the flow of the future passbook display process. This display process will be further described with reference to specific examples of display screens in FIGS.

<Future passbook display screen>

  FIG. 10 is a diagram illustrating specific examples of a financial institution registration screen and a life event setting screen. The financial institution registration screen 500 in the upper part of FIG. 10 is means for registering a WEB site such as a bank in which a user has an account and a credit card company used in a terminal. In the registration method, a financial institution is selected from the menu, and in addition to the login ID and password, if there is additional information (an answer to a secret question in the example of the figure) for downloading the detailed data, it is also registered. Further, as shown in the figure, the usage application of each financial institution may be selected.

  The life event setting screen 510 in the lower part of FIG. 10 is a means for setting a life event plan and a saving plan at the same time. As shown in the figure, select a life event, select the expected total cost for each event, select whether to pay the total cost in a lump sum or split, and in the case of split, set the payment period, interest rate, down payment, etc. It is supposed to be. The registered contents are stored in the life plan table 10, but can be changed by the user at any time.

  11 and 12 are diagrams showing specific examples of display screens in the future passbook graph format. In the future passbook display screen 600 in this example, as shown in the figure, the life event plan 610, the saving plan 620, and the life plan graph 630 are displayed separately. Among these, the contents registered on the previous life event setting screen 510 are displayed on the life event plan 610 together with the event icons 611, 612, and 613. In addition, in the saving plan 620, two accumulation plans having different periods are displayed, together with savings icons 621 and 622 representing savings, respectively, and the accumulated amount and accumulation period for each month. Life plan graph 630 shows changes in past, present, and future income, expenditure, and savings in a line graph, and in addition to daily income and expenditure, changes in expenditure and savings related to life events can be grasped at a glance. It can be done.

  The time of each event and the amount of money required when the event occurs can be set by dragging and dropping event icons 611, 612, 613, etc. in the life event plan 610 into the area of the life plan graph 630. Similarly, with regard to saving, the target amount and completion time can be set by dragging and dropping the savings icons 621, 622 and the like from the saving plan 620 into the area of the life plan graph 630. To change the settings, move each icon in the graph. Of course, instead of moving the icon, the number of the life event plan 610 or the saving plan 620 may be changed directly. In this case, the position of the corresponding event icon or savings icon changes according to the change in the number, and the line graph indicating the savings amount also changes according to the change in position. By doing in this way, the transition of the income, expenditure, and savings in the life plan can be grasped at a glance, and the change can be easily and intuitively performed.

  When the “change to monthly display” button 632 at the bottom of FIG. 11 is pressed, the horizontal axis of the life plan graph 630 is switched from yearly to monthly. Further, when a “switch to passbook” button 633 is pressed, the screen is switched to a passbook format screen as shown in FIG. Further, when the “display advice” button 634 is pressed, advice generated by the system can be displayed at a corresponding position on the graph. In the example shown in the figure, a warning message 631 indicating that there is a shortage of funds is displayed. When the arrow buttons 635 and 636 are pressed, the graph display area can be scrolled to the left and right.

  The screen of FIG. 12 shows a screen as a result of the user reviewing the saving plan because a message indicating that funds are insufficient in the saving plan shown in FIG. 11 is displayed. That is, in a life event of purchasing a house, assistance from a spouse or a parent can be expected, and therefore, a conceivable specific amount can be input to the temporary income icon 623. As a result, the message 631 indicates that the shortage of funds can be resolved even if the reserve amount represented by the savings icon 622 is reduced from 25,000 yen to 20,000 yen. In this way, the graph display of the future passbook adopts an intuitive graphical user interface, and the life event according to the user moving the event icon corresponding to the life event on the graph The time and cost are changed, and the result is immediately displayed on the life plan graph 630. On the contrary, if the number in the life event plan 610 or the saving plan 620 is directly changed, the graph is also changed accordingly. The same applies to the savings icon 622 and the temporary income icon 623 existing in the savings plan 620.

  FIG. 13 is a diagram illustrating a specific example of a display screen in the passbook format of the future passbook. In the screens of FIGS. 11 and 12, the future passbook is displayed in a graph format that is easy to understand intuitively, but the future passbook can also be displayed in a passbook format mainly composed of character information. In the passbook format display, for each deposit / withdrawal item, there is provided means for displaying the item detail data 36, which is the details, in accordance with the operation of the user. FIG. 13 shows a specific example in which the future passbook is displayed in the passbook format. In the future passbook display screen 700 of the specific example shown in the figure, the ordinary account portion 750 and the saving account portion 760 are displayed on the same screen. The underlined characters in the passbook are displayed in a pop-up by clicking or tapping on this part. For example, when the “cash withdrawal” portion of the top row of the item column is clicked, the details 701 are displayed. Here, the details of the usage purpose of the cash are those entered later by the user.

  In addition, when “credit card B” in the second row of the item column in FIG. 13 is clicked, a credit card usage statement 702 is displayed. As described above, the detailed data that can be displayed in the future passbook can include not only data acquired from the WEB site but also data and comments input by the user. The same applies to the other pop-ups 703 to 707 shown in FIG.

  In this screen example, all items are displayed on a daily basis, but when a “change to monthly display” button 710 is pressed, deposits and withdrawals collected in monthly units are displayed. Further, when the “switch to graph” button 720 is pressed, the display is switched to the graph format as shown in FIGS. Further, when the “display advice” button 730 is pressed, advice regarding the contents of the location designated by a finger, a mouse, or the like is displayed.

<Effect of embodiment>
As explained above, by using this system, it is possible to display and manage not only past deposits and withdrawals but also short-term and long-term future expenditures and receipts in a batch while maintaining continuity. Can provide a future-type electronic passbook. This future passbook can be displayed in a passbook format and a graph format in the user's terminal. In the passbook format, necessary data can be displayed in detail in a pop-up format, etc., and in the graph format, it is possible to comprehensively display long-term life plan expenditures, and by using event icons, etc. The change and the result can be grasped intuitively. Furthermore, if the virtual savings account management function is used, the system can be used easily even if the bank does not have a savings account separately from the ordinary deposit. In the description of the embodiment in FIGS. 1 to 13, the credit card company is mainly described as the financial institution other than the bank, but the present invention can also be applied to an electronic money service providing company, a consumer financial company, a securities company, and the like. .

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention. In the above embodiment, the future passbook display system has been described with the present invention as a product invention. However, the present invention is a method invention (future passbook display method) or a computer program invention (future passbook display program). Can also be captured.

10, 10A, 10B Life plan table 20, 20A, 20B Savings transition table 30 Future passbook table 100 User terminal 110 Dedicated application 111 Financial details collection means 112 Short-term forecast details creation means 113 Future passbook generation display means 114 Authentication information storage means 115 Passbook data storage means 116 Financial institution registration means 117 Life event setting means 118 Prediction / result comparison means 119 Virtual saving account management means 120 Input / display means 200 Bank ordinary account WEB system 201 Ordinary account transaction information database 210 Bank savings account WEB system 211 Savings Account Transaction Information Database 300 Card A Company WEB System 301 Card A Usage Details Database 310 Card B Company WEB System 311 Card B Usage Details Database 50 0 Financial institution registration screen 510 Life event setting screen 600 Future passbook graph format display screen 610 Life event plan 611,612,613 Event icon 620 Savings plan 621,622 Savings icon 623 Temporary income icon 630 Life plan graph 700 Future passbook passbook format display screen

Claims (8)

And the user terminal, and the WEB system of financial institutions which the user is performing the transaction is a communicatively connected to the system via the Internet,
The user terminal is
Financial statement collection means for storing authentication information for accessing the WEB system of the financial institution, logging into the WEB system, and collecting usage details information in the user's financial institution;
Short-term forecast detail creation means for creating a short-term forecast detail that is a forecast of deposits and withdrawals in a predetermined period in the future based on the collected usage detail information;
Life event setting means for causing the user to set information on the life event of the user and information on a saving plan related to the life event;
Based on the set information on the life event and the information on the savings plan, create a long-term forecast detail that is a prediction of deposits and withdrawals in the period related to the life event, and the predetermined schedule created by the short-term forecast detail creation means Future passbook generation and display means for generating and displaying a future passbook that is an electronic passbook in which the long-term prediction details are linked to the short-term prediction details of deposits and withdrawals in a period;
Equipped with a,
The future passbook generation / display means includes a time display unit change means for changing the time display unit of the future passbook, and an advice display means for displaying advice according to the time display unit changed by the time display unit change means. Future passbook display system characterized by having .   The future passbook generation and display means includes means for switching the future passbook to be displayed in the form of a passbook mainly composed of text information and the display of a graph form having a graphical user interface. The future passbook display system according to claim 1, further comprising means for displaying item detail data, which is the details of each deposit / withdrawal item, according to the operation of the user.   The future passbook generation display means changes the time and cost of the life event according to the user moving the icon corresponding to the life event on the graph in the graph format display, The future passbook display system according to claim 2, wherein the changed result is displayed on the graph.   4. The future passbook display system according to claim 2, wherein the item detail data includes data and comments input by the user.   When the user does not have a savings account in the bank, the user terminal divides the deposit and withdrawal in the bank ordinary account into a virtual ordinary account and a virtual savings account inside the user terminal. 5. The future passbook display system according to any one of claims 1 to 4, further comprising virtual saving account management means for managing.   When the user terminal creates the short-term prediction details and / or the long-term prediction details, the user terminal determines the safety level of the current prediction by comparing the actual value and the predicted value in the past fixed period of the user. The future passbook display system according to any one of claims 1 to 5, further comprising prediction / result comparison means for calculating the current prediction based on the degree of safety. A future passbook display method executed by a computer system in which a user terminal and a WEB system of a financial institution in which the user conducts a transaction are connected via the Internet ,
The user terminal is
Storing authentication information for accessing the WEB system of the financial institution, logging in to the WEB system, and collecting usage details information in the financial institution of the user;
Creating a short-term forecast statement that is a forecast of deposits and withdrawals in a predetermined period in the future based on the collected usage statement information;
A step of causing the user to set information on the life event of the user and information on a saving plan related to the life event;
Based on the information on the set life event and the information on the savings plan, creating a long-term forecast specification that is a prediction of deposits and withdrawals in a period related to the life event;
Generating and displaying a future passbook, which is an electronic passbook obtained by concatenating the long-term forecast details to the short-term forecast details of the deposit and withdrawal for the predetermined period created in the step of creating the short-term forecast details;
I have a,
The generation and display step includes a step of changing a time display unit of the electronic passbook, and a step of displaying an advice corresponding to the changed time display unit . A program that is executed in a computer system in which a user terminal and a WEB system of a financial institution in which the user is dealing are connected to each other via the Internet,
On the computer,
Storing authentication information for accessing the WEB system of the financial institution, logging in to the WEB system, and collecting usage details information in the financial institution of the user;
Creating a short-term forecast statement that is a forecast of deposits and withdrawals in a predetermined period in the future based on the collected usage statement information;
A step of causing the user to set information on the life event of the user and information on a saving plan related to the life event;
Based on the information on the set life event and the information on the savings plan, creating a long-term forecast specification that is a prediction of deposits and withdrawals in a period related to the life event;
Generating and displaying a future passbook, which is an electronic passbook obtained by concatenating the long-term forecast details to the short-term forecast details of the deposit and withdrawal for the predetermined period created in the step of creating the short-term forecast details;
Was executed,
The generation and display step includes a step of changing a time display unit of the electronic passbook, and a step of displaying advice according to the changed time display unit .

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